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Terms of Use

Effective Date: May 6, 2026

These Terms of Use (“Terms”) govern your access to and use of the Lafet mobile application, related website, and associated services (collectively, the “App”), operated by Cash Advance for CO Inc. (“we,” “us,” or “our”). By downloading, accessing, or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not access or use the App.

Cash Advance for CO Inc. is not a lender and does not make credit decisions. The App functions as a matching platform that connects users with independent third-party financial partners. Lending decisions, loan terms, repayment obligations, and contractual relationships are determined exclusively by those third-party providers.

Plain-language overview. These Terms are a contract between you and Cash Advance for CO Inc. about using Lafet and this website. We provide matching, routing, and related technology services. We are not your lender and we do not set APR, fees, funding dates, or collections policies for any third-party product. Numbered headings use a closing parenthesis after the reference (for example, 1) and 1.1)) so you can quote them in email to support.

Related documents: for data collection, sale/sharing, and privacy rights, read our Privacy Policy. For consumer reports and credit inquiries, read our Credit Authorization. Nothing here overrides disclosures or agreements that a lender gives you at the time of an offer.

The Annual Percentage Rate (“APR”) represents the annualized cost of borrowing and may include both interest and applicable fees. Offers available through the App can vary up to 35% APR depending on your profile, the requested amount, term length, the lender’s underwriting criteria, and applicable law.

You will always be shown the final APR and key cost information before you accept any offer.

How to compare APR. APR bundles interest and many common fees into a single annualized figure so you can compare offers, but it assumes you hold the loan for the full term and make every payment on time. If you pay late, pay optional fees, or pay off early, your actual cost may differ. State law may cap rates or fees for certain products; where a cap applies, the lender’s offer should reflect it.

Variable vs. fixed. Some products use a fixed APR for the life of the loan; others may allow changes only where permitted by the agreement and law. The lender’s disclosure and note explain which applies.

Repayment terms vary by lender and product. Typical repayment periods range from 3 months (approximately 90 days) up to 24 months (2 years), though some offers may be shorter or longer if permitted by law. Before accepting any offer, you will receive a repayment schedule clearly stating the number of payments, the amount of each payment, and due dates.

Amortization and total cost. Installment products usually allocate early payments partly to interest and partly to principal. Your schedule should show the total finance charge and total of payments. If anything is unclear, ask the lender before you sign—small differences in rate, term, or fees can materially change the total you repay.

Payments are generally made in fixed scheduled installments. Depending on the lender and product, payment frequency may be weekly, biweekly, semi-monthly, or monthly. Repayments are typically processed by electronic bank transfer (ACH debit) from your designated bank account, though some lenders may offer alternatives. You are responsible for ensuring sufficient funds are available on each due date to avoid late fees or returned payment fees as permitted by law.

Returned payments. If an ACH debit is returned for insufficient funds or account closure, lenders may charge an NSF or returned-payment fee (where allowed), attempt a re-presentment if permitted, and report delinquency according to your agreement and law. Repeated failures can result in default acceleration or collections activity by the lender—not by Cash Advance for CO Inc.

Potential fees associated with an offer (for example: origination fees, late fees, returned payment/NSF fees, or expedited funding fees if offered) will be clearly disclosed before you accept the offer. You will have an opportunity to review the total cost of credit (including interest and fees) before agreeing to any loan or cash advance.

Fee caps and refunds. Some fees are regulated by state or federal law (for example, certain origination or late-fee practices). If a lender advertises “no hidden fees,” you should still see every charge itemized in the disclosure package before consent. Ask the lender how refunds work if you cancel before funding or rescind where a right of rescission applies.

Many lenders available through the App permit early payoff without a prepayment penalty, which may reduce the total interest you pay. Policies vary by lender and state, so review your agreement to confirm how early payoff is handled.

Before you finalize any loan or cash advance, you will receive a standardized cost disclosure (such as a Truth-in-Lending Act (TILA) disclosure or equivalent summary), outlining APR, finance charges, total amount of payments, payment schedule, and applicable fees. Review these disclosures carefully before accepting an offer.

Regulatory formats. Depending on the product, you may receive a Truth in Lending disclosure, a Military Lending Act disclosure if applicable, state-specific notices, and electronic consent logs. Keep copies for your records. If a disclosure conflicts with marketing copy, the signed disclosure and loan agreement typically control.

