GetCashExpress: Loan Disclosure & Service Agreement

Intended Use and Financial Counseling

Our online loan products are explicitly designated to address temporary, short-term emergency liquidity gaps. They are structurally unfit to serve as long-term wealth management tools or permanent financing programs. If you are experiencing ongoing budget shortfalls or credit management challenges, we strongly advise you to contact a localized, professional credit counseling organization for structural debt guidance.

Scope of Online Services & Territorial Constraints

The informational graphics, tooltips, and interactive forms provided on this platform serve strictly as an administrative framework to invite credit applications. Nothing published on this website constitutes a binding contractual promise, an immediate underwriting approval, or a definitive commitment to extend credit. Our lending services are subject to territorial availability and may be restricted or entirely prohibited in certain states.

State Registration, Funding Origin, & Governing Law

The Company holds active regulatory registration with the Department of Financial Institutions under the jurisdiction of the State of Utah. Upon formal validation and corporate approval of your submitted application file, all corresponding credit distributions are processed and wired directly out of our institutional banking repositories located within Utah.

For this reason, the consumer credit agreements, calculation rules, and regulatory frameworks governing your contract are strictly bound to Utah statutory laws. These oversight protocols may differ substantively from the consumer finance protections enforced by state watchdogs where you physically reside.

Applicants maintain full, individual accountability for ensuring their participation aligns with all digital commerce mandates, regional lending restrictions, and state statutory provisions active within their primary state of residence. If you do not want your binding transaction to be governed by Utah administrative legalities, you should exit this platform and secure financial assistance from a licensed brick-and-mortar storefront inside your home territory.

Core Definitions Used in This Contract

Throughout this Deferred Presentment Agreement (hereafter referred to as the "Agreement"):

• The terms "you", "your", and "applicant" refer directly to the customer identified on the face of this application profile.
• The terms "Us", "We", "Our", and "the Company" refer strictly and exclusively to GetCashExpress.

PART I: FEDERAL TRUTH IN LENDING ACT (TILA) DISCLOSURES

1. Core Financial and Timeline Parameters

• Account Interest Rate: The structural cost of credit for transactions on this platform is calculated at a fixed rate of 30% of your approved loan principal.
• Maximum Loan Lifespan: The operational duration of any credit distribution extended under this agreement is strictly limited to short-term needs, with a timeline not to exceed 180 days.
• State-Permitted Fee Allocations: Depending on regional statutory parameters, accounts may incur late payment charges or non-sufficient funds (NSF) return handling fees. All exact values are explicitly calculated and displayed transparently prior to agreement finalization.

2. Three-Day Cancellation Window

Borrowers maintain the unrestricted right to cancel this credit transaction at zero cost or secondary obligation. To utilize this consumer protection, you must transmit a formal cancellation request via email to our support desk within 72 hours or three days of taking the loan. Returning the exact disbursed principal balance within this window completely voids the contract.

Early Settlement Exception (Prepayment): Settling your account liabilities prior to your scheduled maturity date will never trigger early payoff fees, account penalties, or prepayment charges of any kind.

PART II: AGREEMENT TERMS AND CONDITIONS

1. Contract Acceptance and Electronic Authorizations

By finalizing your request and authorizing the Company to process your funds, you accept all rules, boundaries, and mandates outlined within this operational agreement.

You provide your explicit consent for the Company to execute electronic fund presentations for all balances, interest fees, and liabilities due under your contract. This authorization includes the right to process electronic re-presentations for partial balances or incremental adjustments if an initial transaction is returned unpaid by your banking provider, alongside any legally permitted return item charges.

2. Zero-Tolerance Fraud Policy and Verification Requirements

Providing false authentication details, utilizing altered verification paperwork, or submitting a credit application under someone else's identity (Identity Theft) is strictly prohibited and subject to legal prosecution. The Company retains the absolute right to compile and deliver transaction footprints, application data, and network logs to municipal, state, or federal law enforcement agencies for full criminal investigation.

3. Collective Dispute Class Action Waiver

To the maximum extent permitted by regional statutes, you explicitly agree that all contractual disputes, account controversies, or legal claims involving the Company will be managed strictly on an individual basis. You knowingly waive your right to initiate, join, or actively participate as a plaintiff, class representative, or private attorney general within any class-action lawsuit or multi-party litigation array against the Company.

