INTRODUCTION
Please read these Terms of Use (“Terms”) for CashUSA.com (“Site”) and its services carefully. By using the Site, its services, or otherwise agreeing to these Terms, you agree to be bound by the terms and conditions below. If you do not agree to these Terms, you are not authorized to access or use the Site or its services.
For purposes of these Terms, “you” or “your” means the person(s) using this Site or the services offered through this Site. “We” or “us” includes Great LLC, its service providers, clients and affiliated companies.
SECTION 25 OF THESE TERMS CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS. UNLESS YOU OPT-OUT AND EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT ANY DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
You acknowledge that these Terms are supported by reasonable and valuable consideration, the receipt and adequacy of which is hereby acknowledged. Without limiting the foregoing, you acknowledge that such consideration includes, without limitation, your ability to visit, use and/or submit information to the Site or our services.
You represent that you have the capacity to be bound by these Terms, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity.
We have the right to make changes to these Terms occasionally. By using the Site or our services after the modification, you are agreeing to the changes. We might inform you about any changes through various methods, such as updating the Terms on the Site. You can find out the most recent update of this Agreement by looking at the date specified under “LAST UPDATED” above.
You admit that you comprehend and consent to the revelations in our Ad Disclosure and the conditions of our Privacy Policy. The information and statements in those papers are included in and regarded as part of these Terms.
As explained further in our Ad Disclosure, we are financially compensated by different lenders, third-party lender networks, consumer financial service providers, and marketers for connecting you with them, sharing your information, and promoting their products and services. This payment enables us to provide our services to you at no cost and make profits for our company. This remuneration can influence the providers you are matched with and the positioning of advertisements. You may be connected with or see advertisements from the top bidder(s).
Our Privacy Policy details your entitlements and our obligations concerning your personal data. We will only use your information according to the purposes and limitations stated in our Privacy Policy.
The Loan Request Service functions as a virtual platform where you can ask for a loan and aims to link you with potential lenders or creditors who are willing to provide you with a loan or other type of credit, such as inviting you to apply for a Loan. These lenders can be a part of our direct network or other third-party networks we collaborate with, collectively referred to as “Lending Clients”.
In order to utilize our Loan Request Service, you are required to fill out an online form known as the “Loan Request Form” which will inquire about specific details regarding you and your Loan Request. You acknowledge that the information you give us must be truthful, precise, and thorough, and you must not misrepresent yourself, pretend to be someone else, or input information for someone else.
Your Loan Request details are shared with our Lending Clients who decide how to proceed by either offering you a loan directly or assisting in finding a suitable lender, as outlined in our Ad Disclosure and Privacy Policy. Your information could also be utilized for marketing
If no lenders agree to your loan request, we might propose that you submit a new loan request or consider a different product. We have the right to approve or reject your Loan Request at any time following the submission of your Loan Request Form, based on our own judgement.
Based on the details provided in your Loan Request Form, we may promote additional consumer financial products and services from different financial service providers to you and/or share your information with them or marketers in order to offer Loans or Financial Services to you.
If a Lender decides to reply to your Loan Request or if you show interest in a Lender (e.g. by clicking on an ad), your browser will be directed to their website and they will probably contact you via email, phone, and/or SMS regarding your Loan Request Loans to you.
You acknowledge and consent that after being directed to a Lender or Financial Provider’s website, we are not involved in your interactions with them or any agreements you make. The way you engage with Lenders and Financial Providers must comply with their privacy policy, terms of use, and other policies or terms.
Our role is strictly limited to being a marketing agency for hire. We do not lend, broker, or make credit decisions. We do not participate in any credit dealings you may have with a Lender. The lender makes all decisions regarding credit.
The Loan Request Form is not a credit application or a request for Loan pre-approval. This is a request to connect with lenders and receive offers for financial services.
You recognize and agree that we are not responsible for the actions or failures of any lender clients, financial providers, or other third parties.
You recognize and understand that we are unable to promise that a Lender will provide you with a Loan or a Loan with certain terms. We cannot promise that the Loan offer you receive will have the most favorable terms or lowest rates in the market.
We have no connections to any Lenders or Financial Providers and do not support any particular Lenders or Financial Providers. We do not act as your representative, nor do we represent any Lenders or Financial Providers in relation to your request.
The purpose of our Loan Request Service is not to help you find the most favorable Loan conditions. It is created to locate a lender willing to provide you with a loan. You may not receive the best offer among all the offers you get. Lenders and financial providers may need to consider market conditions, approval and qualifications when making offers.
We make no assurances about verifying or examining the credentials of any Lenders or Financial Providers. You recognize and agree that investigating any such parties is your responsibility.
We advise you to thoroughly examine the terms of any Loan offers or Financial Service offers you may receive and consider all options before accepting any specific terms. We also recommend seeking guidance from experienced financial advisors or other qualified professionals who understand your specific situation before making any financial choices. The information we give you should not be seen as a replacement for expert advice, should not be taken as advice or recommendations, and should not be depended on for making financial decisions. You recognize and agree that you depend on your own assessment and that of advisors in choosing Loans or Financial Services.
You are releasing us from any losses, costs, damages, or claims related to your use of a Lenders’ or Financial Provider’s products or services, including any fees they may charge.
