READ THESE TERMS AND CONDITIONS CAREFULLY.
- “We,” “us,” “our,” or “Courtesy Finance,” as used on this Site, mean the CourtesyFinance group of companies including: Courtesy Finance LLC; Courtesy Finance of Georgia LLC; and Courtesy Finance of Tennessee LLC.
- “You” or “your” mean you as an individual and if you are an employee or representative of another person or entity, such person or entity.
- “Site” means all websites including www.courtesyfinance.net, interactive features, widgets, plug-ins, applications, content, downloads, mobile applications, and other electronic services maintained by Courtesy Finance.
Disclaimer of Warranties
You expressly agree that use of the Site, including browsing, downloading, and otherwise obtaining content from the Site, is at your sole risk. The Site and its content are provided on an “as is” and “as available” basis and “with all faults.” We do not guarantee, represent, or warrant that your use of this Site will be uninterrupted, timely, secure, or error-free. You agree that from time to time we may take down the Site for indefinite periods of time as necessary or restrict access to the Site at any time, for any reason, without notice to you. You expressly agree that your use of, or inability to use, the Site is at your sole risk.
ALL INFORMATION OFFERED ON THIS SITE IS PROVIDED “AS IS” WITHOUT ANY WARRANTY WHATSOEVER, INCLUDING, WITHOUT LIMITATION, ANY (A) WARRANTY OF MERCHANTABILITY; (B) WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE; OR(C) WARRANTY AGAINST INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OF A THIRD PARTY; WHETHER EXPRESS OR IMPLIED BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE, OR OTHERWISE. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU.
Limitation of Liability
IN NO CASE SHALL COURTESY FINANCE, ITS DIRECTORS, OFFICERS, EMPLOYEES,AFFILIATES, AGENTS, INTERNS, CONTRACTORS, THIRD PARTY VENDORS, SUPPLIERS,SERVICES PROVIDERS, OR LICENSORS BE LIABLE TO YOU OR ANY OTHER THIRDPARTY ON YOUR BEHALF FOR ANY INJURY, LOSS, CLAIM, OR ANY DIRECT, INDIRECT,INCIDENTAL, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND,INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, LOST SAVINGS,LOSS OF DATA, REPLACEMENT COSTS, OR ANY SIMILAR DAMAGES, WHETHERBASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OROTHERWISE, ARISING FROM YOUR USE OF THE SITE OR FOR ANY OTHER CLAIMRELATED IN ANY WAY ARISING OUT OF YOUR USE OR ANY THIRD PARTY ON YOURBEHALF’S USE OF THE SITE, INCLUDING BUT NOT LIMITED TO ANY ERRORS OROMISSIONS IN ANY CONTENT OR ANY LOSS OR DAMAGE OF ANY KIND INCURRED ASA RESULT OF THE USE OF THE SITE, OR ANY CONTENT POSTED, TRANSMITTED, OROTHERWISE MADE AVAILABLE BY THE SITE, REGARDLESS OF: (A) WHETHER SUCHDAMAGES WERE FORESEEABLE, (B) WHETHER OR NOT WE WERE ADVISED OF THEPOSSIBILITY OF SUCH DAMAGES, AND (C) THE LEGAL OR EQUITABLE THEORY(CONTRACT, TORT OR OTHERWISE) UPON WHICH THE CLAIM IS BASED.
Accuracy, Completeness and Timeliness of Information
The information on the Site may contain inadvertent or unintentional errors or inaccuracies and may not be complete or current. We reserve the right to correct errors, inaccuracies, or omissions and to change or update information at any time without prior notice. The terms of any promissory note(s), loan agreement(s), or other agreement(s) between you and Courtesy Finance control, to the exclusion of information on the Site, in the event of any discrepancy between the two. Any reliance on the material on this Site is at your own risk. This Site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this Site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our Site.
Void Where Prohibited
We reserve the right to limit, at our sole discretion, the provision, and quantity of any feature, product, or service to any person or geographic area. Any offer for any feature, product, or service made on the Site is void where prohibited.
If at our request, you send certain specific submissions (for example, contest entries), or without a request from us you send creative ideas, suggestions, reviews, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “User Content”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any User Content that you provide to us. We are and shall be under no obligation: (1) to maintain any User Content in confidence; (2) to pay compensation for any User Content; or (3) to respond to any User Content. We may, but have no obligation to, monitor, edit or remove User Content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable, or violates any party’s intellectual property or these Terms.
