Overview
These Terms of Use ("Terms") govern your access to and use of the DCredit – Cash Advance & Loans mobile application, website, and any related features, tools, or services (collectively, the "App"), which is operated by DISF Credit LLC ("we," "us," or "our"). By accessing, downloading, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the App.
The App is a technology platform designed to allow users to explore potential cash advance or loan options offered by third-party financial partners. DISF Credit LLC does not provide loans or cash advances directly. All credit decisions, underwriting criteria, loan terms, interest rates, fees, and contractual obligations are determined solely by third-party lenders or financial partners. We do not guarantee that you will receive an offer or be approved for any financial product.
Eligibility
To access or use the App, you must:
- Be at least eighteen (18) years of age, or the age of majority in your state of residence
- Be a lawful resident of the United States
- Have the legal capacity to enter into binding agreements
- Provide accurate, complete, and up-to-date information
- Use the App solely for personal, non-commercial, and lawful purposes
You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted through your account. You agree to notify us immediately if you suspect unauthorized access, use, or security breaches related to your account.
Loan Terms, APR & Repayment
3.1 APR Range
Annual Percentage Rates ("APR") represent the annualized cost of borrowing and may include interest and applicable fees, as determined by the lender. Offers presented through the App may vary up to 35% APR, depending on factors including but not limited to:
- Your credit profile and credit history
- The loan or cash-advance amount requested
- The selected repayment term
- Individual lender underwriting standards
- Applicable federal, state, and local laws and regulations
All APRs, fees, repayment schedules, and total repayment amounts are disclosed in full before you accept any offer.
3.2 Repayment Terms
Repayment terms vary depending on the lender and financial product selected. Typical repayment periods range from three (3) to twenty-four (24) months. Prior to acceptance, you will receive a clear repayment schedule that includes:
- The total number of required payments
- The amount of each payment
- Payment due dates and frequency
You are responsible for reviewing and understanding all repayment obligations before entering into any agreement with a third-party lender.
3.3 Payment Methods
Loan or cash-advance repayments are generally processed via electronic fund transfers, including Automated Clearing House ("ACH") debits from your designated bank account. Some lenders may offer alternative payment methods. You are responsible for ensuring sufficient funds are available to avoid late fees, failed payments, or returned-payment charges.
3.4 Fees & Charges
Any applicable fees, including but not limited to origination fees, late fees, returned-payment fees, or expedited-processing fees, will be fully disclosed by the lender prior to acceptance of an offer. There are no hidden fees imposed by DISF Credit LLC.
3.5 Early Payoff
Some lenders may allow early repayment without penalties, which could reduce total interest costs. Early payoff terms vary by lender and are governed by the specific loan agreement. You are responsible for reviewing lender disclosures regarding early repayment.
Account Responsibilities
You agree to provide truthful, accurate, and complete information and to maintain the accuracy of such information throughout your use of the App. You may not:
- Submit false, misleading, or incomplete information
- Share your account credentials with others
- Access or attempt to access another person's account
- Engage in deceptive, abusive, or fraudulent conduct
We reserve the right to suspend, restrict, or terminate accounts that violate these Terms or pose a risk to the App, our partners, or other users.
Electronic Communications
By using the App, you consent to receive electronic communications, including but not limited to:
- Email communications
- SMS or text messages
- In-app notifications and alerts
- Electronic agreements, disclosures, and authorizations
Electronic communications have the same legal effect as written documents. Certain communications are legally required and cannot be opted out of.
Data Accuracy & Authorization
By submitting information through the App, you authorize DISF Credit LLC to:
- Collect, store, and process your personal and financial information
- Share relevant information with participating lenders, service providers, and verification partners
- Use third-party services to verify identity, income, employment, and bank account information
Submitting inaccurate, misleading, or incomplete information may result in declined requests, account suspension, termination, or other legal consequences.
Fees & Compensation
The App is provided at no cost to users. DISF Credit LLC may receive referral, lead-generation, or marketing compensation from third-party lenders if you are connected through the App or obtain a financial product. Such compensation does not influence lender decisions or alter the terms, rates, or obligations of any loan or cash-advance agreement.
Permitted & Prohibited Use
You agree to use the App in compliance with applicable laws and these Terms. Prohibited activities include, but are not limited to:
- Violating any federal, state, or local law or regulation
- Attempting unauthorized access to systems, networks, accounts, or data
- Using automated scripts, bots, or scraping tools
- Uploading malicious code, viruses, or harmful software
- Copying, modifying, reverse-engineering, or distributing the App or its content
- Sending spam, unsolicited messages, or fraudulent communications
Violations may result in immediate termination and potential legal action.
Service Changes
We reserve the right to modify, suspend, or discontinue any part of the App at any time without notice. Maintenance, updates, or system changes may result in temporary service interruptions. DISF Credit LLC is not liable for service disruptions or feature modifications.
Intellectual Property
All content and materials available through the App, including text, graphics, logos, software, and data, are owned by DISF Credit LLC or its licensors and are protected by intellectual property laws. Users are granted a limited, revocable, non-exclusive, non-transferable license for personal, non-commercial use only. Unauthorized reproduction, distribution, or commercial exploitation is strictly prohibited.
Disclaimers
The App and all content are provided on an "as is" and "as available" basis. DISF Credit LLC makes no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted access. Use of the App is at your own risk.
Limitation of Liability
To the fullest extent permitted by law, DISF Credit LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill. Total liability, if any, shall not exceed one hundred dollars ($100) per user. Certain jurisdictions may not allow limitations on liability.
Indemnification
You agree to indemnify, defend, and hold harmless DISF Credit LLC, its officers, directors, employees, and partners from any claims, damages, losses, liabilities, or expenses arising out of:
- Your use or misuse of the App
- Violations of these Terms
- Breach of applicable laws or third-party rights
Governing Law & Disputes
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute shall be resolved through binding individual arbitration pursuant to the Federal Arbitration Act. Class actions are waived. If arbitration is unavailable, disputes shall be resolved exclusively in Delaware state or federal courts.
Termination
We may suspend or terminate your access to the App for violations of these Terms, suspected fraud, or harmful conduct. You may stop using the App at any time by uninstalling it and closing your account, if applicable. Provisions related to liability, indemnification, and dispute resolution survive termination.
Changes to Terms
We may update these Terms periodically. The Effective Date will be revised accordingly, and material changes may be communicated through the App or via email. Continued use of the App after updates constitutes acceptance of the revised Terms.
Contact Information
For questions or concerns regarding these Terms, please contact:
DISF Credit LLC
411 Union St
Marshalltown, IA 50158
Email: support@disfcredit.com
Phone: (970) 423-9218