GENERAL TERMS AND CONDITIONS

In this Terms and Conditions, the applicant is referred to as “I” or “ME” and the creditor (LoanMart) is referred to as “YOU”.

I certify that everything I have stated in this application, and on any additional documents I may be required to submit with this application, is correct. I understand that YOU will retain this application whether or not it is approved. By checking the “I Agree” box and hitting “Enter”, I authorize YOU to check my credit and employment history and to answer questions that others may ask about my credit record. I agree to update credit information at your request if my financial condition changes. By providing a telephone number for a cell or other wireless device now or in the future, I also hereby expressly consent to receiving communications at that number, including but not limited to, live calls, emails, text messages and calls made by an automatic dialing system, from YOU or your agent, or any third-party debt collector, about 1) the servicing and collection of my account with YOU and 2) marketing information concerning other products or services offered by YOU or third parties.

We use services provided by a third party for fraud prevention and authentication purposes. The third-party service helps us decide whether to accept transactions from personal computers, mobile phones, or other devices by checking whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. The third-party service also helps verify your identity by registering and remembering devices associated with your account. For these purposes, a cookie file, flash storage token, or other code file may be placed on your device to identify it in the future when you visit our website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third-party’s server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third-party’s server responds with code recommending that the device be granted or denied access and the transactions be accepted, denied, or reviewed, according to settings we have selected. We also report to the third-party if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us. If you set your browser or device to reject these cookies or tokens, you may not be able to authenticate your device or conclude some transactions through our website or application. If you have questions about our use of an authentication or “device reputation” service, please contact us at compliance@loanmart.com.