By accessing the lenderdirect.net web site and using the services on this site, you agree to be bound by the terms and conditions ("Terms") below. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this web site. The lenderdirect.net web site is operated as a website located at http://www.lenderdirect.net.

Loan Service


lenderdirect.net's loan suggestion service helps find consumers prospective lenders participating in LenderDirect' direct network of payday loan lenders ("participating lenders"). lenderdirect.net is not a financial institution or a lender. To use the service, you must complete one or more online application forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. lenderdirect.net's collection and use of this information is subject to this site's Privacy Policy. In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy Policy, which are incorporated herein by reference.

Once a consumer submits the application form(s) to lenderdirect.net, lenderdirect.net shares your information with one or more participating lenders or to an aggregate of lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to lenderdirect.net and each of the participating lenders or aggregate of lenders to whom lenderdirect.net transmits your loan request. By submitting the application form(s), you are extending an express invitation to lenderdirect.net and each of the participating lenders and/or aggregate of lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested. Participating lenders and/or aggregate of lenders who receive your application information from lenderdirect.net review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that tracks consumer transactions with lending institutions. By submitting the application form(s), you agree to allow participating lenders to review, verify, and research your information in such manner.

If a participating lender and/or aggregate of lenders determines that your application meets its loan qualification criteria, the lenderdirect.net web site will open a new web page identifying the name(s) and contact information of the lender(s), or redirect your browser to the lender's web site. You understand and agree that, once you have been redirected to the lender's web site, lenderdirect.net has no further involvement in the loan application or approval process. Your subsequent interactions with the lender are subject to Privacy Policy, terms of use, and other policies and/or terms enforced by that lender.

lenderdirect.net is not a lender and does not make loans or credit decisions in connection with its loan service. lenderdirect.net does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. lenderdirect.net does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan service are the terms available in the market.

lenderdirect.net does not endorse or recommend the products of any particular lender. lenderdirect.net is not an agent of you or any participating lender. lenderdirect.net is not involved with the lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that lenderdirect.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 the loan service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.

Authorized Users


lenderdirect.net authorizes you to use this Site solely for your own personal, non-commercial use. Any other use is strictly prohibited. You agree not to access, reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes any material at the Site. The Site is not directed at children under 18 years of age. Any use of the Site by anyone under 18 years of age is unauthorized and in violation of these TOU. The services offered on this Site are not available to residents of all states, including those residents located in Georgia and West Virginia. The services offered on this site are not available to any member of the military or National Guard including members that are currently active, reserve, or their immediate family memebers. By using this Site you acknowledge that you have read and understood the terms of the lenderdirect.net Privacy Policy and agree to said terms.


Control over Features, Functions, and Access to the Service


lenderdirect.net reserves the right to change any information, features and/or functions of the loan service without prior notice. lenderdirect.net may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that lenderdirect.net determines, in its sole discretion, violate these Terms, the rights of lenderdirect.net or any third party, or is otherwise inappropriate. lenderdirect.net is not responsible for any errors or delays in providing the loan services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control.

Security at the Site


While lenderdirect.net uses reasonable efforts to safeguard the security of the Site, there can be no guaranty that such safeguards will successfully prevent unauthorized alterations in the content or functionality of the Site. lenderdirect.net assumes no responsibility for any unauthorized alterations in the content or functionality of the Site.


Trademark Information and Proprietary Rights


Everything that appears on lenderdirect.net is protected under the intellectual property laws of the United States and may not be used except as provided in these Terms of Service. lenderdirect.net neither represents nor warrants that your use of materials displayed at the Site will not infringe rights of third parties.


Disclaimers and Limitations


THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." lenderdirect.net EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. lenderdirect.net MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEB SITE AND/OR lenderdirect.net'S SERVICES IS AT YOUR OWN RISK. lenderdirect.net AND/OR ITS PARTICIPATING LENDERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR lenderdirect.net'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF lenderdirect.net OR ITS PARTICIPATING LENDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY lenderdirect.net, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.


Indemnity


This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. lenderdirect.net does not operate or control in any respect any information, software, products or services available on such third party sites. lenderdirect.net's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.


Links to Third Parties


As a condition of using this web site and/or the services offered herein, you agree to indemnify lenderdirect.net and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.


Dispute Resolution


Any controversy or claim arising out of or relating to the use of the web site, to the goods or services provided by lenderdirect.net, or to any acts or omission for which you may contend lenderdirect.net is liable, including but not limited to any controversy or claim as to arbitrability ("Dispute"), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Fulton County, Georgia and judgment on the arbitration award may be entered into any court of competent jurisdiction in Fulton County, Georgia. No arbitrator shall have the power to award damages in connected with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.

THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND lenderdirect.net WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. By using lenderdirect.net's service, you consent to these restrictions.

In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and lenderdirect.net, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Fulton County, Georgia. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.


Other Terms


By providing your cell phone number, you are agreeing to receive promotions from us and our partners on your mobile phone. We do not charge you to participate in this program. However, message and data rates may apply from your wireless carrier. Please consult your wireless carrier for applicable text messaging fees. Under no circumstances will we be responsible for fees that your wireless carrier or other third parties may charge you for use of the Service.

If you provide any false, inaccurate, untrue, or incomplete information in your Application, we may immediately terminate your access to and use of the Service. It is your responsibility to keep the confidentiality of any username(s) and password(s) associated with your Application.

To use the Service, you must complete and submit the information requested in the Application, which information may include (by way of example and not limitation) your name, street address, telephone number, date of birth, banking account information, desired loan amount, social security number, employment information, and any other information requested at the time of collection. Alimony, child support, or separate maintenance income need not be disclosed unless relied upon for credit. You represent and warrant that the information you provide to us through your Application is accurate and truthful. If you do not provide such information in such manner, we reserve the right to deny, suspend, or terminate Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.

These Terms constitute the entire agreement between you and lenderdirect.net. These Terms shall be governed by the laws of the State of Georgia without regard to its conflict of law provisions. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely resembles the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by lenderdirect.net to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. lenderdirect.net may amend these Terms at any time by posting the amended terms on its web site. All amended terms are automatically effective immediately, upon posting.




*Residents of Arkansas, Georgia, New York, and West Virginia are not eligible to apply for a cash advance on this website. The Operator of this website is not a lender and does not make cash advances, credit decisions or broker loans to lenders. This site will suggest to you the most relevent cash advance lender based on your application. The operator of this website is not an agent, representative or broker of any service provider or lender and does not endorse or charge you for any service or product. You are under no obligation to use this website's service to initiate contact or apply for credit with any of our service providers. The states that this website services may change from time to time and without notice to you. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. Short-term loans are not a long-term financial solution. **Faxing is not required in order to submit an application for credit on this website however in some circumstances faxing may be required for a lender to fully complete and approve an application for credit. This website does not guarantee that completing an application form will result in you being suggested a service provider or lender. ***Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus; Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders in some circumstances. *Approval time is usually 1 hour or less however this does vary by lender and also depends on their ability to contact you.