Terms & Conditions

1. Acceptance of Terms

By visiting, accessing, or using the PaycheckBolt website located at paycheckbolt.com ("Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy. If you do not agree, please discontinue use of the Site immediately.

2. Nature of Service

PaycheckBolt is a lead generation and matching platform, not a direct lender, bank, credit union, or financial institution. We do not make credit decisions, issue loans, or guarantee the availability of any loan offer. By submitting a request through our Site, you authorize us to share your information with our network of third-party lenders and financial service partners who may contact you with offers.

• We are not responsible for the terms, rates, or fees offered by third-party lenders.
• Any loan agreement is solely between you and the lender.
• We do not guarantee that submitting a request will result in a loan offer.

3. Eligibility

To use this Site and submit a loan request, you must:

• Be at least 18 years of age (19 in Alabama and Nebraska).
• Be a legal resident of the United States.
• Have a valid Social Security Number or Individual Taxpayer Identification Number.
• Have an active bank account in your name.
• Have a verifiable source of regular income.

Availability of loan matching services varies by state. Not all states are served, and amounts, terms, and rates vary by lender and state law.

4. Accuracy of Information

You agree to provide accurate, complete, and truthful information when submitting a loan request. Submitting false, misleading, or fraudulent information may constitute a violation of federal and state laws and may result in civil or criminal liability.

5. Rates, Fees & Costs Disclosure

Payday loans and short-term financial products can carry high annual percentage rates (APRs). For example, a $300 two-week payday loan with a $45 fee has an APR of approximately 391%. Rates and fees vary by lender, loan amount, term, and state. You are under no obligation to accept any offer. Always review and understand all terms before accepting any loan.

6. No Warranty

The Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or harmful components.

7. Limitation of Liability

To the fullest extent permitted by applicable law, PaycheckBolt and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from:

• Your use of or inability to use the Site.
• Any transaction or relationship between you and a third-party lender.
• Unauthorized access to or alteration of your transmissions or data.

8. Third-Party Links & Services

Our Site may contain links to third-party websites, lender portals, or partner sites. These links are provided for your convenience only. PaycheckBolt has no control over the content, privacy practices, or policies of third-party sites and assumes no responsibility for them. Accessing third-party sites is at your own risk.

9. Intellectual Property

All content on this Site, including text, graphics, logos, icons, and images, is the property of PaycheckBolt or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

10. Prohibited Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable regulations.
• Submit false or misleading personal or financial information.
• Attempt to gain unauthorized access to any portion of the Site or its infrastructure.
• Use automated means (bots, scrapers) to access the Site without our express written consent.
• Interfere with the security or proper functioning of the Site.

11. Governing Law & Dispute Resolution

These Terms shall be governed by the laws of the State of Delaware, without regard to its conflict of law principles. Any dispute arising under these Terms shall first be subject to good-faith negotiation. If unresolved, disputes shall be settled by binding arbitration administered under the rules of the American Arbitration Association (AAA) on an individual basis. You waive the right to participate in class action lawsuits to the extent permitted by applicable law.

12. TCPA Consent

By submitting a loan request, you expressly consent to receive calls, texts, and emails from PaycheckBolt and/or its lending partners at the phone number and email address you provide, even if your number is on a Do Not Call registry. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us at support@paycheckbolt.com.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

14. Contact Information

For questions regarding these Terms, please contact us:

• Email: legal@paycheckbolt.com
• Website: paycheckbolt.com