Self Service Terms of Use

Terms of Use

Last Updated: January 7, 2019

Welcome to the Credit Corp Solutions Inc. payment portal (the “Portal”). The Portal is operated by Credit Corp Solutions Inc. (“Credit Corp”) and is accessible through Credit Corp’s website located at www.creditcorponline.com. The following terms and conditions (“Terms”) govern your use of the Portal.

By accessing, viewing, or using the content, material, products, or services available on or through the Portal (collectively, the "Services"), you certify that you have read, understand, and agree to be legally bound by these Terms and by Credit Corp’s Privacy Statement and Electronic Communications Delivery Notice, each of which is incorporated into these Terms by reference as if fully set forth herein. You further certify that you are 18 years of age or older. You understand and agree that your use of the Portal or any Services made available on or through the Portal signifies that you fully accept and agree to these Terms. If you do not agree to these Terms, you are not granted permission to use the Portal or the Services and must exit immediately.

If you have any questions concerning these Terms or wish to exercise your rights as described below, please email Credit Corp at: selfservice@creditcorponline.com.

1. License to use the Portal

Subject to these Terms, Credit Corp hereby grants you a single, limited, terminable, revocable, royalty-free, non-exclusive, nontransferable, nonsublicenseable license to access and use the Portal solely for purposes of managing your accounts and making payments. You shall be responsible, at your sole expense, for procuring, operating, and maintaining the computer system, mobile device, hardware, software, telecommunications applications and providers, and other items necessary or appropriate to enable you to exercise your rights and licenses hereunder. Without limiting any other provisions of these Terms, all software, applications, and other materials, including the Portal, made available to you are the copyrighted work of Credit Corp or its licensors. Copying or distributing the Portal or the Portal Content (as defined below) is expressly prohibited.

2. Registration

In order to access certain Services via the Portal, you may be asked to register and create an account. As part of the registration process, you may be asked to click to agree to these Terms, and may then be asked to select or submit a user name. You may also be required to provide Credit Corp with certain information about yourself, including some types of personally identifiable information. You represent that the personal information you provide to Credit Corp via the Portal is true, valid, complete, and up-to-date in all respects. Should any of the information you provide on the Portal change, please login to your account and update such information directly on the Portal. Any personal information that you provide to Credit Corp via the Portal is subject to Credit Corp’s Privacy Statement.

You are responsible for ensuring that your account login are kept secret, safe, and secure at all times. Credit Corp will not be held responsible or liable for any misuse of your account in the event that a third party has access to and uses your account login in any way.

3.  General Restrictions on Use

You agree to use the Portal and the Services only for purposes that are permitted by these Terms in compliance with all applicable laws, regulations, and generally accepted practices and guidelines in the relevant jurisdictions. You may only use the Portal and Services as authorized in these Terms and for no other purposes.

Without limiting the foregoing, you will not (and will not attempt to):

a) Access the Portal or any of the Services by any means other than through the interface that is provided by Credit Corp;

b) Gain unauthorized access to Credit Corp’s computer system or engage in any activity that interferes with the performance of, or impairs the functionality or security of the Portal, the Services, or Credit Corp’s networks and computer systems;

c) Access the Portal or any of the Services through any automated means or with any automated features or devices (including use of scripts or web crawlers, data mining, scraping, robots, spiders, or any other data gathering or extraction tools), except to the extent the Portal is indexed by general purpose consumer-accessible search engines, such as Google or Bing;

d) Reproduce, duplicate, copy, sell, trade, or resell any aspect of the Portal or the Services for any purpose, including commercial purposes

e)  Upload, post, or otherwise transmit, through the Portal, any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," "phishing," or any other form of solicitation, including the solicitation of users to become subscribers of other online information services competitive with Credit Corp;

f) Stalk, harass, impersonate, or otherwise disturb another person; or

g) Reproduce, duplicate, copy, sell, trade, or resell any products or services bearing any trademark, service mark, trade name, logo, or other signifier owned by Credit Corp in a way that is likely or intended to cause confusion about the owner or authorized user of materials.

