Terms & Conditions

Notice: A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.

Prepayment: The Finance Charge consists solely of a loan fee that is earned in full at the time your loan is funded. Although you may pay all or part of your loan in advance without penalty, you will not receive a refund of part or all of the Finance Charge. However, you may rescind this Loan Agreement by the close of the next business date following the date your loan is funded at no charge. You may pay all or part of what you owe prior to the due date, without penalty. However, you will still be obligated to pay the entire finance charge set forth above.

Method of Payment: Your electronic authorization in the amount of the Total of Payments stated in the Federal Truth-In-Lending Disclosures and dated as of the date indicated in the Payment Schedule stated in the Federal Truth-In-Lending Disclosures (the “Payment Date”) will be held by us until the Payment Date for this cash advance. You agree that we may debit your account for the Payment if you have not paid us by cashier’s check, money order, or other immediately available funds for the amount of Total Payments on or after the Payment Date. If payment is made prior to the EFT (Electronic Funds Transfer) / ACH (Automated Clearing House) payment date, we will cancel the electronic authorization at the time we receive payment.

Returned Payments: In the event your electronic payment of any amount due under this agreement is returned due to insufficient funds or credit, stopped payment, or closed account, or any other reason, we shall assess a $25 returned fee.

Documentation: I agree that electronic mail, electronic forms, records, photocopies, and/or facsimile copies of the documents I submit are valid and enforceable as the original. I agree that by typing or writing my name as my signature, it is acknowledged and understood that it constitutes an acceptance of all terms and conditions of the master cash advance agreement and is valid and enforceable.

Jurisdiction: This transaction shall be governed in accordance with the laws of the State of Utah without regard to its conflicts of law principles, regardless of the order in which the parties agree.

The Agreement shall be deemed executed in Utah as designated herein. Further, if any provision(s) of the Arbitration Clause is/are found invalid, you agree that all actions or proceedings arising directly or indirectly, from this Agreement shall be litigated in such courts and consent that valid service of process may be made by certified or registered mail, to you at your address set forth herein or as may otherwise be designated hereafter by you in writing, and service so made shall be complete two days after delivery as aforesaid. You and we agree that each party in any such action is to bear its own attorneys fees, costs and expenses of such litigation regardless of whether such fees and costs are provided for under any applicable law or statute. The codes, statutes and laws of the State of Utah govern this entire transaction.

Class Action: I agree, to the extent permitted by law, which I will not bring, join, or participate in any class action or multi-plaintiff action as to any claim, dispute, or controversy I may have against CashNowLoansOnline. I agree to the entry of injunctive relief to stop such a lawsuit or to remove myself as a participant in the suit. This agreement does not constitute a waiver of any of my rights and remedies to pursue a claim individually.

Arbitration: Both parties agree that any claim, dispute, or controversy between us, any claim by either party against the other or the agents, services, or assigns of the other, including the validity of this agreement to arbitrate disputes as well as claims alleging. Fraud or misrepresentation shall be resolved by binding arbitration by and under the Code of Procedures of the National Arbitration Forum (NAF) at the time the claim is filed. Rules and form of the NAF may be obtained and all claims shall be filed at any NAF office on the World Wide Web at www.arbforum.com or at P.O. Box 50131, Minneapolis, MN 55405. Any arbitration hearing, if one is held, will take place at a location near your residence. Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act 9. USC Section 1-18. Judgment upon the award may be entered by any party in court having jurisdiction. Notice: Both parties have had the right or opportunity to litigate disputes through a court but we have agreed instead to resolve disputes through binding arbitration.

*REGISTERED WITH THE UTAH STATE DEPARTMENT OF FINANCIAL INSTITUTIONS
Be sure you fully understand the CashNowLoansOnline program and procedures before submitting your forms for acceptance. If you are unsure, please take time to review or contact a customer service representative to answer any questions you may have.

Electronic Funds Transfer (EFT) Agreement and Disclosure
In reference to the agreement you will be asked to sign the words "I, you, and your" refers to you (borrower) as a participant associated with CashNowLoansOnline loan Program. The words "us, we, and our" refers to CashNowLoansOnline (lender).

