Terms & Conditions

1. Overview of Services

APPNAME is a personal finance application that provides tools designed to help users better understand, organize, and manage their finances. The App includes, but is not limited to, the following features:

• Loan Calculator Tool: estimate potential monthly payments based on user-input data such as loan amount, interest rate, and term.
• Debt Tracker: track outstanding balances, payment history, and payoff progress, with options to record extra payments and view visual statistics.
• DebtPayoff Consultant: receive AI-powered insights and suggestions for faster debt repayment.
• AI Chat: ask questions and receive general financial information or guidance.
• Financial Articles Feed: access educational financial content published by 1F Cash Advance.

2. Eligibility

To use the App, you must:

• Be at least 18 years old;
• Reside in the United States;
• Have the legal capacity to enter into a binding agreement.

By using the App, you confirm that you meet these requirements.

3. Account Registration and Security

Some features may require you to create an account. You agree to:

• Provide accurate, current, and complete information;
• Keep your login credentials confidential;
• Notify us immediately if you suspect unauthorized access or use of your account.

We reserve the right to suspend or terminate accounts that violate these Terms or appear to involve fraudulent or unlawful activity.

4. Educational and Informational Use Only

APPNAME provides general financial calculations, insights, and educational resources. We do not offer:

• Personalized financial, investment, or legal advice;
• Credit or lending services;
• Guarantees regarding accuracy, completeness, or suitability of the information provided.

5. User Conduct

You agree not to use the App to:

• Violate any applicable law or regulation;
• Input false, misleading, or fraudulent data;
• Attempt to interfere with the App's operation or security;
• Access data not intended for you;
• Use the App for unauthorized commercial purposes.

6. Intellectual Property

All content and materials available in the App — including text, graphics, logos, software, and design — are the property of 1F Cash Advance App LLC and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.

7. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis. We make no warranties or representations, express or implied, regarding:

• The accuracy, reliability, or completeness of the content;
• Continuous, error-free, or secure access to the App;
• Any specific results from using the App.

Your use of the App is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, 1F Cash Advance App LLC shall not be liable for any:

• Indirect, incidental, or consequential damages;
• Data loss or service interruption;
• Errors, inaccuracies, or omissions in the App's content;
• Decisions made or actions taken based on information provided by the App.

9. Indemnification

You agree to indemnify, defend, and hold harmless 1F Cash Advance App LLC, its officers, employees, and partners from any claims, damages, or expenses arising from:

• Your use or misuse of the App;
• Your violation of these Terms;
• Your infringement of any third-party rights.

10. Modifications to the Terms

We may update or modify these Terms at any time. Updates will become effective upon posting within the App. Your continued use of the App after such updates constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflict of law principles.

Any disputes arising out of these Terms shall be resolved through binding arbitration in Wyoming, unless prohibited by applicable law.

12. Contact Us

If you have questions or concerns about these Terms, please contact us at: