PLEASE READ THESE TERMS OF USE CAREFULLY. These Terms of Use ("Terms") govern your access to and use of the website, mobile application, content, features, and related services (collectively, the "Service") operated by Cash Advance Loan Finder - ADF LLC ("Cash Advance Loan Finder - ADF," "we," "us," or "our").
By accessing, browsing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not use the Service.
1. Agreement to Terms
By using the Service, you confirm that you are at least 18 years of age, or the age of majority in your jurisdiction, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms.
2. Description of Service
Cash Advance Loan Finder - ADF is a loan-matching platform and technology service provider. We are not a lender, creditor, or financial institution. We do not:
- Provide loans or credit directly to consumers.
- Make credit decisions or determine eligibility for loans.
- Set, control, or influence the APR, fees, repayment terms, or any other loan conditions offered by third-party lenders.
- Guarantee that any user will be matched with a lender, qualify for a loan, or receive any loan offers.
- Endorse or recommend any specific lender or loan product.
Our Service is designed to facilitate connections between consumers seeking personal loans and independent, third-party lenders or lending partners in our network. All loan decisions, funding, terms, and disclosures are the sole responsibility of the lender.
3. Eligibility
To be eligible to use the Service, you must:
- Be at least 18 years old (or the age of majority in your state of residence).
- Be a legal resident of the United States.
- Have a valid Social Security Number or Individual Taxpayer Identification Number.
- Have an active checking or savings account.
- Provide true, accurate, current, and complete information about yourself.
- Use the Service only for your own personal, non-commercial use and for lawful purposes.
4. Use of the Service & Prohibited Conduct
You agree to use the Service only for its intended purpose. You agree not to, and will not assist or enable others to:
- Use the Service for any illegal or unauthorized purpose.
- Provide false, misleading, or fraudulent information.
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
- Interfere with or disrupt the integrity or performance of the Service.
- Attempt to gain unauthorized access to the Service, user accounts, or computer systems.
- Use any robot, spider, scraper, or other automated means to access the Service for any purpose.
- Copy, modify, distribute, sell, or lease any part of the Service.
- Reverse engineer or attempt to extract the source code of the Service.
- Violate any applicable federal, state, or local laws or regulations.
We reserve the right to suspend or terminate your access to the Service for any violation of these Terms.
5. Information You Provide & Consent
To use the Service, you will be asked to provide personal and financial information, which may include:
- Full name, contact information, and date of birth.
- Social Security Number (last four digits or full) and income/employment details.
- Bank account information for verification purposes.
By submitting this information, you:
- Represent and warrant that all information provided is accurate and complete.
- Authorize Cash Advance Loan Finder - ADF and its partners to use, obtain, and verify this information for the purpose of matching you with lenders.
- Consent to receive communications from us and potential lenders electronically (via email, SMS, phone, etc.).
- Authorize lenders to obtain credit reports and other data from third parties to evaluate your request.
6. Electronic Communications
By using the Service, you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing. You are responsible for maintaining updated contact information with us.
7. Intellectual Property Rights
The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Cash Advance Loan Finder - ADF LLC, its licensors, or other providers and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any part of the Service without our express written permission.
8. Third-Party Services & Content
The Service may contain links to third-party websites or services, or display content provided by third parties (including lenders). We do not control, endorse, or assume responsibility for any third-party content, websites, or services. Your dealings with any lender or other third party are solely between you and that entity.
We are not responsible for, and expressly disclaim all liability regarding: (i) the accuracy of third-party content; (ii) lender underwriting decisions; (iii) loan terms, fees, or APR; (iv) the fulfillment of any loan agreement.
9. Disclaimer of Warranties
YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CASH ADVANCE LOAN FINDER - ADF LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We make no warranty that (i) the Service will meet your requirements, (ii) the Service will be uninterrupted, timely, secure, or error-free, (iii) the results obtained from the Service will be accurate or reliable, or (iv) the quality of any products, services, information, or other material obtained by you through the Service will meet your expectations.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CASH ADVANCE LOAN FINDER - ADF LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (iii) ANY CONTENT OBTAINED FROM THE SERVICE; AND (iv) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.
Our total cumulative liability to you for all claims arising from or related to the Service shall not exceed one hundred dollars ($100).
11. Indemnification
You agree to defend, indemnify, and hold harmless Cash Advance Loan Finder - ADF LLC and its affiliates, officers, agents, and employees from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Service; (ii) your violation of any term of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your information caused damage to a third party.
12. Dispute Resolution & Arbitration
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
Most concerns can be resolved quickly by contacting us at support@academiedefinance.com. If we cannot resolve a dispute informally, you and Cash Advance Loan Finder - ADF LLC agree to resolve any claim, dispute, or controversy through binding arbitration rather than in court.
The arbitration will be conducted by a single, neutral arbitrator and administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitrator's award may be entered in any court of competent jurisdiction. YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
13. Governing Law
These Terms and any action related thereto will be governed by the laws of the State of Delaware, without regard to its conflict of law provisions.
14. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
15. Contact Us
If you have any questions about these Terms, please contact us: