As a responsible lender, we commit to you that this loan product abides by all applicable laws and that we strive for the utmost level of transparency and fairness. Responsible Lending
NOT FOR ALL FINANCIAL NEEDS: This loan is designed to help with your immediate cash needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution. You may choose to consult a consumer credit counseling service for other options.
TRANSPARENCY OF COSTS FOR YOUR LOAN: The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the principles of federal truth in lending law and regulations. For details on the specific costs of your loan, please see your personalized loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement. We will never charge you any "hidden fees" that are not fully disclosed in the loan agreement or the Loan Cost & Terms.
RIGHT OF RESCISSION: If you change your mind about the loan, you may rescind your loan at no charge as long as you return the loan proceeds within the number of days specified in your loan agreement.
IMPLICATIONS OF LATE AND NON-PAYMENT: If you don't make a payment on time we will attempt to contact you via one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. All of our collections methods will be in accordance with the principles of the federal Fair Debt Collection Practices Act (FDCPA). In addition, we may re-present any returned payments to your bank in accordance with applicable law and regulatory requirements. If we are unable to reach you or we are unable to collect against your debt we may place or sell your debt with third party collection agencies. However, we only contract with collection agencies that agree to follow the FDCPA. Furthermore, since we may report loan payments to one or more credit bureaus, late or non-payment of your debt may impact your credit rating. As noted above, late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement.
RESPONSIBLE RENEWALS AND REFINANCING OPTIONS (SUSTAINED USE): This is a short term loan, you can either pay the loan off according to the terms of the loan agreement or pay it off early to save additional finance charges. If you become eligible we will notify you of any new loan options you may have. We will not change your loan without your express permission pursuant to the terms of your loan agreement. We strongly encourage principal reduction and early payment to reduce your additional finance charges.
We will restrict your ability to renew or refinance your loan after you have had an outstanding balance with us for a period of 12 consecutive months. After you have paid in full the outstanding balance of your loan account, you may apply for a new loan. Depending on the payment method you choose, it may take 1-3 business days to process the payment that brings your account balance to $0.
COMPLIANCE WITH LAWS: We abide by all applicable State and Federal law in accordance with the choice of law provision as governed by the state of Utah. As such, we follow the principles of applicable federal lending laws where they don't conflict with the choice of law provision. These laws include (but are not limited to):
COMPLIANCE WITH NAFSA BEST PRACTICES: We fully comply with the best practices established by the Online Lenders Association (OLA).
CONTACTING US: We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have. Please see Contact Us for details.
General Policy Statement
Sigma Solutions Inc. (“SIGSOLINC”) is providing you the following information in a manner consistent with principles under United States federal law. It is the policy of SIGSOLINC to make credit products and associated loan operations support services available to all qualified applicants without discriminating on the basis of race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); the fact that all or part of the applicant’s income derives from any public assistance program; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
It is SIGSOLINC policy to treat all consumers consistently and fairly. The standard for all employees is to provide service in a fair, equitable, and consistent manner. SIGSOLINC is committed to making credit products and services available to diverse communities and customers on an equal opportunity basis. This commitment is reflected in formal processes and systems designed to ensure compliance with fair lending requirements. SIGSOLINC dedicates information and training resources in an ongoing effort to maintain a high level of employee awareness for providing credit products and services in a fair, equitable, and consistent manner.
You authorize Sigma Solutions Inc. (“us” or “we”) to verify the information given in connection with this loan application, and you give us consent to obtain information about you from a consumer reporting agency or other sources to verify all of the information you have provided us, including past and/or current information. If there is any missing or erroneous information in or with your loan application regarding your Bank Account (including without limitation your bank, bank routing number, or account number), you authorize us to verify and correct such information.
SIGSOLINC will not engage in advertising practices or other outgoing communications that would discourage on a prohibited basis the making or pursuing of an application for credit.
SIGSOLINC will provide notices of action taken on loan applications in a manner consistent with the principles of the Equal Credit Opportunity Act and Federal Reserve Board Regulation B.
