These Terms were last revised on November, 2024.

This is a legal agreement between you the consumer and Cascadespringscredit.com. By accessing this website, and any sub-sites of this website (together the “Site”), and/or using any of the Services (as defined below) accessible though the Site, you become a user and agree to, and are bound by, the terms and conditions of this agreement and the CascadeSpringsCredit.com Privacy Policy (collectively, “Terms”) for as long as you continue to use the Site or Services. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS, DO NOT USE THE SITE OR THE SERVICES. Your use of, or participation in, certain Services may be subject to additional terms, and such terms will be either listed in the Terms or will be presented to you for your acceptance when you sign up to use such Services or purchase such CascadeSpringsCredit.com  matches qualified consumers with lending sources. Through a proprietary matching technology, CascadeSpringsCredit.com helps consumers be matched with specific lender(s) that offer the best opportunity for that consumer to receive a loan

Changes to these Terms

Please check these Terms periodically for changes because we reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.  Please see the beginning of the Terms to determine when the Terms were last revised.

Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks (whether registered or not), logos, sounds, artwork of any kind, and computer code (collectively, “Content”), including but not limited to the design, structure, coordination, selection, appearance, and arrangement of the Content, contained on the Site is owned by cascadespringscredit.com  and is protected by trade dress, copyright, trademark, and other property laws and unfair competition laws.  Any misuse of the Content will be at your peril and CascadeSpringsCredit.com will do all that is lawful to enforce and protect the Content.

Defined Terms

As used in these Terms, the following words shall have the following meanings. “CascadeSpringsCredit.com” includes , “we”, “us” and variations such as “our”. “Service” includes the products, services and software that you order, receive or access as part of the CascadeSpringsCredit.com service.

Use of Site and Service

As a user of the Site or a user registered to use any of the Services (a “Registered User”), you agree to the following:

Exclusive Use. Your account is to be used only by you. You may not authorize others to use your account, and you may not assign or otherwise transfer your account to any other person or entity. You acknowledge that CascadeSpringsCredit.com is not responsible for third-party access to your account that results from theft or misappropriation of your user name and passwords.

Information Submitted. You are solely responsible for, and assume all liability regarding (i) the information and content you provide through your use of the Site and any Services, (ii) the information and content you make available in any manner through the service, and (iii) your interaction with any and all third-parties. Any attempt to enter information to create a duplicate account will be rejected and your account will be put on hold.

Risk Assumption and Precautions: You assume all risk when using the Services, including but not limited to any risks associated with interactions and communications during your personal loan application process directly with CascadeSpringsCredit.com.

No Guarantees: CascadeSpringsCredit.com may not be able to provide loan approvals for every Registered User seeking to use its services. Further, CascadeSpringsCredit.com makes no guarantees regarding the approval of personal loan applications or the specific terms of any loan offered.

No False Information. You agree to provide accurate, true, current and complete information.

Legal Purpose. You agree to not use the Site or Services for any illegal purpose. You will only use the Site or Service in accordance with federal, state and local laws.

Business Purpose. You agree to use the Site or Services only for legitimate personal purposes related to obtaining a loan or related services. You may not use the Site or Services for purposes unrelated to obtaining information or making decisions about your personal finances or loan eligibility.

Proprietary Rights

Ownership of Proprietary Information. You hereby acknowledge and agree that CascadeSpringsCredit.com is the owner of all rights in and to the Site and Services. Federal, state, and local laws and regulations protect these proprietary rights. You are permitted to use the Site and Services only as expressly authorized by these Terms. You may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the Site or Services or technology.

No Use of Confidential Information. You will not post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Site or Services, without first obtaining the prior written consent of the owner of such proprietary rights.

License to Provide Content. By providing information or content to any account or public area of the Site or Service, you automatically grant, and you represent and warrant that you have the right to grant, to CascadeSpringsCredit.com  and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, we may create, test or implement new features or services on the Site in which you may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By your voluntary participation in such features or programs, you grant us the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.

User Information

Privacy Policy. For information about the collection and possible use of information and material provided by you, please visit CascadeSpringsCredit.com‘s  Privacy Policy located on the Site. By using the Site or the Services, you are consenting to the terms of CascadeSpringsCredit.com‘s  Privacy Policy.

Disclosure by Law. You acknowledge and agree that CascadeSpringsCredit.com may disclose information you provide if required to do so by law, at the request of a third-party, or if we, in our sole discretion, believe that disclosure is reasonable to (i) comply with the law, requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law); or (ii) protect or defend CascadeSpringsCredit.com‘s , or a third-party’s, rights or property.

Information Security.  We work hard to protect CascadeSpringsCredit.com  and our users from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. In particular:

We encrypt all of our services using 256 Bits SSL.

We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems.

We restrict access to personal information to CascadeSpringsCredit.com‘s  employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

Use of Anonymous Information for Research. By using the Site and/or Services, you agree to allow CascadeSpringsCredit.com to anonymously use the information from you and your experiences through the Services to continue CascadeSpringsCredit.com‘s  research into successful business practices and to improve the Services.

License Regarding Your Content. You retain all ownership interest in and to the content you provide to the Site or as part of your use of the Services. By submitting your personal information, you authorize CascadeSpringsCredit.com to use this information solely for the purposes of processing your loan application, servicing your account, and related administrative functions, in compliance with our Privacy Policy. This may include transmitting or distributing your information over secure networks and making necessary modifications to fulfill our obligations. CascadeSpringsCredit.com does not publish, transfer, or distribute your content for any unrelated purposes.

