This Marketing Practices Disclosure ("Disclosure") describes the marketing, advertising, and communication practices used in connection with the DCredit – Cash Advance & Loans application (the "App"), which is operated by DISF Credit LLC ("we," "us," or "our"). This Disclosure is provided to ensure transparency regarding how we promote our services, communicate with users, and present information related to potential loan offers.
DCredit – Cash Advance & Loans is not a lender. The App functions as a loan connection platform that introduces consumers to independent, third-party lenders. All loan offers are made exclusively by such third-party lenders, and all loan terms are determined solely by them.
1. General Marketing Philosophy
Our marketing practices are designed to be transparent, accurate, and compliant with applicable federal and state laws. We strive to present information in a manner that allows consumers to make informed decisions without deception, coercion, or undue influence.
We do not represent that loan approval is guaranteed, nor do we advertise specific loan terms unless such terms are clearly identified as examples or estimates.
2. Advertising Content and Claims
Marketing materials related to DCredit – Cash Advance & Loans may include references to:
- Potential loan amounts
- General APR ranges
- Typical repayment term ranges
- Speed of the application or matching process
All such statements are general informational descriptions and do not constitute an offer of credit. Actual loan terms depend on lender underwriting criteria, the applicant's credit profile, income, residency, and other factors.
We do not knowingly publish false, misleading, or unsubstantiated claims regarding loan approval, costs, or eligibility.
3. No Guaranteed Approval or Funding
All marketing communications expressly or implicitly acknowledge that:
- Submitting a request through the App does not guarantee approval
- Loan offers are subject to lender review and acceptance
- Funding timelines vary by lender and are not controlled by DISF Credit LLC
Any references to "approval," "eligibility," or similar terms are intended to describe the application or matching process, not a final lending decision.
4. Digital Marketing Channels
We may promote DCredit – Cash Advance & Loans through various channels, including but not limited to:
- Websites and landing pages
- Mobile application store listings
- Email communications
- SMS or push notifications (where consent has been provided)
- Third-party advertising platforms
All digital marketing communications are subject to user preferences, applicable consent requirements, and opt-out mechanisms where required by law.
5. Email, SMS, and Push Notifications
Marketing communications may include informational or promotional messages regarding App features, service updates, or reminders. Such communications are sent only in accordance with applicable laws and user consents.
Users may opt out of marketing communications at any time by following the instructions provided in the message or by contacting us directly.
Transactional or service-related communications may still be sent where permitted by law.
6. Use of Third-Party Marketing Partners
We may engage third-party marketing partners to assist in promoting the App. These partners may display advertisements or refer users to DCredit – Cash Advance & Loans.
We do not permit marketing partners to:
- Make guarantees of loan approval
- Misrepresent loan costs or terms
- Impersonate lenders or government entities
- Use deceptive or coercive tactics
7. Testimonials and Examples
Any testimonials, examples, or hypothetical scenarios used in marketing materials are for illustrative purposes only and do not guarantee similar results. Individual outcomes may vary.
8. Compliance With Law
Our marketing practices are intended to comply with applicable consumer protection, advertising, privacy, and electronic communication laws, including but not limited to laws governing unfair or deceptive acts or practices.
9. Questions or Concerns
If you have questions or concerns regarding our marketing practices, you may contact us at:
DISF Credit LLC
411 Union St
Marshalltown, IA 50158
Email: support@disfcredit.com
Phone: (970) 423-9218