Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

Terms of Use

Welcome to, Inc. (the "Company") Website (the "")! Your usage and access to the are governed by the Terms of Website Use outlined in this Agreement. We want to ensure that you apply for a loan only if you are confident in your ability to fully repay it on the due date while managing your other expenses responsibly. By accepting these terms, you affirm that the financial information provided is accurate and that you have considered your potential future income and expenses in assessing your repayment capacity. We operate as a broker and not a lender. Our unique algorithm connects our customers' loan requirements with a panel of lenders based on various application details, customer preferences, and lender products. Please note that our commission from the lender is not included in this algorithm. Rest assured, we do not charge our customers any fees for this service. It is important to know that no representative from or any financial partner, including lenders, will ever contact you and request advance payment or purchase of products prior to receiving your loan funds.

  • Please carefully read and review this agreement before accessing the site. By using the site, you acknowledge that you have read and agreed, without any limitations or qualifications, to be legally bound by this agreement and the terms outlined in the Ping Yo Inc. Privacy Policy. It is important to note that these Terms of Website Use include a mandatory arbitration provision, which requires individual arbitration for any disputes or claims you may have with us and waives your right to participate in class actions or multi-party arbitration. If you do not wish to be bound by these Terms of Website Use, you may not access or use the site. The Company reserves the right to make changes or additions to this agreement from time to time, and your continued use of the after such changes or additions will indicate your acceptance of the modified terms. We recommend visiting this page periodically to stay updated on the current terms.

Terms of Website Use

Authorized Usage

The Company grants you authorization to use this and its content solely for your personal non-commercial use. Any other use is strictly prohibited. You agree not to engage in the reproduction, duplication, copying, selling, reselling, or exploitation of any material on the for commercial purposes. By accessing and using this Site, you confirm that you have read and understood the terms of the Ping Yo Inc. Privacy Policy and agree to abide by those terms.

Proprietary Rights

All content appearing on the is protected by copyright laws of the United States and other countries. It may not be used except as specifically provided in these Terms of Website Use. The Company does not warrant or represent that your use of the materials on the will not infringe upon the rights of third parties.

Information Accuracy

While the Company strives to provide accurate and up-to-date information on the Site, it makes no warranties or representations regarding the accuracy of the content. The Company disclaims all liability for any inaccuracies, incompleteness, or incorrectness of the information displayed on the Site.

Site Security

The Company takes reasonable measures to ensure the security of the Site. However, it cannot guarantee that unauthorized alterations to the content or functionality of the will not occur. The Company disclaims any liability or responsibility for any unauthorized alterations that may occur.

Disclaimer of Warranties

The Company, along with any other party involved in the creation, production, or delivery of the Site, makes no representations regarding the suitability of the Site's content for any particular purpose. Furthermore, the Company does not guarantee that your use of the will be uninterrupted or free from errors.

  • The content on this is provided on an "as is" basis, without any warranties, whether expressed or implied. This encompasses a wide range of warranties, including but not limited to warranties of merchantability, fitness for a specific purpose, and non-infringement.

It is important to note that certain jurisdictions may not allow the exclusion of implied warranties, so the above exclusions may not apply to you. Please check your local laws to determine if there are any restrictions or limitations regarding the exclusion of implied warranties.

Limitation of Liabilities

The Company and any other party involved in the creation, production, or delivery of the shall not be held responsible or liable for any damages to your computer equipment or other property, including viruses, that may occur as a result of accessing, using, or browsing the Site, or downloading any materials from the Site. Your use and browsing of the are at your own risk.

  • Furthermore, no party shall be liable for any incidental, consequential, special, indirect, or punitive damages arising from your access to or use of the Site. In no event shall the total liability of the Company or any other party to you for any damages, losses, or causes of action, whether in contract, warranty, tort (including negligence), strict liability, or otherwise, exceed the amount paid by you, if any, for accessing the Site.

Content Submitted or Made Available for Inclusion at the Site

Any communication or material that you transmit to the Site, whether through electronic mail or any other means, including data, questions, comments, suggestions, or similar content, will be considered non-confidential and non-proprietary. The Company and its affiliates may use and treat any unsolicited communication or material that you transmit or post for any purpose, such as reproduction, disclosure, transmission, publication, broadcasting, distribution, or posting. Additionally, the Company is free to utilize any ideas, concepts, know-how, or techniques contained in such unsolicited communication or material for various purposes, including the development, manufacturing, and marketing of products.

Images of People or Places

Please note that the images of people or places displayed on the belong to the Company or are used with permission. Unauthorized use of these images may infringe upon copyright laws, trademark laws, privacy and publicity laws, as well as communications regulations and statutes.

Trademark Notice

The registered and unregistered trademarks, logos, and service marks (referred to as "Trademarks") appearing on the belong to the Company and other respective owners. The presence of these Trademarks on the does not grant any license or right to use them without the written permission of the Company or the relevant third party. Your use of the Trademarks displayed on the Site, as well as any other content on the Site, is strictly prohibited except as expressly permitted in these Terms of Website Use. It is important to note that the Company is committed to vigorously protecting its intellectual property rights, including pursuing legal action if necessary, such as criminal prosecution.

