Terms of Use

1. Acceptance and scope

These Terms govern your use of the CashOtter website and its advertising, referral and optional text message services. By using the website, you agree to these Terms. If you do not agree, do not use the service. These Terms are a draft pending compliance approval and do not replace any agreement you enter into with a lender.

2. Our advertising and referral service

CashOtter is not a lender and does not make loans or credit decisions. Your request is shared with our lender-network partner, one or more lenders in the network review it, and you may be sent on to the lender that can continue. Each lender decides for itself whether to make you an offer and on what terms.

CashOtter does not broker loans, act as a lender's agent, set loan terms or take loan applications on behalf of lenders. We collect your request for referral purposes. Nothing on this website is an offer to lend or a commitment to provide credit.

CashOtter charges you nothing. Submitting a request is free and carries no obligation. We may receive compensation from lenders or other advertising partners for referral or marketing services.

CashOtter is paid by our lender-network partner for advertising and referral services when we send a request. This costs you nothing. Your request is shared with that partner, one or more lenders in its network may review it, and you may be sent on to the lender that can continue. Compensation may influence which offers are displayed or the order in which they appear.

3. Eligibility and your information

You must be at least 18 years old and reside in a state we currently serve to submit a request. Any additional eligibility requirements are determined by the lender. You agree to provide accurate, current information about yourself and not to submit another person's information without lawful authority. You are responsible for reviewing your information before submitting it.

Availability depends on your location, qualifications, the lender's criteria and applicable law. Submitting a request does not guarantee an offer, approval, any particular terms or funding.

4. Loan terms, decisions and repayment

Annual Percentage Rate (APR) reflects the annualized cost of borrowing and includes interest as well as certain finance charges assessed by a lender. APR is expressed as a percentage and is intended to help consumers compare the cost of credit across different offers. CashOtter does not make loans, does not set interest rates, and does not make credit decisions. Lenders within our network determine all loan terms independently. Based on lender offerings currently available through our network, APRs may generally fall between approximately 5.99% and 35.99%, though lower or higher rates may be offered depending on the lender, loan product, and applicant qualifications. Loan repayment periods offered by lenders commonly range from just over 60 days to as long as 72 months, depending on the product selected. The exact APR, repayment schedule, total loan cost, and duration will be disclosed by the lender before you accept any loan offer.

Loan applications submitted through this website are reviewed directly by participating lenders. Approval decisions are made solely by the lender. If approved, some lenders may transmit funds as soon as the same business day; however, actual funding times depend on lender processing and the policies of your financial institution.

The lender's agreement, not website examples, controls any loan you accept. Review the APR, fees, payment schedule, total repayment, cancellation rights and any renewal or extension provisions before signing. You have no obligation to accept an offer. CashOtter does not service loans, collect payments or resolve a lender's account disputes.

Late payments, missed payments, or failure to repay the loan in full may result in additional fees, penalties, or other consequences as described in the lender's agreement.

5. Privacy and permissions

Our Privacy Policy explains the information we collect, its use and sharing, and your privacy choices. The optional CashOtter text permission is separate from the lender-network phone and autodialer permission. Required sharing and electronic-records consents and optional contact consents are presented in the request form. Text consent is not required to continue or submit.

SMS / Text Message Terms

Program name: CashOtter loan request texts.

Program description: If you separately opt in, we may send reminders about an unfinished request, a note if no option was found, and a sign-up confirmation. These messages concern your request; a text is not a loan offer or an approval notice.

Message frequency: up to 3 messages per loan request. The program may send fewer messages; frequency depends on your request and applicable sending restrictions.

Costs: Message and data rates may apply. Your wireless provider's charges and terms apply; CashOtter does not charge a separate text subscription fee.

Cancellation and help: Reply STOP to cancel at any time; reply HELP for help. You can also contact support@cashotterloans.com or [SUPPORT PHONE]. After cancellation, do not expect further program reminders. You may also withdraw optional text permission in the request form or use the website's privacy contact process.

Voluntary consent: Consent is not a condition of any loan, any loan offer, or use of the referral service. The CashOtter opt-in does not grant separate permission for third-party promotional texts. You may continue and submit with the box unticked.

Delivery: Carriers are not liable for delayed or undelivered messages. Delivery depends on carrier coverage, network availability and a valid mobile number. Message timing is not a promise of lender response or funding. Notify us if you change or relinquish the number you provided.

Privacy: See our Privacy Policy for how mobile numbers and text consent are handled.

6. Permitted use

Use the service lawfully and for genuine personal requests. Do not impersonate another person, submit false or stolen information, interfere with the website, attempt unauthorized access, introduce malicious software or use automated submissions to abuse the service. Website content is for information and comparison, not individualized legal, financial or tax advice.

7. Third-party websites and intellectual property

You may be directed to an independent lender's website. Its terms and privacy practices apply there, and CashOtter does not control that website, underwriting, servicing or collection practices. Our website content, branding and materials are protected by applicable intellectual property laws. You may use them for personal, noncommercial review; other use requires authorization from the applicable rights holder.

8. Availability, disclaimers and liability

To the extent permitted by applicable law, the website and referral service are provided as available without a warranty of uninterrupted operation, error-free content or a particular result. We do not warrant that a lender will make an offer or provide credit. We may suspend abusive or unlawful use, or interrupt the service for maintenance or safety.

To the extent permitted by applicable law, CashOtter and its operator are not liable for indirect, incidental, special or consequential losses arising from use of the website or an independent lender's decisions. Nothing in these Terms excludes liability or limits a consumer right that cannot lawfully be excluded or limited. No mandatory arbitration, class-action waiver or chosen court is established by this draft.

9. Changes, applicable law and contact

Any final version and later changes will be identified by their effective date. Changes do not retroactively alter rights that applicable law protects. Applicable federal and state law governs your statutory rights. If a provision is unenforceable, the remaining provisions continue to the extent permitted by law.

Contact [LEGAL ENTITY NAME] at support@cashotterloans.com, telephone [SUPPORT PHONE], or by mail at [MAILING ADDRESS]. For questions about a loan, contact the lender using your loan agreement.