Terms of Use

These Terms of Use ("Terms") govern your access to and use of the Instant Cash Advance - FinVP mobile application, website, and any related features or services (collectively, the "App"), which is operated by BI Finance VP LLC ("we," "us," or "our"). By accessing, downloading, or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the App.

The App is a technology platform designed to allow users to explore potential cash advance or loan options offered by independent third-party financial partners. BI Finance VP LLC does not issue loans, provide cash advances, or make credit decisions. All lending decisions, approval criteria, loan terms, and contractual obligations are determined solely by third-party lenders or financial service providers.

To access or use the App, you represent and warrant that you:

• Are at least eighteen (18) years of age, or the age of majority in your state of residence
• Are a lawful resident of the United States
• Have the legal capacity to enter into binding agreements
• Provide accurate, complete, and current information when requested
• Use the App solely for personal, lawful, and non-commercial purposes

You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted under your account. You agree to notify us immediately if you suspect unauthorized access, misuse, or security breaches related to your account.

3.1 Annual Percentage Rate (APR)

Annual Percentage Rates ("APR") represent the annualized cost of borrowing, including interest and applicable fees, as determined by third-party lenders. Loan or cash-advance offers presented through the App may carry APRs of up to thirty-five percent (35%), depending on:

• Your credit profile and credit history
• The loan or advance amount requested
• The selected repayment term
• Individual lender underwriting criteria
• Applicable federal, state, and local laws

All applicable APRs, fees, payment schedules, and total repayment amounts are fully disclosed to you before you accept any offer.

3.2 Repayment Terms

Repayment terms vary by lender and financial product. Typical repayment periods range from three (3) to twenty-four (24) months. Prior to acceptance, you will receive a clear and complete repayment schedule outlining:

• The total number of payments
• The amount of each payment
• The due dates for all scheduled payments

3.3 Payment Methods

Repayments are generally processed through electronic fund transfers, such as Automated Clearing House ("ACH") debits, from your designated bank account. Certain lenders may offer alternative payment methods. You are responsible for maintaining sufficient funds to avoid late fees, returned-payment charges, or other penalties imposed by the lender.

3.4 Fees and Charges

Any applicable fees, including but not limited to origination fees, late fees, returned-payment fees, or expedited processing fees, are disclosed in full before you accept an offer. There are no hidden charges imposed by BI Finance VP LLC.

3.5 Early Repayment

Some lenders may permit early repayment without penalties, which may reduce total interest costs. Early payoff terms are governed by the individual loan agreement provided by the lender and may vary by offer.

You agree to provide accurate, truthful, and complete information and to keep such information updated throughout your use of the App. You may not:

• Submit false, misleading, or incomplete information
• Share your account credentials with any third party
• Access or attempt to access another user's account
• Use the App for fraudulent, deceptive, or unlawful activities

We reserve the right to suspend or terminate accounts that we reasonably believe violate these Terms or pose a risk to the App, users, or third-party partners.

By using the App, you consent to receive electronic communications, including but not limited to:

• Email communications
• SMS or text messages
• In-app notifications and alerts
• Electronic agreements, disclosures, and notices

You acknowledge that electronic communications have the same legal effect as written paper documents. Certain legally required communications may not be subject to opt-out.

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

• Collect, use, and process your personal and financial information
• Share relevant information with participating lenders, service providers, and verification partners
• Use third-party services to verify identity, income, employment, and bank account information

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

The App is provided to users at no cost. BI Finance VP LLC may receive referral, marketing, or advertising compensation from third-party lenders or financial partners when users are connected through the App or obtain financial products. Such compensation does not affect the loan terms, interest rates, fees, or contractual obligations offered by lenders.

You agree to use the App only in compliance with applicable laws and these Terms. Prohibited activities include, but are not limited to:

• Violating any applicable laws or regulations
• Attempting unauthorized access to systems, accounts, or data
• Using automated scripts, bots, or scraping tools
• Introducing malware, viruses, or harmful code
• Copying, reverse-engineering, modifying, or distributing the App
• Sending unsolicited communications, spam, or promotional messages

Violations may result in immediate account termination and potential legal action.

We reserve the right to modify, suspend, or discontinue any part of the App at any time, with or without notice. Temporary interruptions may occur due to maintenance, updates, or technical issues. BI Finance VP LLC is not liable for service interruptions, feature changes, or discontinuation.

All content within the App, including text, graphics, logos, software, and data, is owned by BI Finance VP LLC or its licensors and is protected by applicable intellectual property laws. Users are granted a limited, non-exclusive, non-transferable license to access and use the App for personal, non-commercial purposes only. Unauthorized reproduction, distribution, modification, or commercial use is strictly prohibited.

The App and all related content are provided on an "as is" and "as available" basis. BI Finance VP LLC makes no representations or warranties regarding accuracy, completeness, reliability, or uninterrupted availability. To the fullest extent permitted by law, all express or implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement, are disclaimed. Use of the App is at your own risk.

To the maximum extent permitted by applicable law, BI Finance VP LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, profits, or other intangible losses. In no event shall our total liability exceed one hundred dollars ($100) per user. Some jurisdictions do not allow certain limitations, so these limits may not apply to all users.

You agree to indemnify, defend, and hold harmless BI Finance VP LLC and its officers, directors, employees, affiliates, and partners from any claims, damages, losses, liabilities, or expenses arising out of:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of applicable laws or third-party rights

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the App shall be resolved through binding, individual arbitration under the Federal Arbitration Act. Class actions and representative proceedings are not permitted. If arbitration is deemed unenforceable, disputes shall be resolved exclusively in state or federal courts located in Delaware.

We may suspend or terminate your access to the App at any time for violations of these Terms, suspected fraud, or conduct that may harm the App or other users. You may discontinue use of the App at any time by uninstalling it and, if applicable, closing your account. Provisions relating to liability, indemnification, disclaimers, and dispute resolution survive termination.

We may update these Terms periodically. Any changes will be reflected by a revised Effective Date and may be communicated via in-app notifications or email. Continued use of the App after updates constitutes acceptance of the revised Terms.

For questions, concerns, or legal inquiries regarding these Terms, please contact:

BI Finance VP LLC
455 N Clay Ave
Kirkwood, MO 63122-3905
Phone: (573) 367-5829
Email: [email protected]