Terms of Use | Lend-A-Dollar: Personal Loans, Lines of Credit, Cash Advance

This document describes the Terms of Use related to our website

This website and the services of Florida Financial Management, LLC d/b/a Lend A Dollar and its licensed affiliates available via this website (the “Site”) are provided subject to the terms described herein, together with those terms set forth in any Lend A Dollar loan application or application for credit services you may complete and submit, and any loan agreement, credit services agreement or other agreement that may be entered into by and between you and Lend A Dollar or its third party lender, as applicable. If you visit the Site, you agree to be bound by these Terms of Use.

Lend A Dollar reserves the right to make changes at any time to the Site or these Terms of Use. Any modifications to these Terms of Use will be effective upon posting. Your continued use of the Site following posting of any revised Terms of Use will constitute acceptance of the modified Terms of Use.

Use of the Site

The Site may include information regarding Lend A Dollar and its services, and/or other materials proprietary to Lend A Dollar, as well as links to third party websites. You may download, view, copy and print such information and materials and any other aspect of this Site (i) solely for your personal, non-commercial purposes; and (ii) provided that no proprietary notices or disclaimers therein are modified, obscured or altered.

You agree you will not interfere, in any way, with others’ use of, or access to the Site, and will not attempt to gain unauthorized access to the computer system of any other Site user. You further agree not to take any other action in connection with your use of the Site which violates any local, state, national or international law, rule, regulation or order of any court in conjunction with your use of the Site.

You agree to access the Site through a web browser, and specifically agree not to use any third party applications to access the Site or any page of the Site. You further agree that you will not use any robot, spider or other automatic device, manual process or application or data mining or extraction tool to access, monitor, copy or use the Site. You also agree not to take any other action that imposes an unreasonable or disproportionately large load on the Site.

Except as expressly provided herein, you may not use, download, upload, reproduce, copy, duplicate, print, display, perform, republish, sell, license, post, transmit, disseminate, redeliver using parsing or "framing technology," otherwise distribute, or commercially exploit in any way, the Site or any portion thereof or any information or content on the Site, without the prior written permission of Lend A Dollar. In addition, you agree not to link to any page of the Site other than the home page located at www.lendadollar.com.

Unauthorized Use of the Site

Lend A Dollar reserves the right to investigate and take legal action against any illegal and/or unauthorized use of the Site or any services provided via the Site. Lend A Dollar’s decision not to pursue legal action for any violation of these Terms of Use shall not be construed as a waiver of any provision of these Terms of Use or any legal rights of Lend A Dollar.

Denial of Access

Lend A Dollar may prohibit you from using or accessing the Site, in whole or in part, for any or no reason, at any time, in its sole discretion, without notice to you.

Trademarks and Copyrights

Lend A Dollar, its logo and other marks displayed on the Site are the proprietary service marks or trademarks of Lend A Dollar and/or relevant third parties and affiliates. Lend A Dollar’s marks and those of its affiliates, may not be used in connection with any product or service that is not Lend A Dollar’s, in any manner that is likely to cause confusion among consumers, or to disparage or discredit Lend A Dollar. All other trademarks and service marks not owned by Lend A Dollar that appear on the Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Lend A Dollar. You may not use, copy, modify or display any of the trademarks, service marks, names or logos appearing on the Site without the express written permission of the respective owner thereof.

All content on this Site, including, but not limited to, works of authorship, software, design, text, graphics, photos, logos, button icons, images and data compilations; any improvements or modifications to such content; any derivative works based thereon; and the collection, arrangement and assembly of all content on this Site, are the property of Lend A Dollar or its licensors and are protected by United States and international copyright and other intellectual property laws.

Nothing in these Terms of Use shall be deemed to grant to you or any other user any license or right in, or to, any copyright, trademark, trade secret or other proprietary right of Lend A Dollar or any other person.

