1. TERMS OF USE FOR ALL OUR WEBSITES

Please read our Terms of Use in conjunction with our Privacy Policy. Together they form the “Agreement” into which you enter by using our websites.

In this Terms of Use, “we”, “us” or “our” refers to PaydayLoanSolutions.net. “You” and “your” refers to any person accessing the website and any goods, services, products, tools and forms offered therein.

For the purposes of these Terms of Use, the term “Website” or “Websites” includes any and all of the following indirect methods of accessing the services offered by PaydayLoanSolutions.net:

*Website or websites;

*Telephone;

*Postal mail;

*E-mail; and

*Facsimile.

PaydayLoanSolutions.net owns and operates this Website. To use this website, you must be a resident of the United States (including its territorial possessions) and at least eighteen (18) years of age to access.

By accessing, browsing or using this website, or any other website owned or operated by PaydayLoanSolutions.net relating to cash, credit lines, finance, payday loans or any other financial products or services, or any page thereof, through any direct or indirect means, or by using the goods, services, products, tools and forms offered in or through the Websites you accept and agree to be bound by these Terms of Use.

SECTIONS 5 AND 8 OF THIS AGREEMENT CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY.

These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.

PaydayLoanSolutions.net reserves the right to change or discontinue any aspect or feature of the Websites it owns and operates at any time. It also retains the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, the Privacy Policy or any part thereof. Such changes, modifications, additions or deletions shall be effective immediately upon posting on the Websites. The date from which the terms and conditions are effective will be shown in the “last updated” date shown at the top of the page, which will be applicable to whichever page you are viewing at that time. We strongly recommend that you check the “last updated” date at the top of the Terms of Use and Privacy Policy regularly so you can be kept abreast of any changes to either or both these documents. Any and all use or continued use by you of the Websites or the goods, services, products, tools and forms offered in or through the Websites following such posting shall be deemed to constitute acceptance of such changes.

2. PRIVACY POLICY

Please review our Privacy Policy, which is hereby incorporated by reference into this Agreement, for a detailed explanation of how we collect, store and share information you give to us either by direct submission or through use of our websites. By accessing or using the Websites, you consent to the collection, storage, use and disclosure of your information as described in the Privacy Policy then posted on such Websites, including sharing your information with selected third parties and affiliated companies.

3. TOOLS AND SERVICES USED TO MATCH YOU WITH LENDERS

This Website offers you, the user, a range of tools and services to help you find a loan, credit line, shopping card or other products featured on our Website, all of which are provided by third parties unaffiliated with PaydayLoanSolutions.net (known collectively as “Lenders”). For the purposes of this Agreement, “Lenders” include lenders, PaydayLoanSolutions.net’s marketing partners, and affiliates or finders of Lenders, with whom we may share your information (as described in our Privacy Policy) for the purpose of helping you to find a loan. You may be able to access these products and services when you complete a request and are either (i) matched with potential Lenders who will respond with conditional offers for products or services, or (ii) provided with the name and information about potential Lenders who may able to respond with the requested products or services or information about the requested products or services without making any offers of a loan. The Lenders that can provide you with conditional offers may not respond with offers until they obtain additional information that they will request from you directly. You may not be matched with the Lender making any specific offer.

Although PaydayLoanSolutions.net is compensated by its network of Lenders when we display advertisements for their products to you and/or when you respond to an offer for a loan or other product from a Lender on our Website, PaydayLoanSolutions.net is not in itself a lender, nor is it acting as a lender or broker and does not make loans or credit decisions in connection with loans. Such compensation from a Lender to PaydayLoanSolutions.net.net is payment for PaydayLoanSolutions.net.net’s services, tools and facilities that enable them to make contact with you, the user. Your use of the Websites and/or PaydayLoanSolutions.net.net’s services constitutes your agreement with this compensation arrangement between PaydayLoanSolutions.net.net and Lenders.

PaydayLoanSolutions.net does not endorse or recommend the products of any particular Lender. PaydayLoanSolutions.net is not an agent for you or any Lender. PaydayLoanSolutions.net’s services are purely administrative. You should rely on your own judgment or seek financial advice when deciding which available loan or other product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for the products and services it offers, and you agree that PaydayLoanSolutions.net shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. By using our Websites, you understand that Lenders may keep your loan request information and any other information provided by PaydayLoanSolutions.net or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you obtain a loan with them, in line with their own policies. You agree to notify any particular Lender directly if you no longer want to receive communications from them. PaydayLoanSolutions.net is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

The Websites and the services provided by PaydayLoanSolutions.net may not be available in all states, and the availability of such services and the products offered on the Websites may change from to time without notice. PaydayLoanSolutions.net may not be held liable for any losses to you arising to withdrawal of a service that has previously been offered. Residents of Georgia, Virginia and West Virginia are not eligible to apply for a payday loan or cash advance on this Website. Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the Websites. Lenders may discontinue, suspend or terminate the offering of any loan or other product in any specific state through the Websites at any time, without prior notice. We are not responsible for the content of Lenders’ websites, the services they offer or any changes to those services.

