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Terms and Conditions

Last revised: [CONFIRM ADOPTION DATE]. The previously published version of these Terms carried a revision date of November 14, 2023.

1. About These Terms

These Terms of Use (the "Terms") set out the rules that apply when you use Cash in Reach, the website located at cashinreach.com (also referred to in these Terms as "cashinreach.com" or the "Website"). Throughout these Terms, "we" and "us" refer to Cash in Reach.

When you access or use the Website, you accept these Terms and agree to be bound by them, without limitation. If we change these Terms, continuing to use the Website after the change means you agree to the updated version. If at any point you do not accept the Terms in effect at that time, you should stop accessing and using the Website.

You are responsible for reviewing these Terms, and we encourage you to read them carefully each time you visit cashinreach.com or take part in any of the Website's services.

2. Who May Use the Website

By using cashinreach.com, you confirm that you are older than 18 and that you have the capacity to enter into a binding legal contract. The Website is not intended for consumers under the age of 18.

You agree that you will not use the Website for any unlawful purpose or for any purpose these Terms prohibit.

3. Our Role and How We Are Paid

cashinreach.com provides an infomediary service. Through that service, we will attempt to connect you with third-party lenders. We do not make any promise that a connection will occur.

We do not charge you a fee to use the Website or our services, and the Website is free to use.

You should know, however, that the owner of this Website has a financial connection to the providers of the goods and services referred to on the Website. The owner may be paid for each qualified sale or for each potential customer referral.

4. Submitting a Loan Request

Receiving an order confirmation from us does not mean your loan request has been accepted, and it is not a confirmation of any offer to fund.

cashinreach.com reserves the right, at any time, to accept or decline your loan request for any reason or for no reason. Before accepting a loan request, cashinreach.com may ask for additional verification or information.

The Website is not responsible for requests that cannot be funded, or for unsuccessful funding requests that result from an applicant not being eligible to qualify for funding.

5. Privacy

Our Privacy Policy is incorporated into these Terms, is subject to these Terms, and forms part of these Terms. You can read it here: Privacy Policy.

6. Third-Party Content and Links to Other Websites

From time to time, cashinreach.com may (i) link to other websites that we believe may be useful to you, and (ii) post material on the Website that third parties supply, including independent third-party lenders. In these Terms, both kinds of material are called "Third Party Content."

Third Party Content is outside the control of cashinreach.com. cashinreach.com does not make any claim or representation about, and does not accept responsibility for, any of the following:

  • The quality, content, nature, or reliability of Third Party Content.
  • Any services that can be reached by hyperlink from, or that are referred from, the Website.
  • Links contained within any Third Party Content.
  • Any review of, or any change or update to, a third-party website.
  • Third-party websites that link to the Website.

Opinions, advice, statements, services, offers, and any other information or content that third parties express or make available in Third Party Content belong to their respective authors or distributors, not to cashinreach.com. A link to a third-party website should not be treated as an endorsement or recommendation of that website or of any product or service offered there.

Once you leave the Website, these Terms no longer govern your use of any third-party website, including your lender's website. We encourage you to read the terms of use and privacy policy of any third-party website you visit.

7. Intellectual Property

All information, materials, images, photographs, articles, functions, text, and other content made available on the Website by or on behalf of cashinreach.com (together, "Website Content") is the sole property of cashinreach.com. The Website, all Website Content, and the way that content is selected and arranged are protected by the copyright and other intellectual property laws of the United States. cashinreach.com reserves all rights in and to the Website and the Website Content.

Unless otherwise indicated, the cashinreach.com name and all other trademarks, service marks, trade names, logos, and other source designations shown on the Website belong to cashinreach.com, its affiliates, or its licensors.

Without the prior, express written consent of cashinreach.com, you may not distribute, display, or disseminate any of these documents, pages, images, materials, or content. You also agree not to alter, adapt, or otherwise modify any part of the Website or the Website Content.

Nothing on the Website gives you any right or license under any trademark, copyright, or other intellectual property right. Any unauthorized use of the Website or the Website Content ends the permission or license granted in these Terms and may violate applicable copyright and intellectual property law.

8. Our Right to Restrict Use and Respond to Violations

cashinreach.com reserves the right, in its sole discretion, to restrict your use of the Website, any Website Content, or any third party's user content, in whole or in part, at any time, with or without notice, for any reason or for no reason.

If an account relating to the Website is used to engage in illegal activity or to violate these Terms, cashinreach.com reserves the right to terminate that account and to prevent your use of the Website. cashinreach.com may also, in its sole discretion, report actual or perceived violations of law to law enforcement or other appropriate authorities.

9. Following the Law

You agree to comply with all federal, state, and local laws, regulations, and rules that apply to your activities when you use the Website.

