Effective Date: August 29, 2025

Welcome to Cash Advance by Home Finance. These Terms and Conditions (“Terms”) form a binding agreement between you (“User,” “you,” or “your”) and CO Home Finance LLC (“Cash Advance by Home Finance,” “Company,” “we,” “us,” or “our”).

These Terms govern your use of our mobile application (the “App”) and related services. By accessing or using the App, you agree to be bound by these Terms. If you do not agree, please discontinue use of the App immediately.

1. Our Services

Cash Advance by Home Finance provides an online platform that connects users with independent third-party lenders (“Lenders”) and offers financial tools, including an AI-powered chat assistant and a debt payoff planner.

We are not a direct lender, do not make credit decisions, and do not issue loans. Our role is to help you explore loan options and financial insights based on the information you provide.

We do not guarantee approval, loan offers, or specific terms such as interest rates, repayment periods, or loan amounts. All loan decisions are made exclusively by the participating lenders.

2. Loan Terms

Loan amounts available through our partner network generally range from $50 to $5,000, with repayment periods between 70 days and 36 months.

Annual Percentage Rates (APRs) vary from 4.00% to 35.99%, depending on your credit profile and lender criteria.

These figures are for informational purposes only and do not constitute a loan offer.

2.1 Loan Matching Service

We are NOT a lender or financial institution. We connect users with licensed lenders only.

  • You submit loan requests via our App
  • We forward your data to partner lenders
  • Lenders approve/deny loans independently
  • We earn referral commissions from lenders only

Full partner terms: cohomefinance.com/partners

3. Eligibility

To use the App, you must:

  • Be at least 18 years of age
  • Be a resident of the United States
  • Have the legal capacity to enter into binding agreements

By using the App, you represent and warrant that you meet all eligibility requirements.

4. Account Registration & Security

Certain features of the App may require you to create an account. You agree to:

  • Provide accurate and current information
  • Maintain the confidentiality of your credentials
  • Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts if we detect fraudulent, abusive, or unlawful activity.

5. AI Chat Assistant & Financial Tools

Our AI Chat Assistant and Debt Payoff Planner are provided for educational and informational purposes only. They do not constitute financial, legal, or credit advice. Decisions based on information provided by these tools are made at your own discretion and risk.

6. Loan Offers & Third-Party Lenders

Cash Advance by Home Finance is not involved in any loan agreement between you and a lender. We do not endorse, recommend, or guarantee any lender’s products or services. You are solely responsible for reviewing and understanding all loan terms before accepting any offer.

7. No Guarantee of Approval

Submitting a loan request through the App does not guarantee that you will receive an offer or approval. Lenders make independent decisions based on their internal policies and eligibility criteria.

8. Fees

Cash Advance by Home Finance does not charge users for submitting a loan request or using its financial tools. However, lenders may charge fees such as origination, late payment, or non-sufficient funds fees. Always review the lender’s terms before accepting any loan offer.

9. User Conduct

By using the App, you agree not to:

  • Provide false or misleading information
  • Violate any applicable law or regulation
  • Attempt to disrupt or compromise the App’s security or operation

We reserve the right to suspend or remove access for violations of these Terms.

10. Privacy & Data Use

Your use of the App is subject to our Privacy Policy, which explains how we collect, use, and protect your information. By using the App, you consent to the practices outlined in that Policy.

11. Disclaimer of Warranties

The App and all related services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding:

  • Accuracy or completeness of the App’s content
  • Uninterrupted or error-free operation
  • Suitability for your specific financial needs

Use of the App is at your own risk.

12. Limitation of Liability

To the fullest extent permitted by law, Cash Advance by Home Finance and its affiliates shall not be liable for any indirect, incidental, or consequential damages arising from your use of the App or your interactions with third-party lenders.

13. Indemnification

You agree to indemnify and hold harmless Cash Advance by Home Finance, its officers, employees, and affiliates from any claims, losses, or damages resulting from your use of the App or violation of these Terms.

14. Changes to These Terms

We may update or revise these Terms at any time. Changes become effective upon posting within the App. Continued use after updates means you accept the revised Terms.

15. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute arising from these Terms shall be resolved through binding arbitration in Delaware, unless prohibited by law.

16. Contact Us

If you have questions or concerns regarding these Terms, contact us at:

CO Home Finance LLC
Email: support@CoHomeFinance.com

By using Cash Advance by Home Finance, you confirm that you have read, understood, and agreed to these Terms & Conditions.