Terms and Conditions of Use
Effective date: 3/3/2020
The following Terms and Conditions constitute a binding contract between PaydaySeek.com (referred to as “PaydaySeek,” “us,” “we,” “our,” or “ours”) and the visitor (“user,” “users,” “you,” “your,” or “yours”) who seeks to access and utilize the PaydaySeek website located at https://paydayseek.com (“the Website”). These provisions outline the specific rules governing this arrangement.
PaydaySeek functions neither as a lender nor as a provider of financial products or services, and it holds no authority regarding credit approvals. We do not act on behalf of any bank, credit union, or financial institution. Instead, we provide matching services that connect users with a network of independent third-party lenders (“Lenders”) who may offer loans and other financial products. To facilitate these connections, we require the submission of a registration form via the Website.
Please read this entire document and other legal documents on the Website in order to better understand how our services work, how to use our services, and what happens when you submit personal information to us. When you submit a registration form, it is a legally-binding agreement that you have read and understood these documents, including these Terms and Conditions and our Privacy Policy, and that you request to use our services.
Only residents of the United States of America (“USA”) who are 18 years of age or older may access the Website and use our services. Our services are not available to residents in some states due to laws and regulations regarding short-term cash loans. Such states may include, Georgia, Massachusetts, Pennsylvania, and West Virginia as well as others; this list is subject to changes by lawmakers, so please check the legal status of these loans in your own state on our Rates and Fees page, which includes resources and information about short-term loans, the industry, and common practices.
If you wish to decline these Terms and Conditions, you must immediately close all browser windows associated with the Website and refrain from submitting any personal data to us.
Company Services
As PaydaySeek is not a lending institution or financial entity, we do not influence loan or credit approvals. Our role is strictly limited to connecting users with Lenders who operate independently and can provide financial products. These Lenders may offer short-term loans with terms that differ by state. Certain Lenders may provide loan amounts reaching $1,000.
PaydaySeek does not control loan distribution or credit approvals, as these decisions are made solely by the Lenders. Consequently, we cannot assure approval or guarantee a match with any specific lender, even though some may offer up to $1,000. Not all Lenders offer this maximum amount.
Users with questions regarding short-term lending or specific offers should consult a professional advisor. Short-term loans are intended for immediate financial emergencies; prolonged use can lead to significant costs. Users are responsible for managing these loans responsibly.
Since PaydaySeek does not control loan or credit product terms, we assume no liability for information or decisions related to specific loans or credit products.
Continuing to use the Website confirms your acceptance of these Terms and Conditions and other regulatory documents. You acknowledge that PaydaySeek bears no responsibility for damages or costs arising from your interactions with Lenders.
You must complete the online registration form before using our services. This requires providing personal details, including contact, employment, financial status, and sensitive data such as your social security number (“SSN”) and banking information. We use this data to match you with Lenders and share it with them accordingly. Do not provide information you do not wish us to collect, store, use, or share.
We collect, store, use, and share information according to policies documented on the Website, including the Privacy Policy, Responsible Lending Policies, and Marketing Practices. Your voluntary submission of your own information legally serves as confirmation that you have read and understood these and all other documents delineating our standards and practices, including these Terms and Conditions of Use. Your voluntary submission of your own information also serves as a request that we use your information and share it with Lenders in order to match you with one or more Lenders; you agree that this gives Lenders authorization to contact you using the contact information provided by you in our online registration form, which may include your email address, telephone number, and direct mailing address. This contact may include offers for financial products and services in which you express your interest when you register with the Website.
Your SSN and banking details are considered sensitive personal information, which we safeguard through rigorous security protocols. We may share less-sensitive data with contracted third-party marketers (“Marketers”). Lenders may also share such data with their own marketers, who might contact you regarding additional financial products.
PaydaySeek does not conduct credit checks or verifications. Lenders may require credit verification and use your data for this purpose before approving offers. Approval is at the Lender’s discretion, and we cannot guarantee approval or that Lenders will offer all matching products. We have no authority over financial products or contracts; for transaction details, contact the Lender directly.
Authorized Use and Proprietary Rights
All Website content is copyrighted. Use must comply with laws and regulatory documents, including these Terms. Unauthorized reproduction or reuse is prohibited and illegal. Violations may result in legal action.
We retain ownership of all copyrighted Website content, including text, images, logos, digital records, videos, and trademarks. Users hold no ownership rights and are prohibited from duplicating, reproducing, or exploiting this content. Copying, selling, or engaging in other illegal activities with this content is forbidden.
