Effective 4/11/2019

STATE DISCLOSURES

PLEASE READ THE BELOW TERMS AND CONDITIONS CAREFULLY. THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU AND CYPRESS FINANCIAL RECOVERIES, LLC (“Cypress Financial Recoveries, LLC”).  YOUR RIGHT TO ACCESS AND USE THIS WEBSITE AND THE SERVICES OFFERED HEREIN IS CONDITIONED ON YOUR ACCEPTANCE OF ALL OF THE TERMS AND CONDITIONS BELOW. BY CLICKING “I AGREE,” YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.  IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE. AS USED HEREIN, “YOU” OR “YOUR” REFERS TO ANYONE WHO ACCESSES AND/OR USES ANY PORTION OF THIS WEBSITE. “REGISTERED USER” REFERS TO ANY PERSON WHO CREATES A USER ACCOUNT TO UTILIZE SERVICES OFFERED ON THE WEBSITE.

1) WEBSITE TERMS OF USE

By accessing and using this website, You signify that You have read, understand, and agree to be bound by the Website Terms of Use.

2) CONSENT TO ELECTRONIC COMMUNICATIONS, TRANSACTIONS AND DISCLOSURES

Please read the following information carefully.  By agreeing to these Terms and Conditions, You agree to receive in electronic format documents, communications, notices, contracts, and agreements arising from or relating to Your account or to Your use of the Website or the Services (each, a “Document”) from Cypress Financial Recoveries, LLC.  This document informs You of Your rights concerning the electronic delivery of Documents.

Your email address, as provided by You upon registration, will be the primary means used to contact You about matters concerning this Website. You are responsible for ensuring that Your email address is current and operational at all times. You agree to accept all disclosures and other communications from Cypress Financial Recoveries, LLC regarding this Website on the Website or at the e-mail address provided by You upon registration. By clicking “I Accept,” You also are consenting to receive a one-time confirmation of Your registration as a Registered User on this Website electronically to the e-mail address You have provided to us. In order to receive the electronic confirmation of Your registration, You must have access to a personal computer with a 128-bit javascript-enabled browser, internet access and a valid electronic mail account supported by software that enables You to receive electronic communications. Cypress Financial Recoveries, LLC will not provide paper copies of the electronic confirmation letter.

Electronic Communications. Documents may be provided to You electronically either on the Website or via electronic mail to the verified email address You provide. You are not required to consent to electronic delivery of Documents in order to conduct business with Cypress Financial Recoveries, LLC and may request a paper copy at any time. If You require paper copies of such Documents, You may write to us at the mailing address provided below and a paper copy will be sent to You. A request for a paper copy of any Document will not be considered a withdrawal of Your consent to receive Documents electronically. We may discontinue electronic provision of Documents at any time in our sole discretion.

By checking “I agree” below, You confirm that You have the minimum necessary hardware and software requirements listed below to access and retain the Documents electronically and agree to receive Documents in electronic format.

Hardware and Software Requirements. In order to access and retain Documents electronically, You must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; Operating System: Windows 7, Windows 8, Windows 10; Mac OS X. Browsers: Final release versions of Microsoft Edge 13.0 or above and Internet Explorer 9.0 or above (Windows only); Mozilla Firefox 35.0 or above (Windows and Mac); Safari 9.1 or above (Mac OS only); Google Chrome 41.0 or above; Opera 31.0 or above (Windows and Mac). PDF Reader: Acrobat or similar software may be required to view/print PDFs. Screen Resolution: 1024 x 768 minimum. Security Settings: Allow per session cookies.

These minimum requirements are subject to change.  If these requirements change, You will be notified and asked to re-accept this Agreement.

TCPA Consent. By checking “I agree” below, You expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls, and SMS messages (including text messages) from us, our affiliates, agents and others calling at their request or on their behalf, at any telephone numbers that You have provided or may provide in the future (including any cellular telephone numbers). Your cellular or mobile telephone provider will charge You according to the type of plan You carry.

Withdrawing Consent. You may withdraw Your consent to receive Documents electronically by contacting us as follows:

You can contact us via email at info@cfrfinancial.com or call us at 1-877-234-5904. You may also reach us in writing to us at the following address: Cypress Financial Recoveries, LLC, 175 S Washington Avenue, Suite 9, Dumont, New Jersey, 07628.

You will print a copy of this Agreement for Your records and You agree and acknowledge that You can access, receive and retain all Documents electronically.

3)  FEDERAL AND STATE DISCLOSURES

CYPRESS FINANCIAL RECOVERIES, LLC is a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF CALIFORNIA:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov

Nonprofit credit counseling services may be available in the area.

THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF COLORADO:

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

Cypress Financial Recoveries, LLC office: 7200 S Alton Way, Suite B180, Centennial, CO 80112. Phone 303-309-3839

THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF MASSACHUSETTS:

NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to Cypress Financial Recoveries, LLC.

THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF MINNESOTA:

This collection agency is licensed by the Minnesota Dept. of Commerce.

THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF NEW YORK CITY:

New York City Department of Consumer Affairs License Number: 1448508

THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF TENNESSEE:

This collection agency is licensed by the collection service board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243.

4) PRIVACY

You understand, acknowledge, and agree that the operation of certain areas of the Cypress Financial Recoveries, LLC Website requires the submission, use, and dissemination of personally identifiable information. If You wish to access and use those areas of the Website, You acknowledge and agree that Your access and use will constitute acceptance of Cypress Financial Recoveries, LLC’s personally identifiable information collection and use practices. For information relating to Cypress Financial Recoveries, LLC’s collection and use of personally identifiable information in connection with Your use of this Website, please see our Privacy Policy.