Michael Freno
fc2e414d71
- 23 sections covering all required ToS areas - State-specific governing law clauses for all 5 launch states - TILA-required disclosures (APR, finance charge, repayment schedule) - State-specific late fee and returned payment fee compliance tables - State-specific arbitration disclosures (UT, GA, VA, CO, SD) - Opt-out right for arbitration/class action waiver - State-specific cooling-off/rescission rights per state - State disclosure compliance verification section - Filled all placeholders (company name, address, contact info) - USDC payment support references