payday money. Online Terms of Service
Last updated: August 29, 2021
By accessing the “payday money. online app” (the “App”), you agree to be bound by these terms and conditions (the “Terms”). Please read these Terms carefully. If you do not agree to these Terms, please exit the App immediately.
How our service work
Our FINANCIAL SERVICE referral service (the “Service”) connects consumers with prospective lenders participating in our network (the “Lender Partners”). To use the Service, you must complete an online application form (an “Application”) that requests personal information from you, including your name, address, telephone number, email address, social security number, bank account information, and employment information. Our collection and use of this information are subject to the App’s Privacy Policy, which is incorporated into these Terms.
Credit Designations
The App is not a lender and does not make FINANCIAL SERVICEs or credit decisions. The App does not guarantee that any Lender Partner will offer you a FINANCIAL SERVICE or that any FINANCIAL SERVICE offer will contain any specific FINANCIAL SERVICE terms or conditions.
The repayment terms on the FINANCIAL SERVICEs provided by our Partner Lenders are from 2 months up to 60 months. Origination fees may apply and they vary between 2.41% – 8%. APRs range from 5.94% to 35.99% with the lowest rates for the most creditworthy borrowers.
Representative FINANCIAL SERVICE cost example: FINANCIAL SERVICE amount – $10,000; FINANCIAL SERVICE term – 36 months; APR – 17,98%; monthly payment – $343,33; the total amount payable – $12,359,88; the total interest – $2359,88.
The APR on your FINANCIAL SERVICE may be higher or lower and your FINANCIAL SERVICE offers may not have multiple term lengths available. The actual rate depends on credit score, credit usage history, FINANCIAL SERVICE terms, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate FINANCIAL SERVICE.
The App does not guarantee that the price, product, availability, rates, fees, or any other FINANCIAL SERVICE terms offered and made available by Lender Partners through the Service are the best terms available in the market.
Once you submit an Application, the App shares your information with our Lender Partners. By submitting an Application, you understand and agree that you requesting FINANCIAL SERVICE offers from the Lender Partners. You are also agreeing that the App and the Lender Partners may contact you by any means (including email, telephone, SMS, and direct mail) so that they may assist in processing your Application or provide information to you about additional offers now or in the future.
Lender Partners who receive your Application review your information in real-time to determine whether your information meets the Lender Partner’s underwriting criteria. Lender Partners may use your Application information to perform a credit check (either through the “Big Three” credit reporting agencies (a “Hard Check”) or through a number of other data aggregators (a “Soft Check”), and review your information against national databases (such as Teletrack, DP Bureau, or DataX) that track consumer transactions with lending institutions. By submitting an Application, you agree to allow Lender Partners to review, verify, and research your information in such a manner.
If a Lender Partner determines that your Application meets its underwriting criteria, you will be redirected to the lender. You understand and agree that, once you have been redirected to the direct lender, the App has no further involvement in the FINANCIAL SERVICE application or approval process. Your interactions with the lender are subject to the privacy policy, terms of use, and other policies or terms enforced by that lender.
Accuracy
You represent that the information you provide to the App, and ultimately, the Lender Partners, through your Application is accurate and truthful. If the information in your Application is not accurate and truthful, the App may deny, suspend, or terminate your use of the Service.
Control over Features, functions, and access to the service
The App may change any information, features, or functions of the Service without prior notice. The App may deny you access to all or part of the Service without prior notice if you engage in any conduct or activities that the App determines, in its sole discretion, violate these Terms, the rights of the App or any third party, or is otherwise inappropriate. The App is not responsible for any errors or delays in providing Service caused by errors in the Application information provided by you or by any technical problems beyond its reasonable control.
Disclaimers and Limitations
The App and the information, software, products, and services associated with it are provided “as is.” The App expressly disclaims any warranty of any kind, whether express or implied, as to any matter whatsoever relating to the app and any information, software, products, or services provided herein, including without limitation the warranties of title, non-infringement, merchantability, or fitness for a particular purpose.
The App makes no warranty as to the results that may be achieved by using the app and the information, software, products, and services associated with it. Use of the app or the service is at your own risk.
The App or the Lender Partners or advertisers or any of their officers, directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers, or service providers will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages or other injury arising out of or in any way connected with the use of the app or the service or with the delay or inability to use the app, or for any information, software, products, or services obtained through the app, or otherwise arising out of the use of the app, whether resulting in whole or in part, from breach of contract, tortious behavior, negligence, strict liability, or otherwise, even if the App or the Lender Partners have been advised of the possibility of damages.
The App does not endorse or recommend the products of any particular lender. The App is not an agent of you or any participating lender. The App is not involved with the lender’s use or review of your application information or in making a determination about whether you meet a particular lender’s underwriting criteria. The lender is solely responsible for its services to you, and you agree that the App will not be liable for any damages or costs of any type arising out of or in any way connected with your use of the service. You understand that Lender Partners may keep your application information, whether or not you are qualified for a FINANCIAL SERVICE with them.
Some states do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above may not apply to you. In such states, the respective liability of the App, the Lender Partners, and their officers, directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers, and service providers are limited to the greatest extent permitted by law.
Indemnity
As a condition of using the App or the Services, you agree to indemnify the App and the Lender Partners from and against any and all liabilities, expenses (including attorney’s fees), and damages arising out of claims resulting from your use of the App, including any claims alleging facts that if true would constitute a breach by you of these Terms.
Third parties
The App may contain links to other sources operated by Lender Partners or other third parties. These links are provided for your convenience and reference only. The App does not operate or control in any respect any information, software, products, or services available on such third-party sites. The App’s inclusion of a link to a source does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Dispute Resolution
Any claim or controversy arising out of or relating to the use of the App, to the use of the Service, or to any acts or omission for which you may contend the App is liable (a “Dispute”), will be settled exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Los Angeles, California and judgment on the arbitration award may be entered into any court of competent jurisdiction. No arbitrator will have the power to award damages in connection with any Dispute in excess of actual compensatory damages and will not multiply actual damages or award consequential, punitive, or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate will not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.
By agreeing to these terms, you give up your right to settle any disputes with the App in a court of law or before a jury. You also give up your right to participate in or bring class actions. By using the App’s service, you consent to these restrictions.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and the App, you agree that jurisdiction over and venue of any suit will be exclusively in the state and federal courts sitting in Los Angeles, California. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the services must be filed within one year after such claim or cause of action arose or be forever barred.
SMS terms & conditions
By providing a mobile phone number you are opting into communications via SMS from the Lender Partners. These communications may include a follow-up SMS message containing a link to your completed FINANCIAL SERVICE application, payment reminders from Lender Partners, and future offers.
Message and Data Rates May Apply. Under no circumstances will the App be responsible for fees that your wireless carrier or other third parties may charge you for the use of this service.
Messages may be delayed or undelivered for various factors. Carriers are not liable for delayed or undelivered messages.
Other Terms
These Terms constitute the entire agreement between you and the App. These Terms will be governed by the laws of California without regard to its conflict of law principles. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely connects the intent of the original provision, and the remainder of these Terms will remain in effect. Any failure by the App to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. The App may amend these Terms at any time by posting the amended terms. All amended terms are automatically effective immediately upon posting.
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