Payday Loans in Stockton, CA - Get Cash in Your Account Today

Effective Date: January 1, 2024

1. Acceptance of Terms

By accessing or using LendWizz's services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

2. Service Description

LendWizz operates as a platform that connects borrowers with independent funding sources. We facilitate introductions but do not make lending decisions. Our service is free to consumers.

3. Loan Information

Loan amounts available through our network range from $100 to $5,000. Actual loan terms, including interest rates, fees, and repayment schedules, are determined by individual funding sources and will be disclosed to you before you accept any offer.

4. Eligibility Requirements

To use our services, you must:

• Be at least 18 years old
• Be a U.S. citizen or permanent resident
• Have a valid email address
• Have a regular source of income
• Provide accurate and truthful information

5. User Obligations

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Promptly update any information to keep it accurate
• Be responsible for all activities under your account
• Use the service only for lawful purposes

6. Privacy and Data Use

Your use of our service is also governed by our Privacy Policy. By using LendWizz, you consent to the collection and use of your information as described in our Privacy Policy.

7. No Guarantee of Approval

Submitting a request through LendWizz does not guarantee that you will be connected with a funding source or approved for financing. Approval is at the sole discretion of participating partners.

8. Independent Partners

LendWizz is not responsible for the actions, terms, or policies of independent funding sources. Once connected with a partner, your relationship is directly with them, and their terms and conditions will apply.

9. Intellectual Property

All content on the LendWizz website, including text, graphics, logos, and software, is the property of LendWizz or its licensors and is protected by copyright and other intellectual property laws.

10. Limitation of Liability

LendWizz shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.

11. Indemnification

You agree to indemnify and hold harmless LendWizz, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

12. Dispute Resolution

Any disputes arising out of or relating to these Terms of Use or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Modifications to Terms

LendWizz reserves the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the updated terms on our website.

14. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

15. Contact Information

If you have any questions about these Terms of Use, please contact us at:

LendWizz
2808 Country Club Blvd
Stockton, CA 95204
Phone: (209) 461-5461
Email: [email protected]

Effective Date: January 1, 2024

1. Introduction

LendWizz ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

2. Information We Collect

Personal Information

We collect information you provide directly to us, including:

• Name (first and last)
• Email address
• Phone number
• Loan amount requested
• Employment information
• Financial information as needed for connections

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address
• Browser type and version
• Device information
• Pages visited and time spent
• Referring website

3. How We Use Your Information

We use the information we collect to:

• Connect you with potential funding sources in our network
• Communicate with you about your request
• Improve our services and user experience
• Comply with legal obligations
• Prevent fraud and enhance security
• Send you marketing communications (with your consent)

4. Information Sharing and Disclosure

We may share your information with:

• Funding partners: To facilitate potential connections
• Service providers: Who help us operate our business
• Legal authorities: When required by law or to protect rights
• Business transfers: In connection with a merger or sale

We do NOT sell your personal information for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• 256-bit SSL encryption for data transmission
• Secure servers with restricted access
• Regular security audits and updates
• Employee training on data protection

6. Your Rights and Choices

California Residents (CCPA)

If you are a California resident, you have the right to:

• Know what personal information we collect, use, and share
• Request deletion of your personal information
• Opt-out of the sale of personal information (we do not sell)
• Non-discrimination for exercising your rights

All Users

You may:

• Access and update your information
• Opt-out of marketing communications
• Request information about our data practices

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Understand how you use our site
• Improve our services
• Provide targeted advertising

You can control cookies through your browser settings, but disabling them may affect site functionality.

8. Third-Party Links

Our website may contain links to other websites. We are not responsible for the privacy practices of these sites. We encourage you to read their privacy policies.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

10. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. You may request deletion of your information at any time.

11. International Users

Our services are intended for users in the United States. If you access our services from outside the U.S., your information will be transferred to and processed in the U.S.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the effective date.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Privacy Officer
LendWizz
2808 Country Club Blvd
Stockton, CA 95204
Phone: (209) 461-5461
Email: [email protected]

14. California Privacy Rights

California Civil Code Section 1798.83 permits users who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information above.