Terms of Use — bjsfinances.com and Payday Loans: BJS Finances
Effective Date: June 1, 2026
Last Updated: June 1, 2026
These Terms of Use ("Terms") apply to your access and use of bjsfinances.com (the "Site"), the Payday Loans: BJS Finances (the "App"), and related services operated by BJS Finances LLC (together, the "Service").
By visiting the Site, installing the App, creating an account, submitting information, or otherwise using the Service, you agree to these Terms, our website Privacy Policy, and our App Privacy Policy. If you do not agree, do not use the Service.
1. Acceptance of Terms
Your use of the Service means you have read these Terms, understand them, and agree to be bound by them as a contract with BJS Finances LLC. If we publish updated Terms, your continued use after the effective date of those updates constitutes acceptance of the revised version, except where additional consent is required by law.
2. Who We Are and What We Provide
BJS Finances LLC is a Colorado-organized company that operates an online platform at bjsfinances.com for searching, comparing, and connecting with third-party providers of loans and related financial products.
BJS Finances is not a lender, loan broker, bank, credit union, or other financial institution. We do not originate loans, advance funds, perform underwriting, approve or decline applications, set APRs or fees, establish repayment schedules, or guarantee that any user will receive an offer or funding. The Service is designed to help you discover options that participating providers may make available based on information you voluntarily provide.
Any credit, loan, or financial product you obtain is offered solely by an independent third-party provider under that provider's own agreements, disclosures, and eligibility standards. Your legal relationship regarding any financial product is with the provider, not with BJS Finances.
3. Eligibility
You may use the Service only if you are at least eighteen years old, live in the United States, have the legal capacity to enter a binding agreement, and provide information that is truthful and accurate to the best of your knowledge.
The Service is intended for residents of supported U.S. jurisdictions. It is not available to users in New York. Actual availability of providers or product types may vary by state, provider policy, and applicable regulation.
4. Account Registration and Security
Some features may require you to register an account. You agree to supply current and accurate registration details, keep your login credentials confidential, prevent others from using your account without permission, and notify us promptly if you suspect unauthorized access.
You are responsible for activity that occurs under your account unless it results from our own misconduct. We may suspend or close accounts that we reasonably believe are associated with fraud, abuse, or a violation of these Terms.
If you provide a mobile number, you may receive transactional or service-related messages. Where we send marketing text messages that may be subject to the Telephone Consumer Protection Act (TCPA), we obtain any legally required prior express written consent before sending autodialed or prerecorded marketing texts. Consent to marketing texts is not required to open or maintain an account where prohibited by law. You may opt out of marketing SMS as described in our Privacy Policy or by replying STOP where applicable.
5. Matching and Referral Process
The Service functions as a search, comparison, and referral tool. When you submit profile or preference information, we may apply criteria published by participating providers, filter the network based on what you share, and present providers whose published requirements may align with your submission.
We do not promise that you will receive any offer, that any application will be approved, that funds will be delivered, that specific rates or terms will apply, or that any particular provider will be available. Approval, pricing, and funding decisions are made exclusively by third-party providers after their own review.
6. Compensation and Affiliate Disclosure
BJS Finances may earn compensation from participating partners when users click offers, submit applications, complete registrations, or activate or fund products where applicable under commercial arrangements. This compensation does not increase amounts charged directly to you by providers, does not constitute an endorsement of any provider, and does not guarantee placement or approval. Additional disclosure about commercial relationships may appear elsewhere on the Service.
7. User Responsibilities
You agree to use the Service lawfully and in good faith. You must not submit false or misleading information, impersonate another person, provide data you are not authorized to share, interfere with the operation of the Service, attempt unauthorized access, scrape or crawl the Site or App, reverse engineer our software except where law permits, reproduce our materials for commercial use without permission, or introduce malware, spam, or harmful code.
Violations may lead to suspension, termination, or legal action where appropriate.
8. Third-Party Services and Providers
The Service includes links, referrals, redirects, and integrations that take you to third-party websites, applications, and providers. Once you leave our Service or continue with a provider, that party's terms, privacy practices, and customer policies govern your relationship with them.
BJS Finances is not responsible for provider underwriting decisions, funding timing, repayment obligations, servicing, collections, customer support, or disputes between you and a provider. Any questions about a loan or financial product should be directed to the provider that offered it.
9. No Financial, Legal, or Tax Advice
Content on the Service—including articles, FAQs, comparisons, and educational material—is provided for general information only. Nothing on the Site or App is financial, lending, legal, tax, or investment advice, and nothing should be treated as a recommendation tailored to your circumstances.
