Disclaimer

Plain-English summary. We are not a lender and we do not give financial advice. The app shows you offers from other companies; those companies decide whether to lend and on what terms. Figures on this site are illustrations unless a provider shows them to you in a disclosure. Nothing here is a promise that you will be approved or that any rate is available to you.

1 Scope

This Disclaimer applies to daffinance.com (the “Site”), the mobile application Paycheck Advance: DAF Finance (the “App”), and all content published by DAF Finance LLC (“DAF Finance,” “we,” “us”), including articles in the Journal. It should be read together with our Terms of Use, Privacy Policy (App), Website Privacy Policy and Advertising Disclosure. Where this Disclaimer and the Terms of Use conflict, the Terms of Use control.

2 DAF Finance is not a lender

DAF Finance LLC is not a lender, loan broker in the sense of arranging credit on your behalf, bank, credit union or financial institution. We do not make loans, make credit decisions, set interest rates or terms, fund loans, service loans, collect payments or hold any debt. We do not approve or deny applications.

The App is a comparison service. It displays offers from third-party loan providers (“Providers”) that participate in our service and, when you choose a Provider and tap Apply, transmits your request to that Provider. Any loan you obtain is a contract between you and the Provider. The Provider, not DAF Finance, is responsible for the loan, its terms, the disclosures given to you, and its servicing and collection.

3 No guarantee of offers, approval or terms

Using the App does not guarantee that you will receive an offer, that you will be approved by any Provider, or that any particular rate, amount or term will be available to you. Each Provider applies its own eligibility criteria, which may include a credit inquiry, and makes its own decision.

The amount, term and APR ranges published on the Site and in the App ($50 – $3,500, 3 – 24 months, 4.49 % – 35.00 % APR) describe the limits within which participating Providers’ offers fall. They are not an offer to you and do not mean that any Provider will offer you terms at any point in those ranges. Your actual terms, if a Provider offers you a loan, are stated in that Provider’s disclosure and agreement.

Nothing displayed in the App before you reach a Provider’s own application is a pre-approval, pre-qualification or commitment of any kind.

4 Not financial, legal or tax advice

Content on the Site and in the App, including the Journal, the Transparency page, the Responsible Lending page and any explanations of APR, fees or budgeting, is general information provided for educational purposes. It is not financial, legal, tax or credit advice, and it does not take account of your individual circumstances. You should not rely on it as a substitute for advice from a licensed professional. If you need advice about your own situation, consult a licensed financial advisor, attorney or a nonprofit credit counseling agency.

5 Illustrative figures

Worked examples, tables and representative examples on the Site and in the Journal are illustrations calculated with standard formulas for the purpose of explanation. They do not describe any Provider’s actual offer, past or present, and the Provider names used in illustrations (for example “Provider 1”) are placeholders, not real companies. The only figures that apply to you are those in a disclosure and agreement given to you by a Provider.

6 Third-party providers and websites

When you tap Apply in the App, you leave our service and enter the Provider’s own application, website or app. We do not control and are not responsible for the content, accuracy, practices, security or privacy policies of Providers or of any third-party website linked from the Site, including the nonprofit and government resources listed on our Responsible Lending page. Links are provided for convenience and do not imply endorsement.

We review the providers in the app periodically, as described on our About page. That review is about the Provider’s conduct in connection with our service and is not a guarantee of the Provider’s performance, solvency or compliance in any particular case.

7 Availability

The App is available on the Apple App Store for iPhone to residents of the United States aged 18 or older (or the age of majority in their state, if higher). Providers may not operate in every state; each provider tells you whether it can lend in yours when you apply. Nothing on the Site or in the App is an offer or solicitation in any jurisdiction where such an offer would be unlawful.

8 Accuracy and changes

We try to keep the Site and the App accurate and current, but we do not warrant that content is complete, accurate or up to date at any given moment. Provider ranges, participating Providers and our own terms may change without notice. Information is provided “as is” and “as available.”

9 Limitation of liability

To the fullest extent permitted by law, DAF Finance and its members, officers, employees and agents are not liable for any loss or damage arising from your use of, or reliance on, the Site, the App or their content, or from any loan agreement you enter into with a Provider. This section does not limit any liability that cannot be limited under applicable law. The Terms of Use contain the complete limitation-of-liability and dispute-resolution provisions that govern your use of our services.

10 Compensation

DAF Finance may receive compensation from Providers when you apply with them through the App. How this works, and how it does not affect the terms you are offered, is described in our Advertising Disclosure.

11 Contact

Questions about this Disclaimer can be sent to contact-us@daffinance.com or by post to DAF Finance LLC, 1520 Stout St, Denver, CO 80202.