Terms of Use
- Effective Date:
Welcome to newstartadvantage.net (the “Website”), operated by New Start Advantage LLC, a Wyoming limited liability company (“Company,” “we,” “us,” or “our”).
These Terms of Use (“Terms”) govern your access to and use of this Website and any services or content offered through it. By visiting, browsing, submitting information, or using our Website and services, you agree to be legally bound by these Terms and our [Privacy Policy] (incorporated herein by reference).
If you do not accept these Terms, please discontinue use of the Website immediately.
1. Services
By submitting any form or inquiry on this Website, you authorize us to contact you—including via SMS messages—as part of the inquiry, application, or account servicing process.
2. Consumer Disclosures
Loan terms, amounts, and rates vary based on creditworthiness, income, and applicable regulations. Loans are not available outside the state of Utah and are subject to state and federal laws.
3. Licensing Notice
Loans offered through this Website are available only to Utah residents and are issued directly by New Start Advantage LLC.
4. Testimonials
Customer testimonials featured on this Website reflect individual experiences that were voluntarily provided. Any photos are for illustrative purposes only and may not represent the actual individual.
5. Prohibited Conduct
By using this Website, you agree not to:
- Provide false, misleading, or fraudulent information
- Submit information or content that is unlawful, offensive, or harmful
- Infringe upon the intellectual property or privacy rights of others
- Attempt to interfere with or disrupt Website security or performance
- Impersonate another person or misrepresent your affiliation
- Use the Website in violation of any applicable laws or regulations
You are solely responsible for all data and actions taken under your use of the Website.
6. Intellectual Property
All content on this Website—including text, images, graphics, videos, designs, software, and trademarks—is owned or licensed by New Start Advantage LLC and protected by intellectual property laws.
You may:
- View, download, or print Website content for personal, non-commercial use only
You may not:
- Copy, reproduce, modify, distribute, or exploit any Website content
- Use content for commercial purposes without written consent
- Frame or mirror this Website on another domain
7. Third-Party Links & Services
This Website may contain links to third-party websites or services. These are provided for convenience only. We do not control or endorse any third-party content and are not responsible for any damages or interactions resulting from their use.
Your use of third-party websites is at your own risk and subject to their terms and privacy policies.
8. Disclaimer of Warranties
This Website and all services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
We do not guarantee:
- The accuracy, completeness, or availability of the Website or content
- That use of the Website will be uninterrupted or error-free
- That any defects will be corrected
All implied warranties, including merchantability and fitness for a particular purpose, are expressly disclaimed to the fullest extent allowed by law.
9. Limitation of Liability
To the fullest extent permitted by law, New Start Advantage LLC and its affiliates, employees, or service providers shall not be liable for any damages arising out of or related to your use of the Website, including:
- Direct, indirect, incidental, or consequential damages
- Loss of data, income, business, or goodwill
- Errors or delays in Website operation
10. Release of Claims
By using the Website, you agree to release New Start Advantage LLC and its affiliates from any and all claims, demands, or liabilities arising from your access or use of the Website or services.
11. Indemnification
12. SMS Terms of Service
By opting in to receive SMS messages from us, you agree to the following:
- We may send messages related to your loan inquiry, application status, reminders, or account updates
- Message frequency may vary depending on activity
- Message and data rates may apply
- You may opt out at any time by replying STOP
- For help, reply HELP or email [email protected]
We collect SMS consent through clearly labeled opt-in forms with unchecked boxes to ensure affirmative and documented consent. We do not sell or share your mobile number or SMS consent with third parties for marketing purposes.
13. Electronic Communications
By accessing this Website or sending us emails or messages, you consent to receive electronic communications. These communications satisfy any legal requirement for written notice or disclosure.
14. Arbitration Agreement & Class Action Waiver
Any dispute arising from your use of this Website or services shall be resolved through binding arbitration under the Federal Arbitration Act.
- You waive the right to a jury trial or to join a class action
- Arbitration may occur in person, by phone, or in writing
- Arbitrator decisions are final and enforceable
If any portion of this arbitration provision is found unenforceable, the remaining provisions shall remain in full force and effect.
15. Changes to These Terms
We may update these Terms of Use at any time without prior notice. Updated Terms will be posted to this page with a revised effective date. Continued use of the Website after such changes constitutes your acceptance of the revised Terms.
16. Governing Law
These Terms are governed by the laws of the State of Wyoming, excluding its conflict of laws principles.
All consumer lending activities are governed by the applicable laws of the State of Utah, regardless of the user’s location.
Any legal dispute not subject to arbitration shall be resolved in state or federal courts located in Sheridan County, Wyoming.
17. Contact Information
If you have questions or concerns about these Terms, please contact:
New Start Advantage LLC
1309 Coffeen Ave Ste 1200
Sheridan, WY 82801