To access or use the App and request financial products, you must:

  • Be 18 or older (or the age of majority in your state of residence)
  • Be a lawful resident of the United States
  • Have legal capacity to enter into binding agreements
  • Have a valid SSN or ITIN as required by applicable law
  • Maintain an active checking account in your name at a U.S. financial institution
  • Have a verifiable, consistent source of income
  • Provide information that is accurate, complete, and current
  • Use the App solely for lawful, personal, non-commercial purposes

You are responsible for safeguarding your account credentials and for all activity conducted through your account. If you believe your account has been accessed without authorization, notify us at support@cashadvanceforco.com.

Accuracy and fraud. Typos in income, employment, or bank details can delay matching or trigger extra verification. Intentionally false information can violate law and lender policies. If you are helping someone else (for example, a family member), you must have lawful authority to submit their data; otherwise do not use the App on their behalf.

State and product limits. Lenders may not offer every product in every state. Eligibility lists in the App are informational; a lender makes the final decision after its own checks.

The App helps you explore, compare, and connect with potential financial offers. You can submit a request that may include personal, employment, and banking details; be matched with participating financial institutions; and review potential terms before deciding whether to proceed.

Any loan agreement, funding, repayment plan, or other credit arrangement is executed directly between you and the lender or financial service provider. We do not control or guarantee approvals, APR, repayment schedules, exact terms, or a lender’s customer service policies.

Support boundaries. We may help with technical access to the App, account recovery, or general questions about our policies. We cannot change a lender’s decision, alter a credit report, or bind a lender to a specific rate. Billing disputes, payment arrangements, and payoff quotes are handled by the lender or servicer shown on your agreement.

Marketing and ranking. Partners may pay for placement or priority. Paid placement does not guarantee approval or “best” terms for your situation—you should still compare APR, fees, and total cost.

Some features require an account. When registering, you agree to provide accurate information and keep it updated. You must not share credentials, use another person’s identity, or misrepresent information. We may verify identity and may suspend, limit, or terminate access if we suspect fraud or unauthorized use.

Device and session security. Use a passcode or biometric lock on your phone, avoid jailbroken/rooted devices for financial apps when possible, and log out on shared devices. If you change phone numbers or email addresses, update your profile so you continue to receive security alerts and disclosures.

By using the App, you consent to receive electronic communications from us and, where applicable, from our partners. These may include emails, text messages (SMS) including one-time verification codes, in-app notifications, and electronic agreements, disclosures, and notices.

You agree that electronic records and signatures have the same legal effect as paper documents and handwritten signatures under the E‑SIGN Act and applicable state law. You may withdraw consent by contacting support@cashadvanceforco.com, but doing so may prevent use of certain features.

Keeping your contact info current. Legal notices may be delivered to the email or phone number on file. You are responsible for reading them promptly. If messages go to spam, adjust your filters so you receive lender and verification emails.

By submitting information through the App, you authorize Cash Advance for CO Inc. to:

  • Collect, use, and process your information as described in our Privacy Policy
  • Transmit relevant information to participating financial institutions and service providers to evaluate your request
  • Use third-party tools to help verify identity, income, and bank account ownership

You represent that the information you provide is truthful, current, and complete. Submitting false or misleading information may result in denial of your request, suspension/termination of access, and other actions permitted by law.

Third-party verification. We and partners may use bank-linking tools, document upload, phone OTP, knowledge-based authentication, or bureau data to confirm identity and income. Those vendors process data under their own agreements and security standards, in addition to our Privacy Policy.

The App is provided at no direct cost to users. We do not charge you a fee to download or use the App as a consumer.

We may receive a referral fee, marketing fee, or other compensation from lender or marketing partners when users are connected through the App or obtain a product through a partner. Compensation does not change the terms offered by a lender.

No consumer fee from us. We do not charge you a separate “application fee” to use the App as described here. Partners may charge their own fees, which appear only in their disclosures and agreements. If you ever see a charge you do not recognize, contact your bank and the merchant descriptor shown on the statement; for App issues, contact support@cashadvanceforco.com.

You agree to use the App only in compliance with these Terms and applicable law. You may not:

  • Use the App for unlawful, fraudulent, or misleading purposes
  • Interfere with App security or attempt unauthorized access
  • Use automated tools (bots/scrapers) without written permission
  • Upload malware or harmful code
  • Reverse-engineer or decompile the App except where permitted by law
  • Copy or distribute App content without permission
  • Send unsolicited messages or spam
  • Impersonate any person or entity

Enforcement. We may investigate abuse, cooperate with law enforcement, preserve records, and seek injunctive or other relief where permitted. Partners may independently block traffic or accounts linked to fraud rings.

The App may display or link to third-party websites, services, and offers. Those third parties operate under their own terms and privacy policies. We are not responsible for third-party content, availability, fees, APRs, underwriting, approvals, fulfillment, customer service, or disputes.

