America's Financial Choice

Phone : 866-298-2732

Online Privacy Policy
 
FACTS WHAT DOES America’s Financial Choice, Inc. (AFC) DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • account balances and transaction history
  • credit history and payment history
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons AFC chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does AFC share? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO
For our marketing purposes— to offer our products and services to you YES NO
For joint marketing with other financial companies NO We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences NO We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness NO We don’t share
For nonaffiliates to market to you NO We don’t share
 
Questions? Call 866-298-2732 or go to www.afchoice.com
 
Who is providing this notice? America’s Financial Choice, Inc. (AFC)
 
What we do
How does AFC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does AFC collect my personal information? We collect your personal information, for example, when you
  • apply for a loan or give us your contact information
  • pay us by check or give us your income information
  • provide employment information
We also collect your personal information from others, such as credit bureaus or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
 
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. AMERICA’S FINANCIAL CHOICE, INC. has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. AMERICA’S FINANCIAL CHOICE, INC. does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. AMERICA’S FINANCIAL CHOICE, INC. doesn’t jointly market.
 
Other important information
 

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE. THEY GOVERN YOUR USE OF THE SITE. IF YOU DO NOT AGREE TO THE TERMS STATED BELOW, YOU MAY NOT USE THE SITE.

America’s Financial Choice, Inc. (“America’s Financial Choice”) provides this website (“Site”) as a service for our customers. The following terms and conditions of use (“Terms”) set forth the terms, conditions and rules that govern your use of this Site.

1. Use of Site.

Your use of this Site constitutes your knowledge, understanding, and acceptance of the Terms, and your agreement to be bound by the Terms. America’s Financial Choice may change, edit, modify, delete, revise, or update the Terms from time to time, without notice, and your use of this Site after any changes, edits, modifications, deletions, revisions, or updates are posted to the Site constitutes your agreement to comply with the posted Terms. Access to and use of this Site are solely for your purchase of America’s Financial Choice products or services for personal use, information, education, and communication with America’s Financial Choice. In addition to other prohibitions as set forth in the Terms, you are prohibited from using the Site or its Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of this Site, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of this Site, other websites, or the Internet. We reserve the right to terminate your use of the Site, or take other corrective action for violating any of the prohibited uses.

2. Intellectual Property.

The trademarks, trade names, trade dress, logos, and service marks (collectively, the “Trademarks”) displayed on this Site are the registered and/or unregistered Trademarks of America’s Financial Choice or such third parties that may own the displayed Trademarks. Nothing contained on this Site or in the Terms serves to grant to you, by implication or otherwise, any license or right to use any Trademarks displayed on this Site without the written permission of America’s Financial Choice or such third party that may own the displayed Trademarks. The Trademarks, text, logos, images, graphics, photos, video files, application functionality, or any other digital media, and their arrangement on this Site (collectively, the “Content”) are all subject to patent, copyright, trademark, unfair competition and other applicable intellectual property protection. Without our express written permission, Content may not be copied for any public or commercial use or distribution or modified, processed, or reposted to other websites. You may download, copy or print the Content of this Site for your personal non-commercial use only, however no right, title or interest in any of the Content of this Site is transferred to you as a result of any such downloading, copying, printing or use of this Site.

3. License to User Comments and Submissions.

This Site may provide you with the opportunity to submit comments (each a “Submission” and collectively the “Submissions”). By submitting items to this Site, you represent that you own or have unencumbered, transferable rights and permissions, including, without limitation, the right of publicity to the Submissions that you submit. If you make a Submission to this Site, you automatically grant America’s Financial Choice a perpetual, worldwide, unlimited, irrevocable, transferable, assignable, royalty-free license for America’s Financial Choice to use that Submission for any lawful purpose whatsoever, including, without limitation, the right to sub-license that Submission to third parties for their lawful uses and purposes. Subject to existing laws, you waive any moral rights that you or your licensors may have in any Submission. The posting of those Submissions does not constitute America’s Financial Choice’s endorsement of those Submissions. America’s Financial Choice is not responsible or liable for any claim in connection with Submissions.

