Terms of Service

These Terms of Service (“Terms”) govern your access to and use of paydayloanssanbernardino.com (the “Site”) and the connecting services available through the Site (the “Service”). “We,” “us,” and “our” refer to the operator of the Site.

By accessing the Site, using the Service, or submitting a loan request, you confirm that you have read, understood, and agree to these Terms. If you do not agree, do not use the Site or submit your information.

Eligibility

You must be at least 18 years old, be a legal resident of the United States, have the legal capacity to enter into an agreement, and use the Service only for lawful, personal, and non-commercial purposes.

You may submit information only on your own behalf. You may not impersonate another person or submit a loan request for someone else without lawful authorization.

The Service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Availability may also be restricted in other locations based on applicable law and lender participation.

Description of the Service

The Site provides a connecting service that allows consumers to submit a loan request for consideration by independent lenders, lending partners, lender networks, and other financial service providers.

We are not a lender. We do not provide loans, extend credit, make credit decisions, approve or deny loan requests, determine loan eligibility, set rates or fees, establish repayment terms, or fund loans.

Submitting a loan request does not guarantee that you will be connected with a lender, receive a loan offer, qualify for a particular loan amount, or obtain any specific rates or terms. Approval is not guaranteed.

Submitting a Loan Request

To use the Service, you may be asked to provide personal, contact, employment, income, banking, or other financial information. You agree that all information you provide will be accurate, current, and complete.

After you submit a loan request, your information may be shared with one or more lenders, lending partners, lender networks, service providers, or marketing partners for review and related purposes.

A lender or lending partner may verify your identity, employment, income, bank information, credit history, or other details. Some lenders may obtain a consumer report, use alternative credit information, or request additional documents or information as permitted by applicable law.

If a lender is interested in your request, you may be redirected to a third-party website or contacted directly. From that point, all communications, verification procedures, loan offers, and agreements are between you and the lender.

You are not required to accept any offer presented to you.

Compensation Disclosure

Consumers are generally not charged a fee to use the Site’s connecting Service. We may receive compensation from lenders, lending partners, advertisers, service providers, or marketing partners for referrals, submitted requests, advertising, or other qualifying actions.

Compensation may affect which partners receive an opportunity to review a request, which services are presented, or the order in which third-party offers appear. We do not promise to identify every available lender or the lender offering the least expensive or most favorable terms.

Loan Terms and Lender Decisions

Loan availability, approval, loan amounts, interest rates, finance charges, fees, repayment schedules, renewal policies, verification requirements, and funding times are determined by individual lenders and may vary based on your state, credit profile, income, and other circumstances.

We do not control or guarantee any lender’s decision, requirements, rates, fees, terms, or funding process.

Funding may be available as fast as the same business day after lender approval, but timing is not guaranteed. Funding times depend on the lender, your financial institution, the time and day of acceptance, verification requirements, and other factors.

Any loan amount, cost example, estimated timeline, or other financial information displayed on the Site is provided for general informational purposes only and is not a loan offer or promise of specific terms.

Responsible Borrowing

Short-term loans can be expensive financial products and should be used responsibly. They are not intended to provide a long-term financial solution.

Before accepting an offer, review the lender’s complete terms and conditions, including the annual percentage rate, finance charges, fees, total repayment amount, payment schedule, late-payment policies, returned-payment fees, renewal terms, collection practices, and possible credit consequences.

Late or non-payment may result in additional fees, collection activity, legal action, or a negative effect on your credit score. Renewals, extensions, or refinancing may involve additional costs and may not be available in every state.

Accept a loan offer only when you understand its total cost and reasonably believe you can repay it according to the lender’s schedule.

Information available through the Site is provided for general educational purposes and does not constitute legal, tax, credit, or financial advice.

Privacy and Consent

By submitting your information, you authorize us to collect, use, process, and transmit it to participating lenders, lending partners, service providers, and other parties as described in the disclosures presented through the Site.

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

You also consent to the use of electronic records, disclosures, notices, communications, and signatures in connection with the Service.

