Terms of Use

All applications, credit decisions, transactions and your account shall be governed by all applicable Federal laws and all laws of the jurisdiction in which the Payday Loan Lender is located, regardless of which state you may reside, and you consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Payday Loan Lender is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of its residency. The funds will be disbursed from our account. This service does not constitute an offer or solicitation for short term loans in all states. This service may or may not be available in your particular state. The states serviced may change from time to time without notice. Regardless of where you may be viewing or accessing this website, you as the borrower of a payday loan are responsible for complying with any local statutory obligations that may exist in your area or state with respect to this transaction. The Federal laws and laws of the jurisdiction in which the Payday Loan Lender is located governing this consumer loan agreement may differ from the laws of the state where you reside. If you do not want to enter into a consumer loan agreement with us under our terms, then you should apply for a payday loan at a provider located in the state where you live. All aspects and transactions on this site will be deemed to have taken place at our location in North Carolina, and will be deemed to be regulated by all applicable federal laws and the laws and regulations of the jurisdiction in which the Payday Loan Lender is located.

WARNING
A Payday Loan is intended as a short-term cash flow tool. It is not designed as a solution for longer-term financial problems. Please do not get a payday loan if you are not able to pay it back.

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions. This website (payday-loan.org) does not constitute an offer or solicitation to lend. The operator of this website (payday-loan.org) is not an agent, representative or broker of any Payday Loan Lender and does not endorse or charge you for any product or service. Not all payday loan lenders can provide your requested loan. Cash transfer times may vary between payday loan lenders and may depend on your individual financial institution. Repayment terms vary by payday loan lenders and local laws, and not everyone will qualify for 100 day terms. In some circumstances faxing of additional information may be required. For details, questions or concerns regarding your cash advance, please contact your payday loan lender directly. We are not your payday loan lender, so contacting us for help will not be useful to you.

Residents of Georgia, Massachusetts, Virginia & West Virginia are NOT eligible to apply for a cash advance or payday loan on this web site.

This service is not available in all states, and the states serviced by this Website (payday-loan.org) may change from time to time and without notice.

Payday Loans are also commonly referred to as Payday Advances, Payday Advance Loans, Cash Advances and Fast Cash Loans.

Customer Notice: Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. DO NOT get a payday loan if you will not be able to pay it back.

Our website’s loan matching service matches consumers with prospective lenders participating in this website’s direct network of loan lenders (“participating lenders”) for short-term loans up to $1000 (Dependent on State Regulations). Not all payday loan lenders can provide up to $1000. Sorry about that. The operator of this website is not a lender, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender in its network. Providing your information on this Website (payday-loan.org) does not guarantee that you will be approved for a cash advance or payday loan.

The operator of this Website (payday-loan.org) is not an agent, representative or broker of any lender and does not endorse or charge you for any service and/or product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Don’t contact us as we are not your payday loan lender.

Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Usually, lenders will not perform credit checks with the three credit reporting bureaus: Trans Union, Experian and Equifax. Credit checks or consumer reports through alternative providers may be obtained by some, but not all, payday lenders.

This service does not constitute an offer or solicitation for payday loans in any way in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, or West Virginia, Virginia or Ohio. This service and offer are totally void where prohibited.

Terms and Conditions
In your Loan Agreement the words “you” or “your” mean the customer identified on front of the agreement. The words “Us,” “We,” and “Our” mean the Payday Loan Lender.

1. Acceptance
As set forth herein, you accept the terms and conditions as outlined in this Agreement by authorizing us to make you a loan under federal laws and the laws of the jurisdiction in which the Payday Loan Lender is located. This Agreement is confirmation of our agreement including the terms which were available through our designated servicer, and on our website (payday-loan.org) prior to the completion of the transaction.

2. Venue
Acceptance of this Agreement by us is deemed to have taken place at the payday loan lender’s location, and in accordance with federal laws and laws of the jurisdiction in which the Payday Loan Lender is located. Both parties agree to have any conflict about this Agreement between the parties resolved in the Payday Loan Lender’s venue as outlined herein, forsaking any other venue which either party may claim by virtue of its residency.

3. Jurisdiction
Both parties agree this Agreement shall be deemed executed at the lender’s location without regard to its conflicts of law principles, regardless of the order in which the parties agree, and shall be governed in accordance with federal laws and laws of the jurisdiction in which the Lender is located, forsaking any other jurisdiction which either party may claim by virtue of its residency. Your acceptance of our service after the period of expiration of the options in paragraph 5 confirms your prior acceptance of this Agreement and confirms the exclusive adjudicatory authority of the jurisdiction in which the Lender is located. Further, if any provision(s) of the Arbitration Clause is/are found invalid, you agree that all actions or proceedings arising indirectly or directly, from this Agreement shall be litigated in such courts and consent that valid service of process may be made by certified or registered mail, to you at your address set forth herein or as may otherwise be designated hereafter by you in writing, and service so made shall be complete two days after delivery as aforesaid. All applicable Federal laws and laws of the jurisdiction in which the Lender is located govern this entire transaction.