Certain features of the Portal may be subject to further restrictions, including any features provided in connection with third party vendors. These additional terms will be made available when you first access those features.

4. Content on the Portal

As between you and Credit Corp, Credit Corp owns or licenses all information and materials (including logos, designs, titles, phrases, images, photographs, and the copyrights, trademarks, service marks, trade dress, and other intellectual property rights associated therewith) in or made available through the Portal (“Portal Content”), as well as the selection, coordination, arrangement, and organization and enhancement of the Portal Content. All Portal Content is protected pursuant to copyright, trademark, patent, and other applicable laws. You shall not remove or alter any copyright notice or any other proprietary notice on the Portal or on any Portal Content. All names, trademarks, symbols, slogans, or logos appearing on the Portal are proprietary to Credit Corp or its licensors or suppliers. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law. Under no circumstances will you have any rights of any kind in or to the Portal Content, other than the right to use the Portal Content in accordance with these Terms.

Certain features of the Portal may allow you to contribute text, images, data, and other information and materials to the Portal for access, use, viewing, and commentary by other users of the Portal (collectively, “User Content”). By posting User Content to the Portal or otherwise submitting User Content to Credit Corp, you represent that you have the full legal right to provide the User Content and that use of the User Content by Credit Corp on the Portal, and all other persons and entities, will not: (a) infringe any intellectual property rights of any person or entity or any rights of publicity, personality, or privacy of any person or entity, including as a result of your failure to obtain consent to post personally identifying or otherwise private information about a person; (b) violate any law, statute, ordinance, regulation, or agreement, or promote or provide instructional information about illegal activities, promote physical harm, or injury against any group or individual, or promote any act of cruelty to animals, including instructions on how to assemble bombs, grenades, and other weapons or how to use or obtain illegal drugs; (c) be defamatory, libelous or trade libelous, unlawfully threatening, or unlawfully harassing, or promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age; (d) impersonate any person or entity or falsely state or otherwise imply an affiliation with a person or entity, or include any falsified, composite, or otherwise non-authentic depictions of events, locations, landmarks, entities or persons; (e) contain or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (f) be obscene, child pornographic, or indecent; (g) violate any community or Internet standard; (h) constitute misappropriation of any trade secret or know-how; or (i) constitute disclosure of any confidential information owned by any third party. Upon your submission of User Content or other material or information to Credit Corp, you grant Credit Corp a worldwide, perpetual, irrevocable, transferable, license to access, use, distribute, reproduce, display, modify, create derivative works based upon, and sublicense the User Content, all without any compensation to you whatsoever solely for purpose of providing Credit Corp service. For avoidance of doubt, subject to Credit Corp’s Privacy Statement and applicable law, Credit Corp shall be under no obligation to: (1) maintain any User Content in confidence; (2) compensate you in any way for your User Content; or (3) respond to any User Content.

If you would like to request the right to reprint or re-distribute any Portal Content or other information and materials made available through the Portal, please contact Credit Corp via the methods described in the preamble to these Terms.

5. Errors, Inaccuracies, and Omissions

Occasionally there may be information on the Portal that contains typographical errors, inaccuracies, or omissions. Credit Corp reserves the right to correct any errors, inaccuracies, or omissions and to change or update information or cancel orders if any information on the Portal is inaccurate at any time without prior notice. Credit Corp cannot and will not review all communications, products, or services made available on or through the Portal. Although not obligated to do so, Credit Corp may, however, review, verify, make changes to the Portal or remove any User Content and Portal Content, with or without notice in Credit Corp’s sole discretion. 

