Terms & conditions

PeachyAdvance.com ("we," "us," or "our") provides loan referral services ("Service") connecting consumers with prospective lenders and financial service providers ("Lender Partners"). By accessing our website(s) located at PeachyAdvance.com (the "Site") or related mobile applications ("Mobile Apps"), you agree to these Terms & Conditions of Use ("Terms").

IMPORTANT INFORMATION

These Terms include:

• Agreement to Arbitrate: You waive your right to a trial by jury and to participate in a class action
• Electronic Consent: Your consent to receive disclosures and agreements electronically is required
• Limitation of Liability: Our liability is limited to the fullest extent permitted by law

If you do not agree to these Terms, you are not authorized to use our Service.

1. Loan Referral Service

PeachyAdvance.com is not a lender and does not make loans, credit decisions, or loan offers. We do not guarantee loan approval, specific terms, or rates. Our Service may not be available in certain states. Our Service enables you to submit a loan request form ("Request Form") with your personal information, as detailed in our Privacy Policy, such as your name, contact details, Social Security Number, employment details, and banking information.

Once you submit a Request Form, PeachyAdvance.com shares your information with our Lender Partners. By submitting a Request Form, you understand and agree that you are requesting loan offers from the Lender Partners. You also agree that PeachyAdvance.com and the Lender Partners may contact you by any means (including email, telephone, SMS, and direct mail) to assist in processing your Request Form.

In cases where we are unable to connect you with a lender directly or through our referral network, we may refer you to other financial products or services such as credit education, debt relief, or other related solutions. These services are provided by third-party partners or referral networks, and your information may be shared with these providers to facilitate your connection. By submitting your information, you consent to being referred to these alternative services.

For more details about email communications, including the types of messages you may receive and how to opt out, please see Section 12: Email Communications.

For more details about SMS communications, including the types of messages you may receive and how to opt out, please see Section 13: SMS Communications.

For additional transparency about our partnerships and compensation structure, please refer to our Advertising Disclosure.

2. Credit Authorization

Lender Partners who receive your Request Form will review your information in real-time to determine whether it meets their underwriting criteria. To assess your eligibility for loan offers, Lender Partners may use your Request Form information to perform credit checks. By submitting a Request Form, you provide explicit consent for these checks, as detailed below:

Lender Partners may conduct two types of credit checks:

• Soft Credit Check: A credit inquiry that does not impact your credit score. This type of check is typically used to pre-qualify your loan request.
• Hard Credit Check: A formal credit inquiry that may impact your credit score. This check is performed only when necessary for finalizing loan approval.

Lender Partners may access your credit information from major credit bureaus, such as TransUnion, Experian, and Equifax. They may also use alternative data providers, including Microbilt, DataX, and Teletrack.

By submitting your Request Form, you authorize Lender Partners to access and review your credit information from the sources mentioned above. These checks are conducted in compliance with the Fair Credit Reporting Act (FCRA) and other applicable laws.

If a Lender Partner determines that your information meets their underwriting criteria, your browser will be redirected to their website for further processing. Once redirected, the Lender Partner's terms, privacy policies, and procedures will govern your interactions and any subsequent loan agreement.

Lender Partners may retain your information, regardless of whether you are approved for a loan. Your data may also be used to provide additional financial product offers or related services, as authorized under our Privacy Policy.

3. Tribal Lenders

Some Lender Partners may be tribal lenders operating under tribal law, which may not align with state laws regarding interest rates and fees. Tribal loans may have higher costs and different dispute resolution methods, such as tribal arbitration.

We strongly encourage you to review loan terms carefully before proceeding.

4. E-Consent and Electronic Disclosures

By using our services and submitting your information through our platform, you agree to conduct transactions electronically with PeachyAdvance.com and our participating Lender Partners. This consent applies to all aspects of the loan process and related services. Please read this section carefully as it outlines your rights and obligations under the E-SIGN Act.

Scope of Consent:

• You consent to receive all disclosures, agreements, communications, notices, and other documents electronically, including:
  • Loan agreements
  • Privacy notices
  • Payment reminders and debt collection communications
• Your electronic signature carries the same legal weight as a physical signature

System Requirements:

• To access and retain electronic disclosures, you must have:
  • A device with an internet connection
  • A current web browser capable of supporting secure connections
  • A PDF reader
  • An email account
• By providing your consent, you confirm that you have the necessary hardware and software to receive and retain such communications

Withdrawing Consent:

• You may withdraw your E-Consent at any time by contacting the respective Lender Partner. Note:
  • Withdrawal may result in delays or prevent you from completing the loan process
  • Contact information for withdrawing consent will be provided by the Lender Partner

Requesting Paper Copies:

• You have the right to request paper copies of any electronic records. Contact the respective Lender Partner for assistance. Fees may apply for paper requests.

