Terms of Use

By accessing or using the Cash Advance App - Loan Lounge application ("App") and our lending services, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not use our services.

Cash Advance App - Loan Lounge is owned and operated by The Loan Lounge, Inc., located at COMPANY ADDRESS.

The Loan Lounge, Inc. is a direct lending platform that provides short-term cash advance loans to eligible users in the United States. Through our App, you can apply for a loan, receive a loan decision, and manage your loan account directly with APP COMPANY. We handle all aspects of the loan process, from application to repayment.

To be eligible to apply for and receive a loan through The Loan Lounge, Inc., you must:

• Be at least 18 years old (or the legal age of majority in your state).
• Be a legal resident of the United States.
• Have a valid Social Security Number.
• Have a checking account with a valid financial institution.
• Have a regular source of income.
• Meet our other eligibility criteria as determined from time to time.

By using the service, you represent and warrant that you meet these eligibility requirements.

When you create an account with The Loan Lounge, Inc., you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You agree not to:

• Use The Loan Lounge, Inc. for any illegal or fraudulent activities.
• Provide false, inaccurate, or misleading information during the application process or at any other time.
• Attempt to access or use the service in a manner that could damage, disable, overburden, or impair its functionality.
• Engage in any conduct that violates these Terms or any applicable laws or regulations.

If your loan application is approved, you will be presented with specific loan terms and conditions, including:

• Loan Amount: The principal amount of the loan.
• Interest Rate and Fees: The applicable interest rate, finance charges, and any other fees associated with the loan.
• Repayment Schedule: The due dates and amounts of your loan payments.
• Total Repayment Amount: The total amount you will repay, including principal and all applicable charges.
• Late Payment Fees: Any fees that may be charged if you fail to make timely payments.
• Default: The conditions under which your loan may be considered in default and the consequences of default.

By accepting the loan terms, you agree to repay the loan according to the schedule provided. It is crucial that you carefully review and understand all loan terms before agreeing to them.

By using The Loan Lounge, Inc., you consent to receive all communications, agreements, documents, notices, and disclosures (collectively, "Communications") from us electronically, including via email and through the App. You agree that all Communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You also agree to the use of electronic signatures in connection with your loan agreement and other documents.

The The Loan Lounge, Inc. application and its content, including but not limited to text, graphics, logos, and software, are the property of APP COMPANY or its licensors and are protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for the purpose of accessing our lending services in accordance with these Terms.

These Terms and your use of our services shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Colorado. You hereby irrevocably consent to the jurisdiction of and venue in such courts.

Your use of The Loan Lounge, Inc. is also governed by our Privacy Policy, which outlines how we collect, store, and use your personal data. By using The Loan Lounge, Inc., you acknowledge that you have read and understood our Privacy Policy, which is incorporated into these Terms by reference and is available at Privacy Policy .

APP COMPANY reserves the right to update or modify these Terms at any time. We will notify you of any material changes by posting the updated Terms in the App and/or by other means (e.g., email). Your continued use of The Loan Lounge, Inc. after the effective date of the revised Terms constitutes your acceptance of the changes. You are responsible for periodically reviewing the Terms for any updates.