Terms of Use

Web Site Terms and Conditions of Use

 

 

AGREEMENT BETWEEN USER AND TRUE FINANCIAL

The www.truefinancial.com website is comprised of various web pages operated by True Financial. The www.truefinancial.com website (the “Site”) is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (these “Terms and Conditions”). Your use of the Site constitutes your agreement to all such terms, conditions, and notices.

We may make changes to these Terms and Conditions at any time.  Your continued use after changes are made, and any change necessitating notification provided, will signify you agree to such changes.

 

CONSENT TO RECEIVE CONSUMER DISCLOSURES BY ELECTRONIC DELIVERY

 

ELECTRONIC CONSENT:

True Financial is an online operator and by visiting the Site you are agreeing to receipt of consumer notices by electronic delivery, including but not limited to required state and federal consumer notice disclosures, consumer agreements and contracts and consents related to email, calls and text messaging. This also includes similar notifications by electronic delivery by our affiliates. And further includes your submission of information on the Site and/or clicking “ACCEPT LOAN”, where available. Collectively, the consent as outlined in this paragraph is referred to as your “Electronic Consent.” When providing your Electronic Consent, you are also acknowledging that you have the ability to view, print and/or save the relevant information.

Your Electronic Consent is an acknowledgement and agreement to the Electronic Signature Global and National Commerce Act (“E-Sign Act”) and includes any information you provide to us and/or our affiliates, your receipt and signature of contracts, disclosures and like provided in the following formats, which list shall not be exclusive: email, text messaging, secured access to the customer’s section of our Site, and postings on this Site.

YOUR ELECTRONIC CONSENT IS VALID UNTIL REVOKED.

OPT OUT/WITHDRAWAL OF ELECTRONIC CONSENT/RECORDS REQUEST

You may withdraw your Electronic Consent by not visiting our Site and/or not submitting information; however, we will not be able to service your requests and/or be limited in the provision of services we can offer you if you do exit the Site and/or withdraw your Electronic Consent. YOU HAVE THE RIGHT TO OPT OUT OF YOUR ELECTRONIC CONSENT AND RECEIVE THE ELECTRONIC DOCUMENTS IN HARD COPY. TO DO SO, YOU MUST OPT OUT, FOLLOWING THE PRIVACY POLICY LINK ABOVE AND/OR PROVIDE NOTICE OF YOUR REQUEST FOR PAPER DOCUMENTS. YOUR REQUEST SHOULD BE SENT TO help (at) truefinancial.com OR BY MAIL TO TRUE FINANCIAL, ATTN: RECORDS REQUEST, 917 W Washington Boulevard, Los Angeles 90015. By using this Site you are agreeing to provide accurate information, including information contained in the application process, such as an email address by which you can receive emails and documents from True Financial; you further provide your Electronic Consent and understand and agree that such consent is valid until revoked; that you have the minimum specifications to view, save and/or print the disclosures and materials covered by your Electronic Consent; and that you acknowledge that you have read, reviewed and agree to the provisions of this Consent to Receive Consumer Disclosures by Electronic Delivery section of the Terms of Use.

ELECTRONIC AGREEMENTS

You expressly agree that any or all of the documents you execute and/or disclosures you receive in connection with this Site and conducting business with True Financial and its affiliates, may be retained in electronic form (“Electronic Agreements”) and that these Electronic Agreements are transferable records in electronic form and may be authenticated, stored, and transmitted by electronic means, and will be valid for all legal purposes, as set forth in the Electronic Signatures in Global and National Commerce Act, the Uniform Electronic Transactions Act, and the Uniform Commercial Code to the extent applicable. You agree that the Electronic Agreements may be converted to paper at our discretion, in which case the converted paper documents will be considered to be the original documents between us. You also understand that we are only obligated to retain the Electronic Agreements for the statutorily required period of time as it relates to each particular Agreement.

 

REMINDERS, PRE-RECORDED CALLS & TEXT MESSAGES

On occasion, our customer service representatives, our affiliates and/or an automated telephone dialing system may call you to respond to your inquiry, provide reminder messages about your loan and other important information regarding our or an affiliates’ products and services. In the event of the use of the automatic telephone dialing system, these messages are played automatically when the telephone is answered, whether answered by you or someone else. They may be recorded by your answering machine or voicemail system. In the event that a customer service representative calls, instead of the automatic telephone dialing system, that customer service representative may also leave a message on your answering machine or voicemail. You give us and our affiliates your consent to call any telephone number you have given to us, as well as any numbers we acquire that we can reasonably associate with your account, and to leave messages, whether pre-recorded or otherwise, with information about your Loan with us. If you are in default of your obligations to us, you authorize us to call you at work or home, or at other numbers you have provided us or we have obtained for you, to leave a message with a person or voice mail service stating our name and phone number, to text you, to write you at home and to acquire location information about you from references or employers on your application. You agree that we will not be liable to you for any such calls. You further consent to the recording and monitoring, for quality assurance and collection purposes, of any call that you place to us (or our affiliates) or that we (or our affiliates) place to you.

 

MODIFICATION OF THESE TERMS OF USE

True Financial reserves the right to change the terms, conditions, and notices under which the Site is offered, including but not limited to the charges associated with the use of the Site.

 

LINKS TO THIRD PARTY SITES / THIRD PARTY SERVICES

The Site may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of True Financial and True Financial is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. True Financial is not responsible for webcasting or any other form of transmission received from any Linked Site. True Financial is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by True Financial of the site or any association with its operators. Certain services made available via the Site are delivered by or through third party sites and organizations. By using any product, service or functionality originating from the Site domain, you hereby acknowledge, agree and consent that True Financial may share such information and data with any third party with whom True Financial has a contractual relationship as may be necessary or appropriate to provide any product, service or functionality you may request.

 

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Site, you warrant to and covenant with True Financial that you will not use the Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Site in any manner, which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

THE DOCUMENTS, LETTERS, ARTICLES AND ALL OTHER CONTENT FOUND ON THE SITE (“TRUE FINANCIAL CONTENT”) MAY BE PROTECTED BY COPYRIGHT AND OTHER APPLICABLE INTELLECTUAL PROPERTY RIGHTS. TRUE FINANCIAL CONTENT IS NOT FOR RESALE. YOUR USE OF THE SITE DOES NOT ENTITLE YOU TO RESELL ANY TRUE FINANCIAL CONTENT. FOR THE AVOIDANCE OF DOUBT, YOUR USE OF THE SITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS AND YOUR PROMISE THAT YOU WILL NOT RESELL OR OTHERWISE ATTEMPT TO COMMERCIALLY BENEFIT FROM THE TRUE FINANCIAL CONTENT WITHOUT THE EXPRESS WRITTEN CONSENT OF TRUE FINANCIAL.

 

MUST BE 18 YEARS OR OLDER

The Site is neither intended for, nor directed to, children under the age of 18. If True Financial learns that a person who registers on the Site is under the age of 18, True Financial will promptly delete that individual’s registration.

 

DATA AND SITE SECURITY

While True Financial uses reasonable efforts to safeguard the security of the Site, there can be no guaranty that such safeguards will successfully prevent unauthorized alterations in the content or functionality of the Site. The Company assumes no liability or responsibility for any unauthorized alterations in the content or functionality of the Site

USE OF COMMUNICATION SERVICES

The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.

Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.

Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages. 

Conduct or forward surveys, contests, pyramid schemes or chain letters.

Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

Restrict or inhibit any other user from using and enjoying the Communication Services.

Violate any code of conduct or other guidelines that may be applicable for any particular Communication Service.

You agree that you will not use any robot, spider, Web crawler, screen scraper, automated query program or other automatic device or manual process to monitor or copy our web pages or the content contained herein.

Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

Violate any applicable laws or regulations.

True Financial has no obligation to monitor the Communication Services. However, True Financial reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. True Financial reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Any unsolicited communication or material that you transmit to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and nonproprietary. Any unsolicited communication or material that you transmit or post may be used by the Company or its affiliates for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcasting, distribution or posting. Furthermore, the Company will be free to use any ideas, concepts, know-how, or techniques contained in any unsolicited communication or material that you send to the Site for any purpose whatsoever including, but not limited to developing, manufacturing and marketing products using such information.

True Financial reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in True Financial’s sole discretion.

You agree to always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. True Financial does not control or endorse the content, messages or information found in any Communication Service and, therefore, True Financial specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized True Financial spokespersons, and their views do not necessarily reflect those of True Financial.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

Liability Disclaimer:

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. TRUE FINANCIAL AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME. ADVICE RECEIVED VIA THE SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

TRUE FINANCIAL AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, OR ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES OR RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. TRUE FINANCIAL AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TRUE FINANCIAL AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF TRUE FINANCIAL OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

TERMINATION/ACCESS RESTRICTION

True Financial reserves the right, in its sole discretion, to terminate your access to the site and the related services or any portion thereof at any time, without notice.

International Users: None of the products or underlying information or technology available at this Site may be downloaded or otherwise exported (i) into (or to a national or resident of) any country to which the United States has embargoed goods; or (ii) to anyone on the United States Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading from, or using the Site, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list. You further agree to indemnify the Company against any and all costs, liabilities, losses or expenses arising from, or relating to, any asserted violation by you of any of the laws and administrative regulations of the United States relating to the control of exports of commodities and technical data.

 

GENERAL

To the maximum extent permitted by law, these Terms and Conditions are governed by the laws of the State of Alabama, U.S.A. you hereby consent to the exclusive jurisdiction and venue of courts in the respective State of California, U.S.A. in all disputes arising out of or relating to the use of the www.truefinancial.com website. Use of the www.truefinancial.com website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms and Conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and True Financial as a result of these Terms and Conditions or use of the www.truefinancial.com website. True Financial’s performance of these Terms and Conditions is subject to existing laws and legal process, and nothing contained in these Terms and Conditions is in derogation of True Financial’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the www.truefinancial.com website or information provided to or gathered by True Financial with respect to such use. If any part of these Terms and Conditions is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms and Conditions shall continue in effect. Unless otherwise specified herein, these Terms and Conditions constitute the entire agreement between you and True Financial with respect to the Site and your use thereof, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and True Financial with respect to the Site. A printed version of these Terms and Conditions and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms and Conditions to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

 

COPYRIGHT AND TRADEMARK NOTICES

All contents of the Site are Copyright ©2015 True Financial and/or its suppliers, affiliates and partners. All rights reserved.

