Credit Authorization

1. Purpose of This Credit Authorization

This Credit Authorization (“Authorization”) authorizes MY P Finance LLC (“Company,” “we,” “us,” or “our”), operator of the Borrow Money Instantly: MyFima mobile application and related services (the “App”), to obtain, review, and use certain consumer reports, credit-related information, and other personal and financial data about you (“you” or “User”) in connection with your use of the App.

The App is not a direct lender. It is a loan-matching and financial services platform that connects users with independent third-party lenders and financial service providers. This Authorization is required in order to evaluate your request, match you with potential offers, and support related services made available through the App.

By clicking “I Agree,” “Submit,” “Continue,” or by otherwise using the App, you provide your express written consent to the terms of this Credit Authorization.

2. Authorization to Obtain Consumer Reports

You expressly authorize the Company and its third-party partners to obtain consumer reports, credit reports, and related information about you from one or more consumer reporting agencies, including but not limited to nationwide credit bureaus, specialty consumer reporting agencies, and alternative data providers.

Consumer reports may include, without limitation:

• Credit history and credit scores
• Payment history
• Open and closed accounts
• Public records (where legally permitted)
• Identity verification data
• Fraud prevention and risk indicators

This authorization applies to reports obtained:

• At the time you submit a request through the App
• During the evaluation and matching process
• Periodically thereafter for account maintenance, compliance, servicing, or verification purposes, to the extent permitted by law

3. Permissible Purpose Under Law

You acknowledge and agree that your authorization is provided for permissible purposes under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act (“FCRA”), the Fair and Accurate Credit Transactions Act (“FACTA”), and other applicable consumer protection statutes.

You understand that consumer reports may be used to:

• Verify your identity
• Assess eligibility for financial offers
• Match you with potential third-party lenders
• Evaluate risk and compliance
• Prevent fraud and unauthorized activity

4. Authorization to Share Information With Third Parties

You authorize the Company to share your personal information and consumer report information with third-party lenders, financial institutions, service providers, and partners that participate in the App’s loan-matching or related services.

Such third parties may use your information solely for lawful purposes, including evaluating whether to extend an offer, verifying information you provided, or complying with regulatory obligations.

You acknowledge that:

• Any loan offer is made solely by a third-party lender
• Loan terms, approval decisions, and credit requirements are determined exclusively by the lender
• The Company does not guarantee approval or specific terms

5. Scope of Information Covered

This Authorization applies to information you provide directly through the App and information obtained from third parties, including but not limited to:

• Full name, address, and contact information
• Date of birth and government-issued identifiers
• Employment and income information
• Banking or payment account details (where applicable)
• Credit and financial history

You represent that all information you provide is accurate, complete, and submitted by you or with your lawful authority.

6. Duration of Authorization

This Authorization will remain in effect for the duration of your relationship with the Company and for as long thereafter as permitted or required by applicable law.

You understand that revoking this Authorization may limit or prevent your ability to use the App, receive matches, or access related services.

7. Electronic Signature and Consent

You acknowledge that your electronic acceptance of this Authorization constitutes your legally binding signature. You agree that this Authorization may be executed electronically and that electronic records are valid, enforceable, and equivalent to paper documents.

You further consent to the use of electronic records in connection with this Authorization, consistent with applicable electronic signature and records laws.

8. No Obligation to Accept Offers

Granting this Authorization does not obligate you to accept any loan or financial offer. Likewise, submission of a request through the App does not guarantee that you will receive an offer or that any offer will meet your expectations.

You are encouraged to review all loan terms, disclosures, and agreements provided by any third-party lender before accepting an offer.

9. Accuracy and User Responsibility

You certify that:

• You are at least 18 years old (or the age of majority in your jurisdiction)
• You are providing information on your own behalf
• You have the legal authority to authorize access to your information

Providing false, misleading, or incomplete information may result in denial of service or termination of access to the App.

10. Contact Information

If you have questions regarding this Credit Authorization or your rights, you may contact:

MY P Finance LLC
807 W Seminole St
Springfield, MO 65807-2527
Phone: (573) 435-3737
Email: [email protected]

11. Acknowledgment

By using the App or submitting a request, you acknowledge that you have read, understood, and agree to this Credit Authorization in its entirety.