Terms of Use

1. Introduction

These Terms of Use ("Terms") are a binding agreement between you ("you," "your," or "User") and MAF Loans LLC ("MAF," "we," "us," or "our") governing your use of the MAF Finance mobile application, our website at mafloans.com, and related services (collectively, the "App" or "Services").

MAF operates a loan-matching and lead-generation platform. We are not a lender. We do not make credit decisions, set interest rates, extend credit, fund loans, or guarantee that you will receive any offer or approval.

Our core business model is to collect your personal and financial information, package it as a consumer lead, and sell that lead to third-party lenders, financial institutions, marketing partners, and other buyers who may contact you with product offers. By downloading, registering for, or using the App, you agree to these Terms, our Privacy Policy, and—specifically—to the collection, use, disclosure, and sale of your data as described in both documents.

2. Loan Terms: APR, Repayment, and Fees

The following describes typical terms you may encounter from lenders who receive your information through the App. MAF does not set these terms. Each lender discloses its own rates, fees, and repayment obligations before you accept an offer.

2a. APR Range

Offers presented through the App can vary widely. As an illustrative range, annual percentage rates (APRs) may fall between 5.99% and 35.99%, depending on creditworthiness, loan amount, term, lender underwriting, product type, and applicable state law. Short-term or payday-style products may carry higher effective APRs. The final APR is always disclosed by the lender before you accept any offer.

2b. Repayment Terms

Repayment periods commonly range from 3 months to 60 months, depending on the product and lender. For example, a $2,000 installment loan at 24% APR over 12 months may result in approximate monthly payments of $189. Your full repayment schedule is disclosed by the lender before acceptance.

2c. Payment Frequency and Methods

Payments may be due weekly, biweekly, semi-monthly, or monthly, as specified in the lender agreement. The typical payment method is ACH debit from the bank account you designate. You are responsible for maintaining sufficient funds on each due date. Returned or failed payments may incur NSF or returned-payment fees (for example, $15–$35 per returned item, depending on the lender and state law).

2d. Fees

Lenders may charge fees that can include, without limitation:

• Origination fee: often 1%–8% of the loan amount
• Late payment fee: for example, $15–$30 or 5% of the scheduled payment, whichever is less, subject to state caps
• NSF / returned payment fee: as disclosed in the lender agreement

All material fees should be disclosed before you accept an offer. MAF does not charge you a fee to download or use the App as a consumer.

2e. Early Repayment

Most lenders allow early payoff without a prepayment penalty, but policies vary. Confirm early-repayment terms in each lender's agreement before accepting an offer.

2f. Cost Disclosure

Before you accept any credit offer, you should receive a TILA-compliant disclosure showing the APR, finance charge, total of payments, payment schedule, and all applicable fees.

3. Eligibility and Requirements

To use the App, you represent and warrant that you:

• Are at least 18 years old (or the age of majority in your state of residence)
• Are a lawful resident of the United States
• Have legal capacity to enter binding contracts
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Have an active U.S. checking account
• Have a verifiable source of income
• Will use the App only for lawful, personal, non-commercial purposes

You agree to provide the following information accurately and completely when requested:

• Full legal name (first, middle, last)
• Date of birth
• Email address
• Phone number (mobile and/or home)
• Full residential address including street, city, state, and ZIP code
• Social Security Number (SSN)
• Driver's license number and issuing state
• Bank account number (full account number)
• Bank routing number
• Bank name and account type
• Employer name and employer phone number
• Employment status, job title, and income (monthly or annual gross)
• Source of income
• Purpose of the loan or cash advance request

5. What the App Does and Does Not Do

• We match consumers with potential lenders and marketers by selling lead data
• We do not issue loans, set rates, make approval decisions, or guarantee funding or terms
• Any credit agreement is solely between you and the lender; MAF is not a party to that agreement
• You must review each lender's terms, disclosures, and privacy policy before accepting any offer

6. Account Creation and Security

You must provide accurate information and keep it current. You are responsible for all activity under your account and for safeguarding your login credentials. Notify us immediately at [email protected] if you suspect unauthorized access. We may verify your identity and suspend or terminate accounts that we reasonably believe are fraudulent, misleading, or harmful.

7. Electronic Communications and E-Sign

You consent to receive communications electronically, including emails, SMS (including one-time passwords), push notifications, in-app messages, and disclosures from MAF and from partner lenders and marketers who receive your data.

Electronic signatures and records have the same legal effect as handwritten signatures under the federal E-SIGN Act and applicable state law, where permitted.

By authorizing the sale of your data under Section 4, you also consent to be contacted by buyers regarding financial and related products by phone and SMS, subject to your right to opt out of marketing as described in our Privacy Policy. This consent is a material term of these Terms.

To withdraw electronic consent, contact [email protected]. Withdrawal may limit or prevent use of certain App features.

8. Fees and Our Compensation

The App is free to download and use as a consumer. MAF earns revenue primarily 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), revenue share, referral fees, or similar arrangements.

These compensation arrangements may influence which partners receive your data, in what order, or how offers are ranked or displayed. This business model is disclosed in accordance with FTC guidance and CCPA/CPRA "sale" requirements. See our Privacy Policy for additional detail.

9. Permitted Use and Prohibited Activities

You may not:

• Use the App for unlawful, fraudulent, or misleading purposes
• Submit false, inaccurate, incomplete, or fabricated personal or financial information
• Interfere with the security or operation of the App or our systems
• Use bots, scrapers, or automated tools without our prior written consent
• Upload malware, viruses, or harmful code
• Reverse-engineer, decompile, or attempt to extract source code from the App
• Copy, reproduce, or distribute App content without permission
• Impersonate any person or entity or misrepresent your affiliation

10. Third-Party Sites and Providers

Lenders, marketers, and other buyers operate under their own terms and privacy policies. MAF is not responsible for third-party offers, rates, fees, approvals, denials, collection practices, or any use of your data after it is sold. You should review each recipient's policies before engaging with that party.

11. Intellectual Property

All App content, software, trademarks, logos, and technology are owned by MAF Loans LLC or our licensors and protected by intellectual property laws. We grant you a limited, personal, non-commercial, non-transferable, revocable license to use the App in accordance with these Terms.

12. User Feedback

If you submit suggestions, comments, or other feedback, you grant MAF a perpetual, worldwide, royalty-free, irrevocable license to use, reproduce, modify, and incorporate that feedback without restriction or compensation to you.

13. Disclaimers

THE APP AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, MAF LOANS LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED, ERROR-FREE, OR SECURE OPERATION. MAF IS NOT A LENDER AND DOES NOT GUARANTEE ANY OFFER, APPROVAL, FUNDING, OR SUITABILITY OF THIRD-PARTY PRODUCTS. WE MAKE NO REPRESENTATION REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF INFORMATION PROVIDED BY THIRD-PARTY BUYERS.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MAF LOANS LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, THE SALE OR TRANSFER OF YOUR DATA, OR THE CONDUCT OF ANY THIRD-PARTY BUYER—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 STATES DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE STATES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to indemnify, defend, and hold harmless MAF Loans LLC and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the App; (b) your violation of these Terms or applicable law; (c) your submission of false or misleading information; or (d) your infringement of any third-party rights.

16. Governing Law and Dispute Resolution

16a. Governing Law

These Terms are governed by the laws of the State of Missouri and applicable federal law, without regard to conflict-of-law rules that would apply another state's laws.

16b. Binding Arbitration

Except as stated below, any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved by binding individual arbitration under the Federal Arbitration Act and the applicable rules of the American Arbitration Association. The arbitrator may not consolidate claims or preside over any form of class or representative proceeding. You and MAF each waive the right to a jury trial and to participate in a class action.

16c. Informal Resolution

Before initiating arbitration, you agree to send a written notice describing the dispute to [email protected] and allow 30 days for informal resolution.

16d. Court Exceptions

Either party may seek injunctive or equitable relief in a court of competent jurisdiction in Missouri for intellectual property infringement or unauthorized use of the App.

17. Service Changes and Availability

We may modify, suspend, or discontinue any feature or the App itself at any time, with or without notice. We do not guarantee continuous availability.

18. Termination

We may suspend or terminate your access immediately for violation of these Terms, suspected fraud, or conduct we believe is harmful to MAF, users, or partners. Upon termination, provisions that by their nature should survive—including Sections 4 (to the extent of prior authorizations), 11, 13, 14, 15, and 16—shall survive.

19. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the Effective Date above and provide notice through the App, by email, or by posting a conspicuous notice on our website. Continued use after the effective date constitutes acceptance of the revised Terms.

20. Apple-Related Terms (iOS Users)

If you downloaded the App from the Apple App Store, the following additional terms apply:

• These Terms are between you and MAF Loans LLC only—not Apple Inc. ("Apple")
• Apple is not a party to these Terms and has no obligation to furnish maintenance or support for the App
• Apple is not responsible for product liability claims, regulatory compliance failures, or consumer protection claims relating to the App
• In the event of any third-party claim that the App infringes intellectual property rights, MAF—not Apple—is solely responsible for investigation, defense, settlement, and discharge of such claim
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you upon your acceptance
• Your use of the App must comply with the App Store Terms of Service and Apple's Media Services Terms and Usage Rules

21. Contact Us

MAF Loans LLC
1007 N Garth Ave, Columbia, MO 65203-4051
Missouri, United States
General inquiries: [email protected]
Privacy requests: [email protected]
Website: mafloans.com
Privacy Policy: mafloans.com/privacy