Welcome to WY Finance. These Terms of Use ("Terms") form a legal agreement between you and UNION WY FINANCE COMPANY LLC ("WY Finance," "we," "us" or "our"). They apply to the WY Finance iOS application (the "App"), uniontrustfinance.com (the "Website") and all related services (together, the "Service"). You accept these Terms when you download the App, create an account or submit a request. If you do not accept them, please do not use the Service.
Arbitration notice
IMPORTANT: SECTION 14 CONTAINS AN AGREEMENT TO ARBITRATE DISPUTES ON AN INDIVIDUAL BASIS AND A WAIVER OF JURY TRIALS AND CLASS ACTIONS. READ IT CAREFULLY.
Our role
WY Finance operates an online loan marketplace. We take the information in your request and pass it to participating lenders and lending partners ("Providers") from our nationwide network. Providers decide independently whether to make you an offer.
WY Finance is not a lender, bank or broker-dealer. We do not originate, fund or service loans, and we do not make credit decisions. Nothing in the Service is an offer of credit or a commitment to lend. Providers are not available in every state, and not every applicant will receive an offer.
Who can use the Service
You may use the Service only if all of the following are true:
Each Provider applies its own eligibility rules, which may be stricter.
- you are 18 years of age or older;
- you live in the United States and have a U.S. home address;
- you have a valid driver's license or state-issued ID;
- you receive regular income and hold an active checking account in your own name;
- you have a mobile phone number and email address that you control.
Loan terms
Offers available through the Service range from $250 to $5,000. Repayment terms range from a minimum of 3 months to a maximum of 36 months. The APR, including all applicable fees and costs, ranges from a minimum of 6.50% to a maximum of 35.55%. Providers in our network may not require full repayment of a loan in 60 days or less.
For example, a $1,000 loan at 24.00% APR repaid over 12 months would have 12 monthly payments of $94.56, for a total repayment of $1,134.72. This example is illustrative only. Your actual APR, fees, payment amount, repayment schedule and payment due dates are set by the Provider and depend on your state and profile.
The Provider will give you its loan agreement and all disclosures required by law, including Truth in Lending Act disclosures, before you sign. Your loan is governed by the Provider's agreement, not by these Terms.
Cost of using WY Finance
The Service is free for you. WY Finance does not charge application, subscription or matching fees, and you are never required to accept an offer. Providers pay WY Finance when we match you with them or when you choose their offer. This payment does not increase your APR or change your loan terms. Learn more on our How We Make Money page.
Creating an account
You agree to give us true, accurate and complete information and to keep it up to date. You may not create an account for anyone else or use another person's identity. You are responsible for activity on your account and for protecting access to your phone and email. Let us know at help@uniontrustfinance.com if you think your account has been used without your permission.
You may delete your account at any time from the Menu section of the App. We may suspend or end your access if we believe you have broken these Terms, given false information or used the Service for fraud.
Sharing your request with Providers
When you tap to submit your request, you authorize WY Finance to send the information you provided to one or more Providers so they can review it and, if available, present loan options that may match your profile. Providers may contact you directly about your request.
Comparing options through WY Finance does not affect your credit score. If you choose to proceed with a Provider, that Provider may perform a hard credit inquiry and ask for more documents before final approval, as described in our Credit Authorization.
Contacting you
You agree that WY Finance and Providers may contact you at the email address and mobile number you give us, including by text message, about your request and your account. These messages may be sent using automated systems. Your consent to receive marketing messages is optional and is not required to use the Service or get a loan. Msg and data rates may apply. Text STOP to opt out at any time, or HELP for help.
Electronic communications
Your consent. By accepting these Terms, you consent under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) to receive electronically all agreements, disclosures, notices and other records that WY Finance provides in connection with the Service, including these Terms, our Privacy Policy and any updates to them. You also agree that tapping a button or checking a box in the Service is your electronic signature and is as binding as a handwritten signature. This consent covers communications from WY Finance only; each Provider will ask for its own consent before giving you loan documents electronically.
How we deliver records. We will show records in the App, post them on the Website or send them to the email address on your account. A record is considered delivered when we display, post or send it.
What you need. To access and keep electronic records, you need an iPhone or iPad with a supported version of iOS or iPadOS, an internet connection, an active email account, software that opens PDF files and the ability to save or print documents. If these requirements change in a way that affects your access, we will tell you.
