Read agreement and execute at the bottom of this page

Important Disclosures for Open-End Credit Accounts

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Cash Advances

35.99%

Annual Percentage Rate (APR) for Balance Transfers*

35.99%

Annual Percentage Rate (APR) for Purchases*

35.99%

Paying Interest

Finance charges begin on the transaction date, except in states requiring a grace period, in which case your due date is at least 25 days after the close of each billing cycle and we will not charge you interest if you pay your entire balance by the due date.

Minimum Interest Charge

No Minimum Interest Charge.

Fees

Participation Fee

$1.36 per day within each 28-day billing period that the Account remains open. The annualized amount of the Participation Fee is $497.76 based on 13 billing periods per year.**

New Accounts Origination Fee

$100 one-time fee for new accounts added to your balance at account opening.

Balance Transfer Fee

$50

Penalty Fees:

Late Payment
Over-the-Credit-Limit
Returned Payment

 

Up to $30
Up to $40
Up to $25

 

How We Will Calculate Your Balance: We use a method called "average daily balance" (including current transactions). See your Open-end Credit Agreement for more details.

Daily Periodic Rate: The daily periodic rate used to figure interest for your Account is .09833%, which is calculated by dividing the APR by 366.

* At such time as we make them available to you.

** You are only responsible for paying the Participation fee for those billing periods during which your Account remains open. This fee is an annual fee billed periodically and is pro-rated for the number of days within the billing period.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided to you in your Open-end Credit Agreement and included with every periodic statement you receive.

 

Authorization

 

When you apply for an Open-end Credit Account from nhcash.com, LLC ("nhcash.com","we","us"), you agree to the following:

 

1.       You must be at least 18 years of age to apply for an Open-end Credit Account with nhcash.com. If you are married, you may apply for a separate account with nhcash.com.

2.       You authorize us to obtain credit bureau reports in connection with your request for an Account. We may investigate your credit history and gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit in connection with a revolving credit account with nhcash.com. Upon request, we will tell you whether or not a consumer report was requested and the name and address of any consumer reporting agency that furnished the report. We will report your performance under this Agreement to credit bureaus and others who may properly receive such information.

3.       When you provide your email address, nhcash.com may use it to contact you about your Account and tell you about useful products and services.

4.       You confirm that you are not currently in bankruptcy proceedings, nor do you plan on filing bankruptcy in the future.

5.       By using your Account with us or authorizing the use of your Account with us, you agree to the terms of our Open-end Credit Account Agreement.

 

Notice to New Hampshire Residents: You and/or your attorney may file a complaint with the Commissioner of the New Hampshire Banking Department if you feel you have been treated unfairly or at odds with applicable law. You may contact the Banking Commissioner on its website found at www.nh.gov/banking, by telephone (603) 271-3561, or by mail at 53 Regional Drive, Suite 200, Concord, NH 03301.

Notice to Utah Residents: As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.

Notice to Virginia Residents: You have a 25-day grace period in which to pay your balance in full, without incurring interest charges. No interest is assessed if you pay in full on or before the next billing date. However, if you fail to make a payment within the grace period, interest will accrue on the advance from the date on which the advance was taken. Upon paying your balance in full, you must notify us in writing if you would like to close your account. If you pay your outstanding balance in full but fail to notify us of your intent to close the Account, your Account will remain open and continue to be charged the Annual Fee, billed periodically.

 

 

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. When you open an Open-end Credit Account with us, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

We are an Equal Credit Opportunity lender and do not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided applicant has the capacity to enter into a binding contract); because all or part of an applicant’s income derives from any public assistance program; or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning nhcash.com, LLC is the Federal Trade Commission, Pennsylvania and 6th Street, N.W., Washington, DC 20580.