CREDIT REPORTING DISCLOSURE
We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your Loan may be reflected in your credit report.
COLLECTION AND USE OF BANK ACCOUNT AND OTHER INFORMATION ABOUT YOU
As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.
COOKIES AND ONLINE ADVERTISING
Automatic Logging of Session Data
We automatically log generic information about your computer and your computer's connection to the Internet, which we call "session data". Session data consists of things such as device information, IP address, operating system and browser software information, and the activities conducted by the user while on our site. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor's Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We also collect and use session data to help prevent fraud or unauthorized use of our site. Session data is sometimes shared with third parties.
PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS OF USE BEFORE USING THIS SITE. ANY USE OF THIS WEBSITE CREATES A BINDING AGREEMENT TO COMPLY WITH THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU SHOULD EXIT THIS SITE IMMEDIATELY.
The following are terms of a legal agreement (the “Agreement”) between you and SIGSOLINC (“SIGSOLINC”, “we”, “us”, or “our”) that sets forth the terms and conditions for your use of this web site (the “Site”). This Site is being provided to you expressly subject to this Agreement. By accessing, browsing and/or using this site (“Site”), you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of our bargain.
We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes. We may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability.
Limitation of Use
The copyright for all material on this Site, including without limitation the text, data, articles, design, source code, software, photos, images and other information (collectively the “Content”), is held by SIGSOLINC or by the original creator of the material and is protected by U.S. and International copyright laws and treaties. You agree that the Content may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of SIGSOLINC. You acknowledge that the Content is and shall remain the property of SIGSOLINC. You may not modify, participate in the sale or transfer of, or create derivative works based on any Content, in whole or in part. The use of the Content on any other Site, including by linking or framing, or in any networked computer environment for any purpose, is prohibited without SIGSOLINC’s prior written approval. You also may not, without SIGSOLINC’s express written permission, “mirror” any material contained on this Site on any other server. Any unauthorized use of any Content on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications statutes and regulations.
You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content of Site that would constitute a violation of any applicable law, regulation, rule or ordinance of any national, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Site, including but not limited to unauthorized entry into SIGSOLINC’s systems, misuse of passwords, or misuse of any information posted on the Site is strictly prohibited. SIGSOLINC makes no claims concerning whether the Content may be downloaded or is appropriate for use outside of the United States. If you access this Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction. Your eligibility for particular products or services is subject to final determination by SIGSOLINC.
SIGSOLINC (including the SIGSOLINC logo, and all related logos (collectively the “SIGSOLINC trademarks”) are trademarks, service marks or licensed brands of SIGSOLINC. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by SIGSOLINC or others. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the SIGSOLINC trademarks displayed on this Site, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site unless in accordance with written authorization by us. We prohibit use of any of the SIGSOLINC trademarks, service marks or licensed brands as part of a link to or from any site unless establishment of such a link is approved in writing by us in advance. Any questions concerning any SIGSOLINC trademarks, or whether any mark or logo is a SIGSOLINC trademark, should be referred to SIGSOLINC.
Links to Third-Party Sites
Disclaimer of Warranties
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS AND CONTENT ARE PROVIDED “AS IS”, “AS AVAILABLE,” WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE CONTENT. SIGSOLINC DOES NOT WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.
SIGSOLINC MAY DISCONTINUE OR MAKE CHANGES IN THE CONTENT AND SITE AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND SIGSOLINC DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. SIGSOLINC RESERVES THE RIGHT TO TERMINATE ANY OR ALL SITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO YOU. THIS SITE COULD CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. USE OF THIS SITE IS AT YOUR OWN RISK.
