Terms of Use

Effective Date: February 5, 2026

Overview

These Terms of Use (“Terms”) govern your access to and use of the Payday Cash Advance: Loans 247 mobile application, website, and any related features, tools, or services (collectively, the “App”), which is operated by GA Loans 247 LLC (“we,” “us,” or “our”). By downloading, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the App.

The App is a technology platform that allows users to explore potential cash advance or loan options offered by independent third-party financial providers. GA Loans 247 LLC does not issue loans, provide cash advances, or make credit decisions. All loan approvals, terms, rates, fees, and contractual obligations are determined solely by the participating third-party lenders or financial partners.

Eligibility

To access or use the App, you represent and warrant that you:

• Are at least eighteen (18) years of age, or the age of majority in your state of residence
• Are a lawful resident of the United States
• Have the legal capacity to enter into binding agreements
• Provide accurate, current, and complete information
• Use the App solely for personal, lawful, and non-commercial purposes

You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted through your account. You agree to notify us immediately if you suspect unauthorized access or use of your account.

Loan Terms, APR & Repayment

3.1 APR Range

Annual Percentage Rates (“APR”) represent the annualized cost of borrowing and may include interest and applicable fees. Loan or cash advance offers presented through the App may reflect APRs of up to 35%, depending on:

• Your credit profile and credit history
• The requested loan or advance amount
• The selected repayment term
• Underwriting criteria applied by the lender
• Applicable federal and state laws and regulations

All APRs, fees, repayment terms, and total payment amounts are fully disclosed to you before you accept any offer.

3.2 Repayment Terms

Repayment schedules vary by lender and product. Typical repayment terms range from 3 to 24 months. Before accepting an offer, you will receive a clear repayment schedule detailing:

• The total number of payments
• The amount of each payment
• Payment due dates

3.3 Payment Methods

Payments are generally processed through electronic funds transfers, such as ACH debits from your designated bank account. Certain lenders may offer alternative payment options. You are responsible for ensuring sufficient funds are available to avoid late fees, returned-payment fees, or other charges imposed by the lender.

3.4 Fees & Charges

Any applicable fees, including but not limited to origination fees, late fees, returned-payment fees, or expedited processing fees, will be clearly disclosed prior to acceptance of an offer. There are no hidden fees imposed by GA Loans 247 LLC.

3.5 Early Payoff

Some lenders may permit early repayment without penalty, which may reduce the total cost of borrowing. Early payoff terms vary by lender and are governed by the applicable loan agreement.

Account Responsibilities

You agree to provide accurate and truthful information and to keep such information updated throughout your use of the App. You may not:

• Submit false, misleading, or incomplete information
• Share your account credentials with others
• Access or attempt to access another user’s account
• Use the App for fraudulent, abusive, or prohibited purposes

We reserve the right to suspend or terminate accounts that are suspected of violating these Terms or engaging in unlawful or harmful behavior.

Electronic Communications

By using the App, you consent to receive electronic communications from us, including but not limited to:

• Email notifications
• SMS or text messages
• In-app notifications
• Electronic agreements, disclosures, and notices

You acknowledge that these electronic communications have the same legal effect as written documents. Certain legally required communications may not be subject to opt-out.

Data Accuracy & Authorization

By submitting information through the App, you authorize GA Loans 247 LLC to:

• Collect, store, and process your personal and financial information
• Share relevant data with participating lenders and service providers
• Use third-party services to verify identity, income, employment, and bank account information

Providing inaccurate, incomplete, or misleading information may result in denied requests, suspension or termination of your account, and potential legal consequences.

Fees & Compensation

The App is provided at no cost to users. GA Loans 247 LLC may receive referral fees or marketing compensation from third-party lenders or financial partners if you are connected through the App or obtain a financial product. Such compensation does not influence loan approval decisions or alter the terms offered by lenders.

Permitted & Prohibited Use

You agree to use the App only in compliance with applicable laws and regulations. Prohibited activities include, but are not limited to:

• Violating any federal, state, or local laws
• Attempting unauthorized access to systems, networks, or data
• Using bots, scrapers, or automated tools to extract data
• Uploading malware, viruses, or harmful code
• Copying, reverse engineering, or redistributing the App
• Sending unsolicited messages, spam, or promotional content

Violations may result in immediate account termination and legal action.

Service Changes

We reserve the right to modify, suspend, or discontinue any part of the App at any time, with or without notice. Temporary interruptions may occur due to maintenance, updates, or technical issues. GA Loans 247 LLC is not liable for service interruptions or feature modifications.

Intellectual Property

All content within the App, including text, graphics, logos, software, and data, is owned by GA Loans 247 LLC or its licensors and is protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes only. Unauthorized use, reproduction, or distribution is prohibited.

Disclaimers

The App and all content are provided on an “as is” and “as available” basis. GA Loans 247 LLC makes no warranties regarding accuracy, reliability, completeness, or availability. All express and implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement, are expressly disclaimed. Your use of the App is at your own risk.

Limitation of Liability

To the maximum extent permitted by law, GA Loans 247 LLC shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or other intangible losses

In no event shall our total liability exceed $100 per user. Certain jurisdictions may not permit these limitations.

Indemnification

You agree to indemnify, defend, and hold harmless GA Loans 247 LLC, its officers, employees, affiliates, and partners from any claims, damages, losses, or expenses arising from:

• Your use or misuse of the App
• Violations of these Terms
• Violations of applicable laws or third-party rights

Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any disputes shall be resolved through binding individual arbitration under the Federal Arbitration Act. Class actions and representative proceedings are not permitted. If arbitration is unavailable, disputes shall be resolved in state or federal courts located in Delaware.

Termination

We may suspend or terminate your access to the App at any time for violations of these Terms, suspected fraud, or harmful activity. You may discontinue use by uninstalling the App and closing your account where applicable. Provisions relating to liability, indemnification, and dispute resolution shall survive termination.

Changes to Terms

We may revise these Terms periodically. The Effective Date will be updated accordingly, and material changes may be communicated via in-app notices or email. Continued use of the App constitutes acceptance of the revised Terms.

Contact Information

For questions or concerns regarding these Terms, please contact:

GA Loans 247 LLC
Email: [email protected]
Address: 1855 Garland Ln, Boulder, CO 80304
Phone: (970) 423-5830