Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website, mobile experiences, and related services (collectively, the "Services") offered by Gold Scepter Finances LLC ("Company," "we," "us," or "our"). The Services may be branded or described using trade names such as Instant Cash Advance: Scepter; references to the Services include all such branding.

By accessing or using the Services—whether you browse our website, submit information through forms, create or use an account, or interact with us by email, telephone, SMS, or other channels—you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not use the Services.

These Terms apply to you in your individual capacity. If you access the Services on behalf of a business or other entity, you represent that you have authority to bind that entity, and "you" includes that entity.

1. Definitions

For clarity, the following terms have the meanings below unless the context requires otherwise:

• "Content" means all text, graphics, logos, images, software, data compilations, page layouts, and other materials made available through the Services.
• "Lenders" means independent third-party financial institutions, loan servicers, lead buyers, or other partners with whom we may share your application or who may present offers to you.
• "User," "you," and "your" mean any person who accesses or uses the Services.
• "User Information" means information you submit to us or that we collect in connection with the Services, as further described in our Privacy Policy.

2. Description of Services

Gold Scepter Finances LLC operates an online platform that helps consumers explore and request connection to credit or loan products offered by Lenders. We are not a lender, do not extend credit, and do not make credit decisions. We do not guarantee that you will receive any offer, that any offer will be the best available to you, or that terms displayed on our website (including illustrative rates, amounts, or repayment periods) will match the terms of any actual loan you may obtain.

Our role may include collecting application information, verifying certain details where permitted, transmitting your request to one or more Lenders or marketing partners, and presenting you with links or redirects to complete an application or accept an offer on a Lender's website. Each Lender sets its own eligibility criteria, underwriting standards, fees, interest rates, repayment schedules, and contract terms. Any loan or credit product is solely between you and the Lender that funds or services it.

We may modify, suspend, or discontinue any part of the Services at any time. We may also work with service providers, technology vendors, and data partners to operate the Services; their use of information is described in our Privacy Policy or their own notices where applicable.

3. Eligibility and Geographic Availability

To use the Services you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction, if higher)
• Reside in the United States in a location where the Services and any product you seek are legally offered
• Have full legal capacity to enter into binding contracts
• Not be barred from receiving extensions of credit or using similar services under applicable law
• Provide only truthful, accurate, and complete information, and update it if it changes where we allow or require updates

Products and Services may not be available in all states or for all consumers. We may decline to process a request or limit functionality based on location, risk, fraud signals, or partner requirements. You are responsible for complying with laws that apply to you.

4. Accounts, Security, and Communications

Where we offer accounts, portals, or saved applications, you agree to provide accurate registration information and to keep your login credentials confidential. You are responsible for all activity under your account unless you notify us promptly of unauthorized use in accordance with our contact procedures.

You consent to receive transactional and service-related communications from us and, where you opt in or as permitted by law, marketing messages by email, telephone (including autodialed or prerecorded calls where permitted), SMS, or push notification. Message and data rates may apply. You may opt out of marketing communications as described in our Privacy Policy or in the message itself; opting out of marketing does not limit essential notices about security, these Terms, or your applications where the law requires or permits such contact.

5. Loan Applications, Consents, and Representations

When you submit a request or application through the Services, you understand and agree that:

• You authorize us and our Lenders and service providers to obtain, use, and share User Information as described in our Privacy Policy, including sharing with multiple Lenders to match you to a product
• Lenders may obtain consumer reports (including credit reports) from one or more consumer reporting agencies and may use such reports and other information to evaluate your request and verify your identity
• You may receive multiple contacts (calls, emails, or texts) from us or Lenders regarding your request, even if your telephone number is on a state or federal Do Not Call list, to the extent permitted by law and consistent with your consents
• Submitting an application does not obligate any Lender to make an offer; a separate agreement with a Lender is required for any loan
• False, incomplete, or misleading information may result in denial, termination of access, and referral to appropriate authorities if fraud is suspected

You represent that you are seeking a loan primarily for personal, family, or household purposes unless you clearly identify a business purpose where we offer that path. You will not use the Services to obtain credit for illegal activity or to misrepresent your identity or financial condition.

6. No Professional Advice

Nothing on the Services constitutes legal, tax, financial, or investment advice. We do not recommend any particular Lender or product. You should read all disclosures, loan agreements, and fee schedules provided by a Lender before accepting credit. If you need personalized advice, consult a qualified professional.

7. Electronic Records, Signatures, and Notices

You consent to conduct transactions and receive records electronically. You agree that agreements, notices, disclosures, and other communications provided electronically satisfy any legal writing requirement, to the extent permitted by law. You consent to electronic signatures and to the use of electronic records in connection with your application and any resulting loan documents executed with a Lender.

You must maintain a valid email address and, where required, update it through our tools or by contacting us. We are not responsible for delivery failures caused by spam filters, full mailboxes, or incorrect contact information you provided.

8. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of export, sanctions, or anti-fraud laws
• Submit false, misleading, or stolen identity or financial information
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the Services, servers, or networks, or circumvent security or access controls
• Probe, scan, or test vulnerabilities without authorization, or access data not intended for you
• Use automated means (including bots, scrapers, or harvesters) to access the Services without our prior written consent, except public search engines as permitted by robots.txt
• Copy, mirror, or frame the Services or Content without permission
• Introduce viruses, malware, or other harmful code
• Use the Services to transmit harassing, defamatory, obscene, or hateful material
• Reverse engineer or attempt to extract source code from our software except where applicable law expressly permits

We may investigate suspected violations and cooperate with law enforcement. We may suspend or terminate access, remove Content, or take technical measures we deem appropriate, with or without notice, except where prohibited by law.

