{
"menu_home": "Home",
"menu_about_us": "About Us",
"menu_who_we_are": "Who We Are",
"menu_loan_faq": "Loan FAQ",
"menu_lending_best_practices": "Lending Best Practices",
"menu_lending_licenses": "Lending Licenses",
"menu_policies": "Policies",
"menu_rates": "Rates",
"menu_terms_of_use": "Terms of Use",
"menu_privacy_policy": "Privacy Policy",
"menu_contact_us": "Contact Us",
"menu_business_hours": "Mon – Fri 7AM – 8PM CST",
"footer_customer_support": "Customer Support",
"footer_toll_free": "Toll Free:",
"footer_tribal_dispute": "Tribal Dispute:",
"footer_fax": "Fax:",
"footer_copyright": "Copyright",
"footer_all_rights_reserved": "All Rights Reserved.",
"footer_opt_out": "Opt Out",
"faq": "FAQ",
"home_loan_info": "First time customers may qualify for up to $1,500. Returning customers in good standing may qualify for higher loan limits and lower finance fees.",
"home_get_up_to": "GET UP TO",
"home_flexible_loans": "Flexible Online Installment Loans",
"home_select_loan_amount": "Select Loan Amount",
"home_form_first_name": "First Name",
"home_form_last_name": "Last Name",
"home_form_email_address": "Email Address",
"home_form_state": "State",
"home_how_it_works": "How It Works",
"home_process_description": "Our application process is quick and simple! We only ask for the necessary information to determine your eligibility. One of our agents will call you to verify your information (you can also call us), once you are approved funds will be deposited into your account the next business day.",
"home_apply_online": "Apply Online",
"home_verify_info": "Verify Information",
"home_get_approved": "Get Approved",
"home_why_nsl": "Why Northern Star Lending?",
"home_understand_life": "At Northern Star Lending we understand life can present unexpected and pricey expenses.",
"home_emergencies_help": "Installment loans from Northern Star Lending can help with expensive emergencies such as home and auto repairs and medical emergencies.",
"home_hospital_bills": "Hospital Bills",
"home_lost_phone": "Lost or Broken Phone",
"home_vet_bills": "Vet Bills",
"home_owed_taxes": "Owed Taxes",
"home_moving_expenses": "Moving Expenses",
"home_car_repair": "Car Repair",
"home_utility_bills": "Utility Bills",
"home_rent_home_repair": "Rent and Home Repair",
"home_flexible_payments": "Unlike payday loans, installment loans from Northern Star Lending offer flexible payment schedules that allows customers to pay back their loan in a series of fixed payments",
"home_new_customer1": "Are you a",
"home_new_customer2": "New Customer?",
"home_returning_customer1": "Are you a",
"home_returning_customer2": "Returning Customer?",
"home_banner_continue": "Continue",
"about_who_we_are": "Who We Are",
"about_company_intro": "Northern Star Lending LLC is a tribal lending entity wholly owned by the Menominee Indian Tribe of Wisconsin, a Federally recognized Sovereign American Indian tribe. We offer loans to qualified applicants, regardless of bad credit, to help them when they need it most.",
"about_abide_laws_intro": "We abide by applicable Tribal and Federal law, including:",
"about_tila": "Truth in Lending Act",
"about_efta": "Electronic Funds Transfer Act",
"about_fcra": "Fair Credit Reporting Act",
"about_fdcpa": "Fair Debt Collection Practice Act",
"about_glba": "Privacy Provisions of the Gramm-Leach-Billey Act",
"about_ecoa": "Equal Credit Opportunity Act",
"about_menominee_regulation": "Menominee Tribal Consumer Financial Services Regulation",
"about_why_installment_loans": "Why Installment Loans?",
"about_installment_benefits": "Installment loans are a great alternative to payday loans because they allow you to pay a portion due each month instead of paying the entire balance on your next payday.",
"about_compliance": "Northern Star Lending complies with federal laws and regulations as well as the laws of the Menominee Indian Tribe of Wisconsin. This gives borrowers who may have a hard time finding loans through traditional channels the opportunity to qualify for an unsecured loan with us.",
"about_requirements": "Northern Star Lending has certain requirements. You must be at least 18 years of age, a US Citizen, and have an open checking account that currently receives income by direct deposits.",
"about_loan_amounts": "When you apply for an installment loan from Northern Star Lending, you may qualify up to $1,500.00 as a first-time borrower. Returning customers with a good payment history may qualify for larger amounts of up to $5,000 with lower rates.",
"loan_faq_loan_limits": "First time borrowers may qualify up to $1,500.00 and returning customers may qualify up to $5,000",
"loan_faq_process_question": "How does the process work?",
"loan_faq_process_answer": "Once you submit the online application, we will verify certain information and then notify you through email if you are approved and the amount for which you qualify. If approved, we request that you carefully read and then electronically sign your loan agreement to finalize the loan offer.",
"loan_faq_qualify_question": "How do I qualify for a loan?",
"loan_faq_age": "Be at least 18 years old",
"loan_faq_us_citizen": "Be a US Citizen with a valid Social Security Number",
"loan_faq_not_active_military": "Not be an active duty member of the armed forces or their dependent. Northern Star Lending does not offer loan products suitable for active duty members of the armed forces or their dependents.",
"loan_faq_established_credit": "Meet established credit worthiness criteria",
"loan_faq_income": "Receive consistent income from a reliable source",
