Terms and Conditions of Use
Effective date: 10/15/2021
This document serves as the agreement between PaydayLoanRadar.com (hereafter we, our, ours, us, Company) and a user (hereafter Users, You, Your, Yours) of the Website who uses the Website and the services offered by PaydayLoanRadar.com.
PaydayLoanRadar.com is not a lender and does not make credit decisions including approvals or denials for lines of credit or credit products. PaydayLoanRadar.com does not initiate financial services or products and does not represent any particular financial organization. PaydayLoanRadar.com provides a searching and matching service that exists to help Users connect to financial organizations and third-party lenders that provide lines of credit or loan products. To gain access to these services, the User must submit information via a registration form on the Website.
All Users should read and understand this document. Any User who submits an online registration form or submits personal information via the Website agrees that they have read thoroughly and understood the terms outlined in all documents governing use of PaydayLoanRadar.com and the services provided.
This Website should only be used by residents in the United States who are at least 18 years old. By using PaydayLoanRadar.com, You confirm that You reside in the United States and that You are 18 years of age or older.
The services that PaydayLoanRadar.com provides are not extended to residents of certain states as applicable by laws that restrict short-term lending in these states, including Arkansas, New York, West Virginia, and Vermont. This list is not exhaustive and is subject to change. Be sure to check the current status of Your state of residence online and see the list of authority websites for current information regarding short-term lending in the United States. If You disagree with the Terms and Conditions of Use, do not continue to use this Website and exit all pages now.
This Website serves to connect Users to legitimate third-party lenders that are authorized to provide short-term loans. Please note, the number of available loans depends on regulations set forth by each state. Short-term loans are typically provided in amounts up to $1,000.
PaydayLoanRadar.com has no influence over or access to credit decisions made by third-party lenders. Decisions to approve Your loan request, the amount of the loan, and the terms of eligible loan products offered are made exclusively by third-party lenders and depend on many factors. Not all lenders in our network can provide loans up to $1,000. We do not guarantee that any lender will grant approval of any User’s request, or that You will be approved for Your requested loan amount on Your requested terms. Loan approval amounts and terms may vary.
Any User who has questions or concerns about the short-term lending industry or any loan offer should consult a professional. Short-term lending can be an expensive method of credit and should be used exclusively for short-term purposes. PaydayLoanRadar.com does not regulate or create terms for any specific credit product or loan offer. Loan and credit decisions are made solely by third parties. Therefore, we are not responsible for decisions made by third parties and do not have access to information regarding specific credit products provided by third parties. Please contact third parties directly to inquire about this information.
To utilize the searching and matching services we provide, all users must register via the online form on the Website. By submitting Your personal information via this form, your information will be used to provide this service and connect You to third-party lenders who may be able to provide loan products or services of interest to You. In order to match you with a third-party lender, we will need to share Your submitted information with the lender(s). This information includes personal information such as your name and address, employment history, financial information, social security number, and banking account details. PaydayLoanRadar.com is authorized to use, collect, share, and store this information in accordance with the policies explained in the governing documents located on the Website.
When You submit information via PaydayLoanRadar.com, this is considered a request for the Website to match You with a third-party lender in our network. You consent for us to share Your information with the third-party lenders in order to perform this service and You authorize third-party lenders to contact You using methods such as telephone, email, direct mail, or other methods of contact in order to offer the products or services You requested.
You consent PaydayLoanRadar.com as well as Your lender to share personal information with third-party marketers for the purpose of offering additional financial products that may be of interest to You. Sensitive personal information such as social security number and banking details are not shared for marketing purposes. However, personal information including your social security number may be used by third-party lenders for the purposes of performing credit verifications, to assess credibility, and/or to make decisions on whether to provide loan products and services.
We cannot guarantee approval of any loan product or service. PaydayLoanRadar.com cannot provide information pertaining to specific credit products or services that a third-party lender may present. Contact your lender directly with any questions relating to their products, services, or specific transactions.
Copyright and Property Rights
All content published on PaydayLoanRadar.com is copyright protected. The Company retains all ownership rights of written and designed content on this Website and Users of the Website are not granted ownership rights of anything present on the Website. Users may not reproduce, use, or represent any content that is written or designed or displayed on the Website, including but not limited to use for commercial purposes. All written content and design assets and elements contained in the Website are protected by intellectual property laws in the US and may not be reproduced or copied. Intellectual property laws secure and enforce the legal rights relating to copyright, trademark, and patent laws. Violations can lead to prosecution.