 

Open-end Credit Account Agreement

 

This nhcash.com, LLC Open-end Credit Account Agreement ("Agreement"), is made between nhcash.com, LLC, 169 South River Road, Suite #19, Bedford, NH 03110, and any person to whom this Agreement or the indebtedness created under this Agreement may be assigned ("nhcash.com", "we", "us" and "our") and each person who is issued an Open-end Credit Account or who is otherwise authorized to use the Open-end Credit Account ("you" and "your"). In the execution portion of the Agreement the word "I" means each person who signs the Agreement. This Agreement, along with the adjoining Authorization, Notices, Important information about Procedures for Opening a New Account and the Statement of Affirmation, is your contract concerning the use of your Open-end Credit Account. PLEASE READ THIS DOCUMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

Definitions.

 

Account. Open-end credit Account.

Balance Transfers. Balance Transfers occur when we pay off another account for you (in whole or in part).

Billing Cycle. The Billing Cycle is the interval between statements. Each Billing Cycle is approximately 28 days in length. Each statement shows a closing date, which reflects the last date of the Billing Cycle. There are 13 Billing Cycles in an Account year. Adjustments will be made for persons receiving income only once per month.

Cash Advances. Cash Advances occur when we forward cash directly to you or your bank account or stored value account.

Finance Charge. The amount reflecting the cost of credit which will be imposed on each balance within each Account Type that is subject to Finance Charges.

Periodic Statement ("Statement"). A statement reflecting the account balance and activity during the Billing Cycle that is delivered to you on a periodic (monthly) basis.

Purchases. An extension of credit to your Account for the purpose of purchasing goods or services from participating merchants.

 

 

Your Account.

Promise to Pay. In return for extending credit to you on your Account from time to time, you promise to pay us for cash advances, balance transfers and purchases that you make on this Account from time to time. You also promise to pay us all other charges mentioned below, according to the terms of this Agreement.

Advance Limit. We will assign an advance limit to your Account. The advance limit is the amount of credit we will extend to your Account. We will tell you the initial advance limit after we receive your Application and Agreement and notify you of Account approval and opening procedures. Your advance limit will also be provided on your Periodic Statements. You must make a minimum of five (5) consecutive, on-time periodic payments in order to request a credit line increase. Your eligibility and the amount of any increase will be determined based on factors such as good payment history and continued ability to repay. We may from time to time increase or decrease your limit. If a transaction would exceed your available advance limit, we may decline it.

Use of Your Account. Your Account may only be used for cash advances, balance transfers and purchases for personal, family and household use. You are not allowed to use your Account to make payments to this Account or any other loan payments to us or our affiliates or for internet gambling.

Account Cancellation. You may cancel your loan transaction at any time before the close of business, 5p.m. ET, of the next business day following the date of opening your account with no penalty by re-paying the full amount of the loan.  

Finance Charge, Interest and Fees

 

Accounts Subject to Finance Charge. Finance Charges shall be applied to Cash Advances, Balance Transfers and Purchases. Additionally, new Open-End Credit Accounts are charged a one-time Origination Fee, considered a finance charge, which is added to the Account balance.

How We Calculate Your Balance – Average Daily Balance Method. We figure the finance charge on your Account by applying the periodic rate to the "average daily balance" of your Account (including current transactions). To get the "average daily balance" we take the beginning balance of your account each day, add any new cash advances, balance transfers and purchases, and subtract any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."

Interest Rates/Minimum Finance Charge. The interest charge is calculated by multiplying the average daily balance by the daily periodic rate and the number of days in the billing cycle. The daily periodic rate applicable to each Account Type for the Billing Cycle is 1/366th of the Annual Percentage Rate. The ANNUAL PERCENTAGE RATE for each Account Type we will apply is 35.99%, which corresponds to a daily periodic rate of .09833%. There is no minimum FINANCE CHARGE applicable to your Account.

Paying Interest. Except in States with a mandatory Grace Period, interest charges begin from the date of your first Account transaction in which case there is no Grace Period associated with your Account in which to repay your balance before interest will be imposed. In Virginia, the Grace Period is 25 days. When a Grace Period applies, no interest is assessed if you pay in full on or before the next billing date. However, if you fail to make a payment within the Grace Period, interest will accrue on the advance from the date on which the advance was taken.

