In these Equity Finance Group Online Payment Terms and Conditions (the “Online Payment Terms and Conditions” or “Terms”), “you” and “your” mean each customer and collectively all customers on an Account, as defined below, and/or each user of the Website, as applicable; “we”, “us”, and “our” mean CCR Investment Group, a California corporation doing business as Equity Finance Group and “Website” means www.equityfinancegroup.com, and our mobile websites.
If you are our customer, by clicking “I Accept” and/or by paying only you agree to the Online Payment Terms and Conditions, our online Privacy Policy, and our online Terms of Use. If you are not a customer or are a customer using a platform other than our online account services, as defined below, you agree to the Online Privacy Policy and Terms of Use by use of the Website.
The Online Policies and Agreements means these Online Payment Terms and Conditions, our online Privacy Policy and/or our online Terms of Use.
Online Payment Services: You are our customer and have one or more loan agreement with us (each an “Account”, collectively, your “Accounts”) and are electing to make one or more payments on your Account(s) online through our Website and ePayment.loan as a third party payment processor for online payments (“Online Services”).
Communications Consent.
We, our agents, and service providers or any assignees of the foregoing (individually and collectively, as applicable in this Communications Consent section, we or our) may call you, leave you a voice, prerecorded or artificial voice message, or send you a text, e-mail or other electronic message for any purpose related to your Accounts, our products and services, or surveys or research (each a “Communication”). We may include your personal information in a Communication and conduct a Communication using an automated dialing machine and any contact information we have for you, including a cell phone number. We will not charge you for a Communication, but your service provider may do so.
You understand and agree to the terms of this Communication Consent section and that we may always communicate with you in any manner permissible by law that does not require your consent.
The Online Policies and Agreements also apply when you access the Website using your mobile phone, smartphone, or other mobile device (each a “Mobile Device”). We will not charge you to access the Website using a Mobile Device. However, your Mobile Device access service provider may charge you access rates and fees. To access the Website using your Mobile Device, the Website must support your Mobile Device.
Privacy Choices for Personal Family or Household Purpose Accounts.
You receive a customer Privacy Notice from us when you first become our customer and at least once a year thereafter. If your Account is for personal, family, or household purposes, you will have privacy choices regarding the use and sharing of your customer information. You may change those privacy choices in accordance with our Privacy Policy to limit our ability to share. Please refer to our Privacy Policy and the Privacy Notice we mail to you for a full explanation of the privacy choices applicable to you.
Online Payment Terms and Conditions.
General Description of Online Payment Features.
Online payment options are a service available to our customers through ePayment.loan. Except as otherwise explained in these Terms, you may select the ‘Payments’ tab located in the header of our Website to be redirected to our EFG Payment page on ePayment.loan, or you may directly access https://efg.epayment.loan, to authorize electronic payments on one or more of your Accounts (“Online Payment”). Once on this page, you will need to enter your Account number and the last four digits of your social security number to enable you to make an Online Payment. Please know that ePayment.loan charges a convenience fee of $7.00 for each Online Payment. The fee will be added to your payment amount. You do not have to pay a fee if you choose to send your payment to our office.
You acknowledge that the origination of electronic debit transactions to your bank account must comply with the provisions of United States law and the rules of the National Automated Clearinghouse. Payments made using a credit/Debit card are done by an outside vendor, and by choosing that method, you will separately agree to their terms and conditions.
Choosing the Amount and Post Date of Payments Scheduled using the Online Bank Payment feature.
Using ePayment.loan’s website, you may authorize a one-time payment in any amount from $20.00 to $2,000.00 including an amount that is more or less than the total monthly payment due under your Account.
You are responsible for complying with all of the terms and conditions of your Account, including, without limitation, your agreement to make all payments when due and in the amount required by your Account. Therefore, we recommend that when using Online Payment, you make your payments in amounts and with effective dates that will satisfy your payment obligations under your Account. If you do not make any payment when due and in the amount required by your Account, regardless of whether that payment is made using Online Payment or any other payment method, we will have the rights and remedies available under your Account or otherwise available at law or in equity. You understand and agree that when using the Online Payment feature to make a payment, any payment posted and/or scheduled after 4:30 PM Pacific Standard Time will be processed and credited to your account on the following day. All scheduled payments will be credited to your Account after the payment has been completely processed by the payment center vendor. You agree that payments submitted by you online are considered to be received by us on the next business day (excluding weekends and bank holidays), however, for accuracy of payment history, in our sole discretion we may credit your account on the day the payment is scheduled by you.
Prepayment of your Account.
You understand and agree that if you schedule a one-time payment using Online Payment, that payment will be processed even if your Account is prepaid at the time of processing or the payment results in a prepayment of your Account. You may contact our customer service at (888) 288-6617 if you need assistance in determining whether prepayment of your Account benefits you.
Insufficient Funds.
Funds must be available when an Online Payment electronic payment is processed against the source account. If a scheduled Online Payment fails because the source account contains insufficient funds to satisfy the entire amount of your scheduled payment, you are not relieved of your responsibility to timely pay any amount then due in accordance with the terms and conditions of your Account and your loan agreement.
Account Management E-mail Address.
If we elect to send an e-mail to you related to an Online Payment, the e-mails will be sent to the e-mail address you identify in your Account records. If your e-mail address changes or becomes disabled, you will notify us immediately by updating your e-mail address on your Account. You understand and agree we may send e-mails to your e-mail address whether that address includes a designation for delivery to the attention of any particular person and whether or not anyone other than you is able to access and/or read e-mails sent to your e-mail address.