6. Disclaimers and Warranties

Credit Corp expressly disclaims, to the fullest extent permitted by law, any express or implied warranties that the: (a) Portal, Services, Portal Content, goods, advice, information, or links provided on the Portal will meet your requirements; (b) Portal and Services will be uninterrupted, timely, secure, or free from error; and (c) defects or flaws in the operation or functionality of any software provided to you as part of the Services will be corrected. Credit Corp further disclaims any warranties or other guarantees regarding the Portal, Portal Content, goods, services, advice, information, or links provided by any third parties or users, including the User Content. No advice or information, whether oral or written, obtained by you from Credit Corp (whether through the Portal or otherwise) shall create any warranty not expressly stated in these Terms.

The technical processing and transmission of any Portal Content and User Content may involve transmissions over various networks, including in an unencrypted form, and may require changes to conform and adapt to technical requirements of connecting networks or devices. Credit Corp cannot and does not guarantee that any information sent to or from the Portal will be secure during transmission, nor can Credit Corp guarantee the confidentiality of any communication or material transmitted to Credit Corp via the Portal or the Internet in general, including, for example, personal information such as your name or address. Credit Corp assumes no responsibility for: (1) any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft, destruction, or alteration of, or unauthorized access to any communication; or (2) any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on the Portal, including any injury or damage to you or to any person’s computer or other device related to or resulting from use of the Services or the Portal.

No conditions, warranties, or other terms (including any implied terms as to satisfactory quality, fitness for purpose, or conformance with description) apply to the Portal, Portal Content, and/or Services, except to the extent that they are expressly set out in these Terms. THE PLATFORM, PLATFORM CONTENT, USER CONTENT, SERVICES, PRODUCTS, INFORMATION, AND OTHER MATERIALS ON, IN AND MADE AVAILABLE THROUGH THE PLATFORM ARE MADE AVAILABLE “AS IS” AND “WITH ALL FAULTS.” 

7. Limitation of Liability

IN NO EVENT WILL CREDIT CORP BE LIABLE FOR DAMAGES OTHER THAN ACTUAL AND DIRECT DAMAGES PROVEN IN A COURT OF LAW. IN NO EVENT SHALL CREDIT CORP’S LIABILITY EXCEED THE PRICE YOU PAID FOR THE SERVICE THAT IS THE SUBJECT OF THE CLAIM. IF ANY PART OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE TOTAL LIABILITY OF CREDIT CORP AND ITS LICENSORS SHALL NOT EXCEED TEN DOLLARS.

Without limiting the foregoing, you understand and acknowledge that Credit Corp shall not be liable to you for:

a) Any indirect, incidental, consequential, punitive or exemplary losses which may be incurred by you arising out of your use of, or inability to use, the Portal or the Services, including any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation, or any loss of data suffered by you; or

b) Any loss or damage which may be incurred by you as a result of: (1) any reliance placed by you on the completeness, accuracy, or existence of any information or materials made available through the Portal, including any advertising; (2) any relationship or transaction between you and any advertiser or sponsor whose advertising appears on the Portal or the Services; (3) any changes that Credit Corp may make to the Portal or Services, or for any permanent or temporary cessation in the provision of the Services (or any features within the Services); (4) the deletion of, corruption of, unauthorized access to, or failure to store, any content and other communications data maintained or transmitted by or through your use of the Portal or the Services; (5) the use of any products or services obtained on or through the Portal; or (6) any other matter relating to the Portal, the Services, the Portal Content, or the User Content.

The limitations on Credit Corp’s liability to you in this Section 7 shall apply whether or not Credit Corp has been advised of or should have been aware of the possibility of any such losses arising.

IF YOU ARE DISSATISFIED WITH THE PLATFORM, THE SERVICES, OR THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE PLATFORM AND SERVICES. 

