Terms of Use

Effective date: June 3, 2026

1. Introduction

These Terms of Use ("Terms") form a legally binding agreement between you and Noxti Money LLC ("Noxti Money," "we," "us," or "our") and apply to your access to and use of the Noxti Cash mobile application, related services, and website at noxtimoney.com (together, the "App").

Noxti Money provides a loan-matching and lead-generation service. We are not a lender, we do not underwrite or approve credit, we do not set loan pricing, and we do not promise that you will receive any offer.

Our business model is to gather your personal and financial data, organize it as a consumer lead, and sell that lead to third-party lenders and marketing partners that may contact you. By using the App, you accept these Terms, our Privacy Policy, and the collection and sale of data as described in both documents.

2. Loan terms: APR, repayment, and fees

2a. APR range

Offers presented through the App can vary significantly depending on your credit profile, requested amount, repayment duration, lender underwriting criteria, and state law requirements. A sample APR range is 5.99% to 35.99%. Certain short-term or payday-style products may have higher effective APRs. The lender provides final APR disclosures before you accept an offer.

2b. Repayment terms

Repayment periods commonly range from 3 months to 60 months based on product type and lender policy. Example: a $2,000 installment loan at 24% APR for 12 months may have a payment near $189 per month. Your lender will disclose the full schedule before you accept.

2c. Payment frequency and methods

Depending on the lender and product, payment cadence may be weekly, biweekly, semi-monthly, or monthly. Many lenders use ACH debits from your designated account. You are responsible for maintaining enough funds on each due date. Returned-payment charges may apply (example range: $15-$35 per returned item, subject to lender terms and state law).

2d. Fees

Potential charges may include origination fees (example: 1%-8% of principal), late fees (example: $15-$30 or 5% of the missed installment, whichever is less, subject to state law), and NSF/returned-payment fees. Fee terms must be disclosed before you accept an offer; the App is not intended to impose hidden fees.

2e. Early repayment

Many lenders permit early payoff without penalty, but you must verify prepayment terms in the lender agreement tied to your selected offer.

2f. Cost disclosure

Before any offer is accepted, lender disclosures intended to comply with TILA will be provided, including APR, finance charge, total of payments, payment schedule, and applicable fees.

3. Eligibility and requirements

To use the App, you represent and warrant that you:

• Are at least 18 years old;
• Are a lawful resident of the United States;
• Have legal capacity to enter binding contracts;
• Have a valid SSN or ITIN;
• Have an active U.S. checking account;
• Have a verifiable source of income;
• Use the App only for lawful, personal, non-commercial purposes.

You must submit accurate and complete information, including:

• Full legal name (first, middle, last)
• Date of birth
• Email address
• Phone number (mobile and/or home)
• Full residential address including street, city, state, and ZIP code
• Social Security Number (SSN)
• Driver's license number and issuing state
• Bank account number (full account number)
• Bank routing number
• Bank name and account type
• Employer name and employer phone number
• Employment status, job title, and income (monthly or annual gross)
• Source of income
• Purpose of the loan or cash advance request

4. Express authorization to collect and sell data

This section is a core condition of App use. By submitting an application in the App, you expressly authorize Noxti Money LLC to:

• Collect every data category identified in Section 3 and in our Privacy Policy;
• Sell and transfer your personal and financial information, including SSN, driver's license number, full bank account number, routing number, employer phone, income information, and loan-purpose data, to third-party lenders, financial institutions, marketing companies, data aggregators, and other buyers;
• Receive monetary compensation, per-lead payments, revenue sharing, or other valuable consideration in exchange for selling your data;
• Permit buyers to contact you by phone, email, and SMS regarding financial and other product offers (subject to your opt-out rights described in our Privacy Policy);
• Provide data to identity-verification vendors, fraud-prevention services, and credit-reporting related providers.

You may opt out of future data sales at any time by contacting [email protected]. Information already sold to third-party buyers generally cannot be retrieved or removed from buyer systems by Noxti Money.

5. What the App does and does not do

• We connect users with potential lenders by selling consumer lead data.
• We do not fund loans, set rates, approve applicants, or guarantee offers.
• Any credit contract is only between you and the lender.
• You should review each lender's terms and privacy notice before accepting.

6. Account creation and security

You must ensure that all information you provide remains accurate and up to date. You are responsible for activity associated with your account or device session and for safeguarding credentials. If you suspect unauthorized access, notify us immediately at [email protected]. We may perform identity checks and suspend or restrict access when fraud, abuse, or misuse is suspected.

7. Electronic communications and E-Sign

You consent to receive electronic communications, including emails, SMS messages (including one-time passcodes), in-app notices, and disclosures from Noxti Money and participating lenders or marketing partners. Electronic signatures and electronic records are legally valid equivalents of handwritten signatures and paper records to the extent allowed under the U.S. E-SIGN Act.

By authorizing data collection and sale, you also agree that buyers and partners may contact you by phone and SMS regarding financial and related offers. This is a material service term. You may request withdrawal of e-consent by emailing [email protected], but App functionality may be reduced.

