Terms of Service

UPDATED: DECEMBER 2022

Online Website Agreement and Authorization for Payments (the "Agreement")

Debt Collection Notice. CACi is a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

 The use of this site, and the associated services, hereafter referred to as “the Service” is governed by the terms and conditions set forth below. By using this site, and all subsequent pages thereof, you are agreeing to accept and be bound by these terms and conditions.

Consumer Adjustment Company, Inc. (d/b/a CACi) hereafter referred to as CACi reserves the right, in its discretion, to make changes to these terms and conditions at any time without notice. Such modifications shall be effective immediately upon posting of the modified Agreement. By continuing to access or use the Service following such modifications, you agree to be bound by the modified Agreement. CACi has no obligation to notify users of the posting of a modified Agreement.

Please read this Agreement carefully before accessing or using the Service. By accessing or using the Service, you agree to be bound by the terms and conditions below. If you do not accept the terms and conditions of this Agreement, you may not access or use the Service.

You agree to review the Terms & Conditions periodically, since any use of this website, and all subsequent pages thereof, following any such change shall constitute acceptance of the modification(s).

The content and information on this site may include inaccuracies or errors, and CACi makes no warranty as to the accuracy of any such information, and CACi expressly excludes liability for any such inaccuracies or errors to the fullest extent permitted by law.

 This site may contain hyperlinks that will lead you to other sites on the internet that are not operated by or under the control of. CACi has no control over nor endorses any of these third-party sites. CACi assumes no responsibility or liability for any content that may appear in any other website accessed through CACi website, nor does CACi make any representation regarding the quality of any product or service contained at any such site.

 Access of this site and any use of the information is at the user’s own risk and use of this site is acceptance of these terms. In accessing this site, no client, advisory, fiduciary or professional relationship is implied or established. The information provided should not be construed as legal advice or opinions and should not be relied upon as such.

 By using this site or providing us with your personal contact information such as address, telephone number, mobile telephone number or email address you acknowledge that you are providing that specific information so that CACi may communicate with you at any number or address that you provide concerning your account. You agree further that CACi may contact you using the information you have provided by any method we choose including auto dialed or auto generated or pre-recorded information by email, call to cell phone, or text to cell phone.

 CACi retains ownership of all intellectual property rights of any kind related to this site. Any other trademarks, service marks, logos and/or trade names appearing on this site are the property of their respective owners. You may not use content from this site unless you obtain permission from its owner or are otherwise permitted by law. You may not remove, alter or obscure any copyright, trademark, service mark or other proprietary rights displayed in or along with this site.

CONSUMER ACKNOWLEDGEMENTS

Account- By accessing the Service, you acknowledge that you are responsible for one or more accounts placed for collection with CACi by your creditor or creditors. To access certain account specific elements of the Service, you may be required to create an account through the Service. If you have more than one account, you may be required to create more than one Username and password. Your Username is created by you when you log-in for the first time. You acknowledge and agree that the accounts under your Username and password may not represent all the accounts with CACi.

Payment Services- By accessing the Service, you authorize CACi (1) to establish and maintain your payment authorizations and (2) to process your payments according to your instructions.

Types of Payments and Who you are Paying- You may use the Service only to authorize the payment of account(s) placed with CACi Payments that you authorize will be made from a bank or financial institution account, including, by credit or debit card, (the "Transaction Account") that you designate. It is your responsibility to establish and maintain the Transaction Account and to pay any and all fees associated with the Transaction Account. By accessing the Service, you represent that you have the authority to authorize CACi to take the payments from the Transaction Account according to the terms of this Agreement.

Electronic Funds Transfers- You may authorize one-time or recurring payments on one or more of your accounts. By using the Service and selecting the "Submit Payment" button, you are authorizing CACi to complete an electronic funds transfer from the bank or financial institution maintaining the Transaction Account. You may print a copy of your authorization after your payment is submitted. You may request a copy of your authorization by contacting CACi at 877-312-2112.

Payment Amount- You may authorize a one-time or recurring payment in an amount of at least $25.00 on an account unless the account is less than $25.00. If the account is less than $25.00 and you wish to make payment, you must pay the account in full. You may authorize a one-time or recurring payment in any amount exceeding $25.00 up to the total amount of the account or the Confirmed Payment Arrangement, if you have Confirmed Payment Arrangement. By processing any payment less than the full balance owed, you understand and agree that CACi is not agreeing to a specific payment arrangement unless that payment arrangement is expressly confirmed by a representative of CACi via telephone, email, or letter ("Confirmed Payment Arrangement"). A receipt, letter or payment authorization you print from the Service does not alone constitute agreement by CACi to a specific payment arrangement. Unless you have a Confirmed Payment Arrangement or you have requested we cease communication with you or you pay the account in full, further collection activity may continue.

Timing- By providing CACi with a payment authorization under the Service, you authorize CACi to charge the Transaction Account to remit funds on your behalf to pay accounts you designate that are placed with CACi It is your responsibility to make timely payment authorizations, so that the funds will arrive before the date on which they are due if you have a Confirmed Payment Arrangement. You may designate a payment post-date up to and including the payment due date; however, if you enter a payment post-date after 5:00 p.m. Eastern time, CACi may change the payment post-date to the date of CACi's next business day.

Revocation of One-time or Recurring Payments- In order to revoke or cancel a one-time or recurring payment scheduled using the Service, click or tap "Deactivate Schedule" and follow the on-screen process or contact CACi at 877-312-2112, Monday through Friday 8:00 a.m. to 5:00 p.m. Central time at least three (3) business days ahead of your scheduled payment. You are not permitted to change, revoke or terminate a one-time or recurring payment if that payment is in process. A payment is in process on the posting date of the payment. You may have the legal right to revoke electronic payments by contacting the bank where you hold the Transaction Account. Contact your bank to determine the information and time your bank needs to process your revocation.

