1. Eligibility: To be eligible for a loan from Rick Bars Marketing Loans, you must be at least 18 years of age and a legal resident of the United States. Additionally, you must have a valid bank account and a steady source of income.

2. Loan Terms: The loan terms will be agreed upon at the time of application and will be provided in writing to the borrower. This will include the loan amount, interest rate, repayment schedule, and any fees associated with the loan. It is the borrower’s responsibility to review and agree to these terms before accepting the loan.

3. Payment: Loan payments must be made on time as per the agreed upon repayment schedule. Failure to make timely payments may result in additional fees or penalties. In the event of default, we reserve the right to pursue all legal remedies available to us.

4. Fees: Rick Bars Marketing Loans may charge fees for services such as loan origination, late payment, and prepayment. These fees will be disclosed in the loan agreement and must be paid by the borrower.

5. Privacy: We take your privacy seriously and will only use your personal information for the purpose of providing financing services. We will not share your information with third parties except as required by law.

6. Termination: We reserve the right to terminate any loan agreement at any time, for any reason. Termination may result in immediate repayment of the loan and any fees or penalties associated with the loan.

7. Dispute Resolution: Any disputes or disagreements must be resolved through arbitration. Both parties will agree to an arbitrator, and the decision of the arbitrator will be final and binding.

By using our services, you acknowledge and agree to these Terms of Service. If you have any questions or concerns, please do not hesitate to contact us.