Terms of Use

Effective Date: January 1, 2025

Last Updated: January 1, 2025

1. Agreement to Terms

By accessing or using the services of PDQ CASH ADVANCE, LLC ("Company," "we," "our," or "us"), you agree to be bound by these Terms of Use ("Terms"). If you disagree with any part of these terms, then you may not access our services.

2. Description of Services

PDQ CASH ADVANCE, LLC operates as a nondepository credit intermediation service, providing personal credit solutions and related financial services. We facilitate connections between borrowers and lenders, and may also provide direct lending services subject to applicable laws and regulations.

3. Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Be a legal resident of the United States
• Have a valid Social Security Number
• Have an active checking account
• Have a regular source of income
• Provide a valid email address and phone number

4. Account Registration

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding the password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

5. Use of Services

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to use our services:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To transmit any false, misleading, or fraudulent information
• To impersonate or attempt to impersonate another person or entity
• In any way that infringes upon the rights of others
• To introduce viruses or other malicious code
• To attempt to gain unauthorized access to our systems

6. Loan Terms and Conditions

Specific terms and conditions for loans, including interest rates, fees, repayment schedules, and other charges, will be provided in your loan agreement. These terms are subject to applicable state and federal laws. You should review all loan documents carefully before accepting any loan offer.

7. Privacy and Information Security

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to our collection and use of personal information as outlined in the Privacy Policy.

8. Electronic Communications

By using our services, you consent to receive electronic communications from us. These communications may include notices about your account, loan offers, and other information concerning our services. You agree that any notices, agreements, disclosures, or other communications sent electronically satisfy any legal communication requirements.

9. Credit Reporting

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also obtain information about you from credit bureaus and other sources to verify your identity and assess your creditworthiness.

10. Fees and Charges

All fees and charges associated with our services will be disclosed to you before you accept any loan or service. These may include:

• Origination fees
• Late payment fees
• NSF (Non-Sufficient Funds) fees
• Processing fees
• Other charges as disclosed in your loan agreement

11. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by PDQ CASH ADVANCE, LLC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

12. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, secure, or error-free. We do not guarantee any particular results from use of our services.

13. Limitation of Liability

To the fullest extent permitted by law, PDQ CASH ADVANCE, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

14. Indemnification

You agree to defend, indemnify, and hold harmless PDQ CASH ADVANCE, LLC, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of our services or violation of these Terms.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Franklin County, Ohio.

16. Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be determined by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Franklin County, Ohio.

17. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If we make material changes, we will notify you by email or by posting a notice on our website prior to the changes becoming effective. Your continued use of our services after any changes constitutes acceptance of the new Terms.

18. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and PDQ CASH ADVANCE, LLC concerning the use of our services.

20. Contact Information

If you have any questions about these Terms, please contact us at:

21. Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.