Effective date: October 1, 2026 · Last reviewed: October 2026

1. Agreement

By accessing or using payactivusa.com (the "Site"), you agree to these Terms of Use. If you do not agree, do not use the Site.

2. Nature of the Site

PayactivUSA is an independent informational and lead-generation website. We provide educational content about Payactiv, the Payactiv Visa® Prepaid Card, earned wage access, and $200–$5,000 personal funding options from licensed third-party lender partners. We are not Payactiv Inc., we are not a lender, we are not a bank, and we are not a credit broker in states where that designation requires licensure.

3. No guarantee of funding

Submission of a form on the Site does not guarantee that any lender will approve you for funding, nor does it guarantee any particular APR, loan amount, repayment term or funding timeline. Lender decisions are made at the lender's sole discretion based on your application and applicable state law.

Articles, FAQs and other content on the Site are for general educational purposes only and do not constitute legal, tax, investment or professional financial advice. Consult a licensed professional for advice specific to your situation.

5. Trademarks

"Payactiv" and "Visa" are trademarks of their respective owners. All other trademarks mentioned on the Site are the property of their respective owners. Use of these marks on the Site is nominative and does not imply endorsement.

The Site contains links to third-party websites, including lender partner sites. We are not responsible for the content, privacy practices or terms of third-party sites.

7. Prohibited conduct

  • Submitting false or misleading information on any form.
  • Using the Site to harass, defraud or impersonate another person.
  • Scraping, data mining or automated access without written permission.
  • Attempting to probe, scan or test the vulnerability of the Site.

8. Disclaimer of warranties

The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement.

9. Limitation of liability

To the maximum extent permitted by law, PayactivUSA will not be liable for indirect, incidental, consequential, special or punitive damages arising from or related to your use of the Site.

10. Indemnification

You agree to indemnify PayactivUSA and its officers, employees and affiliates from any claim arising out of your breach of these Terms or your misuse of the Site.

11. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules.

12. Changes to the Terms

We may update these Terms periodically. Material changes will be announced via a banner on the homepage for at least 30 days before taking effect.

13. Contact

Questions about these Terms? Email legal [at] payactivusa [dot] com.