4. Third-Party Links.

Third-party links on this Site may direct you to other websites that are not affiliated with America’s Financial Choice. Further, those websites and the products and services sold on those websites may be subject to additional or separate legal, regulatory, or product and service requirements. America’s Financial Choice is not liable for the content, privacy policies, or any harm or damages related to the purchase of goods, services, resources, content, or a ny other transactions (“Third-Party Products”) made in connection with any third-party websites. Please review carefully the third party’s policies and practices and make sure you understand them before you engage in any transaction. The existence of such third-party links should not be considered an endorsement or recommendation of those sites or of any Third-Party Products or of any party that is associated with those sites. Complaints, claims, concerns, or questions regarding Third-Party Products should be directed to the third party.

5. Registration, Accounts and Passwords.

You are responsible for the personal protection and security of any password or username that you may use to access this Site. You are responsible for all direct or indirect damages and liable for all activity conducted on this Site that can be linked or traced back to your username or password. You are obligated to immediately report a lost or stolen password or username to America’s Financial Choice.

6. Site Updates.

America’s Financial Choice undertakes no obligation to update, amend or clarify information on this Site, including, without limitation, pricing information, except as required by law. No specified update or refresh date applied on this Site should be taken to indicate that all information on the Site has been modified or updated. Please remember when reviewing information on this Site that such information may not represent the complete information available on a subject. In addition, subsequent events or changes in circumstances may cause existing information on this Site to become inaccurate or incomplete. On occasion, information on this Site may contain errors, including, without limitation, typographical errors, inaccuracies, or omissions related to product and service availability, special offers, product promotions, pricing information, product descriptions, or product delivery times. America’s Financial Choice reserves the right to, at any time without prior notice, correct any errors, inaccuracies or omissions and to change or update information if any information on the Site is inaccurate (including after you have submitted your loan application, if applicable).

7. Product And Service Regulation, and Pricing Information.

This Site, Content, product information, and any products sold through the Site are intended to comply with United States and particular state laws and regulations. If you are a non-U.S. based user, be advised that other countries may have laws, regulatory requirements, and lending requirements that are different than those in both the United States, and individual states. By using this Site, you represent that you have consulted your applicable local laws that may apply to products and services offered via this Site.

America’s Financial Choice reserves the right, but is not obligated, to limit the sales of its products or services to any person, geographic region or jurisdiction. We may exercise this right on a case-by- case basis. All descriptions of products and services and pricing are subject to change at any time without notice at the sole discretion of America’s Financial Choice. America’s Financial Choice reserves the right to discontinue any loan product or service at any time. Any offer for any product or service made on this Site is void where prohibited.

8. Termination.

The Terms will remain in effect until you notify us that you no longer wish to use the Site, or you cease using the Site. Notwithstanding anything in this Terms to the contrary, the parties understand and agree that all terms and conditions of the Terms that may require continued performance, compliance, or effect beyond the termination date of this Terms will survive termination of the Terms and will be enforceable by the parties America’s Financial Choice may also terminate the Terms at any time and may do so immediately without notice and, accordingly, deny you access to this Site, if, in America’s Financial Choice’s sole discretion, you fail to comply with any term or provision of the Terms.

9. Choice of Law and Forum.

These Terms will be governed and construed in accordance with the laws of the State of Illinois, without regard to its conflicts of law rules. For all disputes arising out of or relating to this Site or Terms, you submit to exclusive personal jurisdiction and venue of the state and federal courts located in Cook County, Illinois and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.

