Last Updated: [11/13/2019]

Terms of Use

(the “Website”) is owned and operated by Napayshni LLC. maintains and provides this Website for consumers' information, conditioned on their acceptance, without changes, of these conditions, notices, and terms included in these Terms of Use and the Website’s Privacy Policy. By entering and using this Website, you agree and accept without any limitation the following:

SERVICES AND PRODUCTS

is neither a lender nor a lending partner, and it has no responsibility for any advertising or offering of any lending products to its consumers. is not responsible for credit decisions made about its consumers. Lenders and lending partners offer their loan products directly to consumers of this Website and is not included in those loan offers.

ESIGN CONSENT

Website consumers agree and accept that clicking on the “Get Cash Now” and any other similar button used for submitting a loan form acts as their electronic signature. Consumers also agree and accept that both and its lender and lending partners can share their loan requests as well as contact you electronically. You further agree that any necessary disclosures such as notices of adverse action or other information lenders and lending partners must send to you can be delivered electronically. You confirm and agree that you can access all such documents electronically, including opening and saving PDF files.

TERMS AND CONDITIONS ABOUT SMS

When you click the button “Submit,” you agree and accept to receive promotional, marketing, and informational SMS messages sent from and its marketing partners. This service is a standard subscription offered by the majority of carriers like AT&T, U.S. Cellular, T-Mobile, Cellular One, Version Wireless, Virgin Mobile, Sprint, MetroPCS, Boost, and Alltel Wireless. Please note that certain MSG and DATA charges may apply. These services require text-enabled handset. Carriers have no responsibility for undelivered and/or delayed messages. If you wish to cancel this subscription, you should text STOP to 99629. Getting more information is possible by texting HELP to 99629 or getting in touch with us at (855)411-3330. Until customers cancel the subscription, the service will be provided to them.

LOAN INQUIRY POLICY

has the right to reject any consumer loan inquiry at any given time and for any given reason, except those prohibited by law. Before accepting any submitted form, has the right to ask for further information and/or verification. When consumers submit any information through the Website, they are referred to lenders and lending partners for consideration in compliance with the procedures and policies of the lenders and lending partners. Please note that submitting a form does not mean that you have been approved for a loan. Only lenders and lending partners have the right to decide whether to approve a loan inquiry or not. plays no role in receiving, approving, or rejecting loan inquiries. When you submit your personal data via this Website, you accept and agree that we will try to find alternative lenders and lending partners with alternative loan offers to assist you in case we are unable to immediately find lenders or lending partners that offer the loan type you requested in the first place.

CREDIT REFERENCES

Lenders and lending partners from our network may verify social security number as well as driver's license number and any additional state or federal identification documents. Lenders and lending partners may also review your credit score and history using the information provided by credit agencies, including but not limited to Experian, Transunion, and Equifax. When consumers submit their data to , they agree and accept that lenders and lending partners are able to get these credit reports and verify your details.

RESTRICTIONS

In order to submit a form through this Website, you must be at least 18 years old as well as a legal US resident. Consumers agree and accept not to use the Website for any inappropriate or illegal activities.

COMPLIANCE WITH LAWS

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Site and your acceptance or purchase of products or services through any of this Site’s third party vendors. may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities. If we become aware of any potential or suspected violation of these Terms of Use or our Privacy Policy, we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject you to criminal or civil penalties.

LAW COMPLIANCE

Consumers using this Website agree and accept to comply with any applicable statutes, laws, regulations, and ordinances when they use the Website and when purchasing services and/or products via the Website’s third-party vendors. In case of any perceived or actual violations of these laws, reserves the right in its sole discretion to report such violations to law enforcement authorities. In case becomes aware of suspected and/or potential violation of the Website’s Privacy Policy and/or Terms of Use, we reserve the right to (may or may not) do an investigation with the purpose of determining the extent and nature of such suspected violations as well as the suitable enforcement action that should be taken. During the investigation, reserves the right to suspend its service to investigated customers as well as to delete any data from its servers with the purpose of minimizing any additional violations. Consumers under investigation agree and accept to provide full cooperation. You acknowledge and accept that any violation of this Privacy Policy and Terms of Use could result in civil or criminal penalties.