8. Exceptions to Limitations and Exclusions of Liability.

Please note that some jurisdictions, including New Jersey, do not permit some of the limitations or exclusions of liability set forth in the Disclaimer of Warranties and Limitations of Liability sections above, including limitations of warranties for consumer products and services. Accordingly, some of the foregoing exclusions may not apply to you. We encourage you to consult a local attorney for legal counsel on these issues. If any of the limitations or exclusions of liability set forth in these Terms of Use is deemed invalid or unenforceable for any reason, then the limitation or exclusion shall apply to the greatest extent permitted by applicable law. 

9. Links To and Features Provided by Third Parties

The Portal may contain links to other websites or feature services of third parties for the convenience of users: (a) in locating information, products, or services that may be of interest; or (b) with performing or receiving the Services, and complying with any requirements associated with such transactions. These third party websites and services may be available on the Portal via a link, redirect, plug-in, integrated application, or other technology, and may be recognized automatically by your browser.

In order to utilize some aspects of the Portal and Services, you may have to use, accept, install, and review information, data, executables, programs, software, and other items from Credit Corp’s third party service providers, suppliers, and licensors. To the extent applicable, these Terms shall apply, but please be aware that Credit Corp has no control over these third parties, and that these Terms may not apply to such links and services. Credit Corp does not recommend and expressly disclaims any responsibility for the content, the accuracy of the information, or quality of products or services provided by or advertised on third party websites or the transactions you conduct or enter into with third parties. Your use of any third party websites or services is at your own risk, and subject to the terms and conditions of such third parties. Credit Corp encourages you to read the privacy policies and terms of use linked or referenced in the websites you enter.

10. Infringement Complaint Procedures

If you believe that any content or postings on the Portal violates your intellectual property or other rights, please notify Credit Corp (via the methods described in the preamble to these Terms) with a comprehensive detailed message setting forth the following information: (a) your name and the name of your company, if any; (b) your contact information, including your email address; (c) the nature and substance of your complaint, the specific rights at issue, and your basis for making the complaint, including the content or posting that is objectionable; and (d) the following statement: “The statements, representations, and assertions made in this message are true, complete, and accurate and I have the full legal authority to make each and every such statement, representation, and assertion and to make and be granted any demand made in this message.”

11. Dispute Resolution and Arbitration Agreement

If a dispute arises, we strongly encourage you to first contact our customer care team at customercare@creditcorponline.com.  We value our relationships with our users and will try to resolve your claims informally and quickly.

Any dispute arising out of these Terms shall be resolved exclusively through final and binding arbitration conducted by the American Arbitration Association (the “AAA”). Arbitration uses a neutral arbitrator instead of a judge or jury, and court review of an arbitration award is very limited. However, an arbitrator can award the same damages and relief on an individual basis that a court can award to an individual; and an arbitrator must also follow the terms of these Terms, as a court would. All issues are for the arbitrator to decide, except that issues relating to arbitrability and the scope or enforceability of this agreement to arbitrate shall be for a court of competent jurisdiction to decide. Arbitration shall take place in New York, NY, unless Credit Corp elects otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of New York.  The arbitrator shall not be bound by rulings in prior arbitrations involving different Credit Corp users, but is bound by rulings in prior arbitrations involving the same Credit Corp user to the extent required by applicable law. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, Credit Corp will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by Credit Corp should be submitted by mail to the AAA along with your demand for arbitration and Credit Corp will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, Credit Corp will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the costs of accessing arbitration from being prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse Credit Corp for all fees associated with the arbitration paid by Credit Corp on your behalf that you otherwise would be obligated to pay under the AAA’s rules. If an arbitrator or court decides that any part of this agreement to arbitrate is invalid or unenforceable, the other parts of this agreement to arbitrate shall still apply.

You can choose to reject this agreement to arbitrate by mailing Credit Corp a written opt-out notice (“Opt-Out Notice”). The Opt-Out Notice must be postmarked no later than thirty days after the date you accept these Terms for the first time. You must complete the Opt-Out Notice form by providing the information called for in the form, including your name, address (including street number and address, city, state, and zip code), phone number, and the email address used to log in to the Credit Corp account to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the agreement to arbitrate. If you opt out of the agreement to arbitrate, all other parts of these Terms will continue to apply. Opting out of this agreement to arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with Credit Corp.