Limitation of Liability
IN NO EVENT WILL SIGSOLINC BE LIABLE FOR ANY DAMAGES INCLUDING GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR ANY OTHER DAMAGES, LOSSES OR EXPENSES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR BUSINESS INTERRUPTION) OF ANY KIND WHETHER IN AN ACTION IN CONTRACT OR NEGLIGENCE ARISING OR RELATING IN ANY WAY TO THE USE OR INABILITY TO USE BY ANY PARTY OF THE CONTENT, THE SITE OR ANY THIRD-PARTY SITE TO WHICH THIS SITE IS LINKED, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF SIGSOLINC, OUR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. [YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THE SITE.] IF YOUR USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT SIGSOLINC’S TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
You agree to indemnify and hold harmless SIGSOLINC from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by SIGSOLINC in connection with any claim by a third party (including any intellectual property claim) arising out of (i) materials and content you submit to, post to or transmit through the Site, or (ii) your use of the Site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. SIGSOLINC reserves the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of SIGSOLINC.
Monitoring of the Site
SIGSOLINC has no obligation to monitor the Site; however, you acknowledge and agree that SIGSOLINC has the right to monitor the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation, or other governmental request, to operate the Site, or to protect itself or other users of the Site.
Use of Personally Identifiable Information
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. By offering this site and Content no distribution or solicitation is made by SIGSOLINC to any person to use the Site or Content in jurisdictions where the provision of the site and/or content is prohibited by law.
This Agreement is effective until terminated by SIGSOLINC. SIGSOLINC may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Site at any time, with or without cause, in SIGSOLINC’s absolute discretion and without notice. The following provisions of the Agreement shall survive termination of your use or access to the Site: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Applicable Law and Dispute Resolution, and General Provisions, and any other provision that by its terms survives termination of your use or access to the Site.
Failure by SIGSOLINC to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.
Applicable Law and Dispute Resolution
This Agreement and all other aspects of your use of the Site shall be governed by and construed in accordance with the laws of the State of Utah, to the extent applicable, to the laws of the United States. You agree that you will notify SIGSOLINC in writing of any claim or dispute concerning or relating to the Site and the information or services provided through it, and give SIGSOLINC a reasonable period of time to address it BEFORE bringing any legal action, either individually, as a class member or representative, or as a private attorney general, against SIGSOLINC.
This Agreement shall be subject to any other agreements you have entered into with SIGSOLINC.
Certain sections or pages on the Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.
If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
© 2015 Sigma Solutions Inc. All Rights Reserved
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is licensed by SIGSOLINC unless otherwise indicated.
OFFERS VOID IN SOME STATES
The offers advertised on this site may be void in some states.
Keeping your financial and personal information secure and confidential is our utmost priority.
HOW DO WE PROTECT YOUR PERSONAL INFORMATION?
We understand how important security and privacy are to you. Here are just a few of the steps we take to protect your personal information:
Computer virus protection helps to detect and prevent computer viruses from entering our computer network systems.
Firewalls help to block unauthorized access by individuals or networks.
Secure data transmissions help to ensure that information remains confidential. We use 128 bit Secure Socket Layer (SSL) encryption to transmit information to you and your bank.
WHAT CAN YOU DO TO PROTECT YOUR PERSONAL INFORMATION?
You play a very important role in protecting your information. Here are some tips to help keep your personal information protected.
We recommend that you use a recent version of Microsoft Internet Explorer, Google Chrome or Mozilla Firefox to access our web site. These browsers support the latest encryption and will help to ensure that your connection to us is secure.
Choose passwords that are difficult for others to guess. Don't use personal information such as your birth date, address or pet's name as a password. Keep your passwords for each account unique, and don't write your passwords down in a place where others could find them.
Use antivirus and firewall software to protect your computer. Keep your operating system up to date and install the latest security patches. See the links below for more information on protecting your PC.
Remember that we will never ask for personal information such as passwords and account numbers through email.
Stay Alert! If you notice anything suspicious, please contact us immediately.
Check your credit report at least once a year to make sure there is no unauthorized activity. See below for information on obtaining a free credit report.
WANT TO LEARN MORE?
Here are some links to learn more about protecting your personal information and preventing identity theft:
FTC Tips on Information Security
FTC Identity Theft Information
Microsoft Security Home Page (for Windows users)
Information on Obtaining Free Credit Reports