THIS WEBSITE AND ITS PROVIDED SERVICES ARE OFFERED AS-IS, AVAILABLE FOR USE AT THE USER’S OWN RISK. WE DO NOT GUARANTEE OR PROVIDE WARRANTY REGARDING ANY PRODUCT OR SERVICE THAT YOU MAY ENCOUNTER VIA USE OF THE WEBSITE. PRODUCTS AND SERVICES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
WHILE THE SOFTWARE AND TECHNOLOGIES WE USE ARE ADVANCED, THERE IS NO GUARANTEE THAT THE SERVICES OR PRODUCTS WE OFFER WILL BE COMPLETELY ERROR-FREE, SECURE, OR UNINTERRUPTED. IF ANY ERRORS ARE DETECTED IN THESE TECHNOLOGIES OR SOFTWARES, THEY WILL BE FIXED IMMEDIATELY.
IF YOU CHOOSE TO FOLLOW ANY HYPERLINKS TO THIRD-PARTY WEBSITES, YOU AGREE TO DO SO AT YOUR OWN RISK. THIRD-PARTY LINKS HAVE NOT BEEN VERIFIED BY PaydayLoanRadar.com, AND THEREFORE CANNOT BE GUARANTEED TO BE ACCURATE OR SECURE. IF YOU CHOOSE TO USE THIRD-PARTY TOOLS, WEBSITES, OR SOFTWARE, YOU DO SO AT YOUR OWN RISK. PaydayLoanRadar.com IS NOT AFFILIATED WITH THIRD-PARTY WEBSITES AND THEREFORE CANNOT CLAIM RESPONSIBILITY AND IS NOT LIABLE FOR PROBLEMS OR ERRORS THAT YOU MAY ENCOUNTER ON THESE WEBSITES.
WE ARE NOT AFFILIATED WITH PRODUCTS OR SERVICES PRESENTED BY THIRD PARTIES. YOU AGREE TO USE THIRD PARTY PRODUCTS AND SERVICES AT YOUR OWN DISCRETION. YOU AGREE TO NOT HOLD PaydayLoanRadar.com LIABLE FOR ANY LOSS YOU MAY ACCRUE THROUGH THE USE OF THIRD-PARTY WEBSITES, PRODUCTS, OR SERVICES.
Limitation of Liability Clause
WE ARE NOT RESPONSIBLE FOR LOSS OR DAMAGE OF ANY FORM THAT YOU MAY EXPERIENCE THROUGH THE USE OF A THIRD-PARTY WEBSITE, SERVICE, OR PRODUCT. THIS INCLUDES INCIDENTAL, CONSEQUENTIAL, DIRECT, OR INDIRECT USE OF THE WEBSITE OR SERVICES OR PRODUCTS PROVIDED BY THIRD PARTIES YOU MAY BE MATCHED WITH BY USING THE SERVICES OF THE WEBSITE. IF YOU BELIEVE THE USE OF THIS WEBSITE HAS CAUSED DAMAGE OR LOSS TO YOU, THE TOTAL LIABILITY OF PaydayLoanRadar.com IS LIMITED TO THE EXTENT OF MONEY YOU HAVE PAID TO USE THIS WEBSITE OR ACCESS THIS WEBSITE. PaydayLoanRadar.com WILL ADJUST OUR LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW IN CASES WHERE A JURISDICTION DOES NOT ALLOW OR RECOGNIZE EXCLUDING PARTICULAR WARRANTIES, INCLUDING CONSEQUENTIAL OR INCIDENTAL DAMAGES.
PaydayLoanRadar.com may provide information regarding third-party services and thus contain hyperlinks to third-party websites. We do not represent or take responsibility for any content provided on third-party websites and do not endorse the accuracy of any information provided by third parties on their websites.
The User agrees to access third-party websites via the Website at their own discretion and at their own risk, and in no way holds PaydayLoanRadar.com liable for any consequences associated with these actions.
By submitting Your personal information, You agree that we can use and share this personal information for the purposes of marketing. The information You submit via PaydayLoanRadar.com may be shared with third-party marketers as well as lenders contracted with by the Company.
If You do not want Your personal information to remain stored in our database, please contact us with your request. If You want Your information to be excluded or removed from any list or database kept and maintained by a third party, you must contact the third party directly via the contact information they have provided to you or have listed on their website.
Disputes arising from the use of PaydayLoanRadar.com or any service provided on the Website are subject to the legislation of the state from which the Company has been granted license or authority and permitted to partake in business activity.
