Terms of Use

PaydayLoans.com (“PaydayLoans.com,” “we,” “our” or "us") is the owner and operator of the website located at www.PaydayLoans.com (the “Site”). We maintain and provide the Site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices that are contained in these Terms of Use. By accessing and making use of the Site, you accept and agree, without any limitation whatsoever, to the following terms and conditions:

PAYDAYLOANS.COM PRODUCTS AND SERVICES

You understand and agree that PaydayLoans.com is not a lender and is neither the issuer of, nor creditor for, the products that are offered on the Site. Any products or services that are advertised on the Site or made available to you after you receive a financial product from an issuer are by, and remain the sole responsibility of, the respective product vendors and service providers.

PAYDAYLOANS.COM’S POLICY ON LOAN REQUEST ACCEPTANCE

Your receipt of an order confirmation from PaydayLoans.com does not serve as a sign of any acceptance of your funding; also, it does not constitute confirmation of any offer to fund. PaydayLoans.com reserves the right to, at any point after we receive your request for a fast online cash loan, accept or decline the request for any reason we see fit. PaydayLoans.com may require extra information or verification before it is able to accept a particular request for loan assistance. PaydayLoans.com is not responsible for either online cash loan requests that can’t be funded or funding requests that prove to be unsuccessful as a result of a loan applicant’s ineligibility to qualify for the funding opportunity.

LEGAL RESTRICTIONS

You must be at least 18 years of age in order to be able to utilize the Site. You agree to not use the Site or its content for any inappropriate or illegal activities.

PAYDAYLOANS.COM CUSTOMER LEGAL COMPLIANCE

You agree to comply with all applicable laws, statutes, regulations and ordinances regarding your use of the PaydayLoans.com website and your purchase of products or services through the Site’s various third-party affiliates. PaydayLoans.com may, at its sole discretion, report perceived or actual legal violations to appropriate authorities, with law enforcement included among these authorities. In the event that PaydayLoans.com learns, through a complaint or otherwise, of any suspected or potential violation of these Terms of Use or of our privacy policy (“Privacy Policy”), we may (though are not obliged to) investigate to find out the nature and extent of the possible violation and determine the correct enforcement action, during which investigation PaydayLoans.com may actually suspend services to any customer who is being investigated and/or remove any material from PaydayLoans.com’s servers. You agree to totally cooperate with any such investigation. You acknowledge that if you commit a violation of these Terms of Use, such violation could potentially make you subject to either criminal or civil penalties.

CREDIT CHECK – FCRA COMPLIANCE

By submitting your information to PaydayLoans.com you are providing your express written consent under the Fair Credit Report Act for PaydayLoans.com and selected lenders and affiliates with whom you are connected to obtain your consumer credit profile or other information from contracted credit bureaus associated with your inquiry. While the "soft pull" that PaydayLoans.com may initiate will not affect your credit score, please note that credit inquires by selected lenders and affiliates will likely impact your credit score. You understand and agree that by submitting an application to PaydayLoans.com you are submitting an application for credit, and are consenting to the use of your information to conduct anti-fraud security checks and evaluate your application for credit. You understand that your request may be connected with multiple lenders, each of whom may obtain consumer report information from your credit profile.

INCOME DISCLOSURE

You are not required to disclose alimony, child support or separate maintenance income on PaydayLoans.com unless relied upon for credit.

INCOME VERIFICATION

Applying for a loan though PaydayLoans.com will require you to submit to PaydayLoans.com information about your personal income. This information will be passed on to the lenders we work with in order to provide you with the proper loan. Some lenders may require that you be able to verify your income before offering you a loan. By submitting your income information to PaydayLoans.com you promise that it is completely accurate information. While PaydayLoans.com will not require any income verification, you agree that lenders with whom PaydayLoans.com works may need to verify your stated income by requesting proof of income, such as copies of pay stubs or bank statements. You further agree that such a proof of income may be a necessary step in receiving a personal loan.

