Terms of Use | FastCash

1. Introduction

These Terms of Use ("Terms") are a binding agreement between you and Fast Cash 4 Junkers LLC ("FastCash," "we," "us," or "our"). FastCash operates a loan-matching and lead-generation platform through the FastCash: Cash Advance & Loans mobile application and related online services we may offer (including pages at fastcash4junkers.com).

We are not a lender. We do not make credit decisions, set interest rates or fees, guarantee approval or funding, or originate loans. Our core business model is to collect your personal and financial information, package it into a consumer lead, and sell that lead to third-party lenders, financial institutions, marketing partners, and other buyers who may contact you with offers by phone, email, SMS, or other channels.

By downloading or using the App, visiting our website, or otherwise accessing our services, you agree to these Terms, our Privacy Policy (including how we sell personal information), and the express authorization in Section 4 to collect and sell your data as described.

2. Loan Terms: APR, Repayment, and Fees

2a. APR Range

Offers can vary substantially. Representative ranges may be from 5.99% APR to 35.99% APR, depending on creditworthiness, loan amount, term, lender underwriting, and applicable state law. Short-term or payday-style products may carry higher effective APRs; always review the lender's full disclosure. Final APR is disclosed by the lender before you accept an offer.

2b. Repayment Terms

Typical repayment terms range from 3 to 60 months. Example: a $2,000 installment loan at 24% APR over 12 months is approximately $189 per month. Full repayment schedules are disclosed by the lender before you accept an offer.

2c. Payment Frequency and Methods

Payments may be weekly, biweekly, semi-monthly, or monthly. Many lenders use ACH debit from your designated account. You are responsible for maintaining sufficient funds on due dates; returned-payment fees may apply (often in the $15-$35 range, subject to lender terms and state law).

2d. Fees

Potential fees may include origination fees (for example 1%–8% of loan amount), late payment fees (for example $15–$30 or 5% of the payment, whichever is less, subject to state law), and NSF or returned-payment fees. All fees must be fully disclosed by the lender before you accept an offer; there should be no hidden fees beyond what is disclosed and permitted by law.

2e. Early Repayment

Many lenders permit early payoff without penalty, but you must verify this in your lender agreement.

2f. Cost Disclosure

Before you accept any covered credit offer, you will receive TILA-compliant disclosures from the lender showing APR, finance charge, amount financed, total of payments, payment schedule, and all fees material to the transaction.

3. Eligibility and Requirements

To use the App, you must:

Be at least 18 years old (or the age of majority in your state of residence)
Be a lawful U.S. resident
Have legal capacity to enter binding contracts
Have a valid SSN or ITIN
Have an active U.S. checking account
Have a verifiable source of income
Use the App only for lawful personal, non-commercial purposes

You must provide the following information accurately and completely when requested: full legal name, date of birth, email, phone number, full residential address with ZIP code, SSN, driver's license number and issuing state, bank account number (full), bank routing number, bank name and account type, employer name and employer phone, employment status and income, source of income, and loan or cash-advance purpose.

4. Express Authorization to Collect and Sell Data

This section is important. In plain language: when you submit a request through FastCash, you are not only asking to see offers—you are authorizing us to package your information as a lead and sell that lead, including sensitive identifiers and financial fields, to third parties who may pay us for access to you.

By submitting an application or lead form through the App (or our online services), you expressly authorize Fast Cash 4 Junkers LLC to:

Collect all categories of data listed in Section 3 and in our Privacy Policy
Sell and transfer your personal and financial information—including SSN, driver's license number, full bank account number, routing number, employer phone, income, employment details, and loan purpose—to third-party lenders, financial institutions, marketing companies, data aggregators, and other buyers
Receive monetary compensation, per-lead fees, revenue share, referral fees, or other valuable consideration for the sale of your data
Allow buyers to contact you by phone, email, and SMS with offers for financial and other products, subject to your rights to opt out of marketing and to opt out of sale as described in our Privacy Policy
Share your data with identity verification, fraud prevention, and consumer-reporting services where permitted by law

You may opt out of future sales of personal information by emailing [email protected] with the subject line "Do Not Sell My Information" (or using any in-app controls we provide). Opting out does not retrieve or delete information already sold; third-party buyers retain and use that data under their own policies.

5. What the App Does and Does Not Do

FastCash matches users with potential lenders and other providers by selling consumer lead data. We do not issue loans, set rates or fees, make approval decisions, or guarantee that any offer will be made or funded.

Any loan or credit agreement is solely between you and the third-party lender or provider; FastCash is not a party to that contract. You should review each lender's terms of use, loan agreement, and privacy policy carefully before you accept an offer.

6. Account Creation and Security

You are responsible for truthful information, account credential security, and all account activity. Notify [email protected] immediately of unauthorized access. We may verify identity and suspend accounts for fraud, abuse, or policy violations.

7. Electronic Communications and E-SIGN Consent

You consent to receive electronic records and communications—including emails, SMS (including one-time passcodes), in-app notices, and legally required disclosures—from FastCash and from partner lenders, marketers, and service providers who receive your lead.

You agree that electronic signatures, taps, clicks, and checkboxes have the same legal effect as handwritten signatures under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN) and comparable state laws, where applicable.

Because we sell lead data, your authorization for buyers to contact you by phone and SMS regarding financial products is a material term of these Terms. You may withdraw electronic consent or request changes to communication preferences by contacting [email protected]; doing so may limit or prevent use of certain App features.

