Text Message Policy

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This Text Message Policy explains how text messages (SMS/MMS) related to loan requests submitted through PaydayLoans.Epigenome-Noe.net work and how to stop them. It forms part of our Terms of Use and should be read with our Privacy Policy.

Consent

You will receive text messages only if you provide your mobile number and agree to receive texts when you submit a request. Messages may be sent by the form operator or by lenders and partners reviewing your request, and may use automated technology. Consent to marketing texts is not a condition of obtaining a loan or using this Site.

Types of messages

  • Updates about your loan request, such as confirmation and next steps
  • Identity or verification codes
  • Offers or reminders, where you agreed to receive them

Frequency and charges

Message frequency varies with your activity. Message and data rates may apply according to your mobile plan; we do not charge for text messages.

How to opt out

Reply STOP to any message to stop receiving texts from that sender. You may receive one final message confirming your opt-out. Reply HELP for help, or email [email protected]. If you received texts from more than one sender, reply STOP to each of them.

Carriers

Mobile carriers are not liable for delayed or undelivered messages. Supported carriers may change.

Your mobile information

Payday Linet does not sell or share mobile phone numbers or text-message consent collected for SMS purposes with third parties for their own marketing. Lenders and partners that text you are responsible for their own messaging practices.

Wrong number or changed number

If you change or give up your mobile number, reply STOP from that number first, or email us so we can pass on your request.

Changes

We may update this policy. The current version is always available on this page.

An online loan request service by Payday Linet LTD, Dallas, Texas. One short form to see whether lenders in our partners' network may offer you a short-term loan.

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Payday Linet LTD
325 North St. Paul Street, Suite 2710
Dallas, TX 75201, USA
+1 (214) 965-8600

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About our service. PaydayLoans.Epigenome-Noe.net (the “Site”) is an online loan request service operated by Payday Linet LTD (“Payday Linet,” “we”). The Site does not offer or make loans, does not make credit decisions, and does not act as a loan broker or agent of any lender. We provide a service that lets you submit a loan request so that lenders and lending partners can review it. We do not charge you for using the Site.

Your information. Payday Linet LTD does not collect, store or sell your personal information. The request form is provided and operated by a third-party partner: the information you enter goes directly to that form operator and to lenders in its network under the privacy notice shown with the form, so they can evaluate your request. Lenders may verify your identity and may obtain your credit report from Equifax, Experian or TransUnion or use alternative credit data. See our Privacy Policy and Privacy Choices.

Rates, fees and terms. Lenders set their own rates, fees and repayment terms, and Payday Linet has no control over them. Before you sign, the lender (or, in Texas, the Credit Access Business) must disclose the APR, finance charge, total of payments and payment schedule. Read them carefully; you are under no obligation to accept an offer. Representative example: a $300 loan repaid in one payment after 14 days with a $45 fee has an APR of about 391%. Late or missed payments may result in additional fees, collection activity and negative credit reporting. Renewals and refinancing increase the total cost.

Availability. Not all lenders operate in all states, and loan amounts, products and terms depend on state law. Short-term loans are not available in every state, and service areas may change without notice. Submitting a request does not guarantee that you will be connected with a lender or receive a loan offer. Check that a lender is licensed with your state regulator before you agree to a loan.

Compensation. Payday Linet may be compensated by lenders or partners when you submit a request or obtain a loan. See How We Make Money and our Advertising Disclosure.

Important. Short-term loans are meant for short-term financial needs, not as a long-term solution. Information on this Site is general and is not legal, tax or financial advice. If you have trouble repaying, contact your lender right away; a nonprofit credit counselor can also help. Active-duty service members and their dependents are protected by the Military Lending Act.

© Payday Linet LTD · 325 North St. Paul Street, Suite 2710, Dallas, TX 75201. All rights reserved.Payday Linet LTD operates an online loan request service. Loans, rates and credit decisions are provided by participating lenders.