Terms of Use Agreement for All Services and the Website

Cash Loans Experts requires that you carefully read, understand, and agree to the following Terms and Conditions outlined in this Terms of Use Agreement ("Agreement"). By accessing, browsing, or using this website ("Website"), or by utilizing the goods, facilities, or services provided through the Website or alternative methods (such as telephone, mail, text, email, or facsimile), you acknowledge and agree to be bound by these Terms of Use. If you do not agree to these terms, you are not authorized to access or use the Website and must discontinue doing so immediately.

For the purposes of this Agreement, "You" or "Your" refers to the individual(s) using the Website or the goods, facilities, or services offered by Cash Loans Experts ("Site" and/or "Services") and its network of affiliated companies, including individuals providing information about themselves to Cash Loans Experts and its associated banks, lenders, financial institutions, providers, and brokers. Cash Loans Experts is licensed as specified in the Disclosures section, which is incorporated into this Agreement by reference.

The disclosures and consent required under certain state laws are deemed to be provided, received, and agreed to by your use of the Website.

Cash Loans Experts reserves the right to change or discontinue any aspect or feature of the Website, as well as to modify these Terms of Use or any part thereof, at any time. Such changes, modifications, additions, or deletions will become effective immediately upon posting. Your continued use of the Website or its services constitutes acceptance of these changes. The Website and services are intended for individuals aged 18 or older and residing in the United States.

1. Consumer Information Security Policy

Cash Loans Experts’ Consumer Information Security Policy, incorporated herein by reference, outlines the policies applicable to the collection, handling, and protection of information obtained through the Website or directly from you.

2. Loan Request Services

Cash Loans Experts provides secured installment loan options. Note: Under contracts between Cash Loans Experts and third parties within its network, Cash Loans Experts may receive information about your loan request, including but not limited to the requested amount and disposition. By using Cash Loans Experts’ services, you grant express written consent for Cash Loans Experts and third parties to share your personally identifiable information for purposes such as litigation, regulatory or law enforcement requests, internal analytics, or marketing.

Terms Applicable to Loan Request Services:

• You are responsible for evaluating which loan product or terms best suit your financial needs. Cash Loans Experts is solely responsible for its services, and you agree that Cash Loans Experts will not be liable for any damages or costs arising from your use of its services.

• Loans are available only to residents of states where Cash Loans Experts is licensed or authorized to operate. Cash Loans Experts reserves the right to discontinue, suspend, or terminate any loan offering in any state at its discretion.

• By submitting a loan request or clicking any button indicating acceptance of terms, you consent to receive disclosures and communications electronically and agree to the stated terms of the submission. You also acknowledge that Cash Loans Experts may access your credit file, even if your Social Security Number is not provided, for purposes such as assessing your creditworthiness and providing personalized recommendations.

3. Copyright, Trademark, and Service Mark Notices

All content on the Website, including trademarks, copyrighted materials, and proprietary information, is protected by applicable intellectual property laws. This includes the Cash Loans Experts name, logo, tagline, service marks, trade dress, graphics, images, text, layout, and other unique features that distinguish Cash Loans Experts. Unauthorized use of these elements, such as reproducing the Cash Loans Experts logo for commercial purposes or copying proprietary graphics without express written permission, is strictly prohibited. Users are not permitted to replicate, redistribute, or exploit any Website content for commercial or public purposes without obtaining prior approval from Cash Loans Experts Cash Loans Experts. Unauthorized use of Cash Loans Experts’ marks, trade dress, or copyrighted materials is prohibited unless explicitly permitted in writing. No element of the Website may be copied, redistributed, or exploited without Cash Loans Experts’ express written consent.

4. Disclaimers and Liability

Cash Loans Experts strives to ensure the accuracy and reliability of the information provided on the Website. However, users should be aware that errors or omissions may occur. For example, information on loan terms might occasionally be outdated due to changes in state or federal regulations, and typographical errors could appear in the content or calculations presented on the Website. While Cash Loans Experts endeavors to rectify such issues promptly, it disclaims liability for any inaccuracies, omissions, or reliance on the information provided. All information, software, products, and services are offered "AS IS" without any warranties, express or implied. Use of the Website and its services is entirely at your own risk.