"loan_faq_account": "Have a checking account set up to receive direct deposits",
"loan_faq_bankruptcy": "Have not, nor plan to file for bankruptcy",
"loan_faq_funding_time_question": "How soon do I get my money?",
"loan_faq_funding_time_answer": "Loan Applications processed and approved by 2:00 PM CST of any business day will be funded the same day. Loan Applications approved and processed after 2:00 PM CST will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” or your choice of payment method may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed in your loan agreement.",
"loan_faq_account_type_question": "What type of bank account do I need?",
"loan_faq_account_type_answer": "Applicants are required to have an open checking account that is in good standing and is set up to receive direct deposits.",
"loan_faq_due_date_question": "When will my loan payments be due?",
"loan_faq_due_date_answer": "Your loan will be paid off through a series of weekly, bi-weekly, or semi-monthly payments align with your payroll deposit dates over the period of one year.",
"loan_faq_payment_method_question": "How do I make payments?",
"loan_faq_payment_method_answer": "The most common method of payment is an electronic payment scheduled on the payment due dates set forth on the Payment Schedule in your loan agreement. This is the most convenient method as you will not have to worry about ensuring timely delivery of loan payments to us. Alternative payment arrangements may be made as further detailed in your loan agreement.",
"loan_faq_cannot_pay_question": "What if I can't make a payment?",
"loan_faq_cannot_pay_answer": "If you know you will not have enough funds available on the date a payment is due, contact us no later than three (3) business days prior to the payment date so the appropriate arrangements can be made for your account.",
"loan_faq_change_mind_question": "What if I change my mind?",
"loan_faq_change_mind_answer": "If you are no longer in need the loan, you have 24 hours after funds are deposited into your account to reverse the loan. Please contact us as soon as possible so we can guide you through this process.",
"loan_faq_vs_payday_question": "Installment loans vs payday loans",
"loan_faq_vs_payday_answer": "The application process for a payday loan and installment loan are similar. Where they differ is how the loan is paid back. Payday loans are expected to be paid in full on your next pay date, and installment loans allow customers to pay back their loan over a period of time with fixed payments.",
"loan_faq_not_found": "Didn’t find the answer you were looking for?",
"loan_faq_contact_info": "The Northern Star Lending LLC customer service team is here to help! Whether you are a current or future customer, don’t hesitate to reach out with any questions or concerns you may have.",
"lending_best_practices_courtesy_respect": "Courtesy and Respect",
"lending_best_practices_courtesy_desc": "At Northern Star Lending, the customer is our priority! Our team is dedicated to treating each customer with the utmost respect and courtesy. Whether you are a past, current, or future customer, never hesitate to reach out to us with questions or concerns.",
"lending_best_practices_full_disclosure": "Full Disclosure of Fees",
"lending_best_practices_disclosure_desc": "Northern Star Lending is committed to ensuring our customers clearly understand our installment loan rates and terms.",
"lending_best_practices_right_cancel": "Right to Cancel",
"lending_best_practices_cancel_desc": "It's your right to cancel your loan, no strings attached. Our guidelines simply require that you cancel within 24 hours after the cash Disbursement Date and we will set up a draft to reverse the loan proceeds.",
"lending_license_see_approval": "See what you're approved for today",
"rates_intro": "Installment loans from Northern Star Lending offer you a way to get the funds you need to cover life's little emergencies without the harsh repayment terms of a traditional payday loan. Unlike traditional payday loans that expect you to pay everything back plus finance charges and interest in one lump sum payment, our installment loans let you pay back what you owe in fixed payments over a convenient time span.",
"rates_loan_agreement": "Loan Agreement",
"rates_loan_agreement_details": "Prior to loan closing and funding, you will be provided with a loan agreement specific to your loan, which will include a payment schedule, Annual Percentage Rate (APR) and other terms.",
"rates_loan_amounts": "Loan Amounts",
"rates_min_loan": "Minimum Loan Amount: $200",
"rates_max_loan_first": "Maximum Loan Amount for First - time Borrowers: $1,500",
"rates_max_loan_returning": "Maximum Loan Amount for Returning Customers: $5,000",
"rates_interest_rate": "Interest Rate on Loans",
"rates_interest_details": "Your loan details including the terms and conditions of credit, finance charges, and Annual Percentage Rate (APR) will be fully disclosed to you in your loan agreement. Contact us today to see if you qualify for one of our loans. We can assist you and present a range of payment options for which you may qualify.",
"rates_compliance": "Our Company adheres to all tribal and federal laws and regulations that apply to short term and online personal lending. Our company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant's income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.",
"rates_borrowing_warning": "Please note: This is an expensive form of borrowing. These loans carry a high cost and are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution.",
