Zaplo loans are designed to assist you in meeting your short term borrowing needs and are not intended to be a long term financial solution. This is an expensive form of borrowing. The Annual Percentage Rate (“APR”) applied to your loan will vary depending on the pay period. The APR on Zaplo loans vary depending on State laws, information provided, and your payment history. Before borrowing, please consider whether you will be able to repay the amount you borrow. Any instances of late or non-payment may be subject to additional non-sufficient funds and late fees, and collection activities. Cash advance services through this website are not available in all states and state availability may change from time to time without notice. Zaplo does not lend to residents of states in which it is not licensed or to members of the military and their dependents.
Your Access to the Site
This Site is not directed at children, and we do not knowingly collect information from persons under the age of 18 years old. By your use of this Site, you represent that you are 18 years of age or older. If you are under 18 years of age, please do not use this Site or provide us with any of your personal information.
Permitted Use and Restrictions
You agree you will not interfere, in any way, with others’ use of or access to the Site or Zaplo services and will not attempt to gain unauthorized access to the computer system of Zaplo or any other Site user, including any use or attempted use by you of another person's password and account information. In addition, you agree not to provide to Zaplo any false information, or to otherwise take any other action in connection with your use of the Site which violates any treaty, law or regulation.
You agree that you will not use any robot, spider or other automatic device, manual process or application or data mining or extraction tool to access, monitor, copy or use the Site, or any portion thereof. You agree not to take any other action that imposes an unreasonable or disproportionately large load on the Site.
Except as expressly provided herein, you may not use, download, upload, reproduce, copy, duplicate, print, display, perform, republish, sell, license, post, transmit, disseminate, redeliver using “framing technology,” otherwise distribute, or commercially exploit in any way the Site or any portion thereof or any information or content on the Site, without the prior written permission of Zaplo or its licensors. Any unauthorized use terminates the permission or license granted by Zaplo.
Unauthorized Use of the Site
Accounts, Passwords and Security
Copyrights and Trademarks
All Contents, any improvements or modifications to such Contents, any derivative works based on any of the foregoing, and the collection, arrangement and assembly of all such Contents, are the property Zaplo, or its content suppliers and are protected by U.S. and international copyright laws and other intellectual property laws. The Contents of our Site, and the Site as a whole, are intended solely for personal use by the users of our Site. You may not reproduce (except as noted above under the caption “Permitted Use and Restrictions” ), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the Contents, the Site, or any related software.
ZAPLO and certain other marks and logos displayed on the web site are registered and common law trademarks of Zaplo in the United States and other countries. The trademarks may not be used in connection with any product or service that is not authorized in writing by Zaplo, in any manner that is likely to cause confusion among consumers, or to disparage or discredit Zaplo. All other trademarks that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to or sponsored by us or our affiliates. You may not use, copy, modify or display any of the trademarks, service marks, trade names, company names, or logos appearing on this Site without the express written permission of the respective owner thereof.
Links to Third Party Sites
The Site may include links to the websites of third parties. Zaplo does not control these third party websites and is not responsible for the content of any links, or any products, services or other materials available on or through any linked site, or any link contained in a linked site. The existence of links from the Site to these sites should not be construed as an endorsement of any of the content, products or services appearing on such sites or as implying an association between Zaplo and the operators of these sites. By using these third-party websites you may be agreeing to their terms or visitor agreements. You release Zaplo and its affiliates from any damages that you may incur, and agree not to assert any claims against them, arising from your use of these third-party sites or from your purchase or use of any third-party provided product or service.
When you visit this Site or send e-mails to us, you are communicating with us electronically. We will communicate with you by e-mail or by posting notices on this Site. You hereby consent to receive communications from us electronically, including through posting notice on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Without limiting the generality of the foregoing, you agree that we may send e-mail to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate.