9. Intellectual Property

Unless otherwise indicated, Content is owned by Gold Scepter Finances LLC or our licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. The names Instant Cash Advance: Scepter, Gold Scepter Finances LLC, and related logos are trademarks or service marks of Company or its licensors. You receive a limited, non-exclusive, non-transferable, revocable license to access and view the Content for personal, non-commercial use in connection with the Services. You may not copy, modify, distribute, sell, lease, publicly display, or create derivative works from our Content without prior written consent, except for temporary caching or printing a reasonable number of pages for personal reference.

If you believe Content on the Services infringes your copyright, send a notice containing the information required by the Digital Millennium Copyright Act (17 U.S.C. section 512) to the contact address below. We may remove or disable access to material in accordance with applicable law.

10. Privacy

Our collection, use, and disclosure of personal information are described in our Privacy Policy. By using the Services, you acknowledge that we may process User Information as stated there. If you do not agree with our Privacy Policy, you must stop using the Services.

11. Third-Party Websites, Lenders, and Advertising

The Services may include links to third-party websites, tools, or advertisements. We do not control and are not responsible for third-party content, privacy practices, terms, or availability. Your dealings with Lenders and other third parties—including obtaining or repaying a loan—are solely between you and that third party. When you leave our Services or complete an application on a Lender's site, that Lender's agreements, privacy policy, and disclosures govern.

We may receive compensation from Lenders or partners when you are matched or when you obtain a product. Such compensation does not increase the cost you pay to the Lender for a particular product in a way that we are required to disclose under applicable law; however, not all Lenders in the market participate in our network, and you may obtain different terms elsewhere.

12. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES OR SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS; IN SUCH CASES, OUR DISCLAIMERS APPLY TO THE MAXIMUM EXTENT ALLOWED.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL GOLD SCEPTER FINANCES LLC OR ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100) OR (B) THE AMOUNTS YOU HAVE PAID TO US (IF ANY) FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THE EXISTENCE OF MULTIPLE CLAIMS WILL NOT ENLARGE THIS LIMIT. BECAUSE SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, THESE LIMITATIONS APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY LAW.

You acknowledge that the limitations in this section are an essential basis of the bargain between you and Company and allocate risk between the parties.

14. Indemnification

You agree to indemnify, defend, and hold harmless Gold Scepter Finances LLC and its affiliates, officers, directors, employees, and agents from and against any claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your User Information or submissions; (c) your violation of these Terms or applicable law; (d) your violation of third-party rights; or (e) any dispute between you and a Lender or other third party. We may assume exclusive defense and control of any matter subject to indemnification at your expense, and you agree to cooperate with our defense.

15. Suspension and Termination

We may suspend or terminate your access to the Services at any time, with or without cause or notice, except where notice is required by law. Provisions of these Terms that by their nature should survive—including intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and governing law—will survive termination.

You may stop using the Services at any time. Termination does not relieve you of obligations incurred prior to termination or of liability for breaches of these Terms.

16. Dispute Resolution; Arbitration; Class Action Waiver

Informal resolution. Before filing a claim, you agree to contact us at the address below and attempt to resolve the dispute informally for at least thirty (30) days.

Binding arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or our relationship—whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory—shall be resolved exclusively by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or Commercial Rules if those apply), as modified by this section. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

The arbitration shall be conducted in Denver, Colorado, unless the AAA Rules or applicable law require a different location for in-person hearings. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. You and Company waive any right to bring or participate in a class action, class arbitration, private attorney general action, or other representative proceeding. If a court finds this class waiver unenforceable as to any claim or remedy, then that claim or remedy (and only that claim or remedy) must proceed in court after the other claims are arbitrated.

Exceptions. Either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect intellectual property rights or to prevent unauthorized access or abuse of the Services. Either party may bring an individual action in small claims court if the claim qualifies.

Opt-out. You may opt out of this arbitration agreement by sending a written notice to the address below within thirty (30) days of first accepting these Terms that states your name, address, and intent to opt out of arbitration. If you opt out, the arbitration agreement does not apply, but the class action waiver may still apply to the extent permitted by law.

17. Governing Law

These Terms and any dispute not subject to arbitration shall be governed by the laws of the State of Colorado, without regard to its conflict-of-law principles, except that the Federal Arbitration Act governs provisions relating to arbitration.

18. General Provisions

Entire agreement. These Terms and the Privacy Policy constitute the entire agreement between you and Company regarding the Services and supersede prior agreements on the same subject.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.

No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.

Severability. If any provision is held invalid or unenforceable, the remaining provisions remain in effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable.

Force majeure. We are not liable for delays or failures due to events beyond our reasonable control, including natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials, or failures of telecommunications or internet providers.

Export. You may not use or export the Services in violation of U.S. export laws or regulations.

19. Changes to These Terms

We may modify these Terms at any time. We will post the updated Terms on our website and revise the "Last Updated" date. Material changes may require additional notice where the law requires (for example, email or prominent notice). Your continued use of the Services after the effective date of changes constitutes acceptance unless applicable law requires a different method of acceptance. If you do not agree, you must stop using the Services.

20. Contact Us

For questions about these Terms, arbitration opt-out notices, or DMCA notices, contact:

Gold Scepter Finances LLC
2720 S Garfield St, Denver, CO 80210-6622
Email: [email protected]
Phone: +1 970 4063551