Disclosure

Terms of Use

TERMS OF USE
EFFECTIVE DATE: JANUARY 1, 2026

By accessing or using this website, you expressly agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you must refrain from using the website and any services offered through the website. The operators of this website reserve the right to modify, replace, and amend these Terms of Use at any time and when revisions are implemented, they will take into immediate effect upon publication, replacing and superseding any previous version of these terms. Therefore, you are encouraged to review these Terms of Use each time you access the website as your continued use of the website after such changes shall constitute your acceptance. By utilizing this website, you represent and warrant that: (i) you are at least eighteen (18) years of age and legally competent to enter into binding agreements; (ii) all information you provide is truthful, accurate, and your own; and (iii) you will use the website only for lawful purposes and in compliance with these Terms and applicable laws. Access to the website and its services may be restricted, suspended, or terminated by its operators at any time, for any reason, with or without prior notice. This website is intended for use exclusively within the United States and is not designed to subject us to foreign jurisdictions or foreign law.

THESE TERMS INCLUDE CLASS ACTION AND ARBITRATION PROVISIONS. PLEASE CAREFULLY REVIEW AND SEEK LEGAL ADVICE, IF NECESSARY.

A. SERVICES. This website provides a free service that passes the information consumers submit through the website forms to lenders, marketing partners, and financial service providers (“Third Parties”) who may offer consumers short-term loans, financial products, or other related services. These third parties operate independently from the operators of this website and may have varying requirements, processes, and loan terms. The operators of this website are not lenders, financial service providers, or credit brokers. Submission of a request by a consumer on this website does not guarantee approval of any loan or financial product. Because the website does not act as a lender, creditor, or agent, the website does not endorse any specific lender, service, or product which may be presented to a consumer on or through this website. The website does not set interest rates, fees, costs, or loan terms. Any loan offer a consumer receives should be carefully reviewed before acceptance. Acceptance of any offer is entirely voluntary. This website may receive compensation from third-parties for referrals, which may influence which offers appear on our website and are presented to consumers. Not all lenders or products are represented, and some may include tribal lenders, whose terms and governing law may differ from state regulations.

B. SHARING INFORMATION WITH THIRD-PARTIES. By submitting your information on this website to request to be connected with a lender for a loan, you acknowledge and agree that this website may transmit (or “pass”) your information to lenders, financial service providers, and marketing partners within our network for the purpose of facilitating the services or products you request. These third-parties will have data collection, privacy, terms of use, and security practices that differ substantially from those of this website. When you submit your contact information and phone number on the website, you are providing express written consent to be contacted via telephone (including text messages, robocalls, or ringless voicemail), email, and/or direct mail.

C. CONSENT FOR LENDERS AND THIRD-PARTIES TO VERIFY INFORMATION AND OBTAIN CREDIT REPORTS. The lenders and financial service providers you may be connected with through this website may verify the information you submit by accessing your credit reports, credit scores, and confirming your identity. This process may involve credit checks through one or more major credit bureaus—TransUnion, Experian, and Equifax—as well as other alternative consumer data sources. These alternative consumer data sources will vary based on each individual lender or financial service provider. By submitting your information on this website, you are providing express consent, in accordance with the Fair Credit Reporting Act, for lenders and financial service providers to access and use your credit report, credit score, and related consumer information to evaluate your eligibility and verify your identity. Failure to repay loans and credit taken out may negatively impact your credit score should your lender choose to report delinquencies to credit bureaus and therefore, you are encouraged to borrow responsibly. For any questions regarding a specific loan or credit inquiry, you should contact the lender directly.

D. CONSUMER CONSENT TO RECEIVE COMMUNICATIONS. By submitting a consumer loan request through this website, you provide express written consent to receive communications from the operator of this website and third-party marketing partners via: (i) Telephone, at the number you provide, including landline or mobile, regardless of any “Do Not Call” registration, including pre-recorded calls, ringless voicemail, automated calls, or SMS messages in accordance with the Telephone Consumer Protection Act (“TCPA”); (ii) Email, at the address you provide. Consent to receive marketing communications is not a condition of using our services.

E. THIRD-PARTY WEBSITE LINKS. This website may contain links to third-party websites, which are governed by their own unique terms, privacy policies, and security practices. This website is not responsible for the content, privacy policies, terms, and security of these websites. Inclusion of a third-party link does not imply endorsement or recommendation. You are encouraged to review each third-party policies before providing any information or engaging with their services.

F. WEBSITE INTELLECTUAL PROPERTY RIGHTS, COPYRIGHTS, AND TRADEMARKS. All content on this website—including text, graphics, logos, software, and other materials—is owned or licensed by the operators of this website and protected under applicable copyright and trademark laws. You may not copy, modify, reproduce, distribute, or otherwise use any content or trademarks without our prior written consent. Unauthorized use constitutes a material breach of these Terms. Ownership of all technology, content, and services provided through this website is reserved exclusively to us.

G. INDEMNIFICATION. YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD THIS WEBSITE AND ITS OWNERS AND OPERATORS, HARMLESS FROM AND AGAINST ANY AND ALL THIRD-PARTY ACTIONS, SUITS, CLAIMS OR DEMANDS AND ANY ASSOCIATED LOSSES, EXPENSES, DAMAGES, COSTS, AND OTHER LIABILITIES (INCLUDING REASONABLE ATTORNEYS’ FEES), ARISING OUT OF OR RELATING TO YOUR LOAN REQUEST OR SUBMISSION OF INFORMATION, USE OR MISUSE OF ANY ASPECT OF THE SERVICES OR WEBSITE, OR YOUR VIOLATION OF THESE TERMS. YOU ARE REQUIRED TO REASONABLY COOPERATE IN THE DEFENSE OF ANY SUCH CLAIM OR DEMAND. WE AND ANY THIRD-PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THE WEBSITE OR ITS SERVICES RESERVES THE RIGHT, AT OUR SOLE DISCRETION, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, AT YOUR EXPENSE, AND YOU WILL NOT IN ANY EVENT SETTLE ANY SUCH MATTER WITHOUT OUR PRIOR WRITTEN CONSENT AND ANY SUCH THIRD-PARTY.

