Terms of Use

Welcome to the Cash Loan Realms Terms of Use. For purposes of this agreement, “Company” refers to Cash Loan Realms, LLC. “Site” refers to the Company’s website at cashloanrealms.com. “Service” refers to the guides, calculators, tools, My Loan Desk, email newsletter and other features available through the Site. The terms “we,” “us” and “our” refer to the Company. “You” refers to you, as a user of our Site or Service.

Please review these terms carefully. By accessing or using the Service, you signify your agreement to these Terms of Use. If you do not agree to be bound by these Terms of Use in their entirety, you may not access or use the Service.

Privacy Policy

The Company respects the privacy of its users. Our Privacy Policy explains how we collect, use and disclose information. When you access or use the Service, you signify your agreement to the Privacy Policy as well as these Terms of Use.

Eligibility

The Service is intended for adults who are residents of the United States. You must be at least 18 years old to subscribe to our emails or otherwise provide us with personal information.

We are not a lender; information is not advice

The Company publishes general educational information about borrowing, credit and related topics. We are not a lender, loan broker, credit bureau, or financial, legal or tax advisor. We do not make loans, take loan applications, arrange or negotiate credit, check your credit, or make credit decisions. Nothing on the Site is an offer of credit, a commitment to lend, a prequalification or approval, or a recommendation that you take any particular loan or financial action.

Content on the Site is general in nature and may not fit your circumstances. Loan approval, rates, fees and terms are determined by lenders based on your application, their own criteria and applicable law, which varies by state. Consider seeking advice from a qualified professional, such as a nonprofit credit counselor, before making important financial decisions.

Calculators and tools

Our calculators and tools produce estimates based on the information you enter and the assumptions described on each tool and in How our calculators work. Results are for planning purposes only. They may differ from the amounts, APRs and payments a lender calculates or discloses, and they are not a substitute for a lender’s own disclosures. You are responsible for the information you enter and for any decisions you make based on the results.

Use restrictions

Your permission to use the Site is conditioned on the following restrictions. You agree that you will not under any circumstances:

• access the Service for any reason other than your personal, non-commercial use as permitted by the normal functionality of the Service;
• collect or harvest any personal data of any user of the Site or the Service;
• use the Site or the Service to solicit business in the course of trade or in connection with a commercial enterprise;
• distribute any part of the Site or the Service without our explicit written permission (we permit operators of public search engines to use spiders to copy materials from the Site for the sole purpose of creating publicly available searchable indices, but retain the right to revoke this permission at any time, generally or specifically);
• use the Service for any unlawful purpose or to promote illegal activities;
• attempt to harass, abuse or harm another person or group;
• provide false or inaccurate information when subscribing to our emails or contacting us;
• interfere or attempt to interfere with the proper functioning of the Service;
• make any automated use of the Site, the Service or related systems, or take any action that we deem to impose, or to potentially impose, an unreasonable or disproportionately large load on our servers or network infrastructure;
• bypass any robot exclusion headers or other measures we take to restrict access to the Service, or use any software, technology or device to scrape, spider or crawl the Service or harvest or manipulate data;
• circumvent, disable or otherwise interfere with any security-related features of the Service, or features that prevent or restrict the use or copying of content or enforce limitations on the use of the Service or its content; or
• publish or link to malicious content of any sort, including content intended to damage or disrupt another user’s browser or computer.

Unauthorized use may result in civil and criminal liability under federal, state and local law. If you become aware of misuse of our Service or a violation of these Terms of Use, please contact us at [email protected].

Online content disclaimer

We work to keep the information on the Site accurate and current, and we date our reviews. However, laws, programs, rates and financial products change, and errors can happen. We do not guarantee the accuracy, completeness or usefulness of any information on the Site or the Service, and we are not responsible for any loss or damage resulting from reliance on it. Opinions, statements, offers or other information made available through the Service by third parties, including partners and advertisers, are those of their respective authors, who are solely responsible for them.

Links to other sites, partner offers and sponsored placements

As part of the Service, we provide links to third-party websites (“Third Party Sites”), including government and nonprofit resources and, in clearly labelled sponsored sections, partners such as loan-matching services and other financial companies. We may receive compensation when you click on or use some of these links, as described in How we make money.

We have no control over Third Party Sites or the offers, products, information or services available on them. Third Party Sites are not investigated, monitored or checked by us for accuracy, appropriateness or completeness, and we are not responsible for their content, offers, terms, privacy practices or other policies. Including or linking to a Third Party Site does not imply our approval or endorsement, and does not mean that you will qualify for any product or that the product is suitable for you. Any application, agreement or transaction you enter into with a lender or other third party is solely between you and that third party. If you leave the Site to access a Third Party Site, you do so at your own risk, and our terms and policies no longer govern. Review the terms and privacy policies of any Third Party Site before you submit information to it.