Fees. We charge the following fees, as applicable, based on your use of your Account:

1)       Participation Fee. We charge a participation fee of $1.36 per day within each 28-day Billing Cycle for participation in our Open-end Credit plan. The annualized amount of this fee is $497.76; however, this Participation Fee is an annual fee billed periodically, so you are only responsible for paying the fee during those billing periods that your Account remains open.

2)       Origination Fee. We charge approved new applicants a $100.00 origination fee added to the balance at account opening.

3)       Balance Transfer Fee. We will add a $50.00 balance transfer fee to all transferred balances. We will add a $75.00 dollar additional fee for all expedited (same day) balance transfer requests.

4)       Credit Limit Increase Fee. If you request that we increase your Account credit limit and we grant your request, we will charge a $50.00 fee to your balance. If we do not approve your increase request, we will not charge your Account the fee.

KS residents - per applicable state law we will not charge a credit limit increase to your Account.

5)       Penalty Fees.

  • Late Payment Fee. KS residents - we will charge a $10.00 fee to your Account if we do not receive your minimum periodic payment by ten (10) calendar days following your Payment Due Date. However, if the minimum periodic payment due on your Account is $25.00 or less, then we will charge a $5.00 fee to your Account. NH residents - we will charge a late fee that is 5% of your minimum periodic payment if your payment is not received within ten (10) calendar days of your Payment Due Date. UT residents - we will charge a $30.00 fee to your Account if we do not receive your minimum periodic payment by seven (7) calendar days following your Payment Due Date. VA residents - we will charge up to a $30 fee, however the late payment fee shall not exceed 5% of the late minimum periodic payment amount.
  • Over-the-limit Fee. We will charge a $40.00 fee to your account if for any reason your Account balance is higher than the credit limit noted on your Periodic Statement. We will not assess your account over-the-limit fees if your balance is higher than your limit if it is due to us decreasing your limit.
  • Returned Payment Fee. We will charge a fee to your Account if any payment check, paper or electronic, or similar instrument, such as a debit card number, is not honored or is returned because it cannot be processed, or if an automatic debit is returned unpaid. We assess this fee the first time a check or payment is not honored, even if it is honored upon resubmission.

    NH residents - the fee amount is $25.00.

    VA residents - the fee amount is $25.00.

    UT residents - the fee amount is $20.00.

    KS residents - the fee amount is $25. You will be given a fourteen (14) day notice that the minimum periodic payment due and the returned payment fee must be paid. If no payment is made within the 14-day period, the returned payment fee will be added to your Account balance to draw interest at the applicable contract rate.

6)       Reinstatement Fee. If you choose to re-activate your Account after it has been closed, we will charge the lesser of $100 or $35 for each month your account was closed.

7)       Alternative Payment Method Fee. At our option, we may authorize alternative forms of payment on your Account. The fee is $5 for each non-ACH payment credited to your Account.

KS residents - per applicable state law we will not charge an alternative payment method fee to your Account if we authorize another form of payment.

We reserve the right to waive all or part of any Fee in certain cases without losing our right to impose such Fee in future Billing Cycles.

 

Payment

 

Minimum Payment. You will always have a minimum amount due as long as your Account is open. For each Account with a balance, you promise to at least pay the Minimum Payment by the payment due date that is reflected on your Periodic Statement. The Minimum Payment is the sum of:

  • Any past due minimum payment amounts;
  • Periodic Minimum Principal Payment for the Billing Cycle;
  • Participation Fee periodically charged in the Billing Cycle;
  • Finance Charge for Billing Cycle; and
  • Any penalty fees assessed during the Billing Cycle.

Periodic Minimum Principal Payment. The Periodic Minimum Principal Payment is calculated as the greater of $5.00 or 2% of the New Balance (the outstanding balance as of the Statement closing date) rounded to the nearest whole dollar amount.