None of the data or personal information you may provide to us is, or is it treated as, a loan application, a request for pre-approval, prequalification or any similar seervice concept. PaydayLoanSolutions.net does neither guarantees nor suggests that acceptance by any particular loan provider or specific loan terms or conditions with any Lender would be guaranteed; the standards to be met in order for approval to be given are established and maintained solely by individual Lenders. PaydayLoanSolutions.net makes no guarantee that any loan terms or rates offered and made available by Lenders accessed through the Websites are the best terms or lowest rates available in the market. A Lender’s offer may be subject to market conditions, approval and qualification. Your complete credit profile, income/asset considerations and other considerations including, but not limited to, loan-to-value and debt-to-income ratios my affect the rates and fees actually provided by lenders and may be higher or lower depending on your personal circumstances. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products to all users, as well as not offer products in all states. On the basis of the information you provide, you might not be matched with the Lender making any specific offer.

To help the federal government fight identity theft, funding of terrorism and money laundering activities, and to help to verify your identity, Lenders may obtain, verify and record information that identifies each person who opens an account with us and with them. In order to ensure proper identification of you, our Lenders and we may ask for your name, Social Security Number or driver’s license number, address, date of birth, and other important information. During the Lender application process, the Lender may also request additional information from you. PaydayLoanSolutions.net does not pull credit reports on customers or engage in loan processing. We also do not collect “experience” information (such as a customer’s account history with a lender) as defined in the Fair Credit Reporting Act. PaydayLoanSolutions.net does not charge you a fee for the lender-matching service it offers.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing, or submission (“submission”), you are providing your electronic signature and in so doing you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a loan or other product through PaydayLoanSolutions.net to each of the Lenders to whom your loan request is transmitted. Submission of any loan request containing your electronic signature entails your express agreement and invitation to contact with you by telephone by each Lender with whom you have been matched by telephone. By providing your electronic signature you are entering into an agreement in which you hereby consent to receipt of such calls even if your number is entered on any Do Not Call list, or by e-mail at the e-mail address you have given for that purpose or at another address that may be associated with you that we receive from Lenders or other parties, and you hereby consent to any and all such email, which will not be considered spam or unauthorized communication by any local, state or federal law or other regulation. For any service, you represent that all of the information you have provided in your submission and loan request is true, accurate and complete.

PaydayLoanSolutions.net seeks to provide you multiple conditional loan offers through its network of unaffiliated Lenders. By submitting information on a loan request form, quiz or similar form, you authorize PaydayLoanSolutions.net to provide such information to Lenders in the PaydayLoanSolutions.net network to help you complete your loan request. You also authorize such Lenders, if they deem necessary to help you complete your loan request, to request from one or multiple credit bureaus/reporting agencies, your credit bureau report, including any ancillary credit scores or ratings, and to check your credit and employment history. Additionally, by submitting a request for a loan or other product, you authorize the Lenders to verify the accuracy and authenticity of all information supplied by you (including employment status and income information) both internally and with the assistance of unaffiliated third parties.

In order to ascertain which Lenders may be suitable for you, Lenders provide to us criteria such as the type of loan (for example, loan amount) and the type of loan customer (for example, state of residence) in which the Lender has an interest. PaydayLoanSolutions.net will provide your information to Lenders whose criteria match your profile. In cases where it is discovered that you are unsuitable according to certain Lenders’ criteria or your their products are unavailable to you for any reason, you also give us authorization to share your information with other Lenders whose criteria match your profile and whose products we believe might be of help to you.

4. PROPRIETARY RIGHTS AND LICENSES

You are hereby granted a limited, non-transferable, non-sublicensable, non-exclusive, revocable license to use and display the contents of the Websites on a single computer solely for your personal, non-commercial use to find loans and other products or services featured on the Websites. All other rights are hereby reserved. PaydayLoanSolutions.net and the names of the Websites (including their URL’s) are service marks owned by PaydayLoanSolutions.net. Other product and company names mentioned herein, including the names of Lenders, may be the trademarks of their respective owners. Nothing on the Websites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, “Mark” or “Marks”) displayed on the Websites, without the prior written permission of PaydayLoanSolutions.net or the applicable Mark holder specific for each such use. The Marks may not be used to disparage PaydayLoanSolutions.net, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks.

