Terms of Use
Effective Date: January 4, 2024
Last Updated: January 4, 2024
PLEASE READ THESE TERMS OF USE (“TERMS”) CAREFULLY. BY
ACCESSING OUR SITE, USING THE SERVICES, OR CLICKING ON A BOX
OR ICON, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT
AGREE TO THESE TERMS, YOU MAY NOT USE THE SITE OR SERVICES AND
MUST DISCONTINUE YOUR USE OF THE SITE AND SERVICES.
To print our full Terms of Use, click
here.
To view our Privacy Policy, click
here.
Ownership of Site
Welcome to
www.cashfactoryusa.com,
including any linked websites and mobile applications (the
“Site”). The Site is owned and operated by 2233 Paradise Road
LLC, and its subsidiaries and affiliates operating under the
Cash Factory USA brand (collectively, “CFU,” “Company,” “we,”
“our,” or “us”). These Terms govern your use of the Site and
any of the products and services made available via the Site
(“Services”). These Terms govern your use of the Site and any
of the products and services made available via the Site
(“Services”). Your compliance with these Terms is a condition
to your use of the Site and Services. By using our Site or
using or applying for a Service, you are agreeing to these
Terms and the terms of our
Privacy Policy.
These Terms constitute a legal contract between you and
Company governing your use of the Site and Services, to the
extent not superseded by the terms and conditions of any
contract we enter into with you for Services.
Please see the “Additional Terms” section below for more
information.
Modifications
We may, from time to time, make modifications, changes or
additions to these Terms. You agree that your continued use of
the Site or Services following the posting of such changes is
your acceptance of such changes. Therefore, you should visit
this page periodically to review any changes to the Terms.
Eligibility
The Services are not available to persons under the age of 18
(but note that the minimum age requirement may be higher in
some states) or to persons who are not legal residents of the
United States. BY USING THE SITE, APPLYING FOR OR USING ANY OF
THE SERVICES, YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST
18 YEARS OF AGE OR THAT YOU ARE AT LEAST THE MINIMUM AGE THAT
IS REQUIRED IN YOUR STATE AND ARE A LEGAL RESIDENT OF THE
UNITED STATES. Not all Services are available in all
geographic areas. Your eligibility for particular Services is
subject to final determination by Company, its affiliates,
and/or its partner lenders. To obtain a loan, you must apply
online, have a valid checking account, and meet certain
minimum income requirements. Final approval, loan amount, term
and APR that you may qualify for may vary based on your
creditworthiness, credit history, or other relevant factors.
Annual Percentage Rate (APR) is the cost you pay each year to
borrow money, including any fees charged for the loan,
expressed as a percentage. The APR is a broader measure of the
loan cost because it reflects both the interest rate and also
any fees associated with the loan. Approved loan funding is
generally deposited to your designated account within one
business day after loan approval, if signed by you and
approved by lender by 5PM PT Monday through Friday, excluding
weekends and holidays. Actual availability of funds depends on
your financial institution’s policies and procedures.
Registration
While you may use the Site without registering, certain
functionalities or areas of the Site require you to register
and create a username and password in order to access such
portions of the Site. You may not share your username or
password with others. You are solely responsible for (i)
authorizing, monitoring, controlling access to and maintaining
the confidentiality of your username and password, (ii)
informing us, in writing, of any need to deactivate a username
due to security, confidentiality or other concerns, and (iii)
any charges or damages that may be incurred by use of your
username and password, for any reason, until such time as you
tell us to deactivate your account or other such notification
that your account has been compromised or such other
unauthorized use. We are not liable for any harm related to
any authorized or unauthorized use of your username or
password.
Information Collected and Used
Information You Provide to Us
We collect information you provide to us, for example when you
create or modify your account, submit an application for
credit, register to use our Site, purchase or request products
or services from us, request information from us, contact
customer support, or otherwise communicate with us. This
information may include: name; home address; email address;
home, work, and mobile telephone numbers; bank and/or other
account numbers; date of birth; Social Security Number;
driver’s license or other national, state, or government ID
numbers; employment, salary and other financial information,
or other personal or non-public information.
Federal law requires all financial institutions to obtain,
verify, and record information that identifies each person who
opens an account. This means that the information you provide
will, among other permissible uses, be used to verify your
identity. Applications or information submitted on this Site
may be evaluated for credit offered by Company, or to the
extent Flexibility may operate as a credit services
organization, credit extended by a third-party lender.
Flexibility operates as a licensed Credit Access Business
and/or Credit Services Organization. For additional
information regarding the rates and terms of services and
products offered in your state of residence, please visit the
Rates and Terms
page of the Site.
Information We Collect Automatically
Location / Geolocation
By accessing the Site, you acknowledge and agree that CFU may
be able to determine the physical location of your device or
other technology device using your IP address or other
identifying information, such as your email address.
