Terms & Conditions

Terms & Conditions

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PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING OUR WEBSITE.

Welcome to Dollar Loan Center. By using our website, you are agreeing to these Terms of Use. If you do not agree to these Terms of Use, you may not use our website. You acknowledge that these Terms of Use are supported by valuable consideration, the receipt, adequacy and sufficiency of which you acknowledge. You represent that you are at least 18 years of age.

Definitions.As used in these Terms of Use, the words you and your mean any person who accesses or uses our website. The words Dollar, we, us and our refer to the family of companies doing business as Dollar Loan Center, including, without limitation, Dollar Loan Center Nevada, LLC, Dollar Loan Center Utah, LLC, Dollar Loan Center South Dakota, LLC, and DLC Empire Prepaid Cards, LLC. The word Website refers to any website we operate, and any mobile applications and other payment platforms we offer or through which we provide services.

Limited License and Permitted Uses. We grant you a non-transferable, non-exclusive, revocable license to do the following:

  1. access and use the Website strictly in accordance with these Terms of Use;
  2. use the Website solely for internal, personal, non-commercial purposes, and;
  3. display, download, archive or print a single copy of any information and content on the Website (Information), provided that, in doing so, you (i) do not further distribute, sell, or modify the information and content in any way, (ii) maintain all copyright and other notices, and (iii) comply fully with these Terms of Use.

Except as expressly provided in these Terms of Use, you acknowledge that you have no licenses or rights, by implication, estoppel or otherwise, with respect to the Website or any Information. You agree that all right, title and interest (including all copyrights, trademarks, service marks, patents and other intellectual property rights) in and to the Website and all Information belongs to Dollar and/or our licensors, as applicable.

You agree to abide by all additional restrictions displayed on the Website as it may be updated from time to time. The Website, including all Information, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of the Website and to prevent any unauthorized copying of the Information. All trademarks and service marks on this Website are either trademarks or registered trademarks of Dollar, our affiliates, or our licensors and may not be copied, imitated or used, in whole or in part, without our prior written permission.

Restrictions.In using the Website, you promise that you will not do any of the following:

  • Disrupt or interfere with the security or operation of the Website or any Information, or any servers or networks connected to or accessible through the Website or affiliated or linked web sites;
  • Upload, post or otherwise transmit through or on the Website any viruses or other harmful, disruptive or destructive files;
  • Use or attempt to use or access another person’s personal information, or create or use a false identity on the Website;
  • Attempt to obtain unauthorized access to the Website or portions of the Website which are restricted from general access.

Relationships with Lead Generators. We may from time to time offer you the opportunity to apply for a loan with an unaffiliated lender that is licensed to offer loans in your state. With your approval, we may forward information you provide to a third-party lead generator, who will in turn forward your information to one or more unaffiliated lenders for consideration. The information you provide us is not a loan application, and the lender may require you to provide additional information to enable it to make a credit decision. We have no control over which lenders, if any, will receive your information. We have no relationship with the lender, and we are not responsible for any actions or omissions of the lender or the lead generator. You understand that Dollar, the lead generator(s) and all third party lenders are independent entities. We are not acting behalf of you, any lead generator or any third party lender, whether as an agent, broker or in any other representative capacity. If a lender decides to offer you a loan, we and the lead generator may receive compensation from the lender for forwarding your information to them. However, we make no promises that you will be able to obtain a loan. You acknowledge and agree that the lender is solely responsible to you for (i) all communications with you, including any adverse action notices or other required communications (ii) the terms and conditions of any loan, (iii) the delivery, execution or contents of any agreement or disclosure relating to your loan or application, (iv) compliance with all applicable laws and regulations relating to your loan, and (v) all other aspects of any application or loan transaction.

Third Party Web Sites, Content and Products and Services. Hypertext links or pointers to third party web sites and references to products and services offered by third parties are provided to you for convenience only and do not constitute an endorsement or approval by us. Specifically, we do not endorse (i) the organizations that operate such web sites; (ii) the information, content, privacy policies or other terms of use on such web sites; or (iii) any third party products and services. We have no control or responsibility over, and do not investigate, monitor, or check for accuracy any third party web sites or information and/or content maintained by other organizations, or for products and services offered by third parties. We assume no liability for your use of any of the foregoing. If you decide to exit the Website and access third party web sites, you acknowledge and agree that you do so at your own risk.

Privacy and Personal Information.  You acknowledge that you have read and agree to all of the terms and conditions of our Privacy Policy, which are incorporated by reference into these Terms of Use.

Wireless Policy (SMS): By opting-in to receive text-messages from us, you are providing your consent for us to use your personal information to provide you with the services you’ve requested from us, including services that display customized content and advertising.

We may send you text-messages. We will not charge you a service fee for our texting services, but your mobile service carrier’s message and data rates may apply to any short message service (SMS) messages you receive from us. You are responsible for any such charges. Please consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving SMS messages. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your mobile service carrier. Our texting services are provided on an AS IS basis.

Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your mobile service carrier’s name and the date, time and content of your messages.

You may opt-out and remove your SMS information by sending STOP, END, CANCEL, UNSUBSCRIBE or QUIT to any SMS text message you have received from us. If you remove your SMS information from our database, your number will no longer be used for secondary purposes, disclosed to third parties and used by us for third parties to send promotional correspondence to you.

SMS Opt Out: As described above, to stop receiving text message alerts from us, simply reply STOP,END, CANCEL, UNSUBSCRIBE or QUIT to any message received from us, SMS message STOP, END, CANCEL, UNSUBSCRIBE or QUIT to 57597, or call our Toll-free 24-hour Opt-in/Opt-out line (855) 752-7653.

SMS Help or Support: For help or customer support regarding our text messaging services, email us at textcustomersupport@dontbebroke.com or call toll free (866) 550-4352. You can also request help, obtain contact information or additional information regarding our texting service anytime from your mobile device by replying with the word HELP to the message you receive from us.

No Warranties. DOLLAR AND ITS LICENSORS EXPRESSLY DISCLAIM ANY WARRANTY IN, TO, OR FOR THE WEBSITE. THE WEBSITE AND ALL INFORMATION IS PROVIDED AS IS AND WHERE IS WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. YOU EXPRESSLY WAIVE ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR CONTINUOUS OPERATION. DOLLAR MAKES NO WARRANTY THAT THE SITE WILL MEET YOUR REQUIREMENTS, THAT YOUR USE OF THE WEBSITE WILL BE UNINTERRUPTED, SECURE, TIMELY OR ERROR FREE, OR THAT ANY DEFECTS IN THE WEBSITE WILL BE CORRECTED. YOU ACKNOWLEDGE THAT ANY DATA OR INFORMATION DOWNLOADED, TRANSMITTED OR OTHERWISE OBTAINED OR ACQUIRED THROUGH THE USE OF THE WEBSITE ARE AT YOUR SOLE RISK AND DISCRETION. WE WILL NOT BE LIABLE OR RESPONSIBLE FOR ANY DAMAGE TO YOU OR YOUR PROPERTY. YOU ASSUME THE ENTIRE RISK ASSOCIATED WITH YOUR USE OF THE WEBSITE.

DOLLAR AND ITS LICENSORS DISCLAIM ANY WARRANTY OR RESPONSIBILITY FOR THE ACCURACY OR COMPLETENESS OF ANY INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED WITHIN THE WEBSITE. DOLLAR AND ITS LICENSORS EXPRESSLY DISCLAIM ANY WARRANTIES RESPECTING ANY HARM THAT MAY BE CAUSED BY THE TRANSMISSION OF A COMPUTER VIRUS, WORM, TIME BOMB, LOGIC BOMB, OR OTHER SUCH COMPUTER PROGRAM. DOLLAR AND ITS LICENSORS FURTHER EXPRESSLY DISCLAIM ANY WARRANTY OR REPRESENTATION TO ANY THIRD PARTY WHO MAY OPERATE OR OTHERWISE UTILIZE THE SITE.

YOU SPECIFICALLY ACKNOWLEDGE THAT USING THE SITE TO CONDUCT FINANCIAL TRANSACTIONS INVOLVES ADDITIONAL RISKS. FOR EXAMPLE, SENSITIVE PERSONAL OR FINANCIAL DATA THAT IS TRANSMITTED FROM OR TO THE SITE MAY BE INTERCEPTED AND USED BY THIRD PARTIES WITHOUT YOUR KNOWLEDGE. BY USING THE SITE, YOU ASSUME ALL SUCH RISKS AND AGREE THAT DOLLAR WILL HAVE NO LIABILITY WHATSOEVER TO YOU FOR ANY LOSS OR THEFT (INCLUDING IDENTITY THEFT) OCCURRING AS A RESULT OF SUCH ADDITIONAL RISKS.

Limitation of Liability.  IN NO EVENT WILL DOLLAR OR ITS LICENSORS BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, LOST PROFITS, BUSINESS INTERRUPTION, OR LOST INFORMATION) RISING OUT OF YOUR USE OF, OR INABILITY TO USE, THE WEBSITE, OR THE USE OR INABILITY TO USE THE WEBSITE BY ANY THIRD PARTY, EVEN IF DOLLAR AND ITS LICENSORS HAS/HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WITHOUT REGARD TO WHETHER SUCH DAMAGES, OR CLAIMS OF DAMAGES ARISE BASED IN CONTRACT, TORT OR OTHERWISE. DOLLAR AND ITS LICENSORS WILL HAVE NO LIABILITY WITH RESPECT TO THE ALL OR ANY PART OF THE CONTENT OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO, ERRORS OR OMISSIONS, LIBEL, INFRINGEMENTS OF RIGHTS OF PUBLICITY, PRIVACY, TRADEMARK RIGHTS, BUSINESS INTERRUPTION, PERSONAL INJURY, LOSS OF PRIVACY, MORAL RIGHTS OR THE DISCLOSURE OF CONFIDENTIAL INFORMATION. DOLLARS TOTAL LIABILITY FOR ANY AND ALL DAMAGES, REGARDLESS OF THE FORM OF THE ACTION, WILL BE LIMITED AND CAPPED IN THEIR ENTIRETY TO THE GREATER OF ONE DOLLAR (US $1.00) OR THE TOTAL AMOUNT PAID, IF ANY, BY YOU FOR THE PRODUCT OR SERVICE GIVING RISE TO THE ACTION. THIS LIMITATION OF LIABILITY MAY NOT BE ENFORCEABLE IN CERTAIN JURISDICTIONS, OR UNDER CERTAIN CIRCUMSTANCES, AS A MATTER OF LOCAL LAW, AND IS NOT INTENDED TO REPLACE OR SUPERCEDE LOCAL LAW.

