These Terms of Use ("Terms") are an agreement between you and [Legal company name, LLC] ("Cash Headquarters," "we," "us") governing your use of CashHeadquarters.com (the "Site"). By using the Site or submitting a request, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site.
1. Our service
Cash Headquarters is a free matching service. We are not a lender, loan broker, or agent of any lender, and we do not make credit decisions or loan offers. We share your request with My Lending Wallet, which works with lenders and financial service providers ("Partners"). Submitting a request does not guarantee you will be contacted, approved, or offered a loan, or that any offer will have specific rates or terms. Partners set their own rates, fees, and terms and may check your credit. Loan availability varies by state. We do not charge you any fee.
2. Eligibility
You must be at least 18 (19 in Alabama and Nebraska), a U.S. resident, and able to form a binding contract. You may only submit information about yourself.
3. Accurate information
You agree that everything you submit is true, accurate, and complete. Submitting false information, or someone else's information, may violate federal and state law.
4. Consent to be contacted
When you check the consent box and submit the form, you agree, as stated in the consent language on the form, that CashHeadquarters.com, My Lending Wallet, and the Marketing Partners may contact you at the number and email you provided, including by automated technology, prerecorded or artificial voice, and text messages, even if your number is on a federal, state, or internal Do Not Call list. Consent is not a condition of any purchase or loan. You can revoke consent at any time by any reasonable means, including replying STOP to a text, telling a caller, or emailing dnc@cashheadquarters.com. Text messaging is also covered by our SMS Terms.
You confirm that you are the subscriber or customary user of the phone number you provide, and you will tell us if that number changes or is reassigned.
5. Credit authorization
By submitting a request, you give written instructions under the Fair Credit Reporting Act authorizing My Lending Wallet and its Partners to obtain your consumer credit report and other information from credit bureaus and data providers to evaluate your request, verify your identity, and offer you products. An initial check is typically a soft inquiry that does not affect your credit score. If you continue with a Partner, they may perform a hard inquiry, which can affect your score.
6. Electronic communications and signatures (E-SIGN)
You agree to receive disclosures, notices, and records from us electronically, and that checking a box and clicking a button on the Site is your electronic signature, with the same effect as a handwritten signature. To view and keep records you need a device with internet access, a current web browser, and an email account. You may request a paper copy, or withdraw consent to electronic records, by emailing support@cashheadquarters.com; withdrawing consent means we may be unable to process your request. Please keep your email address current.
7. Acceptable use
You will not use the Site for any unlawful purpose; submit fraudulent, automated, or third-party information; interfere with or test the Site's security; scrape or copy its content; or use it to send spam.
8. Intellectual property
The Site, its design, logos, and content belong to [Legal company name, LLC] or its licensors and are protected by law. You may view the Site for personal use only.
9. Third-party sites and Partners
Partners and linked sites are independent. We are not responsible for their products, offers, communications, privacy practices, or decisions. Your dealings with any Partner are solely between you and that Partner.
10. Disclaimers
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Information on the Site is general and is not financial, legal, or tax advice.
11. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, CASH HEADQUARTERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS ARISING FROM A PARTNER'S PRODUCTS OR DECISIONS. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED $100. Some states do not allow these limits, so they may not apply to you.
12. Indemnity
You agree to indemnify us against claims arising from your misuse of the Site, false information you submit, or your violation of these Terms.
13. Arbitration agreement and class action waiver
Please read this section carefully. It affects your rights. You and we agree that any dispute arising from or relating to the Site, these Terms, or any communication from us or on our behalf (including claims under the TCPA) will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court. The Federal Arbitration Act governs this section. You and we waive any right to a jury trial and to participate in a class, collective, or representative action. We will pay filing and arbitrator fees beyond what you would pay to file in court, for claims under $10,000.
Opt out: you may opt out of this arbitration agreement by emailing support@cashheadquarters.com with your name, phone number, and the words "Arbitration Opt-Out" within 30 days of first accepting these Terms.
14. Governing law
These Terms are governed by federal law and the laws of the State of [State], without regard to conflict-of-law rules. If any part is unenforceable, the rest remains in effect.
15. Changes
We may update these Terms by posting a new version with a new "Last updated" date. Changes apply going forward and do not affect disputes already filed.
16. Contact
[Legal company name, LLC]
[Business mailing address]
Email: support@cashheadquarters.com
Phone: [Toll-free phone]