PRIVACY POLICY FOR BankBesties.com

This Privacy Policy replaces any privacy policy previously delivered to you or appearing on the BankBesties.com website, any transaction agreement, or any other document previously delivered to you. If there are conflicts between this Privacy Policy and any other policy delivered to you, the terms of this Privacy Policy shall control.

This Privacy Policy is effective as of January 1, 2017.

BankBesties.com is committed to protecting the privacy of our website visitors' personally identifiable information ("PII"). This Privacy Policy explains our online information practices and your choices regarding the manner in which your information is used on this website.

ACKNOWLEDGEMENT AND AGREEMENT

BankBesties.com is not intended for use by consumers under the age of 18. By using the BankBesties.com website and participating in any of the websites infomediary services, you consent and agree to accept the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, or if you are not 18 years of age or older, please do not use the BankBesties.com website or participate in our services. This Privacy Policy may be updated from time to time to ensure our visitors are provided with the most accurate information. We will revise this Privacy Policy to reflect any material changes in our practices. You are encouraged to thoroughly read and review this Privacy Policy each time you use the BankBesties.com or participate in any of our infomediary services.

ABOUT US

Through this website, we offer a infomediary service that will attempt to connect you with independent, third-party lenders and financial service providers who may secure a loan for you. BankBesties.com compiles, organizes, and sends contact information to lenders on behalf of individual consumers who have affirmatively requested to be contacted by a representative of a product or service business. BankBesties.com may use third-party affiliates and a variety of advertising mechanisms to market its website and/or services to consumers interested in utilizing our services. The operator of this website is a marketer who is compensated for their services as described in our marketing disclosure and does not endorse or recommend any lender on or through this site. By using BankBesties.com, you consent to our company's use of your personally identifiable information for these purposes. The owner and operator of BankBesties.com is not a lender, does not broker loans, and does not make any credit decisions or dictate any loan terms. We offer a service that will attempt to connect you with third-party lenders who may offer you a loan. Submitting a loan request on BankBesties.com does not guarantee that you will be connected with an independent lender or approved for a loan or cash advance. BankBesties.com makes no warranties, guarantees, or representations that you will be able to qualify for or successfully obtain a loan.

WHAT INFORMATION IS COLLECTED?

Our Website collects certain Personally Identifiable Information ("PII") when you submit a loan request or elect to provide PII to us, such as your name, email address, phone number, address, or social security number. PII includes any information that can be used to identify a particular person, including, without limitation first and last name, address, telephone number, zip code, social security number, date of birth, driver’s license, and/or email address. Your PII may also be used to contact you regarding issues concerning your use of the Website. For record keeping purposes, we will store your PII in a secure manner and for a commercially reasonable period of time for record keeping purposes.

Our Website may also collect certain non-PII about you when you visit the Website, including, without limitation, the type of browser you are using, the type of operating system you are using, and the domain name of your Internet service provider. We use the non-PII that we collect to improve the design and function of the Website and to enable us to personalize your user experience. We also may use this information in the aggregate to analyze Website usage.

HOW DO WE USE YOUR INFORMATION?

BankBesties.com collects information you affirmatively provide to us on our website. By providing us with the required information in our loan request form, you are granting express permission to be contacted by BankBesties.com or our reputable and trusted network of third party lenders who may secure a loan for you. We may share the contact information you submit with our trusted network of independent, third party lenders. BankBesties.com may share the basic information you provide, including your name, phone, and email address, with one of our business partners or affiliates. An "affiliate company" is a company under legal contract with BankBesties.com to fulfill certain services.

Information you provide to BankBesties.com may be used in one of the following ways, though this list is not inclusive:

• To connect you with lenders for the express purpose of delivering the product or service you have requested, such as a short term loan;
• To send periodic communications about our products and services and/or the products and services of one of our trusted third-parties business partners;
• To improve our customer service and overall website experience for consumers

SHARING INFORMATION WITH TRUSTED AFFILIATES

BankBesties.com will never sell, trade, or otherwise transfer personally identifiable information to outside, unaffiliated parties. We may share the information you provide us with trusted third party lenders in our network, business partners, and affiliates for the purposes of operating our website, providing consumers with our infomediary services, or fulfilling your loan requests. BankBesties.com reserves the right to disclose your personally identifiable information as required by law and when our company believes that disclosure is necessary to protect our rights and/or comply with any judicial order or legal process served on our website.

