Marketing Practices

Effective Date: January 5, 2026

1) Our Marketing Philosophy

At Instant Cash Advance - Abax, we believe in transparent, honest, and responsible marketing. Our goal is to:

• Provide clear and accurate information about our services
• Help consumers make informed financial decisions
• Avoid misleading or deceptive advertising
• Comply with all applicable advertising laws and regulations

2) Truth in Advertising

We adhere to the following principles in all our marketing materials:

• Accuracy: All claims about our services are truthful and verifiable
• Clarity: We avoid ambiguous language that could be misunderstood
• Transparency: We clearly disclose important limitations and conditions
• Consistency: Our marketing aligns with our actual services and capabilities

3) Claims About Loan Terms

In our marketing communications, we:

• Clearly state that we are not a lender
• Specify that loan terms are determined by third-party lenders
• Explain that loan approval is not guaranteed
• Disclose that rates and terms vary based on individual qualifications
• Note that loan availability varies by state

4) Rate and Fee Representations

When discussing rates and fees in marketing materials:

• We provide representative APR ranges when discussing potential costs
• We explain that actual rates depend on lender criteria
• We disclose that fees may apply (as determined by lenders)
• We encourage consumers to review all terms before accepting offers

5) Speed and Funding Time Claims

Regarding funding speed claims:

• We explain that funding times vary by lender and bank
• We note that some applications may require additional verification
• We disclose that weekends and holidays may affect funding timing
• We avoid absolute guarantees about specific funding times

6) Testimonials and Reviews

Any testimonials or reviews featured in our marketing:

• Are from real users (with permission)
• Represent individual experiences that may not be typical
• Are not paid endorsements (unless disclosed)
• May be edited for clarity and length while preserving meaning

7) Digital Marketing Practices

Our digital marketing follows these standards:

• Website Disclosures: Important information is prominently displayed
• Email Marketing: Clear unsubscribe options and accurate sender information
• Social Media: Honest representations and responsive customer service
• Online Ads: Clear labeling as advertisements

8) Compliance with Regulations

We comply with relevant advertising regulations including:

• Federal Trade Commission (FTC) guidelines
• Consumer Financial Protection Bureau (CFPB) standards
• State-specific advertising laws
• Truth in Lending Act (TILA) requirements
• Digital advertising standards and best practices

9) Marketing to Vulnerable Consumers

We take special care to avoid:

• Targeting individuals in obvious financial distress
• Using high-pressure tactics or false urgency
• Making promises we cannot keep
• Exploiting lack of financial knowledge

10) Opt-Out and Communication Preferences

We respect your communication preferences:

• Clear unsubscribe options in all marketing emails
• Opt-out mechanisms for SMS/text messages
• Ability to adjust notification preferences in the app
• Responsive handling of "Do Not Contact" requests

11) Third-Party Marketing Partners

When working with marketing partners or affiliates:

• We require them to follow our marketing standards
• We monitor their compliance with applicable laws
• We take responsibility for claims made on our behalf
• We maintain control over our brand representation

12) Updates to Marketing Materials

We regularly review and update our marketing materials to ensure:

• Accuracy of information
• Compliance with changing regulations
• Alignment with current services and capabilities
• Clarity and usefulness for consumers

13) Reporting Concerns

If you have concerns about our marketing practices:

• Contact us at: support@abaxfinance.com
• Subject line: "Marketing Practices Concern"
• We investigate all concerns promptly
• We take appropriate corrective action when needed