This Marketing Practices disclosure describes how Naos Finances LLC ("Company," "we," "us," or "our") markets the Cash Advance Naos - Get Loans loan matching service, including our advertising practices, communications, and compliance with applicable laws.
1. Overview
Naos Finances LLC operates Cash Advance Naos - Get Loans, a loan matching service that connects consumers with third-party lenders. We are not a lender. We market our service through various channels, including our website, email, SMS, phone, display advertising, and social media. We are committed to transparent, fair, and compliant marketing practices.
2. Marketing Channels
2.1 Website and Digital
We maintain our website and may use search engine marketing, display advertising, and affiliate or partner channels to reach potential users. All digital content is designed to accurately represent our service and comply with applicable advertising standards.
2.2 Email
We may send email communications to users who have provided their email address, including application confirmations, loan offer notifications, marketing messages (where permitted by law), and transactional communications. We comply with the CAN-SPAM Act and similar laws. All marketing emails include an unsubscribe option. Users can opt out at any time via our Unsubscribe page.
2.3 SMS and Text Messaging
With your consent, we may send SMS/text messages regarding your application, loan offers, and account updates. Marketing messages may be sent where you have opted in. Message and data rates may apply. You may opt out by replying STOP to any message or by contacting us.
2.4 Telephone
We and our lending partners may contact you by phone regarding your application or loan offers. We comply with the Telephone Consumer Protection Act (TCPA) and state telemarketing laws. You may opt out of marketing calls at any time. Consent to be contacted is not required to use our service.
3. Advertising Standards
We adhere to the following principles in our marketing:
- Accuracy: All claims about our service, loan amounts, rates, terms, and processes are accurate and not misleading.
- Transparency: We clearly disclose that we are a loan matching service, not a lender, and that loan offers come from third-party lenders.
- No Guarantees: We do not guarantee loan approval, specific rates, or funding. All lending decisions are made by lenders.
- Fair Representation: We do not use deceptive tactics, false urgency, or misleading headlines.
4. Loan Amounts, Rates, and Terms
When we advertise loan amounts ($100–$5,000), terms (3–24 months), or APR ranges (5.99%–35.99%), these are representative examples. Actual offers depend on your eligibility, credit profile, and the lender's policies. We do not guarantee that you will qualify for any specific amount, rate, or term.
5. Third-Party Marketing and Lead Generation
We may work with third-party marketing partners, affiliates, or lead generators who refer users to our service. These partners are required to comply with applicable laws and our marketing standards. We do not endorse or control the practices of third-party websites that may link to us. If you have concerns about how you were referred to us, please contact us.
6. Opt-Out and Unsubscribe
You may opt out of marketing communications at any time:
- Email: Click the unsubscribe link in any marketing email, or visit our Unsubscribe page.
- SMS: Reply STOP to any text message.
- Phone: Tell the representative you wish to opt out, or contact us.
Opting out of marketing does not affect transactional communications (e.g., application status, loan offers).
7. Do Not Call and Do Not Mail
We honor requests to be placed on our internal Do Not Call and Do Not Mail lists. To be added, contact us at [email protected]. Note that we may still contact you regarding an existing application or account.
8. Compliance
We comply with federal and state laws governing marketing and consumer communications, including but not limited to:
- CAN-SPAM Act (email)
- Telephone Consumer Protection Act (TCPA) (calls and texts)
- California Consumer Privacy Act (CCPA)
- State consumer protection and advertising laws
9. Contact
For questions about our marketing practices or to opt out, contact us at:
Naos Finances LLC
901 W Ash St, Columbia, MO 65203-2635
Phone: (720) 924-4186
Email: [email protected]
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