Responsible Lending Disclosure

1. Platform Role

We are not a lender and do not make credit decisions. The App connects users with independent third-party lenders that determine eligibility, loan terms, and repayment obligations.

2. Transparency

We are committed to transparency and require that participating lenders disclose, prior to acceptance:

• APR and total cost of borrowing
• Repayment schedule and payment amounts
• Applicable fees and charges
• Key loan terms and conditions

3. Informed Decision-Making

We encourage users to:

• Review all disclosures carefully
• Consider their financial situation before borrowing
• Borrow only what they can reasonably repay

4. No Pressure or Obligation

Using the App does not obligate you to accept any loan or cash-advance offer. You may decline any offer without penalty.

5. Compliance Standards

We work with partners that are expected to comply with applicable federal and state lending laws, including consumer protection, disclosure, and fair lending requirements.

6. Financial Awareness

Borrowing money involves financial responsibility and risk. Late or missed payments may result in fees, increased costs, or negative credit impact, depending on the lender and product.

7. Support and Questions

If you have questions about responsible borrowing or how the App works, contact [email protected] for assistance.