LOANS TAXES ABOUT EDUCATION CAREERS CONTACT US LOCATIONS APPLY NOW! World Finance Terms of Service and Conditions of Use Updated: 03/05/2021 PLEASE READ THE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE. IF YOU DO NOT AGREE WITH EACH OF THE TERMS OF SERVICE YOU ARE NOT GRANTED PERMISSION TO USE THE SITE; PLEASE DO NOT ACCESS OR USE THIS WEBSITE OR ANY OF ITS PAGES. BY YOUR CONTINUTED USE OF WORLD’S WEBSITE YOU UNCONDITIONALLY AGREE TO BE BOUND BY THESE TERMS OF SERVICE WHETHER OR NOT YOU HAVE READ THEM. The Terms of Service may be amended or modified by World at any time, without notice, on the understanding that such changes will not apply to prior usage of World’s website. You should consult the Terms of Service at the time of accessing the website to determine if changes have been made. A date maker at the top of the Terms of Service will identify the date of the most recent update. Definitions “Site” means www.loansbyworld.com and all pages within and any related mobile application. The words “We,” “Us,” “Our,” or “World,” or “World Finance” mean and include World Acceptance Corporation and its World Finance affiliates and its other affiliates. “You,” or “Your,” or “Yours” refers to you as an individual person. If You are accessing the Site as an employee or representative of any other person or entity including any automated service or program “You” includes that person or entity and automated service or program. Privacy Your use of the Site or Services is subject to the World’s Privacy Policy and Privacy Notice. Links to these documents are located on the Site. You are encouraged to read these documents as well. By accessing and using Our Site or Services, You understand and agree that World may collect and retain personal or other information about You and the device You use to access the Site or Service. We may collect personally identifiable information about You from Your use of this Site. This information may include, name, street address, email address, telephone numbers, the site You linked from and other information. License to Use of Site You are granted a limited license to use the Site. This license imposes on You an obligation of appropriate use and conduct. This license is for temporary, personal, non-commercial viewing and use of the Site. It is not a transfer of title. You may use this Site for obtaining information about Us, Our products and services, to transact business with Us, apply for a loan, make payments, seek employment opportunities, or other tasks directly related to the purpose of this Site. You may use Our Site and Services only for lawful purposes and You agree not to use the Site or Services in any way that violates any applicable federal, state, local, or international law or regulation. This Site is intended for individuals who are at least 18 years and who are capable entering into a contractual relationship with World. We do not knowingly market to, solicit, or collect information from individuals under the age of 18. IF YOU ARE UNDER THE AGE OF 18 PLEASE DO NOT ACCESS OR USE THIS SITE. By accessing or using this Site, You affirm You are at least 18 years of age and capable of entering a contractual relationship with Us. If We learn that We have been provided with personally identifiable information of anyone under the age 18 We will delete that information from Our systems. Any commercial use of the Site or its content beyond the specific use licensed in this Terms of Service are prohibited. The only exception is that You obtain prior written authorization from Us. See the Notifications section below for how to contact Us. World expressly prohibits any effort to: reverse engineer, duplicate, spoof, disrupt, damage, corrupt, or destroy the Site or its Content; upload, post or transmit any viruses any virus, worm, Trojan horse to the Site or attempt to destroy or impair the operation of the Site or its files or systems; interfering with the security this Site or any of its systems; use scrapers, robots, or other data-gathering devices not provided or approved by World; interfere with any other User’s access or use of the Site or use or attempt to obtain access to another User’s account or personal information or create a false identity to access the Site; making any unsolicited offers or advertisements to another User of the Site, or attempting to collect any data from a third party or another user of the Site without their consent; unauthorized use of passwords, or misuse of any information or material posted on this Site is strictly prohibited; violate any local, state, or federal law or regulation that apply to Your access or use of the Site. World retains the right (but not the obligation) to monitor this site for any unauthorized or objectionable conduct and to take appropriate action in response without notice to You. World reserves the right to change or supplement its policies at any time as permitted by applicable law. Termination of License and Redress This license shall terminate if You violate any of the Terms of Service. Use may be terminated by World at any time. Upon terminating Your viewing privileges or upon the termination of this license, You must destroy any downloaded materials in Your possession whether in electronic or printed format. To the extent that any such interference constitutes a violation of criminal or civil law, World fully reserves the right to seek appropriate redress under applicable law. World may at any time, with or without cause, and without prior notice to You, deny You access to the site. In the event World terminates Your access, any contractual transactions You have entered into with Us shall remain in effect. In addition, World reserves the right to terminate any or all offerings accessible through the site without prior notice. Furthermore, by offering information, products, or services via this site, no solicitation is made by Us to any person to use that information, products, or services in a jurisdiction where providing that information, products, or services is prohibited by law. Your Use Of This Site Is At Your Sole Risk; No Warranty; Limitation on Liability World’s goal is to provide accurate and timely information on this Site. However, there may be inadvertent, technical, or factual inaccuracies, or typographical errors. For these reasons World cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items on this Site. We make no representation or warranty that the content, products, services, or operation of the Site will be uninterrupted or error free. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THIS SITE AND ITS CONTENTS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, AS WELL AS WARRANTIES IMPLIED FROM A COURSE OF PERFORMANCE OR COURSE OF DEALING. WORLD FURTHER ASSUMES NO RESPONSIBILITY FOR, AND MAKES NO WARRANTIES THAT, FUNCTIONS CONTAINED AT THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE WILL BE FREE OF MALWARE, TROJANS, VIRUSES, WORMS, TIME BOMBS OR OTHER HARMFUL COMPONENTS (“HARMFUL COMPONENTS”). IN NO EVENT IS WORLD LIABLE TO YOU FOR ANY DELAY, DIFFICULTY IN USE, ANY COMPUTER VIRUS, MALWARE OR MALICIOUS CODE OR OTHER PROBLEMS EXPERIENCED DUE TO CAUSES BEYOND WORLD’S CONTROL. WORLD SHALL NOT BE LIABLE FOR ANY DAMAGES FROM HARMFUL COMPONENTS THAT MAY INFECT, OR SERVICES, REPAIRS OR CORRECTIONS THAT MUST BE PERFORMED ON, YOUR COMPUTER ON ACCOUNT OF YOUR ACCESSING THIS SITE. TO ACCESS THE SITE, YOU WILL NEED A WORKING CONNECTION TO THE INTERNET VIA A WEB BROWSER ON YOUR COMPUTER FOR WHICH YOU ARE RESPONSIBLE FOR ALL COSTS, EXPENSES, AND FEES. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WORLD, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, THIRD-PARTY CONTENT PROVIDERS OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, EXEMPLARY, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES THAT RESULT FROM THE ACCESS OR USE OF, OR THE INABILITY TO ACCESS OR USE, THE MATERIALS ON THIS SITE OR ANY SITE YOU ACCESS THROUGH A LINK FROM THIS SITE, EVEN IF WORLD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Your Obligation For Security Protection To protect the security of Your information, World may require you to authenticate your identity (i.e., prove that you are who you say you are) to conduct certain transactions on this Site. To conduct certain activities and functionalities of the Site, You may need to register for an account, which includes creating access credentials, such as an email address and password. You are solely responsible for: monitoring, controlling access to, and maintaining the strict confidentiality of your access credentials; not allowing another person to use your access credentials; and any charges or damages that may be incurred because of your failure to maintain the strict confidentiality of your access credentials. World is not responsible for any harm relating to the theft of access credentials resulting from Your actions, Your disclosure of access credentials, or Your decision to allow another person or entity to access and use the site using your access credentials. You agree that You are solely responsible for maintaining the security of the devices you use to access the Site. You must immediately notify World regarding any unauthorized use of Your account or access credentials or any other concerns that You have about the misuse or security of your account by emailing customercareunit@worldacceptance.com. Until World receives this notification from You, You may be held liable for any harm resulting from the improper use of Your device or access credentials. Indemnification You agree to defend, indemnify, and hold harmless World and its affiliates, successors, assigns, and their respective directors, officers, and employees, from and against any and all claims, losses, expenses, demands or liabilities arising from your use, or a third party with access to your credentials use of this Site. This includes attorneys’ fees, court costs and other costs, arising out of: any materials and content You submit to, post to, or transmit through the Site; Your use of the Site in violation of this Site’s Terms of Service, the Site’s content, or any product or service offered or provided by World; or Your violation of any applicable law. You further agree that You will cooperate fully in the defense of any such Claims. World reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by You. You shall not settle any Claim without prior written consent of World. Trademarks, Copyrights, and Restrictions On Use All trademarks, service marks, trade names, and related intellectual property rights (“trademarks”) in this Site are proprietary to World or Our licensors or licensees. You may not use, reproduce, or display any of the trademarks except upon World’s prior written consent. The Site and its entire contents, features, and functionality (including but not limited to all Web pages, user interfaces, information, design, software, source code, text, displays, graphics, images, videos, and audio recordings, and the design, selection, and arrangement thereof) are owned, controlled, or licensed by World, and are protected by United States or international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Except as expressly provided in these Terms of Service, You may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, alter, create derivative works of, reverse engineer, or republish all or any portion of the Site for any commercial or public purpose without World’s prior written consent. You acknowledge and agree that You do not acquire any ownership rights of any kind by accessing materials from the Site. Links to Third-Party Sites or Content This site may provide links to certain Internet sites sponsored and maintained by third parties. World is providing such links solely for Your convenience and for Your information. By visiting the other site, You do so at your own risk subject to the terms and conditions established by the operator of that site, including their Privacy Policy. Providing a link to a third-party site is neither a recommendation nor an endorsement by World of any products, services, information, goods, ideas, or opinions that may be found on any third-party Site. World makes no warranties, either express or implied, concerning the content of any third-party Site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose. World reserves the right to terminate a link to a third-party site at any time. No Client, Fiduciary or Professional Relationship is Established You agree that no client, advisory, fiduciary, or professional relationship is created or implied between You and World from your use of the Site. World Acceptance Corporation is a public company. World does not solicit offers to purchase its securities on the Site. The information displayed on this Site does not constitute investment advice nor an offer to purchase. If You desire to purchase a security, please contact a qualified stockbroker or financial advisor. Governing Law and Jurisdiction These Terms of Service and Your use of this site shall be governed by the laws of the United States of America and the State of South Carolina without regard to its conflicts of laws principles. You agree to submit to the venue and personal jurisdiction a federal or state court of competent jurisdiction sitting in Greenville County, South Carolina. Disputes and Binding Arbitration Should a dispute arise from Your use of Our Site, Our goal is to resolve that dispute quickly and fairly. However, if We cannot resolve a dispute with You any unresolved dispute shall be submitted to the American Arbitration Association (“AAA”) for resolution under its Commercial Arbitration Rules or, by separate mutual agreement, to another arbitration institution. You may bring an arbitration claim only on your own behalf, but not on behalf of any other person, or any class of people. Only claims for money damages may be submitted to arbitration. You may not combine a claim that is subject to arbitration under these Terms of Service with a claim that is not eligible for arbitration under these Terms of Service. The arbitrator will decide whether a dispute can be arbitrated. The judgment of the arbitrator will be binding and executable in any civil court. You will not have to pay more to initiate mediation or arbitration than it would cost to file a lawsuit in a general jurisdiction court in the county where you live. Subject to applicable law and AAA rules, We may advance a portion of your applicable costs. IF YOU ACT PROMPTLY, YOU MAY REJECT THIS ARBITRATION PROVISION. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To reject this provision, you must notify us in writing within 15 days of the date that you first utilize Our website. Send Your rejection notice to: World Finance Attn: Legal Department 104 S. Main St. Suite 400 Greenville, SC 29601 You must include your name, address, the URL of this arbitration provision, and a clear statement that you wish to opt-out of this arbitration provision in these terms and conditions. In the event of any dispute concerning whether you have provided a timely notice of rejection, You must produce a signed receipt for mailing the rejection notice. In the absence of the signed receipt, Our received date stamp on the rejection notice shall be conclusive evidence of the date of receipt. These instructions constitute the only method that you can use to exercise your right to reject this arbitration requirement. Entire Agreement The Terms of Service comprise the entire agreement between You and World regarding your use of the Site. The Terms of Service supersede any prior agreements whether oral or written pertaining to the use of the Site. There are no other agreements, understandings, promises or conditions, oral or written, express or implied, concerning the subject matter of the Terms of Service. Submissions All ideas, expressions, or inventions (excluding any nonpublic personal information) submitted to World through the Site shall be deemed and remain the property of World and shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information you provide to World through the Site. World shall not be subject to any obligations of confidentiality regarding ideas, expressions, and inventions (excluding any nonpublic personal information) except as agreed in a writing executed by World. Severability If any term or provision of the Terms of Service is held to be invalid or unenforceable, the remaining terms and provisions shall remain unimpaired, in full force and effect, and enforced to the full extent possible. The unenforceable term or provision shall be modified or replaced with an enforceable term or provision that comes as close to the intention of the term or provision deemed unenforceable. General Provisions The Terms of Service will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of the Terms of Service. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such Section. Notification You may contact Us by calling: our Customer Care team: 1-888-378-3886 , or emailing customercareunit@worldacceptance.com or writing us at: Compliance, PO Box 6429, Greenville, SC 29606 Copyright © 2021. All rights reserved. No portion of the Site may be copied or reproduced in any medium or in any manner other than stated in the Terms of Service without the written permission of World. How much money do you need? In most states, we offer traditional, personal installment loans ranging from $450 to $10,000, and even up to $12,000 in some states.* $450 APPLY NOW *All loans are subject to our usual credit underwriting policies. With World Finance, you don't need perfect credit to get a loan. Start your online application, call us, or visit the World Finance branch nearest you, and our friendly, qualified team members will take the time to listen to your financial needs and work with you to find an amount and payment plan that is right for you. APPLY NOW Branch Service Center 1-888-378-3886 PO BOX 6429 Greenville, SC 29606 Company Contact Us Find a Branch Investor Relations Testimonials Careers Legal Terms of Services Privacy Notice Privacy Policy Social Media Policy & Community Guidelines Alabama Disclosures New Mexico Disclosures South Carolina Disclosures SMS Terms Also See FAQs About Us Loans Taxes Education © 2021 World Finance. All Rights Reserved. Please refer to our Rates and Terms page for more information. NMLS ID#: 2032867 *Please note, delayed payment comes with accrued interest. Not available in Utah.