Ownership of Site; Agreement to Terms of Use

These Terms and Conditions of Use (“Terms of Use”) apply to the World Wide Web site owned, operated, licensed, and controlled by Rydaco LLC, including its related, affiliated, or subsidiary companies located at www.rapid-payday.com, and all associated www.rapid-payday.com sites linked to this Web site. This Site is the property of Rydaco LLC. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

Rydaco reserves the right at its sole discretion to change, modify, add, or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, Rydaco grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks, and service marks) are owned by Rydaco or third parties and all right, title, and interest therein shall remain the property of Rydaco and/or such third parties (collectively, the “Content”). All Content is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images, or other materials on this Site for the purpose of transacting business with Rydaco.

Privacy

Rydaco applies to use of this Site, and its terms are made a part of these Terms of Use by this reference. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, notwithstanding Rydaco’s efforts to protect such transmissions.

Logos, trademarks, images, etc are the property of Rydaco unless otherwise noted and may not be copied, used, linked, disseminated, etc without Rydaco’s prior express written approval. Requests for approval should be directed to info@rydaco.com.

Limitation of Liability

EXCEPT WHERE PROHIBITED BY LAW, NEITHER RYDACO 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, EVEN IF RYDACO HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, RYDACO MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.

Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.

Indemnity

By using the site, you agree to defend, indemnify, and hold harmless Rydaco from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that Rydaco may become obligated to pay arising or resulting from your use of this Site, the Content, or your breach of these Terms of Use. Rydaco reserves the right to assume or participate, at your expense, in the investigation, settlement, and defense of any such action or claim.

Linking

This Site may contain links to sites maintained by third parties. Rydaco is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites. Please note that other web sites and web pages linked to this Site may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions of those web sites and web pages when visiting them.

Minors

This Site is not directed at minors and Rydaco does not knowingly collect personal information from any person under the age of majority for their state at this Site.

Law and Venue

This Site is domiciled in the State of Texas. These Terms of Use and the relationship between you and Rydaco shall be governed by the laws of the state of Texas without regard to its conflicts of law provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in Shelby County, Texas and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.

This Site and its Content are directed to persons residing in the State of Texas. You may not use or export or re-export any portion of this Site or its Content in violation of any applicable laws or regulations, including without limitation Texas export laws and regulations, if any.

Rydaco Text Message Policy

By providing your cell phone number, you have provided us with consent to send you text messages in conjunction with the services you have requested. Your cellular provider’s Message & Data Rates may apply to our confirmation message and all subsequent messages.

You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private.

Please notify us immediately if you change your mobile number or plan to provide your phone to another person.

If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time.

If you have any question about this policy, would like us to mail you a paper copy of this policy, or are having problems receiving or stopping our text messages, please contact us using the following information:

Rydaco LLC | 709 Southview Circle, Center, TX 75935 | info@rydaco.com | 844-944-2274

You agree and consent to be contacted by the Company, our agents, employees, attorneys, affiliates, subsequent creditors, loan servicing companies, and third-party collectors through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home, or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including the use of automatic telephone dialing systems, auto-dialers, or an artificial or pre-recorded voice.

OPT-OUT OR STOP

This policy applies to the text messages sent by Rydaco to our customers while and after they use our product. If you wish to stop receiving text messages from Rydaco, reply to any text message we have sent you and, in your reply, simply type STOP. Your stop request will become effective within one day. You may also stop text messages by calling us or emailing us using the following information:

Rydaco LLC | 709 Southview Circle, Center, TX 75935 | info@rydaco.com | 844-944-2274

HELP OR SUPPORT

If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and, in your reply, simply type HELP. Upon receiving your text message, we will send you a text message with this information. In general, the messages we send provide you with information about your account. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by Rydaco.

***Some customers applying for installment loans may be required to submit additional documentation due to state law and qualification criteria. Rydaco does not perform traditional credit checks as part of its approval process, but does verify application information via databases including, but not limited to, teletrack and lendmate. If you have defaulted on past transactions, you may be declined for an installment loan from Rydaco.

Maximum funded amount for installment loans depends on qualification criteria.

CUSTOMER NOTICE: Installment loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.