INTELLECTUAL PROPERTY

All titles, trademarks, characters, graphics, trade names, designs, graphics, and all other properties, including but not limited to any text, images, and software on the Website are the intellectual property of , any of its licensees, and other authorized third parties that can use those properties. Consumers are allowed to both view and copy pages, documents, images, and other materials as well as content from this Website only for the purpose of submitting a loan request. holds all the rights of this Website and Website contents. Consumers mustn’t display, distribute, disseminate, or transmit any of the Website pages, images, documents, content, or materials without written consent from us. Nothing featured on the Website should be considered as giving any rights or licenses to any copyright, trademark, or any other intellectual property rights.

LIABILITY LIMITATION AND WARRANTY DISCLAIMER

takes all commercially reasonable steps to provide that any information on the Website is correct, but does not guarantee 100% accuracy. represents no results that may or may not result from your use of this Website. OR ALL OTHER PARTIES INVOLVED IN PRODUCING, CREATING, AND DEVELOPING THIS WEBSITE ARE LIABLE FOR ANY INDIRECT, DIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGE RESULTING FROM YOUR USE OF OR ACCESS TO THIS WEBSITE. ALL THINGS PROVIDED ON THE WEBSITE ARE “AS IS” WITHOUT ANY KIND OF WARRANTY, NEITHER EXPRESSED NOR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTY OF MARKETABILITY, FITNESS FOR SPECIFIC PURPOSES OR NON-INFRINGEMENT. ALL THE MENTIONED EXCLUSIONS, AS WELL AS LIMITATIONS, APPLY TO THE FULLEST EXTENT THE LAW PERMITS.

PRIVACY

The Privacy Policy of that is incorporated here by reference applies to any information and data submitted through this Website. This Privacy Policy establishes consumer rights and the responsibilities of when it comes to personal data. will never use consumer personal information in a way inconsistent with the limitations and purposes stated in the Privacy Policy. holds the right to modify its Privacy Policy in its sole discretion and without notifying consumers. Any changes to the Privacy Policy come into force as soon as they are published, and consumers accept those modifications by their continued use of the Website.

SECURITY

In order to protect consumer personal data, employs reputable technology. Despite taking all commercially reasonable steps to protect consumer personal data obtained through this Website, cannot guarantee that others will neither intercept nor decrypt your information. As long as takes all commercially reasonable measures to protect consumer data, it takes no responsibility for any possible decryption or interception of information, except for the responsibility required by applicable laws.

SITE USE

Using the Website or the marketplace service is always free to consumers. Please note that does not act as an agent for (a) you, (b) lenders or lending partners, or (c) suppliers or vendors used to evaluate your loan request or any other use of the Website. Lenders, lending partners, or third parties may provide compensation to for the services.

LAW AND VENUE

The Napyshni LLC limited liability company based in Charlestown, Nevis owns and operates . Consumers give their consent to the jurisdiction and laws of Charlestown, Nevis, by using the Website or engaging in any way with . Privacy Policy and Terms of Use will also be construed and governed in compliance with the Charlestown, Nevis laws, and without any regard to conflicting law provisions. You agree and accept that any disputes with will be resolved under the venue and jurisdiction of Charlestown, Nevis, including legal actions against (these must be brought via binding arbitration as explained below).

BINDING ARBITRATION

In case of a dispute of any kind arising from the interpretation of provisions or terms in these Terms of Use as well as in regard to consumer dealings with or lenders and lending partners they borrow from via the services of , such disputes shall be resolved via binding arbitration. Any arbitration proceedings shall be resolved under the jurisdiction of Charlestown, Nevis, and its applicable rules. Any decision made by the arbitrator shall be considered final as well as binding on all parties involved. All arbitration costs, including but not limited to expert testimony, travel expenses, experts' travel expenses, and any other reasonable expense incurred as a result of defending or bringing the arbitration claim shall be recovered by the prevailing party from the other party, except when the law prohibits it.

MODIFICATION

has the right to change its Terms of Use occasionally and without sending notices to consumers. By continuous use of the Website, you agree and accept any terms that have been added or modified.

INDEMNIFICATION

Anyone using this Website agrees to defend, hold harmless, and indemnify as well as its affiliates, subsidiaries, agents, officers, and other employees and partners from any claim, demand, liability, and loss, including but not limited to reasonable attorney fees, generated by a third party as a result of or arising from their attempted use or actual use of this Website.

