Terms & Conditons
GENERAL
Remember this is a short-term loan designed to help with your immediate cash needs. It will not solve your long-term needs and refinance will result in additional charges. tdcmarketingwebsite.com (“Lender”) encourages you to (1) borrow only what you need and can repay on your next payday, (2) refinance your loan only after you have reduced the principal as much as possible, and (3) shop the marketplace until you are convinced that you have found the best possible solution. You may choose to consult a consumer credit counseling service for other options.You expressly acknowledge and agree we may employ the use of autodialers or pre-recorded messages in its communications with you, including calls to your cell phone.
You acknowledge and agree payments must be received by Lender on or before the Payment Due Date.
Lender must initiate an ACH debit entry to your Bank Account for the scheduled payment the business day prior to the Payment Due Date in order for the funds to be received by Lender on the Payment Due Date.
If Lender receives a payment sent in the mail after the ACH debit entry has been processed, Lender will retain the payment received in the mail until the ACH debit entry has cleared your Bank Account.
ELECTRONIC AGREEMENT
By accepting the Terms and Conditions, you consent to electronic delivery of the Disclosures as described below and confirm that you have the software and computer equipment that satisfies the requirements above and that you will download or print the Disclosures you receive for your records.
CONSENT TO ELECTRONIC DISCLOSURE
By consenting to the electronic delivery of disclosures, you agree that we may, but are not obligated to, provide electronically any and all communications concerning our decision on your loan application, the terms of any loan we may extend to you, and our privacy policy (the “Disclosures”). These disclosures may include, in addition to other things, Disclosures pursuant to: the Equal Credit Opportunity Act and Regulation B; the Truth in Lending Act and Regulation Z; the Gramm-Leach-Bliley Act and Regulation P; and any other applicable federal, state, or local law, or regulation. Your consent applies only to this loan application and any resulting loan and does not apply to future loan applications you may submit.
To electronically receive, view, and save the Disclosures, you must have a personal computer equipped with Netscape 4.0, Microsoft Explorer 4.0 or AOL 5.0 or later version, and either a printer, a hard drive, or other storage device. You must also have a valid email address.
Prior to submission of your application, you may withdraw your consent to electronic disclosures by exiting the application website. You will not be able to submit your loan application if you withdraw your consent to electronic disclosures by exiting the application website. You will not be able to submit your loan application if you withdraw consent. In addition, because we are required to provide you with certain disclosures prior to making a loan to you, you cannot withdraw your consent after submission of your application.
You have the option to receive any information that we have provided electronically in paper form at no cost to you. To request a paper copy of any information we have provided electronically, please contact us by calling 678-355-1551, or write to us at: TranDotCom.com – Sales, 955 Cobb Place Blvd, Suite A, Kennesaw, GA 30144.
Please print out a copy of this consent to Electronic Disclosure and keep it for your records.
PRIVACY
This loan application shall be governed by the tdcmarketingwebsite.com Privacy Policy (link).
GOVERNING LAW
The transactions related to your loan shall be deemed to have taken place in the state of Utah, and the laws of the State of Utah shall apply to these transactions regardless of where you may be viewing or accessing this site.
APPLICATION VERIFICATION
You give Lender, and its service providers, consent to obtain information on you from a consumer reporting agency or other means available including, but not limited to CL Verify and FactorTrust. You agree to and authorize such a search. You understand that Lender may not fund your loan if it cannot successfully verify all of your application information.
AGREEMENT
You certify that the information supplied by you on this website to be true and correct. You authorize Lender, its representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website shall be sufficient reason for denial of your request.
NOTIFICATIONS
This
service and
website is an invitation to send us a loan application, not an offer to
make a loan. We are registered with Utah's Department of Financial
Institutions, 955 Cobb Place Blvd, Suite A, Kennesaw, GA 30144; (678)
355-1551. If you submit this
application via the internet to us, we will receive and process it the
same as if you submitted it to us in Utah, thereby making Utah the
place of negotiation, execution and performance of all applications
and/or agreements. We are registered and authorized to make deferred
deposit loans through our operation as a Utah-based lender. If we
approve your application, the funds will be disbursed from our account
in Utah. Our loans are governed by Utah law and you are subjecting
yourself to the laws of the State of Utah for purposes of any
application and/or agreement with us. If you do not want to enter into
a loan agreement subject to Utah law, please do not apply. This service
may or may not be available in your particular state.
REGULATION B under the Federal Truth In Lending Act
(T.I.L.A.) prohibits the consideration of Age, Sex, Race, Ethnicity,
Gender, National Origin or Handicap as a basis for making anyone a loan
(as in a cash advance or deferred deposit loan). TranDotCom, through
its website does not discriminate based on any of these factors. In
addition, TranDotCom, will not enter into or maintain vendor/reciprocal
information service type relationships with anyone who does not conform
to these anti-discriminatory practices.
