CLS Money Terms of Use

These Terms of Use (“Terms”) are an agreement between you and CLS Money Y LLC (“CLS Money,” “we,” “us”) covering your use of the CLS Money website and iOS app (together, the “Service”). Please read them before you use the Service.

By using the Service, you also agree to our Privacy Notice, App Privacy Notice, and E-SIGN Consent. If you do not agree, you may not use the Service.

1. What CLS Money is

CLS Money is a loan-matching marketplace. We are not a lender, broker, or bank, and we do not make credit decisions, set rates, fund loans, or service accounts. We help you connect with one licensed independent lender that you choose. That lender decides whether to offer you credit and on what terms. Borrowing products you may be matched with include cash advance, payday and installment offers from licensed third-party lenders.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use the Service. By using the Service you confirm that you meet these requirements and that the information you give us is accurate.

3. How matching works

You share a few basic details, such as the amount you want, your state, and your income type. We use those details to surface a licensed lender whose own published rules line up with your request. Matching is provided for your convenience and is not a recommendation, endorsement, pre-approval, or promise of funding. You decide whether to continue with any lender.

4. Representative loan terms

Offers come from independent licensed lenders, not from CLS Money. Across the lenders we work with, loan amounts are typically up to $1,000, annual percentage rates (APR) generally range from 5.99% to 35.99%, and terms generally run from 2 to 36 months. Any origination cost charged by a lender is included in the APR shown, capped at 35.99%. Your actual amount, APR, term, and any fees are set by the lender you choose and disclosed to you by that lender before you sign. The example below is illustrative only.

Representative example: a $1,000 loan at 27.99% APR repaid over 24 months would have a monthly payment of about $54.88 and a total of payments of about $1,317.12. This is an illustration, not an offer.

5. The lender relationship

If you continue with a lender, you leave the Service and deal directly with that lender under the lender’s own agreement, privacy practices, and disclosures. CLS Money is not a party to any loan you obtain and is not responsible for a lender’s products, decisions, rates, fees, or conduct. Always read the lender’s Truth-in-Lending disclosure and fee schedule before you sign.

6. Compensation

We may receive compensation from the licensed lenders we work with. This does not change what you pay the lender and does not decide which offer you accept.

7. Your responsibilities

You agree to use the Service only for lawful purposes, to provide accurate information, to keep your account credentials secure, and not to misuse, copy, scrape, reverse engineer, or interfere with the Service or attempt to access it in unauthorized ways.

8. Intellectual property

The Service, including its text, design, and logos, belongs to CLS Money Y LLC or its licensors. We grant you a limited, personal, non-transferable license to use the Service for its intended purpose. Lender names and marks are the property of their owners and are used for identification only.

9. Service provided as is

The Service is provided on an “as is” and “as available” basis. We do not warrant that offers will be available, that matching will result in approval, or that the Service will be uninterrupted or error free. Information in the Service is for general orientation and is not financial, legal, or tax advice.

10. Limitation of liability

To the extent permitted by law, CLS Money Y LLC is not liable for indirect, incidental, special, or consequential damages arising from your use of the Service or any loan you obtain from a lender. Our total liability for any claim relating to the Service is limited to the total fees you paid CLS Money, which is typically zero.

11. Indemnification

You agree to indemnify and hold CLS Money Y LLC harmless from claims and costs arising out of your misuse of the Service or your violation of these Terms or applicable law.

12. Dispute resolution and arbitration

Most concerns can be resolved quickly by contacting us at [email protected]. If a dispute is not resolved, you and CLS Money agree to resolve it through binding individual arbitration rather than in court, and you and CLS Money waive any right to a jury trial and to participate in a class action. You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these Terms. This section does not prevent either party from seeking relief in small claims court.

13. Governing law

These Terms are governed by the laws of the State of Colorado, without regard to its conflict of laws rules, except where federal arbitration law applies.

14. Changes to the Service and these Terms

We may update the Service or these Terms. If we make material changes, we will revise the effective date above and post the current version. Continued use of the Service after changes take effect means you accept the updated Terms.

15. Termination

You may stop using the Service at any time and may delete your account in the app. We may suspend or end access to the Service if you violate these Terms or use the Service unlawfully.

16. Contact

CLS Money Y LLC, 728 Bennett Ave, Colorado Springs, CO 80909-4910, [email protected].

CLS Money Y LLC is a loan-matching marketplace and is not a lender, broker, or bank.