THIRD PARTY LINKS

BankBesties.com may include, at our discretion, links to other websites belonging to independent, third parties or products and/or services of third parties on our website, including the website of the lender you may be connected with. Please understand that BankBesties.com is not responsible for the privacy practices of third party websites. We strongly encourage consumers to read the privacy policies of every website they visit when leaving BankBesties.com, including the privacy practices and terms and conditions of any lender website. This Privacy Policy is applicable solely to BankBesties.com. Third party websites will have different and independent privacy practices and we have no responsibility or liability for the content and activities of these linked sites.

COOKIES

When you use this Website, we may collect certain information by automated or electronic means, using technologies such as cookies, pixel tags and web beacons, browser analysis tools, and web server logs. As you use the Website, your browser communicates with servers operated by us to coordinate and record the interactivity and fill your requests for services and information. The information from cookies and related technology is stored in web server logs and also in web cookies kept on your computer, which are then transmitted back to us by your computer. Cookies allow us to recognize you when you return and track and target your interests in order to provide a customized experience. They also help us provide a customized experience and help us to detect certain kinds of fraud. A "cookie" is a small amount of information that a web server sends to your browser that stores information about your account, your preferences, and your use of the Website. Some cookies are temporary, whereas others may be configured to last longer. We use persistent cookies for a number of purposes, such as retrieving certain information you have previously provided and storing your preferences. Your browser preferences can be modified to accept or reject all cookies, or request a notification when a cookie is set.

Pixel tags and web beacons are tiny graphic images placed on website pages or in e-mails that allow us to determine whether you have performed specific actions. When you access these pages or open e-mail messages, the pixel tags and web beacons generate a notice of that action to us. These tools allow us to measure response to our communications and improve our website. We collect many different types of information from cookies and other technologies. For example, we may collect information regarding your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone of your device. We may also collect the Internet Protocol addresses of the device you use to interact with the Website. An Internet Protocol address is a unique identifier that a device uses to identify and communicate with on the Internet. In many cases, the information we collect using cookies and other tools is used in non-identifiable ways, without any reference to PII. For example, we use information we collect about Website users to optimize the Website and understand its traffic and usage patterns.

SMS POLICY AND TELEPHONE CONSUMER PROTECTION ACT (TCPA)

You agree that by submitting your information and telephone number on our website, you are providing express written content and agree to receive telemarketing calls, auto-dialed calls, pre-recorded calls, text messages ("SMS Messages"), from us and our designated third-party advertisers and service providers, including but not limited to Loans Leader. Your consent is not required to submit a request or purchase any goods or services. Our website strives to remain in full compliance with the provisions of the Telephone Consumer Protection Act (TCPA) and therefore, we do not call, send SMS messages, or send voicemails to any consumer without the consumer's prior express consent. You understand that standard data and messaging rates apply to all SMS correspondence and that all charges are billed by and payable to your mobile service provider. You further represent that you are the owner/authorized user of the wireless device on which messages will be received. SMS message services are provided on an AS IS basis and we do not guarantee that your use of the SMS Service will be secure or free of error. You may opt out of the SMS Service at any time by replying "STOP" or "OPT-OUT" to the SMS text message you have received or clicking the Opt-Out link on the text message you have received. Notwithstanding that your mobile telephone number may be listed on Federal or State Do-Not-Call registry, we retain the right to contact you via SMS Messages once you have provided express written consent.

LOANS LEADER SMS ALERTS & REMINDERS SMS TERMS & CONDITIONS

Signup for an SMS alert to receive a one-time message with a secure link to your request and additional offers. Or you can signup for SMS Alerts and receive recurring monthly messages with additional offers. To Opt-Out at any time, text the word STOP to the short code provided or click the Opt-out link in the message. For help, text the word HELP. Message and Data Rates May Apply. For additional support: info@BankBesties.com. Based on program Opt-In, you'll receive a one-time text message or recurring monthly messages. This service is available on all Supported U.S. Carriers. Messages may be delayed or undelivered for various factors. Client, carriers (including, but not limited to, T-Mobile) and any service providers utilized by Client to send messages are not liable for delayed or undelivered messages.