10. Indemnification

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS CASHINREACH.COM AND ITS AFFILIATES, LICENSORS, AND BUSINESS PARTNERS — INCLUDING, WITHOUT LIMITATION, CASHINREACH.COM'S SERVICE PROVIDERS, NETWORK OF LENDERS, AND BANKS — AND EACH OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND REPRESENTATIVES, FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES, AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, ARISING FROM ANY CLAIM, CAUSE OF ACTION, PROCEEDING, OR ALLEGATION THAT ARISES OUT OF OR RELATES TO: ANY VIOLATION OF THESE TERMS; OR THE USE OF THE WEBSITE, WEBSITE CONTENT, OR USER CONTENT (INCLUDING, BUT NOT LIMITED TO, INFRINGEMENT OF THIRD PARTIES' WORLDWIDE INTELLECTUAL PROPERTY RIGHTS, OR NEGLIGENT OR WRONGFUL CONDUCT) BY YOU OR BY ANY OTHER PERSON WHO ACCESSES THE WEBSITE ON YOUR BEHALF.

CASHINREACH.COM RESERVES THE RIGHT, AT ITS OWN EXPENSE, TO TAKE OVER THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER THAT YOU WOULD OTHERWISE BE REQUIRED TO DEFEND.

11. Disclaimer of Warranties

CASHINREACH.COM MAKES REASONABLE EFFORTS TO KEEP THE INFORMATION ON THIS WEBSITE ACCURATE, BUT IT CANNOT GUARANTEE THAT THE INFORMATION IS ACCURATE.

THE WEBSITE, THE WEBSITE CONTENT, AND USER CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT, OR ENJOYMENT.

WE DO NOT GUARANTEE THAT WEBSITE CONTENT OR USER CONTENT IS CURRENT, ACCURATE, OR COMPLETE, AND YOU SHOULD NOT RELY ON THE WEBSITE TO MAKE ANY DECISION OR TAKE ANY ACTION. WE DISCLAIM ANY WARRANTY THAT WEBSITE CONTENT OR USER CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE, AND ANY WARRANTY THAT THE WEBSITE IS FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE WITH CONTAMINATING OR DESTRUCTIVE PROPERTIES.

12. Limitation of Liability

UNDER NO CIRCUMSTANCES WILL CASHINREACH.COM, ITS AFFILIATES, ITS BUSINESS PARTNERS, OR ANY OTHER PARTY INVOLVED IN DEVELOPING, PRODUCING, OR DELIVERING THIS WEBSITE BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES, OR FOR ATTORNEY'S FEES, ARISING OUT OF A CONSUMER'S ACCESS TO OR USE OF THIS WEBSITE.

FOR ANY REASON, YOUR SOLE AND EXCLUSIVE REMEDY, AND CASHINREACH.COM'S SOLE AND EXCLUSIVE LIABILITY TO YOU, IS FOR YOU TO STOP ACCESSING OR USING THE WEBSITE.

THIS LIMITATION OF LIABILITY APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

13. Dispute Resolution by Arbitration; Class Action and Jury Trial Waiver

Please read this section carefully. It affects how disputes are resolved and includes a waiver of your right to a jury trial and to participate in class actions. You may opt out as described below.

13.1 Agreement to Arbitrate

If you have a dispute about any aspect of these Terms, the Website, or any of our services, you agree to submit that dispute for resolution by arbitration before the American Arbitration Association ("AAA"), in the county where you live, by filing a Demand for Arbitration.

The arbitrator will have exclusive authority to resolve any dispute, including any claim that all or any part of these Terms is unenforceable.

13.2 Companies That Contact You

You agree that this arbitration agreement covers any disputes you may have against any company that may contact you in connection with your use of the Website or our services, and that each such company is a third-party beneficiary of this arbitration agreement.

13.3 Individual Claims and Class Action Waiver

These Terms do not waive any of your rights and remedies to pursue a claim individually, and not as a class action, in binding arbitration as provided above. The provision preventing you from bringing, joining, or participating in class action lawsuits is an independent agreement.

13.4 Your Right to Opt Out

You may opt out of these dispute resolution provisions by giving written notice of your decision within thirty (30) days after the date you first register on the cashinreach.com Website.

13.5 Acknowledgment

YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.

14. Governing Law and Venue

These Terms, and the interpretation, performance, and enforcement of the rights and duties of you and cashinreach.com, are governed by the laws of the State of Nevada, without regard to any conflict-of-law or choice-of-law principle that would result in applying the laws of another jurisdiction to the parties' rights and duties.

You and cashinreach.com consent to the exclusive jurisdiction and venue of the federal and state courts located in Clark County, Nevada.

15. Changes to These Terms

cashinreach.com reserves the right to modify these Terms from time to time. If you use the Website after a modification, that use constitutes your acceptance of, and agreement to, the new or amended terms.

