Accounts & registration
Generally, you may access and browse the Site without creating an account. However, the use of certain Site features may require you to register for an account and create a username and password in order to access those services and portions of the Site. When you register you will be required to provide us with some information about yourself. You agree that the information you provide to us is accurate and that you will keep it accurate and up-to-date at all times. When you register, you will be asked to create a password.
When you register an account on Insta Cash’s Site, you are solely responsible for: (1) Maintaining the confidentiality of your account and password; (2) Authorizing, monitoring, controlling access to and maintaining the confidentiality of your username and password; (3) Informing Insta Cash, in writing or by phone, of any need to deactivate a username due to security, confidentiality or other concerns; and (4) Any charges or damages that may be incurred by the use of your username or password, for any reason, until such time that you tell us to deactivate your account or other such notification that your account has been compromised or any other unauthorized use. Insta Cash is not liable for any harm related to any authorized or unauthorized use of your username or password.
Insta Cash is not liable for any harm related to the theft of your access credentials, your disclosure of access credentials, or your decision to allow another person or entity to access and use the Site using your access credentials. You agree to accept responsibility for all activities that occur under your account. If you have reason to believe that your account is no longer secure, then you must immediately notify us at email@example.com or call us at 855-889-5888.
Each Customer is only permitted to register for one account. You agree not to register for multiple accounts with Insta Cash unless Insta Cash has expressly authorized you to do so.
The Site is not directed at children under the age of thirteen (13) years old. Insta Cash does not knowingly collect personal information from children under thirteen (13) years of age from this Site.
Notice to service-members
Service-members on “active duty” or “active service” may be entitled to certain legal protections and debt relief pursuant to the Service Members Civil Relief Act (“SCRA”) and the Military Lending Act (“MLA”). For questions about the SCRA and/or the MLA, service-members should contact their unit’s Judge Advocate, or their installation’s Legal Assistance Officer. A military legal assistance office locator for all branches of the Armed Forces is available at https://legalassistance.law.af.mil/.
Restrictions on data collection & termination
Without the prior written consent of Insta Cash, you may not: (1) Use any automated means to access this Site or collect any information from the Site (including, without limitation, robots, spiders, scripts or other automatic devices or programs); (2) Frame the Site, utilize framing techniques to enclose any content or other proprietary information, place pop-up windows over the Site’s pages, or otherwise affect the display of the Site’s pages; (3)Engage in the practices of “screen scraping”, “database scraping”, or any other activity with the purpose of obtaining content or other information; (4) Upload, post, email, transmit, or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail”, “spam”, “chain letters”, “pyramid schemes”, or any other form of commercial or non-commercial solicitation or bulk communications of any kind to any employee or third party; (5) Use data provided by Insta Cash, regardless of the manner such data was provided, for any competing uses or purposes. You further agree that you have never used data, regardless of the manner such data was provided, from Insta Cash in the past to compete with the products or services of Insta Cash; (6) Duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site for any public or commercial use without the express written consent of Insta Cash; or (7) Use the Site in any manner that violates applicable law or that could damage, disable, overburden or impair the Site or interfere with any other party’s use and enjoyment of the Site.
Consent to electronic transactions & disclosures
Any disclosures from Insta Cash will be provided to you electronically through our Site or via electronic mail to the email address you provided. If you require paper copies of such disclosures, you may sign into your account on our Site and print the documents desired.
Scope of Consent: Your consent to receive disclosures and transact business electronically, and our agreement to do so, applies to any transactions to which such disclosures relate. Your consent will remain in effect for so long as you are a Customer and, if you are no longer a Customer, will continue until such time as all disclosures relevant to transactions that occurred while you were a Customer have been made.
Hardware & Software Requirements: In order to access and retain disclosures electronically, you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; supported Web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher); and hardware capable of running this software. To ensure access and optimal printing of your loan documents in PDF format, you must have Adobe Acrobat Reader. A free version of Adobe’s Reader can be uploaded at no cost to you: https://get.adobe.com/reader/.
Additional Mobile Technology Requirements: If you are accessing the Site and the disclosures electronically via a mobile device (such as a smart phone or tablet), in addition to the above requirements, you must make sure that you have software on your mobile device that allows you to print and save the disclosures presented to you during the application process. These applications can be found for most mobile devices in their respective “app store”. If you do not have these capabilities on your mobile device, please access the Site through a device that provides these capabilities.
Withdrawing Consent: You may withdraw your consent to receive disclosures electronically by contacting us at the address below. However, once you have withdrawn your consent, you will not be able to complete a loan application on our Site. If you have a pending application on our Site and you withdraw your consent to receive disclosures electronically, we will terminate it and remove it from our system. If you have already received a loan, all previously agreed to terms and conditions will remain in effect and we will send disclosures to your verified home address provided during application.
How to Contact Us Regarding Electronic Disclosures: You can contact us via email at firstname.lastname@example.org. You may also reach us in writing to us at the following address: Insta Cash, 2400 W Devon Ave, Chicago, IL 60659.
Change in Your Contact Information: You agree to keep us informed of any changes to your email or home mailing address so that you can continue to receive all disclosures in a timely fashion. If your email address changes, you must notify us of the change by updating it online in your account, sending an email to email@example.com, or calling 855-889-5888. You also agree to promptly update your home address and telephone number on the Site if they change.
Potential disruption of service
Access to our Site may from time to time be unavailable, delayed, limited, or slowed due to causes beyond our control. We make no guarantees as to the availability of the Site.