"DO NOT TRACK" SIGNALS—CA RESIDENTS

The California Assembly Bill 370 amends the California Online Privacy Protection Act in 2013 and requires operators of commercial websites like BankBesties.com to disclose the following information: How websites respond to "Do Not Track" signals; and Whether third parties collect personally identifiable information (PII) about users when they visit websites.

BankBesties.com does not engage in collection of personally identifiable information about consumer's online activities across third-party websites or over time. BankBesties.com does not honor "do not track" signals. Consumers who use "do not track" signals will still have access to our website. BankBesties.com never allows third parties to collect personally identifiable information about an individual consumer's online activities over time and across different sites when a consumer uses our website.

CALIFORNIA ONLINE PRIVACY PROTECTION ACT COMPLIANCE

Our website has taken the necessary and substantial steps to remain in full compliance with the California Online Privacy Protection Act. Our company does not distribute your personally identifiable information to outside, unaffiliated parties without your express, informed consent. California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please contact us.

CHILDREN'S ONLINE PRIVACY PROTECTION ACT COMPLIANCE

BankBesties.com is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children's Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, our company will take immediate remedial measures to remove that individual from our user database.

HOW IS THE INFORMATION I PROVIDE TO YOU PROTECTED?

BankBesties.com is serious about protecting consumer information and we have implemented a variety of security technologies and procedures to protect your personal information from unauthorized access, use, or disclosure. These include the use of firewalls and 256-bit Secure Sockets Layer (SSL) protection. In the event of a security breach, BankBesties.com will promptly notify any effected consumers in a timely manner while taking all immediate and reasonable actions to remedy the breach. Despite our diligent protective measures and security technologies, the internet is never "security-proof" and therefore, we disclaim any liability for any injury due to a security breach that compromises your personal information.

CONFIDENTIALITY AND SECURITY

BankBesties.com restricts access to nonpublic, personal information about you to those employees who must know that information to provide products and/or services to consumers. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use. Preserving the accuracy of your information is a shared responsibility and we ask consumers to provide our company with any update to your records when you notify us of a change. Please contact us when information concerning you changes.

OPT-IN / OPT-OUT AND UNSUBSCRIBE

BankBesties.com, our affiliates, and our network of trusted lenders may contact you to promote and offer products and services that may be of interest to you. Consumers who requested to be contacted through our website's online forms or through any Opt-in process of our business partners and/or affiliates may be contacted via e-mail or telephone. If you do not wish to receive these emails, telephone solicitations, or other forms of contact from our company or affiliates partners, you may unsubscribe or opt-out at anytime, no questions asked, by visiting our Unsubscribe Page. You may also Unsubscribe by sending us an email at remove@BankBesties.com, with the words "Unsubscribe" or "Opt-Out" in the subject line to opt-out from receiving future communications.

After we receive this information, we will locate the contact information you had provided to our company and will immediately remove it from our database and mailing lists.

GRAMM LEACH BLILEY ACT COMPLIANCE

This Privacy Policy shall serve as your initial customer relationship and annual "privacy notice" as defined under the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the "GLB Act"). If you would like to opt-out from the disclosure of your personally identifiable information to any third-party for advertising or marketing purposes, please unsubscribe by following the steps provided above in our "Opt-in/Opt-Out and Unsubscribe" section above.

BankBesties.com TERMS OF USE

LAST REVISED: January 1, 2017

These Terms of Use ("Terms") govern the use of the website BankBesties.com ("we," or "us"). By accessing and using the website, you accept and agree, without limitation, to the following terms. Following any change to the Terms of Use constitutes your agreement to those changes. If at any time you choose not to accept the Terms of Use that are in effect at such time, you should not access or use the website. It is your responsibility and you are encouraged to thoroughly read and review these Terms of Use each time you use the BankBesties.com website and participate in any of the website's services.