10. E-Sign Disclosure and Consent Notice

When you visit this Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically and acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and America’s Financial Choice both intend that such act apply to the fullest extent possible to validate America’s Financial Choice’s ability to conduct business with you by electronic means. We will communicate with you by e-mail or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. By using America’s Financial Choice electronic and online services (“Electronic Services”) you hereby consent to this notice and affirm that you have access to the hardware and software requirements identified below. In addition, you must review and accept the Terms. If you choose not to consent to this notice or you withdraw your consent, you will be restricted from using Electronic Services. Covered communications includes all disclosures and communications that America’s Financial Choice provides to you regarding our services (collectively, “Communications”). America’s Financial Choice may provide Communications to you by email or by making them accessible on the Site, mobile applications, or mobile websites (including via “hyperlinks” provided online and in e-mails). Communications will be provided online and viewable using browser software or PDF files. To access and retain electronic Communications, you must have: (a) a valid email address; (b) a computer, mobile, tablet or similar device with internet access and current browser software and computer software that is capable of receiving, accessing, displaying, and either printing or storing Communications received from America’s Financial Choice in electronic form; and (c) sufficient storage space to save Communications (whether presented online, in e-mails or PDF) or the ability to print Communications. America’s Financial Choice may request that you respond to an email to demonstrate you are able to receive these Communications. You may withdraw your consent to receive Communications under this notice by writing to us at “America’s Financial Choice, Inc., 2 Madison Street, 2nd Floor, Oak Park, Illinois 60302, Attention: E-Sign Disclosure and Consent Notice” or by contacting us via our Webmaster. Your withdrawal of consent will cancel your agreement to receive electronic Communications, and therefore, your ability to use our Electronic Services. You may request a paper copy of any Communications (provided that such request is made no later than 2 years after America’s Financial Choice first provides such Communications to you) and America’s Financial Choice will mail you a copy via U.S. Mail. To request a paper copy, contact us by writing to “ America’s Financial Choice, Inc., 2 Madison Street, 2nd Floor, Oak Park, Illinois 60302, Attention: E-Sign Disclosure and Consent Notice “ or by contacting us via our Webmaster. Please provide your current mailing address so we can process this request. America’s Financial Choice may charge you a reasonable fee for this service. It is your responsibility to keep your primary email address current so that America’s Financial Choice can communicate with you electronically. You understand and agree that if America’s Financial Choice sends you a Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, America’s Financial Choice will be deemed to have provided the Communication to you, however America’s Financial Choice may deem your account inactive. You may not be able to transact using our Site until America’s Financial Choice receives a valid, working primary email address from you. If you use a spam filter or similar software that blocks or re-routes emails from senders not listed in your email address book, America’s Financial Choice recommends that you add America’s Financial Choice to your email address book so that you can receive Communications by e-mail. You can update your primary email address or other information by writing to us at “America’s Financial Choice, Inc., 2 Madison Street, 2nd Floor, Oak Park, Illinois 60302, Attention: E-Sign Disclosure and Consent Notice” or by contacting us via our Webmaster. America’s Financial Choice reserves the right, in its sole discretion, to discontinue the provision of your Communications, or to terminate or change the terms and conditions on which America’s Financial Choice provides Communications. America’s Financial Choice will provide you with notice of any such termination or change as required by law. America’s Financial Choice is not liable for any loss or damage arising from (i) your failure to access, download, save or print Communications; (ii) problems or technical failures with your equipment, and (iii) any errors or delays in electronic communication or transmission lines that are beyond America’s Financial Choice’s reasonable control.

11. Online Privacy Statement.

America’s Financial Choice is committed to protecting the privacy of the visitors to this Site. This Online Privacy Statement describes how America’s Financial Choice treats information that it collects or receives from you through this website and other America’s Financial Choice websites, online locations, social media and mobile apps (collectively, the “Sites”), offline interactions and third parties. For visitors to this Site and customers of America’s Financial Choice, we will use and share any information that we collect from or about you in accordance with our Consumer Privacy Policy "(See other tab)". Your use of the Site constitutes acknowledgement and agreement with our Online Privacy Statement.

11.1 Acceptance of Online Privacy Statement

Each time you access, use or browse the Sites or interact with America’s Financial Choice, or click on America’s Financial Choice’s digital advertisements that may appear on third party sites or apps, you signify your acceptance of the then-current Online Privacy Statement. If you do not accept this Online Privacy Statement, please do not provide information to America’s Financial Choice, access, use or browse the Sites, interact with America’s Financial Choice, or click on America’s Financial Choice’s digital advertisements.

Should the Online Privacy Statement be revised, America’s Financial Choice will post the changes on the Sites and the new Online Privacy Statement will be effective immediately upon posting. Any material changes in the manner that we use personally identifiable information will apply only to information collected after posting of the revised Online Privacy Statement, unless we provide notice or have other communications with you. You can determine when the Online Privacy Statement was last revised by referring to the “Last Revised” legend at the bottom of this page.

11.2 Information that America’s Financial Choice collects when you visit the Site

We collect personally identifiable information, including, without limitation, non-public personal information, as well as other types of personally identifiable information from you and from other sources. The reason for collecting personal information is to provide better financial products and services. Personal information also helps us personalize and improve your experience on our Site. We collect personal information included in applications, registration forms or surveys submitted through the Site, including, without limitation, name, address, telephone number, social security number, driver’s license number, email address, employment information, military status, demographic information, bank account information, and information about your assets, debts and income; credit balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us; third party information, consumer credit reports; and information obtained from your web browser (home server domain names, IP address, type of clientcomputer, and type of web browser)(collectively, “Personal Information”). At other times, America’s Financial Choice may collect information that cannot be used to identify you. For example, we may aggregate non-personal information about you and other customers who visit our Site. Aggregated information will not contain any information that can be linked directly back to you. Such information will be used to analyze the effectiveness of our business and advertising models. In order to provide you with effective services, we may collect personal and non-personal information about you from our business partners, service providers, and other third parties. For example, we may obtain information about your home, the services that you purchased for your home, or other demographic information.

