Marketing Practices

1. Purpose and Scope

This Marketing Practices Disclosure (“Disclosure”) explains how MY P Finance LLC (“we,” “us,” or “our”) conducts marketing, advertising, promotional, and referral activities in connection with the Borrow Money Instantly: MyFima mobile application, website, and related services (collectively, the “App”).

This Disclosure is intended to provide transparency regarding how users may receive marketing communications, how referrals and advertising relationships operate, and how marketing practices align with applicable consumer protection and privacy laws.

2. Nature of Marketing Communications

We may engage in marketing and promotional activities to inform users about:

• Features and functionality of the App
• Updates, enhancements, or changes to services
• Financial education content or general informational materials
• Third-party financial products or services that may be relevant to users

Marketing communications may be delivered through various channels, including but not limited to:

• Email messages
• SMS or text messages
• In-app notifications or banners
• Push notifications
• Website or App-based advertisements

All marketing communications are provided in accordance with applicable federal and state laws, including consumer protection and electronic communications regulations.

3. Consent and User Preferences

Where required by law, we obtain user consent before sending marketing communications. By creating an account, submitting information, or otherwise using the App, you may consent to receive certain marketing or informational messages.

You may opt out of marketing emails or promotional messages at any time by:

• Following unsubscribe instructions included in the communication
• Adjusting notification settings within the App, where available
• Contacting us directly using the contact information provided below

Opting out of marketing communications does not affect your ability to receive transactional, service-related, or legally required communications, which may include account notices, security alerts, disclosures, or policy updates.

4. Advertising and Referral Relationships

MY P Finance LLC operates the App as a loan-matching and financial information platform and does not provide loans directly.

We may maintain advertising, referral, or marketing relationships with third-party lenders, financial institutions, or service providers. In connection with these relationships:

• We may receive referral fees, lead-generation fees, or other marketing compensation
• Compensation may be based on user actions, such as submitting a request, connecting with a lender, or obtaining a financial product
• Compensation does not depend on loan approval, loan amount, APR, or repayment outcome

Referral or marketing compensation does not influence the terms, pricing, or conditions of any loan or financial product offered by third-party lenders.

5. No Guaranteed Approval or Results

Marketing materials, advertisements, or promotional content provided through the App do not guarantee:

• Loan approval
• Funding amounts
• Specific interest rates or APRs
• Repayment terms
• Availability of particular lenders or offers

All loan offers are subject to lender underwriting criteria, verification, and applicable law.

6. Accuracy and Presentation of Marketing Content

We strive to ensure that marketing content is accurate, clear, and not misleading. However:

• Marketing content may be general in nature and not tailored to individual financial circumstances
• Illustrative examples or promotional statements are not binding offers
• Final loan terms and disclosures are provided solely by third-party lenders prior to acceptance
• Users are responsible for reviewing all lender-provided agreements and disclosures carefully

7. Third-Party Advertising Content

The App may display or reference advertisements, offers, or content provided by third parties. Such content is subject to the third party’s own terms, conditions, and privacy practices.

MY P Finance LLC does not control and is not responsible for the accuracy, legality, or content of third-party advertisements or marketing materials.

8. Compliance With Consumer Protection Laws

Our marketing practices are designed to comply with applicable laws and regulations, including but not limited to:

• Federal Trade Commission (FTC) rules and guidance
• State unfair or deceptive acts or practices (UDAP) laws
• Electronic communications and advertising regulations

We do not knowingly engage in deceptive, unfair, or abusive marketing practices.

9. Limitation of Responsibility

MY P Finance LLC is not responsible for decisions made by third-party lenders, including loan approvals, denials, pricing, or repayment terms, even where users are introduced to such lenders through marketing or referral activities.

10. Changes to Marketing Practices

We may update or modify our marketing practices from time to time. Changes will be reflected in updates to this Disclosure, and the Effective Date will be revised accordingly. Material changes may be communicated through the App or other legally permitted means.

11. Contact Information

For questions or concerns regarding this Marketing Practices Disclosure, please contact:

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