No Financial Advice Provided
You should not consider any content on the Site to be professional investment, tax, or other financial advice. NOTHING ON THE SITE SHOULD BE CONSTRUED AS A RECOMMENDATION OF ANY TRANSACTION BY ZAPLO, ITS AFFILIATES OR ANY THIRD PARTY. ALL CONTENT ON THIS SITE IS IMPERSONAL AND NOT TAILORED TO THE FINANCIAL NEEDS OF ANY SPECIFIC PERSON.
Privacy and Collecting Information
Zaplo may collect and store personally identifiable information about you if you voluntarily submit such information to Zaplo. Personally identifiable information may include your name, e-mail address, physical address and other information that specifically identifies you. Zaplo may use any personal information you supply through this Site in accordance with its Privacy Notice and applicable law. To view the Privacy Notice, click here.
Zaplo collects anonymous, non-confidential, and non-personal information when you use our Site, send us e-mails, or respond to special promotions or newsletters that we may send to you from time to time. For example, cookies are small computer files that we transfer to your computer's hard drive that allow us to know how often someone visits a site and the activities they conduct while on that site. Every computer is assigned a different cookie by Zaplo. The information collected by cookies helps us dynamically generate content on web pages and also allows us to statistically monitor how many people are using our site or are opening our e-mails. We may use cookie information to determine the popularity of certain content or advertisements.
In connection with any product or service Zaplo may make interactive online chat ("Chat") service available to you. Zaplo provides the Chat service as a convenience to facilitate your understanding of Zaplo’s products, services, and online applications related to those products or services. Our Chat service agents endeavor to provide you with accurate and current information based on your question or need. No communications during the Chat service shall be considered a legal agreement or warranty. You will not use the Chat service to send any abusive, defamatory, dishonest, or obscene message, and doing so may result in termination of the Chat service session.
User Comments, Feedback, Postcards and Other Submissions
All comments, feedback, suggestions, ideas, and other submissions disclosed, submitted or offered to Zaplo on or by this Site or otherwise disclosed, submitted or offered in connection with your use of this Site (collectively, "Comments") shall be and remain Zaplo property. Such disclosure, submission or offer of any Comments shall constitute an assignment to Zaplo of all worldwide right, title and interest in and to all copyrights and other intellectual property rights in the Comments. Thus, Zaplo will own exclusively all such right, title and interest, shall not be limited in any way in its use, commercial or otherwise, of any Comments and is not required to provide any compensation or attribution to you in connection with any use of such Comments.
Certain features or areas of the Site may allow you to upload certain information or content to the Site (collectively, “User Content”). You acknowledge that you are responsible for the User Content you submit through the Site, and that you, and not Zaplo, will bear full responsibility for each item of User Content, including its legality, reliability, appropriateness, originality and copyright. Except where otherwise expressly provided by Zaplo, all such User Content shall be considered non-confidential. You retain all rights, title and interest in and to any and all User Content that you provide via the Site. Nonetheless, you agree that by submitting any User Content to Zaplo on or through the Site, you hereby grant to Zaplo a non-exclusive, perpetual, irrevocable, worldwide, unrestricted, sublicenseable, royalty-free right and license to reproduce, modify, adapt, publish, translate, create derivative works based on, distribute, perform, display and/or otherwise use any such User Content in our sole discretion, including incorporating any such User Content in other works in any form, media, or technology now known or hereafter developed.
You agree not to upload on or transmit to or via the Site any User Content which: (i) infringes or otherwise violates any copyright, patent, trademark, trade secret, trade names, company names or other proprietary right; (ii) is defamatory, libelous, expresses hate, or is unlawfully threatening; (iii) is pornographic, obscene or exploitative of a minor; (iv) contains or embodies a virus, worm, trojan horse or other contaminating or destructive feature; or (v) otherwise violates any applicable treaty, law, rule or regulation.
Zaplo does not necessarily endorse, support, sanction, encourage, verify, or agree with any comments, opinions, or statements of third parties as may be displayed on or transmitted via the Site. Any information or material placed on the Site by third parties are the views and responsibility of those who post the statements, and do not necessarily represent the views of Zaplo.