Links to Third-Party Websites and Dealings with Advertisers and Sponsors

The Site and Services may contain links to third-party websites, including, without limitation, advertisers or service providers not under the control of CascadeSpringsCredit.com. CascadeSpringsCredit.com is not responsible for the content, accuracy, or functionality of any linked site or any link within a linked site, nor for any changes or updates to such websites. These links are provided for your convenience, and their inclusion does not imply an endorsement or acceptance of responsibility by CascadeSpringsCredit.com for the content or use of such third-party websites. Any correspondence or business dealings you engage in with advertisers or third parties found on or through the Site or Services are solely between you and the relevant third party. CascadeSpringsCredit.com shall not be held responsible or liable for any loss or damage incurred as a result of these interactions or the presence of third-party links on the Site or Services. For more information on how we handle your personal information, please refer to our Privacy Policy.

Disclaimer of Warranty

No Warranties. THIS SECTION WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. CASCADESPRINGSCREDIT.COM  PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE SERVICES OR THE SITE (INCLUDING ALL INFORMATION CONTAINED THEREIN), INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. CASCADESPRINGSCREDIT.COM DOES NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE SECURE, UNINTERRUPTED, ALWAYS AVAILABLE, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. CASCADESPRINGSCREDIT.COM  DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, THE CONNECTIVITY AND AVAILABILITY OF THE SERVICES.

Third-Party Content. Opinions, advice, statements, offers, or other information or content made available through the Site or Services, but not directly by CascadeSpringsCredit.com, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. CASCADESPRINGSCREDIT.COM DOES NOT: (i) GUARANTEE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED ON THE SERVICES, OR (ii) ADOPT, ENDORSE OR ACCEPT RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY ANY PARTY OTHER THAN CASCADESPRINGSCREDIT.COM. UNDER NO CIRCUMSTANCES WILL CASCADESPRINGSCREDIT.COM  BE RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM ANYONE’S RELIANCE ON INFORMATION OR OTHER CONTENT POSTED ON THE SITE OR SERVICES, OR TRANSMITTED TO OR BY ANY USERS.

Site Updates and Changes. CascadeSpringsCredit.com may periodically implement updates, modifications, or changes to the Site’s design, layout, or functionality. Such updates are provided without any warranty of any kind and may be modified or discontinued at CascadeSpringsCredit.com’s sole discretion. The provisions of this Disclaimer of Warranty section apply with full force to such updates or changes.

Limitation of Liability

Incidental Damages and Aggregate Liability: IN NO EVENT WILL CASCADESPRINGSCREDIT.COM BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS, AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF CASCADESPRINGSCREDIT.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

No Liability for CascadeSpringsCredit.com Actions: TO THE MAXIMUM EXTENT PERMITTED BY LAW, CASCADESPRINGSCREDIT.COM WILL NOT BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANY OTHER PARTY IN CONNECTION WITH THE USE OF THE SERVICES.

Information Verification: CascadeSpringsCredit.com and its contractors may use various methods to verify information that users provide. However, no verification method is infallible, and you agree that CascadeSpringsCredit.com and its contractors will have no liability to you arising from any inaccuracies or errors in verification.

Indemnification

You agree to indemnify, defend and hold harmless CascadeSpringsCredit.com, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of (i) your use of or inability to use the Site or Services, (ii) any user postings made by you, (iii) your violation of any terms of these Terms or your violation of any rights of a third-party, or (iv) your violation of any applicable laws, rules or regulations. CascadeSpringsCredit.com reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with CascadeSpringsCredit.com  in asserting any available defenses.

Communication and Privacy

We may use your email address to send you messages notifying you of important changes to the Services or special offers. Further, we may contact you by telephone if you voluntarily provide us with your telephone number, in order to communicate with you regarding the Services. If you do not want to receive such email messages or telephone calls, please refer to our Privacy Policy to review your options. We may also utilize your information to provide to our 3rd party network of partners to provide relevant financial service offerings.

SMS Terms

By providing us with your mobile number and opting-in, you give CascadeSpringsCredit permission to send you account-related text messages, like payment reminders and notifications, and promotional messages, like special offers and discounts, in conjunction with the services you have requested. Message and data rates may apply. Message frequency will vary. To opt-out at any time, reply STOP to any message we send. For customer service, reply Help or call 1-800-668-9085 or email manager@cascadespringscredit.com.

Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.

Payment Options Disclosure

  1. Automatic Renewal
    Your loan will automatically renew on each due date, unless you notify us in advance that you’d like to pay off the balance in full or reduce your principal. Each renewal will incur a new finance fee. Your minimum payment will be split between reducing your principal balance and covering the finance fee for that period. This option provides continuous access to your loan while helping you manage payments over time.
  2. Principal Reduction
    You have the option to reduce your principal balance by paying the finance fee plus any additional amount you choose. By doing so, you’ll shorten the time it takes to pay off your loan. Please note, the finance fee will remain unchanged with each renewal, even if you make a principal reduction. To use this option, simply contact us 2-3 days before your loan is due.
  3. Pay in Full
    You can choose to pay off your loan in full, including the principal and the finance fee for the current period. If you’d like to pay off your loan early, please reach out to us 2-3 days before your due date to finalize the details.

Late Fee AND Non-Sufficient Fund Fee (NSF) Disclosure

Late Charge: If your payment is received three (3) days or more after the Payment Due Date, a late fee of $15.00 may be applied to your loan balance.
Additionally, if any payment is not honored or cannot be processed for any reason, such as insufficient funds in your bank account, an additional fee of $25.00 will apply.

Service Member Non-Eligibility Disclosure

Cascade Springs Credit does not offer loans to active duty service members, or their spouses or dependents, as defined under the Military Lending Act (MLA). This includes individuals who are serving on active duty under a call or order that lasts more than 30 days, or those who are serving on Active Guard or Reserve Duty. Dependents are defined as the spouse, any child under 18, or anyone who has received more than half of their financial support from the service member for the past 180 days.