11.3 How America’s Financial Choice collects information from visitors to the Site

America’s Financial Choice uses a number of tools to collect information about you, your computer, and the web browser that you use to connect to our Site. For example, cookies are tiny text files that we place on your computer’s hard drive when you visit our Site. We use cookies to personalize your Site experience. We collect information on the pages that you visit, the advertisements that you click, and other actions that you take while using our Site. You do not have to accept our cookies and you may delete them after they have been placed on your hard drive. If you do not accept or delete our cookies, some areas of our website that you access may not function properly. America’s Financial Choice also collects additional information from your web browser each time you visit our Site. This information includes your IP address, the type of browser, the time that your browser was used to access our Site, the content from our cookies, and the referring website address. We may also use other standard web-based technologies to analyze your movements while accessing our Site. The technologies include, web “beacons,” “pixel tags,” and “clear gifs.” These technologies help us ascertain the effectiveness of our advertising campaigns, allow us to customize the services offered on our Site, and help determine the best use for content and programming. Some of this information, including the IP address that we obtain from your browser, is stored on our server logs, and may be available for extended periods of time.

Now or in the future, the Sites may use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies and other Collection Technology to collect and store anonymous information about you, which may include non-personally identifiable information. You can read Google Analytics’ privacy policy at http://www.google.com/analytics/learn/privacy.html and Google Analytics Terms of Use at http://www.google.com/analytics/tos.html. The Sites may use certain features of Google Analytics based on DisplayAdvertising, such as:

You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads by changing the ad settings at:

https://www.google.com/settings/ads?hl=en&sig=aci0tch4hatjshl0fdg63jzwho_phmsa0-0hzzh5eldtoq4xvnarm3etqnh1coqwe6jmaavbhabbdnq0verqrm5ehrzpuq-63xztlhosnhcmk0axn4mlgtrjmz0kkr9jdjb517t55jznvxlzrysnxsar_ppr2cwkxxb9hgfk7nx48ltrkmnpsf2b4fhwjiqfue_i4bivf.

You also can opt-out from being tracked by Google Analytics in the future by downloading and installing

Google Analytics Opt-out Browser Add-on for your current web browser at:

http://tools.google.com/dlpage/gaoptout?hl=en.

Sometimes our authorized service providers, business partners, or other affiliated businesses and ad networks display advertisements on our Site. Tracking technologies may be used to monitor your interactions with the advertisements while on the Site. The technology will allow America’s Financial Choice to provide targeted advertising and evaluate the effectiveness of advertising campaigns.

Except as otherwise specified in this Online Privacy Statement, America’s Financial Choice does not alter the practices detailed herein based upon your selection of the “Do Not Track” setting or other “opt out” setting or feature that may be offered by your browser; however, America’s Financial Choice reserves the right to do so in the future without notice to you.

11.4 How America’s Financial Choice uses the information that we collect

America’s Financial Choice uses the Personal Information to conduct business, to provide you with customer support, to perform functions that are described to you at the time of collection, and to enforce our Terms of Use. For more information see our Consumer Privacy Policy "(See other tab)".

Some of America’s Financial Choice’s third party partners may participate in the Digital Advertising Alliance’s Self-Regulatory Program for Online Behavioral Advertising and allow consumers the ability to opt-out of targeted advertising based on web activity tracking. For more information regarding the foregoing, please visit http://www.aboutads.info/choices/. Please note that even if America’s Financial Choice’s third party partners participate in the Digital Advertising Alliance’s Self-Regulatory Program for Online Behavioral Advertising and you opt of targeted advertising based on web activity tracking, you still may receive standard advertisements from us and targeted advertisements from third parties after clicking the link and following the instructions provided therein. You may need to re-click the link and follow the instructions provided therein if you delete cookies or other collection technology or use a different computer, device or browser.