TERMS OF USE VIOLATION

Anyone using this Website understands, agrees, and accepts that reserves the right without any notice and in its sole discretion to terminate their Website access as well as any offered services, and may remove any information they submitted in case has reason to believe the information is either violating or inconsistent with the Privacy Policy or the Terms of Use or their intent. Also, may remove content that is deemed offensive, disruptive, or violating any applicable law.

CLASS ACTION WAIVER

ANY PROCEEDING TO LITIGATE, ARBITRATE, OR RESOLVE ANY DISPUTES IN ANY FORM SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY. NEITHER NOR CONSUMERS SHALL SEEK TO RESOLVE DISPUTES AS CLASS ACTIONS OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY OTHER TYPE OF A PROCEEDING WHERE ANY OF THE PARTIES PROPOSES TO ACT OR ACTS IN A REPRESENTATIVE CAPACITY. NO PROCEEDINGS OR ARBITRATIONS SHALL BE COMBINED WITHOUT RECEIVING A PRIOR WRITTEN CONSENT FROM ALL INVOLVED PARTIES IN ALL PROCEEDINGS OR ARBITRATIONS OF INTEREST. MOREOVER, CONSUMERS AGREE THAT THEY WILL NOT SEEK TO RESOLVE DISPUTES AGAINST LENDERS OR LENDING PARTNER AS CLASS ACTIONS OR PRIVATE ATTORNEY GENERAL ACTIONS, OR ANY OTHER TYPE OF A PROCEEDING WHERE ANY OF THE PARTIES PROPOSES TO ACT OR ACTS IN A REPRESENTATIVE CAPACITY. SPECIFIC APPLICABLE LAWS MAY LIMIT THE EXTENT OF THE CLASS ACTION WAIVER, BUT ITS INTENT IS TO APPLY TO THE FULLEST EXTENT APPROVED BY LAW.

MISCELLANEOUS

Napayshni LLC is included in any reference made to . Please note that reserves all the rights that are not expressly given to consumers. All headings featured in the Terms of Use are there solely for convenience and shall play no role in the interpretation or construction of the Terms of Use. In case fails to enforce or insist upon enforcing strict performance of provisions included in the Terms of Use shall not be deemed a waiver of that provision in the future. The Terms of Use remain in full effect and force even in case a certain provision featured here is unenforceable or invalid, and such provisions shall have no effect on other provisions or in other respect of the Terms of Use. Both the Privacy Policy and Terms of Use create the complete understanding and agreement between all involved parties regarding the subject matter included herein, and they replace and supersede all and any other prior oral and written agreements regarding the subject matter included hereof.

CONTACT INFORMATION:

Company name: Napayshni LLC
Company Address: Springates Building, Lower Government Road, Charlestown, Nevis
Email Address: Support

ISPs INFORMATION:

Website: www.
Email Address: Support

IF YOU HAVE ANY QUESTIONS REGARDING THE STATUS OF YOUR REQUEST, YOU MUST DIRECTLY CONTACT THE LENDER OR LENDING PARTNER. IS NEITHER A LENDER NOR A LENDING PARTNER AND HAS NO ACCESS TO INFORMATION REGARDING THE STATUS OR APPROVAL OF YOUR LOAN REQUEST.

PROCEDURES ON NOTICES AND TAKING DOWN CONTENT

In case anyone believes that any content or materials from or on the Website infringe their copyrights or any intellectual properties, they may ask for such content or materials (or access to them) to be removed from this Website. To submit such a request, they should contact our copyright agent (found below) and provide the following details:

  1. Description of the copyrighted content and materials they believe is infringed. Please add a description of the content and materials, and if possible, either add relevant copies or location (e.g. URL) of authorized version of the content and materials.
  2. Description of the content and materials they believe are infringing their copyrights as well as their location. Please add a description of the content and materials, provide URLs, and any other relevant details that can help in locating the content and materials.
  3. Name and surname, address, a valid phone number, and email address.
  4. A good faith statement that they believe the use of such content and materials has not been approved by its copyright owner, the owner’s agent, or applicable law.
  5. A statement that their submission is correct, including an “under penalty of perjury” clause, that they are either the owner of the copyrights or the owner’s agent.
  6. A signature or its electronic equivalent from either the holder of the copyrights or the owner’s agent.

Please send the necessary details to:

Legal Department

Email Address: Legal

Please use “DMCA Takedown Request” as the subject line for any email submission.