Terms and Conditions of Use
Effective date: 3/27/2025
The Terms and Conditions of Use set forth here form a binding agreement between PaydayLoansSpokane.co (hereafter referred to as our, ours, us, we, or the company) and you, the user (also referred to as you, your, yours, user, or users), who accesses and/or attempts to use the services provided through this website (hereafter referred to as the webpage, website, or site). These conditions govern the relationship between the aforementioned parties concerning your use of this site.
PaydayLoansSpokane does not function as a lending institution nor does it act as an agent for any financial institution, finance product, or financial service. We do not make credit decisions. Instead, our role is to connect you with potential lenders from a network of third-party financial entities that might offer the credit products you are seeking. This connection is based on information you voluntarily provide through our online registration form.
We strongly recommend that all users review these terms and conditions thoroughly before continuing to use this website, engaging with our services, or submitting any personal information via our request form. By submitting your information and continuing to use the site, you acknowledge that you have read and understand these terms, including the details provided in our Privacy Policy and related documents.
This website is intended for use exclusively by residents of the United States who are of legal age. By continuing to use this site, you confirm that you are at least 18 years old and reside in the United States. Please note that our services are not available in certain states, including but not limited to New York, Arkansas, Vermont, and West Virginia, due to state-specific regulations regarding short-term loans and lending practices. This list of restricted states may be updated periodically. Always verify the legal status of your state of residence by checking the Rates and Fees page, which links to the relevant government websites for the most current information.
If you do not agree with these terms and conditions, please cease using this website immediately and exit the page.
Company Services
We are not a lender and do not issue any credit decisions. Our service is designed to connect you with third-party lenders who may offer loan products that correspond with your inquiry. While these short-term loans are subject to state laws and may be available for amounts up to $1,000, any approval and credit evaluation is solely at the discretion of the third-party lender. The specific terms of any loan depend on various factors unique to the applicant. We do not guarantee that you will be matched with a lender or that you will receive a loan for the amount you request.
We advise anyone with concerns about loan offers to consult with a financial professional. Short-term loans can be costly and are best used sparingly and appropriately. We have no control over, nor access to, the details of any credit product’s terms and do not accept responsibility for the credit decisions made by third-party lenders.
By using this website, you agree to these terms and conditions as well as any additional documents provided here. You acknowledge that we accept no liability for any damages, fees, or losses arising from your interactions with any of the lenders connected through our service.
Prior to using the services offered on this site, you must register by completing an online form where you will provide personal, employment, contact, and financial information, including your social security number and bank account details. This information is necessary to facilitate the matching process with a third-party lender who may approve your loan request. By submitting your information, you authorize us to share it directly with the third-party lender, and you agree to our collection, sharing, storage, and use practices as outlined in our privacy policy. This submission constitutes your formal request to be matched with a contracted third-party lender, who may contact you via telephone, mail, or email regarding their lending services. Some of your information may also be shared with third-party marketers as described in our marketing practices documentation.
Your social security number and other provided details may be used by these third-party lenders to verify your credit score and assess your overall eligibility for their services. We cannot guarantee that your loan request will be approved. For further details regarding these financial products, please contact the respective lender or service provider directly.
Authorized Use and Proprietary Rights
This website is intended to be used solely as described in these terms and conditions, in accordance with all applicable laws and regulations. The content on this website is protected by copyright, and any unauthorized use, reproduction, or representation of this content is strictly prohibited and may result in legal action. Moreover, using this content for any commercial purposes is illegal.
The company retains irrevocable ownership rights over all content on this site, including but not limited to videos, images, text, records, logos, trademarks, and other assets. This content is safeguarded by copyright laws and the Intellectual Property Laws of the United States. Users do not obtain any ownership rights to the content provided on this website. Reproduction, resale, duplication, plagiarism, or any other manipulation of this content is strictly forbidden.
Disclaimer of Warranties
THIS WEBSITE AND THE SERVICES OFFERED ARE PROVIDED “AS IS” AND “AS AVAILABLE.” YOU ACCESS AND USE THESE SERVICES AT YOUR OWN RISK, UNDERSTANDING AND ACCEPTING THE TERMS OF USE SET FORTH HEREIN. THE COMPANY MAKES NO PROMISES OR WARRANTIES REGARDING ANY SERVICE OR PRODUCT, AND ALL OFFERS, TERMS, AND CONDITIONS ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE. WE DO NOT GUARANTEE THAT ANY PRODUCT WILL SATISFY YOUR NEEDS OR REQUIREMENTS, NOR THAT THESE SERVICES WILL BE CONTINUOUS, ERROR-FREE, OR COMPLETELY SECURE. AS SUCH, THE COMPANY SHALL NOT BE HELD LIABLE FOR ANY DAMAGES OR LOSSES ARISING FROM ANY ERRORS OR PROBLEMS. WE HAVE NOT VERIFIED OR REVIEWED THE CONTENT OF THIRD-PARTY LENDER SITES OR OTHER EXTERNAL PROVIDERS ACCESSED THROUGH THIS WEBSITE. IT IS YOUR RESPONSIBILITY TO RESEARCH AND CONFIRM THE VALIDITY OF THESE SERVICES BEFORE UTILIZING THEM. ACCESSING THIRD-PARTY WEBSITES IS AT YOUR OWN RISK, AND THE COMPANY IS NOT RESPONSIBLE FOR ANY RESULTING LOSSES OR EXPENSES.
