Terms of Use

These Terms of Use ("Terms") govern your access to and use of the BI Finance VP mobile application, the related website, and any associated features or services (collectively, the "App"), operated by BI Finance VP LLC ("BI Finance VP," "we," "us," or "our"). By downloading, accessing, or using the App, you agree to these Terms and to our Privacy Policy. If you do not agree, you must not access or use the App.

BI Finance VP is not a lender, bank, or broker. We do not make credit decisions, set interest rates, or guarantee any loan offer. Our core business is a loan-matching / lead-generation platform: we collect the personal and financial information you submit, package it into a consumer lead, and sell or otherwise transfer it to third-party lenders, financial institutions, marketing partners, and other buyers, who may contact you with offers. By using the App, you specifically agree to the collection and sale of your data described in Section 4 and in our Privacy Policy.

2a. Loan products and amounts

The App currently presents three matching products. Loan amounts and per-product caps may change from time to time and are always shown in the App's in-product eligibility disclosure before you submit a request:

• Small Loan — $50 to $500.
• Cash Advance — $50 to $1,000.
• Personal Loan — $50 to $5,000.

Across all three products, the matched loan amount range is $50 to $5,000. Availability and maximum amount for any specific product depend on the lender, your profile, and your state of residence.

2b. APR range

The Annual Percentage Rate ("APR") is the annualized cost of borrowing, including interest and certain fees. As an indicative range — consistent with the eligibility disclosure shown in the App — APRs typically run from approximately 4% APR up to 35.55% APR, depending on your creditworthiness, the requested loan amount, the selected repayment term, individual lender underwriting standards, and applicable federal and state law. Short-term or specialty products may carry higher effective APRs where permitted by law; always review the lender's complete cost disclosure. The final APR is always disclosed by the lender before you accept an offer.

2c. Repayment terms

Repayment terms vary by lender and by financial product. Consistent with the App's in-product eligibility disclosure, terms typically range from 70 days to 36 months, although shorter or longer terms may be available where permitted by law. For illustration only: a $2,000 installment loan at 24% APR over 12 months works out to approximately $189.12 per month (total interest approximately $269.44; total repayment approximately $2,269.44). Before you accept any offer, you will receive a complete repayment schedule disclosing the total number of payments, the amount of each payment, and the due dates.

2d. Payment frequency and methods

Payments are typically made in fixed scheduled installments — weekly, biweekly, semi-monthly, or monthly, depending on the lender and product. The most common payment method is Automated Clearing House (ACH) debit from your designated U.S. checking account. Some lenders may offer alternative methods. You are responsible for keeping sufficient funds in your account on each due date to avoid late fees, returned-payment / NSF fees, or other charges permitted under applicable law.

2e. Fees

Potential fees that may apply, subject to lender policies and state law, include: origination fees (commonly in the range of approximately 1%–8% of the loan amount), late-payment fees (for example, approximately $15–$30 or 5% of the missed payment, whichever is less), and NSF / returned-payment fees (for example, approximately $15–$35 per returned item). All applicable fees are disclosed in full by the lender before you accept any offer. There are no hidden charges imposed by BI Finance VP.

2f. Early repayment

Many lenders in our network allow early payoff without a prepayment penalty, which can reduce your total interest cost. Because policies vary by lender and by state, please review your specific loan agreement to confirm how early payoff is handled.

2g. Cost disclosure

Before you finalize any loan or cash-advance offer, you will receive a standardized cost disclosure (such as a Truth-in-Lending Act (TILA) disclosure or equivalent summary) from the lender. The disclosure will clearly state the APR, total finance charge, total of payments, payment schedule, and any applicable fees. Review the disclosure carefully — it reflects the legally binding cost and repayment structure of the product you are choosing.

To access or use the App and request financial products, you represent and warrant that you:

• Are at least 18 years old (or the age of majority in your state of residence);
• Are a lawful resident of the United States (U.S. citizen or permanent resident);
• Have the legal capacity to enter into binding agreements under applicable law;
• Possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) as required by applicable law;
• Maintain an active U.S. checking account in your own name;
• Have a verifiable source of income;
• Use the App only for lawful, personal, non-commercial purposes; and
• Provide the following information accurately, completely, and on a current basis: full legal name (first, middle, last); date of birth; email address; mobile and/or home phone number; full residential address including street, city, state, and ZIP code; SSN; driver's license number and issuing state; full bank account number; bank routing number; bank name and account type; employer name and employer phone number; employment status and job title; monthly or annual gross income; source of income; and the purpose of the loan or cash-advance request.

You are responsible for safeguarding your account credentials and for all activity carried out through your account. Notify us immediately at [email protected] if you believe your account has been accessed without authorization.

