Terms and Conditions

NCRU Financial Services, LLC, owns and operates this website. NCRU Financial Services provides and maintains this website for your information, conditioned on your acceptance, without modification, of these Terms of Use ("Terms"). By accessing and using this website, you accept and agree to the following terms and conditions without limitation. Please see the section on SMS Disclosures and Terms below for terms and conditions that specifically apply to SMS and text messaging.

NOTICE: Short term lending products provide the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a non-profit financial counseling service in your community.

RESTRICTIONS

You must be 18 years or older and be a legal resident of the US to submit a loan request at NCRU Financial Services website, and by doing so you represent that you are at least 18 years of age and a legal resident of the US. You agree not to use this website or any content contained in it for any illegal or inappropriate activities.

COMPLIANCE WITH LAWS

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this website and your purchase or use of any products or services through NCRU Financial Services. NCRU Financial Services may (but is not required to) investigate any actual or perceived violations of law and may, in its sole discretion, report actual or perceived violations of law to law enforcement or appropriate authorities. You agree to cooperate fully with any investigation. Violations of these Terms or the Privacy Policy could result in criminal or civil penalties.

INTELLECTUAL PROPERTY

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by NCRU Financial Services, its licensees, or other third parties who have authorized use of such properties on this website. NCRU Financial Services grants you permission to view and make copies of pages related to any loan you have with NCRU Financial Services. NCRU Financial Services reserves all other rights in and to this website and its contents. Except for the limited purpose stated above, you may not distribute, display, transmit or disseminate any documents, pages, images, materials or content from this Website without the prior written consent of NCRU Financial Services. Except as expressly provided on this website, nothing contained on this website shall be construed as conferring to you or any other third party any right or license under any trademark, copyright or other intellectual property right.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

NCRU Financial Services uses commercially reasonable efforts to ensure that the information on this website is accurate, but cannot guarantee such accuracy. NCRU Financial Services makes no representations regarding the use or results of any content on this website as to its accuracy, reliability or any other matter. NEITHER NCRU Financial Services NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS WEBSITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS WEBSITE. EVERYTHING ON THIS WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law.

PRIVACY

NCRU Financial Services' Privacy Policy, incorporated herein by this reference, is applicable to any data supplied through this website. The Privacy Policy sets out your rights and NCRU Financial Services' responsibilities regarding your personal information. NCRU Financial Services will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. You agree that NCRU Financial Services, in its sole discretion, may modify its Privacy Policy and that your use of this website after such changes are posted is your acceptance of such changes. If you do not want to be bound by changes to the Privacy Policy, you must terminate use of this website.

SECURITY

NCRU Financial Services utilizes secure technology to protect your personal information but absolute protection cannot be guaranteed nor can NCRU Financial Services guarantee that information will not be intercepted or decrypted by others. NCRU Financial Services accepts no responsibility for such interception or decryption, and by using this website you release NCRU Financial Services from any and all loss, damages and liability which could arise therefrom.

PASSWORDS

You are responsible for safeguarding the password you use to access this website and for any activities or actions taken under your password. NCRU Financial Services will not be liable for any loss or damage arising from your failure to comply with this paragraph.

LAW AND VENUE

By using this website, you consent to the laws and jurisdiction of the State of Utah. You agree that any legal action brought against NCRU Financial Services shall be governed by the laws of the State of Utah without regard to conflict of law principles and that the sole jurisdiction and venue for any litigation arising from your use of this website shall be the in the courts of the State of Utah. You also agree and specifically waive any and all rights to a trial by jury. Further, you agree and waive any and all right to participate in any class action claim, dispute or controversy, and you agree that you shall not serve as a representative or private attorney general or in any other representative capacity for others, and that any claim you have will be resolved on an individual basis only. These Terms are governed by and construed in accordance with the laws of the State of Utah without regard to conflict of law provisions.

MODIFICATION

NCRU Financial Services reserves the right to modify these Terms from time to time without notice. Your use of this website after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.

INDEMNIFICATION

By using this website, you agree to indemnify and hold NCRU Financial Services, its subsidiaries, affiliates, officers, agents and other partners, representatives and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use or attempted use of this website.

VIOLATION OF THE TERMS OF USE

By using this website, you understand and agree that NCRU Financial Services may, at its sole discretion and without prior notice, terminate your access to this website, to any services offered on this website, and may delete any data you have posted or uploaded to this website.

