{"id":176,"date":"2023-10-24T09:30:37","date_gmt":"2023-10-24T09:30:37","guid":{"rendered":"https:\/\/cfrfinancial.com\/?page_id=176"},"modified":"2023-10-24T09:31:07","modified_gmt":"2023-10-24T09:31:07","slug":"payment-terms-and-conditions","status":"publish","type":"page","link":"https:\/\/cfrfinancial.com\/payment-terms-and-conditions\/","title":{"rendered":"Payment Terms and Conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"176\" class=\"elementor elementor-176\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c9f43c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c9f43c1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95531ed\" data-id=\"95531ed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a56c0d1 elementor-widget elementor-widget-text-editor\" data-id=\"7a56c0d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<h2 style=\"text-align: center;\"><b>PAYMENT TERMS AND CONDITIONS<\/b><\/h2><p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Updated 01\/27\/2023<\/span><\/p><p><b>I AGREE TO THE TERMS AND CONDITIONS OF USING THE PAYMENT METHOD DESIGNATED BY ME AND AUTHORIZE CYPRESS FINANCIAL RECOVERIES, LLC. OR ITS AGENT TO PROCESS THE PAYMENTS SUBMITTED THROUGH THIS ONLINE PAYMENT PORTAL.<\/b><\/p><p><b>I ACKNOWLEDGE AND AGREE THAT MY PAYMENT DOES NOT ALTER OR AFFECT THE 30 DAY PERIOD IN WHICH I HAVE THE RIGHT TO EXERCISE THE RIGHTS OUTLINED IN ANY VALIDATION LETTER WHICH MAY BE OR MAY PREVIOUSLY HAVE BEEN SENT TO ME IN CONNECTION WITH MY DEBT.<\/b><\/p><p><span style=\"font-weight: 400;\">Welcome to the Payment Terms and Conditions (the \u201cTerms and Conditions\u201d) for use of the Online Payment Portal for Cypress Financial Recoveries, LLC, together with its parent, affiliates, subsidiaries and agents (\u201cCypress Financial Recoveries, LLC\u201d). The Terms and Conditions are applicable to all payments submitted through the Online Payment Portal.<\/span><\/p><p><span style=\"font-weight: 400;\">Please note that your use of this Payment Portal is also governed by our Terms of Use and Privacy Policy, as well as all other applicable terms, conditions, limitations and requirements contained on the https:\/\/www.cfrfinancial.com website, all of which are incorporated into these Terms and Conditions.\u00a0 If you choose to use this Payment Portal to make a payment, you accept and agree to these Terms and Conditions.<\/span><\/p><h2><b>1)\u00a0 SCOPE OF TERMS AND CONDITIONS<\/b><\/h2><p><span style=\"font-weight: 400;\">These Terms and Conditions govern your use of the Cypress Financial Recoveries, LLC Online Payment Portal (the \u201cPayment Portal\u201d). As used herein, the words \u201cyou\u201d and \u201cyour\u201d refer to the user of the Cypress Financial Recoveries, LLC website and Payment Portal. The words \u201cwe\u201d, \u201cour\u201d and \u201cus\u201d refer to Cypress Financial Recoveries, LLC, its parents, subsidiaries, affiliates and agents.\u00a0 Utilizing the Payment Portal will enable you to make payments on your Cypress Financial Recoveries, LLC account(s) online. Cypress Financial Recoveries, LLC reserves the right to refuse this payment option service and the use of specific payment methods to anyone or any user without notice for any reason at any time, in its sole discretion..<\/span><\/p><h2><b>2) AUTHORIZATION FOR PAYMENTS<\/b><\/h2><p><span style=\"font-weight: 400;\">To use the Payment Portal, you must designate a valid debit card, check, or electronic check (\u201cPayment Method\u201d). Each time you initiate a transaction(s), you authorize Cypress Financial Recoveries, LLC or our agent to draw a check or draft, initiate an automated clearing house (ACH) debit, and\/or charge your Payment Method, in your name to the bank account you specify, payable to us or to our agent, in the amount of the transaction, on the date(s) specified (\u201cBilling Date\u201d) of the month(s) of payment according to the schedule (one-time or recurring) that you have affirmatively designated and authorized. Your transaction must be payable in U.S. dollars.<\/span><\/p><p><span style=\"font-weight: 400;\">By submitting a payment using your designated Payment Method, you agree that: (a) you have read, understand and agree to these Terms and Conditions, and that this agreement constitutes a \u201cwriting signed by you\u201d under any applicable law or regulation, (b) you consent to the electronic delivery of the disclosures contained in these Terms and Conditions, (c) you authorize Cypress Financial Recoveries, LLC or its agent to make any inquiries we determine may be necessary to validate any dispute involving your payment, (d) you authorize Cypress Financial Recoveries, LLC or its agent to initiate one or more drafts or ACH debit entries (withdrawals) or the creation of an equivalent bank draft for the specified amount(s) from your bank account, and (e) you authorize the financial institution that holds your bank account to deduct such payments, debit your debit card, and to initiate any debit or credit entries to your bank account in the amount of such payments or corrections.