Terms of Use — CBW-Cash

1) Loan Terms: APR, Repayment & Fees

Applicants must be 18 or older. Loan amounts range from $50–$5,000, with terms from 70 days to 36 months. APRs vary between 4% and 35.55%, depending on credit profile and lender criteria. Submitting an application doesn’t guarantee approval. Final decisions are made solely by lenders based on their own requirements.

1.1 APR Range

The Annual Percentage Rate (“APR”) is the yearly cost of borrowing expressed as a percentage and may include both interest and certain eligible fees.

APR ranges for financial products you may access through the CBW-Cash mobile application (the “App”) vary between 4% and 35.55%, depending on credit profile and lender criteria.

The APR you are offered depends on several factors, including (but not limited to):

Your credit profile and credit history
The amount you request
The repayment term
Applicable state laws and regulations
The specific underwriting criteria of the lender making the offer

You will always be shown the final APR and key cost information for any product before you accept an offer. CBW-Cash requires its lending partners to disclose pricing in accordance with all applicable federal and state consumer‑protection laws.

1.2 Repayment Periods

Repayment terms vary by lender and product. Typical repayment periods range from 70 days up to 36 months.

Some offers may have shorter or longer repayment terms if allowed under applicable law. Prior to entering into any agreement, you will receive a repayment schedule that clearly states:

The number of payments
The amount of each payment
The due dates for each payment

1.3 Payment Frequency & Methods

Payments are generally made in fixed, scheduled installments on predetermined dates. Depending on the lender and product, payments may be:

Weekly
Biweekly
Semi‑monthly
Monthly

Repayments are typically made by electronic transfer (ACH debit) from your verified bank account, though some lenders may offer additional payment methods. The specific payment options will be described in your individual agreement with the lender.

You are responsible for ensuring that there are sufficient funds in the designated account on each due date to avoid late fees, returned payment fees, or other charges permitted by law.

1.4 Fees & Other Charges

Any potential fees associated with your offer—such as:

Origination fees
Late payment fees
Returned payment or NSF charges
Expedited funding or transfer fees (if offered)

will be clearly disclosed before you accept the offer. CBW-Cash and its partners comply with all applicable federal and state rules that limit or regulate fees.

Our service is free to use. Lender partners may charge origination fees, interest, late fees, and other charges disclosed in their loan agreements.

1.5 Early Repayment

In many cases, products available through the App allow you to pay off your balance early without a prepayment penalty. Paying off your obligation ahead of schedule may reduce the overall amount of interest you pay.

Because policies vary by lender and state, you should review your specific agreement to confirm how early payoff is handled and whether any additional conditions apply.

1.6 Example Cost Disclosures

Before you finalize any loan or cash advance, you will receive a standardized cost disclosure (such as a Truth‑in‑Lending‑style disclosure or an equivalent summary). This document will clearly outline:

APR
Finance charges
Total amount of all payments
Number of payments and due dates

You should review this disclosure carefully, as it reflects the legally binding cost and repayment structure of the product you are choosing.

2) Your Agreement to These Terms

These Terms of Use (“Terms”) govern your use of the CBW-Cash mobile application, this website, and related services (the “App”), operated by CBW FINANCE LLC (“we,” “us,” or “our”).

We are not a lender. The App is a loan-matching and lead-generation platform. We collect your personal and financial information, package it into a consumer lead, and share or sell it to third-party lenders and marketing partners who may contact you with offers.

By using the App, you agree to these Terms and our Privacy Policy, including collection and sharing of your data as described there.

You must be at least 18 years old and a lawful U.S. resident to use the App.

3) Scope

If you do not agree to these Terms, stop using the App. Continued use after we update these Terms means you accept the updated version.