All rights not expressly granted are reserved to NCRU Financial Services. The headings used in these Terms are intended for convenience only and shall not affect the construction and interpretation of these Terms. NCRU Financial Services' failure to insist upon or enforce strict performance of any provision of these Terms shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms is held invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms, which shall remain in full force and effect. These Terms and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

CONTACT INFORMATION:

NCRU Financial Services
40 East Main Street, Suite 147
Newark, DE
19711
USA
clientservices@NCRUFinancialServices.com

UNITED STATES MILITARY AND DEPENDENTS

If you are a resident of the United States we ask that you provide the following information to us in connection with your loan:

I AM NOT a member of the military or the spouse/dependent of a military member. Specifically, I AM NOT, or I AM NOT the spouse or dependent of, a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, or serving on Active Guard and Reserve Duty. (Dependents include the members spouse, child under the age of eighteen years old or any individual for whom the member provided more than one-half of their financial support for 180 days preceding today's date.)

-OR-

I AM a member of the military or the spouse/dependent of a military member. Specifically, I AM, or I AM the spouse or dependent of, a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, or serving on Active Guard and Reserve Duty. (Dependents include the members spouse, child under the age of eighteen years old or any individual for whom the member provided more than one- half of their financial support for 180 days preceding today's date.)

WE DO NOT OFFER LOANS IN EVERY STATE

NCRU Financial Services does not lend in every state. Our states of operation may change without notice. Please check back periodically to see if we are doing business in your state. Currently, NCRU Financial Services only offers loans to customers in the State of Utah.

DISCLOSURES

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may consider additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.

Loan applications fully verified and approved by 5pm Eastern Time are typically funded the next business day excluding bank holidays. Some loans may be eligible for same day funding.

Refinancing of your loan may be possible but is not automatic. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges, and are subject to limitations imposed by law.

Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. NCRU Financial Services will never charge you any "hidden fees" not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you do not make a payment on time we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or another company that acquires and/or collects delinquent consumer debt.

SMS DISCLOSURES AND TERMS

This Short Message Service ("SMS") Disclosure ("SMS Disclosure") is in addition to (and in in lieu of) the above Terms, and applies to each account you have with NCRU Financial Services for which you have elected to receive SMS messages. "SMS Notifications" means any SMS (short message or text message) communication from NCRU Financial Services to you pertaining to your Account, including, but not limited to, account or payment information, promotions, due date reminders, delinquent accounts, coupons and other marketing materials.

HOW TO UNSUBSCRIBE

You may withdraw your consent to receive SMS Notifications by texting STOP to the message you receive. You may also withdraw your consent by calling NCRU Financial Services at 1-844-700-NCRU. At NCRU Financial Services' sole discretion, NCRU Financial Services may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Notifications. NCRU Financial Services will not impose any fee to process the withdrawal of your consent to receive SMS Notifications. Any withdrawal of your consent to use SMS Notifications will be effective only after NCRU Financial Services has a reasonable period of time to process your withdrawal.

FOR HELP ON SERVICES

To request additional information, text HELP to the message you receive or contact NCRU Financial Services by telephone at 1-844-700-NCRU.

HOW TO UPDATE YOUR RECORDS

It is your responsibility to provide NCRU Financial Services with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling NCRU Financial Services at 1-844-700-NCRU or through email to clientservices@NCRUFinancialServices.com.

HARDWARE AND SOFTWARE REQUIREMENTS

To receive SMS Notifications that NCRU Financial Services makes available to you, you must have a SMS capable mobile phone; an active mobile phone account with a communication service provider that offers SMS services; and sufficient storage capacity on your mobile phone.

COMMUNICATIONS IN WRITING

All SMS Notifications in electronic format shall be considered given "in writing" to the extent allowed by law.

CHARGES

There is no service fee charged by NCRU Financial Services for SMS Notifications, but you are responsible for any and all charges, including without limitation fees associated with text messaging imposed by your communications service provider. Consult your mobile service carrier's pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill.

OTHER IMPORTANT TERMS

You agree that NCRU Financial Services may send any SMS notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold NCRU Financial Services, its subsidiaries, affiliates, officers, agents and other partners and employees harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. SMS Notifications are provided for your convenience only.

NCRU Financial Services will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by your communication service provider.

NCRU Financial Services may modify or terminate its SMS or text messaging services from time to time, for any reason and without notice, including the right to terminate SMS or text messaging with or without notice, without liability to you, any other user or any third party. NCRU Financial Services reserves the right to modify this SMS Disclosure from time to time without notice. It is your obligation to review this SMS Disclosure from time to time so that you are aware of any changes.

You agree and consent to be contacted by NCRU Financial Services, its subsidiaries, affiliates, officers, agents and other partners and employees (including without limitation subsequent creditors, loan servicing companies and third-party collectors) through the use of email, and/or telephone calls and/or SMS and/or text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction any loan from NCRU Financial Services, including the use of automatic telephone dialing systems, auto-dialers, or an artificial or pre-recorded voice.