8. Fees and Our Compensation

The App is free for you to download and use as a consumer. FastCash earns revenue by selling consumer lead data to third parties. Compensation may take the form of per-lead fees, cost-per-lead (CPL), cost-per-acquisition (CPA), referral fees, revenue share, or other arrangements.

Those compensation arrangements may influence which partners receive your data, in what order, how offers are ranked or displayed, or how prominently certain partners appear. We describe the sale of personal information in our Privacy Policy in line with CCPA/CPRA expectations, and we strive to present our lead-generation model transparently consistent with FTC guidance on digital advertising and consumer disclosures.

9. Permitted Use and Prohibited Activities

You may not:

Use the App for unlawful, fraudulent, or misleading purposes
Submit false, inaccurate, or fabricated personal or financial information
Interfere with or disrupt the security or integrity of the App or our systems
Use bots, scrapers, or automated tools to access the App without our prior written permission
Upload malware, viruses, or harmful code
Reverse-engineer, decompile, or attempt to extract source code from the App except to the limited extent expressly permitted by applicable law
Copy, reproduce, or distribute App content, branding, or materials without authorization
Impersonate any person or entity, or misrepresent your affiliation with any person or entity

10. Third-Party Sites and Providers

Lenders, lead buyers, and marketers operate under their own terms, disclosures, and privacy policies. FastCash does not control and is not responsible for third-party offers, rates, fees, approvals, denials, funding timing, regulatory compliance of a lender's product, or post-sale use of your information.

You should review each recipient's terms and privacy policy before you engage further or accept an offer. Your relationship with a buyer after a sale is primarily governed by that party's documents and applicable law.

11. Intellectual Property

All App software, designs, content, trademarks, and related technology are owned by Fast Cash 4 Junkers LLC or its licensors. You receive a limited, revocable, non-transferable, personal, non-commercial license to use the App.

12. User Feedback

If you submit suggestions, comments, or other feedback, you grant Fast Cash 4 Junkers LLC a worldwide, irrevocable, royalty-free, sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and incorporate that feedback in any media, for any purpose, without restriction and without compensation or attribution to you.

13. DISCLAIMERS

THE APP AND ANY RELATED WEB OR MOBILE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAST CASH 4 JUNKERS LLC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT.

FAST CASH 4 JUNKERS LLC IS NOT A LENDER; LOAN OR CREDIT OFFERS ARE NOT GUARANTEED; AND WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, OR SUITABILITY OF ANY OFFER OR INFORMATION PRESENTED BY THIRD-PARTY BUYERS.

14. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAST CASH 4 JUNKERS LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, GOODWILL, OR DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, THE SALE OF YOUR LEAD DATA, OR THE CONDUCT OF THIRD-PARTY BUYERS OR LENDERS—EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY; IN THOSE CASES, THESE LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to indemnify and hold harmless Fast Cash 4 Junkers LLC and its affiliates from claims, losses, liabilities, and expenses (including reasonable attorney fees) arising from your misuse of the App, violation of law or these Terms, submission of inaccurate/fraudulent information, or infringement of third-party rights.

16. Governing Law and Dispute Resolution

16a. Governing Law: These Terms are governed by the laws of the State of Colorado and applicable federal law.

16b. Arbitration: Disputes are resolved by binding individual arbitration under the Federal Arbitration Act. Class, collective, and representative actions are waived. The arbitrator may not consolidate claims.

16c. Informal Resolution: Before arbitration, you must send a written dispute notice and allow a 30-day resolution period via [email protected].

16d. Court Exception: Claims for injunctive relief relating to intellectual property may be brought in courts located in Colorado.

17. Service Changes and Availability

App features, functionality, and availability may be modified, suspended, or discontinued at any time without notice.

18. Termination

We may suspend or terminate access for policy violations, fraud risk, or harmful conduct. Provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution survive termination.

19. Changes to These Terms

We may revise these Terms from time to time. When we do, we will update the Effective date shown at the top of this page and in Section 1 of the introductory materials above. If a change is material, we may also provide additional notice through the App (for example, a banner or required acknowledgment) or by email where we have your address.

Your continued use of the App after the Effective date of an update constitutes your acceptance of the revised Terms, except where a separate consent is required by law.

20. Apple-Related Terms (iOS Users)

If you access the App through the Apple App Store, you acknowledge that Apple Inc. ("Apple") is not a party to these Terms and that these Terms are solely between you and Fast Cash 4 Junkers LLC.

Apple has no obligation to furnish maintenance or support for the App. Apple is not responsible for product liability claims, regulatory compliance, or consumer-protection claims relating to the App. Fast Cash 4 Junkers LLC is solely responsible for addressing intellectual property claims alleging that the App infringes a third party's IP rights.

Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance of these Terms, have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

This agreement is between you and Fast Cash 4 Junkers LLC only, not Apple.
Apple is not responsible for support or maintenance of the App.
Apple is not responsible for product liability, legal compliance, or consumer claims related to the App.
Fast Cash 4 Junkers LLC is solely responsible for handling intellectual property infringement claims concerning the App.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them.
Your use must comply with Apple App Store Terms and Apple Media Services Usage Rules.

21. Contact Us

Fast Cash 4 Junkers LLC
1749 S Kearney St, Denver, CO 80224-2134

Email (support): [email protected]
Email (privacy / legal): [email protected]
Phone: request our current business telephone number and hours by emailing [email protected] with the subject "Phone contact request."
Website: fastcash4junkers.com
Privacy Policy: fastcash4junkers.com/privacy-center.html