Additional Payment Information. You may at any time and with no penalty pay more than the Minimum Payment or the full amount due. If you pay more than the Minimum Payment and there is still a balance due, you must continue to make the Minimum Payment due in future periods. If we accept any late payment or partial payment, whether or not marked as payment in full, it will not affect the due date of any payment due under this Agreement, it will not act as an extension of time or a waiver of any amount then remaining unpaid, and it will not affect any of our rights under this Agreement, including our right to declare the entire balance in your Account to be due. Credits are not applied to your Minimum Payment.

Electronic Funds Transfer

Account. As a matter of convenience and with your permission, your Account will be funded with an electronic credit entry to the bank account and/or debit card number you provided to us during the Account opening process and all payments made to the benefit of your Account, as reflected on your Periodic Statement, will be made with an electronic debit entry to the same bank account and/or debit card number ("ACH/EFT electronic funds transfer"). If you wish to withdraw consent to preauthorized ACH/EFT electronic funds transfers regarding your Account, please notify us immediately at the contact information located below and we can work together to effect another payment option. However, you will still otherwise be obligated to repay the loans according to the terms of this Agreement.
Authorization and Payments. By executing this Agreement with your electronic signature you authorize us to initiate credit entries to your bank or debit card account you provide, and you likewise authorize us to initiate debit entries to your bank or debit card account for any or all payments on your Account with us as they may become due ("EFT Authorization"). Should you fail to make your scheduled payments, we will attempt to contact you by any means including without limitation email, cell phone, SMS, fax, etc. Your EFT Authorization includes any penalty fees that may be included in your scheduled payments. Any authorization for payment processing via electronic funds transfer that has been made and that you have not withdrawn in a timely fashion will be final. Additionally, you authorize electronic check creation ("ECC")/ remote check creation ("RCC") in the event that one must be used, such as in the case of a stop payment issued on an ACH/EFT electronic fund transfer by your financial institution, unless we receive a notification from you otherwise in a time and manner sufficient to afford us a reasonable opportunity to act on it, in which case we will not use said authorization.
Cancellation and Withdrawal.You may cancel your ACH/EFT Authorization by providing reasonable written notice. You may withdraw authorization of a particular ACH/EFT electronic funds transfer by providing written notice to us at least three (3) business days (Monday through Friday, bank holidays excluded) before the scheduled date of the transfer. If you fail to notify us that you wish to withdraw authorization of an ACH/EFT electronic funds transfer and our authorized electronic payment is returned by your bank, that payment may be resubmitted to your bank regardless of any further instructions from you. PLEASE NOTE: RETURNED ELECTRONIC PAYMENTS PROPERLY AUTHORIZED ARE NOT SUBJECT TO YOUR RIGHTS TO WITHDRAW YOUR CONSENT TO TRANSACT ELECTRONICALLY. Additionally, a returned payment fee of up to $25.00 (as detailed in the Returned Payment section above) may be assessed to your Account. Neither cancellation of your EFT Authorization nor withdrawal of authorization for an ACH/EFT electronic funds transfer relieves you of the responsibility of paying your account in full when due. Written notice under this section shall be made to nhcash.com, LLC, 169 South River Road, Suite 19, Bedford, NH 03110 or to
loans@nhcash.com. 
OUR LIABILITY. IF WE FAIL TO MAKE AN ACH/EFT ELECTRONIC FUNDS TRANSFER OR AUTHORIZATION WITHDRAWAL OR CANCELLATION ACCORDING TO THE TERMS OF THIS AGREEMENT AND YOUR AUTHORIZATION, WE MAY BE LIABLE TO YOU FOR ANY CHARGES IMPOSED BY YOUR FINANCIAL INSTITUTION PROXIMATELY CAUSED BY OUR FAILURE PROVIDED 1.) SUCH A TRANSFER WOULD NOT EXCEED YOUR ESTABLISHED CREDIT LIMIT; AND 2.) WE RECEIVED PROPER NOTIFICATION OF YOUR AUTHORIZATION WITHDRAWAL OR CANCELLATION.
Unauthorized Electronic Funds Transfer. If you believe that an unauthorized ACH/EFT electronic funds transfer was made with regards to your Account, please notify us immediately at nhcash.com, LLC, 169 South River Road, Suite 19, Bedford, NH 03110, loans@nhcash.com or (888) 642-2740. Our customer service representatives are available to assist you Monday through Friday from 8:30AM – 6:30PM ET, bank holidays excluded. For any unauthorized electronic funds transfers you notice on your Statement, please refer to the Billing Rights Notice below and provided on each periodic Billing Statement.
Privacy. Your nonpublic personal information provided pursuant to ACH/EFT electronic funds transfers will adhere to the terms of our Consumer Privacy Statement. Please visit
www.nhcash.com/open/ConsumerPrivacyStatement for more information. We will disclose information to third parties about your Account or the transfers you make: 1) where it is necessary for completing transfers; 2) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant; or 3) in order to comply with a government agency or court orders.