H. DISCLAIMER OF WARRANTIES. THIS WEBSITE AND ITS SERVICES ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.” THE WEBSITE MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. USE OF THE WEBSITE IS AT YOUR SOLE RISK.

I. LIMITATION OF LIABILITY. YOU AGREE THAT THE WEBSITE AND ITS OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AND OPERATORS SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, ARISING FROM USE OR INABILITY TO USE THE WEBSITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY.

J. PRIVACY POLICY. Our Privacy Policy is incorporated by reference and can be reviewed on the website.

K. SEVERANCE. If any provision of these Terms is found to be invalid or unenforceable, such provision shall be modified or severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. Headings are for convenience only and do not affect interpretation. Failure to enforce any provision does not constitute waiver.

L. CHOICE OF LAW, VENUE, AND LIMITATIONS. These Terms shall be governed by the laws of the State of Delaware, without regard to conflicts of law principles. Any claims must be filed within one (1) year of the event giving rise to the claim, or the claim is waived.

M. CLASS ACTION WAIVER; BINDING ARBITRATION. To the fullest extent permitted by law, you waive any right to participate in a class action or consolidated proceeding against this website. Claims must be brought individually, not on behalf of others. All disputes arising from or relating to these Terms or the website shall be resolved by binding arbitration under the Commercial Rules of the American Arbitration Association (“AAA”) in Kent County, Delaware, before a single arbitrator. Discovery shall be completed within 120 days. Each party may be represented by counsel, present evidence, cross-examine witnesses, and participate via electronic means if approved by the arbitrator. The arbitration award is final and binding, may be enforced in any competent court, and the prevailing party may recover reasonable costs and attorneys’ fees, not exceeding $50,000. Punitive damages are waived. Parties retain the right to seek injunctive or equitable relief in court to protect proprietary rights or intellectual property. AAA rules are subordinate to these Terms. Arbitration waives the right to a jury trial or court litigation.

N. CONTACT. If you have any questions regarding this Terms Of Use Policy, please contact us directly.
Email: [email protected]
Mailing Address: 1835 East Hallandale Beach Blvd. Suite 437 Hallandale Beach, FL 33009

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Important Disclosures

Disclaimers: The operators of this website are not lenders, financial institutions, creditors, and do not broker loans, determine creditworthiness, or make credit decisions. Therefore, the operators of this website have no determination in determining whether a consumer will be approved for a loan by a lender they may connect with using the services offered on this website. This website offers a free service which collects a consumer’s submitted information and passes it to third-party lenders in its network, which may offer certain financial products. Submitting information through the website form does not guarantee that a consumer will connect with a lender or qualify for a loan or a specific amount of credit. The typical loans products offered by lenders which consumers may connect with are not long-term financial solutions but instead, are intended to provide temporary credit to resolve immediate financial needs or emergencies. The operators of this website receive monetary compensation from the lenders a consumer may connect with and whose products are presented through the website, such as a referral for each consumer request they receive. To summarize, the operator of this website earns referral fees from passing information to lenders. This form of compensation will impact which lenders a consumer may connect with or which offers a consumer may receive from a lender. Not all loan products available to consumers in the marketplace may be offered through our free service or available through the lenders you may connect with and consumers are encouraged to conduct research prior to the acceptance of credit. Lenders that consumers may connect with through our service will likely perform credit checks through credit reporting bureaus while also verifying the information a consumer provides on the website’s form, including but not limited to: social security number, address, phone number, employment history, and bank account information. By submitting information on this website, consumers are providing express written consent, in accordance with the Fair Credit Reporting Act, for lenders to access your credit reports, credit scores, and related consumer information. Furthermore, our service works with several types of lenders, including national and state licensed and tribal lending institutions. Indian tribes that are federally recognized are independent sovereign nations, meaning that their wholly owned entities are generally not subject to certain laws and regulations governing lending, such as rates, fees and other loan related conditions. Consumers that connect with tribal lending institutions on this website are encouraged to review all material terms, including rates, as they may be higher than those rates offered by certain state licensed lenders. Lenders you may connect with are required by federal law to disclose material loan terms and conditions to consumers, such as rates and fees. Non-payment of loans may impact a consumer’s credit score negatively if a credit provider chooses to report delinquencies. Additionally, failure to repay loans may result in nonpayment penalties and collection activities. This operator of this website does not recommend, endorse, or warrant any product or service. You are under no obligation at any time to accept any offer from a lender or financial service provider. For more information, visit our Disclosure page.

Availability: The products and services offered by lenders in our network may not be available in every state. If a consumer resides in a state where certain products or services are not offered or available, then the consumer will not be able to be connected to a lender. No services contained on this website shall constitute an offer or solicitation for any financial or loan products that are prohibited by state law.

Billshappen.com® is an exclusive trademark of Winston Wolfe Media Group, LLC (“WWMG”). WWMG does not operate this website, does not provide any services to consumers, and does not collect, receive, store, or process consumer information submitted through this website. All services, including data collection, processing, consumer communications, and interactions with lenders or service providers, are performed solely by the operators of this website. WWMG is not a lender, broker, or agent of any lender and does not make credit decisions or participate in any lending or marketing activities. WWMG reserves all rights. Unauthorized copying, distribution, or dissemination of any kind is prohibited.