Disputes must be legally incorporated in an official complaint and sent for arbitration to the authorizing institution appointed to resolve such disputes. Disputes must follow the state and federal rules and regulations that are active at the time of submitting a dispute. Disputes between a User and PaydayLoanRadar.com must only be processed and resolved through arbitration and must be in consideration with the terms outlined in this document.
By using the services on the Website and thus agreeing to this document, You explicitly reject Your right to represent Yourself through legal counsel or individually in front of any court or judge. By agreeing to the Terms and Conditions of Use document, You waive Your right to partake in class-action lawsuits against PaydayLoanRadar.com. You also waive Your right to claim responsibility for any incidental, consequential, or punitive damages which cannot be awarded by the arbitrator. The maximum compensation authorized by the American Arbitration Council and assigned by the arbitrator to monitor a dispute cannot surpass the maximum of the damages claimed by the litigant (the User). For the User, the results of the arbitration are binding, therefore the decision is final and can be reinforced by the court. PaydayLoanRadar.com may file an action to any court within the jurisdiction to handle disputes in lieu of arbitration.
If You choose not to accept the arbitration clauses outlined herein, You must send a written letter that includes the following information to PaydayLoanRadar.com within ten (10) days after accepting this document. You must include your first and last name, home address, email address, and telephone number, as well as the statement: “I reject the arbitration clause of PaydayLoanRadar.com stated on its Website on its Terms Conditions of Use page.”
If You reject the arbitration clauses outlined, You are required to bring up a legal case to any court authorized to handle this dispute within 365 days after you have identified and determined damage. The claim is void after 365 days.
The residents of the following countries cannot have access to PaydayLoanRadar.com’s products and services offered due to embargo conditions: Iran, North Korea, Sudan, Iraq, Libya, Syria, Cuba, or any other country where the US has imposed a ban on goods and services. Additionally, PaydayLoanRadar.com’s products and service are not legally available to the following Users: Users who belong to the United States Treasury Department’s list of Specially Designated Nationals or the US Commerce Department’s Denial Orders Table.
In registering for and continuing to use PaydayLoanRadar.com and its services, you agree to the Terms and Conditions of Use and certify that you are authorized to have access.
By continuing to use PaydayLoanRadar.com and services offered via the Website, You deem the Company, its affiliates, subsidiaries, and its individual agents, bankers, directors, members, co-partners, and employees as harmless.
You confirm that You will not bring any liabilities or claims due to: a) Unreasonable or improper use of the Website, b) Your breach of the Terms and Conditions of Use or c) any dispute between You and any third party. The stipulations outlined may be asserted if any claim or dispute is brought by You.
The Terms and Conditions of Use is the complete agreement between PaydayLoanRadar.com and the User and the acceptance of the Terms and Conditions of Use provides explicit understanding by the User. Any related prior notices or information are voided by this agreement. In the event of violation of any term or condition or in the event of discrimination, the complete agreement and other stipulations remain in effect.
Updates and Modifications to Governing Documents
Termination and Suspension
In the event that any stipulations in the Terms and Conditions of Use are determined to be unlawful or outdated, or found to be contradictory to any related laws or regulations that override these provisions, such provisions will be suspended. The remaining terms and the Terms and Conditions of Use will continue to be in effect. In the event that any stipulations of this agreement are failed to be enforced by PaydayLoanRadar.com, this failure of enforcement is not considered a waiver or surrender of the validity of any other provisions of the document, nor does it revoke any rights of PaydayLoanRadar.com.
We reserve the right to deny or cease access to PaydayLoanRadar.com in the event of a violation of any term or regulation by the User. If a User is found to be in violation of applicable law or regulation concerning the use of PaydayLoanRadar.com, we may terminate their access to the Website. You may terminate use of the Website at any time. Regardless of termination, applicable provisions are still in effect.
The headings present in this document are intended only for illustrative purposes and will not change or cease the meaning of the conditions outlined and explained in the Terms and Conditions of Use.
For inquiries of any kind regarding services provided by PaydayLoanRadar.com, please email [email protected]. You may also contact any authorized organizations located in Your state of residence to review or resolve Your case.
BY USING PaydayLoanRadar.com, YOU AGREE TO THE TERMS AND CONDITIONS OF USE OUTLINED ABOVE. PLEASE PRINT THIS DOCUMENT AND RETAIN FOR YOUR RECORDS.