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Terms of Use

ADVANCE FINANCIAL WEBSITE TERMS OF USE


Acceptance of the Terms of Use

Welcome to the website of Advance Financial (“Company”, “we” or “us”). The following terms and conditions, together with any documents they expressly
incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of our website: www.af247.com (the “Website”) including any content, functionality and services offered on or through, whether as a
guest or a registered user.

Advance Financial offers short term, high interest Flex loans. A Flex loan is a loan provided pursuant to a written agreement between a licensee and a
customer establishing an open-end credit plan under which the licensee contemplates repeated noncommercial loans for personal, family, or household
purposes, that: (A) may be unsecured or secured by personal property; (B) may be without fixed maturities or limitation as to the length of term; and (C)
are subject to prepayment in whole or in part at any time without penalty. Flex Loans should be used to address short term financial needs only. If you are
experiencing financial difficulties, you should consult a financial advisor. Flex Loans are governed by the terms of our loan agreement and the applicable
laws of the State of Tennessee. If you believe our Flex Loans do not comply with Tennessee law, you may file a complaint with the Tennessee Department of
Financial Institutions, 312 Rosa L. Parks Ave, 26th Floor, Nashville, TN 37243, 615 741-2236.

Please read these Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these
Terms of Use and our Privacy Policy, found at http://www.af247.com/privacy-policy/, incorporated herein
by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age
to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must
not access or use the Website.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to
all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and
agree to the changes. You are expected to check this page frequently so you are aware of any changes since all changes are binding on you.

Accessing the Website and Account Security

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We
will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access
to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for:

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition
of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide
to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our
Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such
information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and
agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree
to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that
you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so
that others are not able to view or record your password or other personal information.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for
any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

Intellectual Property Rights

The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and
audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by
United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Website for your personal use only. You must not reproduce, distribute, modify, create derivative works of,
publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:

You must not:

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use,
your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right,
title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the
Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and
other laws.

Trademarks

The Company name, the Company logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its
affiliates, partners or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and
service names, designs and slogans on this Website are the trademarks of their respective owners.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

Additionally, you agree not to:

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness
or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility
arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

This Website may include content provided by third parties, including materials provided by other users and third-party licensors, syndicators, aggregators
and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content,
other than the content provided by the Company, are solely the statements, opinions and the responsibility of the person or entity providing those
materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the
content or accuracy of any materials or services provided by any third parties.

Changes to the Website

We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website
may be out of date at any given time, and we are under no obligation to update such material.

Information About You and Your Visits to the Website

All information we collect on this Website is subject to our Privacy Policy http://www.af247.com/privacy-policy/. By using the Website, you consent to all actions taken by us with
respect to your information in compliance with the Privacy Policy.

Online Purchases and Other Terms and Conditions

All loans issued through our site or other transactions for the sale of goods, or services formed through the Website or as a result of visits made by you
are governed by the loan terms you agree to when you request a loan, which are hereby incorporated into these Terms of Use.

Linking to the Website and Social Media Features

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must
not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

You must not:

The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in
these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission
without notice.

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes
links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources,
and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party
websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Geographic Restrictions

The owner of the Website is based in the State of Tennessee in the United States. We provide this Website for use only by persons located in the United
States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not
be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are
responsible for compliance with local laws.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses
or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for
anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE
WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY
INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED
THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES
OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY,
RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY
REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR
UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT
THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF
MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY
KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON
THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS
OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH
OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers,
directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments,
awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your
use of the Website, including, but not limited to, any use of the Website’s content, services and products other than as expressly authorized in these
Terms of Use or your use of any information obtained from the Website.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including
non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Tennessee without giving
effect to any choice or conflict of law provision or rule (whether of the State of Tennessee or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts
of the United States or the courts of the State of Tennessee in each case located in the City of Nashville and County of Davidson. You waive any and all
objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE
CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Waiver and Severability

No waiver by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition
or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a
waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any
reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full
force and effect.

Entire Agreement

The Terms of Use, our Privacy Policy and our Terms of Sale constitute the sole and entire agreement between you and Advance Financial with respect to the
Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the
Website.

Your Comments and Concerns

All other feedback, comments, requests for technical support and other communications relating to the Website should be directed to: help@af247.com

Thank you for visiting the Website.