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Terms of Use

All applications, transactions, credit decisions and your account shall be governed by all applicable Federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and you consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Lender is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of its residency. The funds will be disbursed from our account. This service does not constitute an offer or solicitation for short term loans in all states. This service may or may not be available in your particular state. The states serviced may change from time to time without notice. Regardless of where you may be viewing or accessing this site, you as the borrower are responsible for complying with any local statutory obligations that may exist in your state or area with respect to this transaction. The Federal laws and laws of the jurisdiction in which the Lender is located governing this consumer loan agreement may differ from the laws of the state where you reside. If you do not want to enter into a consumer loan agreement with us under our terms, then you should apply for a loan at a provider located in the state where you live. All aspects and transactions on this site will be deemed to have taken place at our location, and will be deemed to be regulated by all applicable federal laws and the laws and regulations of the jurisdiction in which the Lender is located.

Warning
A Payday Loan is intended as a short-term cash flow tool. It is not designed as a solution for longer-term financial problems.

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide your requested loan. Cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and local laws, and not everyone will qualify for 90 day terms. In some circumstances faxing may be required. For details, questions or concerns regarding your cash advance, please contact your lender directly.

This service is not available in all states, and the states serviced by this Website may change from time to time and without notice.

This website's loan matching service matches consumers with prospective lenders participating in this website's direct network of loan lenders ("participating lenders") for short-term loans up to $1000 (Dependent on State Regulations). Not all lenders can provide up to $1000. The operator of this website is not a lender, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender in its network. Providing your information on this Website does not guarantee that you will be approved for a cash advance or loan.

The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained by some lenders.

This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, or West Virginia, Virginia or Ohio. This service and offer are void where prohibited.

Terms and Conditions
In your Loan Agreement the words "you" or "your" mean the customer identified on front of agreement. The words "Us," "We," and "Our" mean the Lender.

Acceptance
As set forth herein, you accept the terms and conditions as outlined in this Agreement by authorizing us to make you a loan under federal laws and the laws of the jurisdiction in which the Lender is located. This Agreement is confirmation of our agreement including the terms which were available through our designated servicer, and on our website located at www.california-paydayloans.com prior to the completion of the transaction.

Further, by submitting the application form, the customer authorizes us or our designated servicer, and the customer's current verified financial institution (even if the financial institution and/or account numbers are different than those on the original application) to initiate debit (ACH or bank draft) and credit entries as necessary when an original ACH transaction is returned unpaid or unable to complete. The customer authorizes us or our designated servicer and/or assigned collection agency to submit ACH and/or bank draft debits for partial payments to allow full repayment of the cash advance and any/all associated fees to be completed. The customer authorizes us or our designated servicer to make both debit and credit entries, to and from any bank account of the customers at any institution, from time to time, for fixed and variable amounts, including recurring transactions and point-of-sale transactions, according to the terms of the customer's agreement. The customer understands and agrees that we or our designated servicer do not need to notify the customer prior to any recurring debit entry for a fixed amount, or prior to any point-of-sale debit entry initiated by the customer, or prior to any credit item.

Class Action
AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, by signing below you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our agents, servicers, directors, officers and employees. You agree to the entry of injunctive relief to stop such a lawsuit or remove you as a participant in the suit. You agree to pay the costs we incur, including our court costs and attorneys' fees, in seeking such relief. This agreement is not 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. This agreement not to bring, join or participate in class action suits is an independent agreement and shall survive the closing, funding, repayment and/or default of the loan for which you are applying.

Documentation
You agree that electronic mail, electronic forms, records, photocopies, and/or facsimile copies of the documents you submit are valid and enforceable as the original. Further, you agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all terms and conditions of the Agreement for which will be deemed valid and binding on all parties to this Agreement.

Electronic Signature/Verbal Consent
By agreeing to this application, you understand and agree to all terms and conditions of this Agreement and by submitting the online information application by Internet or by phone, you are applying for a cash advance and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of your electronic signature or verbal consent by phone, you are not presently involved in, or contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and hereby give the Lender consent to obtain information on you from a consumer reporting agency or other various means available. You understand that the Lender reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is necessary, including, but not limited to, employment and bank account verification. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you.

Assignment
We hereby reserve all rights and power to assign any of our interests in the Agreement to any successor, assignor or purchaser for value without notice or your consent.

Definitions
All terms used herein are to be defined in accordance with codes, statutes and federal laws of the United States.

Equal Credit Opportunity Act Fair Lending Notice
Regulation B: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is Federal Trade Commission Equal Credit Opportunity Washington, D.C. 20580.

Schedule of Charges
Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or APR. Below all costs, terms and rates associated with our cash advance program are given.

Use of Information and Materials
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our web sites and systems including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by us the Lender and/or its affiliates and designated servicers.

No Warranty
The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". We, the lender, do not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability
In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

By submitting the application form, you understand and agree to all terms and conditions of this Master Agreement and by submitting the online information application by Internet, you are applying for a cash advance and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of your electronic signature, you are not presently involved in, nor contemplating bankruptcy now or in the future. you authorize us to verify the information in this application and hereby give us the lender consent to obtain information on you from a consumer reporting agency or other various means available. You understand that the Lender reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, You understand verification of the information you have provided is necessary, including, but not limited to, proof of residence, employment and bank account verification. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you.