4) Eligibility

To use the App, you must:

Be at least 18 years old (or the age of majority in your state).
Be a lawful U.S. resident.
Have legal capacity to enter binding contracts.
Have a valid SSN or ITIN.
Have an active U.S. checking account.
Have a verifiable income source.
Provide accurate and complete information, including: full legal name, date of birth, email, phone, full address with ZIP, SSN, driver’s license number and state, bank account number, bank routing number, bank name and account type, employer name and phone, employment status and income, income source, and loan purpose.
Use the App only for lawful personal, non-commercial purposes.

5) Authorization to Collect and Share Data

By submitting your request through the App, you expressly authorize CBW FINANCE LLC to:

Collect all data listed in Section 4 and in our Privacy Policy.
Share and sell your personal and financial information — including SSN, driver’s license, full bank account number, routing number, employer phone, income, and loan purpose — to third-party lenders, financial institutions, marketing companies, data aggregators, and other buyers.
Receive monetary compensation, per-lead fees, revenue share, or other consideration for this data.
Allow buyers to contact you by phone, email, and SMS with offers (subject to your opt-out rights in the Privacy Policy).
Share your data with identity verification, fraud prevention, and credit-reporting services where permitted by law.

You may opt out of future data sales by emailing [email protected] with subject “Do Not Sell My Information.” Data already sold cannot be recalled from third-party buyers.

Marketing consent is not required to submit a request or use core App features.

6) What the App Does and Does Not Do

The App is designed to provide a secure, convenient platform where users can explore, compare, and connect with potential financial offers that may fit their needs. Through the App, you can:

Submit a brief request that may include personal, employment, and banking details.
Be matched with participating financial institutions and service providers that may present offers tailored to your profile.

The App streamlines the process by allowing you to enter your information once, and then securely sharing it with participating institutions that operate in accordance with applicable laws and licensing requirements.

You will have the chance to review potential loan or cash advance terms before deciding whether to proceed. Any loan agreement, funding, repayment plan, or other credit arrangement is executed directly between you and the lender or financial service provider.

CBW-Cash:

Provides the technology platform
Facilitates secure data transmission
Offers customer support related to the App

CBW-Cash does not control, manage, or guarantee:

The lender’s approval decision
Your interest rate or APR
The repayment schedule or exact terms
The lender’s own customer service policies

Those matters are determined solely by the lender or financial provider offering the product.

7) Account Creation and Security

Some features require an account. You agree to provide accurate information and keep it updated. You must not share credentials or use another person’s identity.

You are responsible for activity on your account. Notify us at [email protected] if you suspect unauthorized access. We may suspend or terminate accounts for fraud or Terms violations.

8) Electronic Communications and E-Sign

By using the App, you agree to receive electronic communications from us and, where applicable, from partners, including emails, SMS (including one-time codes), in-app notices, and electronic disclosures.

Electronic signatures have the same legal effect as paper signatures under the E-SIGN Act and applicable state law.

You may withdraw e-consent by emailing [email protected]. Withdrawal may limit App functionality. Legally required notices may still be sent.

Consent to marketing calls or SMS is not required to submit a request.

9) Fees and Our Compensation

The App is free for consumers. We earn revenue by sharing or selling lead data to third parties through per-lead fees, referral fees, revenue share, or similar arrangements.

Compensation may affect which partners receive your data, in what order, or how offers are displayed. This is disclosed per FTC guidance and CCPA requirements.

10) Permitted Use and Prohibited Activities

You agree to use the App only in ways that comply with these Terms and with all applicable laws. You may not:

Use the App in any way that violates federal, state, or local law
Attempt to gain unauthorized access to any systems, accounts, data, or networks related to the App
Use robots, scrapers, or other automated tools to extract or collect data from the App
Upload or transmit any viruses, malware, or harmful code
Reverse‑engineer, decompile, or attempt to discover the source code of the App
Copy, modify, or distribute any part of the App or its content without our written permission
Use the App to send unsolicited messages, advertising, or spam

Violating these restrictions may result in immediate termination of your account and may expose you to civil or criminal liability.

