Terms of Use

1. Acceptance of Terms

By accessing or using the Cash Advance Guide – FinBear application ("App") and our lending services, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not use our services.

Cash Advance Guide – FinBear is owned and operated by Rapid Cash Advance LLC, located at 117 S Lexington St, Harrisonville, MO, 64701-2444.

2. Description of Services

Cash Advance Guide – FinBear is a direct lending platform that provides short-term cash advance loans to eligible users in the United States. Through our App, you can apply for a loan, receive a loan decision, and manage your loan account directly with Rapid Cash Advance LLC. We handle all aspects of the loan process, from application to repayment.

3. Eligibility

To be eligible to apply for and receive a loan through Cash Advance Guide – FinBear, you must:

  • Be at least 18 years old (or the legal age of majority in your state).
  • Be a legal resident of the United States.
  • Have a valid Social Security Number.
  • Have a checking account with a valid financial institution.
  • Have a regular source of income.
  • Meet our other eligibility criteria as determined from time to time.

By using the service, you represent and warrant that you meet these eligibility requirements.

4. Account and User Responsibilities

When you create an account with Cash Advance Guide – FinBear, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

You agree not to:

  • Use Cash Advance Guide – FinBear for any illegal or fraudulent activities.
  • Provide false, inaccurate, or misleading information during the application process or at any other time.
  • Attempt to access or use the service in a manner that could damage, disable, overburden, or impair its functionality.
  • Engage in any conduct that violates these Terms or any applicable laws or regulations.

5. Loan Terms and Conditions

If your loan application is approved, you will be presented with specific loan terms and conditions, including:

  • Loan Amount: The principal amount of the loan.
  • Interest Rate and Fees: The applicable interest rate, finance charges, and any other fees associated with the loan.
  • Repayment Schedule: The due dates and amounts of your loan payments.
  • Total Repayment Amount: The total amount you will repay, including principal and all applicable charges.
  • Late Payment Fees: Any fees that may be charged if you fail to make timely payments.
  • Default: The conditions under which your loan may be considered in default and the consequences of default.

By accepting the loan terms, you agree to repay the loan according to the schedule provided. It is crucial that you carefully review and understand all loan terms before agreeing to them.

6. Authorization for Credit Checks

By applying for a loan through Cash Advance Guide – FinBear, you authorize Rapid Cash Advance LLC to obtain your credit report and other information from credit bureaus and other third-party providers for the purpose of evaluating your creditworthiness and verifying your information.

7. Electronic Signatures and Communications

By using Cash Advance Guide – FinBear, you consent to receive all communications, agreements, documents, notices, and disclosures (collectively, "Communications") from us electronically, including via email and through the App. You agree that all Communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You also agree to the use of electronic signatures in connection with your loan agreement and other documents.

8. Intellectual Property

The Cash Advance Guide – FinBear application and its content, including but not limited to text, graphics, logos, and software, are the property of Rapid Cash Advance LLC or its licensors and are protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for the purpose of accessing our lending services in accordance with these Terms.

9. Disclaimer of Warranties

Cash Advance Guide – FinBear and our services are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the App will be error-free or uninterrupted.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Rapid Cash Advance LLC and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of Cash Advance Guide – FinBear or our services, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising out of or relating to these Terms or your use of our services shall not exceed the amount of the loan you received (if any).

11. Governing Law and Dispute Resolution

These Terms and your use of our services shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in New Castle County, Delaware. You hereby irrevocably consent to the jurisdiction of and venue in such courts.

12. Privacy Policy

Your use of Cash Advance Guide – FinBear is also governed by our Privacy Policy, which outlines how we collect, store, and use your personal data. By using Cash Advance Guide – FinBear, you acknowledge that you have read and understood our Privacy Policy, which is incorporated into these Terms by reference and is available at caplapp.org.

13. Changes to These Terms

Rapid Cash Advance LLC reserves the right to update or modify these Terms at any time. We will notify you of any material changes by posting the updated Terms in the App and/or by other means (e.g., email). Your continued use of Cash Advance Guide – FinBear after the effective date of the revised Terms constitutes your acceptance of the changes. It is your responsibility to review the Terms periodically for any updates.

14. Contact Information

Rapid Cash Advance LLC
117 S Lexington St, Harrisonville, MO, 64701-2444
Email: support@caplapp.org