"rates_fee_summary": "Fee Summary",
"rates_fee_details": "The finance charge applied to your loan will be clearly disclosed on your loan agreement. We provide accurate and comprehensive fee disclosures on your loan agreement in accordance with the Federal Truth in Lending Act and other regulations. Late fees, NSF (non-sufficient funds) fees, and returned items fees may also be applied and are detailed in your loan agreement.",
"rates_due_date_options": "Due Date Options",
"rates_due_date_policy": "Your first payment is due on your following pay date. If that day happens to fall on a weekend or holiday, the payment will be due on either the next business day prior to or the business date immediately following. The details will be specified in your loan agreement.",
"rates_change_schedule": "If you need to change your payment schedule for any reason, you must notify Northern Star Lending at least three (3) business days prior to the next payment date you are scheduled to make.",
"rates_reminders": "You will be sent reminders via email outlining your due date options prior to the due date.",
"rates_funding_timeframes": "Funding Timeframes",
"rates_funding_policy": "Loan Applications processed and approved by 2:00 PM CST of any business day will be funded the same day. Loan Applications approved and processed after 2:00 PM CST will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed herein.",
"rates_wire_fees": "Please note, additional incoming wire service fees may be applied by your bank. It is strongly recommended to verify if your bank will apply those fees, that your account is eligible to receive wire transfers, and when your bank will make those funds available to you.",
"rates_late_fees": "Late / NSF Fees",
"rates_late_fees_details": "If a scheduled payment is not made on the date that it is due, you may be subject to additional fees. If the payment is being withdrawn directly from your bank account and there is not sufficient money in your account to cover the amount due or the payment is dishonored by your financial institution for any reason, an NSF (non-sufficient funds) fee of $25 may be assessed. If any payment is late by five (5) days after the due date, you may be responsible for an additional $25 late fee.",
"rates_prepayment": "Prepayment",
"rates_prepayment_policy": "There are no penalties for paying your loan off early. In fact, Northern Star Lending encourages customers to pay off their loan as quickly as possible to reduce the total finance charges.",
"rates_account_info": "Collection and Use of Bank Account Information",
"rates_account_info_details": "If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be a part of the application process for underwriting and verification purposes only. We always obtain prior separate customer authorization when trying to obtain additional customer bank account information as a potential payment option.",
"rates_more_details": "For more details about this service and other terms of your loan, please refer to our",
"rates_state_restriction": "We do not lend in every state. The states in which we operate may change. Please check back periodically to see if we are doing business in your state. If you have any questions about Northern Star Lending please",
"rates_learn_more": "or check out our",
"rates_contact_info": "for further information. Our hours of operation are 7AM CST – 8PM CST, Monday – Friday. However, you can always email us at",
"rates_courtesy": "Courtesy and Respect",
"rates_courtesy_text": "At Northern Star Lending, the customer is our priority! Our team is dedicated to treating each customer with the utmost respect and courtesy. Whether you are a past, current, or future customer, never hesitate to reach out to us with questions or concerns.",
"rates_full_disclosure": "Full Disclosure on Fees",
"rates_full_disclosure_text": "Northern Star Lending is committed to ensuring our customers clearly understand our installment loan rates and terms.",
"rates_cancel_right": "Right to Cancel",
"rates_cancel_right_text": "It is your right to cancel your loan. No strings attached. Cancel your loan within 24 hours after the Disbursement Date and we will set up a draft to reverse the loan proceeds.",
"rates_see_approval": "See what you're approved for today",
"terms_of_use_intro_provision": "These terms of use (“Terms of Use”) are provided on behalf of",
"terms_of_use_intro_affiliates": "and its affiliates (“we,” “us,” “our”). By using",
"terms_of_use_intro_acknowledgement": "including any pages thereof (the “Site”), you acknowledge that you have read, understand and agree to be bound by these Terms of Use, regardless of whether you are a registered user of our products or services (each a “Service” collectively, referred to as “Services”). If you do not wish to be bound by these Terms of Use, you should not access or use the Site or Services. If there is any inconsistency between these Terms of Use and another agreement you enter into that is applicable to Service offered on the Site then the other agreement will take precedence as it applies to the Service.",
"terms_of_use_changes_heading": "Changes to These Terms of Use",
"terms_of_use_changes_body": "We reserve the right, in our sole discretion, to modify these Terms of Use at any time. Changes to these Terms of Use will become effective immediately upon the posting thereof. Please review these Terms of Use often to keep yourself apprised of any changes. Your continued use of the Site following the posting of changes will constitute your acceptance of the revised Terms of Use.",