11) Third-Party Sites and Providers

Lenders and partners operate under their own terms and privacy policies. We are not responsible for their offers, rates, fees, approvals, or use of your data after transfer. Review each recipient’s policies before engaging.

12) Intellectual Property

All content and technology associated with the App—including but not limited to:

Text and copy
Logos and branding
Graphics and images
Software, code, and design
Data compilations and other materials

are owned by CBW FINANCE LLC or its licensors and are protected by intellectual property laws.

You are granted a limited, non‑exclusive, non‑transferable license to use the App solely for your personal, lawful use in accordance with these Terms. Any unauthorized use, reproduction, distribution, or modification of the App or its content is strictly prohibited.

13) Disclaimers

THE APP AND ALL RELATED INFORMATION, TOOLS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CBW FINANCE LLC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

CBW FINANCE LLC IS NOT A LENDER AND DOES NOT MAKE CREDIT DECISIONS. OFFERS ARE NOT GUARANTEED. WE MAKE NO REPRESENTATION REGARDING THE ACCURACY OR SUITABILITY OF OFFERS PRESENTED BY THIRD-PARTY BUYERS.

14) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CBW FINANCE LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, DATA SHARING, OR THIRD-PARTY BUYER CONDUCT — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE EXTENT ANY LIABILITY IS FOUND, THE TOTAL CUMULATIVE LIABILITY OF CBW FINANCE LLC TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO YOUR USE OF THE APP WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

Some states do not allow certain exclusions or limitations; those limits may not apply to you.

15) Indemnification

You agree to defend, indemnify, and hold harmless CBW FINANCE LLC and its officers, employees, affiliates, partners, and agents from and against any and all claims, demands, damages, losses, costs, and expenses (including reasonable attorneys’ fees) that arise out of or relate to:

Your use or misuse of the App
Your violation of these Terms
Your violation of any applicable law or regulation
Your violation of any rights of another person or entity

16) Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Missouri and applicable federal law, without regard to conflict-of-law rules.

Except where prohibited, disputes will be resolved by binding individual arbitration under the Federal Arbitration Act. Class actions and representative proceedings are not permitted. Before arbitration, you agree to contact [email protected] and allow 30 days to resolve informally.

IP injunction claims may be brought in state or federal courts located in Missouri.

17) Service Changes and Availability

We may change, suspend, or discontinue features at any time without prior notice.

18) Termination

We may, at our sole discretion and without prior notice, suspend or terminate your access to the App, including your account, if we believe that:

You have violated these Terms or any applicable law, or
Your use of the App is harmful to us, our partners, or other users

You may stop using the App at any time by deleting it from your device and, if applicable, closing your account.

Any sections of these Terms that by their nature should survive termination (including, but not limited to, limitations of liability, indemnification, and dispute resolution) will continue to apply even after your access ends.

19) Changes to These Terms

CBW-Cash may update or modify these Terms from time to time. When we do so, we will update the “Effective Date” at the top of this page.

For material changes, we may also provide additional notice, such as:

Posting an in‑app notification
Sending an email to the address associated with your account

Your continued use of the App after the updated Terms become effective means that you accept the revised Terms. If you do not agree with the changes, you must stop using the App.

20) Apple-Related Terms (iOS Users)

These Terms are between you and CBW FINANCE LLC only — not Apple Inc. Apple is not a party to these Terms and has no obligation to provide maintenance or support for the App.

Apple is not responsible for product liability, regulatory compliance, or consumer protection claims relating to the App. CBW FINANCE LLC is solely responsible for the App and any IP infringement claims.

Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Your use must comply with the App Store Terms of Service and Apple Media Services Usage Rules.

21) Contact Us

If you have questions, concerns, or feedback about these Terms or about the App, you can contact us at:

Legal name: CBW FINANCE LLC
Website: cbwfinance.com
Email: [email protected]
Address: 431 Crest Ave, Kirkwood, MO 63122-5602
Support hours: Monday–Friday, 9:00 AM–6:00 PM ET