These Terms govern your current visit to the Website, not any future visit. Your next visit may be governed by different terms posted on this page, so you should review this page every time you visit the Website.

16. Severability and Section Headings

These Terms apply to the fullest extent permitted by law. If any provision is found to be unlawful, void, or unenforceable, that provision is treated as severable from these Terms, and the validity and enforceability of the remaining provisions are not affected.

The headings in these Terms are included for convenience only and do not affect how these Terms are drafted or interpreted.

17. No Waiver

If cashinreach.com does not enforce a provision of these Terms, that failure will not be treated as a waiver of that provision or of any future provision.

18. Use Outside the United States; Reservation of Rights

cashinreach.com does not represent that the Website is appropriate or available for use in locations outside the United States. In making the Website and its content available, cashinreach.com is not distributing to, or soliciting, any person to use the Website or its content in any jurisdiction where providing the Website is prohibited by law.

You affirmatively agree to obey all federal, state, and local laws, regulations, and rules that apply to your activities when you use the Website.

Any rights not expressly granted in these Terms are reserved to cashinreach.com.

19. Consent for Electronic Signatures, Records, and Disclosures

19.1 Why This Consent Is Needed

You are submitting a request to be connected with independent, third-party lenders (each a "Third Party"). To offer you services, these independent, third-party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This section explains your rights when you receive electronic disclosures, notices, and information.

By clicking on the link consenting to our terms, you acknowledge that you received this E-Consent and that you consent to conducting transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (together, "Disclosures").

19.2 Paper Copies

You may request a paper copy of any Disclosures by contacting the independent, third-party lenders directly. They will provide paper copies at no charge and will likely retain all Disclosures as applicable law requires.

19.3 What This Consent Covers

This E-Consent applies to all online interactions concerning you and the independent, third-party lenders, including interactions on any mobile device, such as smartphones and tablets. When you exercise this E-Consent, the Third Party may process your information and interact with you electronically during all online interactions. The Third Party may also send you electronic notices related to its interactions and transactions.

19.4 Before You Agree to Do Business Electronically

Before deciding to do business electronically with a third-party lender, you should consider whether you have the hardware and software capabilities described below.

19.5 Hardware and Software Requirements

To access and keep the Disclosures electronically, you may need the following:

  • A PC- or Mac-compatible computer, or another device that can access the internet.
  • Access to an email account.
  • Internet browser software that supports at least 128-bit encryption, such as Microsoft® Internet Explorer or Mozilla Firefox®.
  • A PDF file reader, such as Adobe®, to read some documents.
  • A printer or a long-term storage device, such as your computer's disk drive, to keep a copy of the Disclosures for future reference.

You may send any questions about these hardware and software requirements directly to the third-party lender.

19.6 Withdrawing Consent

Your E-Consent for our infomediary services, and for our Third Party's consideration of your request, cannot be withdrawn because it is a one-time transaction.

If you are connected with one or more independent, third-party lenders, you are free to withdraw your E-Consent with those lenders at any time and at no charge. Withdrawing this E-Consent does not affect the legal effectiveness, validity, or enforceability of electronic Disclosures provided before the withdrawal.

19.7 Keeping Your Contact Information Current

You should keep any independent, third-party lender you may be connected with informed of changes to your email address or mailing address. You may update that information by logging in to the Third Party's website or by sending the Third Party a written update by mail.

19.8 Your Consent

BY CLICKING THE LINK, YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY AND CONSENT TO THESE TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS AS DESCRIBED ABOVE. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH ANY THIRD PARTIES, INCLUDING INDEPENDENT THIRD PARTY LENDERS, ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

20. Authorization to Obtain a Credit Report and Credit Score and to Verify Your Information

You understand and agree that by participating in the services we offer, you are providing written instruction under the Fair Credit Reporting Act authorizing us, and the financial service providers with whom your request may be shared, to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency in order to determine your eligibility to receive services.

You understand that any inquiry we conduct will be a soft credit inquiry used to obtain the information described above, and that it will not have any impact on your credit score.

You also understand and agree that Providers may use third-party services to obtain information about you and to verify any information you provide, including, without limitation, your Social Security number, address, phone number, bank account information, and employment history.

You further understand that if you participate in a debt resolution program, creditors will continue to apply late fees, penalties, and interest to the debts you have enrolled in a relief program. You understand that participating in a debt relief program may adversely affect your credit score, but that the initial soft inquiry we conduct will be used only to determine your eligibility.

21. Questions About These Terms

If you have questions about these Terms, you can reach us through our Contact Us page or using the details below.

Website operator: Maple Documents, LLC

Registered address: 7901 4th St N, STE 300, St. Petersburg, FL 33702, USA

Phone: +1-786-605-6210

Email: support@mapledocuments.com