Please read these terms carefully before using our services or applying for a loan.
These Terms of Service contain important legal information about your rights and obligations. By accessing our website, applying for a loan, or accepting a loan offer from Arrowhead Advance, you agree to be bound by these Terms of Service. Please read them carefully before proceeding.
If you do not agree with these terms, you should not use our website or services. Your specific loan terms will be provided in your individual Loan Agreement, which you must review and accept before receiving funds.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "borrower") and Wakpamni Lake Community Corporation d/b/a Arrowhead Advance ("Arrowhead Advance," "we," "us," or "our").
By accessing our website, creating an account, submitting a loan application, or accepting a loan offer, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with:
By accepting these Terms and entering into a loan agreement with us, you expressly agree that the law of the Oglala Sioux Tribe governs this relationship, NOT state law. This means that state consumer lending laws, including state usury laws and interest rate caps, do not apply to your loan.
You acknowledge and understand that you are entering into a transaction governed by tribal law and that state consumer protection laws, including state interest rate limits, do not apply. You are voluntarily choosing to borrow under tribal law jurisdiction.
To apply for and receive a loan from Arrowhead Advance, you must meet all of the following requirements:
We do not offer loans in all states. State eligibility will be verified during the application process. Residents of certain states may be prohibited from receiving loans due to legal restrictions.
If you are an active duty member of the military or a covered dependent under the Military Lending Act (MLA), specific protections and rate limitations apply to your loan. You must disclose your military status during the application process.
Meeting these eligibility requirements does not guarantee loan approval. Each application is evaluated individually based on creditworthiness, income verification, and other factors. We reserve the right to deny any application at our discretion.
This section contains critical information about the legal framework governing your relationship with Arrowhead Advance.
Arrowhead Advance is operated by Wakpamni Lake Community Corporation (WLCC), which is wholly owned by the Wakpamni Lake Community, a local tribal government within the Oglala Sioux Tribe. The Oglala Sioux Tribe is a federally recognized sovereign nation.
These Terms and any loan agreement between you and Arrowhead Advance are governed exclusively by:
State laws, including state consumer lending laws, usury laws, and interest rate caps, DO NOT apply to loans made by Arrowhead Advance.
As an entity of a federally recognized tribal government, Arrowhead Advance operates under tribal sovereign immunity. This immunity is recognized by the U.S. Constitution and federal law. Tribal sovereign immunity means that the tribe and its entities cannot be sued in state or federal court without the tribe's consent or express Congressional authorization.
Any disputes arising from these Terms or your loan agreement are subject to the exclusive jurisdiction of the Oglala Sioux Tribe. You agree that:
By accepting these Terms and any loan from Arrowhead Advance, you explicitly acknowledge and agree that:
You may request a copy of the Tribal Credit Code of the Wakpamni Lake Community Corporation by emailing coderequest@WLCCCompliance.com. We encourage you to review the tribal laws governing your loan.
If your loan application is approved, you will receive a specific Loan Agreement that contains the individual terms of your loan.
Your Loan Agreement will specify:
You must carefully review your Loan Agreement before accepting it. By electronically signing or otherwise accepting your Loan Agreement, you:
You agree that electronic signatures have the same legal effect as handwritten signatures. Your electronic acceptance of loan documents constitutes a binding agreement.
You acknowledge that tribal lending law does not impose limits on interest rates or fees that may be charged. APRs for our loans typically range from 200% to 400% or higher, significantly exceeding rates available from traditional banks and rates permitted under many state laws.
Loans from Arrowhead Advance have high APRs and should only be used for short-term financial needs. You will pay significantly more in interest and fees than you borrow in principal. Consider alternatives before accepting a high-cost loan.
When you accept a loan, you agree to repay the full amount borrowed plus all interest and fees according to the payment schedule in your Loan Agreement. Payment obligations include:
By accepting your loan, you authorize Arrowhead Advance to automatically withdraw payments from your designated bank account via ACH (Automated Clearing House) on scheduled payment dates. You agree that:
Payments are applied in the following order:
You may pay off your loan early at any time without prepayment penalty. Early payoff may reduce the total interest charges. Contact us for a current payoff amount, which includes principal balance plus interest accrued through the payoff date.
If a scheduled payment is returned due to insufficient funds, a closed account, or any other reason:
To avoid missed payments and fees:
In addition to interest, your loan may be subject to various fees. All fees will be disclosed in your Loan Agreement before you accept the loan.
A one-time origination fee may be charged when your loan is funded. This fee is included in your APR calculation and clearly disclosed in your Loan Agreement.
If a scheduled payment is not received by the due date, a late payment fee may be charged. The specific fee amount is disclosed in your Loan Agreement and typically ranges from $25 to $50.
If a payment is returned by your bank due to insufficient funds or any other reason, an NSF fee will be charged. This fee typically ranges from $35 to $50 and is disclosed in your Loan Agreement.
We do not charge a fee for paying off your loan early. However, you remain responsible for all interest that has accrued through the payoff date.
Other fees may apply as disclosed in your Loan Agreement, including but not limited to:
All fees are clearly disclosed before you accept your loan. You will not be charged any fees that were not disclosed in your Loan Agreement.