Limitation of Liability: In no event will Cash Loans Experts, its suppliers, or its participants be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising from the use or inability to use the Website, including but not limited to reliance on information obtained through the Website. However, all information, software, products, and services are provided “AS IS” without any warranties, express or implied. Cash Loans Experts disclaims liability for any errors, omissions, or damages arising from the use of the Website or services. Use of the Website and its services is at your own risk.

Limitation of Liability: In no event will Cash Loans Experts, its suppliers, or its participants be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising from the use or inability to use the Website, including but not limited to reliance on information obtained through the Website.

5. Electronic Communications and Notices

By using the Website, you consent to receive communications electronically. These communications may include loan updates, account-related notifications, promotional offers, and disclosures required by law. Cash Loans Experts will send these communications via email, text messages, or through other electronic means, based on the contact information you provide.

You have the right to opt out of receiving promotional communications by following the unsubscribe instructions included in such messages or by contacting Cash Loans Experts’ Customer Service Department at (888) 812-1076 or by emailing contact@cashloansexperts.com. However, opting out of promotional messages will not affect your receipt of essential communications related to your account or loan inquiry.

To access and retain these electronic communications, you must have an internet-enabled device and compatible software. You may request paper copies of any electronic documents by contacting Cash Loans Experts, though additional fees may apply in some cases. This includes notices, disclosures, and updates related to your loan inquiry or account. To access and retain these electronic communications, you must meet certain technical requirements, including having an internet-enabled device and compatible software.

You have the right to request non-electronic copies of documents by contacting Cash Loans Experts directly.

6. Privacy Policy

The Cash Loans Experts Privacy Policy, incorporated by reference, governs how your personal information is collected, used, and shared.

7. Accessibility Statement

Cash Loans Experts is committed to ensuring that its website is accessible to all individuals, including those with disabilities. If you experience any difficulty accessing any part of the Website, please contact Cash Loans Experts to request assistance. Cash Loans Experts will provide information or services in an accessible format upon request, in compliance with applicable laws and regulations.

8. Indemnity

You agree to indemnify and hold Cash Loans Experts harmless from any liabilities, expenses, or damages resulting from your use of the Website or services, including, but not limited to:

• Misuse of the Website, such as unauthorized access or distribution of proprietary information.

• Violation of this Agreement or applicable laws and regulations, including state or federal lending laws.

• Claims arise from inaccurate or misleading information you provide.

This indemnification applies to any claims brought by third parties, including legal fees incurred by Cash Loans Experts in defending such claims.

9. Limitation on Damages

Cash Loans Experts’ liability to you will not exceed actual compensatory damages. You waive the right to claim consequential, punitive, or exemplary damages, even in cases where such damages might otherwise be recoverable under applicable law. For example, this limitation applies to claims arising from inaccuracies in loan information, delays in service, or interruptions to Website access.

10. Links to Third-Party Websites

The Website may contain links to third-party websites for your convenience. Cash Loans Experts does not endorse, control, or assume responsibility for these external websites. Examples of potential risks include inaccurate loan calculators, outdated financial information, or technical issues that compromise data security. Use of third-party websites is entirely at your own risk, and Cash Loans Experts encourages users to review the terms and privacy policies of any linked sites.

11. Dispute Resolution

All disputes arising from or related to the use of the Website or Cash Loans Experts’ services will be resolved through binding arbitration under the rules of the American Arbitration Association (AAA). Arbitration will occur in a location convenient for the consumer, and decisions rendered by the arbitrator will be binding and enforceable in court.

Class Action Waiver: You waive your right to participate in class actions or other consolidated proceedings. This includes disputes related to Website inaccuracies, loan agreements, or the collection and use of personal data.

12. Other Terms

This Agreement constitutes the entire agreement between you and Cash Loans Experts, superseding all prior agreements. If any provision is deemed invalid, the remaining provisions will remain enforceable. This Agreement is governed by the laws of the State of California.

RETENTION OF AGREEMENT: PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS. EXAMPLES OF CIRCUMSTANCES WHERE YOU MIGHT NEED THIS AGREEMENT INCLUDE LOAN DISPUTES, REGULATORY REVIEWS, OR PERSONAL RECORDKEEPING.