Indemnity. You agree to indemnify, defend and hold harmless Dollar, its officers, directors, employees, agents and affiliates from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, arising out of or relating to any violation of these Terms of Use or any activity related to use of the Website (including but not limited to infringement of third parties’ worldwide intellectual property rights or negligent or wrongful conduct) by you or any other person accessing the Website on your behalf.

Changes. We reserve the right, in our sole discretion, to change, modify, add or remove any portion of these Terms of Use at any time without notice. Changes in these Terms of Use will be effective when notice of such changes is posted on the Website. You agree to these changes if you use our Website after they are posted. We may terminate, change, suspend or discontinue any aspect of the Website, including the availability of any features of the Website, at any time. We may remove, modify or otherwise change any Information or content, including that of third parties, on or from the Website. We may also impose limits on certain features and services or restrict your access to part or all of the Website without notice or liability. We may terminate the authorization, rights and license given above and, upon such termination, you agree that you will immediately destroy all Information. We may terminate your use of the Website at any time in our sole discretion.

Governing Law. We control, operate and administer this Website from our offices within the United States of America. These Terms of Use are governed by the laws of the State of South Dakota and the federal laws of the United States of America, without giving effect to conflict of laws provisions. For all disputes arising from or related to the Website, you agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in South Dakota.

Copyright Notices. Except as otherwise noted on this Website, the contents of this Website are copyrighted © 2010 – 2012 by Dollar Loan Center. All rights are reserved. No part of the materials on this Website, including text, graphics and html code, may be reproduced or transmitted in any form by any means without our express written consent, which may be withheld for any lawful reason.

Availability. All products and services referred to on this Website are available in the United States of America and only in those states where they may be legally offered. Access to the Website from territories where its contents are illegal is prohibited. This Website does not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation.

Use of Information. Information and/or content available in or on, or accessed or downloaded through or from, the Website are made available solely as a convenience to you for general informational purposes only and are not intended to provide specific commercial, financial, investment, accounting, tax, or legal advice. The Website and all Information and content is provided to you solely for your own personal, non-commercial use and not for purposes of resale, distribution, or any other uses by you in any form or manner whatsoever.

Miscellaneous. Subject to the terms of any other agreement(s) applicable to any loans or other products or services accessed or obtained by you from us, these Terms of Use constitute the entire agreement between you and us governing your use of this Website. Except as specifically set forth below, these Terms of Use supersede any prior agreements, including prior oral and/or written statements or representations not contained in these Terms of Use, between you and us relating to the Website and the Information. If any provision of these Terms of Use is invalid, illegal or unenforceable in any respect under any applicable statute or rule of law, the provision will be deemed omitted to the extent that it is invalid, illegal or unenforceable. In such a case, the remaining provisions of these Terms of Use will be construed in a manner as to give greatest effect to the original intention of the parties. Our failure to insist upon, or enforce, strict performance of any right or provision of these Terms of Use does not constitute a waiver of such right or provision. These Terms of Use are not intended to create a partnership, joint venture or agency relationship between you and us. You agree that any claim arising out of or related to these terms or your use of this Website must be filed within one (1) year after it arises.

Other Agreements, Documents And Policies. These Terms of Use incorporate by reference all agreements, documents, policies, disclosures and notices appearing on the Website, including but not limited to the Privacy Policy. Except for any agreements with us applicable to specific products and services (i.e. Loan Agreement, Disclosure Statements, End User License Agreements), these Terms of Use constitute the entire agreement between you and us with respect to access to, and use of, the Website and Information. If there is a conflict between a provision in such an agreement and these Terms of Use, the provision in the agreement will control, but only to the extent of the conflict.

Force Majeure. Our performance under these Terms of Use will be excused in the event of interruption and/or delay due to, or resulting from, causes beyond our reasonable control, including but not limited to acts of God, acts of any government, war or other hostility, civil disorder, the elements, fire, flood, earthquake, explosion, embargo, acts of terrorism, power failure, equipment failure, industrial or labor disputes or controversies, acts of any third party data provider(s) or other third party information provider(s), third party software, or communication method interruptions.