Effective Date: February 1, 2024
Welcome to Ohio Payday Loans, a premier payday loan service provider operating within the jurisdiction of Ohio. By accessing our website and utilizing our services, you acknowledge and consent to the following terms and conditions (the “Terms”). These Terms form a binding legal agreement between you, the user, and Ohio Payday Loans. Please read them carefully.
1. Acceptance of Terms
By using our services, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.
2. Eligibility
To be eligible for a payday loan from Ohio Payday Loans, you must:
- Be a legal resident of Ohio.
- Be at least 18 years of age.
- Have a valid government-issued ID.
- Possess an active bank account.
- Demonstrate proof of income.
3. Service Description
Ohio Payday Loans provides short-term payday loans to eligible individuals facing temporary financial needs. Our services are intended to assist you in managing unexpected expenses or financial emergencies.
4. Account Registration and Security
To access certain features of our service, you may be required to create an account. You agree to provide accurate and complete information during the registration process and to keep this information up to date. You are responsible for safeguarding your account password and for all activities that occur under your account.
5. Use of Services
Your use of our services is subject to the following conditions:
- You may not use our services for any illegal or unauthorized purpose.
- You agree to comply with all local laws applicable to your use of our services.
- You may not use our services to engage in any activity that would constitute a civil or criminal offense or violate any law.
6. Loan Agreement
Any loan you obtain through our services will be subject to a separate loan agreement, which will detail the terms of your loan, including but not limited to, the loan amount, fees, interest rates, repayment schedule, and consequences of non-payment.
7. Intellectual Property
All content, trademarks, logos, and service marks displayed on our website are the property of Ohio Payday Loans or its licensors and are protected by Ohio and international copyright laws.
8. Disclaimer of Warranties
Our services are provided “as is” and “as available” without any warranties, express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
9. Limitation of Liability
Ohio Payday Loans shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.
10. Governing Law and Dispute Resolution
These Terms and your use of our services shall be governed by the laws of Ohio, excluding its conflicts of law rules. Any disputes arising under these Terms will be resolved in the state or federal courts located in Ohio.
11. Amendments to Terms
We reserve the right to amend these Terms at any time. We will notify you of any changes by posting the new Terms on our website. Your continued use of our services following any such changes constitutes your acceptance of the new Terms.
12. Contact Information
If you have any questions or concerns regarding these Terms, please contact us at [email protected].
By accessing and using the services of Ohio Payday Loans, you acknowledge that you have read, understood, and agreed to be bound by these Terms. We appreciate your choice to use Ohio Payday Loans for your payday loan needs in Ohio.