Terms of Use

Last Updated: June 2, 2025

Thank you for installing and using Payday Bridge, a mobile application and digital service offered by Payday Bridge Loan Services LLC (“Payday Bridge,” “we,” “our,” or “us”). These Terms of Use (“Terms”) set forth the legal agreement that governs your access to and use of the Payday Bridge mobile application (“App”). By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms as well as our Privacy Notice. If at any point you do not agree with any portion of these Terms, you must immediately stop using the App and uninstall it from your device.

1. What Payday Bridge Offers

Payday Bridge is a loan connection platform designed to help U.S.-based consumers discover lending options offered by independent, third-party lenders. Through the App, users can submit loan requests and potentially connect with lenders offering personal loans of up to $900. We do not fund loans directly, do not participate in credit decisions, and are not a financial institution. We do not guarantee loan offers, approval, or specific terms. All credit decisions, including approvals, rates, terms, and repayment plans, are made solely by the third-party lenders based on their independent underwriting standards. Payday Bridge facilitates the submission of loan requests and helps streamline the process of receiving offers from multiple lenders.

Loan Summary:

• APR Range: Between 3.99% and 35%, determined by lender criteria, applicant credit profile, and loan amount.
• Repayment Period: Ranges from 90 days to 24 months, based on individual lender policies.
• No Commitment: You are under no obligation to accept any loan offer presented to you.
• Example: A $200 loan at a 12.00% APR with a 6-month term results in monthly payments of approximately $34.41, totaling $206.46 over the life of the loan. These figures exclude any additional fees and are illustrative only. Actual loan terms vary by lender.

2. Who Can Use the App

The Payday Bridge App is intended solely for use by individuals who meet all of the following criteria: (a) you must be at least 18 years of age; (b) you must be a lawful resident of the United States; and (c) you must possess the legal capacity to enter into binding contracts. You are responsible for providing accurate, current, and truthful information when completing any part of the App, including loan request forms. Failure to meet eligibility requirements or providing false information may result in immediate termination of your access. Additionally, some features or services offered via the App may not be available in certain U.S. states due to legal restrictions or lender participation limitations.

3. Your Use of Payday Bridge

As a user of the App, you agree to conduct yourself lawfully and responsibly. Specifically, you agree to:

• Submit only accurate, complete, and truthful information throughout your use of the App.
• Promptly update any personal or contact information if it changes to maintain accuracy.
• Use the App strictly in accordance with all applicable laws, regulations, and these Terms.
• Not engage in or promote fraudulent, abusive, or malicious behavior or content.
• Respect and not interfere with security protocols, access controls, or data protections built into the App.

Any misuse of the App, including attempts to tamper with its functionality, distribute malware, or gain unauthorized access to its systems, is strictly prohibited and may result in termination of your access and legal action.

4. How Matching Works

When you complete and submit a loan request through the App, we collect the information you provide and transmit it to participating lenders within our network. Each lender uses their own underwriting standards and criteria to review your request. Payday Bridge does not influence the outcome, does not verify the final loan terms, and does not participate in any approval or rejection decisions. We do not endorse or guarantee any lender or offer. Once you are redirected to a lender’s website or contacted by a lender, your interactions are governed solely by that lender’s terms and privacy policies.

5. No Professional Advice

All content and information provided through the App is intended solely for general informational purposes. We do not provide legal, financial, investment, tax, or accounting advice, and none of the information in the App should be construed as such. If you require professional advice, please consult a qualified advisor, attorney, or financial planner. Payday Bridge disclaims any responsibility for decisions made by users based on information obtained via the App.

6. Outside Content and Links

The App may include links to external websites, third-party tools, or resources for your convenience. These are provided as a courtesy and do not signify endorsement or affiliation. We do not control and are not responsible for the content, privacy practices, or reliability of any third-party platforms. Your interactions with those services are governed by their own terms, and you assume all risks associated with accessing or using third-party content.

7. Your License

You are granted a limited, personal, revocable, non-transferable, non-sublicensable, and non-exclusive license to download and use the App solely for personal, non-commercial purposes in accordance with these Terms. This license strictly prohibits you from:

• Modifying, altering, or copying any part of the App or its content.
• Attempting to access the App using automated tools such as bots, scrapers, or scripts.
• Reverse engineering, decompiling, or disassembling any software component of the App.

Any unauthorized use of the App may result in immediate termination of this license and possible legal action.

8. Ownership Rights

All intellectual property rights in and to the App, including but not limited to trademarks, logos, text, graphics, software, and other proprietary materials, are owned or lawfully licensed by Payday Bridge Loan Services LLC. Unauthorized use, reproduction, or distribution of any content is strictly prohibited and may violate intellectual property laws. All rights not expressly granted to you are reserved by Payday Bridge Loan Services LLC.

9. No Guarantees

We strive to provide a secure and functional service but make no guarantees regarding the App’s availability, uptime, accuracy, or performance. The App and all related services are offered “as is” and “as available,” without any warranties, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement.

10. Limited Liability

To the maximum extent permitted by applicable law, Payday Bridge Loan Services LLC is not liable for any indirect, incidental, consequential, or punitive damages, including but not limited to loss of data, loss of income, or interruption of business arising out of or related to your use of the App, your interactions with third-party lenders, or reliance on any information presented via the App.

11. Your Responsibility to Us

You agree to indemnify, defend, and hold harmless Payday Bridge Loan Services LLC and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, or expenses (including legal fees) arising out of or relating to your use of the App, violation of these Terms, or infringement of any rights of third parties.

12. Updates and Termination

We reserve the right to update, modify, or discontinue the App, any features, or these Terms at any time without prior notice. Any changes will be effective immediately upon posting within the App. Your continued use of the App after such updates constitutes your acceptance of the revised Terms. Additionally, we reserve the right to suspend or terminate your access to the App at our sole discretion for any violation of these Terms or misuse of the service.

13. Legal Framework

These Terms are governed by and interpreted under the laws of the State of Delaware, without regard to conflict of law provisions. You agree that any disputes or claims arising from your use of the App will be resolved exclusively through binding arbitration conducted in accordance with the American Arbitration Association’s Consumer Arbitration Rules, held in Delaware. You expressly waive your right to a trial by jury and to participate in any class action lawsuits.

14. Invalid Clauses

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, the remaining provisions shall remain in full force and effect, and the invalid portion shall be interpreted in a way that most closely aligns with the original intent of the Terms.

15. Complete Agreement

These Terms, together with our Privacy Notice and any additional agreements or disclosures provided within the App, represent the full and complete understanding between you and Payday Bridge regarding your use of the App. They supersede all prior or contemporaneous agreements, understandings, and communications, whether written or oral.

16. Contact Details

If you have questions, concerns, or need assistance, you can contact us using the information below. We strive to respond to all inquiries within a reasonable time frame during business hours.

Payday Bridge Loan Services LLC
Email: info@paydaybridgeloanservices.pro
Customer Support Hours: Monday–Friday, 9:00 AM – 5:00 PM EST