You acknowledge that by utilizing the Loan Request Service, you are giving permission to the Lenders to access your credit report and credit score from a credit reporting agency according to the Fair Credit Reporting Act (“FCRA”) for the purpose of verifying your identity and determining the approval of the loan.
These credit checks could either be classified as a “hard” credit inquiry, impacting your credit report and score, or as a “soft” inquiry that has no impact on your credit score. Credit checks can be conducted by the major credit reporting agencies TransUnion, Equifax, or Experian, as well as by other alternative agencies or data aggregators like Microbilt, Teletrack, DP Bureau, or DataX.
Even though Lenders can access your credit report, we don’t do that and we are not part of the process when a Lender does so.
Lenders who review your credit report may need to give you specific notifications about the credit check according to the FCRA. You accept and agree that we are not connected to such notifications.
You can expand your knowledge by reading our Credit Authorization Agreement, which you must accept when utilizing our Loan Request Service.
YOU CONSENT TO RECEIVE OFFERS, QUOTES & ADVERTISEMENTS
HEN YOU UTILIZE OUR LOAN REQUEST SERVICE, YOU ARE GIVING CLEAR PERMISSION FOR US, LENDERS, AND FINANCIAL PROVIDERS TO CONTACT YOU PERSONALLY WITH OFFERS, QUOTES, OR ADVERTISEMENTS THROUGH VARIOUS COMMUNICATION METHODS SUCH AS MAIL, PHONE, TEXT, FAX, EMAIL, AND OTHER CHANNELS. It is highly probable that you will receive telemarketing calls and/or texts after using our loan request service. EVEN IF YOU ARE REGISTERED ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY, THIS STILL APPLIES. You do not need consent to buy goods and services from us, lenders or financial providers.
By utilizing our loan request service, you acknowledge and consent to establishing a business relationship with us.
If you no longer want to receive communications from us, you can opt out by sending an email to support@cashusa.com at any time.
You admit and consent that, unless allowed by law, if you want to stop receiving messages from Lenders, Financial Providers, or other third-parties, you must reach out to them directly.
In the event that a Lender or any other Financial Provider replies to your Loan Request, you may get an SMS from us, the Lender, or a service provider that directs you to the Lender’s website or your application with the Lender.
You might also get additional text messages from us, Lenders, or Financial Providers regarding your Loan Request or interest in Loans or Financial Services.
You might also get additional SMS messages or upcoming promotions following your initial inquiry or interest.
By utilizing our Loan Request Service, you are giving your explicit permission to receive these messages. You also accept and acknowledge that these messages are a result of your Loan Request or your interest in Loans or Financial Services.
You admit and consent that charges for messages and/or data may be applied by your carrier. We will not be responsible for any fees that your carrier or other third parties may charge for using this service under any circumstances. Messages might experience delays or fail to be delivered due to a range of factors. We are not responsible for delayed or undelivered messages, and neither is your carrier.
By utilizing our Loan Request Service, you explicitly consent to us storing your details for quicker submission of Loan Request Forms on both this Site and other websites within our network. You have the option to unsubscribe from this service by asking us to remove your loan request details. One way to accomplish this is by reaching out to us via email at support@cashfinance.org.
DISCLOSURE OF THIRD PARTIES WHO MAY CONTACT YOU OR MAY RECEIVE YOUR DATA
When using our Loan Request Service, you consent to our Third-Parties page which provides information about the specific lenders, financial providers, marketers, and third parties that may have access to your information or contact you. This list might not contain every third-party of that kind. Your data might be passed on to and you might receive communication from other third parties as outlined in our Privacy Policy and the disclosures provided to you during your use of our Site or Loan Request Service. By utilizing our Loan Request Service, you explicitly agree to allow your information to be shared with these third parties and for them to reach out to you according to the details outlined in these Terms and in our Privacy Policy.
Your income information may be necessary for our Loan Request Service. We do not confirm the income information you give us on our Loan Request Form. Yet, this data will be shared with our Lending Clients in order to assist in locating a Lender who is willing to extend an invitation for you to apply for a Loan. You understand and agree that certain Lenders may ask for verification of your income before granting you a Loan or offering you a Loan. This can be done in a variety of ways, such as asking for evidence of income like pay stubs or bank statements.
You have the option to, but it is not mandatory, to reveal alimony, child support or separate maintenance income on your Loan Request Form.
IMPORTANT INFORMATION ABOUT TRIBAL LENDING ENTERPRISES
In this section, “TLE” refers to a Lender owned and operated by a federally-recognized Native American tribal government. TLEs can request exemptions from state licensing and usury limits by utilizing tribal immunity or bank preemption.
You understand and consent that a Tribal Lending Entity (TLE) may approve your Loan Request. You admit and consent that the rates and fees provided by TLEs could be higher compared to those offered by bank Lenders or state-licensed Lenders. Should you choose to take out a loan from a TLE, you may need to consent to settling any disagreements in a tribal court.
We might offer hyperlinks to external websites or resources solely for your convenience and reference purposes. We do not support or hold accountability for the accessibility of these external websites or resources, or for any content, advertisements, products, or other materials found on or accessible from these external websites or resources. You are responsible for your interactions with the owners or operators of external websites or resources, and the consequences. You explicitly give up any right to make a claim against us in relation to your utilization of external websites or resources.