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Terms and Conditions of Use

This part describes the points of the formal agreement that includes two parties - paydayloan.network and the users of this online platform. If you are one of the users, you probably will exploit the services of this website with a view to find an appropriate lender. This agreement controls and regulates the actions and rules of using this website.

The company that owns the website paydayloan.network offers only the matching services, but not financial. We are intended to help our users to find relevant lenders. We also are aimed to bring together our applicants and our lenders, as both sides come here to find a match. The website is not able to make any decision on credit products, including giving or taking short-term loans. Moreover, we don’t represent any financial organization or business. This web resource is a searching and matching platform. However, if you are about to take a short-term loan, you will find it here for sure. We will help you to choose a good and not expensive option that will be meeting with all your requirements. If you come here to successfully receive a short-term loan, first you need to fill out the form. This form is placed on the homepage of our website.

It is highly important to read these Terms and Conditions of Use before you start to use this website on purpose to find a perfect lender. When you view and understand these terms and also look through the Privacy Policy, you are ready for the search. If applicants begin to use all services provided by the website, and lenders request for personal information, it means that they have gone through it and accepted these terms and other documents, regulating the use of the website.

Only local citizens and residents of the United States can exploit this website. They don't need to pay for the use, it is an absolutely free option. Also, this web platform is available only for users of legal age. Registering on paydayloan.network, you confirm that you are over 18 years old. Only legal adults, who live and work in the USA, get free and lawful access to the website services. However, there are some states, which are not allowed to use this online service, including Arkansas, New York, West Virginia and Vermont among others. The obstacle is the state limits and local laws of these places, that prohibit the distribution and usage of this special type of credit products as short-term lending. The list of the states is a changeable subject. You need to check information regarding the list from time to time if you are really interested in the industry. In the Rates and Fees tab, we have links to authority websites, where users can follow the up-to-date information about this list and available states.

If you do not agree with these Terms and Conditions of Use, please stop using the site right now.

Company Services

This company paydayloan.network is not a lender, as we mentioned before. It cannot make any decisions regarding short-term loans. This web platform is able only to match users with relevant loan providers. This matching service helps independent third parties to find each other. Short-term loans can increase up to $1,000 is subject to lenders’ claims. Only creditors can establish the rates, fees and the amount of loans, that they are willing to provide applicants with. This website is out of regulations and decisions considering loan terms. The company does not guarantee that applicants will be matched with the most appropriate lenders from the first time. Do not expect lenders to be focused only on your request and provide you with the perfect loan terms. First of all they all want to earn and make a profit as much as possible. It is necessary to negotiate and discuss all details of the loan agreement before signing the document. Try again if the first attempt to find appropriate lender failed. Moreover, not all lenders of the site offer short-term loans of $1,000. The average amount of granted loans is much lower.

We encourage all our applicants to remember that this short-term type of credit products is expensive, as it is usually taken in urgent cases and represented an emergency lending. If you need small amounts of cash for a not long period, it is smart and explained decision to take this type of loan. However, it is not worth to use short-term loan for more than a month. The fees and charges for extension increase also several times. If you are not sure what type of credit suits you more, it is better to get consultation of an expert before coming here. What is more, keep in mind that our website is not responsible for mistakes, promises or any cash transactions regarding the short-term loans. We are intended to bring third parties together. Moreover, our web platform has no information about the exact loan terms and rates, lenders don't provide us with their particular details of their business. We are out of any loan information.

If applicants come to our website and decide to use our matching services, it means that they totally accept all the Terms and Conditions of Use and other regulating documents of the website. Also, applicants agree that this website takes no responsibility for their financial and non-financial damages and losses associated with any communication with lenders.

