Interpretation and Definitions

Interpretation

The words whose initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in the singular or plural.

Definitions

For these Terms and Conditions:

Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Payday Loan Interest, a financial services company operating under Texas state law.

Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

Loan Services means the payday loan matching, referral, and informational services provided through the Website, including but not limited to loan comparisons, interest rate information, and connections to third-party lenders.

Service refers to the Website and all Loan Services provided therein.

Terms and Conditions (also referred to as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

Third-party Lender means any licensed lending institution or financial service provider that may be recommended, referenced, or connected through our Service.

Website refers to Payday Loan Interest, accessible from https://paydayloaninterest.com/

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms and Conditions. If you disagree with any part of these Terms and Conditions, then you may not access the Service.

You represent that you are over the age of 18 and have the legal capacity to enter into financial agreements. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes our policies and procedures on the collection, use and disclosure of your personal information when you use the Website and tells you about your privacy rights and how the law protects you. Please read our Privacy Policy carefully before using our Service.

Nature of Our Service

Information and Referral Service

The Company provides informational services regarding payday loans, including interest rate comparisons, loan terms, and referrals to third-party lenders. We do not directly provide loans or extend credit.

No Guarantee of Loan Approval

The Company does not guarantee that you will be approved for any loan or that you will receive any specific terms or interest rates. All lending decisions are made solely by third-party lenders.

Educational Content

Information provided on our Website is for educational purposes only and should not be considered as financial advice. You should consult with qualified financial advisors before making borrowing decisions.

Financial Disclosures

Interest Rates and Fees

Payday loans typically carry high interest rates and fees. Annual Percentage Rates (APRs) can range from 200% to 600% or higher. You should carefully consider the total cost of borrowing before proceeding with any loan.

Repayment Terms

Payday loans are typically short-term loans with repayment periods of 14 to 30 days. Failure to repay on time may result in additional fees, penalties, and potential damage to your credit score.

Borrowing Risks

Payday loans should only be used for short-term financial needs and are not recommended as a long-term financial solution. Consider alternatives such as personal loans from banks, credit unions, or financial assistance programs.

Third-Party Lender Relationships

Independent Lenders

Third-party lenders recommended through our Service operate independently. The Company is not responsible for its lending decisions, terms, or collection practices.

Referral Compensation

The Company may receive compensation from third-party lenders for successful referrals. This compensation does not affect the terms offered to you but may influence which lenders are featured on our Website.

User Responsibilities

Accurate Information

You agree to provide accurate, current, and complete information when using our Service. Any false or misleading information may result in the termination of access.

Compliance with Laws

You agree to comply with all applicable federal, state, and local laws regarding borrowing and financial transactions.

Responsible Borrowing

You acknowledge that payday loans carry significant financial risks and agree to borrow responsibly within your means.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions.

Upon termination, your right to use the Service will cease immediately.

Limitation of Liability

IMPORTANT NOTICE: The Company provides informational and referral services only. We are not a lender and do not make lending decisions.

Notwithstanding any damages that you might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms and your exclusive remedy for all of the foregoing shall be limited to the amount paid by you to the Company for our services, or USD 500 if you haven’t paid for any services.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, concerning the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice.

Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

The Company makes no warranties about the accuracy, reliability, or availability of loan information, interest rates, or third-party lender services. All loan terms and conditions are subject to change by third-party lenders.

Governing Law

The laws of the State of Texas, United States, excluding its conflicts of law rules, shall govern these Terms and your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws.

Disputes Resolution

If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company.

For disputes that cannot be resolved informally, you agree to binding arbitration by the rules of the American Arbitration Association, with proceedings held in Texas, United States.

Regulatory Compliance

State Licensing

The Company operates in compliance with Texas state laws regarding financial services and loan referrals. Third-party lenders are responsible for their own licensing and regulatory compliance.

Federal Laws

Our Service complies with applicable federal laws including the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), and Equal Credit Opportunity Act (ECOA).

For European Union (EU) Users

If you are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident.

United States Legal Compliance

You represent and warrant that (i) you are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) you are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party’s ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to you on our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice before any new terms take effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use Our Service after those revisions become effective, you agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us:

• By email: info@paydayloaninterest.com
• By mail: [Company Address – Please insert actual business address]
• Phone: [Company Phone Number – Please insert actual phone number]

IMPORTANT LEGAL NOTICE: This document has been customized for informational and referral services related to payday loans. Given the highly regulated nature of financial services, we strongly recommend that this document be reviewed by a qualified attorney specialising in financial services law before implementation. State and federal regulations may require additional disclosures or modifications to these terms.