4. Electronic Execution and Document Enforceability

You acknowledge and agree that digital records, electronic application forms, system photocopies, and remote transmissions hold identical legal validity and enforceability as physical, ink-signed original documents. Your explicit consent, whether completed through a recorded telephone verification, a digital checkbox selection, or by typing your name as an electronic signature - constitutes full execution of this contract.

5. Mandatory Binding Arbitration Agreement

Notwithstanding any contrary provisions contained within this document, both parties explicitly agree that any and all disputes, actionable claims, or legal controversies arising directly out of or relating to this contract will be managed exclusively through binding arbitration. This includes issues raised by or against either party, as well as arguments regarding the baseline validity, enforceability, or scope of this specific contract clause.

All resolutions will be administered in strict accordance with the Code of Procedure established by the National Arbitration Forum (NAF). Because this agreement is executed as a transaction involving interstate commerce, it is governed exclusively by the Federal Arbitration Act at 9 U.S.C. Section 1.

6. Waiver of Jury Trial and Choice of Venue

Both parties understand, acknowledge, and agree that they are choosing private arbitration over traditional courtroom litigation to resolve legal friction. While you possess a constitutional right or opportunity to litigate grievances through a public court system, you voluntarily choose to bypass that environment.

Please carefully read the following specific procedural parameters:

• Lender Court Option for Collections: Despite this master arbitration mandate, the Lender retains the unilateral right and sole option to initiate a collection lawsuit inside a traditional court of law to recover outstanding payment obligations, past-due balances, or defaulted loan principal sums.
• Unconditional Jury Waiver: Both parties knowingly, voluntarily, and unconditionally waive any right they possess to a jury trial, whether a dispute is processed through private arbitration or through an explicit debt collection action initiated in court by the Lender.
• Scope of Disputes: This binding framework encompasses all conflicts emerging under statutory law, common case law, and alternative legal doctrines, including but not limited to all tort actions, structural property conflicts, and breach-of-contract parameters.
• Hearing Location and Cost Mitigation: If an oral arbitration hearing is formally scheduled, the proceedings will take place at an administrative venue conveniently located near your primary personal residence. In the event that you cannot afford standard arbitration administrative costs, you may apply directly to the NAF to have your processing fees fully waived.

7. Consent For Electronic Records:

Please read the following information carefully. For your future reference, you should either print a physical copy of this section or retain these disclosures electronically within your personal records.

