Terms of Use Agreement

Effective date: [effective date] · [Quickle Money legal entity name], doing business as Quickle Money

These Terms of Use ("Terms") govern your access to and use of www.quickl.money and the Quickle Money member portal (together, the "Site"), operated by [Quickle Money legal entity name]. By browsing the Site, submitting an application, or creating a portal account, you agree to these Terms. If you don't agree, please don't use the Site.

How this relates to your loan

These Terms govern your use of the website and portal only. They don't replace or modify the separate agreements you sign if you're approved for a loan: your Credit Access Business agreement with Quickle Money, and your loan contract with our unaffiliated lending partner. Those documents, along with the disclosures provided during the application process, govern the actual terms of your loan — including fees, repayment, and your cancellation rights.

Who can use the Site

You must be at least 18 years old and a legal resident of the United States, currently residing in Texas, to apply for a loan through the Site. By applying, you confirm that this is true. We may decline to serve you or close your account if we're unable to verify your eligibility.

Your account

If you create a member portal account, you're responsible for keeping your login details confidential and for all activity under your account. Tell us right away at support@quickl.money if you suspect unauthorized use. Your account is for your own personal use — please don't create an account for anyone else or share access to it.

Acceptable use

Please don't use the Site to: submit false or misleading information on an application; attempt to access another user's account or data; interfere with or disrupt the Site's operation, including through bots, scrapers, or excessive automated requests; reverse engineer or copy the Site's underlying software; or use the Site for any unlawful purpose. We may suspend or close accounts that violate this section.

Ownership of Site content

Everything on the Site — text, graphics, logos, and software — belongs to [Quickle Money legal entity name] or our licensors and is protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use, but you may not republish, redistribute, or create derivative works from Site content without our written permission.

Consent to be contacted

By providing your phone number and submitting an application, you agree that we, our lending partner, and their agents may contact you about your application or loan — by phone, text, email, or mail, including using an autodialer or a prerecorded or artificial voice — even if your number is on a state or federal Do Not Call list. This consent covers servicing-related contact, such as payment reminders and account updates, and applies whether or not you separately opt in to marketing communications. Message and data rates may apply. This consent isn't a condition of getting a loan, and you can ask us to stop contacting you for non-essential purposes at any time.

Military Lending Act notice

Federal law and Department of Defense regulations provide special protections to active-duty service members, their spouses, and certain dependents ("covered borrowers") under the Military Lending Act (MLA). We ask about military affiliation during the application process so we can apply those protections correctly. If you're a covered borrower, some provisions of these Terms — including the arbitration provision below — do not apply to disputes involving the extension of consumer credit to you, and additional disclosures and rate limits apply to your loan under the MLA.

No warranty

The Site is provided "as is." We don't guarantee it will be uninterrupted, error-free, or free of viruses, and we don't warrant the accuracy of any non-account-specific information on it (such as illustrative examples on the loan calculator). Your actual loan terms are governed by your signed loan contract, not by general content on the Site.

Limitation of liability

To the extent permitted by law, [Quickle Money legal entity name] and our officers, employees, and agents won't be liable for indirect, incidental, or consequential damages arising from your use of the Site. Nothing in this section limits any right you have under your loan contract or under Texas consumer-lending law that can't be waived.

Indemnification

You agree to reimburse us for reasonable losses, including attorneys' fees, that arise from your breach of these Terms, misuse of the Site, or violation of applicable law.

Governing law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules, and by applicable federal law.

Resolving disputes

If a disagreement comes up, contact us first at support@quickl.money — most issues can be resolved directly. If we can't resolve it informally, you and [Quickle Money legal entity name] agree that any remaining dispute arising from these Terms or your use of the Site will be resolved by individual binding arbitration under the Federal Arbitration Act, rather than in court, except that either party may bring an individual claim in small-claims court where it qualifies. You and we each waive the right to a jury trial and to participate in a class action. As noted above, this arbitration provision does not apply to a dispute involving the extension of consumer credit to a covered borrower under the Military Lending Act.

Changes to these Terms

We may update these Terms from time to time; the effective date above reflects the most recent revision. Continuing to use the Site after changes take effect means you accept the updated Terms.

Contact us

Questions about these Terms? Reach us at support@quickl.money or [phone], or by mail at [Quickle Money legal entity name], [registered business address].