Limitation of Liability
THE COMPANY SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES (WHETHER INDIRECT, DIRECT, INCIDENTAL, CONSEQUENTIAL, OR OTHERWISE) THAT MAY ARISE FROM YOUR USE OF THIS SITE OR THE SERVICES PROVIDED BY THIRD-PARTY LENDERS IDENTIFIED ON THIS SITE. OUR LIABILITY, IF ANY, IS LIMITED STRICTLY TO THE TOTAL AMOUNT PAID BY YOU FOR ACCESSING OR USING THIS WEBSITE.
IN CERTAIN JURISDICTIONS WHERE SOME LIABILITY LIMITATIONS ARE NOT PERMITTED, THE COMPANY WILL ADJUST ITS LIABILITY LIMITS TO COMPLY WITH THE LAW.
Implication of Privacy Policy in Marketing Activity
By providing your information on this website, you consent to the use and sharing of your data for marketing purposes, as described in our privacy policy. This means that your information may be passed along to associated third-party marketers and lenders. If you wish to have your information removed from our website, please contact us directly. To have your information removed from any third party’s records, you will need to reach out to them directly.
Third-Party Websites
PaydayLoansSpokane.co may include links to websites of third-party providers along with details about their services. The company is not responsible for the content found on these external websites, including the accuracy of the information or any claims they make. We do not represent or endorse these third-party sites or their affiliates, and you assume all risks when accessing and using them. We are not liable for any consequences that may arise from your use of these external sites or services.
Disputes
Any disputes arising from the use of this website or any services provided herein will be governed by the laws of the state in which the service or business operates. Should a dispute arise, you must file an official complaint with the appropriate governing body. Such disputes will be handled by the company in compliance with all relevant local and federal regulations in effect at the time of filing. Any disagreements between you and the company will be resolved through arbitration, as detailed in these terms. By accepting these conditions, you waive your right to represent yourself or to have legal representation in court, and you also waive your right to participate in class action lawsuits against the company.
An authorized arbitrator from the American Arbitration Council will determine the maximum amount for any compensatory damages, which cannot exceed the amount claimed by you. Furthermore, no consequential, incidental, or punitive damages may be awarded since you have waived the right to claim such damages. Arbitration decisions are binding. However, the company reserves the right to file a counterclaim in a court with proper jurisdiction as an alternative means of resolving the dispute.
If you do not agree with these arbitration provisions, please send a written notice to the company within ten (10) days of accepting these terms and conditions. Your notice should include your full name, contact number, address, email, and a statement reading, “I reject the arbitration clause of PaydayLoansSpokane stated on the terms and conditions of use page on its website.” If you reject this clause, you retain the right to bring a legal claim in a court of competent jurisdiction within one (1) year from the date the damage occurred. After this period, any claim will be considered null and void.
Export Restriction
Due to embargo restrictions, residents of the following countries are not permitted to access the services or products provided on this website:
- Iran
- North Korea
- Syria
- Cuba
- Libya
- Iraq
- Sudan
- Any other country subject to a U.S. goods and services embargo
Furthermore, the following individuals are prohibited from using the services offered on this website:
- Persons listed under the U.S. Commerce Department’s Table of Denial Orders
- Individuals identified on the U.S. Treasury Department’s list of Specially Designated Nationals
By using this website, its services, or by submitting information through the provided form, you confirm that you do not fall into any of these prohibited categories.
Indemnification
Your use of the website and any services offered constitutes your agreement to indemnify and hold harmless the company, its parent company, subsidiaries, affiliates, and their respective directors, agents, employees, bankers, and partners from any claims, liabilities, expenses, or losses resulting from:
- misuse or abuse of this website
- a breach of these terms and conditions
- disputes between you and any third parties (even those matched through this website)
Should any dispute or claim be initiated by you, these indemnification terms will be enforced.
Complete Agreement
The presentation of these terms and conditions constitutes the entire agreement between the company and users of this website. This document supersedes any prior or concurrent agreements. If any provision is found to be invalid, the remainder of the terms will continue in full force and effect.
Modifications and Updates
PaydayLoansSpokane.co reserves the right to modify or update these terms and conditions at any time without prior notice. Changes become effective immediately upon being published on this website, unless a different effective date is specified within the updated terms. The effective date will be revised to reflect any changes. We recommend reviewing these terms prior to each use of this website to remain informed about the current conditions. We may also notify users of changes via email or other communication channels as described in our Privacy Policy.
Severability and Termination
If any provision of these terms is deemed outdated, unlawful, or inconsistent with prevailing regulations, that provision will be deemed null and void while the remaining provisions will remain enforceable as a complete agreement. The company’s failure to enforce any provision does not constitute a waiver of that provision or any other rights under these terms.
PaydayLoansSpokane.co reserves the right to deny or terminate your access to this site if you violate any of the terms and conditions set forth herein. The company retains the sole discretion to terminate access if applicable laws or regulations are breached. Should you wish to end your agreement with us, simply stop using the site; however, the terms outlined here will continue to remain in effect after termination.
Headings
The headings in this document are provided for convenience only and do not affect the interpretation or enforceability of the terms and conditions contained herein.
Contact Information
If you have any questions, complaints, or comments regarding the services or the terms of this website, please contact us via email at [email protected].
If you believe your rights related to your loan have been violated, please reach out to the appropriate regulatory authorities in your state of residence.
BY USING THIS WEBSITE, YOU CONFIRM THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO ABIDE BY THESE TERMS AND CONDITIONS OF USE. USERS ARE WELCOME TO PRINT A COPY OF THIS AGREEMENT FOR THEIR RECORDS.