"terms_of_use_eligibility_heading": "Eligibility",
"terms_of_use_eligibility_body": "This Site is intended solely for users who are 18 years of age or older, and any registration or use of the Site by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Site, you represent you are 18 or older and that you agree to and to abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration and/or prohibit you from using or accessing our Services or the Site.",
"terms_of_use_registration_heading": "Registrations and Applications",
"terms_of_use_registration_body": "You may be presented with the opportunity to register for an account and apply for a loan through the Site. When you register for an account or apply for a loan, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to reject or cancel your account registration, reject any application you have submitted, terminate any agreement we have with you, and restrict your future use of the Site and our Services. We reserve the right to decline any application for a loan.",
"terms_of_use_account_heading": "Your Account",
"terms_of_use_account_body": "To access our Services, you will be required to register and create an account on the Site. You may not disclose your username or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately. You may be required to login in order to use certain parts of the Site.",
"terms_of_use_content_heading": "Your Content and Information Sharing",
"terms_of_use_content_license": "By providing information or content on the Site, you expressly agree to all of the following: You grant us a non-exclusive, transferable, sub-licensable, royalty-free, world-wide license to use any information or content that you provide in connection with your use of the Site and our Services, subject to the privacy provisions described in our",
"terms_of_use_content_rights": "We have the right to review, delete, edit, modify, reformat, excerpt, or translate any of your information or content. You are solely responsible for the content and information you make available through or in connection with our Services.",
"terms_of_use_content_responsibility": "All the information and content posted on the Site or privately transmitted through the Site or via other means in connection with our Services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omission in any information or content posted by a user.",
"terms_of_use_privacy": "We will not share or sell any of your information with any third party, except as specifically described in our",
"terms_of_use_privacy_reference": "which is incorporated by reference into these Terms of Use.",
"terms_of_use_restrictions_heading": "Restrictions on Use",
"terms_of_use_restrictions_intro": "You agree to abide by all applicable laws and regulations in your use of the Site and our Services. In addition, you agree that you will not do any of the following:",
"terms_of_use_restriction_multiple_accounts": "Register for more than one account, or register for an account on behalf of an individual other than yourself or on behalf of any group or entity;",
"terms_of_use_prohibited_content": "Post or otherwise make available content, or take any action on the Site, that may constitute libel or slander or that infringes or violates someone else’s rights or is protected by any copyright or trademark, or otherwise violates the law.",
"terms_of_use_objectionable_content": "Post or otherwise make available content that in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or otherwise objectionable, or which restricts or inhibits any other person from using or enjoying the Site, or which may expose us or our users to any harm or liability of any type.",
"terms_of_use_unwanted_advertising": "Post or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, or any other form of solicitation.",
"terms_of_use_unwanted_messages": "Use the information or content on our Site to send unwanted messages to any other user.",
"terms_of_use_impersonation_or_misrepresentation": "Impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity.",
"terms_of_use_post_third_party_info": "Post or otherwise make publicly available on the Site any personal or financial information of any third party.",
"terms_of_use_underage_solicitation": "Solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes.",
"terms_of_use_site_misuse": "Use the Site or our Services in any manner that could damage, disable, overburden or impair the Site.",
"terms_of_use_harvesting_data": "Harvest or collect email addresses or other contact information of our users from the Site by electronic or other means, including via the use of automated scripts.",
"terms_of_use_virus_or_malware_upload": "Post or otherwise make available any material that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.",
"terms_of_use_ip_rights_title": "Intellectual Property Proprietary Rights; Copyrights; Trademarks",
"terms_of_use_content_ownership": "All software, design, text, information, data, databases, images, photographs, illustrations, audio clips, video clips, artwork, graphic material, or other copyrightable elements (collectively, “Content”), other than User Content (as defined above), are the property of and/or its subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners and are protected, without limitation, pursuant to copyright laws. No Content (other than your own User Content) may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast or circulated to any third party without our express prior written consent.",