Links to Third Party Sites

You acknowledge that, at any time, Lend A Dollar may provide links to the websites of third parties via the Site. Lend A Dollar is not responsible for the content of any links, or any products, services or other materials relating to any linked site, or any link contained in a linked site. The display of any link does not imply endorsement by Lend A Dollar of the linked site or any content therein. IN NO EVENT WILL LEND A DOLLAR BE LIABLE, DIRECTLY OR INDIRECTLY, TO ANYONE FOR ANY DAMAGE OR LOSS ARISING FROM OR RELATING TO ANY USE, CONTINUED USE OR RELIANCE ON ANY PRODUCTS, SERVICES OR OTHER MATERIALS RELATING TO ANY LINKED THIRD PARTY SITE, OR ANY LINK CONTAINED IN A LINKED SITE.

Mobile Text Message (SMS) Use

When you opt-in to the service, we will send you a message to confirm your signup. Reply YES to your invitation message to sign up. Message and data rates may apply. Message frequency varies. Text "HELP" for help. Text "STOP" to cancel.

You can cancel this service at any time. Just text "STOP" to 82479. After you send the message "STOP" to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, contact our customer service at [email protected] or verify your number again in the Customer Portal or a Mobile App. (Message frequency varies)

If at any time you forget what keywords are supported, just text "HELP" to 82479. After you send the message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Participating carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

For all questions about the services provided by this short code, you can send an email to [email protected] or call us at 855-675-LEND

If you have any questions regarding privacy, please ready our Privacy Policy.

Disclaimer of Warranties and Limitation of Liability

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE, OR ANY INFORMATION, CONTENT, SERVICES AND MATERIALS CONTAINED IN, ACCESSED VIA, OR DESCRIBED ON THE SITE, IS AT YOUR OWN RISK, AND THAT ALL SUCH INFORMATION, CONTENT, SERVICES AND MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, LEND A DOLLAR MAKES NO, AND HEREBY DISCLAIMS ALL, REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE AVAILABILITY, OPERATION AND USE OF THE SITE OR ANY INFORMATION, CONTENT, MATERIALS OR SERVICES ON OR ACCESSED VIA THE SITE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. FURTHER, LEND A DOLLAR MAKES NO REPRESENTATIONS AND WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS.

IN NO EVENT SHALL LEND A DOLLAR OR ANY OF ITS AFFILIATES, OR THE MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR REPRESENTATIVES OF LEND A DOLLAR OR ANY OF ITS AFFILIATES (THE “LEND A DOLLAR PARTIES”) BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING OUT OF THE USE OF, ACCESS TO, RELIANCE ON, INABILITY TO USE OR IMPROPER USE OF THE SITE, INCLUDING ANY DAMAGES ARISING OUT OF ANY DENIAL BY LEND A DOLLAR REGARDING ANY CREDIT SERVICES OR LOAN APPLICATION OR LEND A DOLLAR TO FUND YOUR ACCOUNT (INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, TRADING LOSSES, GOODWILL OR REVENUE, BUSINESS INTERRUPTION, OR LOSS OF DATA), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE.

Indemnification

You agree to indemnify and hold the Lend A Dollar Parties harmless from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs and expenses (including without limitation reasonable attorneys' fees, disbursements and court costs) arising from or in connection with (i) your use of the Site, or any content, information, materials or services contained, displayed or available therein; (ii) any denial by Lend A Dollar Parties to approve any loan application or application for credit services submitted by you and/or refusal to fund your account; (iii) your violation of these Terms of Use; (iv) any Feedback provided by you to Lend A Dollar; or (v) your violation of any rights of any third party.

Web Site Security

You are prohibited from violating or attempting to violate the security of this Site, including, but not limited to the following activities: (1) accessing data not intended for you or obtaining personal information about any Site user or customer; (2) attempting to probe, test, or scan the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (3) attempting to interfere with service to any user, host or network, or otherwise disrupt Lend A Dollar business, including, without limitation, by submitting a virus to the Site, overloading, “flooding,” “spamming,” “mailbombing” or “crashing,” or sending unsolicited email, including promotions and/or advertising of products or services.