Please read this section carefully — it is one of the most important parts of these Terms. By submitting your application through the App, you expressly authorize BI Finance VP LLC to do all of the following:

• Collect every category of data listed in Section 3 above and in our Privacy Policy.
• Sell, transfer, and disclose your personal and financial information — including your full legal name, date of birth, email, phone number, residential address with ZIP code, Social Security Number, driver's license number, full bank account number and routing number, employer name and employer phone number, income and employment status, and loan purpose — to third-party lenders, financial institutions, marketing companies, data aggregators, and other buyers.
• Receive monetary compensation, per-lead fees, cost-per-acquisition (CPA) fees, revenue share, or other valuable consideration in exchange for these data transfers.
• Allow buyers, including lenders and marketing partners, to contact you by phone, email, and SMS with offers for financial and other products, subject to the marketing opt-out rights described in our Privacy Policy.
• Share your data with identity-verification, fraud-prevention, and credit-reporting service providers as needed to perform KYC, AML, and risk checks.

You acknowledge that this authorization constitutes a "sale" of personal information under the California Consumer Privacy Act and similar state laws. You may opt out of future sales at any time by emailing [email protected] with the subject "Do Not Sell My Information" or by using the in-app opt-out link. However, data that has already been sold cannot be recalled from third-party buyers.

• What we do: We match users with potential lender and partner offers by collecting your information and selling consumer lead data to third parties.
• What we do not do: We do not issue loans, set APR or fees, make credit-approval decisions, fund disbursements, or guarantee any offer. We are not a party to any loan or credit agreement between you and a lender.

Any loan agreement, disbursement, repayment schedule, or other credit arrangement is between you and the lender or financial service provider, and is governed by that party's own terms and disclosures. Review each lender's offer, terms, and privacy policy carefully before accepting.

You agree to provide accurate, truthful, and complete information when registering and to keep that information current. You may not share your login credentials with others, use another person's identity or account, or misrepresent any information during registration or later use. We may take steps to verify your identity at any time. If we suspect fraudulent or unauthorized use, we may suspend, limit, or terminate your access without notice. Notify us immediately at [email protected] of any suspected unauthorized access.

By using the App, you consent to receive electronic communications from BI Finance VP and, where applicable, from our partners. These may include:

• Emails;
• Text messages (SMS), including one-time verification codes;
• In-app notifications and alerts;
• Electronic agreements, disclosures, and notices from BI Finance VP and from lender or marketing partners.

You understand and agree that electronic records, disclosures, and signatures carry the same legal effect as paper documents and handwritten signatures, consistent with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state laws. By authorizing the sale of your data under Section 4, you also consent to be contacted by buyers regarding financial and other products; this is a material term of these Terms.

You may withdraw consent to receive electronic communications by emailing [email protected], but withdrawal may prevent you from using certain App features or completing future transactions. Even after withdrawal, we may still send communications that are legally required.

The App is free to download and to use as a consumer. BI Finance VP does not charge you a fee to use the App.

BI Finance VP earns revenue by selling consumer lead data to third-party lenders, financial institutions, marketing partners, and other buyers. Compensation may take the form of per-lead fees, cost-per-lead (CPL), cost-per-acquisition (CPA), revenue share, or other arrangements. Compensation may influence which partners receive your data, in what order, and how their offers are displayed in the App. This compensation model is disclosed consistent with FTC guidance and the CCPA's "sale" disclosure requirements. Compensation does not change the loan terms each lender ultimately offers you.

You agree to use the App only in compliance with these Terms and all applicable laws. You may not:

• Use the App for any unlawful, fraudulent, or misleading purpose;
• Submit false, inaccurate, incomplete, or fabricated personal or financial information;
• Interfere with or disrupt the App or its security features;
• Attempt to gain unauthorized access to accounts, systems, or networks related to the App;
• Use robots, scrapers, or other automated tools to access or extract data from the App without our prior written permission;
• Upload or transmit viruses, malware, or other harmful code;
• Reverse-engineer, decompile, or otherwise attempt to derive the source code of the App, except as expressly permitted by applicable law;
• Copy, modify, or distribute any part of the App or its content without our written permission;
• Use the App to send unsolicited messages, spam, or unlawful communications; or
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.

Violations may result in immediate termination of your account and may expose you to civil or criminal liability.

The App may display, link to, or integrate with third-party websites, applications, services, offers, and content. Lenders, marketing partners, and other buyers operate under their own terms and privacy policies. BI Finance VP is not responsible for the content, availability, fees, APRs, eligibility criteria, underwriting, approvals, funding, customer service, or post-sale use of your data by any third party. You should review each recipient's terms and privacy policy carefully before engaging with that party.

All content and technology associated with the App — including text, logos, graphics, images, software, code, design, and data compilations — are owned by BI Finance VP LLC or its licensors and are protected by applicable intellectual-property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App solely for your personal, lawful, non-commercial use in accordance with these Terms. Any unauthorized use, reproduction, distribution, or modification of the App or its content is strictly prohibited.

If you submit ideas, suggestions, feedback, comments, or other materials to us regarding the App, you grant BI Finance VP LLC a worldwide, royalty-free, irrevocable, perpetual license to use, reproduce, modify, adapt, publish, and incorporate such feedback into the App or related services without restriction or compensation to you. You represent that your feedback does not infringe the rights of any third party.

THE APP AND ALL RELATED INFORMATION, TOOLS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BI FINANCE VP LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT THE APP WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. USE OF THE APP IS AT YOUR OWN RISK.