You are responsible for evaluating your own financial situation, reading provider disclosures carefully, and consulting qualified professionals before entering any agreement.
10. Intellectual Property
The Service and its software, design, layout, branding, graphics, text, and other content are owned by or licensed to BJS Finances LLC and are protected by intellectual property laws. You may not copy, republish, distribute, commercially exploit, or create derivative works from our materials without prior written permission, except for personal, non-commercial viewing as permitted by the Service itself.
Third-party names, logos, and trademarks belong to their respective owners and are used for identification purposes only.
11. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, BJS FINANCES LLC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, AND AVAILABILITY.
We do not warrant that the Service will be uninterrupted, error-free, secure, or free of defects; that errors will be corrected; that results will meet your expectations; or that any loan or financial product will be approved or funded.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BJS FINANCES LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total aggregate liability for any claim arising out of or relating to the Service shall not exceed the greater of (a) one hundred U.S. dollars (USD $100) or (b) amounts you actually paid to BJS Finances LLC for the Service during the twelve months before the event giving rise to the claim.
13. Indemnification
You agree to indemnify, defend, and hold harmless BJS Finances LLC and its affiliates from claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your breach of these Terms, your violation of applicable law, or any dispute between you and a third-party provider related to information you submitted through the Service.
14. Binding Arbitration; Governing Law; Class Action Waiver
(a) Governing law. These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules that would apply another jurisdiction's laws.
(b) Informal resolution. Before starting arbitration, you agree to email [email protected] with a brief description of the dispute and allow at least thirty days for us to try to resolve it informally.
(c) Binding arbitration. Except for individual disputes that qualify for small claims court in Boulder County, Colorado, or in the small claims court serving the county of your principal residence, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or successor rules), as modified by this section. A single arbitrator shall be appointed. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. Unless we agree otherwise in writing, arbitration shall take place in Boulder County, Colorado. Each party bears its own attorneys' fees and costs unless the arbitrator awards them under applicable law.
(d) Class action waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND BJS FINANCES LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and BJS Finances agree otherwise, the arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If a court or arbitrator determines that this class action waiver is unenforceable for a particular claim, the arbitration requirement may not apply to that claim; the remainder of this section remains in effect.
(e) Injunctive relief. Either party may seek temporary injunctive or other equitable relief in state or federal courts located in Boulder County, Colorado, for disputes involving intellectual property, unauthorized access, or misuse of the Service, without waiving arbitration for underlying monetary claims unless otherwise permitted.
15. Termination
You may stop using the Service at any time. We may suspend, restrict, or terminate your access immediately if we reasonably believe you violated these Terms, engaged in fraud or abuse, created legal or compliance risk, or threatened the integrity or security of the Service. Termination does not eliminate rights or obligations that accrued before it took effect.
16. Force Majeure
BJS Finances is not liable for delay or failure to perform caused by events beyond our reasonable control, including internet or hosting outages, cyberattacks, natural disasters, government actions, or labor disruptions.
17. Changes to Terms
We may revise these Terms from time to time. Updated versions will be posted on this page with a revised effective date. Where practical, we may also highlight material changes through notices on the Site or App or by email. Your continued use after updated Terms take effect constitutes acceptance.
18. Survival
Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, arbitration and governing law, and Apple App Store provisions survive termination of your use of the Service.
19. Apple App Store and Third-Party Beneficiary
If you download or use the Payday Loans: BJS Finances from the Apple Inc. ("Apple") App Store, the following additional terms apply.
These Terms are between you and BJS Finances LLC only, not Apple. BJS Finances LLC is solely responsible for the App and its content. Apple has no obligation to provide maintenance or support for the App. To the maximum extent permitted by law, Apple has no warranty obligation with respect to the App; if the App fails to conform to an applicable warranty that cannot be disclaimed, you may notify Apple and Apple may refund any purchase price for the App, if applicable.
BJS Finances LLC, not Apple, is responsible for addressing claims relating to the App or your use of it, including product liability claims, regulatory compliance claims, and claims under consumer protection or privacy laws. BJS Finances LLC, not Apple, is solely responsible for investigating, defending, settling, and discharging any claim that the App infringes a third party's intellectual property rights.
Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to your license of the App and may enforce these Terms against you as a third-party beneficiary upon your acceptance.
You represent that you are not located in a country subject to a 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. You must also comply with applicable third-party terms when using the App, such as your wireless carrier's data service agreement.
20. Contact Information
For questions about these Terms, contact:
BJS Finances LLC
717 Hawthorn Ave
Boulder, CO 80304-2139
United States
Email: [email protected]