ACKNOWLEDGMENT

By using BankBesties.com, you affirm that you are over the age of 18 and that you are able to form a binding, legal contract. BankBesties.com is not intended for use by consumers under the age of 18. You agree not to use the website for any purpose that is unlawful or prohibited by these Terms of Use. Our Privacy Policy is incorporated into, subject to, and made part of these Terms of Use. BankBesties.com provides an infomediary service that will attempt to connect you with third party lenders and we do not charge you a fee for the use of our website or services. Our website is free to use. However, the owner of this website has a financial connection to the providers of the goods and services referred to on the website. The owner may receive payment for each qualified sale or payment for each potential customer referral.

THIRD PARTY CONTENT AND LINKS TO THIRD PARTY WEBSITES

BankBesties.com may, from time to time, (i) link to other sites that we feel may be useful to you, and (ii) post content to our website that is supplied by third parties, including independent third party lenders (collectively "Third Party Content"). Third Party Content is not under the control of BankBesties.com. BankBesties.com makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of Third Party Content, any services accessible by hyperlink or referred from our website, links contained in any Third Party Content, or any review, changes, or updates to a third party website or for third party websites that link to our website. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties in Third Party Content are those of the respective authors or distributors and not of BankBesties.com. The existence of such third party links should not be considered an endorsement or recommendation of those websites or any products and/or services offered on those websites. It is important to note that once a consumer leaves our website, these Terms of Use do not govern your use of any third party website, including your lenders website, and consumers are encouraged to review the applicable terms of use and privacy policies of any third party websites.

INTELLECTUAL PROPERTY

All information, materials, images, photographs, articles, functions, text, and other content provided by or on behalf of BankBesties.com on this website (collectively, "website content") are the sole property of BankBesties.com. The website and all of its content and the selection and arrangement thereof, are protected under the copyright laws and other intellectual property laws of the United States. BankBesties.com reserves all rights, in and to the website and the website content. Unless otherwise noted, the BankBesties.com name and all other trademarks, service marks, trade names, logos or other designations of source displayed on the website are the property of BankBesties.com, its affiliates, or licensors. You may not distribute, display, or disseminate any such documents, pages, images, materials or content without the prior, express written consent of BankBesties.com. Nothing contained on this website shall be construed as conferring any right or license under any trademark, copyright, or other intellectual property right. Any unauthorized use of this website or any of the website content will terminate the permission or license granted herein and may violate applicable copyright and intellectual property law. You will not alter, adapt, or otherwise modify any part of the website or website content.

INDEMNITY

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS BankBesties.com, ITS AFFILIATES, LICENSORS, AND BUSINESS PARTNERS, INCLUDING WITHOUT LIMITATION, BankBesties.com'S SERVICE PROVIDERS, NETWORK OF LENDERS, AND BANKS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND REPRESENTATIVES FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, FOR ANY CLAIMS, CAUSES OF ACTIONS, PROCEDURES OR ALLEGATIONS ARISING OUT OF OR RELATING TO ANY VIOLATION OF THESE TERMS, YOUR USE OF THE WEBSITE, WEBSITE CONTENT OR USER CONTENT (INCLUDING BUT NOT LIMITED TO INFRINGEMENT OF THIRD PARTIES' WORLDWIDE INTELLECTUAL PROPERTY RIGHTS OR NEGLIGENT OR WRONGFUL CONDUCT) BY YOU OR ANY OTHER PERSON ACCESSING THE WEBSITE ON YOUR BEHALF. BankBesties.com RESERVES THE RIGHT, AT ITS OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO DEFENSE BY YOU.