Privacy

The terms of the Lend A Dollar Privacy Policy are hereby incorporated as part of these Terms of Use. In addition, the following terms further describe our privacy practices, and are hereby incorporated into and made part of the Lend A Dollar Privacy Policy:

Sharing Information: We share your personally identifiable information as described in the Lend A Dollar Privacy Policy.

Modification or Discontinuance of the Site by Lend A Dollar

At any time, without notice to you, and for any or no reason, Lend A Dollar may modify or discontinue the Site or any content thereof. Lend A Dollar shall in no way be held liable for any consequence which results from Lend A Dollar’s decision to modify or discontinue providing the Site or any content thereof.

Governing Law

This Loan Agreement will be governed by the laws of the State of Missouri, except that the Arbitration Agreement and Waiver of Jury Trial is governed by the Federal Arbitration Act.

Notice and Procedure for Making Claims of Intellectual Property Infringement

Lend A Dollar respects the intellectual property rights of others. If you believe that any content on this Site may infringe your copyrights or other intellectual property rights, please provide Lend A Dollar the written information specified below. Please note that this procedure is exclusively for notifying Lend A Dollar that your intellectual property rights have been infringed.

An electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property interest;
A description of the intellectual property right that you claim has been infringed;
A description of where the material that you claim is infringing is located on the Site;
Your address, telephone number, and e-mail address;
A statement by you that you have a good faith belief that the disputed use is not authorized by the intellectual property owner, its agent, or the law;
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the intellectual property owner or authorized to act on the intellectual property owner's behalf.
Lend A Dollar’s agent for notice of claims of copyright infringement or other intellectual property infringement on the Site can be reached as follows:

Intellectual Property Agent Lend A Dollar 6000 Cattleridge Drive, Suite 301 Sarasota, Florida 34232

If you have any questions relating to these Terms of Use, the Site or Lend A Dollar, please contact: info (at) lendadollar.com

For details, questions, or concerns regarding your loan please contact us directly. In some situations, faxing or emailing of documents may be required. Consumer Notice: An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. Borrow Responsibly – Late or missed loan payments may result in additional finance charges and fees, your account falling into collections, and may negatively impact your credit history. Consumers experiencing credit difficulties should seek credit counseling or meet with a nonprofit financial counseling service in their community. Every loan, no matter how big or small, is a debt that must be repaid. If a loan is not paid when due it may result in: Additional finance charges and fees, The account falling into collections, Negatively impacting your credit history. It is important to understand the terms and conditions as well as the resulting obligations of your loan before signing the agreement. Please read the loan document carefully, review the financial implications of late and non-payment, and ask your Lender to explain anything you don’t fully understand. If you are having trouble making your loan payment, give your Lender a call. They may be able to work with you to refinance or extend your loan. The options available depend on your Lender’s policies, your state and local laws, and other factors. However, keep in mind that extending or refinancing your loan will result in additional finance charges and fees. Only your Lender can provide the specific repayment options and details if you can’t repay your loan on time. Responsible Borrowing: Florida Financial Management LLC strives to connect you with a long-term financial solution and adheres to the OLA Responsible Lending Policy. A short-term loan is an expensive form of credit intended for short-term financial needs only, and should not be used as a long-term financial solution. Before taking out a loan consider how it will affect your finances in the future. We recommend creating a realistic budget that includes the loan payment. If you don’t have enough money to pay all of your living expenses, debts, and the loan payment you should reconsider the loan because owing more than you can afford to repay can damage your credit for years to come. Please follow these responsible borrowing practices: Consider all your options, Borrow only what you can afford to repay, Provide complete and accurate information to the Lender, Read the terms and conditions carefully, Ask questions if you don’t understand something, Budget for repayment, Avoid over-borrowing. Consumer Advisory: Our lender partners will never ask for advance payment.

* - Actual cost might vary depending on the Lender and repayment schedule. $1 per day for every $50 borrowed is representative of a 730% APR. ** - Instant Funding is only available to selected VIP customers subject to payment processor availability.