11.5 How we may share your Personal Information

Please see the America’s Financial Choice Privacy Notice for information on how Personal Information may be shared and how you may be able to limit certain types of sharing.

11.6 How America’s Financial Choice protects your Personal Information

Please see the America’s Financial Choice Privacy Notice for information on how we protect your personal information from unauthorized access and use.

11.7 How you may access and change the information that America’s Financial Choice collects

The first time that you provide us with registration information through our website, you will be able to decide whether you want to subscribe to emails or newsletters. After your first use, you can change your initial choices by contacting customer service at 866-298-2732 X 106. Each commercial email that we send to you, will offer you the opportunity to opt-out of continuing to receive such messages. We may take up to 10 days to process your opt-out requests. In some instances, we may have already shared your information with one of our authorized third parties before you changed your email and newsletter choices. Federal Trade Commission email compliance guidance allows us to send you transactional and relationship email without offering you the opportunity to opt-out of receiving those types of email. In those cases, you may have to directly contact those third parties to opt-out of receiving their communications.

11.8 We Do Not Collect Information from Children

The Sites are not directed toward children under 13 years of age nor does America’s Financial Choice knowingly collect information from children under 13. If you are under 13 years of age, you are not permitted to submit any personally identifiable information to America’s Financial Choice. If you are under 21 years of age, you may browse the Sites but you may not register an account on the Sites or provide information to America’s Financial Choice, unless specifically stated otherwise.

11.9 Updating Your Information

You are responsible for keeping your information current and up-to- date. You may update your information by modifying your account user profile and/or contacting us at 866-298-2732 X 106. We will use reasonable efforts to process any change you make; provided, however, that requests to delete information are subject to America’s Financial Choice’s internal reporting, processing and retention policies and all applicable legal obligations. You also have the right, where provided under applicable law, to ask us not to process your personal data by contacting us at 866-298-2732 X 106. Where we can provide information access and correction, we will do so for free, except where it would require a disproportionate effort and provided same is allowed under applicable law.

12. Wireless Communications Policy.

If and to the extent that America’s Financial Choice elects, in its sole discretion, to communicate with you by text messaging the provisions of this Section 12 shall apply. When you are in one of our stores or communicating directly with us you have the option to opt-in to receive SMS text messages for either account information and/or marketing messages. By opting-in you are providing consent for America’s Financial Choice to use your personal information to provide the services you have requested, including services that display customized content and advertising. Your wireless communications provider’s Text Messaging (“SMS” or “MMS”) & Data Rates may apply to our confirmation and all subsequent SMS messages. You may opt-out and remove your SMS information by sending “STOP”, “END”, “CANCEL,” “UNSUBSCRIBE,” or “QUIT” to the SMS text message you have received. Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, the date & time, and content of your messages. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an “AS IS” basis. To call our Opt-in/Opt- out line call 866-298-2732 X 106. Opt-in - A confirmation message will be sent to you to verify you are in possession of the device for the cell number you provided and also will remind you of applicable Text Messaging & Data Rates that may be charged by your wireless carrier for all subsequent SMS or MMS. Opt-out - To cancel text message alerts, simply reply STOP to the message received to opt-out of respective text alert program. Text STOP to 866-298-2732 X 106. Help or Support - For help, call 866-298-2732 X 106. Request help, get contact information or additional information regarding our texting services anytime from your mobile device by replying with the word “HELP” to the message you receive.

13. Email Terms and Conditions.

By providing America’s Financial Choice with your email address you consent that we may send email messages to your email address. Email services are provided on an “AS IS” basis.

14. Indemnification.

You agree to indemnify and hold America’s Financial Choice and its affiliates, subsidiaries, managers, members, officers, employees, represents and each of their respective successors and assigns harmless from and against any and all claims, damages, costs and expenses (including attorney and accounting fees) arising from or related to your use of this Site or breach of the Terms. America’s Financial Choice reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim. 15. Warning about Fraud and Identity Theft. Attempting to obtain a credit transaction by providing false information, including but not limited to the use of false or altered documents and the use of another person’s identity other than your own, is fraudulent and, in some cases, punishable by law. America’s Financial Choice reserves the right to report any and all information obtained in connection with a verified fraud attempt to local, state, or federal authorities for possible investigation and prosecution.

16. Minors.

This Site is not directed at minors and America’s Financial Choice does not knowingly collect personal information from any person under the age of majority for their state at this Site. By agreeing to the Terms, you represent that you are at least the age of majority in your state of residence.

