Please read these terms carefully before using our website and services.
By using this website, you agree to comply with and be bound by the following Terms of Use (“Terms”). Please read them carefully. If you do not accept these Terms, do not use the website or any of its services. We may update these Terms at any time at our discretion, without notice to you except by posting the updated Terms on this page, and your continued use of the website means you accept any changes. By accessing this website, you confirm that:
We may limit or terminate your access to the website at any time and for any reason, with or without notice. This site is intended for use only in the United States and is not intended to subject foreign jurisdiction or foreign laws. CLASS ACTION AND ARBITRATION LIMITATION PROVISIONS ARE INCLUDED BELOW, PLEASE REVIEW CAREFULLY.
This website offers a free service that will pass the information you provide on our forms to lenders, advertisers, networks, and other financial service providers who may secure a short‑term loan, financial product, or service for you. These third parties may offer short‑term loans or other financial products based on the details you provide, and each will have different processes and requirements. Loan offers from lenders you may connect with through this website will vary and submitting a request does not guarantee approval of any loan or financial product. We are not a lender, broker, or agent and do not endorse any specific loan, service provider, or product. We do not determine loan terms, interest rates, or fees. Always review any loan offer you receive from a lender thoroughly before accepting. You are never obligated to accept an offer. We may be paid by third‑party lenders or service providers for each referral we send to them. This compensation may influence what offers and lenders appear on our website. We do not include every lender or loan option in the marketplace. In some cases, you may be connected with a tribal lender, which may operate outside of state laws. Their terms may differ significantly, and disputes may be governed by tribal law.
When utilizing our services and submitting a request on our forms, you acknowledge and agree that we are passing (or “sharing”) your information to lenders, financial service providers, and advertisers within our network for the purpose of connecting you with the services and products you are requesting, such as a short‑term loan. These third parties will have data collection, privacy, and security practices which will differ from ours but typically store and access your information to process your loan request and potentially offer you a loan. By using our services and providing your information, you are expressly requesting to be contacted by electronic mail (“e‑mail”), telephone (including but not limited to, phone call, ringless voicemail, robocall, or SMS text message), and/or direct mail. Once we pass your information to these third parties, our services are complete.
The lenders you may connect with on this website will likely obtain credit reports, credit scores, and verify consumer identity. This may include conducting credit checks through one or more of the major credit reporting agencies—TransUnion, Experian, and Equifax—as well as other alternative consumer data sources. By submitting a loan request on this website, you are providing express written consent, in accordance with the Fair Credit Reporting Act (“FCRA”), for lenders and financial service providers in our network to access your credit report, credit score, and related consumer information, and to use that data to assess your loan eligibility and verify your identity. Please be aware that failure to repay any loan you receive may be reported by your lender to credit bureaus, which could negatively impact your credit score. Borrow responsibly and only when necessary. The typical short‑term loans offered by lenders which you may connect with on this website are intended to provide temporary financing to resolve immediate financial needs or emergencies and should not be considered long‑term financial solutions. If you have questions regarding a specific loan or credit check, you should contact the lender directly.
By submitting a request, you grant express written consent to be contacted by this website, the lenders and financial service providers you may connect with, and marketing partners who we pass and present your information to, by:
Generally, links to third‑party websites will have information, privacy, and security practices which differ substantially from our website and therefore you are advised to thoroughly review the privacy policies and terms of services of these websites prior to providing any of your information, agreeing to an offer, or requesting services. We are not responsible for the privacy or security practices of third‑party websites linked from our site. These sites have their own terms and privacy policies, which you should review before using them. Inclusion of a third‑party link does not imply endorsement.
All content on this site—including text, graphics, logos, software, and other materials—is owned by us or our licensors and protected by copyright and trademark laws. You may not use, copy, modify, or distribute any content or trademarks without our written permission. The website’s logos (collectively, “the Trademarks”) constitute our trademarks and service marks. Other company, product, and service names and logos used and displayed on this website may be trademarks or service marks owned by other third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks found on this website without express prior written permission. Any unauthorized use of content or trademarks constitutes a material breach of these Terms. All right, title and interest in and to the website, any content thereon, our services, the technology related to our services, and any and all technology and any content created or derived from any of the foregoing is our exclusive property.
You agree to indemnify, defend, and hold this website and its owners and operators harmless from and against any and all third‑party actions, suits, claims or demands and any associated losses, expenses, damages, costs, and other liabilities (including reasonable attorneys’ fees), arising out of or relating to your loan request or submission of information, use or misuse of any aspect of the services or website, or your violation of these Terms. You are required to reasonably cooperate in the defense of any such claim or demand. We and any third‑party involved in creating, producing or delivering the website or its services reserve the right, at our sole discretion, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our prior written consent and any such third‑party.
