Last Updated: November 10, 2024.
Introduction
Welcome to Ohio Quick Financing. These Terms of Use (“Terms”) govern your access and use of our website, applications, and loan services. By accessing or using our services, you agree to be bound by these Terms. Please read them carefully.
Acceptance of Terms
Using our website or services indicates your acceptance of these Terms and our:
- Privacy Policy
- Loan Agreements
- Electronic Communications Policy
- Website Usage Rules
- Security Guidelines
Service Eligibility
To use our services, you must be:
- 18 years or older
- Ohio resident
- US citizen or permanent resident
- Capable of forming binding contracts
- Not prohibited by law from using our services
Authorized Use
You agree to:
- Provide accurate information
- Maintain account security
- Use services legally
- Follow loan agreements
- Protect account credentials
- Report unauthorized access
Intellectual Property
Our content is protected by:
- Copyright laws
- Trademark rights
- Intellectual property regulations
- Usage restrictions
- Licensing agreements
Loan Terms and Conditions
Application Process
- Applications must be complete and accurate
- We reserve the right to verify all information
- Approval is subject to our qualification criteria
- Supporting documentation may be required
- Multiple applications may be rejected
Loan Agreement
- Each loan requires specific agreement acceptance
- Interest rates and fees are clearly disclosed
- Payment terms are set before disbursement
- Early repayment options are available
- Default terms are clearly defined
Electronic Signatures
By using our services, you consent to:
- Electronic signature usage
- Electronic document delivery
- Online contract execution
- Digital record keeping
- Electronic communications
Your electronic signature is legally binding and equivalent to a physical signature.
Website Usage
Acceptable Use
You agree not to:
- Violate any laws
- Submit false information
- Impersonate others
- Spread malware
- Attempt unauthorized access
- Interfere with service operation
- Collect user information
- Modify site content
Account Security
You are responsible for:
- Password protection
- Account access control
- Activity monitoring
- Unauthorized use reporting
- Information updates
Disclaimers and Limitations
Disclaimer of Warranties
Our services are provided “as is” and “as available” without warranties of:
- Merchantability
- Fitness for purpose
- Non-infringement
- System reliability
- Content accuracy
Limitation of Liability
We are not liable for:
- Direct damages
- Consequential losses
- Service interruptions
- Data loss
- Third-party actions
- Technical failures
Dispute Resolution
Arbitration Agreement
- All disputes subject to binding arbitration
- Class action waiver
- Individual claims only
- Arbitration location in Ohio
- Costs as per arbitration rules
Governing Law
- Ohio state law applies
- Federal regulations where applicable
- Local lending laws
- Consumer protection rules
- Banking regulations
Service Modifications
We reserve the right to:
- Modify services
- Update terms
- Change features
- Adjust rates
- Revise policies
- Terminate accounts
Account Management
Termination
We may terminate accounts for:
- Terms violation
- False information
- Fraudulent activity
- Default on loans
- Suspicious behavior
Account Closure
Upon closure:
- Outstanding balances remain due
- Records are maintained per law
- Access is terminated
- Data is retained per policy
- Legal obligations continue
Communication
Electronic Communications
You agree to receive:
- Loan documents
- Account statements
- Legal notices
- Service updates
- Marketing materials (optional)
Contact Methods
We may contact you via:
- Phone
- Text message
- Postal mail
- Account notifications
Additional Legal Notices
Copyright Notice
All content is protected by:
- Copyright laws
- Trademark rights
- Usage restrictions
- Licensing terms
- Intellectual property laws
Privacy Practices
Detailed in our Privacy Policy:
- Information collection
- Data usage
- Sharing practices
- Security measures
- User rights
Changes to Terms
Modification Process
- Changes posted on website
- Email notification for major updates
- Continued use implies acceptance
- Prior notice when required
- User right to terminate
Notice Period
- Material changes: 30 days notice
- Rate changes: As per loan agreement
- Feature updates: Immediate effect
- Regulatory changes: As required
- Security updates: Immediate
Severability
If any provision is found unenforceable:
- Remaining terms stay valid
- Provision modified to be enforceable
- Original intent maintained
- Legal compliance ensured
- User rights preserved