Please read these terms carefully before using our services
Effective Date: January 1, 2025
Last Updated: January 1, 2025
By accessing or using the services of E-Z CASH ADVANCE, INC. ("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.
E-Z CASH ADVANCE, INC. operates as a nondepository credit intermediation service and licensed personal finance company, providing various lending solutions including personal loans, cash advances, and small business financing. We facilitate connections between borrowers and lenders, and may also provide direct lending services subject to applicable laws and regulations.
To use our services, you must:
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 breach of security or unauthorized use of your account.
You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to use our services:
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.
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.
By using our services, you consent to receive electronic communications from us. These communications may include notices about your account, loan offers, marketing materials, and other information concerning our services. You agree that any notices, agreements, disclosures, or other communications sent electronically satisfy any legal communication requirements, including that such communications be in writing.
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, consumer reporting agencies, and other sources to verify your identity and assess your creditworthiness.
All fees and charges associated with our services will be disclosed to you before you accept any loan or service. These may include:
The Service and its original content, features, and functionality are owned by E-Z CASH ADVANCE, INC. and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our services or included software.
Our services may contain links to third-party websites or services that are not owned or controlled by E-Z CASH ADVANCE, INC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, secure, or error-free.
To the fullest extent permitted by law, E-Z CASH ADVANCE, INC., its officers, directors, employees, and agents 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 resulting from your use of our services.
You agree to defend, indemnify, and hold harmless E-Z CASH ADVANCE, INC., its affiliates, and their respective 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.
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 Ross County, Ohio.
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 Ross County, Ohio. You waive any right to a jury trial or to participate in a class action.
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 at least 30 days prior to the changes becoming effective. Your continued use of our services after any changes constitutes acceptance of the new Terms.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.
These Terms, together with our Privacy Policy, Disclaimer, and any other legal notices or agreements published by us, constitute the entire agreement between you and E-Z CASH ADVANCE, INC. concerning the use of our services.
No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. We may freely assign or transfer these Terms without restriction.
If you have any questions about these Terms, please contact us at:
E-Z CASH ADVANCE, INC.
Attn: Legal Department
56 Star Dr
Chillicothe, OH 45601-9583
Phone: (347) 555-3152
Email: support@LoanZoneFinance.com
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and all policies and guidelines incorporated by reference.