 

Our Rights, And How They Affect You.

 

Disputed Accuracy of Credit Report. We may report information about your Account to credit reporting agencies. Late payments, missed payments, or other defaults on your Account may appear on your credit report. If you think we reported erroneous information to a credit reporting agency, write to us at the address listed below. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please send a copy of that report to us as well. We will promptly investigate the matter and notify you in writing of the results. If we agree with you, we will contact each credit reporting agency to which we reported and request a correction.

Contacting You. In order for us to service your Account or to collect any amounts you may owe, you agree that we may contact you using the contact information related to your Account. We may use any means to contact you, including automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages and phone calls to your cell phone. You are responsible for any service provider charges as a result of us contacting you. You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, e-mail address, or phone number(s) (land and cellular). If you have a joint account, a notice to one of you will serve as a notice to both of you.

Phone Monitoring. We may monitor and record your phone calls with us to assure the quality of our service.

Default. Your Account will be in default if any of the following occur:

  • You fail to pay the Minimum Payment by the Payment Due Date for 90 days;
  • Any payment is dishonored;
  • You violate the terms of this Agreement;
  • You made an untrue statement on your Application; or
  • You file for bankruptcy.

Following your default, we may exercise any rights the law allows, including, but not limited to, the rights to (i) reduce your Credit Line, (ii) suspend or cancel your Account, (iii) refuse to authorize transactions, (iv) accelerate payment of all amounts owing on your Account (that is, we may declare all amounts owing on your Account to be due and payable immediately or according to such accelerated payment schedule as we require) and/or (v) bring an action to collect amounts owed. Unless required by law, we may take any of these actions without notice to you. If we have to refer collection of the Account to an attorney or have to determine the non-dischargeability of the debt in bankruptcy court, you will be responsible for our reasonable attorneys' fees and any court costs, if allowed by law. If we accelerate payment of your Account for failure to pay the Minimum Payment by the Payment Due Date for 90 days, we may without notice or demand, declare the unpaid Outstanding Balance of your Account as of the date of default plus accrued interest and any applicable fees up to 90 days past your default date as immediately due and payable. The acceleration amount due is not a penalty and represents a reasonable estimation of our foreseeable damages in the event of your default, and shall be our sole recourse upon acceleration.

Legal Action, Attorney Fees, Court Costs. NH RESIDENTS, if your Account is in default, we may file a legal action against you with the Merrimack District Court, Hillsborough County, New Hampshire to obtain any outstanding balance(s) on your Account(s). Both parties shall be bound by the Judgment rendered by the Court. If a judgment is awarded against you, you may be responsible for all additional costs associated with nhcash.com obtaining payment in full, which may include returned item fees, late fees, over-the-limit fees, court fees, attorney fees, New Hampshire statutory fees, and/or collection fees as awarded in judgment, and interest on the total amount from the date of default.

