Terms
PS Finance – Terms & Conditions
Last updated: May 2, 2025
Welcome to PS Finance (“PS Finance,” “we,” “us,” or “our“). These Terms & Conditions (“Terms“) govern your access to and use of the website located at psfinance.com and any related sub‑domains (the “Site“), including the online pre‑settlement funding application and attorney partnership portal (collectively, the “Services“).
By accessing or using the Site or Services you agree to be bound by these Terms. If you do not agree, you must immediately discontinue use.
1. Nature of Our Services
PS Finance provides non‑recourse pre‑settlement funding and related resources to qualifying plaintiffs and their legal representatives. Funding advances are not loans: repayment is required only from the proceeds of a successful legal recovery. If you do not prevail in your case, you owe nothing. Nothing on this Site constitutes legal, tax, or investment advice.
2. Eligibility
You may use the Services only if you (i) are at least 18 years old, (ii) are represented by a licensed attorney with an active contingency‑fee case, (iii) reside in a U.S. state where PS Finance is authorized to transact business, and (iv) agree that your attorney will cooperate in the underwriting process. We reserve the right to decline applications in our sole discretion.
3. Application & Underwriting
You represent that all information submitted through our online forms or to our representatives is accurate and complete. You authorize PS Finance to communicate directly with your attorney, acquire case documents, and verify information for underwriting purposes. Any funding offer will be memorialized in a written Funding Agreement; only the Funding Agreement governs your specific transaction.
4. No Obligation Until Agreement Executed
Submitting an application or receiving an approval message does not create an obligation on either party. You are not required to accept any funding offer, and PS Finance is not required to fund until both you and PS Finance (and your attorney, where required) have executed the Funding Agreement.
5. Use of Funds
Funds advanced may be used for any lawful purpose, including living expenses, medical care, or case costs. You agree not to use funds for illegal activity.
6. User Accounts
Certain features (e.g., attorney portal) require registration. You are responsible for safeguarding your login credentials and any activity under your account. Notify us immediately of unauthorized use.
7. Intellectual Property
The Site and its original content, features, trademarks, and functionality are owned by PS Finance or its licensors and are protected by U.S. and international intellectual‑property laws. You may not copy, modify, distribute, or create derivative works without prior written consent.
8. Acceptable Use
You agree not to:
Violate any applicable law or regulation.
Impersonate any person or entity or misrepresent your affiliation.
Introduce viruses or malicious code.
Scrape, crawl, or otherwise collect data from the Site without permission.
Interfere with the security or integrity of the Services.
9. Third‑Party Links
The Site may contain links to third‑party websites or integrations (e.g., attorney‑referral tools, payment processors, RingCentral SMS). PS Finance is not responsible for the content or practices of such third parties. Your interactions are governed by the terms and privacy policies of those providers.
10. SMS & Auto‑Dialed Communications
By providing a telephone number, you consent to receive calls and texts (including auto‑dialed or prerecorded messages) from PS Finance or its agents regarding your inquiry, application, or account. Message and data rates may apply. You may opt out at any time by replying STOP.
11. Disclaimer of Warranties
The Site and Services are provided “as is” and “as available.” PS Finance makes no representations or warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non‑infringement.
12. Limitation of Liability
To the fullest extent permitted by law, PS Finance and its officers, directors, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, whether incurred directly or indirectly, arising from your use of the Site or Services.
13. Indemnification
You agree to defend, indemnify, and hold harmless PS Finance from and against all claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from your violation of these Terms or misuse of the Services.
14. Modifications
We may update these Terms at any time. Material changes will be posted on this page with a new “Last updated” date. Your continued use after changes constitutes acceptance.
15. Governing Law & Venue
These Terms are governed by the laws of the State of New York, without regard to conflict‑of‑law rules. Any disputes shall be resolved exclusively in the state or federal courts located in Staten Island, New York, and you consent to personal jurisdiction therein.
16. Severability
If any provision of these Terms is held unlawful or unenforceable, the remaining provisions shall remain in effect.
17. Entire Agreement
These Terms constitute the entire agreement between you and PS Finance regarding the Site and Services and supersede all prior understandings.
18. Contact Us
Questions? Please contact PS Finance at:
PS Finance
183 New Dorp Lane, Staten Island, NY 10306
Phone: (866) FUNDS‑NOW
Email: info@psfinance.com