Terms of Service

Agreement to Terms

These Terms of Service ("Terms") are a binding agreement between you and Rocket Eagle Financial ("Company," "we," "us," or "our"). By using rocketeaglefinancial.com or submitting a loan application through our service, you agree to these Terms and our Privacy Policy.

What This Service Is (And Isn't)

Rocket Eagle Financial is a connection service for California and Arizona residents seeking payday loans. We route your application to state-licensed lenders. We do not:

• Fund, hold, or service loans
• Set interest rates or fees (your state's law does that)
• Guarantee loan approval
• Make lending decisions
• Collect loan repayments

Any loan you receive is between you and the lender directly. California loans are governed by DFPI regulations ($300 max, $45 fee, 31-day max term). Arizona loans are governed by state licensing requirements ($500 max, 15% fee cap, 35-day max term).

Eligibility

To use our service, you must:

• Be at least 18 years old
• Be a resident of California or Arizona
• Have a valid SSN or ITIN (California)
• Have an active checking account in your name
• Have verifiable regular income (employment, benefits, self-employment)
• Not have an existing active payday loan in the state

Your Responsibilities

Everything you submit must be accurate. Your name, income, employer, bank account—all of it. Submitting false information constitutes fraud under California Penal Code Section 532a and Arizona Revised Statutes Section 13-2310. Beyond legal consequences, false applications waste everyone's time and get flagged in lender databases.

You agree not to:

• Submit applications with false identity, income, or banking information
• Use automated tools, bots, or scrapers on our site
• Submit multiple applications using different identities
• Attempt to access our systems beyond normal site usage
• Use our service for any purpose other than seeking a legitimate payday loan

Data Sharing Consent

By submitting an application, you consent to us sharing your personal and financial information with licensed lenders in our network for the purpose of evaluating your loan request. This includes your name, SSN/ITIN, income details, and banking information. See our Privacy Policy for complete details on data handling.

Third-Party Lenders

We connect you with lenders. We don't control their decisions, terms, or practices. Once a lender approves your application, your relationship is with them—not us. Review all loan terms before accepting. Understand the repayment date, total amount due, and what happens if you can't pay on time.

Cost to You

Our connection service is free. We don't charge application fees, matching fees, or any other cost to consumers. We're compensated by lenders in our network. The only fees you pay are to the lender if you accept a loan—and those fees are capped by your state's law ($45 max in California, $75 max in Arizona).

No Guarantee of Approval

Submitting an application doesn't mean you'll receive a loan offer. Lenders evaluate based on income verification, existing loan database checks, and bank account status. We can't predict or influence their decisions. If declined, the lender may provide a reason—but they're not required to by federal law for this type of product.

Limitation of Liability

Rocket Eagle Financial provides a connection service "as is." We're not liable for: lender decisions, loan terms, funding delays, ACH processing times, or any actions taken by lenders after we make the connection. Our total liability for any claim related to our service is limited to the amount you paid us—which is zero, since we don't charge consumers.

Indemnification

You agree to hold Rocket Eagle Financial harmless from claims arising out of: false information you submitted, your inability to repay a loan, disputes with lenders, or your violation of these Terms.

Intellectual Property

Site content—text, design, logos, code—belongs to Rocket Eagle Financial. Don't copy, scrape, or redistribute it without written permission.

Termination

We can suspend or terminate your access at any time for any reason—including suspected fraud, Terms violations, or abuse of our service. This doesn't affect any existing loan agreements you have with lenders.

Governing Law

These Terms are governed by California law. Disputes will be resolved through binding arbitration in California, not in court. You waive any right to a jury trial or class action related to your use of this service.

Changes

We can update these Terms. Material changes take effect 30 days after posting. Continuing to use the site after that constitutes acceptance.

Severability

If a court finds any part of these Terms unenforceable, the rest stays in effect.

Contact

Questions about these Terms: