All lenders within our network are expected to disclose full loan terms to borrowers before they accept an offer. Loan agreements should clearly and concisely outline:

• The total cost of the loan, including the Annual Percentage Rate (APR).
• The repayment schedule, including the number of payments, due dates, and amounts.
• All applicable fees, such as origination fees, late payment fees, or other charges.
• Any potential penalties for default or early repayment.

We expect all lenders in our network to comply with all applicable U.S. federal and state lending regulations, including but not limited to:

• Truth in Lending Act (TILA): Ensuring borrowers receive clear and accurate disclosures about the cost of credit.
• Equal Credit Opportunity Act (ECOA): Prohibiting discriminatory lending practices.
• State-Specific Regulations: Relevant state-specific laws and regulations governing loan products, including any caps on interest rates, fees, and loan terms.

Debt Advance Calc - PINEYRO encourages borrowers to exercise financial responsibility by:

• Carefully reviewing all loan terms and conditions before agreeing to a loan.
• Assessing their ability to repay the loan in a timely manner.
• Understanding the potential consequences of defaulting on a loan.
• Seeking independent financial advice from qualified professionals if needed.
• Being aware of the risks associated with short-term loans and considering alternative financial solutions when appropriate.

We expect lenders within our network to adhere to fair and ethical debt collection practices, including compliance with the Fair Debt Collection Practices Act (FDCPA). This includes refraining from:

• Harassment or abuse of borrowers.
• Making false or misleading statements.
• Contacting borrowers at inconvenient times or places.

Borrowers have the right to communicate with lenders about their debt and to dispute inaccurate information.

While Debt Advance Calc - PINEYRO is committed to promoting responsible lending by partnering with lenders who we believe adhere to these principles, we do not control or enforce the specific policies and practices of individual lenders. We encourage users to conduct their own due diligence and carefully evaluate the terms and conditions offered by each lender before entering into a loan agreement.