Terms of Service

1. Description of Our Site

Welcome. We are Financial Asset Management Systems, Inc. (FAMS). We provide consumers with access to online resources that may include general and personalized content, administrative services, payment services, general financial services, and other services we wish to provide. We provide these services through our website and may provide additional services by linking to websites of companies with which we work or companies we may find useful for our consumers.

Such other websites may have their own terms of use or applicable policies, and each user of the FAMS PayOnline website or any services provided therein (FAMS Sites/Services) is bound by the terms and conditions set forth in those other websites unless said terms conflict with those contained herein. In case of conflicting terms of use, the terms set forth herein are controlling.

2. User Agreement

The FAMS PayOnline website is operated by Financial Asset Management Systems, Inc., 429 Creekstone Ridge, Woodstock, Georgia 30188. The FAMS PayOnline website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the FAMS PayOnline website constitutes your agreement to all such terms, conditions, and notices.

3. Acceptance of Terms

FAMS provides this website to you subject to our Terms of Use ("Terms"). By using our website in any way, you agree to comply with these Terms, which may be updated from time to time without notice. All Terms shall automatically be effective when they are initially posted on our website. Your continued use of this website after any changes in our Terms as posted on our website shall constitute your consent to any and all such changes.

These Terms govern the use of our website by viewers and other users ("visitors"). If FAMS has entered into a separate contract with another party for placement of any content, advertising, or other materials on our website, then the terms of such separate agreements govern our relationship with those third parties.

4. Access, Registration, Password and Security

At any time you provide FAMS with information on our website, you agree that all such information provided will be true, accurate, current, and complete. You also agree to promptly update any such information to keep it accurate, current, and complete to the extent necessary to provide the services you have requested. Should you provide any information that is untrue, inaccurate, or incomplete, FAMS may terminate your access to our website and refuse any and all current or future use.

When selecting a password, make sure that you select one that is not obvious to anyone who may attempt to guess it. You are fully responsible for all activities that occur under your password or account identification. You must immediately notify FAMS of any unauthorized use of your password or account or any other breach of security.

FAMS makes absolutely no guarantee that use of this website is invulnerable to security breaches and makes absolutely no warranty, representation, or guarantee that the use of its website is protected from all viruses, security threats, or other vulnerabilities associated with internet use.

5. Content / User Conduct — No Commercial, Unlawful or Prohibited Use

You understand that you are solely and absolutely responsible for any information you post or transmit through use of this website. You further agree to use this website only in a manner that is wholly consistent with all applicable laws and regulations.

Unless otherwise specified, the FAMS Sites/Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the FAMS Sites/Services.

When using FAMS Communication Services, you agree that you will not:

• Use the FAMS Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming, or any duplicative or unsolicited messages.
• Violate the legal rights of others.
• Use any material or information, including images or photographs, in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right.
• Harvest or otherwise collect information about others, including email addresses.
• Violate any applicable laws or regulations.
• Create a false identity for the purpose of misleading others.

FAMS reserves the right to review materials posted to a FAMS Communication Service and to remove any materials in its sole discretion, and to terminate your access to any or all Communication Services at any time, without notice, for any reason.

6. Links to Third Party Sites

The FAMS Sites/Services may contain links to third-party websites ("Linked Sites"). Linked Sites are not under the control of FAMS and FAMS is not responsible for the contents of any Linked Site, or any changes or updates to a Linked Site. FAMS is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by FAMS of the site or any association with its operators.

You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties included within the FAMS Sites/Services are solely between you and the other third party.

7. Liability Disclaimer

The information, software, products, and services included in or available through the FAMS Sites/Services may include inaccuracies or typographical errors. FAMS may make improvements and/or changes in the FAMS Sites/Services at any time. Advice received via the FAMS Sites/Services should not be relied upon for personal, medical, legal, or financial decisions — you should consult an appropriate professional for specific advice tailored to your situation.

FAMS makes no representations about the suitability, reliability, availability, timeliness, or accuracy of the information, software, products, and services contained within the FAMS Sites/Services for any purpose. All such information, software, products, services, and related graphics are provided "as is" without warranty of any kind.

If you are dissatisfied with any portion of the FAMS Sites/Services, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the FAMS Sites/Services.

8. Termination / Access Restriction

FAMS reserves the right to terminate your access to any or all FAMS Sites/Services and related services or any portion thereof at any time, without notice. FAMS may also terminate or suspend your access for inactivity, defined as failing to log into a particular service for a period of ninety (90) days or more. Upon termination of the FAMS Sites/Services, your right to use the FAMS Sites/Services immediately ceases.

9. General

This agreement is governed by the laws of the State of Georgia, U.S.A. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Dekalb County, Georgia, U.S.A. in all disputes arising out of or relating to the use of the FAMS Sites/Services.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and FAMS as a result of this agreement or use of the FAMS Sites/Services. You agree to indemnify and hold FAMS, its parents, subsidiaries, affiliates, officers, and employees harmless from any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on the FAMS Sites/Services.

If any part of this agreement is determined to be invalid or unenforceable, 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.

10. Additional Terms

You represent and warrant that: (1) you are at least 18 years of age or the age required or allowed under applicable law for making a legal and binding contract; (2) all information that you submit is true and accurate; and (3) you are an individual (or, in the case of an entity, an agent of the entity) authorized to use the designated Payment Method.

You agree to pay for all charges and to comply with your responsibilities and obligations as stated in this agreement. If you are an agent of an entity user, you represent and warrant that you are duly authorized to legally bind the entity to all terms and conditions of this agreement.

11. Consumer Disclosures and Consents for Electronic Information

All information that FAMS is required by law to send to you, including any billing and payment information ("required information"), may be provided to you in electronic form. FAMS may provide all required information to you in electronic form either:

• Via email at the email address you specify during sign-up;
• By access to a FAMS website designated in an email notice sent to you at the time the information is available; or
• To the extent permissible by law, by access to a FAMS website generally designated in advance for such purpose.

12. Requesting Copies of Records

FAMS is not responsible for keeping records previously provided to you in electronic form. However, FAMS may provide you with the requested information, if available, in other forms. FAMS may charge a reasonable fee for providing such information.

13. Consent to Receive Information in Electronic Form

You agree that by accepting the terms of service in this agreement, you consent to receive requested information and confirm that your telephone and/or computer satisfies the hardware and software requirements for receiving, accessing, displaying, printing, and storing copies of such required information.

You agree and consent to receive all information provided by FAMS by text messages, emails, and virtual agent communications. You have the option to opt out of receiving text messages, emails, or virtual agent communications by following the instructions provided in the communication or by contacting FAMS customer support at the address provided on the Contact Us page.

If you withdraw this consent, FAMS may terminate any services or other items provided to you under this agreement.

Notices & Disclosures

Financial Asset Management Systems, Inc. is a debt collection agency. This is an attempt to collect a debt, by a debt collector, and any information obtained will be used for that purpose. Calls to and from FAMS may be monitored and/or recorded.

Financial Asset Management Systems, Inc. does not provide any language access services other than English. All debt collection attempts and communications from FAMS collectors, managers, and personnel will be conducted in English only. Consumers may not obtain from FAMS or our debt collectors a translation of any communication into a language other than English.

A translation and description of commonly-used debt collection terms is available in multiple languages on New York City's Department of Consumer Affairs' website: www.nyc.gov/dca.