The first step for newcomers on the website is registration. You need to fill out the form on the homepage and submit your personal information. There are some lines where you should enter your name, ID number, contacts, employment and financial information, SS number, and banking account details. We need to get this information, as it helps to perform search and connect you with a suitable and appropriate lender. Lenders are able to give you cash short-term loan only when they have all your personal and financial data. Federal laws request for these requirements for all borrowers. Our organization has to collect, store, use, and share this information with the third-side lenders whenever necessary. According to the Privacy Policy, we promise not to use and transfer your personal information for our own purposes. Our third parties and our website administration also submit the Responsible Lending Policies and Marketing Practices that you also can view on the website. On the other hand, all users have to understand if they start to use our website and our services, they have supposedly read, submitted and accepted all the terms of these Policies that we mentioned above. The lenders first can see only a part of all personal information about you that they need to make a choice. If they decide to give you a short-term loan, they contact you and make an offer. Then, your turn, if you also accept their terms of the loan, you open up the rest of financial and personal information that they need to make the loan agreement. The last step is to read well and sign the loan agreement by both sides. Lenders can share your information only in business purposes, they can give it to marketers, who can find other more profitable offers for you or promote your resume among others.

Loan providers can use your personal information only for special purposes and with your permission. They can share your SS number and other personal data to prove your credibility and verify your credit status. It can help you to find more offers and to make better conditions of the loan agreement, in case you have reliable and spotless credit history.

Our company does not have any guarantees and does not promise to provide you with the best match, even if you have a good financial status. We cannot decide for third parties, they are absolutely independent side. Lenders usually make decisions by their own. Also, if the applicant wants to give more the detailed information associated with credit and financial products, he needs to ask lenders directly by email or phone number. Our website is not available to explain you something regarding short-term loans and other lending details, as we said it before.

Authorized Use and Property Rights

Only the applicants, who have signed up on the website and thereby agreed with these Terms and Conditions of Use, are able to use the website’s services and products. When the applicant accepts this document, he concurs with the remaining provisions and regulations regarding the owning company assets. To become an official member of the website, you need to register by filling out the form that is located on the homepage of the website. The website’s organization declares its property rights under the law. Their content and all the website’s information are protected by the copyright law. It means that no one can use any article, tool, service or other resources for private purposes or for making money on it. Copying of site resources is prohibited and illegal. Users who violate the terms and conditions, may be punished under state law. The website in general and in particular belongs to the company, that only has all rights to the website and all its assets.

The Intellectual Property Laws of the United States govern and protect the property of actual owners. Even the registered participants of this web platform are not allowed to make copy, resell, reproduce and transfer any information relative to this online resource with the profit-oriented objective. All these actions will be considered illegal as all of them are strictly forbidden by this formal document.

Disclaimer of Warranties

THE ORGANIZATION REPRESENTED BY THIS ONLINE RESOURCE OFFERS A RANGE OF OPPORTUNITIES FOR LOANEES. ALL USERS, WHO ARE IN LEGAL AGE OVER 18 AND WITH RESIDENT STATUS IN THE US, CAN START USE THE WEBSITE SERVICES ANY TIME. IT IS IMPORTANT TO READ CAREFULLY THE WHOLE DOCUMENT, AS USERS HAVE TO UNDERSTAND THE RULES OF THE EXPLOITATION. WHEN AN APPLICANT EXPLOITS THE SERVICES OF THIS ONLINE PLATFORM, HE ACCEPTS ALL THE POSSIBLE RISKS. THE USER SHOULD UNDERSTAND THAT THE OWNING ORGANIZATION IS NOT A CREDITOR, THEREFORE, IT DOES NOT TAKE RESPONSIBILITY AND LIABILITY FOR ACTIONS AND ARRANGEMENTS OF THIRD PARTIES. WE DO NOT PROVIDE APPLICANTS WITH WARRANTIES AND GUARANTEES OF THE DONE WORK. THIS ONLINE SERVICE IS DEVELOPED TO MATCH LENDERS WITH APPLICANTS. HOWEVER, THERE IS POSSIBILITY THAT AN APPLICANT CAN NOT FIND APPROPRIATE LENDER AND VICE VERSA. DO NOT COUNT ON OUR PROMISES AND SUGGESTIONS. THE FINAL DECISION DEPENDS ON THE APPLICANT’S CHOICE AND PREFERENCES. LENDERS MAKE FINANCIAL DECISIONS ABOUT ISSUING SHORT-TERM LOANS ONLY INDEPENDENTLY WITHOUT OUR INTERVENTION. THAT IS REASON, WHY WE CANNOT HELP OUR USERS OUT WHEN THEY COME ACROSS ANY ARGUMENTS WITH THEIR LENDERS. WE ARE NOT ALLOWED TO MAKE ANY FINANCIAL OR NON-FINANCIAL DECISION ASSOCIATED WITH LOAN TERMS OR OTHER CONDITIONS. WE ALSO CANNOT GIVE ANY PROMISES THAT THE RESULTS WILL MEET ALL THE REQUIREMENTS OF THE APPLICANTS. WE ARE NOT ABLE TO GUARANTEE THAT THE THIRD-PARTIES’ SOFTWARE OR WEB TOOLS ARE ABSOLUTELY FREE-ERROR AND SECURE. THE COMPANY TRIES TO CHECK NEW LENDERS AND ADDITIONAL SOFTWARE ALL THE TIME, AND THE WEBSITE PROMISES TO CORRECT THE ERROR REGARDING THE WORK OF THE MATCHING ONLINE SERVICE AS SOON AS POSSIBLE. NO ANY WARRANTY. THE WEBSITE HAS LINKS TO THE LENDER’S SITES. OUR WORKERS DO NOT VERIFY ALL OF THEM. THAT IS WHY, WHEN YOU GO TO THE LINK, IT WILL BE YOUR PERSONAL RISK AND RESPONSIBILITY. ALSO, THE WEB PLATFORM IS NOT LIABLE FOR LOSSES OF APPLICANTS, ARISING AFTER INSECURE ACTIONS.

