Terms of Use

Following your use of Cash Advance - Instant Loan, from download to departure · October 25, 2025

These Terms govern your use of Cash Advance - Instant Loan (the “App”), operated by GDL FINANCE d.o.o.. We present them in the order you will meet them. By downloading, opening, or using the App you agree to them and to the Privacy Policy; if you do not agree, you should not use the App.

Stage 1 — Before you download

Who we are, and who we are not

We provide software. We are not a lender, credit broker, creditor, or servicer, and we do not decide, price, fund, or collect any loan. The App exists to carry your request to independent third-party lenders and lending-service providers (“providers”) who may consider it.

Who can use it

Only people who live in the United States, are at least 18, and can enter into binding contracts. By installing the App you confirm that you meet these conditions. The App is not intended for use abroad, and some financial products are restricted in certain states.

What it costs

We charge nothing for submitting a request. If your app store charges a price for downloading the App, that transaction takes place between you and the store, which applies its own payment and refund rules.

Stage 2 — When you start using the App

What you may and may not do

You receive a limited, revocable, non-exclusive, non-transferable license to use the App for personal, lawful purposes. The App and its content remain the property of GDL FINANCE d.o.o. and its licensors. You may not impersonate anyone, interfere with or try to break into the App or its networks, violate laws or others’ rights through it, or copy, modify, distribute, or reverse engineer it.

Permissions from your device

Your phone or tablet may ask you to approve certain permissions. You can manage them in your device settings, though some features may not work without them. Platform rules from your app store or device maker may apply to you in addition to these Terms.

Stage 3 — When you submit a request

Your information

You may be asked for personal and financial details. Please make sure they are accurate, complete, and current. By submitting, you authorize us to handle and send that information to providers as described in the Privacy Policy. We may reject or suspend a request that appears false, misleading, unauthorized, or unlawful.

Your contact preferences

You may choose to be contacted by us, our partners, or providers by phone (including autodialed or prerecorded calls), text, or email about your request. That choice is optional where the law prohibits making it a condition of use, and you can reverse it whenever you wish by replying STOP, unsubscribing, or contacting the sender. Message and data rates may apply.

What the numbers may look like

Providers generally work within repayment periods of 61 days to 60 months and APRs of 5.94% to 35.99%. APR is the annual cost of credit and may include interest and certain fees.

Real offers may differ widely depending on your credit profile, income, amount, term, state law, and provider criteria. Missed or late payments may bring fees or a higher overall cost under the provider’s terms.

Stage 4 — After your request is sent

What providers do

Providers may review your request in real time. This can involve identity verification, fraud screening, consulting databases or verification services, and soft or hard credit inquiries where the law permits and their disclosures explain. Providers decide independently; we have no role in approval, denial, funding, servicing, or collection.

If you are sent to a provider

You may be redirected to a provider’s website or app. From then on, the provider’s offer, agreement, disclosures, and communications are what matter, and you should read them carefully. We do not guarantee any match, offer, or outcome, and we do not promise that an offer is the best one available.

What happens to your data next

We protect information in our control with reasonable safeguards, although no method of transmission or storage is completely secure. Once a provider has received your information at your request, it controls its own use, communications, and retention of it. We are not responsible for those, or for ads and offers sent by providers or other third parties, to the extent the law allows. Links to third-party sites are offered for convenience only, and we do not control them.

Stage 5 — If things change or go wrong

Changes to the App or these Terms

We may update, restrict, or discontinue features, disclosures, or the App itself, for example for security, legal, privacy, fraud-prevention, operational, or platform reasons. New Terms take effect when posted in the App, unless a later date is stated. Continuing to use the App means you accept them. We are not responsible for delays or failures caused by user errors, third-party outages, network or device problems, or other events beyond our reasonable control.

Disclaimers and limits

The App is provided “as is” and “as available,” and we disclaim all warranties to the fullest extent permitted by law, including merchantability, fitness for a particular purpose, and non-infringement. To the extent permitted by law, GDL FINANCE d.o.o. and its affiliates, personnel, licensors, and service providers are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost data, profits, or opportunities, or damages from provider decisions. Our total liability will not exceed the greater of what you paid us in the previous six months or US $100. These limits do not apply to the extent the law does not allow them.

Resolving a disagreement

Contact [email protected] first and describe the problem; we will try to resolve it informally for thirty (30) days. If it remains unresolved, either party may use small-claims court (if eligible) or individual arbitration, unless the law prohibits arbitration or requires another forum. Arbitration takes place on an individual basis only, without class, consolidated, or representative proceedings, remotely or in a reasonably convenient location, and jury trial is waived to the extent permitted. Courts may still be asked for urgent equitable relief. If any part of this paragraph is unenforceable, the rest remains in effect.

Stage 6 — If you leave

You may stop using the App at any time by deleting it. We may also suspend or end your access if we reasonably believe you have breached these Terms, created legal or technical risk, or harmed others. Provisions that by nature should survive, such as ownership, disclaimers, liability limits, and dispute resolution, remain effective afterward.

The final page

Governing law: U.S. federal law and the laws of California, except where non-waivable consumer protections apply. Entire agreement: these Terms, the Privacy Policy, and any in-app disclosures the law requires replace earlier understandings; if any provision is invalid, the others continue. Platforms: app stores, operating-system providers, device makers, and carriers are not parties to these Terms and are not responsible for the App or its loan disclosures unless the law provides otherwise.