CAC Terms of Use

Credit Access Business Terms

This CAC Terms of Use applies to Cash Loans Bear LLC ("Cash Loans Bear," "we," "us," or "our") in connection with our role as a loan-matching service and our interactions with Credit Access Businesses (CACs) and consumers. Cash Loans Bear connects consumers with Participating Network Lenders and CACs that facilitate credit transactions. This page describes the operational disclosures and terms applicable to our matching service as it relates to CAC arrangements.

1. Cash Loans Bear's Role

Cash Loans Bear is a loan-matching service. We are not a Credit Access Business and we do not originate, broker, or service loans. We do not act as an agent for any CAC or lender. Our role is limited to submitting consumer loan requests to Participating Network Lenders and CACs. Any loan offer or credit extension a consumer receives will come directly from a Participating Network Lender or CAC, not from Cash Loans Bear.

2. CAC Disclosures

In states where Credit Access Businesses are regulated (including Texas, Ohio, and other applicable jurisdictions), the following disclosures apply:

• Not a lender: Cash Loans Bear is not a CAC and does not arrange or broker credit extensions. We provide matching services only.
• Lender responsibility: Any CAC or Participating Network Lender that extends credit to a consumer is solely responsible for complying with all applicable state licensing, disclosure, and operational requirements.
• Fees: Cash Loans Bear does not charge consumers any fees for using our matching service. Any fees associated with a loan are charged by the Participating Network Lender or CAC and must be disclosed by them.
• APR and terms: The APR and repayment terms offered by a CAC or Participating Network Lender are determined solely by that entity. APRs range from 5.99% to 35.99%, and repayment terms range from 65 days to 84 months.

3. Consumer Acknowledgment

By submitting a loan request through our Site, you acknowledge that:

• Cash Loans Bear is a matching service and not a CAC or lender.
• Any loan you receive will be from a third-party CAC or Participating Network Lender, not from Cash Loans Bear.
• You should review all loan terms, fees, and disclosures provided by the CAC or Participating Network Lender before accepting any offer.
• Cash Loans Bear does not guarantee loan approval or specific loan terms.

4. Use of the Site

You agree to use our Site only for lawful purposes and in compliance with all applicable federal, state, and local laws. You agree not to:

• Submit false, inaccurate, or misleading information.
• Use the Site to commit fraud or any other unlawful activity.
• Interfere with or disrupt the operation of the Site.
• Attempt to gain unauthorized access to our systems or data.

5. Limitation of Liability

Cash Loans Bear is not liable for any loan terms, fees, or actions taken by a CAC or Participating Network Lender in our network. We are not responsible for a Participating Network Lender's or CAC's compliance with applicable laws. Our liability is limited to the matching service we provide, and we do not guarantee any outcome from using our service.

6. Privacy and Data

Information you submit through our Site is handled in accordance with our Privacy Statement and applicable state privacy laws. We share your information with Participating Network Lenders and CACs to facilitate loan matching.

7. Changes to These Terms

We may update these CAC Terms of Use from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our Site after changes constitutes acceptance of the revised terms.

8. Contact Us

If you have questions about these CAC Terms of Use, please contact us:

• Email: support@bearlendnow.com
• Address: Cash Loans Bear LLC, 100 S. Main Street, Suite 500, Los Angeles, CA 90012
• Hours: Mon – Fri, 8:00 AM – 8:00 PM EST