You will be in default of your loan if:
If you default on your loan, we may:
We may attempt to collect past-due amounts through:
All collection activities will comply with applicable federal laws, including the Fair Debt Collection Practices Act (FDCPA) where applicable, and tribal law.
If your account is placed with a collection agency or attorney for collection, you may be responsible for collection costs, including attorney's fees and court costs, to the extent permitted by law.
If you are experiencing difficulty making payments, contact us immediately at (888) 459-1315. We may be able to work with you to find a solution. Ignoring payment problems will only make the situation worse and result in additional fees and credit damage.
When you use our services, you agree to the following responsibilities:
You agree not to engage in any of the following prohibited activities:
Engaging in prohibited activities may result in immediate termination of your account, acceleration of any outstanding loan balance, reporting to law enforcement, legal action, and permanent ban from our services. Fraud may also result in criminal prosecution.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website and services for their intended purposes, subject to these Terms. This license does not include any right to:
While we strive to maintain continuous service, we do not guarantee that our website will be available at all times. We may experience downtime due to:
We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice.
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk and subject to their terms and policies.
All content, features, and functionality on our website are owned by Wakpamni Lake Community Corporation, Arrowhead Advance, or our licensors and are protected by copyright, trademark, and other intellectual property laws.
"Arrowhead Advance" and our logo are trademarks of Wakpamni Lake Community Corporation. You may not use these trademarks without our prior written permission.
All text, graphics, logos, images, and software on our website are protected by copyright. You may not reproduce, distribute, modify, or create derivative works without express permission.
You agree not to:
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
Information provided on our website is for general informational purposes only and does not constitute financial, legal, or professional advice. You should consult with appropriate professionals before making financial decisions.
We are not responsible for the accuracy or reliability of any third-party content, links, or services accessible through our website.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ARROWHEAD ADVANCE, WAKPAMNI LAKE COMMUNITY CORPORATION, AND THEIR OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
You agree to indemnify, defend, and hold harmless Arrowhead Advance, Wakpamni Lake Community Corporation, the Oglala Sioux Tribe, and their respective officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:
This indemnification obligation survives the termination of these Terms and your relationship with Arrowhead Advance.
Any dispute, claim, or controversy arising out of or relating to these Terms or your loan agreement shall be subject to the exclusive jurisdiction of the Oglala Sioux Tribe and resolved in accordance with tribal law.
You and Arrowhead Advance agree that any dispute shall be resolved through binding arbitration conducted under the rules established by the Oglala Sioux Tribe, rather than through court litigation.
By agreeing to arbitration, you waive your right to have disputes resolved in court and your right to a jury trial.
YOU AGREE THAT DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A CLASS ACTION, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE PROCEEDING. Neither you nor we may participate in a class action or class-wide arbitration for any claims covered by these Terms.
Notwithstanding the above, either party may bring an action in tribal court to:
You may opt out of this arbitration agreement by sending written notice to us within 30 days of accepting these Terms. Your opt-out notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement. Opting out of arbitration does not affect any other terms of this agreement.
Before initiating arbitration or other formal proceedings, we encourage you to contact our customer service team to attempt to resolve the dispute informally. If your issue remains unresolved, you may contact the Wakpamni Lake Community Consumer Complaint Tribal Hotline at 1-800-677-3860 (Monday - Friday, 9 AM - 5 PM MST).
You may terminate your relationship with Arrowhead Advance by:
Termination does not relieve you of any payment obligations under an existing loan agreement.
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, with or without notice, including but not limited to:
Upon termination:
We reserve the right to modify these Terms at any time. When we make changes, we will:
Your continued use of our services after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree with the modified Terms, you must stop using our services and close your account.
Changes to these Terms do not affect the terms of any existing Loan Agreement you have with us. Loan Agreements remain governed by the terms in effect when you accepted the loan.
These Terms, together with your individual Loan Agreement (if applicable), our Privacy Policy, and any other agreements or disclosures provided, constitute the entire agreement between you and Arrowhead Advance regarding your use of our services.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including to:
These Terms are for the benefit of you and Arrowhead Advance only. No third party has any right to enforce any provision of these Terms.
We shall not be liable for any delay or failure to perform our obligations due to causes beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, governmental actions, or technical failures.
The section headings in these Terms are for convenience only and have no legal or contractual effect.
By using our services, you consent to receive electronic communications from us, including emails, texts, account notifications, and electronically posted notices. You agree that electronic communications satisfy any legal requirement that communications be in writing.
If you have questions about these Terms of Service, please contact us:
Our team is here to help clarify any questions you have
Arrowhead Advance
Attn: Legal Department
Wakpamni Lake Community Corporation
[Physical Address]
[City, State ZIP]
For information about tribal lending regulations:
Email: coderequest@WLCCCompliance.com
For complaints not resolved through customer service:
Wakpamni Lake Community Consumer Complaint Tribal Hotline
Phone: 1-800-677-3860
Hours: Monday - Friday, 9 AM - 5 PM MST