Paper copies. You can request a free paper copy of any record by emailing help@uniontrustfinance.com with your name, mailing address and the record you need.
Withdrawing consent. You can withdraw this consent at any time, free of charge, by emailing help@uniontrustfinance.com with the subject "Withdraw E-Consent." Because the Service is provided only electronically, withdrawing consent will close your account. Withdrawal does not affect records delivered before it takes effect. Keep your email address current so you continue to receive our records.
Rules of use
When using the Service, you must not:
- give false or misleading information or use someone else's details;
- submit requests for any illegal purpose;
- try to break, overload or gain unauthorized access to the App, Website or our systems;
- use automated tools to collect data from the Service;
- decompile, copy, resell or commercially use any part of the Service.
Providers and third-party content
Offer information shown in the App, such as APR ranges, terms, amounts and descriptions, comes from Providers. We present it so you can compare, but we do not guarantee it is complete or current, and we do not recommend any particular Provider. Any loan, and any problem with a loan, is between you and the Provider. WY Finance is not responsible for how a Provider services, collects or reports your loan.
Ownership and license
WY Finance and its licensors own the Service and all of its content, including text, design, illustrations, software and trademarks. We give you a personal, limited, revocable, non-transferable and non-exclusive license to use the App on an Apple device that you own or control, as allowed by the Usage Rules in the Apple Media Services Terms and Conditions.
No warranties
WE PROVIDE THE SERVICE "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, TO THE EXTENT ALLOWED BY LAW. WE DO NOT PROMISE THAT YOU WILL BE MATCHED, RECEIVE AN OFFER, BE APPROVED OR GET A PARTICULAR RATE, OR THAT THE SERVICE WILL ALWAYS BE AVAILABLE.
Information in the App and the FAQ is general and is not financial or legal advice.
Limits on our liability
TO THE EXTENT ALLOWED BY LAW, WY FINANCE WILL NOT BE LIABLE FOR LOST PROFITS OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY DAMAGES CAUSED BY A PROVIDER OR A LOAN. WY FINANCE'S TOTAL LIABILITY TO YOU FOR ANY CLAIM WILL NOT BE MORE THAN $100. You agree to defend and indemnify WY Finance against claims and costs, including reasonable legal fees, that result from your breach of these Terms or from false information you submit.
Arbitration agreement
Try to resolve it first. If you have a dispute with WY Finance, email help@uniontrustfinance.com and describe it. We will try to resolve it with you within 45 days.
Individual arbitration. If we cannot resolve it, the dispute will be settled by final and binding arbitration before JAMS under its Streamlined Arbitration Rules and Procedures and its Consumer Minimum Standards. A single arbitrator will decide the dispute. Hearings may be held by phone, video or in the county where you live. Small claims court remains available for individual claims within its limits.
No class actions. Claims may be brought only on an individual basis. Neither you nor WY Finance may bring or join a class, collective or representative action, and you waive any right to a jury trial.
Your right to opt out. You can reject this arbitration agreement by sending an email to help@uniontrustfinance.com within 30 days of first accepting these Terms. Write "Reject Arbitration" in the subject and include your full name and the phone number on your account.
Governing law
The Federal Arbitration Act governs Section 14. Otherwise, these Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-law principles. Any matter not subject to arbitration will be heard in the state or federal courts located in Campbell County, Wyoming.
Apple-specific terms
You and WY Finance agree that these Terms are concluded between you and WY Finance only, and not with Apple Inc. ("Apple"). WY Finance, not Apple, is solely responsible for the App and its content, maintenance, support and any warranties, and for handling any claims relating to the App, including product liability claims, claims that the App fails to meet legal or regulatory requirements, consumer protection claims and intellectual property infringement claims.
If the App fails to meet any applicable warranty, you may notify Apple for a refund of any purchase price; Apple has no other warranty obligation for the App. You confirm that you are not in a country under U.S. government embargo or designated as supporting terrorism, and that you are not on any U.S. government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
Changes to these Terms
We may revise these Terms. The updated version will be posted here with a new "Last updated" date, and we will tell you in the App or by email about any material change before it applies. If you keep using the Service after that date, you accept the revised Terms. We may change, pause or stop the Service at any time.
Contact
UNION WY FINANCE COMPANY LLC
201 W Lakeway Rd, Gillette, WY 82718-6305, United States
help@uniontrustfinance.com
Questions about this document? Contact support.