E-CONSENT

By using the services available through PaydayLoans.com, you consent to receive electronically all disclosures, notices or other records that we, our lenders, or our third-party partners are required by law to present to you in writing regarding your loan application or the making of your loan (e.g., written disclosures required under the Truth in Lending Act and the Equal Credit Opportunity Act) (the “Disclosures”). Each time you submit an application through PaydayLoans.com, you consent to the receipt of electronic Disclosures with respect to that specific loan application and the resulting loan, if any. Your consent does not apply to any future transactions between us, our lenders or our third-party partners. Our lenders or third-party partners may ask you to agree to an additional electronic consent agreement (or similar agreement). You are responsible for reading and understanding the terms of these additional consent agreements.

PAYDAYLOANS.COM’S INTELLECTUAL PROPERTY POLICY

The characters, trade names, titles, trademarks, graphics, designs and other properties, including all text, images and software appearing on the Site, are fully protected intellectual properties owned by PaydayLoans.com, its licensees, or other third parties that have authorized use of those properties.

PaydayLoans.com permits you to view and produce copies of pages, images, documents or other materials or content on the Site for the purposes of acquiring a fast online loan through PaydayLoans.com or any of its affiliates for your personal and noncommercial use. PaydayLoans.com reserves all other rights in the Site and its contents. You aren’t permitted to display, disseminate, transmit or distribute any such pages, images, documents, materials or content without first receiving written consent from PaydayLoans.com. Except as expressly provided on the Site, nothing contained on the Site shall be construed as conferring any right or license under any copyright, trademark or other intellectual property rights.

LIMITATION OF PAYDAYLOANS.COM’S LIABILITY AND WARRANTY DISCLAIMER

PaydayLoans.com makes a reasonable effort to ensure that all information found on the Site is completely accurate. That being said, PaydayLoans.com is not able to guarantee such accuracy. PaydayLoans.com makes no representations with regard to the results or use of any of our website’s content as to its accuracy, reliability or any other matter.

NEITHER PAYDAYLOANS.COM NOR ANY OUTSIDE PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING OUR WEBSITE SHALL BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, DIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES THAT MAY ARISE OUT OF YOUR ACCESS TO, OR USE OF, THE SITE. EVERYTHING ON THE PAYDAYLOANS.COM WEBSITE IS PROVIDED “AS IS” AND WITHOUT ANY KIND OF WARRANTY, EITHER IMPLIED OR EXPRESS, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. The aforementioned exclusions and limitations are applied to the fullest extent allowed by law in each jurisdiction.

OUTSIDE-PARTY WEBSITE CONTENT

The PaydayLoans.com website may contain links to outside websites that are maintained by third parties. PaydayLoans.com is not responsible for either the privacy policies or the content of these outside sites, and the links absolutely do not represent any kind of endorsement or recommendation of the sites or of any product or service offered by them or of any party affiliated with them.

PAYDAYLOANS.COM’S PRIVACY POLICY

The PaydayLoans.com Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through the Site in accordance with the Privacy Policy to be found at https://www.paydayloans.com/privacy. This particular document spells out your rights and our responsibilities with regard to the personal information you give us. PaydayLoans.com pledges to not utilize your information in any way that is not consistent with the purposes and limitations outlined in the Privacy Policy. You agree that PaydayLoans.com, in its sole discretion, may alter the Privacy Policy at any time, and you further agree that, by using the Site after such changes go into effect, you have consented to the changes. You acknowledge that if you do not consent to any such alteration, you will no longer make use of the PaydayLoans.com website.

SECURITY MEASURES

PaydayLoans.com makes use of extremely secure technology to ensure that your sensitive personal information is well-protected. Although PaydayLoans.com has taken reasonable measures to provide for the security of certain pieces of crucial information that you submit to the Site, it cannot absolutely guarantee that this information will not be decrypted or intercepted by others and used in manners that are unauthorized. PaydayLoans.com accepts no responsibility for such decryption or interception.

USE OF THE PAYDAYLOANS.COM WEBSITE

PaydayLoans.com is not your agent, and neither is it the agent of the issuer of any online cash loan or any supplier with respect to your decision to take out a loan. PaydayLoans.com may get compensation from third parties for facilities, services or goods that we make available to them under separate contact. Such facilities, services or goods may or may not relate at all to your use of the PaydayLoans.com website. You agree to any such compensation arrangement whether it’s related to your use of our website or not.