Copyright complaints and copyright agent

We respect the intellectual property rights of others. If you are a copyright owner or an agent of one and believe, in good faith, that any material provided on the Service infringes your copyright, you may submit a notification under the Digital Millennium Copyright Act (17 U.S.C. 512) (“DMCA”) by sending the following information in writing to our designated copyright agent at Cash Loan Realms, LLC, 30 N Gould Street #38464, Sheridan, WY 82801, or by email to [email protected]:

1. the date of your notification;
2. a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
3. a description of the copyrighted work claimed to have been infringed or, if multiple copyrighted works are covered by a single notification, a representative list of such works;
4. a description of the material that is claimed to be infringing and information sufficient to enable us to locate it;
5. information reasonably sufficient to permit us to contact you, such as an address, telephone number and/or email address;
6. a statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and
7. a statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Intellectual property

You acknowledge and agree that we and our licensors retain ownership of all intellectual property rights of any kind related to the Service, including the text, design, graphics, calculators and code of the Site and applicable copyrights, trademarks and other proprietary rights. Photographs are used under their licenses. Other product and company names mentioned on the Service may be trademarks of their respective owners. You may share links to the Site and short quotations with attribution. We reserve all rights that are not expressly granted to you under these Terms of Use.

Email may not be used to provide notice

Communications sent to us by email or through forms on the Site will not constitute legal notice to the Company or any of its officers, employees, agents or representatives in any situation where legal notice is required by contract or by any law or regulation. Legal notices must be sent by mail to the address below.

Consent to receive communications in electronic form

For contractual purposes, you (a) consent to receive communications from us in electronic form at the email address you have provided; and (b) agree that all Terms of Use, agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if they were in writing. This does not affect your non-waivable rights.

If you subscribe or otherwise agree to receive emails from us, we may send you messages about the Site and the Service, new guides and tools, and offers from our partners. You may opt out of these emails by using the “Unsubscribe” link in any message, by visiting our email preferences page, by emailing [email protected], or by writing to:

Customer Support
Cash Loan Realms, LLC
30 N Gould Street #38464
Sheridan, WY 82801

Opting out may prevent you from receiving messages about the Site, the Service or partner offers.

Warranty disclaimer

THE SITE AND THE SERVICE, INCLUDING ALL CONTENT, CALCULATORS AND TOOLS, ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE SERVICE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, ACCURACY AND NON-INFRINGEMENT. WE MAKE NO WARRANTY OR REPRESENTATION THAT ACCESS TO OR OPERATION OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR USE OF INFORMATION, CONTENT OR OTHER MATERIAL OBTAINED FROM THE SERVICE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT APPLY TO YOU.

Limitation of damages; release

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS OR EMPLOYEES, OR ITS LICENSORS OR PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS, USE OR DATA, OR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, HOWEVER ARISING, THAT RESULT FROM: (A) YOUR USE OF OR INABILITY TO USE THE SERVICE; (B) YOUR RELIANCE ON ANY CONTENT, CALCULATOR OR TOOL RESULT; (C) THE SERVICE GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE SERVICE AVAILABLE; OR (D) ANY THIRD PARTY SITE, PRODUCT OR SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF LIABILITY, SO THIS PROVISION MAY NOT APPLY TO YOU.

If you have a dispute with a lender, loan-matching service, advertiser or other provider of a product or service that you learn about or reach through the Service, you release us (and our officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

If you are a California resident, you waive California Civil Code §1542, which says: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

Modification of Terms of Use

We may amend these Terms of Use at any time. When we do, we will post the updated terms on this page and change the “Last updated” date above, and we will endeavor to provide notice of material changes by posting a notice on the Site. Your continued use of the Site or the Service after changes are posted signifies your agreement to the revised Terms of Use. No purported waiver or modification of this agreement on our part via telephone or email communications shall be valid.

General terms

If any part of these Terms of Use is held invalid or unenforceable, that part will be construed consistently with applicable law, and the remaining parts will remain in full force and effect. Any failure on our part to enforce any provision of this agreement will not be considered a waiver of our right to enforce it. Our rights under this agreement survive any transfer or termination of this agreement.

You agree that any cause of action related to or arising out of your relationship with the Company must commence within one year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

These Terms of Use and your use of the Site are governed by the federal laws of the United States of America and the laws of the State of New Mexico, without regard to conflict of law provisions.

We may assign or delegate these Terms of Use and/or our Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent. You may not assign or delegate any rights or obligations under these Terms of Use or the Privacy Policy without our prior written consent, and any unauthorized assignment or delegation by you is void.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM, AND WILL BE BOUND BY THEM. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS OF USE, TOGETHER WITH THE PRIVACY POLICY, REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, AND SUPERSEDE ANY PROPOSAL OR PRIOR AGREEMENT, ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO ITS SUBJECT MATTER.

Contact

Cash Loan Realms, LLC
30 N Gould Street #38464
Sheridan, WY 82801
[email protected]