Compliance Guidelines

For legal and regulatory purposes, Uplift is required to abide by certain guidelines when presenting pay monthly messaging. The following must be maintained. Please reach out to your Uplift representative for any clarification or review.

General Guidelines

• Applicant must be a US citizen or permanent resident and at least 18 years of age.

• It is recommended that a partner’s app should provide an access to Uplift’s FAQ via help section or equivalent resource.

Guidelines for Pay Monthly Messaging

• The words “Pay Monthly” should always appear side by side and never in a stacked format.

• Only show the Pay Monthly options for the actually available terms, which is when the current basket total qualifies for the minimum amount to obtain a loan through Uplift.

• Any statement or implied statement including any of the trigger terms below will require a clear and conspicuous disclosure comprised of (1) the amount or percentage of the downpayment; (2)the terms of repayment, which reflect the repayment obligations over the full term of the loan; (3)the “annual percentage rate,” using that term, and, if the rate may be increased after consummation, that fact.

  • Only
  • As low as
  • Total cost
  • Down payment
  • Payment Period
  • Payment amount
  • Finance charge

• The “from" or “as low as” needs to be inline with the monthly payment amount rather than above/below - its a critical piece of the disclosure and it’s easy to miss when its above or below the amount. There is also need for a clickable disclosure following the guidelines stated in the previous section

• The currency symbol, value, and “/mo” or “/month” or “per month” is a Trigger Term, it should be underlined and must have the info modal icon appearing immediately after. See acceptable variations below pre-approved by Compliance and Product. Any other variations require approval from Uplift prior to use.

  • Examples:

    • or Pay Monthly from $XX/mo (i)
    • or Pay Monthly from $XX/month (i)
    • or Pay Monthly from $XX per month (i)
    • or Pay Monthly from $XX (i)
    • or Pay Monthly as low as $XX/mo (i)
    • or Pay Monthly as low as $XX/month (i)
    • or Pay Monthly as low as $XX per month (i)
    • or Pay Monthly as low as $XX (i)
    • or Pay Over Time from $XX/mo (i)
    • or Pay Over Time from $XX/month (i)
    • or Pay Over Time from $XX per month (i)
    • or Pay Over Time as low as $XX/mo (i)
    • or Pay Over Time as low as $XX/month (i)
    • or Pay Over Time as low as $XX per month (i)

• If there is no common denominator for upgrades/add-ons (e,g. “more”, “extra”, “+”), make sure to add a “+” sign in front of monthly pricing. This will also require an info modal icon. See acceptable variations below pre-approved by Compliance and Product.

  • Examples:

    • or Pay Monthly from less than +$1/mo (i)
    • or Pay Monthly from less than +$1/month (i)
    • or Pay Monthly from less than +$1 per month (i)
    • or Pay Monthly from less than +$1 (i)
    • or Pay Monthly as low as less than +$1/mo (i)
    • or Pay Monthly as low as less than +$1/month (i)
    • or Pay Monthly as low as less than +$1 per month (i)
    • or Pay Monthly as low as less than +$1 (i)
    • or Pay Over Time from less than +$1/mo (i)
    • or Pay Over Time from less than +$1/month (i)
    • or Pay Over Time from less than +$1 per month (i)
    • or Pay Over Time as low as less than +$1/mo (i)
    • or Pay Over Time as low as less than +$1/month (i)
    • or Pay Over Time as low as less than +$1 per month (i)

• If upgrade is NOT refundable, then it must be covered in down payment. In other words, do not include the non-refundable upgrades in baseline calculation for from pricing, treat them as trip insurance.