1. Acceptance of Auto Title Loans USA’s Terms and Conditions

Your access to and use of Auto Title Loans USA’s Website is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website.

2. Credit card information

Auto Title Loans USA will never ask for Credit Card details and request that you do not enter it on any of the forms on Auto Title Loans USA.

3. Advice

The contents of Auto Title Loans USA website do not constitute advice and should not be relied upon in making or refraining from making any decision, financial or otherwise.

4. Change of Use

Auto Title Loans USA reserves the right to:

4.1 change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that Auto Title Loans USA shall not be liable to you for any such change or removal and.

4.2 change these Terms and Conditions at any time, and your continued use of the Website following any changes shall be deemed to be your acceptance of such change.

5. Links to Third Party Websites

The Auto Title Loans USA Website may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites.

6. Copyright

6.1 All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by or licensed to Auto Title Loans USA or otherwise used by Auto Title Loans USA as permitted by law.

6.2 In accessing the Website you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

7. Disclaimers and Limitation of Liability

7.1 The Website is provided on an AS IS and AS AVAILABLE basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

7.2 To the extent permitted by law, Auto Title Loans USA will not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.

7.3 Auto Title Loans USA makes no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.

7.4 Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of Auto Title Loans USA for death or personal injury as a result of the negligence of Auto Title Loans USA or that of its employees or agents.

8. Indemnity

You agree to indemnify and hold Auto Title Loans USA and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Auto Title Loans USA arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.

9. Severance

If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the law of AZ and you hereby submit to the exclusive jurisdiction of the AZ courts.

11. The Annual Percentage Rate will be based on the amount of the loan ss per Arizona laws, Auto Title Loans USA will not exceed that allowable APR, the allowable range is from 120%-204% APR (or 10%-17% Monthly Percentage Rate.)

12. Non-payment implications

Auto Title Loans USA enters into contractual short term loan agreements with their customers.

Financial implications: A late fee is assessed to loans that are past due–check your contract for specific terms that apply.

13. Collection Practices

It is Auto Title Loans USA’s goal to provide a loan that works within your financial means. If for some unforeseen reason you are not able to make your payment, Auto Title Loans USA will work with you to get back in good standing. We also work within the guidelines of the FDCPA (Fair Debt Collection Practices Act).

14. Potential Credit Score Impact

Auto Title Loans USA does not currently report non-payment to the three credit agencies. However, if we are not able to get the loan repaid, and we file a suit in civil court and a judgment is obtained, this will become part of your credit history.

15. Renewal Policy Information

Short term loans are automatically renewed if not paid in full on the loan due date.

For any further information please email info@phoenixtitleloan.com