Disclosure & Agreement - KPF Advance: Cash Plan Finder

Service Disclosure

KPF Advance: Cash Plan Finder is not a lender. We do not:

Make credit decisions
Guarantee loan approval or specific loan terms

We operate a referral service, connecting you to independent lenders. All loan terms, including interest rates, repayment schedules, and fees, are set by those lenders. You are under no obligation to accept any offer.

Please read all lender terms carefully. We make no guarantees that:

You will be approved for a loan
The loan terms will meet your needs
The loan will be suitable or beneficial to your financial situation

Liability Limitations

KPF Advance: Cash Plan Finder is not responsible for:

Loan agreements or decisions made by third-party lenders
Lender actions such as debt collection or interest charges
Any financial consequences or disputes arising from loans initiated through the platform

Using our service does not create a borrower-lender relationship between you and KPF Advance: Cash Plan Finder. Any questions about a loan should be directed to the lender offering it.

By using this website or app, you acknowledge and agree that KPF Advance: Cash Plan Finder is not liable for any outcome resulting from your use of the service or a loan obtained through a third-party lender.

Credit Authorization & Electronic Disclosure

Share your information with lenders to determine eligibility
Verify your identity and prevent fraud
Review your credit history (performed by the lender, not KPF Advance: Cash Plan Finder)
Use alternative credit assessment methods where applicable
Retain your data as required by law

Electronic Communication Consent

By applying, you consent to receive communications electronically, including loan disclosures, offers, terms, agreements, and legal notices. Paper copies may not be provided unless explicitly requested from the lender.

KPF Advance: Cash Plan Finder itself does not perform credit checks but transmits your data to lenders who may do so in accordance with their own policies.

Marketing Practices

At Kroger Personal Finance LLC, we are committed to using responsible, transparent marketing to keep you informed about KPF Advance: Cash Plan Finder's services and offers. We engage in digital marketing through several channels, including:

Email Communications

We may send you emails to:

Share updates about KPF Advance: Cash Plan Finder
Introduce new features or services
Provide information about relevant loan options and promotions from our lending partners

Opting Out: You can unsubscribe from marketing emails at any time by clicking the "unsubscribe" link in our emails or by contacting us at support@kpfadvance.com.

Note: You may still receive essential service-related messages (e.g., account notices or application updates).

Retargeting Advertising

How It Works: Retargeting uses cookies or similar technologies to display relevant ads based on your previous interactions with KPF Advance: Cash Plan Finder. These ads may appear across other websites or social media platforms you visit.

Ad Control Options: You can manage your ad preferences or opt out of personalized ads through settings on platforms like Google and Facebook. For details, refer to their privacy policies and ad settings tools.

Marketing Consent

We typically collect your consent for marketing during the application or sign-up process. We provide clear notice when collecting your contact information, and you can withdraw your consent at any time using the methods described above.

Data Used for Marketing

We may use limited personal information for marketing purposes, such as your:

Contact details (e.g., email address)
Anonymized or aggregated data to analyze campaign effectiveness

We do not share sensitive personal or financial data with advertising platforms for their own independent marketing.

Our Commitment

Kroger Personal Finance LLC adheres to all applicable laws and best practices in our marketing efforts. We respect your privacy and communication preferences and aim to provide marketing that is both relevant and respectful.