4. Cancellation
You have the right within 24 hours of receiving this Agreement and receipt of any funds or goods, to return the funds and/or goods to us if you do not accept the terms as outlined in this Agreement by the following method: Facsimile Return the funds by faxing a request within 24 hours of receipt of the Agreement and any funds or services. Fax a written request to rescind the loan and request for the funds to be electronically withdrawn from your account.

5. Electronic Presentment of Funds
You agree to the electronic presentation by us of any funds owed and to the re-presentation of any presentations that are returned to us for any reason. Such electronic re-presentation may be for less than the original amount owed us or in any increments totaling the amount due including the maximum permissible non-sufficient funds fees charged by us in accordance with our Loan Note and Disclosure, and federal laws.

Furthermore, by submitting the application form, the customer authorizes us or our designated servicer, and the customer’s current verified financial institution (even if the financial institution and/or account numbers are different than those on the original application) to initiate debit (bank draft or ACH) and credit entries as necessary when an original ACH transaction is returned unpaid or unable to complete. The customer authorizes us or our designated servicer and/or assigned collection agency to submit bank draft debits and/or ACH for partial payments to allow full repayment of the cash advance and any/all associated fees to be completed. The customer authorizes us or our designated servicer to make both credit and debit entries, to and from any bank account of the customers at any institution, from time to time, for fixed and variable amounts, including recurring transactions and point-of-sale transactions, according to the terms of the customer’s agreement. The customer understands and agrees that we or our designated servicer do not need to notify the customer prior to any recurring debit entry for a fixed amount, or prior to any point-of-sale debit entry initiated by the customer, or prior to any credit item.

6. Documentation
You fully agree that electronic forms, records, electronic mail, photocopies, and/or facsimile copies of the documents you submit are valid and enforceable as the original. Furthermore, you also agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all terms and conditions of the Agreement for which will be deemed valid and binding on all parties to this Agreement.

7. Class Action
AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, by signing below you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our agents, servicers, directors, officers and employees. You also agree to the entry of injunctive relief to stop such a lawsuit or remove you as a participant in the lawsuit. You agree to pay any and all costs we incur, including our court costs and attorneys’ fees, in seeking such relief. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to participate in, join in or bring class action suits is an independent agreement and shall survive the closing, funding, repayment and/or default of the loan for which you are applying.

8. Electronic Signature/Verbal Consent
By agreeing to this application, you understand and agree to absolutely all terms and conditions of this Agreement and by submitting the online information application by Internet or by phone, you are applying for a cash advance / payday loan and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of your electronic signature or verbal consent by phone, you are not presently involved in, or contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and hereby give the Lender consent to obtain information on you from a consumer reporting agency or other various means available. You fully understand that the payday loan lender reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is absolutely necessary, including (but not limited to) bank account AND employment verification. You also accept personal responsibility for safeguarding any CUSTOMER NUMBER or PIN that might be assigned to you.

9. Arbitration
AGREEMENT TO ARBITRATE ALL DISPUTES: By signing below and to induce us to process your application for a loan, you and we agree that any and all claims, disputes or controversies that we or our servicers or agents have against you or that you have against us, our servicers, agents, directors, officers and employees, that arise out of your application for one or more loans, the Loan Agreements that govern your repayment obligations, the loan for which you are applying or any other loan we previously made or later make to you, this Agreement To Arbitrate All Disputes, collection of the loan or loans, or alleging fraud or misrepresentation, whether under the common law or pursuant to federal or state statute or regulation, or otherwise, including disputes as to the matters subject to arbitration, shall be resolved by binding individual (and not class) arbitration by and under the Code of Procedure of the National Arbitration Forum (“NAF”) in effect at the time the claim is filed. This Agreement To Arbitrate All Disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, or at “National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405.” If you are unable to pay the costs of arbitration, your arbitration fees may be waived by the NAF. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us if the amount of the claim is $15,000 or less. Unless otherwise ordered by the arbitrator, you and we agree to equally share the costs of a participatory hearing if the claim is for more than $15,000 or less than $75,000. Any participatory hearing will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction. This Agreement To Arbitrate All Disputes is an independent agreement and shall survive the closing, funding, repayment and/or default of the loan for which you are applying. NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.

10. Definitions
All terms used herein are to be defined in accordance with statutes, codes, and federal laws of the United States of America.

