Consent for Electronic Signatures, Records, Disclosures, Communication
It is important that you read and understand the information herein prior to submitting any information on the website or starting do business electronically.
By giving your consent on the terms stated on the website and submitting your information via our online form, you agree that you have read this notice and understand how you can conduct transactions, communicate electronically andusethe service on the website, request to be matched with a lender and further cooperate with loan providers online. Once you are matched with a lender, you will need to give your consent (e-consent) to use e-signatures, accept electronic recording, disclosures and e-communication in order to be provided with the services and products you have expressed your interest in.
Hard Copies
You can request disclosures and other legal notices to be printed for the records at no charge. This request should be sent directly to the concerning lender (entities can keep hard copy legal documents according to the terms and provisions of the applicable law).
The Scopes of Consent
All communications, including but not limited to online interactions via mobile phone, smart phone, tablets are considered electronic interaction. E-consent is applied when e-communication, including by the means stated above, takes place between you and a third party lender. The admission of e-consent implies that your information may be collected and processed electronically, transactions may be performed electronically, and documents may be signed and stored electronically. Additionally, your lender may send you electronic notifications, such as reports, disclosures, links to the other third party websites, links to the other lender’s websites and online services.
Giving you e-consent you confirm that the e-communication mentioned above is considered of the same legal value as the communication by means of hard copy documentation.
NB: Conducting business electronically implies that the parties involved are capable of going through processing with sufficient hardware and software facilities. Before deciding to give your e-consent you should check if your facilities fit the requirements for the transactions and operations you will need to perform electronically. These are the basic software and hardware requirements:
Software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, e-mail account, Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®, PDF file reader like Adobe® Acrobat Reader X ® or Foxit® etc. Take into consideration that different transactions may require additional facilities. You may need to contact you lender to get specifications on the facilities you may need.
Withdrawing Consent
Since your e-consent from our matching service and the processing of your information by our lenders is a one-time transaction, you cannot withdraw it. From the moment you are already matched with a third-party lender you can withdraw your consent from this lender at any time at no charge by sending the respective request. You should keep in mind that withdrawing your e-consent you can prevent the lender from providing you with a loan offer or credit product. You should also keep in mind that the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected in case you request to withdraw your e-consent. You can contact your lender directly to find out more about the details of these procedures. It’s encouraged that if you change your information (electronic address, mailing address) you should notify your lender as soon as possible to have your information updated.
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Disclaimer
Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.
The owner and operator of Cybotex.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designedonly for amatching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presentedon the website for information purposes only. Cybotex.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. Cybotex.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. Cybotex.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.
APR Representative
APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since Cybotex.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, Cybotex.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant.
CybotexAdditional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with Cybotex.com and Cybotex.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.
Late Payment Implications
It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.
Non-payment Implications
Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.
Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.
Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.