Terms and Conditions

Welcome to Money In Minutes: Cash advance. These Terms of Use ("Terms") represent a legally binding agreement between you ("User," "you," or "your") and MONEY IN MINUTES PAYDAY LOANS, L.L.C. ("Company," "we," "us," or "our"). These Terms govern your access to and use of the Money In Minutes: Cash advance mobile application (the "App") and related services. Please review them carefully. By using the App, you agree to be bound by these Terms. If you do not accept them, you must discontinue using the App immediately.

1. Our Services

The App provides a platform that connects users with independent third-party lenders ("Lenders"). We are not a direct lender. We do not issue loans, make credit decisions, or determine loan terms. Instead, we facilitate the submission of your loan request and may display loan offers from Lenders based on the information you provide.

We do not guarantee:

• Approval for any loan request
• A specific loan amount
• Any particular interest rate, repayment term, or outcome

All loan agreements are strictly between you and the chosen Lender.

1.1 Loan Terms

Loan offers facilitated through the App may feature Annual Percentage Rates (APR) generally ranging from 6.99% to 35.99%. Your rate and loan terms will depend on your credit profile, income, and other eligibility factors determined by the Lender.

1.2 Repayment Terms

Typical repayment schedules available from Lenders range from 90 days (3 months) up to 24 months. The exact repayment structure, including payment frequency and amounts, will be detailed in your loan agreement with the Lender.

2. Eligibility

To use the App, you must:

• Be at least 18 years old
• Be a legal resident of the United States
• Have the legal capacity to enter into a binding agreement

By using the App, you confirm that you meet these requirements.

3. Account Registration and Security

Some features of the App may require you to create an account. You agree to:

• Provide accurate, complete, and up-to-date information
• Keep your login credentials confidential
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts if fraudulent, abusive, or unlawful activity is suspected.

4. Loan Offers and Third-Party Lenders

We are not a party to any agreement you may enter into with a Lender. We do not endorse or recommend any Lender's products. You are solely responsible for reviewing loan terms and conditions before accepting an offer.

5. No Guarantee of Approval

Submitting a loan request does not guarantee an offer, approval, or funding. Loan decisions are made exclusively by the Lenders based on their own policies and criteria.

6. Fees and Charges

We do not charge users any fees for accessing or using the App. However, Lenders may impose fees, including but not limited to:

• Origination fees
• Late payment fees
• Insufficient funds (NSF) fees
• Interest charges

You are solely responsible for reviewing and agreeing to any costs associated with your loan agreement.

7. User Conduct

You agree not to use the App in a way that:

• Violates any applicable law or regulation
• Submits false, inaccurate, or misleading information
• Attempts to interfere with or disrupt the App's operation
• Attempts to gain unauthorized access to data or systems
• Breaches App security measures

8. Privacy and Data Collection

Your use of the App is governed by our Privacy Policy, which explains how we collect, use, and safeguard your information. By using the App, you consent to the practices described in the Privacy Policy.

9. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis. We disclaim all warranties, whether express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement

We do not guarantee that the App will operate error-free, uninterrupted, or fully secure.

10. Limitation of Liability

To the maximum extent allowed by law, the Company shall not be liable for indirect, incidental, consequential, or punitive damages resulting from your use of the App or interactions with Lenders.

11. Indemnification

You agree to indemnify and hold harmless MONEY IN MINUTES PAYDAY LOANS, L.L.C., its affiliates, officers, employees, and agents from any claims, losses, damages, or expenses arising from your violation of these Terms or misuse of the App.

12. Changes to These Terms

We may update these Terms at any time. Updates will take effect once posted in the App. Continued use of the App after updates constitutes your acceptance of the revised Terms.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and interpreted under the laws of the State of Wyoming, without regard to conflict of law principles. Any dispute arising out of these Terms or your use of the App shall be resolved through binding arbitration in Wyoming, unless prohibited by applicable law.

14. Contact Information

If you have any questions about these Terms, please contact us at:

MONEY IN MINUTES PAYDAY LOANS, L.L.C.
Email: support@laffairecashmere.com