Privacy Policies

Our company respects your privacy and is committed to protecting your personal information. However, please be aware that we do not respond to Do Not Track (DNT) signals or similar mechanisms. This means that our systems and applications may continue to collect information about your online activities as you navigate our website and use our services.

Our company does not sell your personal information to third parties; we are committed to maintaining the security of your personal information and do not engage in the sale of such information as defined under California law. If our practices change in the future and we decide to sell personal information, we will update this Privacy Policy and provide you with necessary disclosures and choices regarding your personal information.

Our website uses cookies and similar tracking technologies to enhance user experience and analyze website traffic. Cookies are small text files stored on your device that help us recognize you and remember your preferences. We may use both first-party cookies (set by our website) and third-party cookies (set by external websites or services). We may also allow third-party service providers to place cookies on your device to assist us with analytics and marketing. We do not control these third-party cookies, and their use is governed by the respective privacy policies of those third parties. You can manage your cookie preferences at any time. You can choose to accept or reject cookies through your browser settings. Most web browsers allow you to: (i) view and delete cookies; (ii) block cookies from specific sites; (iii) block all cookies; and (iv) set up alerts to notify you when cookies are being sent. For detailed instructions on how to manage cookies, visit your browser’s help section.

Your rights

Under the California Consumer Privacy Act. California residents have a right to:

• Know what categories of personal information is collected.
• Know the purpose for which personal information is collected.
• Request a copy of any personal information collected about you.
• Request that we delete certain personal information.
• Know what categories of personal information we share.
• Request that we not share your personal information. (Note: we do not sell personal information)
• Be free from discrimination for exercising your rights.

Categories of personal information collected

We collect the following categories of personal information and may have done so in the past 12 months:

• Identifying information such as a real name, alias, postal address, telephone number, email address, social security number, driver’s license numbers, internet protocol address, cookies, beacons, pixel tags, mobile ad identifiers, geo tag location, signature etc.
• Financial information such as; bank account numbers, debit card numbers, employment history, salary history, etc.
• Protected classifications such as race, color, national origin, age, sex, gender, and military and veteran status.
• Commercial information such as records of personal property, products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies.
• Online activity: internet and other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with websites, applications or advertisements.
• Communications: telephone, email, text, or regular mail communications relating to your account.
• Inferences: any inferences drawn from any of the information identified above to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
• We do not knowingly collect information about or from those under the age of eighteen.

Sources of personal information collected

This information may be collected from various sources including:

• Directly from you.
• From your devices when you visit our websites.
• Other individuals, such as authorized agents or family members.
• Inferred from information collected from you and the other sources listed above.
• Our affiliates, vendors and joint marketing partners.
• Social networks.
• Government entities and public records.
• Consumer data re-sellers.

Reasons we collect personal information

This information is collected for the following reasons:

• For regular business transactions such as: underwriting loan applications and processing your applications for loans or financial services; providing services to our customers; maintaining customer accounts and records; communicating with customers; responding to court orders, investigations and inquiries from investigatory agencies; collecting on accounts receivable; marketing our services etc.; for the regular business purposes of our affiliates so that they can support our operation and assist in determining creditworthiness.
• Detecting and securing against fraud, deception malicious and illegal activity.
• Identifying and repairing bugs in our system.
• Internal research for technological development.

Download the form to view instructions on how to request a copy of the personal information we have collected about you or a specific person:

Download Form

Download the form to view instructions on how to request deletion of personal information we have collected about you or a specific person:

Download Form

Personal information we share with others

NET PAY ADVANCE INC. DOES NOT SELL PERSONAL INFORMATION. We do however, share and discloses certain personal information. During the past 12 months, we may have disclosed the categories of Personal Data above below for business purposes and subject to the limitations applicable state and federal laws and regulations.

• Identifying information such as a real name, alias, postal address, telephone number, email address, social security number, driver’s license numbers, internet protocol address, cookies, beacons, pixel tags, mobile ad identifiers, geo tag location, signature etc.
• Financial information such as; bank account numbers, debit card numbers, employment history, salary history, etc.
• Protected classifications such as race, color, national origin, age, sex, gender, and military and veteran status.
• Commercial information such as records of personal property, products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies.
• Online activity: internet and other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with websites, applications or advertisements.
• Communications: telephone, email, text, or regular mail communications relating to your account.
• Inferences: any inferences drawn from any of the information identified above to create a profile about you reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
• We do not knowingly collect information about or from those under the age of eighteen.