Arbitration. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court, and to have a jury trial to resolve their disputes, and (b) agree to instead submit their disputes to a neutral third party (the "Arbitrator") for a decision. THEREFORE, KS, UT AND VA RESIDENTS, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: Any claim or dispute arising from or in any way related to the Agreement must be resolved by binding arbitration in the state where you live instead of a lawsuit.  If you want to opt out of arbitration with us, you must notify us in writing of your decision within ten (10) days following the execution of this Agreement. Our agreement to arbitrate will be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 and the substantive law of your state. You and we agree to use either the American Arbitration Association (www.adr.com) or JAMS, the Resolution Experts (www.jamsadr.com). If a dispute arises, you or we can file a claim with either organization in the office of the selected organization nearest to your residence. If you file a claim against us, we will pay the initial filing fee but we each must pay our own attorney's fees and other costs. Arbitrators can award reasonable attorney's fees and costs to the prevailing party, but neither party shall be permitted to recover punitive, exemplary or multiple damages from the other party. Nothing in our agreement to arbitrate is intended to prevent either of us from filing a lawsuit in an appropriate small claims court for an amount that does not exceed that courts jurisdictional limit; however all other disputes must be arbitrated. If either party attempts to remove a lawsuit initially filed in small claims court to another court, the other party can compel arbitration. Our agreement to arbitrate will survive termination of the Agreement and continue in effect to resolve any disputes between us. Agreeing to arbitration means that you are waiving your right to a trial by jury and your right to have a court resolve your dispute. You are waiving your right to participate in a class action lawsuit and to certain discovery rules that apply in lawsuits. We both agree that neither you nor we will request the arbitration to be conducted as a class-wide arbitration. We both agree that no arbitrator will have authority to certify a class in the arbitration or conduct class-wide arbitration and that the arbitrator can only decide disputes between you and us. If any part of this arbitration agreement is ruled invalid, then any underlying dispute must be resolved by a judge, sitting without jury, in a court of competent jurisdiction, and not as a class action lawsuit.

 

No Waiver of Rights; Partial Payment: We may waive or delay enforcing any of our rights without losing them. For joint accounts, we may waive or delay enforcing a right against one of you without waiving it as to the other. We can accept late or partial payments without losing any of our rights under this Agreement. You agree not to send us partial payments marked "paid in full," "without recourse," or similar language. If you send such a payment, we may accept it without losing any of our rights under this Agreement.

Change in Terms. In accordance with applicable law, we may change the terms of this Account from time to time, which may apply to any unpaid balances, as well as future balances. Advance notice of any changes to your Account will be supplied in accordance with the federal Truth in Lending Act, 12 CFR 226 et seq., and applicable state law.

Change of Address, Employment and Telephone. We will send all written notices and statements to your email address and/or your mailing address as they appear in our records. To receive important notifications and avoid delays and missed payments that could affect your credit standing, you agree to promptly notify us if you change your mailing address, email address, place of employment, or telephone number.

 

Other Contract Provisions

 

Closing Your Account. You may close your Account upon paying your outstanding balance in full and notifying us in writing at the contact information listed below. If you pay your outstanding balance in full but would like to keep your line of credit open, you will be charged the Participation Fee as described above. If you choose to close your Account and would later like to obtain credit, you will have to re-apply.

Contacting Us. Unless specified otherwise in another portion of this Agreement, please submit all questions, required notifications or requests to any of the following contact information:

 

Address: nhcash.com, LLC

169 South River Road, Suite 19

Bedford, NH 03110

Phone: (888) 642-2740 (toll-free)

Email: loans@nhcash.com

 

Our customer service representatives are happy to assist you during our business hours: Monday through Friday from 8:30 A.M. to 6:30 P.M. ET.

Severability. In the event that any provision of this Agreement is determined to be invalid or unenforceable for any reason, the remaining provisions will remain in effect.
Entire Agreement; Interpretation. This Agreement (including the other documents incorporated herein by reference as discussed above) constitutes the final expression of the credit agreement between you and us relating to your Account. The headings used in this Agreement are for the convenience of reference only and are not intended to define or describe the scope or intent of any portion of the Agreement.
Governing Law. This Agreement is entered into between you and us in the State where you reside. Due to the foregoing, this Agreement is governed only by applicable federal law and the laws and regulations of the State of New Hampshire, the State of Utah, the State of Kansas or the Commonwealth of Virginia, based upon your State of residency at the time the agreement is entered into. Military borrowers shall be governed by the applicable Department of Defense Rules, if any rules are applicable to your transaction with us.

