FINANCIAL ALLIANCE SERVICES

Holiday Refund Advance Loan Program

Program Overview

Financial Alliance Services offers Holiday Refund Advance Loans to qualifying clients. Final loan approval amounts are determined by Financial Alliance Services based on client history, prior repayment performance, and internal underwriting guidelines.

Loan Terms

• Clients may request a loan amount, but the final approved amount is determined by Financial Alliance Services.

• Interest charge: $17 per $100 borrowed.

• Application fee: $39.95 (non-refundable).

• Repayment will be made using the client’s tax refund.

• If the refund is delayed, reduced, or insufficient, repayment will be made by ACH withdrawal from the client’s bank account.

• Full repayment is required no later than March 31, 2026, regardless of IRS or state processing delays.

• Tax preparation fees are separate and not included in this loan.

Borrower Acknowledgments

Borrowers must understand and agree to the following before applying:

• All information provided must be accurate and truthful.

• Repayment is required even if refunds are delayed or offset.

• ACH repayment authorization is required if refund does not fully satisfy the loan balance.

• The March 31, 2026 repayment deadline is firm and non-negotiable.

• Tax preparation fees are completely separate from this loan product.

• Personal information may be used for identity verification, underwriting, and compliance under California privacy law.

Legal Disclosures

By applying for a Holiday Refund Advance Loan, borrowers acknowledge:

1. The loan is a legally binding financial obligation.

2. Financial Alliance Services may verify identity, tax filing status, and refund status as part of the underwriting and repayment process.

3. Refund interception may be used to satisfy repayment where applicable.

4. Final loan approval amounts are determined by Financial Alliance Services.

5. Failure to repay the loan by March 31, 2026 constitutes default.

6. In the event of default, Financial Alliance Services may pursue all legal remedies permitted by law, including:

   • Court judgment

   • Wage garnishment (where allowed)

   • Bank levy (where allowed)

   • Recovery of attorney’s fees and court costs

7. Borrower consents to jurisdiction and venue in the State of California for any disputes or legal proceedings.

8. Borrowers acknowledge that they have reviewed all terms and disclosures prior to submitting an application.

Loan amounts from $300 to $1000