Except as otherwise provided in subsection 4 and NRS 598.9737 : 1. A person who, in the course of his or her business or occupation, advertises in a language other than English and negotiates orally or in writing any of the transactions listed in subsection 3 in a language other than English, or who allows an employee or agent of the person to advertise in a language other than English and to negotiate orally or in writing any of the transactions listed in subsection 3 in a language other than English, shall deliver a translation of the contract or agreement that results from such advertising and negotiations in the language that was used in the advertisement and negotiation of the contract or agreement to the person who is a party to the contract or agreement and to any other person who may sign the contract or agreement. 2. The translation of the contract or agreement required by subsection 1 must: (a) Be provided to the person who is a party to the contract or agreement and to any other person who may sign the contract or agreement before the execution of the contract or agreement; and (b) Include, without limitation, every term and condition in the contract or agreement. 3. A person must provide pursuant to subsection 1 a translation of a contract or agreement that results from the following transactions: (a) A loan or extension of credit that is secured by property, other than real property, that is used for personal, family or household purposes; (b) A lease, sublease, rental contract or agreement or other contract or agreement containing a term of tenancy if the lease, sublease, rental contract or agreement or other contract or agreement: (1) Is for a period that is at least 1 month; and (2) Applies to a dwelling, apartment, mobile home or other dwelling unit that is used as a residence; or (c) Except as otherwise provided in this paragraph, an unsecured loan that is used for personal, family or household purposes. A credit instrument, as defined in NRS 463.01467 , is not an unsecured loan for the purposes of this paragraph. 4. The provisions of this section do not apply to a person who: (a) Is a bank, savings and loan association, savings bank, thrift company or credit union; (b) Has a physical location; and (c) Engages in a transaction other than: (1) The issuance of a credit card, as defined in NRS 97A.050 ; or (2) An automobile loan. 5. As used in this section, automobile loan means a loan or an extension of credit that is expressly intended to finance the purchase of a motor vehicle, as defined in NRS 482.075 , when the loan or credit is secured by the motor vehicle being purchased.
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