• 7.1. Introduction to Digital Disclosures: The Lender can provide the full capabilities of its online web application services exclusively on the condition that you consent to utilize and accept electronic signatures, digital records, and electronic notifications throughout this transaction (your "Consent"). By completing and submitting an online application, you explicitly acknowledge that you have received this disclosure document and provide your unrestricted consent to execute all business using electronic signatures, digital records, and electronic disclosures (collectively referred to as "Records").
• 7.2. Electronic Communications and Paper Copies: You retain the right to request a physical paper copy of any digital Record by submitting a formal email to our support team at support@getcashexpress.com. You may request these physical paper files even if you subsequently choose to withdraw your master electronic Consent. The Company maintains all transactional Records for the durations mandated by state and federal laws, and will provide requested paper copies to you at no administrative charge.
• 7.3. Consenting to Do Business Electronically: Before formalizing your digital Consent, you should carefully evaluate whether your personal hardware and software capabilities align with the technical infrastructure requirements specified below.
• 7.4. Scope of Electronic Consent: Your Consent to conduct business digitally and our mutual agreement to communicate electronically applies specifically and exclusively to this current credit transaction. Upon receipt of your Consent, the Lender will distribute all transaction summaries, loan notes, and regulatory disclosures electronically.
• 7.5. Technical Hardware and Software Requirements: To safely access, view, and securely retain your digital Records, you must utilize hardware and software configurations that meet the following modern operating parameters:
  1. Operating System & Hardware: An IBM-compatible, Windows, or Mac-compatible desktop computer, laptop, tablet, or smartphone equipped with active Internet access.
  2. Internet Web Browser: A modern, secure, and actively supported web browser (such as the latest stable versions of Google Chrome, Mozilla Firefox, Microsoft Edge, or Apple Safari) featuring a minimum of 128-bit TLS data encryption protocols.
  3. Document Viewer Software: An active PDF reader software component (such as Adobe Acrobat Reader or native browser PDF plugins) to access and save formal credit contract sheets.
  4. Infrastructure Updates: If the Lender updates these technical infrastructure requirements in a manner that introduces a material risk to your ability to safely retrieve electronic Records, the Lender will provide you with formal notification detailing those changes.
• 7.6. Revocation & Withdrawing Consent: You possess the unrestricted right to withdraw your electronic Consent at any time with zero financial fees or penalties. If you choose to withdraw your Consent prior to the formal finalization and funding of your credit file, your revocation will halt the process and prevent you from securing an online credit transaction over the internet. To formally withdraw your Consent, you must send an explicit email to support@getcashexpress.com. Please note that revoking your electronic Consent does not alter the legal effectiveness, validity, or enforceability of any credit obligations or digital Records you actively accepted and executed prior to your withdrawal (including, but not limited to, the Class Action Waiver and Mandatory Arbitration Agreement detailed above).
• 7.7. Maintaining Accurate Contact Metadata: You maintain a continuous operational obligation to keep the Lender promptly informed of any changes to your active email address or physical mailing address. To update your primary contact details, you must submit an address change notification via email to support@getcashexpress.com.
• 7.8. Mobile Servicing & Account SMS Communications: The Lender and its authorized operational agents retain the right to transmit SMS ("text") messages to the mobile cellular number provided within your credit application profile. These wireless communications may include payment reminders, automated account notifications, and loan collection messages. Your verified mobile phone number will be utilized strictly to contact you regarding your active account or for secondary purposes explicitly authorized within this contract, and will not be shared, leased, or distributed to non-affiliated third parties for external marketing purposes. The Lender does not assess internal fees or charges to transmit text messages or process text replies; however, you acknowledge that your mobile network carrier's standard text messaging, data, and airtime rates remain fully applicable. To halt these wireless message streams, you may text "STOP" from your mobile device in response to any alert, or transmit written opt-out instructions to the Lender via email or standard postal mail. You expressly authorize the Lender to place automated calls to your wireless device, including auto-dialed call streams or interactive communications featuring artificial or prerecorded voice messages, specifically to manage the collection of any past-due amounts or outstanding balances.
• 7.9. Digital Signatures, Bank Verification, & Legal Affirmations: By checking the acknowledgment frames and finalizing this web application, you state that you fully understand and agree to all terms, boundaries, and conditions outlined within this Agreement. Submitting this information digitally or completing a phone application constitutes a formal request for an online loan product. Under penalty of perjury, you certify that all personal data, income details, and banking credentials you provide are completely true, accurate, and current. You explicitly validate that you are not presently involved in an active bankruptcy proceeding, nor are you actively contemplating filing for bankruptcy protection now or at any point in the future. You grant the Lender express consent and authorization to independently verify all information provided within your application file, which includes securing consumer credit data, risk underwriting profiles, and background reports from authorized consumer reporting agencies or alternative database registries. You acknowledge that the Lender reserves the unconditional right to decline any applicant at any phase of the process, with cause determined exclusively by our internal risk judgment and completed corporate due diligence. To successfully process this credit request, you authorize the Lender to perform all necessary structural verifications, including direct employer validation and financial bank account routing verification. You accept personal responsibility for safeguarding any PIN, customer number, or login credentials assigned to your online profile.
• 7.10. Absolute Transfer & Corporate Assignment Powers: The Lender reserves all organizational rights, powers, and corporate privileges to assign, sell, lease, or transfer any of its legal interests, account balances, or contractual rights established under this Agreement to a corporate successor, independent assignee, or institutional purchaser for value. This structural corporate transfer can be executed at any time without providing prior notice to you and without requiring your secondary consent.
• 7.11. Collection Protocols and Processing of Financial Bank Accounts: If the Lender extends a credit configuration or funds an online loan to a consumer, the Lender will permanently treat the bank account routing numbers, ABA details, and account checking information provided by that consumer as fully authorized and eligible for the electronic processing of scheduled loan installments, interest dues, and outstanding collection payments.

If you are unable to log in, please email support@getcashexpress.com.

*I have read, understood, and agree to the Terms and Conditions & Privacy Policy of this loan application. All approved loans are financed and serviced directly by GetCashExpress.