Responsible lending

Noxti Money LLC (“Noxti Money,” “we,” “us,” or “our”) operates APPNAME to help consumers explore personal loan options from independent third-party lenders. We are not a lender. We do not make credit decisions, set interest rates, or originate loans. Responsible lending, in our context, means: (1) designing our service to support transparency and informed choice; (2) expecting our lender partners to comply with applicable federal and state law; (3) avoiding practices that mislead consumers about the nature of credit; and (4) encouraging consumers to borrow only what they can reasonably afford to repay and to read all disclosures before signing.

Consumer protection principles

We strive to present APPNAME in a way that clearly distinguishes our role as a technology and matching service from the role of lenders that extend credit. Marketing and in-app content should not suggest that approval is guaranteed, that “everyone qualifies,” or that a particular rate is available to all users. Where we show illustrative rates, amounts, or terms, we accompany them with context that actual offers depend on lender approval and individual circumstances.

We maintain a Privacy Policy that describes how we collect, use, disclose, and retain personal information, including for purposes of matching you with lenders and service providers. We provide mechanisms for marketing opt-out where required and honor applicable consumer rights requests in accordance with law and our policies.

We use commercially reasonable administrative, technical, and physical safeguards designed to protect the information you submit through APPNAME against unauthorized access, loss, or misuse, consistent with the nature of the data and industry practice. No method of transmission over the Internet is completely secure; you should protect your account credentials and devices accordingly.

Fair pricing and transparency

While lenders—not Noxti Money—determine the pricing of any loan, we expect lenders in our network to provide disclosures required by the Truth in Lending Act (TILA), Regulation Z, and applicable state laws before you become obligated on a loan. These disclosures typically include the APR, finance charge, amount financed, total of payments, payment schedule, and any prepayment penalties or fees that must be included in the APR.

We encourage you to compare multiple offers when available, to ask the lender questions about anything you do not understand, and to avoid signing if the payment schedule or total cost is not sustainable for your budget. If a loan includes optional products (such as credit insurance), determine whether you need them and how they affect your total cost.

Standards we expect of partners (illustrative)

Participation in our network is subject to agreements and policies that vary by partner. Generally, we expect lenders and service providers to:

• Hold or obtain any required licenses or registrations for the states in which they offer credit;
• Provide clear, accurate disclosures of rates, fees, and material terms before consummation;
• Comply with applicable fair lending, unfair/deceptive acts or practices (UDAP), credit reporting, debt collection, and privacy laws;
• Not engage in practices designed to evade state rate caps or licensing requirements where prohibited;
• Maintain reasonable policies for servicing, payment posting, and good-faith resolution of disputes.

Inclusion of a lender in our technology does not constitute our endorsement of every product or practice of that lender. If you believe a lender has acted unfairly or unlawfully, you may contact the lender, your state attorney general or regulator, or the Consumer Financial Protection Bureau (CFPB), as appropriate.

Practices we prohibit or discourage in our ecosystem

We do not intend APPNAME to be used to facilitate hidden fees, bait-and-switch pricing, or false statements about bank partnerships or government affiliation. We prohibit use of our service for unlawful discrimination in violation of the Equal Credit Opportunity Act (ECOA) or other law. We may terminate or suspend access where we reasonably believe these standards are violated or where required by law.

Tips for borrowers

• Budget first: Calculate whether you can afford the periodic payment after other essential expenses. Consider an emergency cushion.
• Read before you sign: Review the promissory note, payment schedule, APR, and any arbitration or class-action waiver provisions.
• Understand total cost: Focus on total dollars repaid, not only the monthly payment.
• Avoid rollovers and unnecessary renewals: Repeated refinancing can increase total cost.
• Seek help early: If you struggle to pay, contact the lender before default; nonprofit credit counselors may help with budgeting.

Predatory lending and warning signs

Predatory lending can take many forms, including loans with extremely high costs relative to risk, aggressive collection tactics, or terms that strip equity or trap borrowers in cycles of debt. Warning signs may include: pressure to sign immediately without time to read documents; unclear or missing disclosures; encouragement to borrow more than you requested; demands for access to your bank account as a condition unrelated to repayment; or misrepresentation of the loan’s cost.

If you believe you are being steered into an unsuitable or abusive product, stop and seek independent advice. You are not obligated to accept any offer presented through APPNAME. Noxti Money does not provide legal or financial advice; this page is for general information only.

Contact

Questions about APPNAME or our practices: [email protected], (573) 405-1881, or Contact Us. Mail: Noxti Money LLC, 100 Westwood Ave, Columbia, MO 65203-2874.