Terms of Use

Our Company doing business as CashAdvanceLocal.com (“CashAdvanceLocal.com” or “we” or “our”), owns and operates the website located at CashAdvanceLocal.com (the “Site”). CashAdvanceLocal.com provides and maintains this Site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use. By accessing and using the Site, you accept and agree without limitation to the following:

PRODUCTS AND SERVICES

CashAdvanceLocal.com is not a lender and is responsible for any lending product advertised or offered to you. All products or services advertised here or offered to you are the sole responsibility of their respective lenders or service providers.

ESIGN CONSENT

You agree that clicking “Get Cash Now” (or other such button presented to you to submit your loan request) acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse action that a lender might send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.

LOAN REQUEST ACCEPTANCE POLICY

CashAdvanceLocal.com reserves the right at any time after receipt of your loan request to accept or reject your request for any reason. CashAdvanceLocal.com may require additional information or verification before your loan request is accepted. When your loan request is accepted, you will be matched with a lender for further consideration based on the lender’s policies and procedures, but it does not mean your loan request has been approved. Loan approval is solely the lender’s decision. CashAdvanceLocal.com is not responsible for loan requests that are rejected or for a lender’s decision not to fund a loan.

CREDIT REFERENCES

You agree and expressly authorize the third party lender you are matched with to share among its affiliates, loan servicers, and bank partners any transaction history related to your financial products or services received or serviced through the third party lender or other service providers for the purpose of evaluating you for credit.

RESTRICTIONS

You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.

COMPLIANCE WITH LAWS

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your acceptance or purchase of products or services through this Site’s third party vendors. CashAdvanceLocal.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities. If CashAdvanceLocal.com becomes aware of any potential or suspected violation of these Terms of Use or its Privacy Policy, CashAdvanceLocal.com may (but is not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action. During such investigation, CashAdvanceLocal.com may suspend services to any customer being investigated and may delete data from CashAdvanceLocal.com’s servers in order to prevent or minimize further violations. You agree to cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject you to criminal or civil penalties.

INTELLECTUAL PROPERTY

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Site is the intellectual property of CashAdvanceLocal.com, its licensees, or other third parties who have authorized use of such properties on the Site.

You have permission to view and make copies of documents, pages, images or other materials or content on this site for the sole purposes of requesting a loan. CashAdvanceLocal.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any documents, pages, images, materials or content without CashAdvanceLocal.com’s prior written consent. Nothing contained on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property right.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

CashAdvanceLocal.com uses commercially reasonable efforts to ensure that the information on this Site is accurate but accuracy is not guaranteed. CashAdvanceLocal.com makes no representations regarding your use of this Site or results that you may or may not obtain through such use.

NEITHER CashAdvanceLocal.COM NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.

THIRD PARTY CONTENT

This Site may contain links to websites maintained by third parties. CashAdvanceLocal.com is not responsible for the content or privacy policies of third party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the product or service offered or any third parties associated with those websites.

PRIVACY

CashAdvanceLocal.com’s Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through this Site. The Privacy Policy sets out your rights and CashAdvanceLocal.com’s responsibilities regarding your personal information. CashAdvanceLocal.com will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. CashAdvanceLocal.com reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you. Modifications to the Privacy Policy are effective when posted and your continued use of this Site signifies your acceptance of such modifications.

SECURITY

CashAdvanceLocal.com uses secure technology to protect your personal information. Although CashAdvanceLocal.com takes commercially reasonable measures to secure your personal information submitted through this Site, CashAdvanceLocal.com cannot guarantee that your information will not be intercepted or decrypted by others. So long as CashAdvanceLocal.com uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.

SITE USE

CashAdvanceLocal.com does not charge you any fees for your use of this Site. CashAdvanceLocal.com is not (1) your agent, (2) the agent of any solicitor or issuer of consumer loans or (3) the agent of any supplier or vendor used in the evaluation of your loan request or other use of this Site. CashAdvanceLocal.com may receive compensation from lenders and other third parties in exchange for goods or services offered to such parties that may or may not relate to your use of this Site.

LAW AND VENUE

By using this Site or engaging with CashAdvanceLocal.com in any way, you consent to the laws and jurisdiction of the state of Nevada. These Terms of Use and the Privacy Policy also will be governed by and construed in accordance with the laws of the state of Nevada, without regard to conflict of law provisions. Any legal action brought against CashAdvanceLocal.com (which must be via binding arbitration as set forth below) will be governed by the laws of the state of Nevada and you agree that the sole jurisdiction and venue for disputes resolution will be in Clark County, Nevada.

BINDING ARBITRATION

Should any dispute arise as to the interpretation of any term or provision of these Terms of Use or with regard to any of your dealings CashAdvanceLocal.com or with any lender you borrow from as a result of CashAdvanceLocal.com’s service, those issues shall be decided by binding arbitration. Arbitration proceeding shall be conducted under the applicable rules of the American Arbitration Association or JAMS in Clark County, Nevada. The decision of the arbitrator shall be final and binding on both parties. The prevailing party shall be entitled to recover the cost of arbitration, travel expenses, expert testimony, travel expenses of experts, and all other expenses reasonably incurred in bringing or defending an arbitration claim, from the other party unless otherwise prohibited by law.

MODIFICATION

CashAdvanceLocal.com reserves the right to modify these Terms of Use from time to time and without notice to you. Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.

INDEMNIFICATION

By using this Site, you agree to indemnify, defend and hold harmless CashAdvanceLocal.com, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site.

VIOLATION OF THE TERMS OF USE

By using the Site, you understand and agree that CashAdvanceLocal.com in its sole discretion and without prior notice may terminate your access to this Site and to any services offered, and may remove any content you have provided if CashAdvanceLocal.com believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, or that such content may be disruptive, offensive or in violation of applicable laws.

CLASS ACTION WAIVER

ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR CashAdvanceLocal.com WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY.

MISCELLANEOUS

All rights not expressly granted to you are reserved to CashAdvanceLocal.com. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation thereof. CashAdvanceLocal.com’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

CONTACT INFORMATION:

Phone: 866-971-7538
Email Address: support@CashAdvanceLocal.com

INFORMATION FOR ISPs:

Website: www.CashAdvanceLocal.com
Email Address: support@CashAdvanceLocal.com

PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR LOAN APPLICATION STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY. CashAdvanceLocal.com IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.

Notice and Take Down Procedures

If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below) and providing the following information:

Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (for example, the URL) of an authorized version of the work.
Identification of the material that you believe to be infringing and its location. Please describe the material, and provide a URL or any other pertinent information that will allow location of the material.
Your name, address, telephone number and email address.
A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner, its agent, or the law.
A statement that your submission is accurate and that "under penalty of perjury" you are the copyright owner or the owner’s authorized agent.
A signature or the electronic equivalent from the copyright holder or authorized agent.
Send the above information to:

Legal Department
Email Address: legal@CashAdvanceLocal.com

For all email submissions please include the subject line: DMCA Takedown Request.

Copyright 2017 © All Rights Reserved

Cash Advance Local - United States

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Important Disclosures. Please Read Carefully.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where CashAdvanceLocal.com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. CashAdvanceLocal.com is not a lender and does not make loan or credit decisions. CashAdvanceLocal.com connects interested persons with a lender from its network of approved lenders. CashAdvanceLocal.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. CashAdvanceLocal.com receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, CashAdvanceLocal.com’s service is always free to you.

CashAdvanceLocal.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to CashAdvanceLocal.com, you are giving lenders in CashAdvanceLocal.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. CashAdvanceLocal.com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments May Affect Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Lenders are required to follow the Fair Debt Collections Practices Act and related state law when collecting money from you.