JURISDICTION

The transactions related to loans will be deemed to have taken place in the offices of staradvance.net and according to the laws of Republic of Panama, regardless of where you may be viewing or accessing this site.

REPORTS BY TELETRACK

I agree to allow a search of the Teletrack database. The Teletrack database is a national database of consumers and contains information about transactions with lending institutions.

REPORTS BY CL VERIFY

I agree to allow a search of the CL Verify database. The CL Verify database is a national database of consumers and contains information about transactions with lending institutions.

EXTENSIONS

staradvance.net will allow you to extend the original loan for up to 3 times, paying only the finance charges and fees due with each extension. After that you must pay a minimum of $50.00 more than the fees due (until the loan principal is fully repaid). All extension requests must be received before 5:00 pm Eastern Time on the business day prior to the schedule due date. Any request submitted after the deadline will not be processed. All special promotions and/or discounted rates, for the original finance charge, if extended beyond the original repayment date, are subject to normal charges specified under our low fees page.

AGREEMENT TO ARBITRATE DISPUTES.

All disputes and controversies of every kind and nature between the parties hereto arising out of or in connection with this agreement as to the existence, construction, validity,interpretation or meaning, performance, nonperformance, enforcement, operation, breach, continuance, or termination therefore, as well as whether the controversy or dispute is subject to arbitration, and the amount of any loss or damage, shall be submitted to arbitration in a jurisdiction to be chosen by staradvance.net before three arbitrators appointed by the American Arbitration Association pursuant to the commercial rules of the American Arbitration Association in effect at the time any arbitration proceeding is commenced, which rules are hereby incorporated by reference thereto and made a part of this agreement. The foregoing notwithstanding, the company retains the authority to institute an action in any court to recover sums due company by customer hereunder. The arbitration award shall be final and binding upon both parties and judgement upon such arbitration award may be entered in any court having jurisdiction. The parties specifically state their understanding that the check casher cannot be sued in any court or any controversy or dispute. In the event this provision or any part thereof is held to be invalid or unenforceable for any reason, the remaining terms and conditions of this agreement shall not be effected thereby and shall remain in full force and effect.

AGREEMENT NOT TO BRING OR PARTICIPATE IN CLASS ACTIONS.

To the extent permitted by law, you agree not to bring, join or participate in any class action as to any claim, dispute or controversy you may have against staradvance.net or its employees, officers, directors, assignees and servicers. You agree to the entry of injunctive relief to stop such a lawsuit or to remove yourself as a participant in the suit. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring or participate in class action suits is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.

INSUFFICIENT FUNDS

In the event that any transaction, ACH or EFT debit, that you have authorized returns to staradvance.net for any reason: (1) you agree to pay a returned check charge of $25.00; (2) in the event that we initiate collection activity on your account, you agree to be responsible for collection fees, court costs and fees, and all reasonable attorney fees, and (3) you authorize staradvance.net to initiate debits to any bank accounts in your name in amounts up to and less than the amount owed until the amount owed is paid in full.

LOAN AMOUNTS AND FEES

staradvance.net currently provides loans ranging from $100 to $500. The finance charge for these loans is based on the number of days of the loan and the APR rate. See the complete breakdown of amounts and charges for various length loans at the Annual Percentage Rate Disclosure and Loan Disclosure pages.