Marketing calls, text messages, or emails are governed by the consent language presented when you submit your information. Where applicable, you may withdraw marketing consent by following the opt-out instructions included in the communication.

Third-Party Lenders and Websites

Lenders, lending partners, advertisers, service providers, and other third parties are independent businesses. We do not own, control, operate, endorse, or act as an agent for them.

We are not responsible for the actions or inactions of any lender or third party, including credit decisions, verification procedures, loan terms, rates, fees, funding, communications, privacy practices, collection activity, or compliance with applicable law.

Third-party websites have their own terms, privacy policies, disclosures, security procedures, and business practices. You are responsible for reviewing those documents before providing additional information or accepting any offer.

You should independently verify a lender’s identity, contact information, licensing status, and loan terms before entering into an agreement.

Prohibited Uses

You may not use the Site to provide false or misleading information, impersonate another person, engage in fraud, violate applicable law, interfere with the Site’s operation, gain unauthorized access to systems, introduce harmful software, collect information through automated methods, send unsolicited communications, or infringe intellectual property rights.

You may not copy, reproduce, distribute, modify, reverse engineer, decompile, or commercially exploit the Site or its content without prior written authorization.

We may restrict or terminate access to the Site if we reasonably believe that these Terms have been violated or that the Site is being used unlawfully or abusively.

Intellectual Property

The Site and its content, including text, graphics, designs, software, icons, and other materials, are owned by or licensed to the Site operator and are protected by applicable intellectual property laws.

You are granted a limited, revocable, non-exclusive, and non-transferable right to access and use the Site for lawful personal purposes. No ownership rights or intellectual property licenses are transferred to you.

Site Availability and Changes

We may modify, suspend, restrict, or discontinue any part of the Site or Service at any time without prior notice.

We do not guarantee that the Site will always be available, uninterrupted, accurate, complete, secure, or free from errors, harmful components, or technical problems.

We may revise these Terms by posting an updated version on the Site. Continued use of the Site after updated Terms are posted means that you accept the revised Terms.

Disclaimer of Warranties

To the fullest extent permitted by law, the Site, Service, and all related content are provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, or statutory.

We disclaim warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and security to the extent permitted by applicable law.

We do not warrant that use of the Service will result in a connection with a lender, approval of a loan request, a particular loan amount, specific rates or terms, or funding within any particular period.

Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, these exclusions apply only to the maximum extent permitted by law.

Limitation of Liability

To the fullest extent permitted by law, the Site operator and its affiliates, officers, employees, contractors, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the Site or Service.

This limitation includes losses connected with lender decisions, loan terms, fees, repayment obligations, funding delays, third-party communications, collection activity, data provided to third parties, or use of a third-party website.

We are not responsible for any agreement, transaction, dispute, loss, cost, damage, or claim arising between you and a lender, lending partner, service provider, advertiser, or other third party.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless the Site operator and its affiliates, officers, employees, contractors, agents, and service providers from claims, losses, liabilities, damages, and reasonable expenses arising from your unlawful use of the Site, material violation of these Terms, submission of false information, or infringement of another person’s rights.

Applicable Law and Disputes

These Terms are governed by applicable United States federal and state laws, without limiting any consumer rights that cannot lawfully be waived.

Before initiating a formal claim relating directly to the Site or Service, you agree to contact us and make a reasonable attempt to resolve the matter informally. This requirement does not prevent either party from seeking relief from a court, regulator, or government agency with lawful jurisdiction.

Severability and Waiver

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Our failure to enforce any provision of these Terms does not waive our right to enforce that provision or any other provision later.

Entire Agreement

These Terms, together with the policies, disclosures, authorizations, acknowledgments, and consent language presented through the Site, constitute the entire agreement between you and us concerning your use of the Site and Service.

You may not transfer your rights or obligations under these Terms without our prior written consent. We may transfer our rights and obligations in connection with the sale, transfer, reorganization, or continued operation of the Site.

Contact Information

Questions or notices regarding these Terms may be sent to [email protected].