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Privacy Policies and Terms of Use
FACTS WHAT DOES NET PAY ADVANCE, INC. ("NPA, Inc.") DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and bank account information
  • Account balances and income
  • Payment history and credit history
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons NPA, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does NPA, Inc. share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes Yes
For joint marketing with other financial companies No We don't share
For our affiliates’ everyday business purposes – information about your transactions and experiences No We don’t share
For our affiliates everyday business purposes – information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don't share
To limit our sharing
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call (888) 942-3320 or go to www.netpayadvance.com.
Who we are
Who is providing this notice? Net Pay Advance, Inc. is providing this notice, and it applies to all loans and lines of credit made by Net Pay Advance, Inc. and all products and services offered in connection with such loans and lines of credit.
What We Do
How does NPA, Inc. protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain physical, electronic and procedural safeguards i.e. computer virus protection software, firewalls, 128 bit Secure Socket Layer. Only authorized employees have access.
How does NPA, Inc. collect my personal information? We collect your personal information, for example, when you
  • Apply for a loan
  • Give us your income information
  • Provide employment information
  • Provide account information
  • Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates' everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account
Definitions
Affiliates Financial and nonfinancial companies related by common ownership or control.
  • Our affiliates include companies with a common corporate identity of NPA, Inc.
Nonaffiliates Financial and nonfinancial companies not related by common ownership or control.
  • Nonaffiliates we share with can include direct marketing companies for application resell, direct mail and other purposes.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.
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Net Pay Advance, Inc. SMS Short Code Terms of Service

Please read these terms and conditions carefully as they constitute a legal agreement between you (“you” or “your”) and Net Pay Advance, Inc., referred to as (“Net Pay Advance, Inc.”, “we”, “us” or “our”).

If you do not understand any of these Terms and Conditions, please consult with a legal expert for clarification.

SMS Short Code Program Services

Account Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. related to your account including but not limited to:

  • Application completion assistance
  • Payment due date reminders and notifications

Marketing/Promotional Services – By providing your mobile telephone number you expressly consent to receive text notifications from Net Pay Advance, Inc. for special offers including but not limited to:

  • New products and services
  • Promotional campaigns and valuable offers

When you opt-in to the service, we will send you an SMS message to confirm your signup.

You can cancel the SMS service at any time. Just text "STOP" to 88571. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text "HELP" to 88571. After you send the SMS message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to four messages per month. If you have any questions about your text plan or data plan, you should contact your wireless service provider. For all questions about the services provided by this SMS short code, you can send an email to customerservice@netpayadvance.com

Limitation of Liability

The SMS Short Code Program Services are provided on an “as is” basis. Delivery of content and/or information to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Net Pay Advance, Inc.’s control, and Net Pay Advance, Inc. is not responsible or liable for issues arising from them.

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Loans approved before 5:30 PM PT today will be deposited on Thursday, December 13, 2018.

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By submitting your information you understand and agree to our Privacy Policy and Terms of Use.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Net Pay Advance, Inc. is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law