Consumer Notice : Payday Loans Are Not A Long Term Financial Solution. Borrowers Facing Debt And Credit Difficulties Should Seek Professional Financial Advice. Borrowers Are Encouraged To Review Local Laws And Regulations Governing Personal Loans.
Availability : Spot Lending Service Is Not Available In All States. Please Review Local Laws And Regulations For Availability In Your Particular State. The States Spot Lending Services May Change From Time To Time Without Notice. All Actions Taken On This Site, Or Legal Concerns Addressing This Site, Are Deemed To Have Taken Place In Nevada, Regardless Of The Location From Where You Access This Site.
Disclaimer : This Spot Lending Does Not Constitute An Offer Or Solicitation To Lend. The Operator Of Spot Lending Is Not A Lender And Does Not Make Credit Decisions. Rather, Spot Lending Provide A Marketplace Service Where Spot Lending Connect You With Lenders In Our Network. Spot Lending Cannot And Do Not Control The Actions Or Omissions Of Lenders In Our Network. Spot Lending Are Not An Agent, Representative Or Loan Broker To Any Lender And We Do Not Endorse Any Particular Lender. Spot Lending Marketplace Service Is Always Free To You. If You Are Ever Asked To Pay A Deposit Or Advanced Payment In Order To Get A Loan, You Should Not Proceed.
|FACTS||WHAT DOES Spot Lending (NESMETAJU LLC) 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.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|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 Spot Lending chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Spot Lending 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||No|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||Yes||No|
|For our affiliates’ everyday business purposes – information about your creditworthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||
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 as noted above.
|Questions?||Call 866-971-7538 or write us at Springates Building, Lower Government Road, Charlestown, Nevis, Saint Kitts And Nevis.|
|Who are we|
|Who is providing this notice?||Nesmetaju LLC (dba Spot Lending)|
|What do we do|
|How does Spot Lending 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.|
|How does Spot Lending collect my personal information?||
We collect your personal information, for example, when you
|Why can’t I limit all sharing?||
Federal law gives you the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.|
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.|
|Other important information|
Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
California residents: We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission (i.e., via a request form). Also please note that in order to provide better services to consumers, when we receive a Do Not Track signal, we may ignore such signals. Other parties may collect personally identifiable information about an individual consumer’s online activities over time and across different web sites when a consumer uses our website or service.
North Dakota residents: We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132; Email: BCPINFO@ag.state.nv.us.
Spot Lending is not a lender and does not approve or deny loans or make credit decisions. provides a marketplace service only and is not acting as a representative, agent, or correspondent for any lender or service provider. does not endorse any particular lender, loan product or service provider,. You are under no obligation to use ’s service to initiate contact with, apply for credit from, or accept any loan product from any lender or service provider. This service is not available in all states.
Participating lenders may verify your social security number, driver’s license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders may obtain such credit reports and verify your information.
There is no fee for you to submit a loan request at . is not a lender and does not provide lending services. Based on the information you submit, will search its vast network of authorized lenders in order to match you with a lender that may be able to serve your needs.
After your information is forwarded to an authorized lender, the lender will evaluate your information and may approve a loan for you. If your loan is approved, you will be redirected to an e-signature page on the lender’s website. All fees and rate information charged by the lender should be disclosed to you at that time. You should carefully and thoroughly review the rates and fees provided by the lender before agreeing to accept the loan or signing any documents. You are under no obligation to accept terms you are not comfortable with, and you should not accept terms that include payment amounts that are too difficult or impossible for you to meet.
If you decide the loan terms provided by the lender are acceptable and wish to proceed, you may e-signature the document. When signing, you are entering into a legally binding contract with the lender and are responsible for repayment of the loan. Your repayment obligation and any other loan-specific questions or concerns are between you and the lender, not .
Cash advances are intended as short-term financial relief and are not long-term financial solutions. If you are facing debt and credit difficulties, you should seek professional financial counseling.
Please visit the Rates & Fees page of this website to learn more about the risks involved with cash advances. You also should review local laws and regulations governing cash advances. Where possible, you are encouraged to explore alternatives to taking out a short term loan.
Spot Lending is not available in all states. specifically does not offer or solicit short-term cash advances in New York, Connecticut or other states where prohibited by law. Notwithstanding the foregoing, all interactions between you and are deemed to have taken place in the state of California regardless of where you access the website.
You acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness.