I read the FAQ and the phrase that immediately popped up in my head was "loan sharks": - It wasn't at all clear from the website that the money would be a loan

I read the FAQ and the phrase that immediately popped up in my head was "loan sharks": - It wasn't at all clear from the website that the money would be a loan - I only got confirmation of this after several clicks to get to the FAQ. - "Case-by-case" basis? Does that mean if they think someone is going to tank they'll ask for their money back? or perhaps they'll want it back before the next cycle? - As another commenter has said, the phrase "don't worry" from money lenders makes me feel queasy. I realise the above points are very touchy-feely but compared to what else is out there, I wouldn't be willing to even consider these guys.