<\/span><\/p><h2><b>3) CHARGES<\/b><\/h2><p><span style=\"font-weight: 400;\">Prior to making a payment through the Payment Portal, please ensure that you have enough money in your designated bank account to cover the payment. For each transaction, your bank may assess its customary per-check or item-handling charge or its customary charge for each dishonored check or draft. If any transaction is not honored by your bank, we have the right to collect the amount from you as permitted by applicable law. If this happens, we may cancel your right to make payments using the Payment Portal.\u00a0 It is your responsibility to make sure that your Payment Method information and contact information are current at all times.<\/span><\/p><h2><b>4) PAYMENT PROCESSING FOR ONLINE PAYMENTS<\/b><\/h2><p><span style=\"font-weight: 400;\">Payments made through the Payment Portal before 5:00 pm EST on business days (Monday-Friday) will be processed within 24 hours of receipt.<\/span><\/p><h2><b>5) CUSTOMER SERVICE<\/b><\/h2><p><span style=\"font-weight: 400;\">Transactions that we process using your Payment Method will appear on the statement issued by your bank or other financial institution as \u201cCypress Financial Recoveries, LLC.\u201d All questions relating to any transactions submitted through this Payment Portal should be directed to us. You may contact us regarding any payments submitted through this Payment Portal by writing to us at <\/span><span style=\"font-weight: 400;\">2141 NE 2<\/span><span style=\"font-weight: 400;\">nd<\/span><span style=\"font-weight: 400;\"> Street, Ocala, FL 34470 <\/span><span style=\"font-weight: 400;\">or by phone at 1-877-234-5904. You may also view your transaction history at any time in the Payment History screen.<\/span><\/p><h2><b>6) REPORTING ERRONEOUS TRANSACTIONS<\/b><\/h2><p><span style=\"font-weight: 400;\">If you believe that any payment transaction initiated by Cypress Financial Recoveries, LLC is erroneous, or if you need more information about a transaction, you should contact us by writing to us at <\/span><span style=\"font-weight: 400;\">2141 NE 2<\/span><span style=\"font-weight: 400;\">nd<\/span><span style=\"font-weight: 400;\"> Street, Ocala, FL 34470<\/span><span style=\"font-weight: 400;\"> or by phone at 1-877-234-5904. Please notify us as soon as possible should you have reason to believe that someone has attempted to complete a payment using this Payment Portal without your permission. Federal law limits your liability for any fraudulent, erroneous, or unauthorized transaction from your bank account based on how quickly you report it to your financial institution. You should contact your financial institution for more information about the policies and procedures that apply to your account, including any limits on your liability.<\/span><\/p><h2><b>7)\u00a0 OUR LIABILITY FOR CERTAIN TRANSACTIONS OR PAYMENTS<\/b><\/h2><p><span style=\"font-weight: 400;\">We will not be liable to you in the following instances: (1) if, through no fault of ours, your account does not contain enough money to complete the transaction; (2) if the funds in your account are subject to legal process or other encumbrance restricting the transaction; or (3) if circumstances beyond our control prevent the transaction, despite reasonable precautions that we have taken.<\/span><\/p><h2><b>8)\u00a0 DISCLOSURE OF PAYMENT INFORMATION TO THIRD PARTIES<\/b><\/h2><p><span style=\"font-weight: 400;\">To ensure the protection of your privacy, we will not disclose any information about your online payment transactions to any person, except as follows:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">as necessary to complete transactions ;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">as required to our employees, auditors, service providers, attorneys, or agents in the course of their duties;\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">to validate or verify any dispute involving payment, including with a third party, such as a financial institution or credit bureau (or, for Massachusetts residents, a consumer reporting agency as defined in chapter 93 of the Massachusetts General Laws);\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">in order to comply with orders of any government agency or court of competent jurisdiction;\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">to persons authorized by law in the course of their official duties; or\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">after receiving your express written permission.