You will be authorizing for those single or multiple entries necessary to complete the original entries’ authorization amount and may be resubmitted if the original entry is returned by your financial institution. In the event the EFT is returned unpaid, an additional $25.00 Return Fee or maximum legal amount may be electronically withdrawn. It is the policy of CashNowLoansOnline to expedite all debits and credits as soon as possible upon approval; however, unavoidable delays can result with the processing company as a result of inadvertent processing errors, “acts of God”, etc. Normal processing time should not exceed two (2) business days under most circumstances but may exceed that in extraordinary circumstances.

Pre-Authorized Electronic Funds Transfer Payments
With the EFT agreement you will be asked to sign, which is part of the CashNowLoansOnline ‘s Agreement, you will be authorizing CashNowLoansOnline, to initiate debit/credit entries to your account for all payments due, including any returned unpaid item fees due, on which the subject of this agreement is drawn and the Financial Institution in which the account is held to debit/credit the same to such account. This authority is to remain in full force and effect until CashNowLoansOnline has received written notification from you of its termination in such time and in such manner as to afford CashNowLoansOnline a reasonable opportunity to act on it. You (as the customer) understand that you may cancel this authorization by providing written notice to CashNowLoansOnline at least five (5) business days prior to the payment due date. You understand that canceling your authorization does not relieve you of the responsibility of paying your account in full.

Furthermore, you will be authorizing CashNowLoansOnline (and its EFT Processor) to make electronic funds transfers (EFT), both debit and credit entries, to and from any bank account of yours at any institution, from time to time, for fixed and variable amounts.

If your payment is returned to CashNowLoansOnline as uncollected for ANY REASON, CashNowLoansOnline will pursue collection efforts immediately. If CashNowLoansOnline is unsuccessful in attempts to resolve an uncollected account balance with you, you will be responsible for all additional costs associated with the attempt by CashNowLoansOnline to collect any outstanding balance of this cash loan and fees, including, but not limited to, any fees or charges associated with bank NSF or returns, collection agency fees, attorney’s fees, court cost fees, costs of being served (notice of small claims action), pre-and post-judgment interest, any costs associated with the execution or application of wage garnishment, etc. You as the customer understand and agree that it is fair and reasonable for CashNowLoansOnline to employ the services of an attorney to represent CashNowLoansOnline in court due to our remote location, even in any resulting small claims action that you will be responsible for these fees. In addition, your delinquent account status is reported to consumer reporting services and to a national credit bureau as an uncollected debt in default, which will appear on your credit bureau file for such time as permitted by federal and state law.

Your Promise To Pay
*These terms are required of you when you are approved for a cash loan. You promise to pay us the Amount Financed, the Finance Charge and other permitted charges according to the Federal Truth-In-Lending Disclosures. You acknowledge and agree that you are indebted to us in the amount of the Total of Payments, and that the amounts set forth in the Federal Truth-In-Lending Disclosures are not in dispute and that you do not have any defense to the payment of such amounts. You promise to pay to us or to our order by your binding electronic signature in one payment on the date indicated in the payment schedule, or if extended payment request was processed, the total of payments on or after the next date of your cash loan comes due. You authorize us to effect this payment by one or more ACH debit entries to your account of your financial institution (bank or credit union) until this cash loan note is paid in full. You promise to keep open and maintain an adequate balance in your account to assure all payments are made to us in a timely manner on and up to five (5) days after the scheduled due date(s), until this cash loan note is paid in full. If CashNowLoansOnline is unable to collect payment from your provided account for any reason to effect debit entries as agreed, you promise to pay us all sums you owe immediately, by mailing your payment using overnight delivery in the form of a cashiers check or money order to our payment processing center.

These transactions shall be made in the State of Utah and Utah Laws shall govern all aspects thereof.

