- 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
Michael Freno
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