Welcome to G&S Cash Advance: Borrow Money. These Terms and Conditions ("Terms") form a binding agreement between you ("User," "you," or "your") and G & S CASH ADVANCE, LLC ("G&S Cash Advance: Borrow Money," "Company," "we," "us," or "our"). These Terms govern your use of the G&S Cash Advance: Borrow Money mobile application (the "App") and any related services. By accessing or using the App, you agree to these Terms. If you do not agree, you must discontinue use immediately.
1. Our Services
G&S Cash Advance: Borrow Money provides a platform that connects users with independent third-party lenders ("Lenders").
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We are not a lender, do not make credit decisions, and do not issue loans.
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G&S Cash Advance: Borrow Money facilitates submission of loan requests and may display offers from Lenders based on the information you provide.
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We do not guarantee approval, specific loan amounts, or particular terms such as interest rates or repayment schedules. Any loan agreement is strictly between you and the Lender.
1.1 Loan Terms
Loans available through our Lender network typically carry an Annual Percentage Rate (APR) between 6.99% and 35.99%. Actual rates and terms depend on your credit profile, income, and criteria set by the Lender.
1.2 Representative Example
If you borrow $200 for 12 months at an APR of 11.5%, your monthly payment would be about $17.78. Over 12 months, the total repayment would be $213.38, with approximately $13.38 in total interest.
1.3 Repayment Terms
Lender repayment periods generally range from 3 to 24 months. Exact schedules and terms will be disclosed directly by the Lender.
2. Eligibility
To use the App, you must:
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Be at least 18 years old
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Reside in the United States
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Have the legal capacity to enter into a binding agreement
By using the App, you confirm you meet these requirements.
3. Account Registration and Security
Some features may require creating an account. You agree to:
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Provide accurate and up-to-date information
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Keep login credentials secure
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Accept responsibility for all account activity
We may suspend or terminate accounts suspected of fraudulent or unlawful use.
4. Loan Offers and Third-Party Lenders
G&S Cash Advance: Borrow Money is not a party to agreements between you and any Lender. We do not endorse or guarantee Lender products. It is your responsibility to carefully review all loan terms before accepting an offer.
5. No Guarantee of Approval
Submitting a request does not guarantee a loan offer or approval. Approval decisions rest solely with the Lenders.
6. Fees and Charges
G&S Cash Advance: Borrow Money does not charge users any fees for submitting loan requests. However, Lenders may impose fees, such as:
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Origination fees
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Late payment penalties
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Non-sufficient funds (NSF) fees
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Interest charges
You are responsible for reviewing and accepting any fees outlined in your loan agreement.
7. User Conduct
You agree not to:
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Violate applicable laws or regulations
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Submit false or misleading information
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Attempt to disrupt or interfere with App functionality
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Access data not intended for you
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Breach App security systems
8. Privacy and Data Collection
Use of the App is governed by our Privacy Policy, which explains how we collect, use, and safeguard your personal information. By using the App, you consent to those practices.
9. Disclaimer of Warranties
The App is provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee uninterrupted operation, error-free performance, or complete security of the App.
10. Limitation of Liability
To the maximum extent allowed by law, G & S CASH ADVANCE, LLC is not liable for indirect, incidental, consequential, or punitive damages related to your use of the App or interactions with Lenders.
11. Indemnification
You agree to indemnify and hold harmless G & S CASH ADVANCE, LLC, its officers, employees, and affiliates from claims, damages, or expenses resulting from:
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Your violation of these Terms
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Your misuse of the App
12. Changes to These Terms
We may update these Terms at any time. Updates take effect once posted in the App. Continued use after updates constitutes acceptance of the revised Terms.
13. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules. Disputes must be resolved through binding arbitration in Wyoming, unless otherwise prohibited by law.
14. Contact Information
For questions regarding these Terms, contact us:
G & S CASH ADVANCE, LLC
Email: support@gscashadvance.com