Terms of Service

1) Overview

These Terms of Use ("Terms") govern your access to and use of the Instant Cash Advance – Crunchy mobile application, website, and related services (collectively, the "App"), operated by Crunchy Finance LLC ("we," "us," or "our"). By accessing or using the App, you agree to these Terms and our Privacy Policy. If you do not agree with these Terms, you must not use the App.

The App serves as a platform that allows users to explore potential loan or cash-advance options offered by third-party financial partners. Crunchy Finance LLC does not provide loans directly. All lending decisions, terms, and contractual agreements are determined solely by the third-party providers.

2) Eligibility

To use the App, you must meet the following requirements:

• Be at least 18 years old (or the age of majority in your state)
• Be a lawful resident of the United States
• Possess the legal capacity to enter into binding agreements
• Provide accurate, complete, and current information
• Use the App only for personal, lawful purposes

You are responsible for maintaining the security of your account credentials and any activity that occurs under your account. Notify us immediately if you suspect unauthorized access or misuse.

3) Loan Terms, APR & Repayment

3.1 APR Range

Annual Percentage Rates ("APR") represent the yearly cost of credit, including interest and applicable fees. Offers presented through the App may vary up to 35% APR, based on:

• Your credit history and profile
• The loan amount you request
• Chosen repayment term
• Lender underwriting guidelines
• Applicable state and federal laws

All APRs, fees, and total repayment amounts will be fully disclosed before you accept any offer.

3.2 Repayment Terms

Repayment schedules differ by lender and product. Typical terms range from 3 to 24 months. You will always receive a clear repayment plan that specifies:

• The total number of payments
• Individual payment amounts
• Due dates for each payment

3.3 Payment Methods

Payments are generally processed through electronic transfers (ACH debit) from your bank account. Other options may be available depending on the lender. Ensure sufficient funds are available to avoid late fees or returned-payment charges.

3.4 Fees & Charges

Any applicable fees—including origination fees, late fees, returned-payment fees, or expedited processing fees—will be disclosed prior to accepting any offer. All fees are fully transparent; there are no hidden costs.

3.5 Early Payoff

Many lenders allow early repayment without penalties, which may reduce overall interest costs. Review each loan agreement for the specific terms regarding early repayment.

4) Account Responsibilities

You are required to provide truthful and accurate information and maintain it throughout your use of the App. You may not:

• Submit false, misleading, or incomplete information
• Share your account credentials with others
• Access another person's account
• Engage in prohibited or fraudulent activities

We reserve the right to suspend or terminate accounts suspected of violating these Terms.

5) Electronic Communications

By using the App, you consent to receive electronic communications, including:

• Email notifications
• SMS or text messages
• In-app alerts
• Digital agreements and disclosures

These communications have the same legal effect as traditional paper documents. You may opt out of certain communications, but legally required notices may still be sent to you.

6) Data Accuracy & Authorization

By submitting information through the App, you authorize Crunchy Finance LLC to:

• Collect and process your personal and financial data
• Share relevant information with participating lenders and service providers
• Use third-party services to verify your identity, income, and bank accounts

Providing inaccurate, incomplete, or misleading information may result in denied requests, account suspension, or other legal consequences.

7) Fees & Compensation

The App is provided free of charge. Crunchy Finance LLC may receive referral, marketing, or other compensation from lenders or partners if you are connected through the App or obtain a financial product. Such compensation does not alter your terms or obligations with the lender.

8) Permitted & Prohibited Use

You agree to use the App lawfully. Prohibited activities include, but are not limited to:

• Violating applicable laws or regulations
• Attempting unauthorized access to systems, accounts, or data
• Using automated tools or scripts to extract data
• Uploading malware or harmful software
• Reverse-engineering, copying, or distributing the App
• Sending unsolicited communications or spam

Violation of these rules may result in immediate termination of your account and potential legal action.

9) Service Changes

We may modify, suspend, or remove App features at any time without prior notice. Maintenance, updates, or other changes may temporarily affect service availability. Crunchy Finance LLC is not liable for interruptions or modifications to the App.

10) Intellectual Property

All content within the App—including text, graphics, logos, software, and data—is owned by Crunchy Finance LLC or its licensors. Users are granted a limited, non-exclusive license for personal, non-commercial use. Unauthorized reproduction, distribution, or commercial use is strictly prohibited.

11) Disclaimers

The App and its content are provided "as is" and "as available." Crunchy Finance LLC does not guarantee accuracy, completeness, or uninterrupted access. All express or implied warranties, including merchantability, fitness for a particular purpose, or non-infringement, are disclaimed. Use of the App is at your own risk.

12) Limitation of Liability

To the fullest extent permitted by law, Crunchy Finance LLC and its affiliates are not liable for:

• Indirect, incidental, special, or consequential damages
• Loss of data, profits, or other intangible losses

Total liability is limited to $100 USD per user. Some state laws may not permit these limitations.

13) Indemnification

You agree to indemnify and hold harmless Crunchy Finance LLC, its officers, employees, and partners from claims, losses, or expenses arising from:

• Your use or misuse of the App
• Violations of these Terms
• Breaches of applicable law or third-party rights

14) Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware. Any disputes will be resolved by individual arbitration under the Federal Arbitration Act. Class actions are not permitted. If arbitration is unavailable, disputes shall be resolved in Delaware state or federal courts.

15) Termination

We may suspend or terminate your account for violations of these Terms, suspected fraudulent activity, or harmful behavior. You may cease using the App at any time by uninstalling it and, if applicable, closing your account. Certain provisions, including liability, indemnification, and dispute resolution, survive termination.

16) Changes to Terms

Crunchy Finance LLC may update these Terms periodically. The Effective Date will be revised accordingly, and significant changes may be communicated through in-app notices or email. Continued use of the App constitutes acceptance of the updated Terms.

17) Contact Information

For questions or concerns regarding these Terms, please contact:

Crunchy Finance LLC
Email: support@crunchyfinance.com