Terms of Use

Effective Date: May 11, 2026

These Terms of Use (“Terms”) govern your access to and use of the mobile application Cash Advance: GC Payday Loans, the website gcdoesloans.com, and related services (collectively, the “App” or “Services”) operated by GC Does Loans LLC (“GC Does Loans,” “we,” “us,” or “our”), a Colorado limited liability company with its principal office at 3125 24th St, Boulder, CO 80304-2805.

Please read these Terms and our Privacy Policy carefully before using the App. By downloading, installing, registering for, or using the App, you agree to be bound by these Terms, including your express authorization for us to collect and sell your personal and financial information as described in Section 4.

1. Introduction

GC Does Loans operates a loan-matching and consumer lead-generation platform. We are not a lender, bank, credit union, or broker-dealer. We do not make credit decisions, set interest rates, underwrite loans, fund advances, or guarantee that any lender will approve you or offer particular terms.

Our core business works like this: you submit personal and financial information through the App; we verify and package that information into a consumer “lead”; we sell or transfer that lead to third-party lenders, financial institutions, marketing partners, and data buyers who may contact you with loan or other product offers. Compensation we receive from buyers may influence which partners receive your data and in what order offers appear.

If you do not agree to these Terms—including the sale of sensitive data—you must not use the App.

2. Loan terms: APR, repayment, and fees

Any loan or cash-advance offer you receive comes from an independent third-party lender, not from GC Does Loans. The summaries below are illustrative only. Your lender's binding disclosures control.

2a. APR range

Annual Percentage Rates available through lenders in our network can vary widely. Example range: 4% APR to 35.99% APR, depending on creditworthiness, loan amount, repayment term, lender underwriting standards, and applicable state law. Short-term or payday-style products may carry higher effective APRs. The final APR for any offer is disclosed by the lender before you accept.

2b. Repayment terms

Typical repayment periods range from 70 days to 36 months, depending on product type and lender. Example: a $2,000 installment loan at 24% APR amortized over 12 months may result in approximate monthly payments of $189. Your actual payment amount and total finance charge will be shown in the lender's disclosure before acceptance.

2c. Payment frequency and methods

Repayment frequency may be weekly, biweekly, semi-monthly, or monthly as specified by the lender. Payments are commonly collected by ACH debit from the bank account you designate. You are responsible for maintaining sufficient funds on each due date. Returned or failed payments may trigger fees (example range: $15–$35 per returned item, depending on lender and state law).

2d. Fees

Lenders may charge fees including, without limitation:

• Origination fee — example range: 1%–8% of the loan amount
• Late payment fee — example: $15–$30 or 5% of the scheduled payment, whichever is less, subject to state caps
• NSF / returned payment fee — as disclosed in the loan agreement

All material fees should be disclosed before you accept an offer. GC Does Loans does not charge hidden lender fees, but buyers set their own pricing.

2e. Early repayment

Many lenders permit early payoff without penalty, but policies differ. Review your individual loan agreement to confirm whether prepayment charges apply.

2f. Cost disclosure

Before you accept any credit offer, you should receive a Truth in Lending Act (TILA)-compliant disclosure showing APR, finance charge, total of payments, payment schedule, and itemized fees. Do not accept an offer unless you understand and agree to those figures.

3. Eligibility and requirements

To use the App you must:

• Be at least eighteen (18) years old, or the age of majority in your state of residence if higher
• Be a lawful resident of the United States with legal capacity to enter binding contracts
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) where accepted by partners
• Maintain an active U.S. checking account in your name
• Have a verifiable source of income
• Use the App only for lawful personal, non-commercial purposes

You agree to provide the following information accurately, completely, and truthfully when requested:

• Full legal name (first, middle, last)
• Date of birth
• Email address and phone number (mobile and/or home)
• Full residential address including street, city, state, and ZIP code
• Social Security Number (SSN)
• Driver's license number and issuing state
• Bank account number (full account number), routing number, bank name, and account type
• Employer name and employer phone number
• Employment status, job title, and monthly or annual gross income
• Source of income (employment, self-employment, benefits, other)
• Purpose of the loan or cash advance request

Submitting false or misleading information may constitute fraud, violate these Terms, and result in termination, referral to law enforcement, or civil liability.

4. Express authorization to collect and sell data

By submitting an application or other information through the App, you expressly authorize GC Does Loans LLC to:

• Collect all categories of data listed in Section 3 and described in our Privacy Policy
• Sell, transfer, license, and disclose your personal and financial information—including your SSN, driver's license number, full bank account number, routing number, employer phone number, income details, and loan purpose—to third-party lenders, financial institutions, marketing companies, data aggregators, lead buyers, and other partners
• Receive monetary compensation, per-lead fees, cost-per-lead (CPL), cost-per-acquisition (CPA), revenue share, referral fees, or other valuable consideration in exchange for your data
• Allow buyers to contact you by telephone, email, SMS, push notification, or mail regarding financial and non-financial products, subject to applicable law and your opt-out rights in our Privacy Policy
• Share your information with identity verification vendors, fraud-prevention services, and consumer reporting agencies where permitted by law

You understand that once your data is sold, GC Does Loans does not control how buyers use, retain, or resell it. You may opt out of future sales by emailing legal@gcdoesloans.com with the subject “Do Not Sell My Information” or using in-App controls when available. Opt-out does not recall data already purchased by third parties.

5. What the App does and does not do

• We match consumers with potential lenders primarily by selling lead data to buyers in our network
• We do not issue loans, set rates, make approval decisions, or guarantee funding
• Any credit agreement is solely between you and the lender; GC Does Loans is not a party to that agreement
• You must review each lender's terms, privacy policy, and regulatory disclosures before accepting an offer

6. Account creation and security

You must keep account credentials and profile information accurate and current. You are responsible for all activity under your account. Notify us immediately at questions@gcdoesloans.com if you suspect unauthorized access. We may verify identity, request additional documentation, suspend accounts, or refuse service if we detect fraud, abuse, or violations of these Terms.

7. Electronic communications and E-SIGN

You consent to receive communications electronically, including emails, SMS (including one-time passwords), in-App notices, and disclosures from GC Does Loans and from buyers who receive your lead data. You agree that electronic signatures and records satisfy legal signature requirements under the federal E-SIGN Act and applicable state law to the fullest extent permitted.

By authorizing the sale of your data under Section 4, you also consent that buyers may contact you by phone and SMS regarding financial products, which is a material term of these Services. To withdraw consent for non-essential electronic communications, email questions@gcdoesloans.com; withdrawal may limit App functionality.

8. Fees and our compensation

The App is free for consumers to download and submit requests. GC Does Loans earns revenue by selling consumer lead data to third parties. Compensation may take the form of per-lead fees, CPL, CPA, revenue share, tiered pricing, or other commercial arrangements. These arrangements may influence which partners receive your data, transmission priority, or how offers are ranked or displayed. We disclose this compensation model in these Terms and in our Privacy Policy in accordance with FTC lead-generation guidance and state “sale” definitions under the CCPA/CPRA.

9. Permitted use and prohibited activities

You may not:

• Use the App for unlawful, fraudulent, deceptive, or harassing purposes
• Submit false, incomplete, or fabricated personal or financial information
• Interfere with App security, servers, or networks
• Use bots, scrapers, or automated tools without our prior written consent
• Upload viruses, malware, or harmful code
• Reverse-engineer, decompile, or attempt to extract source code except where law prohibits restriction
• Copy, reproduce, or distribute App content without permission
• Impersonate any person or entity or misrepresent your affiliation

10. Third-party sites and providers

The App may link to or redirect you to third-party websites, lenders, or services. Each buyer operates under its own terms and privacy policy. GC Does Loans is not responsible for third-party products, rates, fees, approval decisions, collection practices, or subsequent use or resale of your data. Review each recipient's policies before engaging.