17. LIMITATIONS ON LIABILITY.

BY YOUR USE OF THIS SITE YOU ACKNOWLEDGE THAT: (1) YOUR USE OF THIS SITE IS AT YOUR SOLE RISK; (2) YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT THAT YOU USE IN CONNECTION WITH YOUR USE OF THIS SITE; AND (3) NEITHER AMERICA’S FINANCIAL CHOICE NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF OR INABILITY TO USE OUR SITE, INCLUDING WITHOUT LIMITATION, FAILURE OF PERFORMANCE, DAMAGE TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY, ERROR, OMISSION, INTERRUPTION, COMPUTER VIRUS, OR NETWORK OR INTERNET FAILURE, OR DIRECT, INDIRECT, SPECIAL, COMPENSATORY OR CONSEQUENTIAL DAMAGES, LOST PROFITS AND/OR LOSS OF OR DAMAGE TO PROPERTY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, EVEN IF AMERICA’S FINANCIAL CHOICE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. AMERICA’S FINANCIAL CHOICE RESERVES THE RIGHT TO ALTER OR REMOVE SITE CONTENT, OR SUSPEND OR TERMINATE YOUR USE IN ANY WAY, AT ANY TIME, FOR ANY REASON, WITHOUT PRIOR NOTIFICATION, AND AMERICA’S FINANCIAL CHOIC WILL NOT BE LIABLE IN ANY WAY FOR POSSIBLE CONSEQUENCES OF THAT ACTION. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, AMERICA’S FINANCIAL CHOICE’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED $100.00.

18. DISCLAIMER.

THE CONTENT PROVIDED ON THIS SITE IS PROVIDED “AS IS” AND “WITH ALL FAULTS.” AMERICA’S FINANCIAL CHOICE MAKES NO WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED, AS TO ITS USE, AVAILABILITY, CONTENT ACCURACY, APPROPRIATENESS, PERFORMANCE OF THIS SITE OR ANY OTHER MATTER. AS A USER, YOU ASSUME ALL RISKS AND RESPONSIBILITIES FOR ITS USE OR NON-USE, AND AMERICA’S FINANCIAL CHOICE MAKES NO REPRESENTATION THAT THE CONTENT APPEARING ON OR DOWNLOADED FROM THIS SITE IS COMPATIBLE WITH YOUR COMPUTER OR FREE FROM ERROR OR VIRUSES. NO AMERICA’S FINANCIAL CHOICE EMPLOYEE, AGENT OR REPRESENTATIVE IS AUTHORIZED TO MODIFY OR AMEND THIS WARRANTY. TO THE EXTENT ALLOWABLE BY EXISTING LAW, AMERICA’S FINANCIAL CHOICE DISCLAIMS ALL OTHER WARRANTIES, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THIS SITE AND ITS CONTENT. YOUR SOLE REMEDY AGAINST AMERICA’S FINANCIAL CHOICE FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

19. Miscellaneous.

The provisions and conditions of the Terms constitute the entire agreement between America’s Financial Choice and you related to the use of the Site and supersedes any prior agreements or understandings not incorporated in the Terms in connection with the use of this Site. The Terms are effective as of the Effective Date. Continued use of the Site by you after the Effective Date constitutes your acceptance of the Terms as of the Effective Date. America’s Financial Choice does not waive any rights set forth in these Terms or our right to enforce these Terms by merely choosing not to exercise or enforce our rights in a particular circumstance. If any application of a provision of these Terms is held to be invalid or unenforceable to any extent, the remainder of these terms, or the application of such provision in other circumstances, will not be affected by such holding and every other provision may be enforced to the fullest extent permitted by law. These Terms constitute the entire agreement between you and us with regard to your use of the Site, and will not affect, supersede, or modify any terms or conditions set forth in specific loan agreements. Should you have any questions concerning the Terms, or if you desire to contact America’s Financial Choice for any reason, please contact our Webmaster, or by mail at America’s Financial Choice, Inc., 2 Madison Street, 2nd Floor, Oak Park, Illinois 60302.

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Starter Payday Loans

Fast approvals and a checking account is NOT required for all of our loan choices.

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Preferred Loans

Great for existing customers. Higher loan amounts with more payment options.

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Auto Title Loans

Any vehichle make, model, year or mileage. Plus you Keep your car!

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