12. Operation of the Portal and United States Law

Without limiting anything else, Credit Corp makes no representation that the Portal, Portal Content, User Content, services, products, information, or other materials available on, in, or through the Portal is appropriate or available for use outside the United States, and access to them from territories where they are illegal is prohibited. Those who choose to access the Portal from outside the United States do so on their own will and are responsible for compliance with applicable laws.

The Portal may only be used in compliance with applicable statutes or regulations relating to the export control laws and regulations of the United States, and any amendment thereof. The Portal, the Portal Content, and all underlying information and technology licensed hereunder shall not be accessed, downloaded, used, possessed, or otherwise exported or re-exported to (or to a national or resident of) any country outside of the United States without first complying strictly and fully with all export controls and other applicable laws that may be imposed by the United States Government or any country or organization of nations within whose jurisdiction you use the Portal, the Portal Content, or any underlying information or technology.

13. Miscellaneous

These Terms, including the Privacy Statement, constitute the entire legal agreement between you and Credit Corp regarding the Portal and govern your use of the Portal, Services, and any transactions you may have with Credit Corp through the Portal. These Terms completely replace and supersedes any prior agreement or understanding, arrangement, undertaking, or proposal, written or oral, between you and Credit Corp regarding these matters. In the event any other rule, code of conduct, or other matter posted on the Portal conflicts with the terms of these Terms, these Terms shall govern. No oral explanation or oral information given by any party shall alter the interpretation of these Terms.

You understand that Credit Corp may make changes to these Terms from time to time. Your continued use of the Portal following the posting of changes to these Terms will be considered your consent to those changes. When these changes are made, Credit Corp will make a new copy of the Terms available on the Portal. You agree that Credit Corp is under no obligation to provide you with notices regarding changes to these Terms. You understand that it is your responsibility to check the Terms regularly for changes.

You agree that any failure or delay of Credit Corp to exercise or enforce any legal right or remedy contained in or made available by these Terms (or that Credit Corp has the benefit of under any applicable law) will not be taken to be a formal waiver of Credit Corp’s rights and that those rights or remedies will still be available to Credit Corp. If any court of law, having the jurisdiction to decide a matter arising out of these Terms, rules that any provision of these Terms is invalid, then that provision will be removed from these Terms without affecting the rest of the Terms and the remaining provisions will continue to be valid and enforceable.

PAYMENT TERMS AND CONDITIONS

I AGREE TO THE TERMS AND CONDITIONS OF USING THE PAYMENT METHOD SELECTED, LISTED BELOW, AND AUTHORIZE CREDIT CORP SOLUTIONS INC. (OR ITS AGENT) TO PROCESS THE PAYMENTS MADE ON www.creditcorponline.com.

PAYMENT DOES NOT ALTER THE 30 DAY PERIOD IN WHICH YOU HAVE THE RIGHT TO EXERCISE ALL RIGHTS NOTED IN THE ORIGINAL VALIDATION LETTER THAT WE PREVIOUSLY SENT YOU.

Welcome to the Payment Terms and Conditions (the "Terms and Conditions") for use of the Online Payment Portal for Credit Corp Solutions Inc., and its parent, subsidiaries and affiliates (hereinafter collectively "Credit Corp"). The Terms and Conditions are applicable to all payments made on this website and other Credit Corp websites.

If you choose to use www.creditcorponline.com. website to make a payment, you accept and agree to these Terms and Conditions, as well as to the Terms of Use into which these Terms and Conditions are incorporated, and our Privacy Statement, and Electronic Communications Delivery Policy.