11. Intellectual property

The App, trademarks, logos, text, graphics, software, and other content are owned by GC Does Loans LLC or its licensors and protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes in accordance with these Terms. All rights not expressly granted are reserved.

12. User feedback

If you submit ideas, suggestions, reviews, or other feedback, you grant GC Does Loans a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, distribute, and incorporate that feedback in any manner without compensation or attribution, to the extent permitted by law.

13. Disclaimers

THE APP AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, GC DOES LOANS LLC DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. GC DOES LOANS IS NOT A LENDER AND DOES NOT GUARANTEE ANY LOAN OFFER, APPROVAL, OR SPECIFIC TERMS. WE MAKE NO REPRESENTATION REGARDING THE ACCURACY, COMPLETENESS, OR SUITABILITY OF OFFERS PRESENTED BY THIRD-PARTY BUYERS. YOUR USE OF THE APP AND RELIANCE ON ANY INFORMATION IS AT YOUR SOLE RISK.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GC DOES LOANS LLC AND ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, THE SALE OR TRANSFER OF YOUR DATA, OR CONDUCT OF THIRD-PARTY BUYERS—EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to defend, indemnify, and hold harmless GC Does Loans LLC and its affiliates, officers, directors, members, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the App; (b) your violation of these Terms or applicable law; (c) your submission of inaccurate or fraudulent information; or (d) your infringement of any third-party right.

16. Governing law and dispute resolution

16a. Governing law

These Terms are governed by the laws of the State of Colorado and applicable federal law of the United States, without regard to conflict-of-law principles that would apply another state's laws.

16b. Binding arbitration

Except as stated in Section 16d, any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved by binding individual arbitration administered under the Federal Arbitration Act (FAA) and the rules of the American Arbitration Association (AAA) or another mutually agreed forum. You and GC Does Loans waive any right to participate in a class action, class arbitration, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

16c. Informal resolution

Before initiating arbitration, you agree to send a written notice describing the dispute to questions@gcdoesloans.com and allow thirty (30) days for informal resolution.

16d. Exceptions

Either party may seek injunctive or equitable relief in state or federal courts located in Colorado for intellectual property infringement or unauthorized access to the App.

17. Service changes and availability

We may modify, suspend, or discontinue any feature of the App at any time, with or without notice. We do not guarantee continuous availability and are not liable for downtime, maintenance, or third-party service failures.

18. Termination

We may suspend or terminate your access immediately for violation of these Terms, suspected fraud, legal requirements, or conduct harmful to us or other users. Upon termination, Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, arbitration, and data already sold survive.

19. Changes to these Terms

We may update these Terms from time to time. The Effective Date above reflects the current version. Material changes will be communicated through in-App notice, email, or a prominent posting on our website. Continued use after the effective date constitutes acceptance of the revised Terms.

20. Apple-related terms (iOS users)

If you downloaded the App from the Apple App Store, you acknowledge and agree that:

• These Terms are between you and GC Does Loans LLC only—not with Apple Inc. (“Apple”)
• Apple is not a party to these Terms and has no obligation to furnish maintenance or support for the App
• Apple is not responsible for product liability claims, regulatory compliance failures, or consumer-protection claims relating to the App
• In the event of any third-party claim that the App infringes intellectual property rights, GC Does Loans LLC—not Apple—is solely responsible for investigation, defense, settlement, and discharge
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you as a beneficiary upon your acceptance
• Your use of the App must comply with the App Store Terms of Service and Apple's Media Services Terms and Conditions (Usage Rules)

21. Contact us

GC Does Loans LLC
3125 24th St
Boulder, CO 80304-2805
United States
General support: questions@gcdoesloans.com
Privacy requests: legal@gcdoesloans.com
Website: gcdoesloans.com
Privacy Policy: gcdoesloans.com/privacy