"terms_of_use_content_protection_clause": "and/or its subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners and are protected, without limitation, pursuant to copyright laws. No Content (other than your own User Content) may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast or circulated to any third party without our express prior written consent.",
"terms_of_use_trademark_rights": "and all related logos (collectively, “the Trademarks”) constitute our trademarks or service marks. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by us or others. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site unless in accordance with written authorization by us. The use of any of the Trademarks as part of a link to or from any site is prohibited unless we provide advance written approval. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress. You may not copy, imitate, or use them without our prior written consent. Any questions concerning any Trademarks, or whether any mark or logo is a Trademark, should be referred to us.",
"terms_of_use_ownership_rights": "All right, title and interest in and to the Website, any content thereon, our products and services, the technology related to our products and services, and any and all technology and any content created or derived from any of the foregoing is our or our licensors’ exclusive property.",
"terms_of_use_copyright_complaints_title": "Copyright Complaints",
"terms_of_use_copyright_infringement_notice": "If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via",
"terms_of_use_copyright_notice_requirements": "In your notification please:",
"terms_of_use_copyright_owner_confirmation": "Confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;",
"terms_of_use_copyright_work_identification": "Identify the copyrighted work or works you claim has been infringed;",
"terms_of_use_infringement_identify_material": "Identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed; please include information reasonably sufficient to permit us to locate the material.",
"terms_of_use_infringement_provide_contact_details": "Provide your contact details, including an email address; and",
"terms_of_use_infringement_statement_good_faith": "Provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.",
"terms_of_use_links_third_party_websites_heading": "Links to Third Party Websites",
"terms_of_use_third_party_links_disclaimer": "We are not responsible for the information practices employed by sites linked to or from our website. In most cases, links to third-party websites are provided solely as pointers to information on topics that may be useful to our users. Since third-party websites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.",
"terms_of_use_personal_info_heading": "Use of Personally Identifiable Information",
"terms_of_use_personal_info_governance": "Our practices and policies with respect to the collection and use of personally identifiable information are governed by our",
"terms_of_use_warranty_heading": "No Warranty; Errors; Disclaimers",
"terms_of_use_warranty_disclaimer": "The Site and our products and services are provided “as is” and without any representation or warranty, whether express, implied or statutory. Any estimates or examples that we provide on the Site may be different than actual amounts. You agree that we may promptly correct any error that we discover, including any error in calculating your loan rates. If the error results in your receipt of an incorrect interest rate, APR or fee, we will notify you and provide you with the correct rate. You agree to provide any additional consent necessary to correct any errors that occur.",
"terms_of_use_full_disclaimer": "ALTHOUGH WE WILL USE REASONABLE EFFORTS TO PROVIDE AN ACCURATE SITE/SERVICES, ALL ASPECTS THEREOF ARE PROVIDED “AS IS”, “WITH ALL FAULTS”, AND “AS AVAILABLE”. WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES AND THIRD PARTY SUPPLIERS (COLLECTIVELY, THE “PARTIES”) DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES OR GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, THE SITE, SERVICES, ANY DOCUMENTATION PROVIDED OR MADE AVAILABLE TO YOU, AND ANY OTHER PRODUCTS AND RELATED MATERIALS AND/OR SERVICES PROVIDED TO YOU BY ANY OF THE PARTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES: (I) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, AND WORKMANLIKE EFFORT; (II) THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE SITE OR SERVICES OR ANY ASPECT THEREOF; (III) THOSE ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; (IV) THE SITE OR SERVICES CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY ANY PARTY; AND (V) THAT ACCESS TO OR USE OF THE SITE AND/OR SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY RELIANCE UPON THE SITE AND/OR SERVICES IS AT YOUR OWN RISK AND THE PARTIES MAKE NO WARRANTIES. THESE DISCLAIMERS ARE INDEPENDENT OF ANY OTHER TERM IN THESE TERMS OF USE.",
"terms_of_use_liability_heading": "Limitation of Liability",
"terms_of_use_liability_acknowledgement": "You agree that all access and use of the Site and its contents and your use of the Services is at your own risk. Neither we, nor any third party involved in creating, producing or delivering the Site and/or Services, has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the Site and/or Services, or any aspect thereof.",
