TERMS OF USE

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THE Fast Money WEBSITE (THE “SITE”) YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

The Site is owned and used by Fast Money USA (“Fast Money USA”). 

THESE TERMS OF USE ARE SUBJECT TO CHANGE AT ANY TIME AT THE DISCRETION OF Fast Money USA.  IF YOU DO NOT AGREE WITH THESE TERMS OF USE, DO NOT ACCESS OR USE THE SITE.  Fast Money USA RESERVES THE RIGHT TO CHANGE THESE TERMS OF USE AT ANY TIME BY POSTING A REVISED VERSION OF THE TERMS OF USE ON THE SITE. YOUR USE OF THE SITE CONSTITUTES YOUR ACKNOWLEDGEMENT OF AND AGREEMENT TO THE TERMS OF USE THAT ARE POSTED ON THE SITE AT THE TIME OF SUCH USE. 

These terms of use (“Terms of Use”) are provided on behalf of Fast Money USA and its servicers who we use to provide loan services to you (“we,” “us” and “our”). By using www.fastmoneyusa.com, including any pages thereof (collectively, the “Site”), you acknowledge that you have read, understand and agree to be bound by these Terms of Use, regardless of whether or not you are a registered user of our products or services (each a “Service” and collectively referred to as the “Services”). If you do not wish to be bound by these Terms of Use, you should not access or use the Site or Services. Our Services provide a loan program and you may enter into other agreements with us that will govern your use of the Services offered on the Site. If there is any inconsistency between these Terms of Use and another agreement you enter into that is applicable to Service offered on the Site, then the other agreement will take precedence as it applies to the Service.

Eligibility

The Site is intended solely for users who are 18 years of age or older, and any registration or use of the Site by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Site, you represent you are 18 or older and that you agree to and will abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration and/or prohibit you from using or accessing our Services or the Site.

Applications

You may be presented with the opportunity to apply for a loan through the Site. When you apply for a loan, you agree to provide current, complete and accurate information about yourself. If any information you provide is untrue, inaccurate, not current or incomplete, we have the right to cancel your registration, reject any application you have submitted, terminate any agreement we have with you and restrict your future use of the Site and our Services. We reserve the right to reject any registration and/or decline any application for a loan.

Your Account

To access our Services, we will create an account on the Site. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately. You may be required to log‑in in order to use certain parts of the Site.

Your Content and Information Sharing—Privacy Policy

We respect and are committed to protecting the privacy of our users. This Privacy Policy (this “Policy”) explains what information we and our servicers and may collect about you through our loan program and Services and how we use, share and protect that information.

Consent

Each time you use our Services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you collected through our Services as set forth in this Policy. We may revise this Policy without advance notice to you but we will let you know of any changes by posting a revised Policy with a new effective date. If you do not accept the terms outlined in this Policy or a revised Policy, please do not use our Services.

What Information We Collect

We collect personal information about you that you provide while using our Services, including the application process and usage of our services. For example, we may collect the following personal information:

  • Your name
  • Your email address
  • Your telephone number
  • Your location
  • Credentials for and user information for your bank account

  • Information We Receive from Third Parties

    We may receive information about you from third parties such as your bank.

    Why We Collect Information

    We may use and disclose your personal information that is collected through our Services in accordance with applicable law and the privacy notice, where appropriate, which uses may include:

    Verifying your identity and authenticating you; protecting against fraud or security threats, and otherwise managing risks; communicating with you regarding services that may be of interest; evaluating and improving our loan products and other offerings; tailoring our services and otherwise enhancing the customer experience; satisfying legal or regulatory requirements or law enforcement requests; and as permitted by applicable law.

    What Information We May Share Third Parties

    We may use and disclose your personal information that is collected through our Services to run our everyday business and in accordance with applicable law. We do not share, sell, rent or trade your personal information with any third party other than as described below. We may share your information with law enforcement, government officials, or other third parties as required by law and when we believe that such disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, regulatory request or other legal process.

    How We Protect Your Information and Use Cookies

    We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online Services.

    To help provide our services, enhance your experience and collect information about mobile activity, we may place small data files on your computer or mobile device. These data files may be in the form of cookies, pixel tags, local shared objects or other similar technologies. Cookies and similar technologies enable us to personalize our application and services for you. These technologies may allow us to store and manage your preferences and settings, measure and analyze how you use our services and the effectiveness of our communications, offer services and help us improve our services and security.

    “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online Services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online Services.

    Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our website and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online Services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.

    Local shared objects, sometimes referred to as “flash cookies,” may be stored on your hard drive using a media player or other software installed on your device. Local shared objects are similar to cookies in terms of their operation but may not be managed in your browser in the same way. For more information on managing local shared objects, click here: https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.

    Most browsers provide you with the ability to block, delete or disable these technologies. If you choose to reject cookies or similar technologies, some Services may not be available or some functionality may be limited or unavailable. Please review your mobile device help pages for assistance with changing your settings.

    We will not share or sell any of your information with any third party, except as specifically described in our Privacy Policy, which is incorporated by reference into these Terms of Use.

    Restrictions on Use

    You agree to abide by all applicable laws and regulations in your use of the Site and our Services. In addition, you agree that you will not do any of the following:

    Register for more than one account, or register for an account on behalf of an individual other than yourself or on behalf of any group or entity; post or otherwise make available content, or take any action on the Site, that may constitute libel or slander or that infringes or violates someone else’s rights or is protected by any copyright or trademark, or otherwise violates the law; post or otherwise make available content that in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful or otherwise objectionable; that restricts or inhibits any other person from using or enjoying the Site; or that may expose us or our users to any harm or liability of any type; post or otherwise make available any unsolicited or unauthorized advertising, solicitations or promotional materials, or any other form of solicitation; use the information or content on our Site to send unwanted messages to any other user; impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity; post or otherwise make publicly available on the Site any personal or financial information of any third party; solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes; use the Site or our Services in any manner that could damage, disable, overburden or impair the Site; harvest or collect email addresses or other contact information of our users from the Site by electronic or other means, including via the use automated scripts; or post or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

    Changes and Modifications

    We reserve the right to temporarily or permanently modify or discontinue the Site, or any portion of the Site, for any reason, without notice to you. We may also change these Terms of Use from time to time without notice to you. Please review these Terms of Use from time to time because your continued access or use of the Site after any modifications have become effective shall be deemed your conclusive acceptance of the modified Terms of Use.