IMPORTANT DETAILS CONCERNING LAW, JURISDICTION AND VENUE

You agree that any legal action you take against PaydayLoans.com shall be governed by the laws of the State of Nevada, disregarding conflict of law principles. You agree that the only venue and jurisdiction for any litigation arising from orders made on, or your use of, the PaydayLoans.com website shall be an appropriate federal or state court located within Nevada’s borders. We make no representations that PaydayLoans.com website content is appropriate for access outside the United States. Individuals who decide to access the PaydayLoans.com website from outside the U.S. do so on their own initiative and are responsible for complying with applicable local laws where they are. If any provision within this document is held to be invalid or unenforceable, said provision shall be struck and all remaining provisions shall be enforced.

MODIFICATION TO THE TERMS OF USE

PaydayLoans.com reserves the right to, when it deems it appropriate to do so, modify these Terms of Use. Your use of the PaydayLoans.com website after such a modification will constitute your acceptance of and agreement to any new or amended terms and conditions.

INDEMNIFICATION

By using the PaydayLoans.com website, you agree to indemnify and hold us, our subsidiaries, affiliates, officers, agents, and other partners and employees harmless from any liability, loss, demand or claim, including reasonable lawyers’ fees, made by any third party due to, or arising out of, your use or attempted use of the Site, including uploading content of any sort to the Site or providing a link to an outside website.

VIOLATION OF THESE TERMS OF USE

By utilizing the PaydayLoans.com website, you understand and agree that we, at our sole discretion and without providing any kind of advance notice whatsoever, may cancel your access to the Site and to any of the services offered on it, and may remove any content provided by you if we believe that the content is inconsistent with or violates these Terms of Use or the Privacy Policy or their intent; that your conduct is disruptive; or that you have violated the law or the rights of PaydayLoans.com or another user of our website.

MISCELLANEOUS

All rights not expressly granted in these Terms of Use are reserved to PaydayLoans.com. The section headings found within these Terms of Use are used purely for the sake of convenience, and they shall not affect the construction and interpretation thereof or hereof. The failure of a party to enforce or insist upon strict performance of any provision of these Terms of Use shall not be interpreted as representing a waiver of such or any future provision or right. If any provision of these Terms of Use is determined to be invalid or unenforceable, that determination shall affect neither such provision in any other way nor any other provision of the Terms of Use, which shall remain in full force and effect. The PaydayLoans.com Privacy Policy and these Terms of Use make up the entire agreement and understanding between the parties with respect to the subject matter contained therein and herein, and they take the place of any and all prior oral or written agreements related to the subject matter hereof.

PAYDAYLOANS.COM CONTACT INFORMATION

Email address: support@paydayloans.com

(©) 2017 PaydayLoans.com. All Rights Reserved.

Legal Disclaimer: With your use of this website you agree to PaydayLoans.com's Terms of Use, Privacy Policy, and E-Consent. A payday loan is a small, unsecured and short-term loan that's intended for use specifically as a form of short-term financial relief, and it's not meant to be a long-term financial solution. Consumers that find themselves presently struggling with debt and credit difficulties should seek out debt and credit advisory assistance. PaydayLoans.com is not a lender and nothing on this website constitutes an offer or solicitation to lend. Additionally, we do not work as a representative, broker or agent of any payday lender. PaydayLoans.com informs consumers of lenders who may meet the consumer's requested needs, and PaydayLoans.com never charges any fee for this service. Residents of certain states may not be eligible for a payday loan as eligibility is based upon lender requirements. Users are under no obligation to request any loan product or use PaydayLoans.com's service. It is standard for lenders of payday loans to perform credit checks with credit bureaus or for lenders to obtain consumer reports through alternative providers. In submitting your information, you are fully agreeing to be contacted by lenders and/or third party providers, and/or agents of those lenders or providers.

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being connected with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. This offer and service provided by PaydayLoans.com is void where prohibited.