"terms_of_use_liability_scope": "WE WILL NOT BE HELD LIABLE FOR ANY DEFECTS, FAULTS, INTERRUPTIONS OR DELAYS IN THE OPERATION OR TRANSMISSION, PRODUCT, AND/OR OUT OF ANY INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED IN THE SITE/SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF THE PARTIES BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR ANY OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, ARISING OUT OF, BASED ON, RESULTING FROM, OR IN CONNECTION WITH THE SITE/SERVICE OR PRODUCT, THESE TERMS OF USE, OR YOUR USE OR INABILITY TO USE ANY OF THE FOREGOING, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.",
"terms_of_use_liability_universality": "ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT OR OTHERWISE, AND EVEN IF WE OR OUR REPRESENTATIVES HAVE BEEN NEGLIGENT OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.",
"terms_of_use_indemnity_heading": "Indemnity",
"terms_of_use_indemnity_detail": "You agree to indemnify, defend and hold us harmless from and against any and all third party actions, suits, claims and/or demands and any associated losses, expenses, damages, costs and other liabilities (including reasonable attorneys’ fees), arising out of or relating to your (and your users’) submitted content, use or misuse of any aspect of the Services or Site, or your violation of these Terms of Use. You will cooperate as fully as reasonably required in the defense of any such claim or demand. We and any third party involved in creating, producing or delivering the Site/Services reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our prior written consent and any such third party.",
"terms_of_use_miscellaneous_heading": "Miscellaneous",
"terms_of_use_governing_law": "These Terms and Conditions shall be governed in all respects by the laws of the Menominee Indian Tribe of Wisconsin.",
"terms_of_use_assignment_clause": "Your obligations under these Terms of Use are binding on your successors, legal representatives and assigns. You may not assign or transfer (by operation of law or otherwise) your right to use the Site/Services or any aspect hereunder, in whole or in part, without our prior written consent.",
"terms_of_use_severability_heading": "Severability",
"terms_of_use_severability_clause": "If any provision of this Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.",
"terms_of_use_questions_heading": "Question",
"terms_of_use_contact_prompt": "Please contact us at",
"terms_of_use_contact_purpose": "with any questions regarding these Terms of Use.",
"terms_of_use_approval_cta": "See what you're approved for today",
"privacy_policy_last_revised": "Last Revised June 6, 2022",
"privacy_policy_facts_heading": "FACTS",
"privacy_policy_main_question": "WHAT DOES Northern Star Lending LLC DO WITH YOUR PERSONAL INFORMATION?",
"privacy_policy_why_heading": "Why?",
"privacy_policy_why_explanation": "Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.",
"privacy_policy_what_heading": "What?",
"privacy_policy_what_description": "The types of personal information we collect, and share depend on the product or service you have with us. This information can include:",
"privacy_policy_info_type1": "Social Security number and checking account information",
"privacy_policy_info_type2": "Payment history and income",
"privacy_policy_info_type3": "Employment information",
"privacy_policy_how_heading": "How?",
"privacy_policy_how_explanation": "All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reason Northern Star Lending LLC chooses to share; and whether you can limit this sharing.",
"privacy_policy_reasons_heading": "Reasons we can share your personal information",
"privacy_policy_does_share_heading": "Does Northern Star Lending share?",
"privacy_policy_can_limit_heading": "Can you limit this sharing?",
"privacy_policy_reason1": "For our everyday business purposes -",
"privacy_policy_reason1_detail": "such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus",
"privacy_policy_reason2": "For our marketing purposes -",
"privacy_policy_reason2_detail": "to offer our products and services to you",
"privacy_policy_reason3": "For joint marketing with other financial companies",
"privacy_policy_general_answer_yes": "Yes",
"privacy_policy_general_answer_no": "No",
"privacy_policy_general_answer_do_not_share": "We Do Not Share",
"privacy_policy_reason4": "For our affiliates’ everyday business purposes -",
"privacy_policy_reason4_detail": "information about your transactions and experiences",
"privacy_policy_reason6": "For our affiliates’ everyday business purposes -",
"privacy_policy_reason6_detail": "information about your creditworthiness",
"privacy_policy_reason8": "For our affiliates to market to you",
"privacy_policy_reason9": "For non-affiliates to market to you",
"privacy_policy_limit_sharing_heading": "To limit our sharing",
"privacy_policy_limit_option1": "Call",
"privacy_policy_limit_option1_detail": "- our menu will prompt you through your choices or",
"privacy_policy_limit_option2": "Visit us on the web at",
"privacy_policy_limit_option3": "Contact us via email at",
"privacy_policy_note_heading": "Please note:",
"privacy_policy_new_customer_note": "If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can share your information as described in this notice.",
"privacy_policy_contact_timing": "However, you can contact us at any time to limit our sharing.",
"privacy_policy_questions_heading": "Questions?",
"privacy_policy_contact_option1": "Call",
"privacy_policy_contact_option2": "or go to",
"privacy_policy_who_heading": "Who we are",
"privacy_policy_provider_question": "Who is providing this notice?",
"privacy_policy_provider_answer": "Northern Star Lending LLC business entity of the Menominee Indian Tribe of Wisconsin is providing this privacy policy.",
