Website Usage Terms and Conditions Agreement
IMPORTANT DISCLAIMER AND LEGAL INFORMATION
Tower Loan does not represent or endorse the accuracy or reliability of any of the information, content or advertisements (collectively, the "Materials") contained on, distributed through, or linked, downloaded or accessed from any of the services contained on this website (the "Service"), nor the quality of any products, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Service. You hereby acknowledge that any reliance upon any Materials shall be at your sole risk. Tower Loan reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in any portion of the Service or the Materials. We use our best efforts to include up-to date and accurate information on this website
THE SERVICE AND THE MATERIALS ARE PROVIDED BY TOWER LOAN ON AN "AS IS" BASIS, AND TOWER LOAN EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY MATERIALS AND PRODUCTS. IN NO EVENT SHALL TOWER LOAN BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE, THE MATERIALS AND THE PRODUCTS.
Tower Loan encourages you to exercise discretion while browsing the Internet using this website. Tower Loan makes no representations concerning any endeavor to review the content of any website sites listed in the website or any of the Materials, and so Tower Loan isn't responsible for the accuracy, copyright compliance, legality or decency of material contained in sites listed in the website links or in the Materials. Tower Loan respects the rights (including the intellectual property rights) of others, and we ask our users to do the same.
TEXT MESSAGE POLICY
By providing your cell phone number, you have provided Tower Loan with consent to send you text messages in conjunction with the services you have requested.
Message frequency varies by account/preference. Message and data rates may apply.
To opt-out, text STOP to 23966. An opt-out confirmation message will be sent back to you.
To request support, text HELP to 23966 or email us at firstname.lastname@example.org.
MMS- If your phone doesn’t support MMS, you’ll receive SMS instead.
This program is supported by Alltel, AT&T, Boost, Sprint, Verizon Wireless, Virgin Mobile, MetroPCS, T-Mobile and U.S. Cellular. Carriers are not liable for delayed or undeliverable messages. Products & Services are compatible with AT&T handsets.
Tower Loan, the Tower Loan logo, the phrase “Tower Loan is the place that says Yes!”, the Tower Loan design, and other Tower Loan logos and product and service names are trademarks of Tower Loan.
TOWER LOAN LENDING AREAS
Because consumer finance laws vary from state to state, not all of the products or services described on the website are available in all geographic areas. You may not be eligible for all the products or services described. Loan eligibility is determined according to our loan underwriting policies. Tower Loan reserves the right to determine the eligibility for any product or service. Additionally, Tower Loan is licensed to lend in the states of Alabama, Illinois, Louisiana, Mississippi, Texas and Missouri. Any loan inquiries found to be outside of the Tower Loan lending area will not be processed.
PATRIOT ACT DISCLOSURE - IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you
: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Arbitration; Governing Law; Dispute Forum:
If you obtain a loan through us, you expressly consent and agree that we and any of our agents, third-party services, service providers or assignees (hereinafter “Lender’) may call you, using an automatic telephone dialing system or otherwise, leave you a voice, prerecorded, automated or artificial voice message, or send you a text or e-mail for any purpose, including, but not limited to, 1) related to the servicing or collection of any loan that you have with us, 2) for information purposes related to your loan(s) or 3) for solicitation, advertising or purchasing of any property, goods or services (each a “Communication”). You agree that for any Communication Lender may call or text you at any telephone number provided to Lender by you or anyone associated with you or acting on your behalf including, but not limited to, phone numbers and cell phone numbers associated with your loan provided to Lender now or in the future. Further Lender may send an e-mail to any email address that you provide to us now or in the future. You agree and acknowledge that these Communications aren’t unsolicited for purposes of any state or federal law and that your service provider may charge you for such Communications. Additionally, you agree that Lender may always communicate with you in any manner permissible by law, including for purposes of debt collection. You understand that your consent to receive advertisement or telemarketing emails, texts and calls is voluntary, revocable by you, and is not required as a condition of your obtaining this loan. If you do not want to receive text messages about your loan sent using an automatic telephone dialing system, you can withdraw consent by following the opt-out procedures in the text message.
CONSENT TO RECEIVE COMMUNICATIONS:
Any controversy or claim arising out of or relating to this website, or your use thereof, including issues of privacy, if they cannot be settled through good faith negotiation between the parties, shall be settled by Arbitration administered under the rules of the Federal Arbitration Act and judgment on the award rendered by the arbitrators (s) may be entered in any court having jurisdiction thereof. By using this website, you agree to waive your right to a jury trial of any disputes, including those relating to privacy. You agree that your use of this site shall be governed and any disputes, including those relating to privacy, shall be governed by the laws of the State of Mississippi. You further agree that jurisdiction and venue shall be located, and any arbitration shall be held, in Rankin County, Mississippi.
For loans obtained online, you agree that the terms of the loan shall be governed by the Online Service E-Sign and UETA Disclosure and Consent Agreement and the terms contained in the loan agreement. In the event any conflict arises between the Website Usage Agreement and the Online Service E-Sign and UETA Disclosure and Consent Agreement or the terms contained in any loan agreement, the terms contained in Online Service E-Sign and UETA Disclosure and Consent Agreement and the loan agreement shall take priority.