Terms of Service

1. Access to Site
Company reserves the right, in our sole and absolute unilateral discretion, to terminate, suspend or restrict your access to this website, without notice, in the event you violate any of these Terms and Conditions of Use. We also reserve any and all remedies at law or in equity in connection with any violation of the website Terms and Conditions of use.

2. Consent to Monitoring and Disclosure
Company is under no obligation and does not assume any obligation to monitor the information included in, transmitted to or made accessible via this website. However, you agree that we may monitor this website in further effort to protect the user and information of the website and to comply with all applicable federal, state and/or local laws, rules and regulations. Company reserves the right to modify or remove any information contained on the website without notice to users. All information provided by the Company in connection with the website that must be disclosed to any other person or entity to complete your requested transaction will not be considered confidential for such limited purposes. Company shall be free to use, disclose and distribute such information to identified third parties without limitation in accordance with the confines of the law.

3. ACH Disclosure
When you provide a check as payment, you authorize Company either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When Company uses information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.

4. Intellectual Property Rights
Materials published by Company on the website may contain proprietary notices, proprietary information, products or services owned by the Company and/or third parties. Nothing contained herein shall be construed as granting to the user a license under any copyright, trademark, patent or other intellectual property right of Company or any third party. The Company will not be responsible for any third party material.

The information contained on this website is proprietary to the Company and its providers and you hereby acknowledge and agree that Company and/or its providers own all legal right, title and interest in and to the information contained herein. You may not provide this website to third parties by way of sale, lease, license, assignment, file transfer, networking or other form of acquisition without the prior written consent of Company.

All Company names, logos, and designs, are the marks or trademarks of the Company or third parties. Nothing contained herein shall be construed as granting to the user of this website any consent, waiver or license under any copyright, trademark, patent or other intellectual property or other legal right of the Company or any third party.

5. Advertisements / Content
Some or all of the information contained in this website is or may be supported by advertising and/or promotional revenue. Company will use reasonable efforts to include accurate and up-to-date information contained in this website. However, by accessing or linking to this website, you assume the risk that this website and the content it contains, may be incomplete, inaccurate, out of date, or may not meet your needs and requirements. Company assumes no obligation to update the content of this website and further assumes no liability for any incomplete or inaccurate information displayed on this website or any information made available via third-party links. Company is not responsible for the privacy practices or content of any third-party websites that are linked through Company's website. Furthermore, Company's website may be accessed through a third-party links from a website in which Company has no control and makes no warranties or representation regarding the accuracy of any information contained in any third-party website. By accessing this website you agree to indemnify, defend and hold harmless Company and its Affiliates and their respective officers, directors, employees, successors and assigns from any and all costs, damages, and/or liabilities (including attorneys' fees) arising from, in connection with, or based upon allegations whenever made, of any party regarding the accuracy and/or misappropriation of any information contained in this or any other website accessed or linked through this website.

6. Disruption of Service
Access to this website may from time to time be or become unavailable, delayed or otherwise limit adequate usability due to hardware failure, telecommunication line failure or interruption, network or server failures, viruses, errors, incompatibility of systems or other such things that may be a result of the end users equipment, connections or other causes outside of the control of Company. In the event an interruption of service or other failure causes irreparable harm to the end user Company shall not be held accountable for any damage, inaccuracy, adequacy, incompletion of information or materials submitted through your use of this website.

7. Disclaimer of Limited Liability
YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS WEBSITE AND THE LINKS PROVIDED THEREIN. THE INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO INFORMATION PROVIDED BY COMPANY AND/OR THEIR EMPLOYEES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. THE COMPANY DOES NOT WARRANT THAT THE INFORMATION ON THIS WEBSITE, LINKED WEBSITES, OR AS OTHERWISE ACCESSIBLE HEREIN WILL BE UNINTERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE FROM THIS OR ANY OTHER WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

YOU AS THE USER OF THIS WEBSITE UNDERSTAND AND AGREE THAT IN THE EVENT YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIAL OR DATA THROUGH THE USE OF THIS SITE YOU DO SO AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOU, YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE USE OR DOWNLOAD OF SUCH MATERIAL OR DATA.