"privacy_policy_what_we_do_heading": "What we do",
"privacy_policy_protection_question": "How does Northern Star Lending LLC protect my personal information?",
"privacy_policy_protection_answer": "To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings.",
"privacy_policy_collection_question": "How does Northern Star Lending LLC collect my personal information?",
"privacy_policy_collection_description": "We collect your personal information, for example, when you:",
"privacy_policy_collection_method1": "Apply for a loan",
"privacy_policy_collection_method2": "Give us your income information",
"privacy_policy_collection_method3": "Tell us where to send the money",
"privacy_policy_collection_method4": "Provide account information",
"privacy_policy_collection_method5": "Provide employment information",
"privacy_policy_collection_sources": "We also collect your personal information from others, such as credit bureaus, affiliates or other companies.",
"privacy_policy_limitation_question": "Why can't I limit all sharing?",
"privacy_policy_limitation_rights": "You have the right to limit only:",
"privacy_policy_limit_right1": "sharing for affiliates’ everyday business purposes – information about your creditworthiness",
"privacy_policy_limit_right2": "affiliates from using your information to market to you",
"privacy_policy_limit_right3": "sharing for non-affiliates to market to you",
"privacy_policy_joint_account_question": "What happens when I limit sharing for an account I hold jointly with someone else?",
"privacy_policy_joint_account_answer": "Your choices will apply to everyone on your account.",
"privacy_policy_definitions_heading": "Definitions",
"privacy_policy_affiliates_term": "Affiliates",
"privacy_policy_affiliates_definition": "Companies related by common ownership or control. They can be financial and non-financial companies.",
"privacy_policy_affiliates_note": "Our affiliates include other business entities of the Tribe.",
"privacy_policy_non_affiliates_term": "Non-Affiliates",
"privacy_policy_non_affiliates_definition": "Companies not related by common ownership or control. They can be financial and non-financial companies. Non-Affiliates we share with can include service providers and data processors.",
"privacy_policy_joint_marketing_term": "Joint marketing",
"privacy_policy_joint_marketing_definition": "A formal agreement between nonaffiliated financial companies that together market financial products or services to you.",
"privacy_policy_joint_marketing_verb": "does",
"privacy_policy_joint_marketing_negation": "not jointly market",
"contact_support": "Contact Support",
"contact_availability": "Our friendly customer service team is available Monday through Friday 7AM to 8PM CST.",
"contact_message_us": "Message Us",
"contact_call_us": "Call Us",
"contact_mailing_address": "Mailing Address",
"contact_tribal_hotline": "Tribal Dispute Hotline",
"contact_tribal_hotline_desc": "If you have already contacted our customer service team in an attempt to resolve an issue or concern and still need additional assistance, please contact the Tribal Dispute Hotline at",
"contact_from": "from",
"opt_out_message": "If you would like to opt out of future marketing communication and / or information sharing, please call or email us.",
"opt_out_phone_label": "Phone number:",
"opt_out_email_label": "Email address:",
"opt_out_see_approval": "See what you're approved for today",
"button_get_started": "Get Started",
"button_apply_now": "Apply Now",
"button_contact_us": "Contact Us",
"disclaimer_loan_verification": "We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt.",
"disclaimer_funding_schedule": "Loan Applications processed and approved by 2:00 PM CST of any business day will be funded the same day. Loan Applications approved and processed after 2:00 PM CST will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed herein.",
"disclaimer_tribal_jurisdiction": "Northern Star Lending is a commercial enterprise and instrumentality of the Menominee Indian Tribe of Wisconsin, a federally recognized sovereign Indian nation (the “Tribe”) that adheres to federal consumer finance laws and operates within the boundaries of the Tribes’ reservation. Northern Star Lending operates pursuant to the law of the Tribe. Loans from Northern Star Lending are governed by federal law and the law of the Tribe, not the law of the state where you reside. Nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly reserved.",
"disclaimer_cost_of_borrowing": "Please note: This is an expensive form of borrowing. Northern Star Lending installment loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. The Annual Percentage Rate (“APR”) as applied to your loan will range from 630%-780% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Failure to repay your loan obligations when due may result in additional fees and collection activities as described in your loan agreement and as allowed by applicable Tribal and federal law.",
"disclaimer_availability": "The Menominee Indian Tribe of Wisconsin, a federally recognized Indian Tribe, does not allow access or accept applications for this service from residents of all locations, and the service may or may not be available at your location, and does not constitute an offer or solicitation for consumer loans in a state. The location from which the Tribe chooses to allow access to its jurisdiction may change from time to time without notice. If you choose to visit the Tribe’s jurisdiction through the internet and access services offered and regulated under the Tribe’s laws, you must consent to the Tribe’s jurisdiction and agree that Tribal law governs such services. Availability of loans are subject to change at any time at the sole discretion of Northern Star Lending LLC.",