This website and all of its services, features, content, and materials are provided on an “as is,” “as available,” and “with all faults” basis. We make no representations or warranties of any kind—express, implied, or statutory—regarding the website or any services or materials provided. To the fullest extent permitted by law, we and our officers, directors, employees, owners, and operators (collectively, the “Parties”) expressly disclaim all warranties, including but not limited to: warranties of title, merchantability, fitness for a general or particular purpose, non‑infringement, system integration, and workmanship; any guarantee regarding the quality, accuracy, reliability, timeliness, or completeness of the website or its services; any warranties that may arise from prior dealings or industry practices; any representation that the website or services will meet your expectations or match any description, promise, or demonstration made by any party; and any assurance that access to or use of the website will be continuous, uninterrupted, secure, or free of errors. You use this website at your own risk.
You agree that accessing and using this website and its services is at your own risk. Under no circumstances will this website, and its owners, directors, officers, operators, and employees, be held liable for any defects, faults, interruptions, or delays in the operation or transmission of services, or any inaccuracies, errors or omissions in the information contained in the website or services. Under no circumstances will this website, and its owners, directors, officers, operators, and employees, be held liable for any indirect, incidental, special, consequential, exemplary, punitive or any other damages, including, but not limited to, lost profits or loss of opportunity, arising out of, based on, resulting from, or in connection with the website or services, these Terms, or your use or inability to use any of the foregoing, even if we have been advised of the possibility of such damages. All of these limitations apply regardless of the cause or form of action, whether the damages are claimed under the terms of a contract, tort or otherwise, and even if we have been advised of the possibility of such damages.
Our Privacy Policy is part of these Terms and can be viewed on our website. Please review it carefully.
These Terms shall be enforced to the maximum extent permitted by applicable law. If any provision is determined to be invalid, illegal, or unenforceable, such provision shall be deemed modified to the extent necessary to make it enforceable, or, if not possible, severed from these Terms, and the remaining provisions shall remain valid and enforceable in full force and effect. Headings used in these Terms are for convenience only and shall not affect the meaning, interpretation, or construction of any provision. Our failure to enforce any right or provision under these Terms shall not constitute a waiver of that right or provision, nor shall it affect our ability to enforce the same or any other provision at any time in the future.
These Terms and their interpretation, performance, and enforcement shall be construed in accordance with the laws of the State of Delaware, except for any conflict or choice of law principle thereof that would lead to the application of another jurisdiction's laws to the rights and duties of the parties. You and this website intend for the laws of the State of Delaware to apply in any dispute or legal proceeding. Any claim you may have against the site must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred and waived.
To the extent permissible by law, you and we (collectively, the “Parties”) agree to waive any right to pursue disputes or legal claims on a consolidated or class‑wide basis; that is, to either join a claim with the claim of any other person or entity or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding. You hereby acknowledge that by agreeing to this class action waiver, you may only bring claims against this site in an individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding.
You and we (collectively, the “Parties”) agree to submit any dispute or legal action arising out of or in any way relating to this site to binding arbitration conducted by a single arbitrator under the Commercial Rules of the American Arbitration Association (“AAA”) in Kent County, Delaware, rather than a proceeding in a court of law. Any and all discovery shall be completed within one‑hundred and twenty (120) calendar days following the appointment of an arbitrator. The Parties shall be entitled to representation by counsel, to appear and present written and oral evidence and argument and to cross‑examine witnesses presented by the other party, provided that, where appropriate, the arbitrator may receive testimony via telephone, video, or other electronic mediums of communication. The arbitration award shall be issued in writing and the arbitrator shall provide written reasons and justifications for the award. The arbitration shall be binding, meaning that the award of the arbitrator shall be final and binding on the Parties hereto and may be enforced in any court of competent jurisdiction. The prevailing party in any arbitration proceeding to enforce its rights hereunder shall be entitled to recover reasonable attorneys' fees and other reasonable costs, including fees of the arbitrator and the AAA, incurred in the action or proceedings, not to exceed fifty thousand dollars ($50,000.00). In no event shall the arbiter award punitive or exemplary damages. The Parties shall waive any right they may have to an appeal of the arbitrator's decision and/or award. Each party retains the right to seek judicial assistance: (a) to compel arbitration, (b) to obtain interim measures of protection prior to or pending arbitration, (c) to seek injunctive relief in the courts of any jurisdiction as may be necessary and appropriate to protect the unauthorized disclosure of its proprietary or confidential information; (d) for any claims of infringement or misappropriation of this site's copyright, trademark, or trade secrets; and (e) to enforce any decision of the arbitrator, including the final, binding award. If any AAA rule conflicts with these Terms or this section, these Terms and this section shall control. By agreeing to binding arbitration, you agree that the Parties are each waiving the right to file a lawsuit and the right to a trial by jury in any action in any way arising out of or related to this agreement. Notwithstanding anything to the contrary, any party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction.
If you have questions about these Terms, please use the contact information herein:
