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1. What Kind of Information We Collect
We gather the following information from you, personally identifiable and non-personally identifiable information.
Personally identifiable information is the data that allows us to recognize you as an individual. You provide us with it when you sign up and start submitting a request. This information may include but is not limited to: your full name, date of birth, place of residence, phone and mobile phone number, driver’s license, social security number, relevant employment details, income, banking account, credit history, military status.
Non-personally identifiable information relates to the data that doesn’t reveal anything about your identity. This information is anonymous and may include but is not limited to IP address, Internet provider, browser, language, time of browsing session, clicks, links you followed, etc. Such data is collected through cookies, web beacons, and pixel tags.
Cookies are tiny pieces of data sent by a website you visited and stored on your computer. The terms web beacons and pixel tags are associated with small transparent graphic images that allow tracking website visitors’ behavior.
2. Why We Collect This Information
Collecting users’ details is necessary for business management, technical support improvement, and marketing research. We also need your private data to process your application and get you connected with one of our lenders.
3. How We Share Your Personally Identifiable Information
By providing your personally identifiable information, you allow us to process your application and connect you with a lender. That also means we have the right to share this information with a third party because a lender cannot approve your loan without knowing anything about you.
Lenders may verify your personal information by sending requests to national databases and credit reporting agencies. Such inquiries may affect your credit score. In addition, we may share some of your data with our affiliates, partners, and other accredited third parties for business management, security, advertising, marketing, consumer behavior research, and consumer support improvement.
We reserve the right to share your information with another company that has acquired our business, a part of it, or fused with us. In case such a situation occurs, we may inform you about these changes by email or with an announcement posted on our website. In addition, we may share your personally identifiable information if it is required by the law and necessary to proceed with a legal process or protect our rights.
4. How We Share Your Non-Personally Identifiable Information
By collecting and sharing your non-personally identifiable information with third parties, we improve our technical service, study the behavior of our customers, and gather web statistics important to the management of our business. Therefore, we may share it with other third parties for these purposes.
5. Links Provided by Third Parties
6. Marketing Practices
By accessing our website, you acknowledge that you know about our marketing practices and agree with them. You have nothing against receiving advertisements, newsletters, marketing messages, and other promotional materials from us.
Our third-party partners may also send you their marketing messages using all the contacts you’ve provided us with.
When you start using our website, you acknowledge that you are aware of our marketing practices and agree to receive such f messages from our third-party partners and us. If you don’t want to receive marketing messages from us, contact us by email. Nevertheless, if you want to opt out of third parties’ messages, you should contact them directly with this request.
Please note that we are not responsible for the marketing practices of third parties as we do not control them.
7. How We Protect Your Information
To keep your personal information secure, we use safeguards and advanced security systems that correspond to the US law requirements regarding this matter. Only authorized personnel can access your data. They may do so only for business purposes allowed by the current US legislation.
Despite our best efforts, we cannot guarantee the total safety of your data. Unfortunately, this is impossible because we cannot control law violators.
8. Notice for Foreigners
We render our services exclusively to employed residents of the United States. If you are a foreigner, don’t access our website.
9. Notice for Minors
We render our services exclusively to people over 18 years old. If you are a minor, don’t access our website.
As seen above, we do not deliberately collect data from children. However, if you are a parent or a legal guardian of a child that accessed our website, please, inform us about the incident using our contacts.
11. How You Can Contact Us
If there is something you would like to discuss with us, please, send us a message using our email firstname.lastname@example.org
Disclaimer: advancesos.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers, or agents of any lender. Participating lenders offer loans from $100 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and financial institution. Please contact your lender directly if you have any questions about your loan. Credit checks may be performed with the reporting credit bureaus: Experian, Equifax, and TransUnion. Submitting a request means authorizing the lenders to check your creditworthiness and personal details.
This service is not a solicitation for loan products and does not constitute a loan offer for products prohibited by state law. This service is void where prohibited.
State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products by their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states.
This website collects personal information and transfers it to its third-party partners.
The website contains links to third-party websites. Accessing them may result in a commission.
Please note that personal loans should not be treated as a financial cure-it-all. If you have major budget difficulties, consult specialists first.
Upholding fair and responsible lending practices has been our mission since we started advancesos.com. To keep our standards high and protect our customers, we provide all the users with relevant information about the industry and do the following:
We supply you with significant details about the current state of the loan industry, responsible lending, and the consequences of non-payment or late payments;
- We put them;
- We treat every customer with respect and are proud to establish a transparent relationship with our users;
- We do our best to provide high-quality service and support;
- We demand that our partners abide by Fair Lending practices.
We work only with those lenders who abide by the law and are legally authorized to lend money to consumers. We take every effort to build a network of only reliable partners to ensure that you, our customer, get the services of high quality and risk nothing.
