Terms of Use

Overview

These Terms of Use (“Terms”) govern your access to and use of the Borrow Money Instantly: MyFima mobile application, related website, and associated services (collectively, the “App”), which is operated by MY P Finance LLC (“we,” “us,” or “our”). By downloading, accessing, or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the App.

The App functions as a platform that enables users to explore potential cash advance or loan options offered by independent third-party financial partners. MY P Finance LLC does not issue loans or cash advances and is not a lender. All lending decisions, loan terms, repayment obligations, and contractual relationships are determined exclusively by third-party providers.

Eligibility

To access or use the App, you must:

• Be at least 18 years of age or the age of majority in your state of residence
• Be a lawful resident of the United States
• Have the legal capacity to enter into binding agreements
• Provide information that is accurate, complete, and current
• Use the App solely for personal and lawful purposes

You are responsible for maintaining the confidentiality of your account credentials and for all activity conducted through your account. You agree to notify us immediately if you believe your account has been accessed without authorization.

Loan Terms, APR & Repayment

3.1 APR Range

Annual Percentage Rates (“APR”) represent the annualized cost of borrowing and may include interest and applicable fees. Loan offers displayed through the App may vary up to 35% APR depending on factors such as:

• Your credit profile and credit history
• The loan amount requested
• The selected repayment duration
• Individual lender underwriting standards
• Applicable federal and state laws

All applicable APRs, fees, and total repayment amounts are clearly disclosed prior to your acceptance of any offer.

3.2 Repayment Terms

Repayment terms vary depending on the lender and financial product. Typical repayment periods range from 3 to 24 months. Before accepting an offer, you will receive a detailed repayment schedule outlining:

• The total number of payments
• The amount of each payment
• The due dates for all payments

3.3 Payment Methods

Payments are generally processed through electronic bank transfers (ACH debits) from your designated bank account. Some lenders may offer alternative payment methods. You are responsible for ensuring sufficient funds are available to avoid late fees or returned-payment charges.

3.4 Fees & Charges

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

3.5 Early Payoff

Certain lenders may permit early repayment without penalties, which may reduce the total cost of borrowing. You should review each lender’s agreement to understand any early payoff provisions.

Account Responsibilities

You agree to provide truthful, accurate, and complete information and to keep your information up to date while using the App. You may not:

• Submit false, misleading, or incomplete information
• Share your account credentials with others
• Access or attempt to access another user’s account
• Engage in fraudulent, deceptive, or prohibited activities

We reserve the right to suspend or terminate accounts that appear to violate these Terms.

Electronic Communications

By using the App, you consent to receive electronic communications, including but not limited to:

• Email communications
• SMS or text messages
• In-app notifications
• Electronic agreements, disclosures, and notices

Electronic communications have the same legal effect as written documents. Certain communications may be legally required and cannot be opted out of.

Data Accuracy & Authorization

By submitting information through the App, you authorize MY P Finance LLC to:

• Collect, use, and process your personal and financial information
• Share relevant information with participating lenders and service providers
• Use third-party services to verify identity, income, and bank account information

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

Fees & Compensation

The App is provided at no cost to users. MY P Finance LLC may receive referral or marketing compensation from third-party lenders when users are connected through the App or obtain a financial product. Such compensation does not influence loan approval decisions, terms, or repayment obligations.

Permitted & Prohibited Use

You agree to use the App in compliance with all applicable laws and regulations. Prohibited conduct includes, but is not limited to:

• Violating any applicable laws or regulations
• Attempting unauthorized access to systems, accounts, or data
• Using automated tools, bots, or scripts to access or extract data
• Uploading malicious software, malware, or harmful code
• Copying, reverse-engineering, or distributing the App or its content
• Sending unsolicited messages or spam

Violations may result in immediate account termination and potential legal action.

Service Changes

We may modify, suspend, or discontinue any portion of the App at any time without prior notice. Scheduled maintenance or updates may temporarily impact availability. MY P Finance LLC is not responsible for interruptions or changes to App functionality.

Intellectual Property

All content within the App, including text, graphics, logos, software, and data, is owned by MY P Finance LLC or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes. Unauthorized use, reproduction, or distribution is strictly prohibited.

Disclaimers

The App and all content are provided on an “as is” and “as available” basis. MY P Finance LLC makes no warranties regarding accuracy, completeness, reliability, or uninterrupted access. All express or implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement, are disclaimed to the fullest extent permitted by law. Use of the App is at your own risk.

Limitation of Liability

To the maximum extent permitted by law, MY P Finance LLC shall not be liable for:

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

Our total liability to any user shall not exceed $100. Certain jurisdictions may not allow limitations of liability.

Indemnification

You agree to indemnify and hold harmless MY P Finance LLC, its officers, employees, affiliates, and partners from any claims, damages, losses, or expenses arising out of:

• Your use or misuse of the App
• Violations of these Terms
• Breaches of applicable law or third-party rights

Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware. Any disputes shall be resolved through individual binding arbitration under the Federal Arbitration Act. Class actions are not permitted. If arbitration is unavailable, disputes shall be resolved exclusively in Delaware state or federal courts.

Termination

We may suspend or terminate your access to the App at any time for violations of these Terms, suspected fraud, or harmful conduct. You may stop using the App by uninstalling it and closing your account, if applicable. Provisions related to liability, indemnification, and dispute resolution shall survive termination.

Changes to Terms

We may revise these Terms periodically. The Effective Date will be updated accordingly, and material changes may be communicated through in-app notifications or email. Continued use of the App after changes become effective constitutes acceptance of the revised Terms.

Contact Information

For questions or concerns regarding these Terms, please contact:

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