Terms and Conditions of Use

Last Updated: February 14, 2026

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE.

## 1. Introduction and Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you" or "User") and WhenPayDay.com ("Company," "we," "us," or "our"), concerning your access to and use of the https://www.WhenPayDay.com website (the "Site").

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by all of these Terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

## 2. Nature of Service – DISCLAIMER OF AGENCY

WhenPayDay.com is NOT a lender, loan broker, financial institution, or agent of any lender.

We provide an independent online service that connects users with third-party lenders and lending partners ("Lending Partners").

* No Credit Decisions: We do not make credit decisions, issue loan approvals, or determine interest rates.

* No Endorsement: The presence of a link to a Lending Partner does not constitute an endorsement or recommendation of that Partner’s products.

* No Fee: We do not charge you a fee for using our Site. We may receive compensation from Lending Partners if you click on a link or submit an inquiry.

## 3. Financial and Legal Disclaimers (Read Carefully)

### 3.1. Informational Purposes Only

The content provided on this Site, including blog posts, articles, and calculators, is for general informational purposes only. It does not constitute professional financial, legal, or tax advice. You should consult with a certified financial advisor before making any financial decisions.

### 3.2. Truth in Lending & Rates

Loan terms, including Annual Percentage Rates (APR), fees, and repayment periods, are determined solely by the Lending Partners and may vary based on your creditworthiness and state of residence.

Warning: Short-term loans and payday loans may be associated with high interest rates. You are strongly urged to read all terms and conditions provided by the lender before signing any loan agreement.

### 3.3. No Guarantee of Accuracy

While we strive to keep information current, financial offers change rapidly. We make no representations, warranties, or guarantees, express or implied, regarding the accuracy, reliability, or completeness of the content on the Site.

## 3.4. DISCLAIMER OF WARRANTIES

THE SITE IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, OR (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY.

## 4. Third-Party Websites and Interactions

The Site contains links to third-party websites ("Third-Party Sites"). Such Third-Party Sites are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us.

* Release of Liability: You hereby release and hold us harmless from any and all liability arising from your use of any Third-Party Site or your reliance on any content contained therein.

* Sole Responsibility: Any dealings you have with third parties found while using the Site are between you and the third party. We are not responsible for any loss or damage of any sort incurred as the result of any such dealings.

## 5. Intellectual Property Rights

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

You are granted a limited license to access and use the Site for your personal, non-commercial use only. You may not:

1. Republish material from the Site.

2. Sell, rent, or sub-license material from the Site.

3. Use data mining, robots, or similar data gathering and extraction tools on the Site.

## 6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IF, NOTWITHSTANDING THE OTHER PROVISIONS OF THESE TERMS, WE ARE FOUND TO BE LIABLE TO YOU FOR ANY DAMAGE OR LOSS, OUR LIABILITY SHALL IN NO EVENT EXCEED THE AMOUNT OF 50.00 USD (FIFTY UNITED STATES DOLLARS).

## 7. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Site; (2) breach of these Terms; (3) any overt harmful act toward any other user of the Site.

## 8. Dispute Resolution: Binding Arbitration & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

### 8.1. Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the use of the Site shall be settled by binding arbitration, rather than in court. The arbitration shall be conducted in Tel Aviv-Yafo, Israel, in the English language.

### 8.2. Class Action Waiver

YOU AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED IN YOUR INDIVIDUAL CAPACITY ONLY AND NOT AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. You expressly waive your right to file a class action or seek relief on a class basis.

## 9. User Data and Privacy

The Site is hosted by a third-party service provider (Hostinger) with servers that may be located in the United States, the United Kingdom, the European Union, or Asia. By accessing the Site, you acknowledge and agree that your personal data may be transferred to, stored, and processed in any of these jurisdictions, where data protection laws may differ from those of your home country.

## 10. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors.

## 11. Age Restriction

The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site. By using the Site, you represent and warrant that you are of legal age to form a binding contract with the Company.

## 12. Governing Law and Jurisdiction

These Terms shall be governed by and defined following the laws of the State of Israel.

Subject to the arbitration provision in Section 8 above, any legal action or proceeding related to these Terms or the Site shall be brought exclusively in the courts located in Tel Aviv-Yafo, Israel, and you hereby consent to the personal jurisdiction and venue of such courts.

## 13. Contact Us

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:

Email: Office@WhenPayDay.com