1  SCOPE OF TERMS AND CONDITIONS.  These Terms and Conditions cover your participation in the Online Payment Portal offered by Credit Corp (the "Portal"). In these Terms and Conditions, the words "you" and "your" refer to the user of the Credit Corp website(s) and Online Payment Portal. The words "we", "our" and "us" refer to Credit Corp (or its agents). The words "bank account" refers to the account held by a bank, securities firm or other financial institution from which payment will be made when you make transactions through the Portal. The words "your bank" means the bank, securities firm or other financial institution that holds your account and/or issued your credit or debit card. Using the Portal will enable you to pay your Credit Corp account(s) online. Credit Corp, in its sole discretion, may refuse this payment option service, and specific payment methods, to anyone or any user without notice for any reason at any time.

2  PAYMENT AUTHORIZATION (INCLUDING AUTOMATIC PAYMENTS).  To use the Portal, including automatic payments (if eligible), you must designate a valid major credit card, debit card, check, or electronic check ("Payment Method"). Each time you initiate a transaction(s), you authorize us or our agent to draw a check or draft, initiate an automated clearing house (ACH) debit, and/or charge your Payment Method, in your name to the bank account you specify, payable to us or to our agent, in the amount of the transaction, on the date(s) specified ("Billing Date") of the month(s) of payment according to the schedule (one-time or recurring) that you have affirmatively elected to enroll in for your Credit Corp account. Your transaction must be payable in U.S. dollars.  By paying using your designated Payment Method, you agree that: (a) you have read, understand and agree to these Terms and Conditions, and that this agreement constitutes a "writing signed by you" under any applicable law or regulation, (b) you consent to the electronic delivery of the disclosures contained in these Terms and Conditions, (c) you authorize Credit Corp (or its agent) to make any inquiries we consider necessary to validate any dispute involving your payment, which may include ordering a credit report and performing other credit checks or verifying the information you provide against third party databases, (d) you authorize Credit Corp (or its agent) to initiate one or more drafts or ACH debit entries (withdrawals) or the creation of an equivalent bank draft for the specified amount(s) from your bank account, and (e) you authorize the financial institution that holds your bank account to deduct such payments, debit your debit card, and/or charge your credit card, and to initiate any debit or credit entries to your bank account in the amount of such payments or corrections.

3  CURRENT INFORMATION. It is your responsibility to make sure that your Payment Method information and contact information are current at all times during the term of the Payment Plan.

4  PAYMENT PROCESSING FOR ONLINE PAYMENTS.  With limited exceptions, payments made through the Portal will be processed within 24 hours of receipt. Payments made through the Portal at or before 2:00 pm PST will be credited to your account the same day. Payments made after 2:00 pm PST may be credited to your account the following business day. You are solely responsible for making payments sufficiently available prior to the due date, and you are solely responsible for actions taken on your account resulting from a late payment.

5  TURNING OFF AUTOMATIC PAYMENTS OR VOIDING YOUR PLAN.  To cancel automatic payments on your payment plan, please contact us directly at (800)-483-2361.  Such cancellation or termination shall be effective at the time of cancellation or termination. To cancel, change, or modify your payments or plan, please call or log-on at least three (3) Business Days before the Billing Date, unless otherwise permitted under applicable law, or your Payment may be debited and/or charged for the then due Payment. If you have entered into an agreement on a pending civil action regarding the underlying debt or a court has approved your payment plan and it, or the agreement itself, requires additional actions by either party in the event of your non-payment or default, then your cancellation of online automatic payments will be honored. However, this may not affect your legal rights or your obligations to pay as agreed. "Business Day" means Monday through Friday, excluding official U.S. government holidays and official Credit Corp corporate holidays.

To Void your plan.

By Phone:

Call us at (800)-483-2361

6  CUSTOMER SERVICE. Transactions that we process using your Payment Method, will be identified as "Credit Corp Solutions Inc." (or similar identifier) on the statement issued by your bank or other financial institution holding your account. All questions relating to any transactions made using your bank account by us should be initially directed to us. Save the payment confirmation that you are provided when you make a payment, and check them against your applicable account statement. You may contact us regarding any payments made using your bank account or other method by writing to us at Credit Corp Solutions, Inc 63 East 11400 South 408 Sandy, UT 84070. You may also view your transaction history for your payment at any time in the Account Details screen.