DISCLAIMER OF WARRANTIES

BankBesties.com UTILIZES REASONABLE EFFORTS TO ENSURE THE INFORMATION PRESENTED ON THIS WEBSITE IS ACCURATE, BUT CANNOT GUARANTEE SUCH ACCURACY. THE WEBSITE, THE WEBSITE CONTENT, AND USER CONTENT ARE MADE AVAILABLE "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT OR ENJOYMENT. WE MAKE NO GUARANTEE THAT THE WEBSITE CONTENT OR USER CONTENT ON THE WEBSITE IS UP-TO-DATE, ACCURATE, OR COMPLETE, AND YOU SHOULD NOT RELY ON THE WEBSITE FOR ANY DECISION OR TO TAKE ANY ACTION. WE HEREBY DISCLAIM ANY WARRANTY THAT THE WEBSITE CONTENT OR USER CONTENT ON THE WEBSITE WILL BE FREE OF INTERRUPTION, FREE OF ERRORS, OR THAT THE WEBSITE IS FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES SHALL BankBesties.com, ITS AFFILIATES, BUSINESS PARTNERS, AND/OR ANY OTHER PARTIES INVOLVED IN DEVELOPING, PRODUCING, OR DELIVERING THIS WEBSITE SHALL BE HELD LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE DAMAGES, OR ATTORNEY'S FEES ARISING OUT OF A CONSUMER'S ACCESS TO, OR USE OF, THIS WEBSITE. YOUR SOLE AND EXCLUSIVE REMEDY AND BankBesties.com'S SOLE AND EXCLUSIVE LIABILITY TO YOU FOR ANY REASON SHALL BE FOR YOU TO DISCONTINUE YOUR ACCESS TO OR USE OF THE WEBSITE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

COMPLIANCE WITH APPLICABLE LAWS

You agree to comply with all applicable federal, state, and local laws, regulations and rules that apply to your activities when using the website. BankBesties.com reserves the right to terminate any account with respect to this website and to prevent your use of the website if such account is used to engage in illegal activity or to violate these Terms of Use. BankBesties.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities.

PRIVACY PRACTICES

Our Privacy Policy is incorporated into, subject to and made part of these Terms. Click here to review our website's Privacy Policy.

LOAN REQUEST ACCEPTANCE POLICY

Your receipt of an order confirmation does not signify any acceptance of your loan request, nor does it constitute confirmation of any offer to fund. BankBesties.com reserves the right at any time to accept or decline your loan request for any reason or no reason at all. BankBesties.com may require additional verifications or information before accepting any loan request. Our website is not responsible for requests that cannot be funded or unsuccessful funding requests arising from an applicant's ineligibility to qualify for funding.

MODIFICATION

BankBesties.com reserves the right to modify these Terms of Use from time to time. Your use of the website after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions. These Terms govern your current visit to the website, not any future visit. As your next visit to the website may be governed by different terms posted at this page and you should review the terms on this page each time that you visit the website.

SEVERANCE

These Terms of Use operate to the fullest extent permissible by law. If any provision of these Terms is held unlawful, void, or unenforceable, that provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. The headings used in these Terms of Use are intended for convenience only, and shall not affect the drafting or interpretation hereof or thereof.

NO WAIVER OF TERMS

BankBesties.com's failure to enforce any provision of these Terms of Use shall not be construed as a waiver of such or any future provision.

LAW AND VENUE

These Terms of Use, and the interpretation, performance, and enforcement of your and BankBesties.com's rights and duties, shall be construed in accordance with the laws of the State of Nevada, except for any conflict or choice of law principle thereof that would lead to the application of another jurisdiction's laws to the rights and duties of the parties. You and BankBesties.com consent to exclusive jurisdiction and venue in the federal and state courts sitting in Clark County, Nevada.

USE OF BankBesties.com

BankBesties.com reserves the right, its sole discretion, to restrict, in whole or in part, your use of the website, any website content, and any third party's user content at any time with or without notice for any or no reason.

MISCELLANEOUS

BankBesties.com makes no representations that the website is appropriate or available for use in locations outside of the United States. By offering this website and its content, no distribution or solicitation is made by BankBesties.com to any person to use the website or its content in any jurisdiction where the provision of this website is prohibited by law. You affirmatively agree to obey all federal, state, and local laws, regulations, and rules that apply to your activities when you use the website. All rights not expressly granted are reserved to BankBesties.com.

If you have any dispute concerning any aspect of these Terms of Website Use, the Website, or any of our services, you agree to submit your dispute for resolution by arbitration before the American Arbitration Association ("AAA") in the county where you live by filing a Demand for Arbitration. The arbitrator will have exclusive authority to resolve any dispute including any claim that all or any part of these Terms of Website Use are unenforceable. Opt-Out of Arbitration/Class Action Waiver. The Terms & Conditions do not constitute 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 provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. You may opt-out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days of the date that you first register on the Loans Leader Website. YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.