Limitation of Liability

THE COMPANY DECLARES ITS PRIVACY POLICY. ACCORDING TO PRIVATE RIGHTS, THE ONLINE ORGANIZATION IS ABSOLUTELY FREE OF ANY RESPONSIBILITY FOR DAMAGE OR DISPUTE THAT ARISES THROUGH THE FAULT OF A LENDING ORGANIZATION. THE WEBSITE TAKES ALSO NO RESPONSIBILITY FOR ALL TYPES OF LOSS. IN CASE, WHEN AN APPLICANT GOT HARMFUL DUE TO THE EXPLOITATION OF THE WEBSITE SERVICES, THE OWNING ORGANIZATION IS NOT LIABLE FOR THAT INCIDENT. ON THE OTHER HAND, IF THE APPLICANT HAS DAMAGED BECAUSE OF THE LENDER’S ACTIONS OR THE PROVISIONS OF THE LOAN AGREEMENT HAVE NOT DONE WELL BY THE CREDITOR’S SIDE, WE ARE OUT OF RIGHT TO CONTRIBUTE OR HELP YOU SOMEHOW.

THERE ARE THE STATE LAWS THAT DO NOT ALLOW THE EXCEPTION OF CERTAIN GUARANTEES. THE LOSSES, ARISING FROM PARTICULAR INCIDENTS OR CONSEQUENCES, SHOULD BE RECOVERED. THEREFORE, THE OWNING ORGANIZATION CONTROLS AND ADJUSTS RESPONSIBILITY FOR THE EXTENT PERMITTED BY LAW.

Implication of Privacy Policy in Marketing Activity

The website officially declares the possibility of using personal information of its applicants in marketing purposes. When a user registers entering his private details in an online form, the organization of the website is allowed to compile, accumulate, store and share user’s data with lenders and marketers. There is no chance that this private information will use for commercial or illegal purposes. The web platform defends the private data of individuals, according to the Privacy Policy provisions. If users want to exclude their data from our database, they need to direct an email request to the website’s support service. The excluding process of the users’ private data from third-side database is more complicated, as it requires to contact third-party organizations directly.

Third Part Websites

On the website, you can find some links that go to the lenders’ official web pages. The lenders are third-party organizations that provide the website with offers of their products. We cannot completely protect our users from possible damage or loss from third parties, as we cannot absolutely confirm their safety. The company does not carry obligations for the third parties. That is a reason, why the website is not liable for the any information, containing on the web pages of loan providers. Going to the links, you take the whole package of the liability for the actions and it’s consequences.