The Websites contain copyrighted material, trademarks and other proprietary information of PaydayLoanSolutions.net and/or its Lenders, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. PaydayLoanSolutions.net owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works of, or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of PaydayLoanSolutions.net and the copyright owner (if different from PaydayLoanSolutions.net). Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.

We grant you a revocable right to create a link to the home page of this Website. You will not state or imply that you or any website on which you place such a link, or any of its pages, are endorsed by, sponsored by or affiliated or associated with this Website or PaydayLoanSolutions.net. Nor may you make any representations or warranties, express or implied, with respect to this Website or any products or services available hereon, or any statements that are inconsistent with the Agreement.

5. DISCLAIMERS AND LIMITATIONS OF LIABILITY

PaydayLoanSolutions.net is committed to ensuring that the information contained in its Websites is reliable and accurate; however, it accepts that errors sometimes occur. In addition, PaydayLoanSolutions.net may make changes and improvements to the information provided herein at any time. Under no circumstances will PaydayLoanSolutions.net be liable for any loss or damage caused by your reliance on information obtained through the Websites. Ensuring the accuracy, usefulness or completeness of any information, opinion, advice and any other content is your reponsibility and not the responsibility of PaydayLoanSolutions.net.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.” PAYDAYLOANSOLUTIONS.NET AND/OR ITS LENDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, FREEDOM FROM VIRUSES AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR PAYDAYLOANSOLUTIONS.NET’S SERVICES IS AT YOUR OWN RISK. PAYDAYLOANSOLUTIONS.NET AND/OR ITS LENDERS AND SUPPLIERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR PAYDAYLOANSOLUTIONS.NET’S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES (INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES), OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL CODE OR COMPUTER PROGRAMMING ROUTINES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PAYDAYLOANSOLUTIONS.NET AND/OR ITS LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

6. INDEMNITY

By using these Websites and/or PaydayLoanSolutions.net’s services, you are agreeing to indemnify PaydayLoanSolutions.net and its affiliates, suppliers and Lenders, and its and their respective members, managers, directors, officers and employees, from and against any and all liabilities, expenses (including reasonable attorneys’ fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

7. LINKS TO THIRD-PARTY WEBSITES

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. PaydayLoanSolutions.net does not operate or control in any respect any information, software, products or services available on such websites, nor can it be responsible for the content of third party websites. PaydayLoanSolutions.net’s inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. PaydayLoanSolutions.net is not responsible for the accuracy or content of the information provided by any third-party website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of technologies or programs available through that website.

8. DISPUTE RESOLUTION

The Agreement shall be treated as though it were executed and performed in the Commonwealth of Pennsylvania and shall be governed by and construed in accordance with the laws of the United States of America and Commonwealth of Pennsylvania (without regard to conflict of law principles). Should a dispute arise concerning the terms and conditions of the Agreement, the breach of same by any party hereto, the Websites or any products or services provided by PaydayLoanSolutions.net, the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in Philadelphia, Pennsylvania, in accordance with the then current Commercial Arbitration rules of the American Arbitration Association. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing herein shall be construed to preclude any party from seeking injunctive relief in order to protect its rights pending arbitration or to protect its intellectual property. To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against PaydayLoanSolutions.net, its affiliates and/or their respective employees, officers, directors, members, managers, shareholders, representatives and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney’s fees and court costs that PaydayLoanSolutions.net incurs in seeking such relief. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement and does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. If any provision contained in the Agreement is determined to be invalid, illegal or unenforceable in any respect under any applicable law, then such provision will be severed and replaced with a new provision that most closely reflects the original meaning of the severed provision while conforming to applicable law, and the remaining provisions of the Agreement will remain in full force and effect. Should a dispute arise between the parties and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and PaydayLoanSolutions.net the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Philadelphia, Pennsylvania. If either party employs attorneys to enforce any right in connection with a dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys’ fees.

9. OTHER TERMS

This Agreement, constituted of the Terms of Use, Privacy Policy and any other provisions or regulations related to the use of the websites including, but not limited to, supplemental terms concerning use of specific content, material or tools contained herein, forms the agreement between you, the user, and PaydayLoanSolutions.net. This Agreement supersedes any and all other contemporaneous communications, publications, promises and proposals howsoever made between you and us with regard to the Websites and all they contain. This Agreement in printed form and any other notice given in electronic format shall be admissible in judicial or administrative proceedings relating to or based upon this agreement in whole or in part to the same extent that the documentation or records of other businesses that are maintained in printed form. The entirety of this agreement, except those terms - such as licences - which are intended by their nature to be revocable, shall survive any termination of the Agreement or destruction of the documentation.