8. Fees and our compensation

The App is free for consumer download and use. Noxti Money generates revenue by selling consumer lead data to third parties, including via per-lead fees, CPL (cost per lead), CPA (cost per acquisition), revenue-sharing models, and similar commercial arrangements.

Those compensation structures may affect which partners receive data, the sequence in which data is routed, or how offers are displayed in user experiences. This compensation model is disclosed to align with FTC lead-generation guidance and CCPA sale-disclosure requirements.

9. Permitted use and prohibited activities

You may not:

• Use the App for unlawful, fraudulent, deceptive, or misleading purposes;
• Submit false, inaccurate, incomplete, or fabricated personal or financial information;
• Interfere with App infrastructure, security, or availability;
• Use bots, scripts, or automation tools without prior written permission;
• Upload malware, malicious payloads, or harmful code;
• Reverse-engineer, decompile, or attempt to extract source code;
• Copy, redistribute, or exploit App content without authorization;
• Impersonate any person or entity.

10. Third-party sites and providers

Third-party lenders, buyers, and service providers operate under their own terms and privacy notices. Noxti Money is not responsible for third-party approvals, rates, fees, offer terms, or downstream use of sold data. You should review each recipient's terms and privacy policy before engaging.

11. Intellectual property

All software, content, branding, and technical elements of the App are owned by Noxti Money or its licensors and are protected by intellectual-property law. We provide you only a limited, revocable, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes under these Terms.

12. User feedback

If you submit comments, ideas, recommendations, or other feedback, you grant Noxti Money a worldwide, royalty-free, perpetual, irrevocable, and sublicensable right to use, copy, modify, publish, and incorporate that feedback without restriction and without compensation.

13. Disclaimers

THE APP AND ALL RELATED SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOXTI MONEY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. NOXTI MONEY IS NOT A LENDER, DOES NOT GUARANTEE OFFERS, AND MAKES NO REPRESENTATION REGARDING THE ACCURACY, QUALITY, OR SUITABILITY OF OFFERS OR CONTENT PROVIDED BY THIRD-PARTY BUYERS OR LENDERS.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOXTI MONEY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND CONTRACTORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, DATA SALES, OR CONDUCT OF THIRD-PARTY BUYERS, EVEN IF ADVISED THAT SUCH DAMAGES WERE POSSIBLE. NOXTI MONEY'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE APP OR THESE TERMS WILL NOT EXCEED USD $100. SOME STATES DO NOT ALLOW CERTAIN LIABILITY LIMITATIONS, SO THIS SECTION APPLIES ONLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to defend, indemnify, and hold harmless Noxti Money and its affiliates, officers, directors, employees, and agents against any claims, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to your misuse of the App, violation of these Terms or law, submission of false information, or infringement/misappropriation of third-party rights.

16. Governing law and dispute resolution

16a. Governing law

These Terms are governed by the laws of the State of Missouri together with applicable federal law, without applying conflict-of-law rules.

16b. Binding individual arbitration (FAA)

Except where prohibited by law, disputes arising out of or related to these Terms or the App must be resolved by binding individual arbitration under the Federal Arbitration Act (FAA). Class and representative proceedings are waived. Claims cannot be consolidated, and the arbitrator may not hear class-wide or representative claims.

16c. Informal resolution first

Before starting arbitration or litigation, you agree to provide written notice of dispute and attempt to resolve the matter informally in good faith for at least 30 days by contacting [email protected].

16d. Exceptions and court jurisdiction

Claims seeking injunctive relief related to intellectual-property misuse may be brought in courts in Missouri that have proper jurisdiction.

17. Service changes and availability

We may change, suspend, discontinue, or update App features, integrations, workflows, or availability at any time, with or without prior notice.

18. Termination

We may suspend, restrict, or terminate access if you breach these Terms, provide materially inaccurate information, engage in harmful behavior, or create fraud/compliance risk. Sections addressing intellectual property, disclaimers, liability limits, indemnification, arbitration, and any provisions that should survive by their nature will continue after termination.

19. Changes to these Terms

We may revise these Terms periodically. The Effective Date will be updated when changes are posted. Material revisions may be communicated through in-app notice and/or email. Continued use of the App after revised Terms become effective constitutes acceptance.

20. Apple-related terms (iOS users)

• These Terms are entered into between you and Noxti Money LLC only, and not Apple Inc.
• Apple is not a party to these Terms and has no duty to provide maintenance or support for the App.
• Apple is not responsible for product-liability, regulatory-compliance, or consumer-protection claims related to the App.
• Noxti Money is solely responsible for investigation, defense, settlement, and discharge of intellectual-property infringement claims tied to the App.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms and may enforce these Terms against you after acceptance.
• Your App use must comply with App Store Terms and Apple Media Services Usage Rules.

21. Contact us

Noxti Money LLC
100 Westwood Ave
Columbia, MO 65203-2874
Email: [email protected]
Website: noxtimoney.com
Privacy Policy: https://noxtimoney.com/privacy-policy.html