Federal Disclosure Requirements

Regulation Z: Federal Law requires the full disclosure of all costs and terms associated with any credit purchases or transactions (such as our cash advance program) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. For each transaction, the creditor shall disclose the following information as applicable: Creditor. The identity of the creditor making the disclosures. Amount financed. The amount financed, using that term, and a brief description such as the amount of credit provided to you or on your behalf. Itemization of amount financed.
(1) A separate written itemization of the amount financed, including:
(i) The amount of any proceeds distributed directly to the consumer.
(ii) The amount credited to the consumer's account with the creditor.
(iii) Any amounts paid to other persons by the creditor on the consumer's behalf. The creditor shall identify those persons.
(iv) The prepaid finance charge.

*The creditor need not comply with this section if the creditor provides a statement that the consumer has the right to receive a written itemization of the amount financed, together with a space for the consumer to indicate whether it is desired, and the consumer does not request it.
Finance charge. The finance charge, using that term, and a brief description such as “the dollar amount the credit will cost you.”
Annual percentage rate. The annual percentage rate, using that term, and a brief description such as “the cost of your credit as a yearly rate.”

Payment schedule. The number, amounts, and timing of payments scheduled to repay the obligation.

Total of payments. The total of payments, using that term, and a descriptive explanation such as “the amount you will have paid when you have made all scheduled payments.”

Prepayment.
(1) When an obligation includes a finance charge computed from time to time by application of a rate to the unpaid principal balance, a statement indicating whether or not a penalty may be imposed if the obligation is prepaid in full.

Regulation B: The federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, martial status, age (provided the applicant has the capacity to enter into a binding contract); because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580 (Reg. B 202.9(b)). CashNowLoansOnline will not discriminate anyone based upon any of the above factors. In addition, CashNowLoansOnline will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.

IMPORTANT: Legal Terms of Website Use Page
Welcome to the CashNowLoansOnline.com (the "Company") Web Site (the "Site")! Your access to and use of the Site is subject to the Terms of Website Use set forth in this Agreement.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING THE SITE.

BY USING THE SITE, YOU WILL BE ACKNOWLEDGING THAT YOU HAVE READ THIS AGREEMENT AND AGREED WITHOUT LIMITATION OR QUALIFICATION, TO BE LEGALLY BOUND BY THIS AGREEMENT ANDTHE TERMS OF THE CashNowLoansOnline.com PRIVACY POLICY.

IF YOU DO NOT WISH TO BE BOUND BY THESE Terms of Website Use, YOU MAY NOT ACCESS OR USE THE SITE.

THE COMPANY MAY, FROM TIME TO TIME, MAKE CHANGES OR ADDITIONS TO THIS AGREEMENT, AND YOUR CONTINUED USE OF THE SITE AFTER THE COMPANY MAKES SUCH CHANGES OR ADDITIONS WILL SIGNIFY THAT YOU AGREE TO SUCH CHANGES OR ADDITIONS. YOU SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT Terms of Website Use.

