Term and Conditions



Modification to this Agreement

This Website (the “Website”) is owned and operated by ShortTermCashAdvance.com (the “Lender” , “us” or “we”), and your use of the Website is governed by theses Terms and Conditions of Website Use (“Agreement”). Lender reserves the right to modify this Agreement by adding or deleting terms, or by changing or modifying existing terms, including without any limitation the Privacy Policy, at any time without further notice. Such modifications will be effective upon posting on the Website, and your subsequent use of the Website will constitute your acceptance of the modifications. Please be advised that you should periodically review this page for any subsequent modifications.

Privacy Your loan application shall be governed by the ShortTermCashAdvance.com Privacy Policy

Changes to Privacy Policy

We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy we will notify you in a manner and time frame provided for by law.

Electronic Disclosure and Consent Agreement

If you are submitting an application to Lender, through this website, in order to process this application, you must agree to receive certain disclosures and documents in electronic form online. This Electronic Disclosure and Consent Agreement applies to this application and future communications we may provide to you during the process of your applying for or us servicing your account. By submitting your application, you hereby agree to receive all such disclosures and documents in electronic form or online in accordance with this document (“your Consent”). You may withdraw your Consent prior to submitting your application by exiting the application page or by closing the Website. However, you will not be able to submit your application if you withdraw your Consent by exiting the Website. In addition, because we are required to provide you with certain disclosures and documents prior to extending an offer to you, except as described below, you cannot withdraw your Consent after the submission of your application.

To access, view and retain the documents that we make available to you in electronic form, you must have the following hardware and software (we have included our recommended hardware and system requirements):

  • An Internet browser that supports 128-bit encryption (Microsoft Explorer 6.0 or higher, AOL 8.0 or higher or Firefox 1.0 or higher);
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit (64mg of memory);
  • An email account with an Internet service provider and email software in order to receive electronic communications from us (56k modem);
  • A personal computer (equipped with 133Mhz processor and 800 x 600 screen resolution), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying and either printing or storing account documents received from us in electronic form via a plain text-formatted email or by access to our Website using one of the browsers specified above;
  • Adobe® Acrobat Reader (7.0 or higher).

You consent to receive any disclosures or documents in electronic format unless you withdraw your Consent by not submitting your application.

All disclosures or documents that we provide to you in electronic format will be provided either (i) via email, (ii) by access to a secure website which will be provided to you in an email notice we send to you when the documents are available, or (iii) by posting on a secure website that we designate for that purpose.

All documents provided in electronic or paper format from us to you will be considered “in writing.” You should print a copy of the Account Documents for your records by using the “print” button in your browser or download the Account Document to your desktop.

You are required to provide us with an accurate and complete email address and other information related to your account and to maintain and update any changes to the information promptly. You can update information by logging into your account.

You may obtain paper copies of any disclosures or documents by printing them yourself from our Website, without charge. At your request, we will provide you with a paper copy of any disclosures or documents (to the extent we maintain the ability to print such paper copies) at no cost. Contact us by email on our website by clicking on “Contact Us” and list the disclosures and documents by name that you wish to have provided as copies in paper form. The email must include your name, account number and a contact number where we can reach you should we have any questions regarding your request. Your email must also include an address or fax number where you can receive the paper copies of disclosures and documents. Please allow up to 14 days to process your request.

We reserve the right, in our sole discretion, to discontinue electronic provision of documents. We will provide you with notice of any such termination or change as required by law.

You agree and we both intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) this Consent to receive documents in electronic form, (ii) your Agreement, and (iii) our ability to conduct business with you by electronic means.

To facilitate electronic commerce, to preserve natural resources, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically, and that we will not retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all disclosures and documents including but not limited to checks, transaction records, notes, applications, faxes, email correspondence and other loan papers. You further acknowledge and understand that we routinely destroy all original and electronic documents in accordance with our regular business practices, but not before a period of time designated by regulatory requirements.

