Effective Date: 05.06.2025
1. Acceptance of Terms
By using the Lend & Loan: Cash Advance mobile application (“App”) and related lending services, you agree to these Terms and Conditions (“Terms”). If you do not agree, do not use the App or its services. Lend & Loan: Cash Advance is owned and operated by LEND AND LOAN LLC, located at 620 Newport Center Dr Ste 1100 Newport Beach, CA, 92660-8011.
2. Our Services
Lend & Loan: Cash Advance is a direct lending platform offering short-term cash advance loans to eligible users in the United States. Through the App, users can apply for, manage, and repay loans directly with LEND AND LOAN LLC.
3. Eligibility Requirements
- Be 18 years or older (or the age of majority in your state)
- Be a U.S. legal resident
- Hold a valid Social Security Number
- Maintain an active checking account
- Have a consistent income
- Meet any additional eligibility criteria as determined by us
By using our services, you confirm you meet these requirements.
4. Your Account & Responsibilities
Upon account creation, you are responsible for maintaining your login confidentiality and all activity on your account. You agree not to:
- Use the App for illegal or fraudulent purposes
- Provide false or misleading information
- Tamper with or impair the App’s functionality
- Violate these Terms or any applicable law
5. Loan Terms
- Loan Amount: The principal you borrow
- Interest & Fees: Rates and charges applicable to your loan
- Repayment Schedule: Due dates and amounts
- Total Repayment: Total amount owed, including all charges
- Late Fees: Applicable if payments are missed
- Default Terms: When a loan is considered in default and its consequences
By accepting a loan, you agree to repay it as outlined. Please review all terms carefully before accepting.
6. Credit Check Authorization
By applying, you authorize LEND AND LOAN LLC to access your credit report and related data from credit bureaus and third-party providers to evaluate your application.
7. Electronic Communications & Signatures
You consent to receive communications, disclosures, and agreements electronically, via email or through the App. These satisfy legal requirements for written communication. You also agree to use electronic signatures in connection with your loan documents.
8. Intellectual Property
All content within Lend & Loan: Cash Advance, including text, graphics, and software, is owned by LEND AND LOAN LLC or its licensors. You are granted a limited, non-transferable license to use the App in accordance with these Terms.
9. Disclaimer of Warranties
Lend & Loan: Cash Advance and its services are provided “as is” and “as available.” We make no guarantees regarding availability, accuracy, or performance, and disclaim all warranties, including merchantability and fitness for a particular purpose.
10. Limitation of Liability
To the fullest extent permitted by law, LEND AND LOAN LLC is not liable for indirect, incidental, or consequential damages related to your use of the App or our services. Our total liability will not exceed the amount of the loan you received, if any.
11. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Disputes must be resolved in the state or federal courts located in Newport Beach, CA, to which you consent.
12. Privacy Policy
Use of the App is also subject to our Privacy Policy, which details how we handle your personal information. You can review the Privacy Policy at https://lendandloanapp.com/privacy-policy.
13. Modifications to Terms
LEND AND LOAN LLC reserves the right to change these Terms at any time. Material updates will be communicated via the App or email. Continued use after updates means you accept the revised Terms. Please review them regularly.
14. Contact Us
LEND AND LOAN LLC
620 Newport Center Dr Ste 1100 Newport Beach, CA, 92660-8011
Email: support@lendandloanapp.com
Phone: (555) 345-8192