CONTACT INFORMATION

If you have any questions regarding these Terms, you may contact us here.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES

You are submitting a request to be connected with independent, third party lenders ("Third Party"). In order to offer you services, these independent, third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This disclosure notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link consenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

OPTION FOR PAPER OR NON-ELECTRONIC RECORDS

You may request any Disclosures in paper copy by contacting the independent, third party lenders directly. They will provide paper copies at no charge and will likely retain all Disclosures as applicable law requires.

SCOPE OF CONSENT

This E-Consent applies to all interactions online concerning you and the independent, third party lenders and includes those interactions engaged in on any mobile device, including, smart-phones and tablets. By exercising this E-Consent, the third party may process your information and interact during all online interactions with you electronically. The third party may also send you notices electronically related to its interactions and transactions.

CONSENTING TO DO BUSINESS ELECTRONICALLY

Before you decide to do business electronically with a third party lender, you should consider whether you have the required hardware and software capabilities described below.

HARDWARE AND SOFTWARE REQUIREMENTS

To access and retain the Disclosures electronically, you may need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe®. You may need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lender.

WITHDRAWING CONSENT

Your E-Consent for our infomediary services and for our third party's consideration of your request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more independent, third party lenders, you are free to withdraw your E-Consent with those lenders at any time and at no charge. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.

CHANGES TO YOUR CONTACT INFORMATION

You should keep any independent, third party lenders you may be connected with informed of any change in your electronic address or mailing address. You may update such information by logging into the third party's website or by sending the third party a written update by mail.

CONSENT

BY CLICKING THE LINK, YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY AND CONSENT TO THESE TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS AS DESCRIBED ABOVE. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH ANY THIRD PARTIES, INCLUDING INDEPENDENT THIRD PARTY LENDERS, ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

• Cash Advance/Payday Loan. What is it?

  A cash advance payday loan is a short-term loan that is very useful for financial emergencies. The amount of money loan is based on the amount of money a person makes. It is perfect for people who have really bad credit or no credit at all. Many people who request cash advance loans would not normally be able to obtain loans from a traditional bank.

• What are the minimum requirements for submitting a loan request?

  There are certain requirements one has to fulfill in order to submit a request for a cash advance loan. Borrower must:

  • be a United States Citizen
  • be at least 18 years old
  • have a job that pays a certain amount of income
  • have direct deposit to a bank account

• What is the process of getting a cash advance?

  Getting a cash advance is extremely simple. Most people get cash deposited directly into their account. It is not a long process. It is just a matter of filing out a form and getting approved. Once approved, your money will be transferred to your account.

• What if I have a bad credit history?

  There is no need to worry if you have a bad credit history. Even people with bad credit history can get access to cash advances. Many people who would not get the chance from a traditional bank, can get cash as early as next business day. Simply by filling out a form online, one can get access to money to pay back bills.

• How long does it take to get a cash advance?

  It doesn't take long to get cash. It is really a matter of filling out a form online. The form asks very basic questions. Most times, people can get cash as early as next business day.

• Will I need to print or fax anything?

  Part of the advantage of these loans is that most of the participating lenders require no papers to be printed or faxed in order to request a loan. However it is important that you have a printer to print out the loan documents for your own records.

• How much does it cost to get a cash advance?

  Please remember that we are not a lender and we do not provide lending services directly to consumers. Submitting your registration through us incurs absolutely no cost. We are paid by the Participating Lenders or network of Participating Lenders to whom we referred you for each potential customer referral. Even if you turn down the loan or exit the process at any time, our service remains FREE of charge to you.

• What is the repayment process?

  The loan amount and loan fees are withdrawn from your checking account automatically on the due date of your loan by The Lender. You don't even need to think about it! You don't need to make any payments or visit any store. You can also request an extension if you need it by contacting your lender before the due date. Additional fees by The Lender do apply to loan extensions.

• What happens if I am late on a payment or need to skip a payment?