Site & account security
You acknowledge that use of a username and a password is an adequate form of security. You acknowledge and agree that Internet transmissions are never completely private or secure and that any message or information you send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions.
We use industry standard physical, technical, and administrative security measures and safeguards to protect the confidentiality and security of your personal information. However, since the Internet is not a 100% secure environment, we cannot guarantee, ensure, or warrant the security of any information you transmit to us. There is no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or administrative safeguards. It is your responsibility to protect the security of your login information. Please note that emails and other communications you send to us through our Site are not encrypted.
Mobile terms & conditions
Mobile device usage
Use of our services may be made available through a web browser, on a mobile device, or through an application running on a mobile device. You are responsible for all costs incurred by you with respect to using our service on any mobile device, including data usage fees and other telecommunications fees.
For additional information, call 855-889-5888.
Supported carriers are: AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, lmmix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina – Custer, Rina – All West, Rina -Cambridge Telecom Coop, Rina – Eagle Valley Comm, Rina -Farmers Mutual Telephone Co, Rina – Nucla Nutria Telephone Co, Rina – Silver Star, Rina – South Central Comm, Rina – Syringe, Rina – UBET, Rina – Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. Insta Cash is not liable for delayed or undelivered messages.
INTELLECTUAL PROPERTY MATTERS
Trademarks & copyrights
The Site contains material that is either owned by Insta Cash or licensed to Insta Cash. Insta Cash’s graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks (collectively, “Trademarks”). Additional protected intellectual property includes: copyrights, patents, database rights, graphics, website text, trade dress, and service marks (“IP”). Trademarked or copyrighted materials are protected by applicable federal copyright laws or international treaties. Insta Cash’s Trademarks and IP may not be used, including as part of other trademarks and/or as part of domain names in connection with any product or service in any manner that is likely to cause confusion in the marketplace. Insta Cash’s Trademarks and IP may not be copied, imitated, or used, in whole or in part, without the prior written permission of Insta Cash. By downloading any trademarked or copyrighted material, you agree that you do not obtain any ownership rights in any such material, including the exclusive rights granted by U.S. Copyright law.
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information about the Site (collectively, “Submissions”), provided by you to Insta Cash, are not confidential and shall become the sole property of Insta Cash. Insta Cash shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
If you believe that any material on the Site infringes upon any copyright which you own or control, you may send a written notification of such infringement to the following address: Insta Cash, 2400 W Devon Ave, Chicago, IL 60659, Attn: RRAB Financial Services, including the following information in your notification:
Name of Agent Designated to Receive Notification of Claimed Infringement
Full Address of Designated Agent to Which Notification Should be Sent
Telephone Number of Designated Agent
Facsimile Number of Designated Agent
Email Address of Designated Agent
Further: to meet the notice requirements under the Digital Millennium Copyright Act, any notification sent to Insta Cash must be a written communication that includes the following: (1) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed upon; (2) Identification of the copyrighted work claimed to have been infringed upon or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; (3) Identification of the material that is claimed to be infringing (or to be the subject of infringing activity) and that is requested to be removed or access to which is requested to be disabled, along with information reasonably sufficient to permit Insta Cash to locate the material on our Site; (4) Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number and, if available, an electronic email address at which the complaining party may be contacted; (5) A statement that the complaining party has a good-faith belief that use of the material in the matter complained of is not authorized by the copyright owner, its agent, or the law; and (6) A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is or has been allegedly infringed upon.
Authorization for the Social Security Administration to disclose your social security
By use of this Site, you authorize the Social Security Administration (SSA) to: (1) Verify your Social Security number (SSN) to match your name, SSN, and date of birth that you submitted to Insta Cash in an application or a transaction with information in SSA records; and (2) Disclose to Insta Cash a match or no-match response concerning the results of the SSN verification for identification, security, and lending purposes.
Links to third party websites & content
THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. INSTA CASH MAY AMEND OR MODIFY THE CONTENT OF THE SITE IN ANY WAY WITHOUT NOTICE. NOTWITHSTANDING INSTA CASH’S EFFORTS TO IMPLEMENT REASONABLE SAFEGUARDS TO PROTECT AGAINST HARMFUL PROPERTIES, INSTA CASH CANNOT ENSURE THAT ANY FILES, DOCUMENTS, OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES, WORMS, CONTAMINATION, DESTRUCTIVE FEATURES, OR OTHER CODE THAT MAY RESULT IN HARMFUL PROPERTIES. INSTA CASH DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, THAT ANY DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. INSTA CASH DOES NOT WARRANT THE COMPLETENESS, NON-INFRINGEMENT, TITLE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OF THE SITE ITSELF. TO THE EXTENT PERMISSIBLE BY APPLICABLE LAW, INSTA CASH AND/OR ANY OF ITS SUBSIDIARIES AND/OR AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. INSTA CASH DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS, AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST INSTA CASH FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.
Limitation on liability
EXCEPT WHERE PROHIBITED BY LAW, NEITHER INSTA CASH, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS, OR ASSIGNS OF EACH SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS.
IN NO EVENT WILL INSTA CASH OR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS, OR ASSIGNS OF EACH BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE SITE OR THE SERVICE OR ANY OF THE SITE CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE SITE, EVEN IF INSTA CASH IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Governing law; venue & jurisdiction
Effective Date: 7/19/21