"footer_fraud_notice": "Supports efforts to combat fraud in the lending industry. If you believe you have been a victim of fraud, please contact your local law enforcement authority and the Online Lenders Alliance Consumer Hotline at.",
"form_loan_application": "Online Loan Application",
"form_loan_application_description": "It is important to fill out this form accurately. Knowingly making a false statement on a credit application is a crime.",
"form_personal_info": "Personal Information",
"form_select_amount": "Select Amount",
"form_loan_amount": "Loan Amount",
"form_email": "Email",
"form_first_name": "First Name",
"form_last_name": "Last Name",
"form_home_phone": "Home Phone",
"form_cell_phone": "Cell Phone",
"form_address": "Address",
"form_city": "City",
"form_state": "State",
"form_zip": "Zip",
"form_own_or_rent": "Own or Rent",
"form_own": "Own",
"form_rent": "Rent",
"form_time_at_this_address": "Time at This Address",
"form_time_address_years": "Years",
"form_time_address_months": "Months",
"form_drivers_linecse_info": "Drivers License Info",
"form_state_address": "State Address",
"form_drivers_license_number": "Drivers License Number",
"form_date_of_birth": "Date of Birth",
"form_birth_years": "Years",
"form_birth_months": "Months",
"form_birth_day": "Day",
"form_ssn": "Social Security Number",
"form_button_previous": "Previous",
"form_button_next": "Next",
"form_button_submit": "Submit",
"form_button_cancel": "Cancel",
"form_income_info": "Income Information",
"form_income_info_description": "We use this information to verify you are employed. If you are not employed, but have regular income you can still qualify for a loan.",
"form_military_status": "Military Status",
"form_military_status_no": "I am NOT a regular or reserve member of the Armed Forces on active duty, or a dependent of such member.",
"form_military_status_yes_regular": "I am a regular or reserve member of the Army/Navy/Marine Corps/Air Force/Coast Guard.",
"form_military_status_yes_dependent": "I am a dependent of a member of the Armed Forces on active duty.",
"form_income_type": "Income Type",
"form_income_type_select_one": "Select One",
"form_income_type_disability_income": "Disability Income",
"form_income_type_social_security": "Social Security",
"form_income_type_employed": "Employed",
"form_income_type_unemployed": "Unemployed",
"form_income_type_pension": "Pension",
"form_income_type_others": "Others (Child Support, Welfare, etc.)",
"form_payroll_info": "Payroll Info",
"form_payroll_info_select": "Select Pay Method",
"form_payroll_info_direct_deposit": "Direct Deposit",
"form_payroll_info_paper_check": "Paper Check",
"form_payroll_info_cash": "Cash",
"form_payroll_frequency": "Payroll Frequency",
"form_payroll_frequency_how_often": "How Often",
"form_payroll_frequency_bi_weekly": "Bi-Weekly",
"form_payroll_frequency_weekly": "Weekly",
"form_payroll_frequency_monthly": "Monthly",
"form_payroll_frequency_semi_monthly": "Semi-Monthly",
"form_payroll_frequency_last_amount": "Last Paycheck Amount",
"form_payroll_frequency_last_date": "Last Paycheck Date",
"form_employer": "Employer",
"form_employer_address": "Employer Address",
"form_employer_city": "Employer City",
"form_employer_state": "Employer State",
"form_employer_select_state": "Select State",
"form_employer_zip": "Employer Zip",
"form_work_phone": "Work Phone",
"form_job_type": "Job Type",
"form_job_type_select": "Select One",
"form_job_type_full_time": "Full Time",
"form_job_type_part_time": "Part Time",
"form_job_type_job_title": "Job Title",
"form_job_duration": "Job Duration",
"form_job_duration_years": "Years",
"form_job_duration_months": "Months",
"form_bank_info": "Bank Information",
"form_bank_info_description": "We use this information to verify you are employed. If you are not employed, but have regular income you can still qualify for a loan.",
"form_accounty_type": "Account Type",
"form_checking_account": "Checking Account",
"form_savings_account": "Savings Account",
"form_bank_name": "Bank Name",
"form_routing_number": "9-Digit ABA (Routing) Number",
"form_account_number": "Account Number",
"form_account_opened_for": "Account Opened For",
"form_account_opened_for_years": "Years",
"form_account_opened_for_months": "Months",
"form_agreement_description": "By clicking on the “Submit” button, I agree to the following:",
"form_agreement_full": "I agree to northernstarlending.com's TERMS OF USE and PRIVACY POLICY.",
"form_agreement_receive_emails": "I agree to receive emails from northernstarlending.com, though you may change your email preferences at anytime by",
"form_agreement_contact_us": "contacting us",
"form_agreement_acknoeledge": "I acknowledge that by completing and submitting the website application that I am applying for a Loan. northernstarlending.com verifies applicant information through national databases including, but not limited to, Clarity, Factor Trust and Microbilt and we may pull your credit in order to determine your eligibility and ability to repay",
"swal_submit_title": "Submit a Loan Application?",
"swal_submit_text": "Are you sure the details you input is correct?",
"swal_confirm_button": "Yes!",
"swal_cancel_button": "No!",
"swal_success_title": "Success",
"swal_success_text": "You will be redirected in a few sec."
}