With whom we share personal information

This information may be shared with certain categories of third parties including:

• Authorized agents or family members.
• Our affiliated contractors, and partnering businesses.
• Government entities as required by prevailing legal and regulatory authority.

Reasons we share personal information

This information is shared for the following reasons:

• For regular business transactions such as: underwriting loan applications and processing your applications for loans or financial services; providing services to our customers; maintaining customer accounts and records; communicating with customers; responding to court orders, investigations and inquiries from investigatory and regulatory agencies; collecting on accounts receivable; marketing our services etc.; for the regular business purposes of our affiliates so that they can support our operation and assist in determining creditworthiness.

Right to request that we not share or sell personal information

While NET PAY ADVANCE INC. DOES NOT SELL PERSONAL INFORMATION . pursuant to the California Consumer Protection Act, California Residents have a right to request that we not share, sell or transfer your personal information to others. However, there are some exceptions and limitations to this right. Specifically, we may be exempt from complying with a request to refrain from sharing, transferring or selling your information under the following circumstances:

1. When doing so is necessary to provide the financial service you have requested.
2. When doing so is necessary to process loan applications you may have submitted.
3. When doing so is necessary to detect security incidences, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
4. When doing so is necessary to comply with lawful orders from law enforcement, courts and government agencies.
5. When doing so is necessary for litigation purposes.
6. When doing so is necessary to complete the transaction for which the personal information was provided, to provide a good or service requested by the consumer, or reasonably anticipated within the context of a business’s ongoing business relationship with the consumer, or otherwise perform a contract between the business and the consumer.
7. To the extent that state law requiring compliance with a request not to share personal information is pre-empted by prevailing federal legislation a regulations such as the Gramm, Leach, Bliley Act.

Note: From time to time we share personal information with third party partners for the purpose of conducting business with you, processing any loan applications, and processing requests for services which you have submitted, Please be advised that any request that we DO NOT SELL YOUR INFORMATION may result in an inability to process any requests for financial services, or applications for loans and may result in the denial of any such requests or applications.

Download the form to view instructions on how to request that personal information not be sold or shared with others:

Download Form

Right to non-discrimination

If you chose to exercise any rights under the California Consumer Privacy Act, you will not be discriminated against and the same services and benefits may be obtained at the same price and rate with the same level of quality as those benefits and services obtained by those who chose not to exercise their rights under the California Consumer Privacy Act. However, if you do not allow us to share your data, or if you request that we delete your data, we may not be able to properly ascertain credit worthiness and therefore we may deny any application for a loan or other financial services.

Right to timely response to requests under the California Consumer Privacy Act

We will acknowledge receipt of any request made under the California Consumer Privacy Act within 10 days of its receipt. We will respond to verifiable consumer requests within 45 days of receipt. If we require more time, we will inform you of the reason and extension period in writing. If necessary, we may take a total of 90 days to completely respond to such requests.

This California Consumer Privacy Act Policy is applicable to Net Pay Advance Inc.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

Net Pay Advance, Inc. d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

NPATX, LLC d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

NPAKS, LLC d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

NPAMO, LLC d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

NPATN, LLC d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

NPAUT, LLC d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

NPALA, LLC d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these terms and conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

• Application completion assistance
• Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

• New products and services
• Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text “STOP” to 88571. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 88571. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to [email protected]

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them. T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

T-Mobile or carriers are not responsible or liable for delayed or undelivered messages.

NPASC, LLC d/b/a NetPayAdvance.com (which includes our successors, assigns, agents and service providers) (hereinafter collectively referred to as “us,” “we,” or “our”) want to provide you with Communications electronically. Certain laws and regulations require us to provide Communications to you “in writing,” which means you may be entitled to receive the information in paper format. The E-SIGN Act allows us to provide Communications to you electronically and to conduct transactions with you electronically, with your consent.

We may send to you by email or by posting on our website required legal notices, regulatory disclosures, and other Communications (collectively, “Communications”). Unless you notify us otherwise in writing, you consent to receive all Communications through electronic means only and acknowledge, confirm, and demonstrated that you can access the Communications. All Communications given to you by email to your email address or on our website are deemed to have been duly given and effective upon transmission or when posted.

You consent and agree to receive all Communications electronically through our website or by email under the terms of this Consent to Electronic Communications that in any way relate to any transaction or potential transaction. By consenting to the electronic delivery of Communications required to be provided to you in writing, you agree that we may provide electronically any and all Communications concerning, among other things, our decision on your application, the terms of any credit services or loans that may be provided to you, any arbitration provision you may be subject to, our privacy policies and notice, disclosures and Terms of Use on our website, any electronic payment authorization you give us, the status and history of any loans, any other disclosures under federal or state law, and any updates to previously listed agreements, policies, disclosures, authorizations, or other notices. You also agree (i) that Communications we send you electronically satisfy any legal Communication, notice, or disclosure requirements, including those that are required to be in writing; (ii) to accept the terms and risks of such use of electronic Communications, including, by way of example and not by way of limitation, Communications that may contain sensitive, confidential, and collections-related information; (iii) are responsible for ensuring that you have a current and operable email address on file for delivery of Communications; and (iv) to promptly update your contact information, including your email address, to ensure accuracy should any changes be necessary.

The Communications may include disclosures pursuant to: (1) the federal Equal Credit Opportunity Act and Regulation B; (2) the federal Fair Credit Reporting Act and Regulation V; (3) the federal Truth in Lending Act and Regulation Z; (4) the federal Electronic Funds Transfer Act and Regulation E; (5) the federal Gramm-Leach-Bliley Act and Regulation P; (6) the federal Telephone Consumer Protection Act; or (7) any other applicable federal, state, or local law or regulation. Your consent applies not only to your application and any resulting extension of credit but also to any payment plan or other ancillary agreement related to your extension of credit and to any other products or services that you obtain from us.

To electronically receive, view, save, or print the Communications, you must have: (1) a personal computer, mobile device, tablet, or similar device with Internet access; (2) a widely-used, recent-generation web browser (for example, Safari or Firefox); (3) a widely-used, recent-generation portable document file reader (for example, Adobe Reader); (4) an active email address; and (5) either a printer, hard drive, or other storage device. We may update these requirements as necessary to preserve the ability to receive electronic Communications. Should we provide you with updates to our system requirements and you do not withdraw your consent to receive Communications and transact with us electronically, you signify your acceptance of the change(s) and reaffirm your consent. You understand that the Communications may be sent to you by emails containing attachments in PDF format or HTML content or via links to documents on our website. You should make sure that any spam filter you use is set to allow receipt of messages from us.

If the information you have supplied us for contacting you electronically changes, please notify us of your new contact information by sending an email to [email protected]. By agreeing to this Consent to Electronic Communications, you represent that you have the hardware, software, and email address necessary to receive the Communications. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you provided to us.

Prior to submission of your application and execution of loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting our website. If you do this, you will not be able to do business with us electronically, we may terminate our relationship with you, you will remain responsible for any amounts that you owe us or that may come due under any agreements or accounts with us; and any other obligations you have under any agreements with us will remain in full force and effect. You may also withdraw your consent at any time after submitting your application by sending an email to us stating that you withdraw your consent to receipt of electronic disclosures to [email protected] or call 1-888-942-3320. Include your name and address in any such request. If you do this, you will not be able to do business with us on a going forward basis electronically, but this will not affect any Communications provided to you electronically prior to your withdrawal. You have the option to receive any Communications that we have provided electronically in paper form at no cost to you. To obtain a paper copy, please call us at 1-888-942-3320.

We will not send paper copies of any Communications; however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communications that you have authorized us to provide electronically.

We reserve the right, at our sole discretion, to discontinue the provision of electronic Communications, or to terminate or change the terms and conditions upon which electronic Communications are provided. We will provide you with notice of any such termination or change as required by law.