Once you are connected with a financial provider, please check details on that lender so you can ask them questions if any occur.
It’s important to remember that every lender has its terms and conditions. For example, interest rates, repayments, late payments, missed payments, and loan renewals vary by lender. To know what to expect, contact your financial provider.
Impact on Credit Score
Information on your financial background is translated into a three-digit score that expresses your creditworthiness and predicts how likely you will handle the debt in the future. The higher your score, the more chances you will be approved for a loan with better terms. Things that may negatively affect your credit score are listed below:
- late payments;
- missed payments;
- hard credit check;
- loan renewal;
However, you can still get a loan if your credit is less than perfect.
We strongly recommend that you have a responsible attitude to borrowing and take a loan only when you can afford it. It is important to understand the consequences of making late payments. If you make a late payment, you’ll have to pay a fee. We do not possess information on the amount of the penalty. It only becomes available when a financial provider reaches you to finalize the loan process.
Always review all the documentation before signing the loan agreement to understand any potential fees that may result from late payment.
If you feel that you can’t repay on time, get in touch with your lender as soon as possible and warn them about your situation.
Please remember that a personal loan is a short-time solution and should not be seen as a tool to cope with major financial struggles.
Missing a Payment
We encourage borrowers to pay off their debt on time. Missing a payment may result in additional fees and collection activities which may negatively affect your credit score. Each lender has its policy regarding missed payments. We recommend that you thoroughly peruse your loan agreement as it contains all the important information about the lender’s policy towards missed payments.
If you cannot repay the loan on the due date, please contact your provider in advance to settle the issue.
Some financial providers offer the opportunity to roll your debt over if you cannot repay it on the due date. Note that renewing a loan is not free: you have to pay a fee to delay the repayment. The fee does not reduce the amount you owe, and the rollover payments have the same interest rate as the missed payment.
Types of Renewal Policies
- We work with a considerable number of lenders, and each of them has its renewal policy. Typically, they offer two types of renewals:
- Unlimited renewals. They allow you to renew your debt numerous times and are expensive decisions.
- Automatic and borrower-initiated renewals. They allow you to renew your debt but on a limited basis.
In extreme cases, when you have a delinquent payment and are reluctant to contact your lender to discuss the issue, they can resort to collection activities. Typically, they inform you about the intention to begin the collection procedure by phone, mail, or email. However, your lender may become a collection agency if you still avoid communication.
The collection practices of a particular lender are stated in the loan agreement. We encourage borrowers to read it carefully to be aware of the lender’s policy regarding the collection practices. For more information, please get in touch with your lender.
Our approach to marketing
Marketing practices are a vital part of business, allowing it to grow, promote its services, and stay in touch with the audience. They are carried out in several forms, such as the mailout of advertisements, newsletters, important notifications, news, and other promotional materials. To deliver all these communications, we may use the following tools:
- Email messages;
- Letters sent by post;
- Phone and cell phone calls;
- SMS texts;
Messages in any other media you specified while signing up.
Please note that we have the right to share some of your information with our third-party partners. As a result, our partners may also send you their promotional materials using the contacts you’ve provided us.
As soon as you start using advancesos.com, you acknowledge that you know our marketing practices and agree to receive messages from our third-party partners and us.
If you feel overwhelmed with correspondence, you can always use the option to unsubscribe from us.
However, we need to state that we are not liable for the messages our partners may send you and that you need to reach out to them if you have any questions regarding their marketing practices. You will also have to contact them if you want to unsubscribe from them
Rates & FeesClose
AdvanceSOS.com streamlines the loan process from start to finish, though we do not lend you money ourselves. Unfortunately, this also means we do not make any decisions on your request, we cannot influence the lender’s decision, and we are not privy to information regarding your fees, rates, APR, nonpayment rules, and renewal policy.
This website is an online service that works to connect borrowers like you with reliable lenders ready to satisfy your current financial needs.
All details, such as fees, rates, APR, nonpayment rules, and renewal policy, are specified in your loan agreement and depend on local regulations by state. On our part, we provide plenty of information that can help you better understand what a loan is, how it works, and how to use it wisely.
The service works for you for free. We do not bring you to accept the first available offer, allowing you to decline unsuitable options for as long as you are completely satisfied with all terms and conditions. Our activity has a simple goal: meeting our clients’ financial interests. That’s just how it has to be.
Once your request is approved, the lender will make you an offer, including the fees and APR, as well as the terms of repayment and loan renewal options, if any. We encourage you to read the agreement carefully, weigh all pros and cons, and be fully equipped with the necessary information to avoid an unpleasant financial situation.
Pay particular attention to nonpayments that may result in additional fees, a negative impact on your credit score, and even collection activities. If you have no funds to repay the debt on a due date, immediately contact your lender and discuss how to handle the situation.