    Links

    We are not responsible for the information practices employed by sites linked to or from our website. In most cases, links to third-party websites are provided solely as pointers to information on topics that may be useful to our users. Since third-party websites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.

    No Warranty; Errors; Disclaimers

    The Site and our products and Services are provided “as is” and without any representation or warranty, whether express, implied or statutory. Calculators and tools on the Site provide you with estimates that may be different than actual amounts.

    You agree that we may promptly correct any error that we discover, including any error in calculating your loan rates. If the error results in your receipt of an incorrect interest rate, APR or origination fee, we will notify you and provide you with the correct rate. You agree to provide any additional consents necessary to correct any errors that occur.

    ALTHOUGH WE WILL USE REASONABLE EFFORTS TO PROVIDE AN ACCURATE SITE/SERVICES, ALL ASPECTS THEREOF ARE PROVIDED “AS IS,” “WITH ALL FAULTS” AND “AS AVAILABLE.” WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES AND THIRD‑PARTY SUPPLIERS (COLLECTIVELY, THE “FAST MONEY USA PARTIES”) DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, RELATING TO THE SITE, THE SERVICES, ANY DOCUMENTATION PROVIDED OR MADE AVAILABLE TO YOU AND ANY OTHER PRODUCTS AND RELATED MATERIALS AND/OR SERVICES PROVIDED TO YOU BY ANY OF THE FAST MONEY USA PARTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES: (I) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION AND WORKMANLIKE EFFORT; (II) AS TO THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE SITE OR THE SERVICES OR ANY ASPECT THEREOF; (III) ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; (IV) RELATING TO THE SITE OR SERVICES CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY ANY FAST MONEY USA PARTY; AND (V) THAT ACCESS TO OR USE OF THE SITE AND/OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY RELIANCE UPON THE SITE AND/OR SERVICES IS AT YOUR OWN RISK AND THE FAST MONEY USA PARTIES MAKE NO WARRANTIES.

    THESE DISCLAIMERS ARE INDEPENDENT OF ANY OTHER TERM IN THESE TERMS OF USE.

    Limitation of Liability

    You agree that all access and use of the Site and its contents and your use of the Services are at your own risk. Neither we nor any third party involved in creating, producing or delivering the Site and/or the Services has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the Site and/or the Services, or any aspect thereof.

    WE WILL NOT BE HELD LIABLE FOR ANY DEFECTS, FAULTS, INTERRUPTIONS OR DELAYS IN THE OPERATION OR TRANSMISSION OF ANY PRODUCT, AND/OR ANY INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED IN THE SITE AND/OR THE SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF THE FAST MONEY USA PARTIES BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, ARISING OUT OF, BASED ON, RESULTING FROM OR IN CONNECTION WITH THE SITE AND/OR THE SERVICES OR ANY PRODUCTS, THESE TERMS OF USE OR YOUR USE OR INABILITY TO USE ANY OF THE FOREGOING, EVEN IF THE FAST MONEY USA PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

    ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT OR OTHERWISE, AND EVEN IF WE OR OUR REPRESENTATIVES HAVE BEEN NEGLIGENT OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NO ACTION ARISING OUT OF OR PERTAINING TO THESE TERMS OF SERVICE MAY BE BROUGHT MORE THAN ONE (1) YEAR AFTER THE CAUSE OF ACTION HAS ARISEN.

    Indemnity

    You agree to indemnify, defend and hold harmless the Fast Money USA Parties from and against any and all third‑party actions, suits, claims and/or demands and any associated losses, expenses, damages, costs and other liabilities (including reasonable attorneys’ fees), arising out of or relating to your (and your users’) submitted content, use or misuse of any aspect of the Services or the Site, or your violation of these Terms of Use. You will cooperate as fully as reasonably required in the defense of any such claim or demand. We and any third party involved in creating, producing or delivering the Site and/or the Services reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our prior written consent and that of any such third party.

    Intellectual Property

    You agree that www.fastmoneyusa.com and all logos related to our products and Services are our or our licensors’ trademarks or registered trademarks. You may not copy, imitate or use them without our prior written consent. In addition, all page headers, custom graphics, button icons and scripts are our service marks, trademarks and/or trade dress. You may not copy, imitate or use them without our prior written consent. All right, title and interest in and to the Site, any content thereon, our products and Services, the technology related to our products and Services, any and all technology and any content created or derived from any of the foregoing are our or our licensors’ exclusive property.

    Miscellaneous

    These Terms of Use shall be governed in all respects by the laws of the State of Illinois, without regard to its provisions relating to conflict of laws. If you obtain a loan the terms of the loan will be governed by federal laws and the laws of the State of Illinois to the extent not preempted, without regard to any principle of conflicts of laws. Our failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Use remain in full force and effect.

    Your obligations under these Terms of Use are binding on your successors, legal representatives and assigns. You may not assign or transfer (by operation of law or otherwise) your right to use the Site and/or the Services or any aspect thereunder, in whole or in part, without our prior written consent.

    Questions

    Please contact us via email at contact@fastmoneyusa.com with any questions regarding these Terms of Use.