Consent Duration:

• This E-Consent applies to all communications during the loan application process and, where applicable, throughout the term of your loan or related services.

5. Accuracy and Responsibility

You certify that all information provided on the Request Form is accurate and truthful.

• False or misleading information may result in denial, suspension, or termination of access to the Service

6. Modifications to the Service

We may modify, suspend, or discontinue any part of the Service at any time without prior notice.

7. Disclaimers and Limitation of Liability

• As-Is Service: The Service is provided "as is" without warranties of any kind
• No Guarantees: We are not responsible for the accuracy or completeness of information provided by Lender Partners
• Limitations of Liability:
  • We are not liable for any indirect, incidental, or consequential damages
  • In states where liability limitations are restricted, our liability will be the minimum allowed by law

8. Indemnification

You agree to indemnify and hold PeachyAdvance.com harmless from any claims, liabilities, or damages resulting from your use of the Service or violation of these Terms.

9. Arbitration Agreement

All disputes arising from your use of the Service will be resolved through binding arbitration under the Federal Arbitration Act.

• No Class Actions: Claims must be brought individually
• Opt-Out: You may opt out of arbitration within 30 days by mailing written notice to: PeachyAdvance.com Arbitration Opt-Out

10. Compensation Disclosure

We may receive compensation from Lender Partners for referring your information or for connecting you to their services. This may influence the order in which lenders are presented to you.

11. Privacy Policy

This agreement is subject to our Privacy Policy, which details how we collect, use, and protect your personal information. Specific rights for residents of Colorado, Connecticut, Utah, Virginia, and California are provided in supplemental notices (here for Colorado, Connecticut, Utah, and Virginia residents; here for California residents).

12. Email Communications

If you provide your email address, you consent to receive email communications from PeachyAdvance.com and its Lender Partners, as well as marketing partners. These communications may include:

• Transactional Emails:
  • Updates, reminders, and notifications directly related to your loan request or application
  • These messages are necessary for the completion of your loan application or use of the Service and cannot be opted out of while your application is active
• Marketing Emails:
  • Marketing offers and advertisements for financial products or services
  • You can opt out of marketing emails at any time by clicking the unsubscribe link included in each email or going here optmeout.me

Additional Information:

• If you receive marketing emails directly from a Lender Partner, you must contact them to opt out, as they operate independently of PeachyAdvance.com
• For assistance, contact us at [email protected]

13. SMS Communications

If you provide your mobile phone number, you consent to receive SMS messages from PeachyAdvance.com and its Lender Partners. These communications may include:

• Transactional SMS Messages:
  • Updates, reminders, and notifications directly related to your loan request or application
  • These messages are necessary for the completion of your loan application or use of the Service and cannot be opted out of while your application is active
• Marketing SMS Messages (only if you provide explicit consent, not required to use the Service):
  • Marketing offers and advertisements for financial products or services
  • You can opt out of marketing SMS at any time by clicking the unsubscribe link included in each SMS or going here optmeout.me

Additional Information:

• These messages may be sent using an automatic dialing system or other technology, even if your number is on a national or state Do-Not-Call registry
• Standard messaging and data rates may apply
• If you receive marketing SMS directly from a Lender Partner, you must contact them to opt out, as they operate independently of PeachyAdvance.com
• For assistance, contact us at [email protected]

14. Links to Third Parties

Our Site may contain links to third-party websites. We are not responsible for the content, policies, or practices of these websites.

15. Governing Law

These Terms are governed by the laws of Wyoming, excluding its conflict-of-law principles.

16. Contact Information

For questions or concerns:

• Email: [email protected]

17. Entire Agreement

These Terms constitute the entire agreement between you and PeachyAdvance.com, superseding all prior agreements.

18. Children's Privacy

This Service is intended for use only by individuals who are U.S. residents and at least 18 years old. By using our Site or Service, you confirm that you meet these eligibility requirements. Use of the Site or Service by individuals under 18 is strictly prohibited.