# Authorized uses. The Company, authorizes you to use this Site and to display its content but solely for your own personal noncommercial use. Any other use is strictly prohibited. You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any material at the Site, use of the Site, or access to the Site. By using this Site you acknowledge that you have read and understood the terms of the CashNowLoansOnline.com Privacy Policy and agree to said terms.
Proprietary Rights. Everything that appears on the Site is protected under the copyright laws of the United States and other countries and may not be used except as provide in these Terms of Website Use. The Company neither represents nor warrants that your use of materials displayed at the Site will not infringe rights of third parties.
Inaccuracies at the Site. While the Company uses reasonable efforts to include accurate and up to date information at the Site, the Company makes no warranties or representations as to the Site’s accuracy. The Company disclaims any and all liability for the accuracy, completeness, or correctness of such information.
Security at the Site. While the Company 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. The Company assumes no liability or responsibility for any unauthorized alterations in the content or functionality of the Site.
Disclaimer of Warranties. Neither the Company nor any other party involved in creating, producing, or delivering the Site makes any representations about the suitability of the content of this Site for any purpose, nor that your use of the Site will be uninterrupted or error-free. EVERYTHING ON THIS SITE IS PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Please note that some jurisdictions may not allow the exclusions of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.
Limitation of Liabilities. Neither the Company nor any other party involved in creating, producing, or delivering the Site assumes any responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from this Site. Your use of and browsing in the Site are at your risk. NO SUCH PARTY SHALL BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THE SITE. IN NO EVENT SHALL THE COMPANYS TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
Content Submitted or Made Available for Inclusion at the Site. Any unsolicited communication or material that you transmit to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary. Any unsolicited communication or material that you transmit or post may be used by the Company or its affiliates for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcasting, distribution or posting. Furthermore, the Company will be free to use any ideas, concepts, know-how, or techniques contained in any unsolicited communication or material that you send to the Site for any purpose whatsoever including, but not limited to developing, manufacturing and marketing products using such information.
Images of People or Places. Images of people or places displayed on the Site are either the property of, or used with permission by, the Company. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Trademark Information. The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on the Site, are registered and unregistered Trademarks of the Company and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of the Company or such third party that may own the Trademarks displayed on the Site. Your use of the Trademarks displayed on the Site, or any other content on the Site, except as provide in these Terms of Website Use, is strictly prohibited. You are also advised the Company will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.
Links. The Company has not reviewed any sites that may be linked to the Site and is not responsible for the content of any off-site pages or any other sites linked to the Site. Your linking to any other off-site pages or other sites is at your own risk.
Conduct of Site Visitors. Although the Company may from time to time monitor or review postings, transmissions, and the like on the Site, the Company is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. The Company retains the right to remove any such posting and will fully cooperate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity of anyone posting any such information or materials.
Dealings with Advertisers. Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that the Company shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site.
Notices. The Company may give notice to its users by means of a general notice on this Site, electronic mail to a user’s e-mail address on its records, or by written communication sent by first class mail to a user’s address on its records.
International Use. None of the products or underlying information or technology available at this Site may be downloaded or otherwise exported (i) into (or to a national or resident of) Cuba, Iraq, Iran, Libya, North Korea, Sudan, Syria, or any other country to which the United States has embargoed goods; or (ii) to anyone on the United Stated Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading from, or using the Site, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list. You further agree to indemnify the Company against any all costs, liabilities, losses or expenses arising from, or relating to, any asserted violation by you of any of the laws and administrative regulations of the Untied States relating to the control of exports of commodities and technical data.
Monitoring, Copying, Altering or Interfering With the Site. You agree that you will not use any robot, spider, Web crawler, screen scraper, automated query program or other automatic device or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site. You agree that you will not take any action that poses an unreasonable or disproportionately large load on our infrastructure. You agree that you will not copy, reproduce, alter, modify, create derivative works, or publicly display any content from our Web site without the prior expressed written permission of the Company or the appropriate third party. Monitoring, Copying, Altering or Interfering With the Site. You agree that you will not use any robot, spider, Web crawler, screen scraper, automated query program or other automatic device or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site. You agree that you will not take any action that poses an unreasonable or disproportionately large load on our infrastructure. You agree that you will not copy, reproduce, alter, modify, create derivative works, or publicly display any content from our Web site without the prior expressed written permission of the Company or the appropriate third party.
AGREEMENT TO ARBITRATE ALL DISPUTES: By signing below and to induce us, CashNowLoansOnline, to process your application for a loan, you and we agree that any and all claims, disputes or controversies that we or our servicers or agents have against you or that you have against us, our servicers, agents, directors, officers and employees, that arise out of your application for one or more loans, the Loan Agreements that govern your repayment obligations, the loan for which you are applying or any other loan we previously made or later make to you, this Agreement To Arbitrate All Disputes, collection of the loan or loans, or alleging fraud or misrepresentation, whether under the common law or pursuant to federal or state statute or regulation, or otherwise, including disputes as to the matters subject to arbitration, shall be resolved by binding individual (and not class) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF") in effect at the time the claim is filed. This Agreement To Arbitrate All Disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, or at "National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405-0191." If you are unable to pay the costs of arbitration, your arbitration fees may be waived by the NAF. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us if the amount of the claim is $15,000 or less. Unless otherwise ordered by the arbitrator, you and we agree to equally share the costs of a participatory hearing if the claim is for more than $15,000 or less than $75,000. Any participatory hearing will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction. This Agreement To Arbitrate All Disputes is an independent agreement and shall survive the closing, funding, repayment and/or default of the loan for which you are applying. NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, by using this website, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our agents, servicers, directors, officers and employees. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the costs we incur, including our court costs and attorney's fees, in seeking such relief. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join or participate in class action suits is an independent agreement and shall survive the closing, funding, repayment and/or default of the loan for which you are applying.
General Information. These Terms of Website Use shall be governed by and construed in accordance with the laws of the home state of CashNowLoansOnline.com, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Website Use shall be filed only in the state or federal courts located in home state of CashNowLoansOnline.com, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provisions of these Terms of Website Use shall be unlawful, void, or for any reason unenforceable, then the provision shall be deemed severable from these Terms of Website Use and shall not affect the validity and enforceability of any remaining provisions. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement sets forth the entire understanding and agreement between us with respect to the subject matter hereof.

