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Terms of Use

Effective Date: February 2, 2026

1. Overview

These Terms of Use ("Terms") govern your access to and use of the Cash Advance – UnScrewed mobile application, website, and related services (collectively, the "App"), operated by Screwed Up Credit 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, you must not use the App.

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

2. Eligibility

To use the App, you must:

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

You are responsible for keeping your account credentials secure and for all activity under your account. Notify us immediately if you suspect unauthorized access.

3. Loan Terms, APR & Repayment

3.1 APR Range

Annual Percentage Rates ("APR") reflect the yearly cost of borrowing, including interest and applicable fees. Offers displayed in the App may vary up to 35% APR based on:

  • Your credit profile and history
  • The loan amount requested
  • Selected repayment term
  • Lender underwriting criteria
  • Applicable state and federal laws

All APRs, fees, and total repayment amounts are fully disclosed before you accept an 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 showing:

  • Total number of payments
  • Amount of each payment
  • Due dates for all payments

3.3 Payment Methods

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

3.4 Fees & Charges

Any applicable fees — including origination, late, returned-payment, or expedited-processing fees — will be fully disclosed before you accept an offer. There are no hidden costs.

3.5 Early Payoff

Some lenders allow early repayment without penalties, potentially reducing total interest costs. Review each loan agreement for details on early payoff.

4. Account Responsibilities

You must provide accurate information and maintain it throughout your use of the App. You may not:

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

We may 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 paper documents. Certain notices may be legally required and cannot be opted out of.

6. Data Accuracy & Authorization

By submitting information, you authorize Screwed Up Credit 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 identity, income, and bank accounts

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

7. Fees & Compensation

The App is free to use. Screwed Up Credit LLC may receive referral or marketing compensation from lenders if you are connected through the App or obtain a financial product. Such compensation does not affect your loan terms or obligations.

8. Permitted & Prohibited Use

You agree to use the App lawfully. Prohibited activities include:

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

Violation may result in account termination and legal action.

9. Service Changes

We may modify, suspend, or remove App features without notice. Maintenance or updates may temporarily affect service availability. Screwed Up Credit LLC is not liable for interruptions or modifications.

10. Intellectual Property

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

11. Disclaimers

The App and content are provided "as is" and "as available." Screwed Up Credit 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 the App at your own risk.

12. Limitation of Liability

To the fullest extent permitted by law, Screwed Up Credit LLC is not liable for:

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

Total liability is limited to $100 per user. Some state laws may not allow such limits.

13. Indemnification

You agree to indemnify and hold harmless Screwed Up Credit 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 Delaware. Disputes will be resolved through individual arbitration under the Federal Arbitration Act. Class actions are not allowed. If arbitration is unavailable, disputes will be resolved in Delaware state or federal courts.

15. Termination

We may suspend or terminate your account for violations, suspected fraud, or harmful behavior. You may stop using the App by uninstalling it and, if applicable, closing your account. Provisions regarding liability, indemnification, and dispute resolution survive termination.

16. Changes to Terms

We may update these Terms periodically. The Effective Date will be revised, and significant changes may be communicated via in-app notices or email. Continued use constitutes acceptance of the updated Terms.

17. Contact Information

For questions regarding these Terms, contact:

Screwed Up Credit LLC
Email: [email protected]