BI FINANCE VP LLC IS NOT A LENDER AND DOES NOT MAKE CREDIT DECISIONS. THE AVAILABILITY, APPROVAL, AND TERMS OF ANY LOAN OR CASH-ADVANCE OFFER ARE DETERMINED SOLELY BY THIRD-PARTY LENDERS AND ARE NOT GUARANTEED. WE MAKE NO REPRESENTATION REGARDING THE ACCURACY, SUITABILITY, OR QUALITY OF ANY OFFER PRESENTED BY A THIRD-PARTY BUYER, OR REGARDING THE CONDUCT OF ANY BUYER AFTER YOUR DATA HAS BEEN SOLD.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BI FINANCE VP LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN ANY WAY RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THE APP, THE SALE OR TRANSFER OF YOUR DATA, ANY CONDUCT OR CONTENT OF ANY THIRD PARTY, OR ANY THIRD-PARTY PROVIDER'S PRODUCTS OR SERVICES — EVEN IF WE HAVE BEEN ADVISED THAT SUCH DAMAGES MAY OCCUR.

TO THE EXTENT ANY LIABILITY IS FOUND DESPITE THE ABOVE LIMITATIONS, THE TOTAL CUMULATIVE LIABILITY OF BI FINANCE VP LLC TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THE APP WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

SOME STATES DO NOT ALLOW CERTAIN EXCLUSIONS OR LIMITATIONS OF LIABILITY. IF YOU RESIDE IN SUCH A STATE, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

You agree to defend, indemnify, and hold harmless BI Finance VP LLC and its affiliates, officers, directors, employees, partners, and agents from and against any and all claims, demands, damages, losses, costs, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the App; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your submission of false, inaccurate, or fabricated information; or (e) your infringement or violation of any rights of another person or entity.

16a. Governing law

These Terms are governed by and interpreted in accordance with the laws of the State of Missouri, without regard to its conflict-of-law rules, together with applicable U.S. federal law.

16b. Binding individual arbitration; class-action waiver

Except where prohibited by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the App will be resolved by final and binding arbitration on an individual basis under the Federal Arbitration Act (FAA), rather than in court. You agree that:

• Class actions, class arbitrations, and representative proceedings are not permitted;
• Claims may be brought only in your individual capacity, not as a class member or class representative; and
• The arbitrator may not consolidate the claims of more than one person.

16c. Informal resolution first

Before initiating arbitration, you agree to first contact us at [email protected] with a written description of the dispute. The parties will attempt to resolve the dispute informally within 30 days.

16d. Exceptions

If arbitration is found unenforceable for a particular claim, or if the claim involves injunctive relief protecting intellectual-property rights, that claim will be resolved exclusively in the state or federal courts located in Missouri, and you consent to the personal jurisdiction of those courts. All other claims remain subject to arbitration.

BI Finance VP may, at any time and without prior notice, add, change, or remove features or functionality; temporarily or permanently suspend all or part of the App; or perform maintenance or updates that may affect availability. We are not responsible for any loss, inconvenience, or damages you may experience due to service interruptions or changes to the App.

We may, at our sole discretion and without prior notice, suspend or terminate your access to the App — including your account — if we believe that you have violated these Terms or applicable law, or that your use of the App is harmful to us, our partners, or other users.

You may stop using the App at any time by uninstalling it from your device and, if applicable, closing your account. Provisions of these Terms that by their nature should survive termination — including, without limitation, Section 4 (Authorization), Section 11 (Intellectual Property), Section 13 (Disclaimers), Section 14 (Limitation of Liability), Section 15 (Indemnification), and Section 16 (Dispute Resolution) — will continue to apply after your access ends.

We may update or modify these Terms from time to time. When we do, we will update the Effective Date at the top of this page. For material changes, we will provide additional notice — such as a prominent in-app notification and/or an email to the address associated with your account. Your continued use of the App after the updated Terms become effective constitutes your acceptance of the revised Terms. If you do not agree to a change, you must stop using the App.

These Terms are an agreement between you and BI Finance VP LLC only — not with Apple Inc. ("Apple"). Apple is not a party to these Terms and is not responsible for the App or its content.

You acknowledge and agree that:

• Apple has no obligation whatsoever to provide any maintenance or support services with respect to the App.
• Apple is not responsible for addressing any claims by you or any third party relating to the App or your use of the App, including: (i) product-liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer-protection, privacy, or similar legislation.
• In the event of any third-party claim that the App or your possession and use of the App infringes a third party's intellectual-property rights, BI Finance VP LLC — not Apple — will be solely responsible for the investigation, defense, settlement, and discharge of that claim.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

Your use of the App must comply with the App Store Terms of Service, including the Usage Rules set forth in the Apple Media Services Terms and Conditions.

For questions, concerns, or legal inquiries regarding these Terms, please contact:

BI Finance VP LLC
455 N Clay Ave
Kirkwood, MO 63122-3905
United States
Email: [email protected]
Support hours: Monday – Friday, 8:00 AM – 8:00 PM Central Time
Privacy Policy: privacy.html