Privacy Policy PAGE:
This Privacy Policy explains our views and practices concerning privacy, and how they may pertain to you as a user of our system.

"You" or "Your" means you, a participant in or as a user of the CashNowLoansOnline.com program.
"We" or "Our" or "Us" means CashNowLoansOnline.com. "Our Website" also means CashNowLoansOnline.com.

All information transmitted, printed or otherwise submitted to CashNowLoansOnline.com through this Website remains your property; however, CashNowLoansOnline.com will be free to use that information for any lawful purpose as detailed below.

This Website contains links to other websites. CashNowLoansOnline.com is not responsible for the privacy practices or the content of such sites.

Section 1
Collected Information

CashNowLoansOnline.com automatically collects and/or tracks the following information:

Information knowingly provided by you through online forms, registration forms, surveys and/or other entries, such as your name, street address, e-mail address, telephone number (home, work and mobile), date of birth, Social Security Number, bank account information, information relating to monthly income, employment information, and other personal, financial or demographic information;
Web page http headers (home server domain names, IP address, type of client computer, type of Web browser and operating system);
Information – user-specific or aggregate – concerning the pages our visitors access and referring URLs; and
The e-mail addresses of visitors who communicate with CashNowLoansOnline.com via e-mail.

Submitting information to us is voluntary. However, if you would like to be considered for a loan or receive information on a loan-related product from one of our affiliated third party loan providers (“Affiliated Loan Providers”), you must submit the required information, even if you do not actually enter into a formal application with CashNowLoansOnline or any Affiliated Loan Provider.

Please note: We may also collect your personally identifiable information when you submit information at the Website but do not complete the full registration process.

Section 2
Use of Data Collected

We use the information we collect to enhance your experience at our Website and to help us to offer content we determine may be of interest to you. We use your contact information to offer you promotional material from our partners. We may also use your personal, demographic, and profile data to improve our Website, conduct statistical analysis, and for marketing, promotional, editorial, or feedback purposes. Information collected by us may be added to our databases and used for future e-mails or postal mailings of products and services.

Section 3
Disclosure of Data to Third Parties

By using this Website, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry. If you choose to provide personal information, it will be used for and/or shared with trusted third parties such as Affiliated Loan Providers and/or other financial service providers, credit bureaus, and for marketing products and services that you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws. These third party businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; and telemarketers.

The information we collect may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online.

We may also employ other companies and individuals to perform certain functions on our behalf. Examples may include sending direct mail and e-mail, removing duplicate information from customer lists, analyzing data, call center operations, database management and providing marketing analysis. These agents have access to our users’ personal information as needed to perform their functions for CashNowLoansOnline.com, but we do not permit them to use our users’ personal information for other purposes.

By agreeing to this Privacy Policy, you authorize us to use your information to obtain other information about you (for example, your Social Security Number) from third-parties when the information was incompletely or improperly filled out on our registration form. Third-parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties, as permitted or required by applicable laws. Any and all Sensitive Information that we collect from you as part of your loan application, and from such third-parties, will be used to determine your eligibility for a loan, should you qualify. If you choose to provide information, such as your Social Security Number, we may use that information to determine your financial status. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer, or services. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by CashNowLoansOnline or your applicable lender in accordance with the terms of that lender's Privacy Policy.