\u00a0<\/span><\/li><\/ol><h2><b>9) CONSENT TO ELECTRONIC COMMUNICATION<\/b><\/h2><p><span style=\"font-weight: 400;\">You should print and retain a copy of all disclosures and communications. You agree to accept all disclosures and other communications between you and us on this website or at the primary e-mail address associated with your account. By clicking \u2018I Agree,\u2019 you also are consenting to receive an electronic confirmation of your enrollment in this service to the e-mail address you have provided to us. We reserve the right to send the confirmation via paper under certain conditions. Cypress Financial Recoveries, LLC reserves the right to stop delivery of the electronic confirmation in its sole discretion. In order to receive the electronic confirmation, 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. In order to store electronic communications from Cypress Financial Recoveries, LLC, you will need a printer connected to your computer to enable you to print such communications for storage in your off-line files, or a hard drive or a disk drive to download the electronic confirmation communication for storage on your computer. Cypress Financial Recoveries, LLC will not provide paper copies of the electronic confirmation letter.<\/span><\/p><h2><b>10) TERMINATION<\/b><\/h2><p><span style=\"font-weight: 400;\">If you close the bank account you have designated as your Payment Method on this Payment Portal, you agree to notify us first and to stop authorizing and initiating payments using that Payment Method on the Payment Portal.<\/span><\/p><h2><b>11)\u00a0 NOTE FOR MASSACHUSETTS RESIDENTS<\/b><\/h2><h3><b>GENERAL DISCLOSURE STATEMENT:<\/b><\/h3><p><span style=\"font-weight: 400;\">Any documentation provided to you which indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.<\/span><\/p><p><span style=\"font-weight: 400;\">The initiation by you of certain electronic funds transfers from your account will, except as otherwise provided in this Terms and Conditions, effectively eliminate your ability to stop payment of the transfer.<\/span><\/p><p><span style=\"font-weight: 400;\">UNLESS OTHERWISE PROVIDED IN THIS TERMS AND CONDITIONS, YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS; THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PAYMENTS UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT.<\/span><\/p><h3><b>DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES:<\/b><\/h3><p><span style=\"font-weight: 400;\">If you give us your written authorization to disclose information about you, your account or the transactions that you make to any person, that authorization shall be effective until we receive written notification from you to cancel such authorization, unless otherwise agreed or permitted by law, or as outlined in Section 8.<\/span><\/p><h2><b>12)\u00a0 CHANGES TO THESE TERMS AND CONDITIONS:<\/b><\/h2><p><span style=\"font-weight: 400;\">We may, in our sole discretion, make changes to these Terms and Conditions, Terms of Service and\/or its Privacy Policy at any time and without notice to you. If any change is found to be invalid, void, or for any reason unenforceable, that change is severable and does not affect the validity and enforceability of any other changes or the remainder of these Terms and Conditions. We reserve the right to subcontract any of our rights or obligations under these Terms and Conditions.<\/span><\/p><p><span style=\"font-weight: 400;\">YOUR CONTINUED USE OF YOUR BANK ACCOUNT AS A PAYMENT METHOD ON THIS PAYMENT PORTAL AFTER WE CHANGE THESE TERMS AND CONDITIONS, TERMS OF USE AND\/OR ITS PRIVACY NOTICE CONSTITUTES YOUR ACCEPTANCE OF THESE CHANGES.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PAYMENT TERMS AND CONDITIONS Updated 01\/27\/2023 I AGREE TO THE TERMS AND CONDITIONS OF USING THE PAYMENT METHOD DESIGNATED BY ME AND AUTHORIZE CYPRESS FINANCIAL RECOVERIES, LLC. OR ITS AGENT TO PROCESS THE PAYMENTS SUBMITTED THROUGH THIS ONLINE PAYMENT PORTAL. I ACKNOWLEDGE AND AGREE THAT MY PAYMENT DOES NOT ALTER OR AFFECT THE 30 DAY [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/pages\/176"}],"collection":[{"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/comments?post=176"}],"version-history":[{"count":4,"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/pages\/176\/revisions"}],"predecessor-version":[{"id":180,"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/pages\/176\/revisions\/180"}],"wp:attachment":[{"href":"https:\/\/cfrfinancial.com\/wp-json\/wp\/v2\/media?parent=176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}