REGULATION
Z under the Federal Truth In Lending Act (T.I.L.A.) requires
the full disclosure of all costs and terms associated with any credit
purchase or transaction (such as a cash advance or deferred deposit
loan) and further requires that the costs associated with the
transaction be expressed as an annual percentage rate of interest
("APR"). In the paragraph below captioned "Federal Truth In Lending
Disclosures" the terms and rates associated with the TranDotCom,
deferred deposit loan program are given. Our interest in the
authorization for ACH transactions You provide to Us under any
agreement between You and Us may be considered a security interest by
Us under Regulation Z, subject to applicable limitations under Utah Law.
Pursuant to Utah Law, the services provided in this Agreement are
considered a Deferred Presentment Loan (as defined therein), and as
such, all fees are defined accordingly. In the event this transaction
is within the broad scope of 15 U.S.C. §1601 et seq., We are providing
You with the Truth in Lending Disclosures solely for your own
information. This document is for disclosure purposes only and does not
affect the character of this transaction under Utah Law.
PURSUANT
TO UTAH CODE 7-23-103 SUBSECTION (4)(b), THIS DEFERRED DEPOSIT LOAN MAY
NOT BE ROLLED OVER BEYOND 12 WEEKS AFTER THE DAY ON WHICH THE DEFERRED
DEPOSIT LOAN IS EXECUTED.
UTAH
DISCLOSURES
1. WE ARE REGISTERED
OR
AUTHORIZED TO OFFER DEFERRED DEPOSIT LOANS THROUGH THE INTERNET OR
OTHER ELECTRONIC MEANS IN THE FOLLOWING STATES: UTAH
2. SHOULD YOU WISH TO MAKE A COMPLAINT ABOUT THIS
DEFERRED PRESENTMENT LOAN, YOU MAY CONTACT THE UTAH DEPARTMENT OF
FINANCIAL INSTITUTIONS AT TELEPHONE NUMBER (801) 538-8830.
3. PURSUANT TO UTAH CODE ANN. § 7-23-105(3)(a), A
PERSON RECEIVING A DEFERRED DEPOSIT LOAN MAY MAKE A PARTIAL PAYMENT IN
INCREMENTS OF AT LEAST $5 ON THE PRINCIPAL OWED ON THE DEFERRED DEPOSIT
LOAN WITHOUT INCURRING ADDITIONAL CHARGES ABOVE THE CHARGES PROVIDED IN
THIS CONTRACT.
4. PURSUANT TO UTAH CODE ANN. § 7-23-105(3)(b), YOU
HAVE THE RIGHT TO RESCIND THIS TRANSACTION BY 5 P.M. THE NEXT BUSINESS
DAY FOLLOWING THIS TRANSACTION.
5. PURSUANT TO UTAH CODE ANN. § 7-23-105(4)(b),
THIS LOAN MAY NOT BE ROLLED OVER UNLESS YOU REQUEST THE ROLLOVER OF
THIS LOAN.
6. PURSUANT TO UTAH CODE ANN. § 7-23-105(4)(c),
THIS LOAN MAY NOT BE ROLLED OVER IF THE ROLLOVER REQUIRES YOU TO PAY
THE AMOUNT OWED BY YOU UNDER THE LOAN IN WHOLE OR IN PART MORE THAN 12
WEEKS AFTER THE DAY ON WHICH THE LOAN IS EXECUTED.
7. THE NAME AND ADDRESS OF OUR DESIGNATED AGENT IN
THIS STATE, UPON WHOM SERVICE OF PROCESS MAY BE MADE, IS AS FOLLOWS:
[REGISTERED AGENT]
8. THE INTEREST RATE OR FEES CHARGED FOR THIS LOAN
ARE AS FOLLOWS: SEE FEDERAL TRUTH AND LENDING DISCLOSURES ABOVE.
JURISDICTION
This Agreement is executed and to be performed solely in the State of
Utah. This Agreement shall be subject to and construed in accordance
only with the provisions of the laws of the State of Utah. You agree
and acknowledge by completing this Agreement that this Agreement is to
be fully performed by You and Us in the State of Utah. You agree that
by entering into this Agreement you are voluntarily availing yourself
of the laws of the State of Utah and that your execution of this
Agreement is made as if You were physically present in the State of
Utah. All underwriting and lending activities associated with this loan
are performed in the State of Utah, and your loan will be funded, and
debits to your Account made, from our bank in the State of Utah.
You affirm and agree that the law of Utah shall be
applied in construing this agreement, except for the Arbitration
provisions, which shall be governed by the Federal Arbitration Act.
Further, if any provision(s) of the Arbitration Clause is/are found
invalid, You agree that all actions or proceedings arising directly or
indirectly, from this Agreement shall be litigated in such courts and
consent that valid service of process may be made by certified or
registered mail, to You at your address set forth in this Agreement or
as may otherwise designated by You to Us in writing (including by
electronic means), and service so made shall be complete two days after
delivery including, among others, the state and federal courts in and
for Salt Lake City, Utah.
You understand that tdcmarketingwebsite.com will retain this application whether or not it is approved.
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