  1.   TRANSACTION ERRORS AND ADVISABILITY OF PROMPT REPORTING.  If you believe that any payment transaction initiated by Credit Corp (or its agent) with respect to your bank account is erroneous, or if you need more information about any such transaction, you should contact us as soon as possible as provided in Section 7 of these Terms and Conditions. Notify us at once if you believe the password associated with your account has been lost or stolen, or if someone has attempted (or may attempt) to make a transfer from your bank account to complete a payment using your Credit Corp account without your permission. We reserve the right to cancel the ability to pay using the Portal for any reason at any time. You also should contact your bank for the Payment Method.

8  OUR LIABILITY FOR IMPROPER TRANSACTIONS OR PAYMENTS. Federal law limits your liability for any fraudulent, erroneous unauthorized transaction from your bank account based on how quickly you report it to your financial institution. As general rule, you should report any fraudulent, erroneous or unauthorized transactions to your bank within 60 days after the questionable transaction FIRST appeared on your bank account statement. You should contact your bank for more information about the policies and procedures that apply to your account and any unauthorized transactions, including any limits on your liability. We will not be liable to you in the following instances:

  •               If, through no fault of ours, your account does not contain enough money to complete the transaction;
  •               If the funds in your account are subject to legal process or other encumbrance restricting the transaction; or
  •               If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.

9  CONSENT TO ELECTRONIC COMMUNICATION: Our policy regarding how Credit Corp communicates with you electronically can be found here: Electronic Communications Delivery Policy. You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures that we provide in connection with your account and your use of the Services, as described in our Electronic Communications Delivery Policy.  You will be considered to have received a communication from us, if it’s delivered electronically, 24 hours after the time we post it to the Portal or email it to you. 

10. TERMINATION:  Credit Corp, in its sole discretion, may refuse this payment option service to anyone or any user without notice for any reason at any time. You may terminate your participation in the Portal, but you must do so by writing to us at the address disclosed in the Section of these Terms and Conditions entitled "Customer Service." For automatic payments, see the section of these Terms and Conditions entitled "Cancellation of Automatic Payments." If you close your account, you agree to notify us first and to stop initiating transactions, and pay all agreed upon payments.

11  PRIOR AGREEMENTS AND ASSIGNMENTS  :These Terms and Conditions terminate and take the place of all prior agreements you may have with us relating to the Portal. We have the right to assign these Terms and Conditions to a subsidiary or affiliate company at any time.

12  NOTE FOR MASSACHUSETTS RESIDENTS

GENERAL DISCLOSURE STATEMENT: Any documentation provided to you which indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.

The initiation by you of certain electronic funds transfers from your account will, except as otherwise provided in this Terms and Conditions, effectively eliminate your ability to stop payment of the transfer.

UNLESS OTHERWISE PROVIDED IN THIS TERMS AND CONDITIONS, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS; THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PAYMENTS UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT.

13  TERMS AND CONDITIONS CHANGES: We may in our discretion change these Terms and CONDITIONS at any time without notice to you. If any change is found to be invalid, void, or for any reason unenforceable, that change is severable and does not affect the validity and enforceability of any other changes or the remainder of these Terms and Conditions. We reserve the right to subcontract any of our rights or obligations under these Terms and Conditions.

YOUR CONTINUED USE OF YOUR BANK ACCOUNT AS A PAYMENT METHOD ON www.creditcorponline.com. AFTER WE CHANGE THESE TERMS AND CONDITIONS, OUR TERMS OF USE, AND/OR OUR PRIVACY STATEMENT CONSTITUTES YOUR ACCEPTANCE OF THESE CHANGES.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.