Terms of Use

Terms and Conditions

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

BEFORE USING ANY WEB PAGES OR INFORMATION CONTAINED HEREIN OR LINKED HERETO OR BEFORE SUPPLYING ANY INFORMATION, YOU SHOULD CAREFULLY READ THE FOLLOWING IMPORTANT TERMS AND CONDITIONS, INCLUDING DISCLAIMERS.

This Website is intended for authorized users only. By accessing, viewing, or using the content, material, or services available on or through this Website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions or you are not an authorized user, you are not granted permission to use this Website and must exit immediately.

Users of this website have the ability to make payments. If you are making payments through the website, you agree to the following additional terms and conditions:

* If we receive payment authorization from you before ____ p.m. EST on a business day, we will attempt to debit funds from your account within twenty-four (24) hours, or one business day.

* We are not responsible, and therefore not liable, for failure to complete a payment in a timely manner in the following, non-exclusive circumstances: (1) through no fault of ours, your account lacks sufficient funds to debit the amount you authorized for withdrawal; (2) the website or other essential systems are not functioning properly; (3) circumstances beyond our control such as fire, flood, computer malfunction or a downed phone line prevent or impede the transaction despite reasonable precautions to prevent such events; (4) withdrawals from your account are restricted due to funds hold, legal process or any other encumberance or claim; and (5) the information you supplied to us is incomplete, inaccurate or untimely.

* You agree to promptly review and verify all transactions made through our website and/or through the statements provided by your financial institution holding the account from which you authorized a payment. If you believe an error has occurred, or if you have any questions about transfers from your account made by us, please contact our office immediately.

* By making a payment via our website, you agree to receive any required disclosures and mandated notices electronically. In most instances, these notices are provided on our website or our vendors’ websites.

* Before making a payment via our website, we recommend checking with your bank to ensure the amount you are authorizing us to withdraw does not exceed your financial institution’s limitations. Please note that if we are unable to make the withdrawal from your account due to insufficient funds or any error, omission, or act on your part, we are not responsible for any costs, fees or other damages caused by failure to make a payment. We are not obligated to attempt to debit your account for payment more than once.

* If there are additional users on your account, you hereby authorize each additional user to use the payment service provided by this website. Any signee on such accounts is authorized to make payments, even if your account requires two or more signatures for withdrawals in different circumstances.

We reserve the right to terminate your use of our payment service at any time and without cause. Please be aware that the following events may lead to the immediate termination of your use of the payment service: (1) you or an authorized user of your account breaches an agreement with use; (2) we know or have reason to believe there has been or may be unauthorized use of your account or our payment service; (3) you or any authorized user of your account or this payment service requests that we terminate your use of the payment service; or (4) there are conflicting claims to the funds in your account. Please be aware that if you or another party asks us to terminate your service or if your account is closed for any reason, you remain liable for the outstanding balance of the account that you owe.

These Terms and Conditions may be changed at any time and without notice. It is the obligation of users visiting the Website to review the Terms and Conditions for any changes since their last visit.

Any information, services, or materials offered by or through this Website shall not be construed as or understood to be financial, investment, legal, tax, or accounting advice of any kind and should not be relied upon as such.

We will never sell any personally identifiable information to a third party for marketing purposes without your consent. Please review our Privacy Policy for information regarding the use of information collected from you.


Privacy Policy

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

We recognize and appreciate the importance of maintaining the privacy and security of the personal information users of this website provide while using the services provided by the website. Please be advised that we do not sell or otherwise share your non-public information with nonaffiliated third parties who may wish to use the information for their own benefit or who are not performing a function necessary to support our collection-related services as described below.

We have policies and security safeguards in place to protect your non-public information that conforms with industry standards and comply with all applicable rules and regulations. Please be aware that no website is invulnerable and we encourage you to take reasonable measures to protect your information.

The following privacy policy applies to all individuals whose non-public personal information may be placed with our company for the purpose of collection-related services.

Non-public Information means information about you we receive in the due course of collection-related business. Non-public information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership but means owning enough to have control.

Non-affiliated Third Parties are companies that are not an affiliate of ours.

We only disclose information to affiliated and non-affiliated third parties as permitted or required by the federal Fair Debt Collection Practices Act (“FDCPA”). We may share information we collect with third parties that provide mailing and/or other collection-related services to us. When we share your information with these companies, they are required to limit their use of your information to the particular purpose for which it was shared and they are not allowed to share it with others except to fulfill that limited purpose. In addition, if permitted by the FDCPA, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to service your account or manage our business. We maintain physical, electronic, and procedural security measures to protect your information. You may have other privacy protections under state laws.

Children’s Online Privacy. The law requires parental consent to collect or use information from a child under the age of 13. If you are a child younger than 13, please show this privacy policy to your parents and do not use the online services provided on this website without verifiable parental consent pursuant to the Children’s Online Privacy Protection Act.

Our website, like most websites, uses “cookie” technology, or similar technologies or third-party software to collect non-personally identifiable information about your use of our page. This information includes the type of computer you are using, the browser you are using, your computer’s operating system, the internet service provider you use, and other similar information. Our system automatically gathers information about the areas of our website you utilize and any links you use to other sites. Please note that most browsers are set to accept cookies. You can set your browser to refuse cookies or to let you know when cookies are being sent.

Our website may contain portals to the websites of third parties that offer services through our website. Please be advised that we are not responsible for any actions or policies of those third parties should you use a portal to their website. Once on the third parties’ website, you should review the third party’s privacy policies before providing any non-public information as our privacy policy does not apply to any other websites, including those websites that can be reached via a link from our website. Our website will inform you when you are leaving our website for a third party’s site. We have no control over the use of cookies by advertisers or third parties who display information on our website or the sites you visit by using links from our website.

We reserve the right to amend this privacy notice at any time with or without notice.