1) Cashback abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. 2) If your account becomes severely delinquent, it may be turned over to a third party collection agency which may adversely affect your credit score. 3) Cashback does not offer automatic renewals. The single payment loan must be paid in full before a new loan can be instituted. Returned checks will be subject to a one time $15 fee. 4) Payday Advances made pursuant to a Department of Corporations California Deferred Deposit Transaction Law License. 5) Car Title Loans made pursuant to a Department of Corporations California Finance Lenders Law License.