Fees for Use of the Service- CACi does not charge any monthly or payment transaction fees to use the Service.

Account Management Email Address- By accessing the Service and selecting email notifications, you are authorizing CACi to send you emails. CACi will send those emails to the email address you identify in your registration records for the Service ("Account Management Email Address"). If your Account Management Email Address changes or becomes disabled, you will notify us immediately by updating your email address on the "Profile" section of the Service. If you update your Account Management Email Address on the "Profile" page of the Service, that change will take effect within 24 hours. You understand and agree that CACi may send emails to your Account Management Email Address whether or not that address includes a designation for delivery to the attention of any specific person and whether or not anyone other than you is able to access and/or read emails sent to your Account Management Email Address.

Email Notifications- Certain email notifications may be available to you as a user of the Service. If available, you may request us to send you an email confirmation ("Confirmation") when you schedule a payment using the Service. When CACi sends you a Confirmation, CACi will use the email address provided when you requested the Confirmation. CACi will send you other email notifications automatically, when applicable.

Consent to Contact- I agree to allow CACi to contact me about my account status, including past due or current charges, using prerecorded calls, text messages, email and calls or messages using live, artificial, or prerecorded voices delivered by an automatic telephone dialing system or any other computer-aided technologies to any landline phone, wireless phone number, other contact number or email address I have provided or that I obtain in the future. I further agree that CACi will treat any email address and phone numbers I provide as my private email or phone number that is not accessible by unauthorized third parties. Unless I notify CACi that my wireless service is based in a different time zone, calls will be made to my cellular device during permitted calling hours based upon the time zone affiliated with the mobile telephone number I provide.

Copies of Documents- During the period CACi retains documentation of your account, you may request a paper copy of this Agreement or any authorization to make a one-time or recurring payment by calling us at 877-312-2112. We will provide the copies free of charge.

Prohibited Conduct- You agree you will not use the Service to conduct any fraudulent or illegal activity; violate any statute, regulation or other legal authority; violate the property or privacy rights of CACi or those of any other person or company; interfere with or obtain unauthorized access to CACi computer systems or those of any other person or company; or impersonate the identity of CACi or that of any other person or company.

Accuracy of Information- You agree that all information you provide to CACi in connection with the Service is true, correct and complete. You agree not to misrepresent your identity or authority to view information or to schedule any payment using the Service.

Protect Your Personal Information - You will keep your User Name and password and your security questions and answers secret. You will tell CACi immediately if you believe there has been an unauthorized use of your User Name, password, security questions or the Service. Please tell us by calling 877-312-2112. CACi will not be responsible for any loss or damage you may suffer as a result of someone using your User Name, password, security questions or the Service whether with or without your permission or knowledge. If you give your User Name, password, or security questions and answers to someone else or allow someone else to use the Service, you will be responsible for all actions taken by that person including, without limitation, the scheduling of any payments or the updating or removal of any payments scheduled on your account, even if that person exceeds your permission.

Responsibility of CACi - CACi will use all reasonable efforts to process all your payment authorizations promptly and properly, provided the authorizations are actually received by CACi CACi will not be responsible for any failure to process a payment authorization that is not actually and completely received by CACi for any reason, including user error, equipment malfunction, natural disasters or impediments, or inaccurate or incomplete information.

CACi shall incur no liability if it is unable to complete a payment authorization initiated by you because of the existence of any one or more of the following circumstances:

1. The Transaction Account does not contain sufficient funds to complete the transaction, or the transaction would exceed the credit limit applicable to the Transaction Account.

2. You have not provided CACi with correct names or account information.

3. Circumstances beyond CACi's control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper transmission of your payment authorization and CACi has taken reasonable precautions to avoid those circumstances.

4. CACi fails to receive a full and complete payment authorization.

5. You have made any false or materially misleading statement or representation in connection with any payment authorization.

6. The bank or financial institution maintaining the Transaction Account refuses or is unable to honor a payment request from CACi

Bank or Financial Institution Limitations- In using the Service, you are requesting CACi to make payments for you from your designated Transaction Account. If your bank or financial institution is unable to process a transaction (for example, there are not sufficient funds in the Transaction Account to cover the transaction, or if funds in the account are unavailable for any reason), the transaction may not be completed. There may be limits or restrictions upon the number or frequency of payments that may be made from your Transaction Account under applicable law or under the terms of your agreement with the bank or financial institution maintaining the Transaction Account. CACi's obligations under the Service are subject to any such limits or restrictions, and CACi has no duty to notify you of any such limits or restrictions.

DISCLAIMER OF WARRANTIES. CACI IS PROVIDING THE SERVICE "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT. CACI DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

LIMITATION OF LIABILITY. IN NO EVENT SHALL CACI OR ANY LICENSORS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF CACI OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the above limitation may not apply to you.

Assignment - You may not assign this Agreement to any other party. CACi may assign this Agreement to any directly or indirectly affiliated company. CACi may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

General - This Agreement is governed and shall be construed in accordance with the laws of the State of Missouri, excluding its choice of law rules. This Agreement constitutes the entire agreement and supersedes any prior agreements or understandings, oral or written, between CACi and you concerning the Service and may only be amended as provided herein. Failure or delay in enforcing any right or provision of this Agreement shall not be deemed a waiver of such provision or right with respect to any subsequent breach or a continuance of an existing breach. If any provision of this Agreement shall be held to be unenforceable that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.