Deep links and co-branding. Some screens may frame or link to partner flows. Once you leave our App or pass data to a partner, that partner’s terms and privacy notice govern their collection and use unless otherwise stated at the point of collection.

App content and technology are owned by Cash Advance for CO Inc. or its licensors and are protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable, revocable license for personal, lawful, non-commercial use.

Trademarks. “Lafet,” partner logos, and other marks are property of their owners. No license to use marks is granted except as needed to display the App faithfully on your device.

If you submit feedback, you grant Cash Advance for CO Inc. a worldwide, royalty-free, irrevocable, perpetual license to use it without compensation.

No obligation to respond. Feedback is voluntary. We may use ideas without crediting you or paying royalties, consistent with the license above. Do not submit confidential information you expect to keep secret.

THE APP AND ALL RELATED INFORMATION, TOOLS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT.

CASH ADVANCE FOR CO INC. IS NOT A LENDER. APPROVAL, FUNDING, AND TERMS ARE DETERMINED SOLELY BY THIRD‑PARTY LENDERS AND ARE NOT GUARANTEED.

No professional advice. Nothing in the App is tax, legal, accounting, or credit counseling advice. If you are unsure whether a product is suitable, consult a qualified professional before borrowing.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CASH ADVANCE FOR CO INC. AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OR ANY LOSS OF PROFITS, REVENUE, OR DATA ARISING OUT OF OR RELATED TO YOUR USE OF THE APP OR ANY THIRD‑PARTY PROVIDER.

IF LIABILITY IS FOUND DESPITE THESE LIMITATIONS, OUR TOTAL LIABILITY WILL NOT EXCEED USD $100.

Allocation of risk. These caps reflect that the App is offered broadly at no direct charge and that lenders assume underwriting and credit risk. Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the maximum permitted by law.

You agree to defend, indemnify, and hold harmless Cash Advance for CO Inc. and its affiliates from claims arising out of your use of the App, violation of these Terms, violation of law, or infringement of others’ rights.

Cooperation. You agree to notify us promptly of claims, provide reasonable assistance in defense, and not settle any matter that imposes a duty on us without our consent where law allows.

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules, and applicable federal law.

Except where prohibited by law, disputes will be resolved by binding individual arbitration under the Federal Arbitration Act (FAA) rather than in court. Class actions and representative proceedings are not permitted.

Before initiating arbitration, you agree to contact us at support@cashadvanceforco.com and provide a written description of the dispute. We will attempt to resolve the dispute informally within 30 days.

Arbitration basics. Arbitration uses a neutral arbitrator instead of a judge or jury. Discovery and appeal rights may be more limited than in court. The arbitrator can award the same individualized damages and relief a court can award. If any part of this arbitration clause is unenforceable, the remainder stays in effect to the fullest extent permitted.

Small claims. Either party may bring an individual action in small claims court if the matter qualifies and remains in that court.

We may add, change, or remove features; suspend parts of the App; or perform maintenance without notice. We are not responsible for loss caused by service interruptions.

Dependencies. The App relies on app stores, device manufacturers, carriers, internet providers, and partner APIs. Failures outside our reasonable control may affect availability even when our systems are healthy.

We may suspend or terminate access if you violate these Terms, applicable law, or if your use is harmful to the App, partners, or users. You may stop using the App at any time by uninstalling it.

Survival. Sections that by their nature should survive (including payment of amounts owed to us if any, disclaimers, limitations, indemnity, arbitration, and governing law) continue after termination.

We may update these Terms from time to time. We will update the Effective Date and, for material changes, provide additional notice in the App and/or by email. Continued use after changes become effective means you accept the updated Terms.

Material changes. For changes that substantially affect your rights, we will use reasonable efforts to provide prominent notice (for example, in-app banner, email, or updated Effective Date with summary). If you disagree with an update, stop using the App and delete your account if applicable.

These Terms are between you and Cash Advance for CO Inc., not Apple. Apple is not responsible for the App, and Apple has no obligation to provide support or maintenance. Apple and its subsidiaries are third-party beneficiaries and may enforce these Terms against you.

Other stores. If the App is distributed through other platforms, supplemental platform terms may apply as presented at download.

Website: https://cashadvanceforco.com
Email: support@cashadvanceforco.com
Privacy Policy: Privacy Policy

Response times. We aim to acknowledge general inquiries within a few business days. Legal requests (for example, subpoenas) should identify the matter clearly and include return contact information. We cannot provide lender-specific payoff or underwriting answers—contact your lender for those requests.