Loan Policies

Welcome to Cypress Loans!

These terms and conditions outline the rules and regulations for the use of Cypress Loans' Website, located at https://cypressloans.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Cypress Loans if you do not agree to take all of the terms and conditions stated on this page.

Cookies:

The website uses cookies to help personalize your online experience. By accessing Cypress Loans, you agreed to use the required cookies.

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.

License:

Unless otherwise stated, Cypress Loans and/or its licensors own the intellectual property rights for all material on Cypress Loans. All intellectual property rights are reserved. You may access this from Cypress Loans for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Copy or republish material from Cypress Loans

• Sell, rent, or sub-license material from Cypress Loans

• Reproduce, duplicate or copy material from Cypress Loans

• Redistribute content from Cypress Loans

This Agreement shall begin on the date hereof.

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. Cypress Loans does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of Cypress Loans, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, Cypress Loans shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Cypress Loans reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;

• The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;

• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.

• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Cypress Loans a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to our Content:

The following organizations may link to our Website without prior written approval:

• Government agencies;

• Search engines;

• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and

• System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We will approve link requests from organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Cypress Loans; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

If you are an organization and are interested in linking to our website, you must inform us by sending an e-mail to Cypress Loans. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or

• By use of the uniform resource locator being linked to; or

• Using any other description of our website being linked to that makes sense within the context and format of content on the linking party's site.

No use of Cypress Loans' logo or other artwork will be allowed for linking absent a trademark license agreement.

Content Liability:

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights:

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website:

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer:

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury;

• Limit or exclude our or your liability for fraud or fraudulent misrepresentation;

• Limit any of our or your liabilities in any way that is not permitted under applicable law; or

• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Debit Card Authorization PAYMENTS: Your legal obligation under this Agreement is to timely pay us the principal and interest due on the Payment Due Date. You may schedule your payments to be made automatically by agreeing to the Authorization to Debit Bank Account described below using the debit card information you have supplied. You may also make your payments by mail using a money order or check. If you choose to mail a payment, (i) all payments shall be mailed to 2790 Shed Rd Bossier City, LA 71111, (ii) payment must reach this address by the Payment Due Date, and (iii) you should notify us prior to 5 p.m. Central Time the Business Day prior to Payment Due Date so we do not debit your account prior to receipt of the payment. In addition, you agree that we cannot make and have not made the Loan contingent upon your obtaining any other product or service from us or anyone else. AUTHORIZATION TO DEBIT ACCOUNT: Unless you choose to mail to us a check or money order as payment for this Loan, you authorize us, and our agents, successors, employees, and registered assigns to debit money from your account using the debit card information you have supplied for each payment you owe us, including the total amount you owe us if you do not pay us when you agreed in this Agreement. You agree we can obtain payment using the debit card information you have supplied on each scheduled payment date shown on the Payment Schedule above. This right to withdraw money in this manner will remain in full force until the earlier of the following occurs: (i) you pay us everything that you owe us under this Agreement or (ii) you tell us or the institution holding your Bank Account that we can no longer use the debit card information you have supplied in enough time to let us stop debiting your account. You acknowledge and agree that this Authorization to Debit Account inures to the benefit of the Lender, its affiliates, agents, employees, successors and registered assigns. NOTICE OF VARYING AMOUNTS: For those customers who have chosen the Debit Authorization, please note that you have the right to receive notice of all withdrawals from your Bank Account by a Debit that varies in amount. However, by agreeing to let us withdraw the money from your Bank Account, you agree we only have to tell you the range of withdrawals that we can make. The range of withdrawals will be either an amount equal to your installment payment or an amount equal to the outstanding balance under the Loan (which may be greater than or less than an installment payment based upon your payment history). For any withdrawal, outside of this specified range, we will send you a notice 10 days prior to the date of the debit. Therefore, by signing this Agreement below, you acknowledge that you will only receive notice when a withdrawal exceeds the amount in the specified range. You authorize us to vary the amount of any withdrawal as needed to repay installments due on the Loan as modified by any partial prepayments you make. Convenience Fee: You agree and authorize that if you make a loan payment through the use of a telephone, electronically through the Internet, or anytime you aren't present at the time of the debit and were allowed by law, a fee will be charged by a third-party vendor which will be subtracted from your checking account in addition to the payment made.

ACH Authorization You hereby authorize the business on this contract to initiate ACH withdrawal entries from your account with the Financial Institution indicated in your account for the purpose of collecting payments in regard to this loan contract or other charges as they become due and payable under the terms and conditions of the Contract. This authority is to remain in full force and effect until the above business has received notification from me of its termination in such time and in such manner as to afford the above business and the Financial Institution a reasonable opportunity to act upon it. Furthermore, I assert that I am the owner or an authorized signer of this bank account. PAYMENTS: Your legal obligation under this Agreement is to timely pay us the principal and interest due on the Payment Due Date. You may schedule your payments to be made automatically by agreeing to the Authorization to ACH Bank Account using the bank information you have supplied. You may also make your payments by mail using a money order or check or debit card. In addition, you agree that we cannot make and have not made the Loan contingent upon you obtaining any other product or service from us or anyone else. NOTICE OF VARYING AMOUNTS: For those customers who have chosen the ACH Authorization, please note that you have the right to receive notice of all withdrawals from your Bank Account by a Debit that varies in amount. However, by agreeing to let us withdraw the money from your Bank Account, you agree we only have to tell you the range of withdrawals that we can make. The range of withdrawals will be either an amount equal to your installment payment or an amount equal to the outstanding balance under the Loan (which may be greater than or less than an installment payment based upon your payment history). Therefore, by signing this Agreement, you acknowledge that you will only receive notice when a withdrawal exceeds the amount in the specified range. You authorize us to vary the amount of any withdrawal as needed to repay installments due on the Loan as modified by any partial prepayments you make.

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 Rates May Apply to our confirmation message and all subsequent messages. If you wish to Opt-out simply type STOP or call the company on the front of the contract and let them know. You agree and consent to be contacted by the Company, our agents, employees, attorneys, affiliates, 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. We may send you marketing text messages some with special offers attached.