  Each Participating Lenders has their own policies pertaining to late payments. The Participating Lender's policy, including the additional charges you will incur, is detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan. Once you have signed the Participating Lenders loan documents, you will be expected to understand and abide by the loan terms including the additional charges and/or interest if your repayment is late. If you are not able to make the payments timely, please contact your Participating Lending as soon as you are aware the loan will be late and work with them, but remember additional fees and interest may apply.

• What if I don't make a payment at all?

  Additional fees, and charges by The Lender may apply to you in the event that you do not repay your loan. Please remember that refusal or failure to pay may result in legal action against you by The Lender in an attempt to collect the loan amount, interest and costs of collections.
  It is important to remember that we are not a lender and do not provide lending services directly to consumers.

• Is there an option to refinance an existing loan?

  Loan renewal policies are largely governed by State statute. In states where rollovers or extensions are allowed, interest rates, and late fees may be added to the original loan amount and that can result in a substantial increase to the amount you will be required to payback. Again, be sure to read the Participating Lenders loan terms in carefully and thoroughly before signing the initial loan contract.

If you still have questions after reading our Frequently Asked Questions section, please do not hesitate to contact us below.

Please note that we are not a lender. Any questions pertaining to your loan should be directed to your lender; we have no information on your loan, your pending request, or your rates and fees. To stop receiving marketing emails, click here.

Address:
3651 Lindell Road Suite D1137 Las Vegas, NV 89103 United States

Please remember that BankBesties.com is not a lender and does not provide lending services directly to consumers. Submitting your registration through BankBesties.com, incurs absolutely no cost. We are paid by the Participating Lenders or network of Participating Lenders to whom we referred you for each potential customer referral. Even if you turn down the loan or exit the process at any time, our service remains FREE of charge to you.

The Truth in Lending Act requires that the Participating Lender with whom you are connected discloses all loan fees and interest rates that you will incur if you accept the terms of the loan. Thus, your lender will provide to you before you are asked to sign the loan documents, a document that provides a full disclosure of all fees and rates pertaining to the loan being offered by the Participating Lender. Please review the fee and rate information provided to you thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms with the Participating Lender has given to you are acceptable, the lender will direct you as to how to e-sign for your loan. If you decide they are not acceptable, you may exit the process at any time with no penalties or payment of any type.

The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted. BankBesties.com has no bearing on the determination of these fee amounts and interest rates. You are under no obligation to continue with the loan process if you find these terms are unsuitable.

Participating Lender’s Interest rates.

The loan fees and interest rates are determined solely by the Participating Lender, with specific amounts determined based upon the information you submitted. BankBesties.com has no input on the amount of fees charged to your or the interest rate provided by the Participating Lender. Again, you are under no obligation to continue with the process if, at any time before signing the loan documents, you find the Participating Lender’s terms unacceptable.

Interest rates charged by the Participating Lender are generally higher than a traditional loan for a similar amount issued by a bank or credit institution. However, bank loan requirements and terms are often much more stringent, and are not available as quickly as a payday or cash advance loan. With our Participating Lenders, you usually receive your cash within 1 business day of signing the loan documents. You will never be charged any fees by BankBesties.com.

Late Payment Policy:

Each Participating Lenders has their own policies pertaining to late payments. The Participating Lender’s policy, including the additional charges you will incur, is detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan. Once you have signed the Participating Lenders loan documents, you will be expected to understand and abide by the loan terms including the additional charges and/or interest if your repayment is late. If you are not able to make the payments timely, please contact your Participating Lending as soon as you are aware the loan will be late and work with them, but remember additional fees and interest may apply.

Failure to Pay / Non-Payment Policy:

Additional fees, and charges by The Lender may apply to you in the event that you do not repay your loan. Please remember that refusal or failure to pay may result in legal action against you by The Lender in an attempt to collect the loan amount, interest and costs of collections.

It’s important to remember that BankBesties.com is not a lender and does not provide lending services directly to consumers.

Loan Renewal Policy:

Loan renewal policies are largely governed by State statute. In states where rollovers or extensions are allowed, interest rates, and late fees may be added to the original loan amount and that can result in a substantial increase to the amount you will be required to payback. Again, be sure to read the Participating Lenders loan terms in carefully and thoroughly before signing the initial loan contract.