Terms of Use
Effective date: March 30, 2026
1. Loan terms: APR, repayment & fees (illustrative)
The Annual Percentage Rate (“APR”) is the yearly cost of borrowing expressed as a percentage and may include interest and certain eligible fees. APR ranges for products you may access through APPNAME are described on our Rates & Fees page (for example, illustrative ranges such as 5.99%–35.99% and amounts from $100 to $5,000 over terms such as 3–24 months). Noxti Money does not set your APR, fees, or repayment schedule—the lender does. You will receive the lender’s disclosures before you accept any offer.
Repayment frequency (e.g., weekly, biweekly, monthly), payment method (often ACH), late fees, NSF fees, and prepayment terms are determined solely by the lender under applicable law. Review your loan agreement and Truth in Lending (or equivalent) disclosures carefully.
2. Agreement to these terms
These Terms of Use (“Terms”) are a binding contract between you (“you,” “your”) and Noxti Money LLC (“Noxti Money,” “we,” “us,” “our”). They govern use of the APPNAME application, this website, and related services (the “Services”). By using the Services, you agree to these Terms, our Privacy Policy, and our Electronic Communications Consent. You represent that you are at least 18 (or the age of majority in your state) and a U.S. resident able to enter binding contracts. If you do not agree, stop using the Services.
3. We are not a lender
Noxti Money is not a lender, bank, or broker. We provide technology to help you submit information and connect with independent third-party lenders or providers. We do not make credit decisions or originate loans. Any credit product is between you and the lender. Nothing on the Services is a commitment to lend or a firm offer of credit.
4. Eligibility and your responsibilities
You agree to provide accurate, complete information; to safeguard your account credentials; and to use the Services only for lawful, personal, non-commercial purposes. We may verify identity and suspend or terminate accounts for fraud, abuse, or violation of these Terms.
5. Electronic communications
You consent to receive communications electronically as described in our E-Consent. You may withdraw certain consents as described there; some messages may still be required by law.
6. Third parties and links
Lenders and other third parties are independent. Their terms and privacy notices apply to their products. We are not responsible for third-party content, pricing, or practices.
7. Our compensation
Noxti Money may receive compensation from lenders or partners when you interact with or obtain a product through the Services. That compensation does not control the rate or terms the lender sets; you must still review each offer independently.
8. Acceptable use
You may not use the Services to violate law; to scrape or automate access without permission; to introduce malware; to misrepresent your identity; or to interfere with the Services or other users. We grant a limited, revocable license to use the Services for personal use as permitted herein.
9. Intellectual property
Content and software in the Services are owned by Noxti Money or licensors and are protected by intellectual property laws. No rights are granted except as expressly stated.
10. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ILLUSTRATIVE RATES AND EXAMPLES ARE NOT GUARANTEES OF ANY OFFER.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOXTI MONEY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES OR THIRD-PARTY PRODUCTS. OUR TOTAL LIABILITY FOR CLAIMS RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF U.S. $100 OR THE AMOUNTS YOU PAID US (IF ANY) FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM. SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED.
12. Indemnification
You agree to indemnify and hold harmless Noxti Money and its affiliates from claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Services, your violation of these Terms, or your violation of third-party rights.
13. Governing law; dispute resolution
These Terms are governed by the laws of the State of Missouri, without regard to conflict-of-law rules, except where federal law applies (including the Federal Arbitration Act where applicable).
Informal resolution: Before initiating a formal proceeding, you agree to contact us at [email protected] and attempt to resolve the dispute for at least thirty (30) days.
Arbitration and class waiver: Except where prohibited by law, any dispute arising out of these Terms or the Services shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, with each party bearing its own costs except as the rules or law require otherwise. You and Noxti Money waive any right to participate in a class action, class arbitration, or representative proceeding. If this arbitration agreement is held unenforceable, the remainder of these Terms remains in effect and disputes may be brought in the courts described below.
Court venue: If arbitration does not apply or for claims that may be brought in court (such as injunctive relief for IP or misuse), you consent to the exclusive jurisdiction of the state and federal courts located in Boone County, Missouri, and waive any objection to venue there.
14. Modifications
We may update these Terms; we will post the revised Terms and update the effective date. Material changes may require additional notice where required by law. Continued use after the effective date constitutes acceptance to the extent permitted by law.
15. Termination
We may suspend or terminate access to the Services at any time. Sections that by their nature should survive (including disclaimers, limitations, indemnity, and dispute resolution) survive termination.
16. Contact
Noxti Money LLC · 100 Westwood Ave, Columbia, MO 65203-2874 · [email protected] · (573) 405-1881
Last updated: March 30, 2026