If Advantage 1, LLC declines this application for credit or is unable to process my application and/or registration for any reason, I authorize Advantage 1, LLC to forward my application and/or registration to other companies and/or lenders who review these applications.
I understand that this is a service to me to be considered for alternative sources of financing. I further understand that another lender may offer credit on different terms and conditions than Advantage 1, LLC.
I understand that I may or may not be offered credit from an alternate lender and that I should review the privacy policy of any lender prior to applying for credit.
I agree that I have read and understand these Terms and Conditions.
High-Interest loans should be used for short term financial needs only and not as a long- term financial solution; and Customers with credit difficulties should seek credit counseling before entering into any high interest loan transaction.
Advantage 1, LLC ("ADV1") is providing you the following information in a manner consistent with principles under United States federal law. It is the policy of ADV1 to make credit products and associated loan operations support services available to all qualified applicants without discriminating on the basis of race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant's income derives from any public assistance program; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
It is ADV1 policy to treat all consumers consistently and fairly. The standard for all employees is to provide service in a fair, equitable, and consistent manner. ADV1 is committed to making credit products and services available to diverse communities and customers on an equal opportunity basis. This commitment is reflected in formal processes and systems designed to ensure compliance with fair lending requirements. ADV1 dedicates information and training resources in an ongoing effort to maintain a high level of employee awareness for providing credit products and services in a fair, equitable, and consistent manner.
You authorize Advantage 1, LLC ("us" or "we") to verify the information given in connection with this loan application, and you give us consent to obtain information about you from a consumer reporting agency or other sources to verify all of the information you have provided us, including past and/or current information. If there is any missing or erroneous information in or with your loan application regarding your Bank Account (including without limitation your bank, bank routing number, or account number), you authorize us to verify and correct such information.
ADV1 will not engage in advertising practices or other outgoing communications that would discourage on a prohibited basis the making or pursuing of an application for credit.
ADV1 will provide notices of action taken on loan applications in a manner consistent with the principles of the Equal Credit Opportunity Act and Federal Reserve Board Regulation B.
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.
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The following are terms of a legal agreement (the "Agreement") between you and ADV1 ("ADV1", "we", "us", or "our") that sets forth the terms and conditions for your use of this web site (the "Site"). This Site is being provided to you expressly subject to this Agreement. By accessing, browsing and/or using this site ("Site"), you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of our bargain.
We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes. We may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability.
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This site may contain links to websites controlled or offered by third-parties (non-affiliates). ADV1 hereby disclaims liability for any information, materials, products or services posted or offered at any of the third-party sites linked to this website. By creating a link to a third-party website, ADV1 does not endorse or recommend any products or services offered or information contained at that website, nor is ADV1 liable for any failure of products or services offered or advertised at those websites. Such third-party may have a privacy policy different from that of ADV1 and the third-party website may provide less security than the ADV1 site.
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You agree to indemnify and hold harmless ADV1 from and against any and all claims, losses, expenses, demands or liabilities, including attorneys' fees and costs, incurred by ADV1 in connection with any claim by a third party (including any intellectual property claim) arising out of (i) materials and content you submit to, post to or transmit through the Site, or (ii) your use of the Site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. ADV1 reserves the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of ADV1.
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All information submitted to ADV1 via this site shall be deemed and remain the property of ADV1 and ADV1 shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides ADV1 through this Site. ADV1 shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the ADV1 entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing ADV1's responsibilities and obligation to customers in accordance with the ADV1 Privacy Policy.
ADV1's practices and policies with respect to the collection and use of personally identifiable information are governed by ADV1's Privacy Policy.
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. By offering this site and Content no distribution or solicitation is made by ADV1 to any person to use the Site or Content in jurisdictions where the provision of the site and/or content is prohibited by law.
This Agreement is effective until terminated by ADV1. ADV1 may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Site at any time, with or without cause, in ADV1's absolute discretion and without notice. The following provisions of the Agreement shall survive termination of your use or access to the Site: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Applicable Law and Dispute Resolution, and General Provisions, and any other provision that by its terms survives termination of your use or access to the Site.
Failure by ADV1 to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.
Failure by ADV1 to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.
This Agreement shall be subject to any other agreements you have entered into with ADV1.
Certain sections or pages on the Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.
If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
This Agreement supersedes any previous Terms of Use Agreement to which you and ADV1 may have been bound. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
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Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is licensed by ADV1 unless otherwise indicated.
Last Updated: January 6, 2013