Disclaimer of Warranties
PaydaySeek offers services “as is” without guarantees of meeting specific needs. Use is at your own risk, governed by these Terms and other legal documents, which may change without notice. We do not guarantee continuous, secure, or error-free service or software performance. We address errors promptly; report issues directly. Service interruptions beyond our control are not our responsibility.
We do not guarantee that software or digital tools used by Lenders, Marketers, or third parties are error-free. We are not liable for errors beyond our control. Third-party links have not been verified. Accepting or rejecting third-party products is your responsibility, undertaken at your own risk, with no liability for us regarding consequences.
Limitation of Liability
Using the Website and services is at your own risk. We are not responsible for any direct or indirect losses or damages resulting from Website use, our services, or Lender services.
We comply with federal and state laws. Liability may vary based on state-specific regulations governing our industry, as permitted by law.
Implication of Privacy Policy in Marketing Activity
Your submission of your information to us via the Website is indication of agreement that we are authorized to collect, store, use, and share your information for marketing to the extent that it is stated in our Privacy Policy. Providing your information allows us to share the information you have provided with Lenders and Marketers. To request that we expunge and exclude your information from our databases, lists, or servers, contact us directly with your request. To request that any Lenders, Marketers, or other third party permanently remove your information from any of their lists, databases, or servers, contact those Lenders, Marketers, and other third parties directly and individually.
Third Party Websites
PaydaySeek does not endorse Lenders or third parties. The Website may contain links to third-party sites or direct users to sites offering interested products. We are not responsible for third-party content. Access third-party sites at your own risk.
Disputes
Research your state’s laws on short-term loans and Website regulations. If you believe we acted unlawfully, file a complaint with your state’s regulator. Per these Terms, you agree to resolve disputes with PaydaySeek through arbitration or out of court, waiving rights to judicial proceedings or class-action lawsuits. Class actions against PaydaySeek are prohibited.
The American Arbitration Council may award compensation up to the maximum damages requested. You waive rights to claim arbitration costs, incidental, consequential, or punitive damages. You agree to accept arbitration results. PaydaySeek retains the right to pursue legal action in court.
If you do not accept these provisions, do not register and cease using our services. If you previously accepted but wish to reject the arbitration clause, send a written letter within ten (10) days of initial acceptance. Use the contact information on the Website. Your letter must include your full legal name, phone number, physical address, email, and the statement: “I reject the arbitration clause put forth by PaydaySeek as stated on PaydaySeek.com within the Website’s Terms and Conditions of Use.”
If you missed the ten-day window to reject the arbitration clause, you must file in court within one (1) year. Claims are barred after this period.
Export Restriction
Access to the Website is prohibited from Cuba, Iran, Iraq, Libya, North Korea, Sudan, and Syria, subject to change. Access from countries under US embargoes is also forbidden.
The US Treasury Department’s list of Special Designated Individuals and the US Commerce Department’s Table of Denial Orders prohibit access to and use of the Website.
Registering and using the Website signifies consent to these Terms. You agree not to access or use services under prohibited conditions.
Indemnification
Violation of these Terms absolves PaydaySeek, its parent, subsidiaries, affiliates, and associated individuals (employees, agents, managers, directors, partners) of liability for your claims. None of these entities are liable if you (i) misuse the website illegally or improperly; (ii) have disputes with third parties.
Complete Agreement
You agree to abide by these Terms. This agreement governs all communication between you and PaydaySeek, superseding prior arrangements. It remains valid in cases of discrimination or unlawful exploitation.
Modifications and Updates
We reserve the right to update, amend, and otherwise change these Terms and Conditions of Use without any prior notification. All changes are active immediately upon publication on the Website unless another effective date is specified. It is your responsibility to stay informed about all changes to these Terms and Conditions as well as all other legal documents accessible on the Website. Please check the Website regularly for updates. We may notify you of changes using the contact information you have provided to us according to protocols delineated in the Privacy Policy.
Severability and Termination
Unlawful or contradictory provisions are void, but the rest of the document remains effective. Partial invalidity does not affect other clauses. Failure to enforce a provision does not waive rights or invalidate other parts.
We reserve the right to deny Website access at any time for any reason. We may terminate services if you violate these Terms or other legal documents. You may cease use at any time, but prior agreed provisions remain valid.
Headings
Titled sections aid understanding but do not alter content meaning or supersede terms.
Contact Information
Address any request, inquiry, or complaint in regard to our services or operations directly to us so we may resolve any issues as soon as possible. The Website contains our contact information; you may also contact us via email at [email protected]. If you are dissatisfied with our management of your request or inquiry, your state of legal residence operates organizations designed to ensure consumer protection; please direct your official complaint or report to one or more of these organizations.
Using this website constitutes a binding agreement to honor these conditions. Please print and retain a copy for your records.