 

TRADEMARKS

Any rights not expressly granted herein are reserved.

The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on the Site, are registered and unregistered Trademarks of the Company and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of the Company or such third party that may own the Trademarks displayed on the Site. Your use of the Trademarks displayed on the Site, or any other content on the Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised the Company will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

Images of people or places displayed on the Site are either the property of, or used with permission by, the True Financial. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes

Notices and procedure for making claims of copyright infringement

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to True Financial Designated Agent.

ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE

ADDITONAL TERMS RELEATING TO CREDIT CARD PAYMENTS FROM THIS SITE

1. General

SEE IMPORTANT DEFINITIONS IN SECTION 2 BELOW.

a. These terms and conditions apply to all credit card payments made (whether online, by telephone, or in any other manner) to True Financial .

b. These terms and conditions also apply to Electronic Communications (whether or not in connection with a credit card payment).

c. In addition to these terms and conditions, the True Financial Privacy Policies apply to your use of any True Financial  website.

d. By making a credit card payment to True Financial  or by requesting Electronic Communications, you accept these terms and conditions.

e. True Financial  may amend these terms and conditions at any time by posting the amendment on its website at least 30 days prior to the effective date of change.

2. Definitions

As used in these terms and conditions:

a. “True Financial ,” “we,” or “us” refers collectively to Get Credit LLC
and all of its divisions, subsidiaries and affiliates.

b. “You” means you, the customer.

c. “Service” means any service provided by True Financial , such as car loan, vehicle purchase or title loan.

d. “Electronic Communications ” means any electronic billing and payment communications sent by True Financial to you or by you to True Financial , such as online access to statements and emails relating to billing or payment, disclosures, notices and other communications regarding your Service (including, without limitation, your billing statements notice of the posting of your electronic billing statements, annual privacy notices and change-interms notifications).

e. “Credit cards” includes both credit cards and debit cards.

3. Authorization

By entering your credit card information:

a. You are stating that you are an authorized user of the credit card and that the associated information entered (account holder name, account number, billing address, etc.) is accurate.

b. You authorize True Financial to charge the amount you have requested to your credit card.

c. If you set up automatic payments, then you authorize True Financial to charge the amount due for the invoice being paid to the credit card.

d. You also authorize True Financial to return to your credit card any funds due to you by True Financial  resulting from use of this Service.

4. Charges

a. For each transaction, in addition to the charge you have authorized, your credit card issuer and network may assess their customary transaction or handling charge, if any.

b. If a charge is declined or reversed by the credit card issuer or network, you agree to pay us a service charge and to reimburse us for all reasonable costs of collection. Your credit card issuer may also assess its customary charge for such transactions.

5. Dishonored Requests for Payments

a. If your credit card issuer or network does not honor an online payment transaction, then we have the right to charge the amount of any such transaction to your account or to collect the amount from you.

b. If your credit card issuer or network does not honor an online payment transaction, we may terminate any or all Service, and we may cancel your right to participate in the online payment program.

6. Confirmation of Payment

a. By clicking “Submit,” you are consenting to receive a one-time confirmation of this payment electronically to the email address you have provided to us.

b. If you set up automatic payments, then you are consenting to receive a one-time confirmation of each payment electronically to the email address you have provided to us.

7. Technical Requirements for Electronic Communications

a. In order to make credit card payments online or receive Electronic Communications, you must have access to a personal computer with a 128 bit JavaScript enabled browser, internet access and a valid email account supported by software that enables you to receive Electronic Communications. In order to store Electronic Communications on paper, you will need a printer connected to your computer. You also may store them in your offline files or in an electronic storage device. True Financial  is not required to provide paper copies of any Electronic Communication you have previously authorized.

b. You agree to provide us, and keep current, a valid email address. If any Electronic Communication is returned to us as undeliverable, you agree that we may (but are not required to) deliver such communication in paper form to the most recent mailing address you have provided for your account.

c. By authorizing a credit card payment online, or by requesting Electronic Communications, you confirm that your system meets these requirements, that you have the capability to access and download or print electronic disclosures, and that your email address is current and valid.

8. “Electronic Only” Communications

If you have authorized “Electronic Only ” communications, then the following additional terms apply:

a. You understand and agree that True Financial  may provide you with all Electronic Communications exclusively online.

b. At your request, we will provide you with paper copies of Communications that we provide you electronically.

c. You may elect to withdraw your consent to receive Electronic Communications (other than confirmation of online credit card payments) at any time by doing one of the following:

ii. by writing to us at 911 W Washington Boulevard, Los Angeles

iii. by calling us at 877 572 8783

d. If you give or withdraw consent by writing to us or calling to us, there may be a delay in implementing your request.

e. You may also contact us to request a paper copy of any Electronic Communication or if you need to update any information relating to a change in your email address so that we can continue to contact you.