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The short version: this is published information, not advice, and you use it at your own risk.
PaydayWatch is published by Resultex Media Group LLC, 112 Main St., Suite 210, East Rockaway, NY 11518. References to “we” and “us” on this site mean that company.
PaydayWatch publishes information about payday and high-cost lending law, and about complaints filed against lenders with a federal agency. Everything is sourced and cited.
It is not legal advice. We are not lawyers and nothing here creates a lawyer-client relationship. Whether a law applies to your loan depends on facts specific to it — where it was made, who made it, what you signed and when.
It is not financial advice. We do not know your circumstances and cannot recommend a course of action.
It is not a substitute for a regulator or a lawyer. Where a page names a regulator, contact them. Legal aid offices handle consumer credit matters routinely and are normally free.
We verify against primary sources — statutes, regulators and courts — and monitor those sources for change. Every figure links to where it came from.
Even so, law changes and pages go stale. We have already found this on our own site and published the correction. Check the source before relying on anything here, especially where money or a legal position turns on it.
We make no warranty that the information is complete, current or fit for any particular purpose.
This site is provided for general information only, on an “as is” and “as available” basis, without warranties of any kind, express or implied. We work to keep the information accurate and traced to primary sources, but we do not warrant that it is complete, current or error-free, and the law and its enforcement change over time.
Nothing on this site is legal or financial advice, and using it creates no attorney–client or other professional relationship. Decisions about a loan, a debt, a lawsuit or a payment are your own; for advice on your particular situation, consult a licensed attorney or a non-profit credit counsellor.
To the fullest extent permitted by law, Resultex Media Group LLC and its contributors are not liable for any loss or damage arising from your use of, or reliance on, this site or any website it links to. Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you.
Complaint figures come from the CFPB Consumer Complaint Database, a public federal dataset. Complaints are allegations and are published by the Bureau after the company responds or after 15 days, whichever comes first. A complaint is not a finding of wrongdoing.
State law descriptions are our reading of published statutes and regulator materials, cited so you can check them.
If a company believes something here is wrong, send the correction with a source to [email protected]. We will check it against the primary source, correct it if we have it wrong, and publish the correction with a date — and we will publish the fact that you asked. We do not take pages down.
Resultex Media Group LLC is a New York limited liability company, so New York law is the likely choice. The clause itself still needs drafting by a lawyer — a governing law and venue provision that has not been reviewed is worth very little, and a badly drafted one can be worse than none.