Disputes

Disputes, causing as a result of the exploitation of the site, are regulated and controlled by clauses of legislation, that authorizes the company actions and services. The majority of disputes are considered strictly and are issued in the form of a formal complaint. The complaints should be directed to arbitration in the relevant institution, authorized to resolve such cases regarding state and Federal regulations. All applicants have to accept, that they confirm these Terms and Conditions of Use by signing the loan agreement. Moreover, they accept that fact that they absolutely refuse the right to represent themselves in person or by legal counsel in any court, and the users promise not to join collective actions against the owning organization.

The amount of compensatory damages in disputes shall be appointed by an arbitrator authorized by the American Arbitration Council to monitor the above-mentioned disputes. This number of damages should not exceed the number claimed by the complainant (applicant). In addition, the arbitrator shall not be entitled to award punitive, incidental or consequential damages, because users refuse to claim liability for that. The decision of the Arbitration court is mandatory for all users, however the organization has the right to file a claim in another court within the jurisdiction of consideration the same cases.

If a user does not accept the arbitration clauses, he should request the organization (paydayloan.network) within 10 days after signing this document via post service. Do not forget to write down the personal details, such as full name, valid contacts, address and the statement - “I reject the arbitration clause stated on the website of the organization on the Terms and Conditions of Use page” - in the letter. If the user refuse a provision, he can send the request to any court within one year after the damage determination. All claims will be declared invalid at the expiration.

Export Restriction

There is a list of countries, whose residents are not allowed to exploit this web platform. The reason is an embargo. This list includes the Arab World, such as Syria, Iraq, Libya, Sudan and, also, North Korea with Cuba among others; since the US government has banned export and import to these states.

Moreover, another specific category of the users, who belong to US Treasury Department’s list Specially Designated Individuals or US Commerce Department's Table of Denial Orders, is not available for the using this website either.

Indemnification

If an applicant continues to exploit this web platform with any purpose, it will be considered as indemnification to the owning organization and all its parts and members as no-damage. Additionally, the applicants have not to submit any claims in the following cases: i) when a user exploits the online platform in wrong way ii) when a user breaks these Terms and Conditions of Use iii) when an user is in dispute with a third-party organization.

Complete Agreement

Bringing all clauses and parts of these Terms and Conditions of Use together, we have the complete agreement that regulates business relationship between the users and the website organization. Both sides need to accept these provisions and terms and follow them in any case, which determines the whole meaning of the regulations. This agreement cancels all previous provisions and notifications. The violation of any clause or term of the full agreement does not override other provisions that continue to operate in that case.

Modifications and Updates

All these Terms and Conditions of the Use can be changed, modified and updated at any time without prior informing and noting due to the company’s rights. The modifications and amendments begin to act instantly, we always place them on our website to keep our users informed. We also use another way to notify applicants by sending the information about updating via email or other media methods within the terms of Privacy Policy.

Severability and Termination

There is a little possibility that the clauses of this document will be expired or contradict the governing regulations. The company administration detaches these unlawful provisions by canceling their operation. Nevertheless, it does not annul the action of other parts and validity of the entire document.

If an applicant violates or breaks any term of the document or rule of the usage of this online resource, the owning organization has authority under its discretion to forbid or cancel his access and exploration of the web platform at any time. On the other hand, when applicants want to get rid of the power of any formal document, they have to stop using the website. However, the operation of the other terms and regulations will be contained.

Headings

All titles that you can find in this document do not impact on the meaning of the Terms’ content. The headings do not cancel or change to any extent the power of the document. These Terms and Conditions of Use include the headings with the purpose to summarize and structure all the content of the website. All titles are supposed to simplify understanding and search for the users.

Contact Information

Use email contact@paydayloan.network to contact us, in case you need our help or you have a question, request or problem associated with the services or the terms.

YOU CONFIRM AND ACCEPT ALL THESE ABOVE-MENTIONED TERMS AND CONDITIONS OF USE WHEN CONTINUE TO EXPLOIT THE WEBSITE. OUR RECOMMENDATION IS TO READ PROPERLY AND PRINT THIS DOCUMENT TO HAVE A PAPER COPY.

Disclaimer:

Short-term loans are supposed to have special purposes, they are designed for people to take it and use it for a short time. This type of loan is an emergency credit product, as the loan debtor receives cash in not big amounts. It is highly important to understand the main meaning of short-term loans, which are not intended to be used for a long time to solve the problem of constant lack of funding. In case, if the loanee wants to prolong the short-term credit, this type of credit product can become a very expensive product.

paydayloan.network - this is web service that is launched to bring together lenders and loan debtors. This online platform allows users to find suitable and relevant lenders. It is important to understand that this service cannot make any decisions regarding to taking or giving loans. You don’t need to pay for the services of the website, it is absolutely free option. Also, you can come on this platform with no purpose to contact lenders or take credit product, you can only view and see what we offer without paying for it. All information concerning to short-term credit products is available for visitors and users free of charges. On the website paydayloan.network many lenders are represented, but it does not mean that this service is responsible for the business of these lenders and transactions between lenders and loanees. This web platform does not approve each particular lender and the actions of third parties. paydayloan.network is not aimed at the collection, storage, sale and transfer of personal information, especially when it concerns the repayments of loans and other credit products.

Most states prohibit such loans when they are provided for a short period of time. On the Internet, there are many offers of lenders who are willing to provide loans of up to $ 1,000. The paydayloan.network website does not give promises and guarantees that it provides each new customer with a reliable creditor, and users may receive short-term loans from third parties. Lenders may decide to check through some credit agencies to determine the credit status and creditworthiness of borrowers. They may also request official personal data for verification, such as a social security number, driver's license number, national identity card number and other documents. The terms of credit products and the amount of credit products vary from one lender to another. It also depends on many factors, including the applicant’s credit history, place of residence and credit status, etc. It should be noted that each lender sets his own limits, restrictions and certain conditions on his own and for each applicant individually.

APR Representative

The loan rate is called Annual Percentage Rate that is calculated once a year. The paydayloan.network platform cannot provide information on the rates and terms of lending offered by lenders. We cannot provide you with an APR for loan products, since we are not lenders; they do not disclose these details of their business to us. The annual rate varies from one lender to another lender and depends on several factors, such as place of residence and consumer credit status. There are some additional fees that lenders may charge additionally, including fees for initiation, late payment, fines. They can also apply for fees for non-payment and charges for non-financial actions, including an overdue payment, tax and debt collection report. Lenders do not transmit information about any financial or non-financial actions to paydayloan.network, so there is no information on this website about the claims and requirements of creditors to applicants. The loan agreement must disclose all details of payment and non-payment fees and commissions in a transparent manner. APR is one of the non-financial charges for a short-term loan product, which should be calculated as a one-time annual payment.

Consequences of Late Payment
In case you doubt that you can pay on time, you need to contact the lender and discuss with him the possibility of late payment. The lender decides what charges and penalties he imposes on late payment. There are some federal regulations regarding to late payment that may vary depending on the case. Loan agreement includes the details about the procedure and the cost associated with the late payment. Look through the all document before signing it.
Non-payment Consequences
Financial and non-financial charges and fees can be taken when lenders receive missed payment or non-payment. The loan agreement includes all the penalties of late payment and non-payment.

Fees and other financial charges for late payment are to specified in the loan agreement. Resumption and other actions regarding to non-payment may be taken in case of consent. All information about the renewals is drawn up in the loan agreement and is determined on a case-by-case basis. There are also some additional penalties and fees that you will probably have to pay in case of resumption.

There are plenty of procedures and methods of debt collection that can be done. Fair Debt Collection Practices Act regulates and establishes the procedure of implementation of debt collection actions. Federal laws adjust limitations and rules to defend applicants and to prevent unfair lenders’ actions against the consumers. Most creditors prefer not to use the outsourcing services regarding to debt collection, they solve debt disputes by their own.

Any financial delinquency concerning to late payment or non-payment can be transferred to credit bureaus, such as Equifax, Transunion, Experian, and others. Negative consequences may arise as a result of breach of the loan agreement. The credit status of the loanee will also be downgraded after the delay in payment. Lenders are not used to trust their funds to applicants with a low-reliable rating.