11. Assignment
We hereby reserve all rights and power to assign any of our interests in the Agreement to any assignor, successor or purchaser for value without notice or your consent.

12. Schedule of Charges
Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any and all credit purchase or transaction (such as this cash advance / payday loan) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or APR. If and when we do provide a cash advance / payday loan, we will provide all the costs, terms and rates associated with our cash advance program here. When we do offer cash advances, we will have a chart here representing illustrative examples of the cost of a loan to the borrower. If you have any questions, or would like more information, please contact us. Make certain the questions that you ask are answered. And please make sure you understand the term and costs of you loan.

13. Equal Credit Opportunity Act Fair Lending Notice
Regulation B: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against any and all credit applicants on the basis of color, race, religion, national origin, marital status, sex, age (provided that the applicant has the full legal capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is Federal Trade Commission Equal Credit Opportunity Washington, D.C. 20580.

14. Use of Information and Materials
The materials and information contained in these web pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our websites and systems (including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on a website) is absolutely and strictly prohibited. Not all services and products are available in all geographic areas of the country. Your eligibility for particular services and products is subject to final determination by us, the payday loan lender and/or its affiliates and designated loan servicers.

15. Promise to Pay
You promise to pay us the Amount Financed, the Finance Charge and other permitted charges according to the Federal Truth-In-Lending Disclosures. You acknowledge and agree that you are indebted to us in the amount of the Total of Payments, and that the amounts set forth in the Federal Truth-In-Lending Disclosures are not in dispute.

You have made promise to pay us or to our order, (per your signature, electronic or otherwise, on original advance application of Master Agreement) in one payment on the date indicated in the payment schedule, or if extended payment request was submitted and processed, the total of payments on or after the next date your cash advance comes due. You authorize us to effect this payment by one or more ACH debits and or demand bank draft debit entries to your account of your financial institution (bank or credit union) until this cash advance comes due. You authorize us to effect this payment by one or more ACH debits and or demand bank draft debit entries to your account of your (bank or credit union) financial institution until this cash advance note is paid in full. You have confirmed that you are not in bankruptcy proceedings, nor do you contemplate or plan on filing bankruptcy in the future.

You also promise to keep open and maintain an adequate balance in your account to assure any and all payments are made to us in a timely manner on the scheduled due date(s), until this cash advance note / payday loan is paid in full.

You understand that if at any time your account becomes delinquent, we or our designated servicer will follow the Fair Debt Collection Practices Act during attempts of repayment of your payday loan.

16. No Warranty
The materials and information contained in this website (including graphics, text, links or other items) are provided “as available”, “as is”. We, the payday loan lender, do not warrant the adequacy, accuracy or completeness of this materials and information and expressly disclaim liability for omissions or errors in this materials and information. No warranty of any kind at all, expressed, implied or statutory (including but not limited to the warranties of non-infringement of 3rd party title, rights, merchantability, fitness for a particular purpose and freedom from computer virus and malware), is given in conjunction with the materials and information.

17. Links
This website contains links to websites controlled or offered by 3rd parties (affiliates and non-affiliates of ours). We hereby disclaim liability for any materials, information, services or products posted or offered at any of the 3rd party sites linked to this website. By creating a link to a 3rd party website, we do not endorse or recommend any services or products offered or information contained at that website, nor are we liable in any way for any failure of services or products offered / advertised at those websites. Such 3rd party may have a privacy policy different from that of ours and the 3rd party website may provide less security than our websites.

18. USA Patriot Act
Pursuant to requirements of Federal law, including the USA PATRIOT Act, we may obtain information and will take necessary action to verify your personal identity.
By submitting the application form, you understand and agree to all conditions and terms of this Master Agreement and by submitting the online information application by Internet, you are applying for a cash advance / payday loan and certify that the information provided by you is 100% correct and true under penalty of perjury. You also agree that upon submission of your electronic signature, you are not presently involved in, nor even contemplating bankruptcy now or in the future. You also authorize us to verify the information in this application and hereby give us (the payday loan lender) consent to obtain information on you from a consumer reporting agency or other various means available. Furthermore, you understand that the payday loan lender reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, You understand verification of the information you have provided is absolutely necessary, including (but not limited to) proof of residence, bank account and employment verification. You accept personal responsibility for safeguarding any CUSTOMER NUMBER or PIN that might be assigned to you.

19. Limitation of Liability
In no event will we be liable for any and all damages, including without limitation indirect or direct, incidental, special or consequential losses, damages or expenses arising in connection with this website or any linked website or use thereof or inability to use by any party, or in connection with any failure of error, performance, interruption, omission, defect, delay in operation or transmission, computer virus, malware or line or system failure, even if we, or representatives thereof, are advised of the possibility of such losses, expenses or damages.

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