Your Billing Rights 

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Please retain a copy of this notice for your files and for future use.

 

Notify Us In Case of Errors or Questions About Your Statement.

If you think your bill is incorrect or if you need more information about a transaction
on your bill, write us (on a separate sheet) at: nhcash.com, LLC, 169 South River Road, Suite 19, Bedford, New Hampshire, 03110.

In your letter, give us the following information:

  • Account Information. Your name and Account number.
  • Dollar Amount. The type (such as fee or balance), date and dollar amount of the suspected error.
  • Description of the Problem. If you think there is an error on your Statement, describe what you believe is incorrect and why you believe there is an error.

You must contact us:

  • Within 60 days after the error appeared on your statement.
  • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
  • In writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

When we receive your letter:

  • Within 30 days of receiving your letter, we must tell you that we received you letter and that we have either already corrected the error or are investigating into the matter.
  • Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

  • We cannot try to collect the amount in question, or report you as delinquent on that amount.
  • We may continue to bill you for the amount in question, including imposing Finance Charges to that amount.
  • While you do not have to pay the amount in question, you are still obligated to pay the parts of your bill that are not in question.
  • We can apply any unpaid amount against your credit limit.

After we finish our investigation and within 90 days of receipt of your original letter:

  • If we made a mistake on your statement: You do not have to pay the amount in question or any finance charges or other fees related to that amount and your statement will reflect this correction.
  • If we do not believe there was a mistake on your statement: You will have to pay the amount in question, along with applicable finance charges and fees. We will send you a statement of the amount you owe and the date that it is due. If you do not pay the amount we think you owe, we may then report you as delinquent on that amount.

If our explanation does not satisfy you, you must write to us within 10 days telling us that you still refuse to pay:

  • If you do so, we cannot report you as delinquent without also reporting that you question your bill.
  • We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

 

If we do not follow these rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.

 

Statement of Affirmation

 

Thank you for doing business with nhcash.com, LLC (hereinafter, "nhcash.com"). Carefully READ and ACCEPT each acknowledgement listed below prior to signing at the bottom of the form. When you complete the form and hit "submit," we will forward funds to your bank account on the next business day using the information you provided. PLEASE RETAIN A COPY OF THIS STATEMENT FOR YOUR RECORDS.

 

I have read, understand and consent to all terms, disclosures and conditions of the Open-end Credit Account Agreement ("Agreement"). By selecting the adjacent boxes and executing this Agreement with my electronic signature, I expressly agree to the following:

 

 

 

 

 

 

  7. You confirm that you are not currently in bankruptcy proceedings, nor do you plan on filing bankruptcy in the future.

  8. You authorize us to obtain credit bureau reports in connection with your request for an Account. We may investigate your credit history and gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit in connection with a revolving credit account with nhcash.com. Upon request, we will tell you whether or not a consumer report was requested and the name and address of any consumer reporting agency that furnished the report. We will report your performance under this Agreement to credit bureaus and others who may properly receive such information.

  9. UT and VA Residents - you agree to arbitrate any claims or disputes that may arise between you and us with respect to the Agreement. You are waiving your right to file a lawsuit and proceed in court, to a jury trial, to participate in a class action lawsuit and to certain discovery rules that apply in lawsuits. NH Residents - you agree that if you are in default, we may file a legal action against you with the Merrimack District Court, Hillsborough County, New Hampshire to obtain any outstanding balance(s) on your Account(s).

Last Name
 
Email Address
Last 4 of SSN
Initial Drawdown Request
Effective Date
  
This is my electronic signature
   
Date
  


NOTE: DEBIT AUTHORIZATIONS MAY BE REVOKED ONLY BY NOTIFYING THE ORIGINATOR IN THE MANNER SPECIFIED IN THE AUTHORIZATION.


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This authorization is to remain in full force and effect until COMPANY has received written notification from me of its termination in such time and in such manner to afford COMPANY and BANK a reasonable opportunity to act on it.


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