Availability of Services Only Where Permitted By Law
Not all of the products and services described in our Site are available in each state. The products and services described on the Site are only offered in jurisdictions where they may be legally offered. In addition, the terms of the products and services differ depending upon the state. Where you reside may limit whether you qualify for certain products and services. In no event shall the information on this Site be deemed an offer to or solicitation of anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation. In our sole discretion, we determine the eligibility requirements, including residency requirements, for any product or service we offer. The general description information on our Site is not a binding legal offer, and each product or services remains subject to our underwriting and eligibility requirements.
This Site may be accessed from countries other than the United States. This Site may contain products and services or references to products and services that are not available outside of the United States. Any such references do not imply that such products will be made available outside the United States. If you access and use this Site outside the United States you are responsible for complying with your local laws and regulations.
Disclaimer of Warranties and Limitation of Liability
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE, OR ANY INFORMATION, CONTENT, SERVICES AND/OR MATERIALS CONTAINED IN, ACCESSED VIA, OR DESCRIBED ON THE SITE, IS AT YOUR OWN RISK, AND THAT ALL SUCH INFORMATION, CONTENT, SERVICES AND MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, ZAPLO DOES NOT MAKE ANY, AND HEREBY DISCLAIMS ALL, REPRESENTATIONS AND/OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE AVAILABILITY, OPERATION AND USE OF THE SITE, OR ANY INFORMATION, CONTENT, SERVICES OR MATERIALS ON OR ACCESSED VIA THE SITE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. FURTHER, ZAPLO DOES NOT REPRESENT OR WARRANT THAT ANY OF THE INFORMATION ACCESSIBLE VIA THE SITE IS ACCURATE, COMPLETE OR CURRENT, AND ZAPLO IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS THEREIN OR FOR ANY ADVERSE CONSEQUENCES RESULTING FROM YOUR RELIANCE ON ANY ASPECT OF THE SITE. MOREOVER, WHILE WE MAKE REASONABLE EFFORTS TO ENSURE THE SECURITY OF OUR SYSTEMS, ZAPLO MAKES NO REPRESENTATIONS OR WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS.
IN NO EVENT SHALL ZAPLO OR ITS AFFILIATES, OR THE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR REPRESENTATIVES OF ZAPLO OR ITS AFFIALITES (COLLECTIVELY, THE “ZAPLO PARTIES”) BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING OUT OF THE USE OF, ACCESS TO, RELIANCE ON, INABILITY TO USE OR IMPROPER USE OF THE SITE, OR ANY INFORMATION, CONTENT, SERVICES OR MATERIALS AVAILABLE THEREON (INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOODWILL OR REVENUE, BUSINESS INTERRUPTION, OR LOSS OF DATA), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE.
CERTAIN STATE LAWS DO NOT PERMIT LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, AND THUS SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS ABOVE MAY NOT APPLY TO YOU.
Modification or Discontinuance of the Site by the Company
At any time, without notice to you, and for any or no reason, Zaplo may modify or discontinue the Site or any other services provided therein. Zaplo shall in no way be held liable for any consequence which results from Zaplo’s decision to modify or discontinue providing the Site or any other services provided therein.
Notice and Procedure for Making Claims of Intellectual Property Infringement
Zaplo respects the intellectual property rights of others. If you believe that any content on this Site may infringe your copyrights or other intellectual property rights, please provide Zaplo the written information specified below. Please note that this procedure is exclusively for notifying Zaplo that your intellectual property rights have been infringed.
- An electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property interest;
- A description of the intellectual property right that you claim has been infringed;
- A description of where the material that you claim is infringing is located on the Site;
- Your address, telephone number, and e-mail address;
- A statement by you that you have a good faith belief that the disputed use is not authorized by the intellectual property owner, its agent, or the law; and
- A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the intellectual property owner or authorized to act on the intellectual property owner’s behalf.
Zaplo’s agent for notice of claims of copyright infringement or other intellectual property infringement on the Site can be reached as follows:Intellectual Property Agent
1000 N. West Street, Suite 1200
Wilmington, Delaware 19801
phone: (800) 259-2756