Terms of Service

Welcome to Local Payday Hub. These Terms of Service ("Terms") govern your access to and use of our website, services, and platform (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Service.

1. Acceptance of Terms

By accessing or using Local Payday Hub, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Service.

2. Description of Service

Local Payday Hub is a directory platform that provides information about financial service providers, including banks, credit unions, lenders, and other financial institutions across the United States. We aggregate and display publicly available information to help users find financial services in their area.

Important: Local Payday Hub is an informational directory only. We are not a financial institution, lender, or financial advisor. We do not provide financial services, loans, or financial advice. We do not endorse, recommend, or guarantee any financial service provider listed on our platform.

3. User Responsibilities

When using our Service, you agree to:

• Use the Service only for lawful purposes and in accordance with these Terms
• Provide accurate and truthful information when submitting listings or contacting us
• Not use the Service to transmit any harmful, offensive, or illegal content
• Not attempt to gain unauthorized access to our systems or interfere with the Service
• Not use automated systems (bots, scrapers) to access the Service without permission
• Respect the intellectual property rights of Local Payday Hub and third parties

4. Business Listings

4.1 Submission of Listings

If you submit a business listing to our directory, you represent and warrant that:

• You have the authority to submit the listing on behalf of the business
• All information provided is accurate, current, and truthful
• The business is legally authorized to operate in the jurisdiction where it is located
• You will update the listing if any information changes

4.2 Listing Moderation

We reserve the right to review, edit, reject, or remove any listing at our sole discretion. We may remove listings that contain inaccurate information, violate these Terms, or are otherwise inappropriate.

5. Intellectual Property

The Service and its original content, features, and functionality are owned by Local Payday Hub and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service without our prior written consent. You may not reverse engineer or attempt to extract the source code of our Service.

6. Disclaimers and Limitations of Liability

6.1 No Financial Advice

The information provided on Local Payday Hub is for informational purposes only. We do not provide financial, legal, or professional advice. You should consult with qualified professionals before making any financial decisions.

6.2 Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or timeliness of all information displayed on our Service. Business information, contact details, and service offerings may change without notice.

6.3 Third-Party Services

Our Service contains links to third-party websites and services. We are not responsible for the content, privacy practices, or terms of service of third-party sites. Your interactions with third-party providers are solely between you and the provider.

6.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOCAL PAYDAY HUB SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

7. Indemnification

You agree to indemnify, defend, and hold harmless Local Payday Hub, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your use of the Service, violation of these Terms, or infringement of any rights of another.

8. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Local Payday Hub operates, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised Terms.

11. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Local Payday Hub regarding the use of the Service and supersede all prior agreements and understandings.

13. Contact Information

If you have any questions about these Terms of Service, please contact us: