(the “Website”) is operated by Word Publications LLC (the “Website Operator,” “We” or “Us”), which is a limited liability company established in North Carolina. By using the Website you accept to the below terms of use:

Service Information

Neither nor the Website Operator are lenders or the issuers of any loan product or other product featured on the Website. Any services or products that are presented to you and accepted by you are issued by third party vendors and service providers. The management and customer care of any service or product provided to you are the responsibility of the third party vendors and service providers who issued the service or product. If you receive an order confirmation form or receipt from a loan request, this does not signify that your loan request was accepted or that you will necessarily be given a loan. We are not responsible for unsuccessful loan requests as a result of the requester not qualifying for a loan per the loan service agents’ requirements. If you have any questions regarding your loan request status you must communicate with your lender directly because we cannot access this information due to lending privacy laws and regulations.

We may receive compensation for successful or unsuccessful product or service requests from third parties. Any such compensation arrangements that are in place are not related to your use of the Website. We also may choose to modify any of the Terms of Use and your use of the Website will subsequently comply with the amended Terms of Use.

You must be a citizen or legal resident of the United States and be over the age of 18 to use the Website or to submit a request for a product or service listed on the Website. For information regarding our privacy policies please visit the Privacy Policy page, which states our policies regarding the storage and use of your personal information.

Late Payments

The most important thing that you must understand as a borrower is the repercussions of making late payments on your loan. Although each lender that we work with has its own terms and conditions for the loan and the repayment of the loan, there are some general repercussions that it is important for you to understand. There will likely be charges for making a late payment. Similarly, if you are extending a loan, the finance charge for the original loan must be paid on the original due date. Then your loan principal will be deferred with an additional finance charge. We recommend paying as much as possible towards your original due date in order to further reduce the charges you incur. If you plan to deviate from your payment plan, you should contact your lender immediately to setup a new payment arrangement. If your loan payment is rejected for any reason by your bank, the lender may initiate collection procedures and you will be prevented from receiving future loans from the lender until all of your payment obligations are met in full. The most important thing to remember is to read about the payment options and penalties for the specific lender that you are connected with and to make sure that you fully understand these policies. Lastly, remember that personal loans should be used only for short-term financial needs. They are not a long-term financial solution. In general you should always make sure to pay all of your outstanding loans/bills/debts on time.

Missing a Payment strongly recommends that you pay all of your outstanding debt/loans/bills when they are due. This will ensure that you will have a good payment record and minimize negative repercussions. Each lender that works with has their own terms and conditions governing the specific implications of missing a payment. However, if the lender does not receive a payment the likely result is that the lender will begin collection procedures against you and you will no longer be able to receive any more loans from the lender. Therefore, it is important for you to both understand the specific requirements for repayment and the repercussions of missing a payment. And, again we strongly urge you to pay all outstanding debts/loans/bills on time.

Legal Compliance

You agree to not engage in any unlawful activities pertaining to the use of the Website. If we become aware of any violation of the Terms of Use or Privacy Policy notices listed on our Website we may report any unlawful activities to law enforcement authorities and you may be liable for civil or criminal penalties. We may conduct an investigation related to suspected unlawful activities and we reserve the right to restrict your use of the site during such an investigation.

All intellectual property rights including trademarks, text, graphics, designs and wordmarks are owned by us and other third parties who have authorized use of such assets (“Intellectual Property”). You may view and retain copies of pages, images or other materials on the Website only for the purpose of obtaining a product or service you have requested. You will not replicate, distribute or disseminate any Intellectual Property belonging to us without the written consent of the Website Operator. We may terminate your use of the Website or suspend services to you based on perceived or actual violations of this Terms of Use, Privacy Policy or another customers’ rights.

Limited Liability and Warranties

We use our best efforts to make sure that the information and policies listed on the Website are accurate; however, we cannot ensure 100 percent accuracy. We make no representations of the quality or accuracy of any information provided on the Website in the form of text, images or other content. All content is provided “as is” and without any warranty. Neither the Website, Website Operator nor any other third parties involved in creating the content on the Website shall be liable for any damages arising out of your use of the Website. We also use security technology to protect your personal information as outlined in the Privacy Policy; however, we cannot guarantee that your personal information will not be taken by a third party via malicious or unlawful activities. We are not in any way responsible for such third party access gained from an unlawful activity.

The Website may also contain links to third party websites, including co-branded sites, affiliates and product or service providers. We are not responsible for the policies or content contained on third party sites and our links to third party sites should not be construed as a recommendation of any product, service or content offered by such sites. Your use of the Website indemnifies and holds harmless the Website, Website Operator and any affiliates, officers, employees or partners from any loss or liability resulting from your use of the Website.

Our contact information:

Word Publications LLC
555 Fayetteville St, Suite 201F
Raleigh, NC 27601
(919) 276-5900