Terms & Conditions of Use
Effective: June 1, 2025
By accessing the stayhealthycalifornia.com website (the "Website"), you agree to be bound by these terms and conditions (the "Terms"). Please read these Terms carefully. If you do not agree to these Terms, please exit the Website immediately.
Loan Referral Service
Our loan referral service (the "Service") connects consumers with prospective lenders participating in our network (the "Lender Partners"). To use the Service, you must complete an online request form (a "Request Form") that requests personal information from you, including your name, address, telephone number, email address, social security number, bank account information, and employment information. Our collection and use of this information is subject to the Website's Privacy Policy, which is incorporated into these Terms.
Credit Decisions
stayhealthycalifornia.com is not a lender and does not make loans or credit decisions. stayhealthycalifornia.com does not guarantee that any Lender Partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions. stayhealthycalifornia.com does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by Lender Partners through the Service are the best terms available in the market.
Once you submit a Request Form, stayhealthycalifornia.com shares your information with our Lender Partners. By submitting a Request Form, you understand and agree that you requesting loan offers from the Lender Partners. You are also agreeing that stayhealthycalifornia.com and the Lender Partners may contact you by any means (including email, telephone, SMS, and direct mail) so that they may assist in processing your Request Form or provide information to you about additional offers now or in the future.
Lender Partners who receive your Request Form review your information in real-time to determine whether your information meets the Lender Partner's underwriting criteria. Lender Partners may use your Request Form information to perform a credit check. This credit check may be a formal credit inquiry which leaves a record on your credit report and may affect your credit score (a "Hard Check"). Or it could be an informal inquiry which will not affect your credit (a "Soft Check"). These credit checks may be performed through TransUnion, Equifax, or Experian (the "Big Three") or they may be performed through other alternative credit reporting agencies or data aggregators (such as Microbilt, Teletrack, DP Bureau, or DataX) that track consumer transactions with lending institutions. By submitting your Request Form, you agree to allow Lender Partners to review, verify, and research your information in such a manner.
If a Lender Partner determines that your Request Form meets its underwriting criteria, your browser will be redirected to the lender's website. You understand and agree that, once you have been redirected to the lender's website, stayhealthycalifornia.com has no further involvement in the loan registration or decision process. Your interactions with the lender are subject to privacy policy, terms of use, and other policies or terms enforced by that lender.
Electronic Disclosure
By Submitting your Request Form you agree to receive notifications, disclosures, and other documents and communications both from stayhealthycalifornia.com and from our Lender Partners. If you are connected to a Lender Partner, that lender may require you to execute an electronic loan contract. This electronic loan contract will be as binding as a loan contract in paper form. And your electronic signature will be as valid as a physical signature on a paper loan contract.
The lender may also require you to consent to receiving all notifications regarding your loan electronically. These electronic communications may include attempts to collect a debt.
Additionally, the lender may require you to access documents related to a loan, including your loan contract. By Submitting your Request Form you agree to this form of access.
The lender may allow you to withdraw your consent to electronic disclosures. Please contact the lender with whom you were connected to learn more about this process. Please note, however, that not consenting to receive electronic disclosures may affect your ability to receive a loan from a Lender Partner.
Accuracy
You represent that the information you provide to stayhealthycalifornia.com, and ultimately, the Lender Partners, through your Request Form is accurate and truthful. If the information in your Request Form is not accurate and truthful, stayhealthycalifornia.com may deny, suspend, or terminate your use of the Service.
Control over Features, Functions, and Access to the Service
stayhealthycalifornia.com may change any information, features, or functions of the Service without prior notice. stayhealthycalifornia.com may deny you access to all or part of the Service without prior notice if you engage in any conduct or activities that stayhealthycalifornia.com determines, in its sole discretion, violate these Terms, the rights of stayhealthycalifornia.com or any third party, or is otherwise inappropriate. stayhealthycalifornia.com is not responsible for any errors or delays in providing Service caused by errors in the Request Form information provided by you or by any technical problems beyond its reasonable control.
Disclaimers and Limitations
THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." STAYHEALTHYCALIFORNIA.COM EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.