E-mail Notifications.
You may receive various e-mail notifications regarding an Online Payment, such as e-mails confirming scheduled payment or confirmation of a payment. When you schedule a payment instruction, we may send you an e-mail notification confirming the scheduled payment instructions. If a scheduled payment is unsuccessful, we may send you an e-mail notification of such failed attempt. You agree to consent to receiving both such e-mail notifications and any other such related e-mail notification that contains information regarding return of payment, payment amount, payment date, and other related sensitive information.
Prohibited Conduct.
You will not use our Online Services or the Online Payment features thereof to: (a) conduct any fraudulent or illegal activity; (b) violate any statute, regulation, or other legal authority; (b) violate our trademark, service mark, copyright, or other intellectual property rights or those of any other person or company; (c) violate our other property or privacy rights or those of any other person or company; (d) interfere with or obtain unauthorized access to our computer systems or those of any other person or company; (e) impersonate our identity or that of any other person or company.
Accuracy of Information.
You represent and agree that all information you provide to us in connection with your Account or our Online Services and the Online Payment features thereof is true, correct and complete. You agree not to misrepresent your identity or your authority to view Account information or to schedule an electronic payment using Online Payment.
Termination or Limitation of our Online Services by Us:
We may terminate or suspend your our use of ePayment.loan at any time in our sole and absolute discretion.
Other Agreements You Have with Us:
These Terms will not change any of the terms and conditions of your Account. If these Terms contradict any of the terms of your Account, the terms of your Account control.
Indemnification.
You agree to indemnify and hold us and our agents, officers, employees, and affiliates harmless from any and all claims, liabilities, damages, costs, and expenses (including, without limits, reasonable attorneys’ fees and costs) caused directly or indirectly by or arising directly or indirectly out of your use of your Account or our Online Services, including any Online Payment features or your violation of any of our online Policies, Agreements, or Terms of Use. When you agree to indemnify and hold another person or company harmless, you agree to protect, defend, and pay for certain amounts. You will not be responsible for indemnifying us or holding us harmless from any claims, liabilities, damages, costs, or expenses caused solely by or solely arising out of the gross negligence or intentional misconduct of us, our agents, officers, employees, or affiliates.
DISCLAIMER OF WARRANTIES.
WE DISCLAIM ALL WARRANTIES OF ANY KIND REGARDING OUR ONLINE SERVICES AND THE ONLINE PAYMENT FEATURES THEREOF AND THE INFORMATION PROVIDED OR TO BE PROVIDED THROUGH THOSE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. WE MAKE NO GUARANTY OR PROMISE THAT ONLINE SERVICES OR THE ONLINE PAYMENT FEATURES THEREOF WILL BE UNINTERRUPTED, ON TIME, SECURE, OR WITHOUT MISTAKE OR ERROR.
LIMITATION OF LIABILITY.
YOU AGREE THAT UNDER NO CIRCUMSTANCES WE WILL NOT BE LIABLE FOR: ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES CAUSED DIRECTLY OR INDIRECTLY BY OR ARISING DIRECTLY OR INDIRECTLY OUT OF THE FOLLOWING, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, (a) THE USE OF OUR ONLINE SERVICES OR THE ONLINE PAYMENT FEATURE THEREOF; (b) THE FAILURE, INTERRUPTION, OR AVAILABILITY OF OUR ONLINE SERVICES OR THE ONLINE PAYMENT FEATURES THEROF; (c) THE TIMELINESS, ACCURACY, COMPLETENESS, MISDELIVERY, OR THE FAILURE IN DELIVERY OF ANY SERVICES OR INFORMATION, INCLUDING E-MAILS, AVAILABLE OR TO BE MADE AVAILABLE OR DELIVERED THROUGH OR AS A PART OF OUR ONLINE SERVUCES OR THE ONLINE PAYMENT FEATURES THEREOF; (d) THE UNAUTHORIZED ACCESS TO OR ALTERATION OF ANY INFORMATION, NOTICES OR OTHER COMMUNICATIONS OF OR RELATED TO OUR ONLINE SERVICES OR THE ONLINE PYAMENT FEATURES THEREOF; (e) ANY OTHER MATTER RELATED TO YOUR ONLINE SERVICES OR THE ONLINE PAYMENT FEATURES THEREOF. YOU AGREE THAT WE ARE NOT LIABLE FOR DAMAGES ARISING OUT OF OR IN CONNECTION TO ANY ACT OR OMMISSION BY YOU OR ANOTHER PERSON OR ENTITY, ANY FAILURE OR DELAY IN MAKING THE ONLINE SERVICES AVAILABLE TO YOU FOR ANY REASON AT ANY TIME, OR CONTENT OR INFORMATION ACCESSED WHILE YOU USE THE ONLINE SERVICES, OR ANY CAUSE OF ACTION RESULTING FROM YOUR USE OR ATTEMPTED USE OF THE ONLINE SERVICES IN ANY MANNER.
If any part of these Terms is not valid, then to the extent possible, that part will be interpreted according to the intent of you and us and the other parts of these Terms will remain valid. IF YOUR STATE OF RESIDENCE DOES NOT PERMIT A LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DISCLAIMERS OF CERTAIN WARRANTIES AS DESCRIBED IN THSE TERMS, THEN ALL OR A PORTION OF THOSE SECTIONS MAY NOT APPLY TO YOU.