You agree that your User Content will not violate any right of any third party, including copyright, trademark, privacy, personality, or other personal or proprietary rights. You further agree that your User Content will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Site. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any User Content. You are solely responsible for any User Content you make and its accuracy. We take no responsibility and assume no liability for any User Content posted by you or any third party.
You acknowledge that any content provided on the Site, either created by us, you, or a third-party, is not intended to, nor does it constitute financial, legal, professional, medical, or healthcare advice or diagnosis, and may not be used for such purposes. It is your responsibility to evaluate the accuracy, timeliness, completeness, or usefulness of the content on this Site. Under no circumstance will Courtesy Finance be liable for any loss or damage caused by your reliance on any content on this Site.
You acknowledge that any public forums offered on the Site are for public and not private communications. You are and shall remain solely responsible for the comments you post on any such forums and the Site and for the consequences of submitting and posting the same. You should be skeptical about information provided by others, and you acknowledge that the use of any content posted on the Site is at your own risk.
By posting or uploading User Content to this Site, you are granting Courtesy Finance permission to use the User Content in connection with the Site or otherwise. By submitting comments, you also grant Courtesy Finance the right, but not the obligation, to use your biographical information, including, without limitation, your name and geographical location in connection with broadcast, print, online, or other use or publication of your content. Notwithstanding the foregoing, you waive any and all claims you may now or later have in any jurisdiction to so-called “moral rights” with respect to the User Content.
Courtesy Finance may discontinue operation of the Site, or your use of the Site, in either case in whole or in part, in its sole discretion. You have no right to maintain or access your User Content on the Site, and Courtesy Finance has no obligation to return your User Content or otherwise make it available to you.
Intellectual Property Rights
Unless otherwise noted, all content on the Site is subject to intellectual property rights, including copyrights and trademarks, held or licensed by Courtesy Finance and its affiliates. Subject to these Terms, Courtesy Finance grants you a non-exclusive, non-transferable, limited right to access, use and view this Site and the information thereon, including, without limitation, all text, software, scripts, source code, API, files, designs, graphics, drawings, illustrations, images, photographs, video clips, music and sounds, interactive features and/or other materials and all trademarks, service marks and trade names used at this Site and the selection and arrangements thereof (collectively, the “Website Content”), solely for your own personal use; provided, however, that you may not, nor may you allow others to, directly or indirectly sell, license, rent, reproduce, download, modify or attempt to modify or create derivative works from the Website Content in any way or reproduce or publicly display, perform, transmit or distribute or otherwise use the Website Content for any public or commercial purpose, including, without limitation, use of the Website Content on any other website or in any environment of networked computers, or transfer the Website Content to any other person without the prior written explicit consent of Courtesy Finance. Except as expressly provided herein, no license to use or reproduce the Website Content is given to you and all intellectual property rights therein are expressly reserved. Systematic retrieval of data or other Website Content from this Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without express prior written permission from Courtesy Finance is prohibited.
Suspected Copyright Infringement
We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access to them) from the Site by submitting written notification to us pursuant to the requirements below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), the written notice (the “DMCA Notice”) must include substantially the following:
- Your physical or electronic signature;
- Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Site, a representative list of such works;
- Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material;
- Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address);
- A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law;
A statement that the information in the written notice is accurate; and
- A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.
Please be aware that if you knowingly materially misrepresent that material or activity on the Site is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.
You may not use the Site in any way that violates applicable state, federal, or international laws or regulations including, without limitation, the CAN-SPAM Act of 2003, or other government requirements.
Updates and Revisions
These Terms are subject to change by us without written notice at any time in our sole discretion. Any changes to these Terms will be in effect as of the “Last Updated Date” referenced on the Site. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Site following the posting of any changes constitutes acceptance of those changes.
If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Governing Law and Venue
All matters relating to the Site and these Terms, and any dispute or claim arising therefrom or related thereto shall be governed by and construed in accordance with the internal laws of the State of Georgia without giving effect to any choice or conflict of law provision or rule (whether of the State of Georgia or any other jurisdiction). To the maximum extent permitted by law, this agreement is governed by the laws of the State of Georgia and you hereby consent to the exclusive jurisdiction and venue of courts in the state of Georgia in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
Last Updated Date: May 1, 2021