STAYHEALTHYCALIFORNIA.COM MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THE WEBSITE OR THE SERVICE IS AT YOUR OWN RISK.
STAYHEALTHYCALIFORNIA.COM OR THE LENDER PARTNERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE WEBSITE OR THE SERVICE OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF STAYHEALTHYCALIFORNIA.COM OR THE LENDER PARTNERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
STAYHEALTHYCALIFORNIA.COM DOES NOT ENDORSE OR RECOMMEND THE PRODUCTS OF ANY PARTICULAR LENDER. STAYHEALTHYCALIFORNIA.COM IS NOT AN AGENT OF YOU OR ANY PARTICIPATING LENDER. STAYHEALTHYCALIFORNIA.COM IS NOT INVOLVED WITH THE LENDER'S USE OR REVIEW OF YOUR REQUEST FORM INFORMATION OR IN MAKING A DETERMINATION ABOUT WHETHER YOU MEET A PARTICULAR LENDER'S UNDERWRITING CRITERIA. THE LENDER IS SOLELY RESPONSIBLE FOR ITS SERVICES TO YOU, AND YOU AGREE THAT STAYHEALTHYCALIFORNIA.COM WILL NOT BE LIABLE FOR ANY DAMAGES OR COSTS OF ANY TYPE ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICE. YOU UNDERSTAND THAT LENDER PARTNERS MAY KEEP YOUR REQUEST FORM INFORMATION, WHETHER OR NOT YOU ARE QUALIFIED FOR A LOAN WITH THEM.
SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF STAYHEALTHYCALIFORNIA.COM, THE LENDER PARTNERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Indemnity
As a condition of using the Website or the Services, you agree to indemnify stayhealthycalifornia.com and the Lender Partners from and against any and all liabilities, expenses (including attorney's fees) and damages arising out of claims resulting from your use of the Website, including any claims alleging facts that if true would constitute a breach by you of these Terms.
Links to Third Parties
The Website may contain links to other websites operated by Lender Partners or other third parties. These links are provided for your convenience and reference only. stayhealthycalifornia.com does not operate or control in any respect any information, software, products, or services available on such third party sites. stayhealthycalifornia.com's inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Dispute Resolution
Any claim or controversy arising out of or relating to the use of the Website, to the use of the Service, or to any acts or omission for which you may contend stayhealthycalifornia.com is liable (a "Dispute"), will be settled exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Los Angeles, California and judgment on the arbitration award may be entered into any court of competent jurisdiction. No arbitrator will have the power to award damages in connection with any Dispute in excess of actual compensatory damages and will not multiply actual damages or award consequential, punitive, or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate will not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.
BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO SETTLE ANY DISPUTES WITH STAYHEALTHYCALIFORNIA.COM IN A COURT OF LAW OR BEFORE A JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING STAYHEALTHYCALIFORNIA.COM'S SERVICE, YOU CONSENT TO THESE RESTRICTIONS.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and stayhealthycalifornia.com, you agree that jurisdiction over and venue of any suit will be exclusively in the state and federal courts sitting in Los Angeles, California. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one year after such claim or cause of action arose or be forever barred.
SMS Terms & Conditions
By providing a mobile phone number you are opting in to communications via SMS from stayhealthycalifornia.com and the Lender Partners. These communications may include a follow-up SMS message containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers.
For additional support:
Message and Data Rates May Apply. Under no circumstances will stayhealthycalifornia.com be responsible for fees that your wireless carrier or other third parties may charge you for use of this service.
Messages may be delayed or undelivered for various factors. Carriers are not liable for delayed or undelivered messages.
Other Terms
These Terms constitute the entire agreement between you and stayhealthycalifornia.com. These Terms will be governed by the laws of California without regard to its conflict of law principles. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely connects the intent of the original provision and the remainder of these Terms will remain in effect. Any failure by stayhealthycalifornia.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. stayhealthycalifornia.com may amend these Terms at any time by posting the amended terms on its website. All amended terms are automatically effective immediately upon posting.
