Important Notice: Please read these Terms of Service carefully before using our loan matching platform. By accessing or using our services, you agree to be bound by these terms.
1. About Our Service
GODS WILLING PAY DAY LOAN, INC ("we," "us," "our," or "Company") operates as a loan matching platform that connects potential borrowers with licensed lending partners. We do not directly provide loans or make lending decisions.
Our Role
- We facilitate connections between borrowers and our network of licensed lenders
- We provide a platform for loan application submission and processing
- We offer customer support for the matching process
- We do not make lending decisions or determine loan terms
2. Eligibility Requirements
To use our loan matching service, you must meet the following criteria:
- Be at least 18 years of age
- Be a legal resident of the United States
- Have a valid Social Security Number
- Maintain an active checking account
- Have a verifiable source of income
- Provide accurate and complete information in your application
Note: Meeting these requirements does not guarantee loan approval. Final lending decisions are made by our partner lenders based on their individual criteria.
3. Application Process
Information Collection
When you submit a loan application through our platform, you authorize us to:
- Collect and verify your personal and financial information
- Share your information with potential lending partners
- Perform credit checks and income verification as needed
- Contact you regarding your application status and potential loan offers
Application Accuracy
You agree to provide truthful, accurate, and complete information. Providing false or misleading information may result in:
- Immediate application rejection
- Termination of service access
- Legal consequences under applicable fraud laws
4. Loan Terms and Conditions
Loan Amounts and Terms
Through our lending partner network, loans are typically available in the following ranges:
- Loan Amounts: $500 to $5,000
- Repayment Terms: 3 to 24 months
- APR Range: 6.99% to 35.99%
Important: All loan terms, including interest rates, repayment schedules, and fees, are determined solely by the lending partners. We do not influence or guarantee any specific terms.
No Guarantee of Approval
Submitting an application through our platform does not guarantee:
- Loan approval from any lender
- Specific loan terms or amounts
- Particular interest rates or fees
- Funding within any specific timeframe
5. Fees and Costs
Our Service Fees
Our loan matching service is provided free of charge to borrowers. We do not charge fees for:
- Application submission or processing
- Loan matching services
- Customer support assistance
- Platform access or usage
Lender Fees
Individual lenders may charge various fees as disclosed in their loan agreements, including but not limited to:
- Origination fees
- Late payment fees
- Insufficient funds fees
- Prepayment penalties (where applicable)
6. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms of Service.
Information Sharing
By using our service, you consent to our sharing of your information with:
- Licensed lending partners for loan evaluation
- Third-party service providers who assist in our operations
- Credit bureaus and verification services
- Legal authorities when required by law
7. User Responsibilities
Account Security
You are responsible for:
- Maintaining the confidentiality of your account information
- Notifying us immediately of any unauthorized access
- Ensuring your contact information remains current
- Using our platform only for lawful purposes
Prohibited Activities
You agree not to:
- Submit multiple applications with false information
- Attempt to circumvent our security measures
- Use our platform for fraudulent purposes
- Interfere with other users' access to our services
8. Disclaimers and Limitations
Service Disclaimers
Our platform is provided "as is" without warranties of any kind. We disclaim all warranties, including:
- Implied warranties of merchantability
- Fitness for a particular purpose
- Non-infringement of third-party rights
- Uninterrupted or error-free service
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for:
- Any indirect, incidental, or consequential damages
- Loss of profits, data, or business opportunities
- Actions or decisions made by lending partners
- Technical issues or service interruptions
9. Modifications and Termination
Terms Updates
We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to our website. Your continued use of our services constitutes acceptance of the modified terms.
Service Termination
We may terminate or suspend your access to our services at any time, with or without notice, for:
- Violation of these Terms of Service
- Suspected fraudulent activity
- Legal or regulatory requirements
- Business operational reasons
10. Governing Law and Disputes
These Terms of Service are governed by the laws of the State of Massachusetts, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Class Action Waiver
You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.
Acknowledgment: By using our loan matching platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.