This advertisement is an invitation to send us a deferred presentment application, not an offer to provide you a deferred presentment. We are a Nevada based company. If you send a deferred presentment application to us, we will receive and process it in the State of Nevada the same as if you submitted it to us in person at our office. We only make deferred presentments at our office in the State of Nevada. If we approve your application, the funds will be disbursed from our account in the State of Nevada. Our deferred presentments are governed by laws of the State of Nevada. The laws of the State of Nevada governing consumer deferred presentment agreements may differ from the laws of the state where you reside. If you do not want to enter into a deferred presentment agreement subject to the laws of the State of Nevada, you should apply for a deferred presentment at a provider located in the state where you live. This service does not constitute an offer or solicitation for short-term loan. The states this site services may change from time to time without notice. All aspects and transactions on this site will be deemed to have taken place in our office in the State of Nevada, regardless of where you may be viewing or accessing this site.
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A cash advance is intended as a short-term cash flow tool. It is not designed as a solution for longer-term financial problems.
Terms and Conditions
In this Deferred Presentment Agreement ("Agreement"), the words "you or your" mean the customer identified on front of agreement. The words "Us", "We", and "Our" mean 24LoanStore Inc.
As set forth herein, you accept the terms and conditions as outlined in this Agreement by authorizing us to ACH your account in the State of Nevada. This Agreement is confirmation of our agreement including the terms, which were available to you in writing at our office, on our website located at www.24loanstore.com and verbally from one of our operators prior to the completion of the transaction.
This transaction shall be governed in accordance with the laws of the State of Nevada without regard to its conflicts of law principles, regardless of the order in which the parties agree.
The Agreement shall be deemed executed at our place of business in Nevada as designated herein. Your acceptance of our service after the period of expiration of the options in paragraph 5 confirms your prior acceptance of this Agreement and to jurisdiction located within the State of Nevada. Further, if any provision(s) of the Arbitration Clause is/are found invalid, you agree that all actions or proceedings arising directly or indirectly, from this Agreement shall be litigated in such courts and consent that valid service of process may be made by certified or registered mail, to you at your address set forth herein or as may otherwise be designated hereafter by you in writing, and service so made shall be complete two days after delivery as aforesaid. You and we agree that each party in any such action is to bear its own attorneys fees, costs and expenses of such litigation regardless of whether such fees and costs are provided for under any applicable law or statute. The codes, statutes and laws of the State of Nevada govern this entire transaction.
Acceptance of this Agreement by us is deemed to have taken place in the State of Nevada. The parties agree to have any conflict about this Agreement between the parties resolved in the State of Nevada as outlined herein.
4. Electronic Presentment of Funds
You agree to the electronic presentation by us of any funds owed and to the re-presentation of any presentations that are returned to us for any reason. Such electronic re-presentation may be for less than the original amount owed us or in any increments totaling the amount due including the maximum permissible non-sufficient funds fees charged by us in accordance with laws of the State of Nevada.
You have the right within three (3) business days of receiving this Agreement and receipt of any funds, to return the funds to us if you do not accept the terms as outlined in this Agreement by one of the following methods:
Return the funds by U.S. Certified Mail Overnight, Return Receipt Requested, postage prepaid. You must mail to us a request in writing stating your wish to cancel the check cashing transaction a with a certified or cashiers check in the total amount of the funds received from the us, less any mailing charges. Any deviation hereof shall be deemed an invalid cancellation.
Return the funds by faxing a request within forty-eight hours of receipt of the Agreement and any funds. Fax a written request to rescind the check cashing and request for the funds to be electronically withdrawn from your account. You must also mail via U.S. Certified Mail Overnight, postage prepaid a copy of the faxed request. Any deviation hereof shall be deemed an invalid cancellation.
7. Class Action
You agree, to the extent permitted by law, that You will not bring, join, or participate in any class action or multi-plaintiff action as to any claim, dispute, or controversy You may have against 24LoanStore Inc. You agree to the entry of injunctive relief to stop such a lawsuit or to remove yourself as a participant in the suit. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually as outlined herein.
You agree that electronic mail, electronic forms, records, photocopies, and /or facsimile copies of the documents you submit are valid and enforceable as the original. Further, you agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all terms and conditions of the Agreement for which will be deemed valid and binding on all parties to this Agreement.
Notwithstanding any other provisions in this agreement, both parties agree that all disputes, claims, or controversies between the parties to this Agreement, including all disputes, claims, or controversies arising from or relating to this Agreement, no matter by whom or against whom, including the validity if this Agreement and the obligations and scope of this arbitration clause, shall be resolved by and under the Code of Procedure of the National Arbitration Forum (NAF). This arbitration agreement is made pursuant to a transaction in interstate commerce, and shall be governed by the Federal Arbitration Act at 9 U.S.C. Section 1. The parties agree and understand that they choose arbitration instead of litigation to resolve disputes. The parties understand that they have a right or opportunity to litigate disputes through a court, but that they prefer to resolve their disputes through arbitration, except as provided herein. THE PARTIES WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT BUT HAVE AGREED TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION, EXCEPT THAT THE LENDER MAY CHOOSE AT LENDER'S SOLE OPTION TO SEEK COLLECTION OF PAYMENT(S) DUE IN COURT RATHER THAN THROUGH ARBITRATION. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL EITHER PURSUANT TO ARBITRATION UNDER THIS CLAUSE OR PURSUANT TO A COURT ACTION BY LENDER. The parties agree and understand that all disputes arising under case law, statutory law, and all other laws, including, but not limited to, all contract, tort, and property disputes will be subject to binding arbitration in accord with this contract. Rules and form of the NAF may be obtained and all claims shall be filed at any NAF office or at P.O. Box 50131, Minneapolis, MN 55405. Any arbitration hearing, if one is held, will take place at a location near your residence. Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them.
10. Electronic Signature/Verbal Consent
By agreeing to this application, you understand and agree to all terms and conditions of this Agreement and by submitting the online information application by Internet or by phone, you are applying for a cash advance and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of my electronic signature or verbal consent by phone, you are not presently involved in, or contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and hereby give 24LoanStore Inc. consent to obtain information on you from a consumer reporting agency or other various means available. You understand 24LoanStore Inc. reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is necessary, including, but not limited to, employment and bank account verification. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you.
We hereby reserve all rights and power to assign any of our interests in the Agreement to any successor, assignor or purchaser for value without notice or your consent.
All terms used herein are to be defined in accordance with codes, statutes and laws of the State of Nevada.
For questions or complaints, call the Las Vegas Department of Financial Institutions at (702) 486-4120 or visit them at their website at http://fid.state.nv.us.