COMPANY IS NOT LIABILE IN THE EVENT A PAYMENT TRANSACTION IS NOT COMPLETED FOR ANY REASON, INCLUDING BUT NOT LIMITED TO THE IMPROPER OR INCOMPLETE INFORMATION, INSUFFICIENT FUNDS OR CREDIT, THE FAILURE OF SYSTEMIC PROCESSES OF THIS WEBSITE OR YOUR FINANCIAL PROVIDERS. COMPANY RESERVES THE RIGHT TO SUSPEND OR TERMINATE ANY TRANSACTION THAT COMPANY DEEMS INVALID, UNAUTHORIZED, FRAUDULENT OR OTHERWISE.

8. Security - Personal Information
Company respects your right to the privacy of your personal information. You agree to comply with any security processes and procedures (such as passwords) specified by the Company with respect to access to or use of this website. Company agrees not to retain your personal information for any other purposes than to fulfill the obligations of Company as set forth in these Terms and Conditions of Use. The obligations set forth in this Section shall survive termination of the Terms and Conditions of Use. Company shall ensure that Company personnel shall not attempt to access, or allow access to, any of your information that they are not permitted to access under these Terms and Conditions of Use.

9. Consent to Further Use of Information You Provide on this Website
I hereby expressly consent to and further knowingly provide any and all information, personal or as otherwise required to complete my payment transactions herein or voluntarily upon my own volition to Company and further authorize Company to utilize the information that I provide herein to contact me directly or through an automated dialing system or prerecorded messaging system, including but not limited to, my electronic mail address, residence address, cellular or landline telephone or facsimile numbers or other means of electronic, virtual or traditional means of communication, in an effort to recover any unpaid portion of any obligation that I now owe or incur in the future that is or may be placed with Company for collection services, default prevention, counseling or other related services.

10. Passwords
In order to access certain websites and services, you may be required to enter a user name and password on the website. You shall hold your user name and password in strict confidence. In the event you determine that the confidentiality of your password or user name has been breached, you shall immediately notify Company of such occurrence. In such event, Company will issue you a new user name and password to prevent further misuse.

11. Anti-spam Policy
Users of this website shall not transmit unsolicited e-mail messages (“Spam”). You are further prohibited from obtaining the service of another provider to send Spam to promote a website hosted or otherwise accessible on or through this website.

12. Indemnification
You agree to protect, defend, indemnify and hold harmless Company and its and their respective officers, directors, employees and agents harmless from and against any and all claims, actions, proceedings, judgments, expenses, damages and liabilities (including, without limitation, attorneys' fees and court costs) which may result, directly or indirectly, from any breach of these Terms and Conditions of Use.

13. General
This Agreement and performance under it shall be governed by and construed in accordance with the law of Iowa without regard to any portion of its choice of law principles. You agree that Company does not waive any right by not exercising or enforcing any legal right or remedy which is contained in these Terms and Conditions of Use or under applicable law. Said failure to exercise any right will not be taken to be a formal waiver of Company's rights. If any provision of these Terms and Conditions of Use conflicts with the law under which this Agreement is to be construed, or if any such provision is held invalid by a competent authority, such provision shall be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remainder of these Terms and Conditions of Use shall remain in full force and effect. Any provision of this Agreement that contemplates performance or observance subsequent to termination or expiration of this Agreement shall survive termination or expiration of this Agreement and continue in full force and effect. Company may make changes to these Terms and Conditions of Use without receiving prior consent from users of this website or without providing any notice of said changes. Any and all changes to these Terms and Conditions of Use will be made available to users on this website. These Terms and Conditions of Use are non-exclusive and shall not be deemed to be a requirements contract. These Terms and Conditions of Use shall be binding on the parties hereto and their respective successors and assigns. You may not assign your rights under these Terms and Conditions of Use or delegate your obligations hereunder, without the prior consent of Company. Company may assign or delegate its rights and obligations under these Terms and Conditions of Use to an entity which acquires all or substantially all of the Company assets or to any Affiliate, or successor in a merger, acquisition or liquidation of Company, however, in no event shall such assignment relieve Company or its assignee or successor of its obligations under these Terms and Conditions of Use. These Terms and Conditions of Use constitute the entire agreement between the parties with respect to the subject matter contained in these Terms and Conditions of Use and supersede all prior correspondence, discussions, agreements, and understandings entered into between the parties, whether written or oral, with respect to such subject matter.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.