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Marketing Practices Disclosure

Last Updated: March 13, 2025

NEXTWAVE LOAN PROCESSING LLC ("we," "us," or "our") operates the NextWave: Cash Advance Now website and mobile application. We are committed to transparent and responsible marketing practices. This Marketing Practices Disclosure describes how we communicate with consumers, the types of marketing we conduct, how you can control your preferences, and our commitment to fair and compliant advertising.

1. Overview of Our Marketing

We market our loan processing services through various channels, including:

  • Email marketing
  • SMS/text message marketing
  • Telephone calls
  • Direct mail
  • Online advertising (including display ads, search ads, and social media)
  • In-app and website messaging

Our marketing is designed to inform consumers about our services, help them explore loan options, and provide relevant information. We do not engage in deceptive, misleading, or unfair marketing practices.

2. Consent and Opt-In

2.1 When We Obtain Consent

We obtain your consent before sending marketing communications in the following circumstances:

  • Email: We will only send you marketing emails if you have opted in (e.g., by checking a box, subscribing to our newsletter, or otherwise affirmatively consenting). We may send transactional emails (e.g., application status, account updates) without separate consent as they are necessary for our services.
  • SMS/Text: We obtain your prior express written consent before sending marketing text messages. Consent may be obtained through a clear opt-in process (e.g., texting a keyword, checking a box). Message and data rates may apply.
  • Telephone: By providing your phone number and submitting a loan request, you consent to receive calls from us and our partner lenders regarding your application. For telemarketing calls, we comply with the Telephone Consumer Protection Act (TCPA) and obtain consent where required.

2.2 Pre-Existing Business Relationship

If you have submitted a loan request or otherwise engaged with our services, we may contact you about related products and services for a reasonable period. You may opt out of these communications at any time.

3. Opt-Out and Unsubscribe

3.1 How to Opt Out

You may opt out of marketing communications at any time by:

  • Email: Click the "Unsubscribe" link in any marketing email, or visit our Unsubscribe page.
  • SMS: Reply STOP to any marketing text message, or contact us at [email protected].
  • Phone: Tell the caller you wish to be placed on our do-not-call list, or contact us at (863) 734-6454.
  • Mail: Write to us at NEXTWAVE LOAN PROCESSING LLC, 23007 BEECHNUT CT, LUTZ, FL 33549, and include your name, email, and phone number.

3.2 Processing Time

We will process your opt-out request as quickly as practicable, typically within 10 business days. You may continue to receive communications that were already in production at the time of your request. After opting out, you may still receive transactional communications necessary for your account or our services.

4. Do Not Call Policy

We maintain an internal Do Not Call (DNC) list. If you request to be placed on our DNC list, we will honor that request and will not contact you for marketing purposes by telephone. We will add your number to our DNC list within 30 days. You may also register with the National Do Not Call Registry at www.donotcall.gov. We scrub our calling lists against the National DNC Registry and our internal DNC list.

5. Sharing Information for Marketing

When you submit a loan request, we share your information with third-party lenders in our network so they can evaluate your application and potentially make you an offer. Those lenders may contact you directly. We do not sell your personal information to third parties for their independent marketing purposes. For more information, see our Privacy Policy and Do Not Sell My Info page.

6. Advertising and Third-Party Platforms

6.1 Online Advertising

We may use third-party advertising platforms (e.g., Google, Meta, other ad networks) to display ads to potential customers. These platforms may use cookies, pixels, and similar technologies to show relevant ads based on your browsing behavior. You can opt out of interest-based advertising through:

  • Your browser settings (e.g., blocking third-party cookies)
  • Industry opt-out tools such as the Digital Advertising Alliance's opt-out page at optout.aboutads.info
  • Our Do Not Sell My Info page (for California residents)

6.2 Affiliate and Partner Marketing

We may work with affiliates or marketing partners who promote our services. These partners are required to comply with applicable laws and our marketing standards. We do not endorse or control the content of third-party advertisements that may appear on other websites.

7. Content and Messaging Standards

Our marketing materials are designed to be clear, accurate, and not misleading. We:

  • Clearly identify ourselves as a loan processing company, not a lender.
  • Disclose that we connect consumers with third-party lenders and do not make credit decisions.
  • Avoid making guarantees about loan approval, amounts, or terms.
  • Comply with applicable advertising laws, including those governing financial services.

8. Frequency of Communications

We strive to avoid excessive or intrusive communications. Our typical practices include:

  • Email: No more than a few marketing emails per week, unless you have engaged with a specific campaign.
  • SMS: Limited to a reasonable number of messages per month; you may opt out at any time.
  • Phone: We respect do-not-call requests and calling hour restrictions (generally 8 a.m. to 9 p.m. local time, where applicable).

9. Children and Minors

We do not knowingly market to individuals under 18 years of age. Our services are intended for adults. If you believe we have inadvertently collected or marketed to a minor, please contact us immediately at [email protected].

10. Changes to This Disclosure

We may update this Marketing Practices Disclosure from time to time. We will post the updated version on this page and update the "Last Updated" date. Material changes may be communicated via email or a prominent notice on our website.

11. Contact Us

If you have questions about our marketing practices or wish to update your preferences, please contact us:

NEXTWAVE LOAN PROCESSING LLC
23007 BEECHNUT CT
LUTZ, FL 33549
Email: [email protected]
Phone: (863) 734-6454