CashNowLoansOnline.com reserves the right to release current or past user information under the following conditions:

(1) CashNowLoansOnline.com believes that the service and/or Website is being or has been used in violation of the Website’s Terms and Conditions or to commit unlawful acts,
(2) if the information is subpoenaed,
(3) if CashNowLoansOnline.com is sold or acquired, or
(4) when CashNowLoansOnline.com deems it necessary or appropriate. By agreeing to these conditions, you hereby consent to disclosure of any record or communication to any third party, when CashNowLoansOnline.com, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your e-mail address with other third-parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission enabling regulations.

By submitting your information at the Website, you agree to receive mobile marketing including, but not limited to, text-message based marketing from us and our third party advertisers and marketers. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via text message-based marketing, in accordance with applicable state and federal law. In addition, by registering and/or using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule"). Even though your telephone number may be listed at the Federal Trade Commission’s Do-Not-Call List, we retain the right to contact you via telemarketing, in accordance with the Rule.

Section 4
Information Collection Processes

CashNowLoansOnline.com may employ "cookies" to help customize your access to the Website. A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at our Website. For instance, by setting a cookie on our Website, a user would not need to log in a password more than once, thereby saving time while on our Website. Even in the case where a user rejects a cookie, they may still use our Website. The only drawback to this is that the user will be limited in what he/she can access in some areas on our Website, much like visitor-level access.

We may occasionally use cookies to anonymously track and target the interests of our users to further enhance the experience on our Website. We may also use cookies for advertising tracking purposes. To find out more about cookies, please visit www.cookiecentral.com.

In addition to cookies, our Website pages and/or e-mails may contain electronic images known as “pixel tags” (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Pixel tags from third parties may also be present on our Website to help determine the effectiveness of a joint promotional or advertising campaign.

Section 5
Electronic Disclosure

You are submitting your information to CashNowLoansOnline.com via the Internet and agree to receive certain notifications, disclosures and/or documents electronically. This Electronic Disclosure and Consent Agreement applies to the information you are providing on this Site and any other communications we may provide to you. By submitting your information you agree to receive all such notifications, disclosures and/or documents in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the application website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. In addition, you cannot withdraw your consent after the submission of your information.

To access, view and retain the notifications, disclosures, and/or documents that we make available to you in electronic form, you must have the following hardware and software (we have included our recommended hardware and system requirements):

An Internet browser that supports 128-bit encryption (Microsoft Explorer 6.0 or higher [7.0 or higher recommended], Firefox 1.5 or higher);
Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit (64mg of memory);
An e-mail account with an Internet service provider and e-mail software in order to receive electronic communications from us (56k modem);
A personal computer (equipped with 133Mhz processor and minimum 800 x 600 screen resolution – 1024 x 768 screen resolution is recommended), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying and either printing or storing Account Documents received from us in electronic form via a plain text-formatted e-mail or by access to our website using one of the browsers specified above.
Adobe® Acrobat Reader (5.0 or higher).
*It is likely that you are already using all the hardware and software you need to access the notifications, disclosures and/or documents electronically as you are accessing this Electronic Disclosure and Consent Agreement via the Internet.

You consent to receive any notifications, disclosures and/or documents in electronic format.
All notifications, disclosures and/or documents that we provide to you in electronic format will be provided either (i) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice we send to you when the documents are available; (iii) by posting on this Site; or (iv) by posting on a website that we designate for that purpose.
All notifications, disclosures and/or documents provided in electronic or paper format from us to you will be considered "in writing," and you should print a copy for your records by using the "print" button in your browser.
You are required to provide us with an accurate and complete e-mail address and other required information requested on this Site.
You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website.
We reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. We will provide you with notice of any such termination or change as required by law.
You agree and we both intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) this Consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our ability to conduct business with you by electronic means.
To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation. You further acknowledge and understand that we will routinely destroy all original and electronic notification, disclosures and/or documentation, but not before the period of time designated by regulatory requirements. We may store records electronically via imaging, scanning, filming or other technology used for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records.
By completing and submitting your information, you (i) confirm your consent to receive notifications, disclosures and/or documents in electronic format; (ii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iii) confirm that you have provided a current e-mail address at which we can send electronic notifications, disclosures and/or documents to you; iv) acknowledge that you have accessed the Consent; and (v) agree to the terms of this Consent.