Links to External Sites

The Company has not reviewed any linked sites or off-site pages and does not assume responsibility for their content. By choosing to access or link to any other off-site pages or external sites, you do so at your own risk.

Visitor Conduct

While the Company reserves the right to monitor and review the content posted or transmitted on the Site, it is not obligated to do so. The Company assumes no responsibility or liability for the content in any such locations on the Site, including but not limited to postings, transmissions, or other user-generated material. The Company disclaims any liability for errors, defamation, libel, slander, omissions, falsehoods, obscenity, pornography, profanity, dangers, or inaccuracies within such locations. It is strictly prohibited to post or transmit any unlawful, threatening, defamatory, libelous, obscene, scandalous, inflammatory, pornographic, or profane material on the Site. Additionally, you are prohibited from posting material that could promote criminal conduct, result in civil liability, or violate any applicable laws. The Company reserves the right to remove any such postings and will fully cooperate with law enforcement authorities or court orders that require the disclosure of the identity of individuals who post such information or materials.

Interactions with Advertisers

Any interactions or transactions you have with advertisers found on or through the Site, including the payment and delivery of goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and the advertiser. You acknowledge and agree that the Company shall not be responsible or liable for any loss or damage incurred as a result of such dealings or the presence of such advertisers on the Site.


The Company may provide notices to users through various means, including general notices on the Site, electronic mail to the user's registered email address, or written communication sent by mail to the user's registered address.

Use in International Jurisdictions

The products, information, and technology available on this are not intended for download or export to certain countries. You may not download or export any products or information from the to Cuba, Iraq, Iran, Libya, North Korea, Sudan, Syria, or any other country subject to trade embargoes by the United States. Additionally, you may not download or export any products or information to individuals or entities listed on the United States Treasury Department's Specially Designated Nationals list or the U.S. Commerce Department's Table of Deny Orders. By accessing and using the Site, you confirm that you are not located in, under the control of, or a resident or national of any of the aforementioned countries or listed entities. You also agree to indemnify the Company for any costs, liabilities, losses, or expenses incurred as a result of any alleged violation by you of U.S. laws and regulations governing export controls.

Prohibited Actions on the Site

You are prohibited from using any automated or manual process to monitor, copy, or interfere with the without obtaining our prior written permission. This includes the use of robots, spiders, web crawlers, screen scrapers, or any other device or software. You are also prohibited from taking any action that may disrupt or interfere with the proper functioning of the or impose an unreasonable or excessive burden on our infrastructure. Furthermore, you may not copy, reproduce, modify, alter, create derivative works, or publicly display any content from the without obtaining the prior written permission of the Company or the relevant third party.

Governing Law and Jurisdiction

These Terms of Website Use shall be governed by and interpreted in accordance with the laws of the state of Delaware, without giving effect to any principles of conflicts of law. Any legal action or dispute arising out of or relating to these Terms of Website Use shall be filed exclusively in the state or federal courts located in Sussex County, Delaware. By using the Site, you consent to the personal jurisdiction of such courts and agree to submit to the exclusive jurisdiction and venue of such courts for the purposes of resolving any such legal action or dispute. If any provision of these Terms of Website Use is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. Our failure to enforce any provision of these Terms of Website Use does not waive our right to enforce such provision in the future. These Terms of Website Use constitute the entire agreement between us regarding the subject matter herein.

Mandatory Arbitration

In the event of any dispute arising from these Terms of Website Use, the Website, or our services, both parties agree to resolve the dispute through binding arbitration conducted by the American Arbitration Association ("AAA") in the county where the user resides. The arbitration process will be initiated by filing a Demand for Arbitration with the AAA. The arbitrator assigned to the case will have exclusive authority to resolve the dispute, including any claims challenging the enforceability of these Terms of Website Use.

If either party initiates arbitration, it will be conducted in accordance with the current AAA Commercial Arbitration Rules. The arbitrator will have the power to decide any issues related to the user's use of the Website and our services. Each party will be responsible for its own AAA filing, administration, and arbitrator fees, unless the arbitrator determines that a claim is frivolous or brought for an improper purpose, in which case the party making such claim will be responsible for all fees. For claims amounting to Ten Thousand Dollars ($10,000.00) or less, the user may choose whether the arbitration proceedings will be held in person, by telephone, or based solely on written submissions. The arbitrator may grant individual or equitable relief, including injunctive relief. The arbitration award will be final and binding, and it may be entered as a judgment in any court with jurisdiction. Both parties agree to keep the arbitration proceedings and their results confidential. This provision does not prevent either party from seeking injunctive relief in a court of competent jurisdiction to protect its rights while the arbitration process is ongoing.

By accepting these dispute resolution provisions, you acknowledge and agree to waive your right to a jury trial and to bring or participate in a class action lawsuit or multi-party arbitration against us, any affiliated individuals, or any service provider we use. You also agree that injunctive relief may be sought to prevent such lawsuits or to remove you as a participant. This provision does not constitute a waiver of your individual rights and remedies, and you retain the right to pursue claims on an individual basis in binding arbitration as outlined above. It is important to note that this provision regarding class action lawsuits is a separate and independent agreement.

  • Your acceptance of these provisions indicates your understanding that you are waiving your right to bring or participate in a class action lawsuit or multi-party arbitration and that you agree to resolve any disputes with us through individual arbitration as described earlier.