Effective Date: July 1, 2020
topfinann.com operates this website (the "Site"). By using this Site, you agree to these Terms of Use and our Privacy Policy. The following terms apply:
Services and Products
topfinann.com does not provide loans or financial products. We connect users with lenders who offer loan products directly. We are not responsible for the loans themselves.
Electronic Signature and Communication
By clicking “Get Cash Now” or similar buttons, you consent to use an electronic signature and receive electronic communications from lenders, including notices like adverse action notices.
SMS Messaging Terms
By clicking “Submit,” you consent to receive SMS messages from topfinann.com and its marketing partners. Standard messaging and data rates may apply. You may opt out by texting “STOP.”
Email Consent
By providing your email address, you agree to receive both transactional and promotional emails from topfinann.com and its partners. You can opt out at any time.
Loan Inquiry Policy
We reserve the right to reject any loan inquiry. Submitting your information does not guarantee loan approval, as this is determined by the lender.
Credit Checks
Lenders may perform credit checks using major credit bureaus such as Equifax, TransUnion, or Experian. By submitting your information, you agree to these credit checks.
Eligibility Requirements
You must be at least 18 years old and a resident of the U.S. to use this Site. You also agree not to use the Site for unlawful purposes.
Compliance with Laws
You must comply with all relevant laws and regulations regarding the use of this Site and its services. topfinann.com may report any potential violations to the appropriate authorities and conduct investigations, during which services may be suspended or data removed from the Site.
Legal Compliance
You must comply with all applicable laws while using the Site. topfinann.com may report illegal activities and take measures to remove illegal content.
Intellectual Property Rights
The content on the Site is owned by topfinann.com or third parties and is protected by intellectual property laws. You may view content for personal use but cannot distribute it without permission.
Limitation of Liability and Disclaimer
topfinann.com strives to provide accurate information but the Site is offered "as is." We are not liable for any damages resulting from your use of the Site.
Third-Party Links
The Site may contain links to third-party websites. topfinann.com is not responsible for the content or privacy practices of these external sites.
Privacy Policy
Your personal information is handled according to our Privacy Policy. By using the Site, you agree to this policy.
Security Measures
We employ security measures to protect your personal information, though we cannot guarantee complete security.
No Cost for Use
There is no charge to use the Site. topfinann.com may receive compensation from lenders or third parties for its services. We are not an agent of the lender or you.
Governing Law and Jurisdiction
topfinann.com is operated by Customer Acquisition LLC, based in Saint Kitts and Nevis. By using the Site, you agree to be governed by the laws of Saint Kitts and Nevis. Disputes will be resolved under these laws.
Arbitration Agreement
Disputes related to these terms or the Site will be resolved through binding arbitration in Clark County, Nevada. The prevailing party may be entitled to recover arbitration costs.
Terms Modification
topfinann.com may update these terms at any time. Continued use of the Site signifies acceptance of the revised terms.
Indemnification
You agree to indemnify topfinann.com against any damages arising from your use of the Site or breach of these terms.
Class Action Waiver
You agree not to participate in class action lawsuits or private attorney actions against topfinann.com or its partners.