Section 6
Your Opt-Out Rights

You may opt-out of receiving communications from us and or our third-party partners by not submitting your information. However, during registration and/or when you submit personally identifiable information to us at the Website, you have opted-in to request that we share your personal information (other than your Sensitive Information) with third parties to receive marketing communications. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information. As noted, we use personal information to provide promotional offers by e-mail to our Website users. CashNowLoansOnline.com may prepare and use separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out from receiving any additional e-mail communications regarding the Website, please send your request in writing via e-mail to contact@CashNowLoansOnline.com. In addition, if you subsequently sign up at one of our other websites for other product or service offerings, you will need to again address any information sharing preferences that you had previously established through this Website.

Section 7
Third Party Sites

In certain circumstances, CashNowLoansOnline.com acts as a limited agent for the actual third party lender or seller of the products and/or services available at or through the Website. In these circumstances: (a) you will be redirected to the applicable third party lender’s or seller’s website after you have completed the application page;
(b) we will collect and send your personal information to the respective third party lender or seller in connection with completing your application or purchase from the third party lenders or seller, as applicable; and
(c) your application or purchase will subject you to the third party lender’s or seller’s privacy policy, as applicable.

We do not endorse and are not responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party lenders or sellers that may advertise at the Website. The entities that advertise and/or place banner ads at the Website including, but not limited to, these third party lenders and sellers, are independent third parties and are not affiliated with us.

Section 8
Your Rights to Your Personal Data

Upon receiving your request via postal mail or e-mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your e-mail address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, send your request via e-mail to: contact@CashNowLoansOnline.com.

Section 9
Our Commitment to Children's Privacy

Protecting the privacy of children is especially important. For this reason, we never collect or maintain personal information at our website from those whom we know are under the age of 18 years old. In the event that information is inadvertently collected from children, it will not knowingly be used for any marketing or promotional purposes whatsoever, either inside or outside of our website. If we obtain actual knowledge that such information has been collected, that information will be immediately deleted from our database. The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by persons under 18 years old.

Section 10
Our Right to Contact You

We reserve the right to contact you regarding your account status and changes to subscriber agreements, Privacy Policy, or any other policies or agreements relevant to you.

Section 11
Security

All information collected is stored in a technically and physically secure environment. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all user information. Employees who do not adhere to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

Section 12
Our Right to Change

We reserve the right to change this policy at any time. If changes are made, we will notify you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website. All changes will take effect immediately upon their posting on our Website. Please check this page periodically for changes. Your continued use of the CashNowLoansOnline.com service, Website or acceptance of our e-mails following the posting of changes to this Policy will mean that you accept any and all such changes and that you agree to continue receiving marketing from us and other third party companies.

Section 13
Our Contact Information

If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, you can contact us via e-mail sent to: contact@CashNowLoansOnline.com.

Section 14
Information for ISPs

Web site: CashNowLoansOnline.com
Company Name: CashNowLoansOnline.com
E-mail Address: contact@CashNowLoansOnline.com

CashNowLoansOnline.com understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns that your company may have regarding our e-mail policies.

CashNowLoansOnline.com and its affiliated sites use only an "opt-in or opt out" method of obtaining customer information, and it is not our policy to send unsolicited e-mail. We obtain e-mail addresses and personal information from third parties that follow the same set of policies.

CashNowLoansOnline.com e-mail messages sent include the following information about the origin of the e-mails and include instructions on how recipients can unsubscribe from receiving future e-mail messages:

From time to time, CashNowLoansOnline.com will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case, the third party websites have represented and warranted to us, among other things, that the data was collected voluntarily from individuals on website registrations and co-registrations, that the sellers have a right, under any applicable privacy policies, to transfer the data to us, and that CashNowLoansOnline.com has the right to send marketing offers to the individuals. We hope this information satisfies any questions or concerns you may have regarding the e-mail practices of CashNowLoansOnline.com. If you have additional questions or wish to discuss this matter further, please contact us at contact@CashNowLoansOnline.com.