Some lenders can offer to resort to loan renewal. However, remember that each lender has its renewal policy, so we recommend you peruse it before accepting the offer.
If you need more information on your loan agreement, please address all your questions directly to your lender. As far as we are concerned, we are ready to answer only those relevant questions to our service.
Disclosures described above are for information purposes only. Do not regard them as legal advice.
Our Terms and Conditions
1. Usage Restrictions
Foreigners and minors cannot use our platform,m and we do not deliberately collect any data from them. To access our website, you must be at least 18 years, have a steady source of income, and be a legal resident of the United States.
2. What Services We Render
The purpose of advancesos.com is to give you quick access to a network of trustworthy lenders. We are not lenders ourselves. We are a free-of-charge platform that allows you to submit a funding request and connect with a financial provider. We do not lend money, we do not participate in your communication with a lender, and we do not represent or promote the services of any particular lender. You are not obligated to use our website, submit your details, or agree to a loan offer from a third-party lender.
All the questions regarding your loan, agreement, fees, APR, and other conditions should be addressed to your lender as we are not involved in the lending process. We will not be liable for any damages, costs, or misunderstandings that may arise from the communication between you and your lender.
Note that some lenders may verify your personal information to see your eligibility. They may address national databases and credit reporting agencies with such requests. Some of these inquiries may affect your credit score.
3. Intellectual Property Rights
US copyright laws protect our website, logo, trademark, software, content, and other materials. We DO NOT delegate our intellectual property rights to you by giving you access to our website. Therefore, any reproduction, sale, copy, or other misuses of advancesos.com without our written permission violates our rights and will be treated as such.
4. Marketing Practices
The page for Marketing Practices explains our views on marketing and its principles. By accessing advancesos.com, you confirm that you agree to our practices and that our third-party partners and we may reach out to you via contacts you specified.
5. Links Provided by Third Parties
6. Dealing with Third Parties
You communicate and make deals with third parties of your own volition and risk, and we won’t be liable for these dealings and their outcomes.
7. Disclaimer of Warranties
8. Limitation of Liability
THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR ANY OTHER FORM OF LOSS OR DAMAGE, INCLUDING BUT NOT LIMITING THE LOSS OF PROFIT, DATA, OPPORTUNITIES, COSTS, PERSONAL INJURY/WRONGFUL DEATH, AND OTHER FORMS OF DAMAGE, THAT YOU MAY BE SUBJECT TO DUE TO THE USAGE OF THE SITE OR ANY CONTENT OR SERVICE PRESENTED BY THE SITE.
SOME JURISDICTIONS DO NOT RECOGNIZE OR ALLOW THE EXCLUSION OF CERTAIN SPECIFIC WARRANTIES, SUCH AS INCIDENTAL CONSEQUENTIAL DAMAGES. IN SUCH CASES, THE TOTAL LIABILITY OF THE COMPANY IN THE CASE OF SUCH LOSS OR DAMAGE RELATED TO THE USAGE OF THE SITE IS LIMITED TO THE EXTENT OF THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE.
E-Consent is an electronic signature of yours. By clicking links like “Submit,” “I Agree,” “E-Sign,” “Consent,” etc., you give your electronic signature. You also consent that you can communicate with third parties and us electronically.
10. Disputes Solving and Class Action Waiver
ALL DISPUTES THAT MAY ARISE BETWEEN YOU AND advancesos.com SHALL BE RESOLVED THROUGH ARBITRATION ONLY. BY ACCESSING advancesos.com, YOU ADMIT THAT YOU AGREE TO SOLVE ANY DISPUTE THROUGH ARBITRATION. YOU ALSO AGREE TO WAIVE YOUR RIGHTS TO REPRESENT YOURSELF INDIVIDUALLY OR THROUGH LEGAL COUNSEL IN COURT.
If you choose to use advancesos.com, you confirm that you agree to indemnify advancesos.com and its parental company with any subsidiaries and affiliates. You agree that we won’t be responsible for any damages, costs, and misunderstandings that may arise through your use of our website.
14. Modifications and Updates
We encourage you to read this information carefully and revisit this section once in a while, as we have the right to modify and update the present Terms as we see fit without prior notice. We may notify you by email or through an announcement posted on our website if some changes or updates occur.
15. Force Majeure Event
You agree and responsibility that we carry no responsibility for the damage, harm, events, or the consequences of the events, which happen beyond our control, including but not limited to the events of the failure of mechanical equipment or communication, malicious online activity, errors, unauthorized access to the Site, natural disasters, strikes, wars, and governmental restrictions.
16. Entire Agreement
We reserve our right to make amendments, delete, change, or modify any content of the website regarding which the agreement is made. If you continue to use the website, you automatically agree and accept these changes.
17. How You Can Contact Us
If there is something you would like to discuss with us, please, send us a message using our email email@example.com.