Questions
You may direct any questions concerning these Terms to:
stayhealthycalifornia.com1455 Frazee Rd,
San Diego, CA 92101
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Footnotes
(*) - Your funds could be sent to your account as soon as 15 minutes once you have been approved. The lender you are matched with, and your own bank's policies and procedures, will determine how long it takes for the funds to arrive in your account and this could be longer than 15 minutes.
(**) - The offer process is completed in an average time of 3 minutes but can be completed within as little as 1 minute. You will receive a loan offer after submitting all required details if you're approved by a lending partner.
(***) - Some of our providers offer rates as low as 5.99% APR but these rates are not available to every customer. Repayment terms can vary, are for closed end loan products and do not reflect the full range of products available throughout our network.
(1) - Although some providers offer rates from 4.95% up to 35.99% APR rates that low are only available to certain customers. The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network.
Material Disclosure
APR Disclosure
Annual Percentage Rate (APR) refers to the annual interest generated by a sum that is then charged to borrowers. APR is expressed as a percentage that represents the annual cost of borrowing over the term of the loan. This figure includes any fees or additional costs associated with the loan. The APR provides consumers with one bottom-line number they can compare with other loan offers, credit cards, or investment products. StayHealthyCalifornia cannot guarantee any APR as we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99%. Loan products generally have a 61-day minimum repayment term and a 6 year maximum repayment term. When considering accepting a loan from a lender within the StayHealthyCalifornia network, please read any agreement documentation carefully as the APR and repayment terms may differ from what is listed on this site. Representative Examples of APR can be found in the APR Disclosure & Range section of our homepage.
Legal Disclaimer
StayHealthyCalifornia.com connects borrowers with lenders or other lending partners and therefore the specific terms and conditions of a specific lender or lending partner will apply to any loan a borrower takes out with that lender. We are compensated by these lenders or lending partners for connecting you with them, and this compensation could influence which offers are presented to you Please be aware that any information regarding APR, loan amounts, interest rates, or other loan specifics should be seen as approximate estimations. The exact figures will depend on the lender or lending partner and your circumstances. Note that credit checks might be conducted by some lenders or lending partners as part of their credit transaction approval process. The lender or lending partner you connect with may not offer the best possible terms available to you and borrowers should always compare all available options before making any decisions. In addition, you may be connected with a tribal lender. Tribal lenders' rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws rather than state laws. PLEASE NOTE THAT STAYHEALTHYCALIFORNIA.COM AND ITS OWNERS AND OPERATORS OF ARE NOT LENDERS, we do not broker loans and we do not make loans or credit decisions. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative or broker of any lender or lending partner and does not endorse or charge you for any service or product.
Material Disclosure
The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law, and we do not predict or determine the interest rates and finance charges applied to any loan offered by lenders. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR, which may vary based on your creditworthiness, state, and lender or lending partner. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender, but it is your responsibility to carefully review and accept the terms of any loan offer. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site's Terms of Use and Privacy Policy.
Service Role and Limitations
StayHealthyCalifornia acts solely as a referral service and is not a lender. We do not predict or determine the fees, interest rates, or other financial implications associated with any loans you may be offered by participating lenders. Our role is to connect you with our network of qualified lenders, and we do not participate in the decision-making process regarding loan approvals, terms, or conditions. It's important for users to understand that our service involves no predictive assessment or guarantee of the loan terms you may receive.
Exclusions
Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.
Credit Implications
The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit to assess your creditworthiness, credit standing, and credit capacity. By engaging with our service and submitting your information, you consent to allow these credit checks by potential lenders. It is important to understand that missing a payment or making a late payment on a loan can negatively impact your credit score. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Please note that StayHealthyCalifornia is not a lender and does not engage in debt collection. The collection practices of each lender in our network are provided in their respective loan agreement. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender's renewal policy.
Company Information
We are a referral service only and do not directly fund any credit product. Your request will be referred to a third-party lender who will contact you directly to ascertain if they can facilitate your requirements, as we do not directly fund any credit product. The third party will appraise you of their fees, charges and terms before you would enter any contract with them. We may receive a referral fee (amount not ascertainable) from the third party depending on the outcome of their dealings with you. It is recommended that you obtain independent legal and financial advice before taking up any products that you may be referred to and offered.
Address: 1455 Frazee Rd, San Diego, CA 92101