By completing and submitting your application, you (i) confirm that you agree that you shall be bound by the laws Nevis, Indies, (ii)confirm your Consent to receive disclosures and documents in electronic format, (iii) affirmatively demonstrate your ability to access the documents in electronic form, (iv) confirm that you have provided a current email address to which we can send electronic documents, (v) acknowledge that you have accessed this Electronic Consent and Disclosure Agreement, and (vi) agree to the terms of this Consent.

Withdrawing Your Consent

You are free to withdraw your Consent at any time and at no charge to you. If at any time you wish to withdraw your Consent, you may do so by sending us your request in writing by emailing us using the “Contact Us” link on our website or calling us at 1-855-PAYDAY-8. If you decide to withdraw your Consent, the legal effectiveness, validity and/or enforceability of prior electronic records will not be affected.

Application Verification

You give Lender, its services and or agents consent to obtain information about you from a consumer reporting agency, or other means available including but not limited to CL Verify Solutions, IDology and DataX. You agree to and authorize such a search. You understand ShortTermCashAdvance.com may not fund your loan if it cannot successfully verify all of your application information.


You certify that the information supplied by you on this website to be true and correct. You authorize Lender or its services or agents to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or related to any such contacts. False information submitted on this website shall be sufficient reason for denial of your request.

Accuracy of Account Your Information

We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We strive to maintain complete and accurate information about you. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information deemed to be inaccurate.

Our Security Procedures

We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your non-public, personal information. We use Secure Socket Layer (SSL) technology to prevent unauthorized parties from viewing any personal information you transmit to us. We continually assess new technology for protecting information. We continually strive to ensure that our operational and data processing systems are in a secure environment that protects your account information from being accessed by unauthorized parties.

Additional Security Precautions

You also have a significant role in protecting your information. No one can see or edit your information without knowing your login information. Do not share this with others. If you use this site you are responsible for maintaining the confidentiality of your account, password and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

Children and the internet

We do not specifically intend to collect information from children (under 13 years old). You must be 18 years old to obtain a loan from Lender. We believe that children should get their parents’ consent before giving out personal information. If you discover your child has used our site against your wishes, contact us and we will remove your child’s information from our records. If you are concerned about your child’s use of our site, we encourage you to use website filtering technology to supervise your child’s access to that site.

Credit Reporting Disclosure

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.


INFORMATION COLLECTED AUTOMATICALLY Our website may employ the use of cookies and other technologies to collect information from your computer and about your activities on our site. A cookie is a piece of data stored on your hard drive containing information about you; it is neither spyware nor a virus. When you visit our Website, we may assign your computer one or more cookies, to help customize your access to our Website and to record information about your visit to our Website.

The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can modify your browser settings to decline cookies. In the case that you choose to reject cookies, you may still use our Website. The drawback of doing this is that it will limit the use of some of our interactive features offered on our Website.

In addition to cookies, our Website pages and/or emails may contain electronic images known as pixel tags (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Our Website may contain pixel tags placed there by third parties to help determine the effectiveness of a joint promotional or advertising campaign.

Participating Lenders

In certain circumstances, whether related to underwriting, due diligence, law, or other circumstance or event, Lender may provide your application data to other potential lenders in order to help you get the loan for which you applied. In that event Lender will send your application to prospective lenders participating in Lender’s direct network of consumer loan lenders (“participating lenders”). Your application will contain information provided by you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. Lender’s collection and use of this information is subject to this site’s Privacy Policy. In order to use this web site or the service, you must agree to the separate terms and conditions set forth in the Privacy Policy, which are incorporated herein by reference.


As a condition of using this web site and/or the services offered herein, you agree to indemnify Lender and its participating lenders from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.

Links to Third Parties

This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. Lender does not operate or control in any respect any information, software, products or services available on such third party sites. Lender’s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.


Lender takes reasonable measures to ensure the security of the Website. However, no website can be guaranteed 100% secure and Lender will not be held liable for any unauthorized alterations in the content or functionality of the Website. Please refer to the Website’s Privacy Policy for additional information on measures and technology used to secure this Website.


We may notify our users by placing a general notice on this Website, by email to a user’s email address on our records, or by written communication sent by first class mail to a user’s address on our records.



+ Disclaimers and Limitations