Information We Collect Through Your Use of Our Site
Technical Information and Tracking
In order to personalize and enhance your experience, we may
collect information through “cookies,” “applets” and similar
technologies (“Trackers”). Trackers are sent by the Site to
your browser and may be stored by your browser on your device.
By using the Site, including by creating an account or
applying for a loan, you are giving us permission to use
Tracking technology. We may use Trackers: (1) to help diagnose
problems with our servers, improve user experience and to
administer our Site; (2) to better understand the
effectiveness of our marketing efforts, and in some cases to
follow up with you later on business related to use of the
Site; (3) to protect our company and its users from malicious
activities including hacking and fraud; (4) to ensure that
certain aspects of the Site function correctly, or function in
a manner designed to suit your needs. Similarly, we may use
other Cookies and technologies to collect information on user
behavior (e.g., screens and pages visited, buttons and links
clicked, limited information entered, and user taps and mouse
movements). This information enables us to monitor and improve
the user experience.
Flexibility’s Trackers do not contain any personally
identifiable information about you; however, Flexibility may
be able to identify you individually by combining information
in the Trackers with our internal records. Most web browsers
automatically accept cookies and other types of Trackers, but
it is possible to change your browser setup so that it does
not accept Trackers; however, if you reject our cookies and/or
other Trackers, you may not be able to access certain portions
of the Site.
Google Analytics
We may use Google Analytics, a web analytics service provided
by Google LLC (“Google”) to collect certain information
relating to your use of the Site. Google Analytics uses
cookies. You can find out more about how Google uses data when
you visit our Site by visiting “How Google uses data when you
use our partners’ sites or apps”, (located at
www.google.com/policies/privacy/partners/).
Third-Party Analytics
We may use third-party analytics tools or other similar
services to better understand our users’ needs and interaction
with our Site, and to optimize the service and experience,
(e.g., how much time users spend on which pages, which links
they choose to click, what users do and do not like, etc.).
This enables us to build and maintain our service with user
feedback. These tools use cookies and other technologies to
collect data on our users’ behavior and their devices,
including, a device’s IP address (processed during your
session and stored in a de-identified form), device screen
size, device type (unique device identifiers), browser
information, and geographic location. The providers of these
tools may store this information on our behalf in a
pseudonymized user profile. Such providers are contractually
forbidden to sell any of the data collected on our behalf.
Third-Party Solutions
We may use or integrate with third-party service providers to
offer better and faster services, including third-party
account verification solutions such as Flinks Technologies or
other fintech solutions providers. Such providers are
independent entities and bear no responsibility for Company’s
services or the unauthorized use of user data while such data
is in Company’s possession. The information provided by these
service providers does not represent an official record of
your account with your financial institution. By electing to
use their services, you grant all licenses and rights
necessary for the third-party service provider to perform the
applicable data processing contemplated. Furthermore, such
services may be revoked or discontinued by Company or the
applicable service provider, at any time.
Sharing Information
We share your information in accordance with the terms of our
Privacy Policy and may share such information with service
providers, agents, affiliates, and other people (including but
not limited to other providers of consumer financial products
or services) with whom we enter into an agreement to provide
such information to the extent it is necessary to conduct
business. In addition, we will disclose information we
maintain, including personally identifiable information: : (i)
when required to do so by law, or may disclose such
information in response to a request from a law enforcement
agency or authority or any regulatory authority; (ii) to
protect the integrity or security of our Site or the
interests, rights, or property of CFU; (iii) to enforce the
Site’s Terms of Use; (iv) to verify consumer identities,
eligibility, creditworthiness, or to check for information
accuracy, potential fraud, identity theft, or other military
or government-designated statuses; or (v) to report to report
loan history and performance to credit reporting agencies.
Third-Party Sites and Advertisements
Our Site may reference or provide links to third-party
websites, services and/or products, which may include third
party advertisements. CFU does not control third- party
websites and cannot be responsible for the content or privacy
policies of any third-party websites or web pages.
Accordingly, you should review the privacy policies and terms
of use applicable to any third-party websites, including those
referenced or linked through the Site.
Site Security
You acknowledge that use of a username and a password is an
adequate form of security. You acknowledge and agree that
Internet transmissions are never completely private or secure
and that any message or information you send to the Site may
be read or intercepted by others, notwithstanding our efforts
to protect such transmissions. In addition, as a condition of
your use of this Site, you agree that you will not take any
action intended to: (i) access data that is not intended for
you; (ii) invade the privacy of, obtain the identity of, or
obtain any personal information about any CFU customer or user
of this Site; (iii) probe, scan or test the vulnerability of
this Site or the CFU network or breach security or
authentication measures without proper authorization; (iv)
attempt to interfere with service to any user, host or network
or otherwise attempt to disrupt our business, including,
without limitation, via means of submitting a virus to this
Site, overloading, “flooding,” “spamming,” “mail bombing” or
“crashing; “ or (v) send unsolicited mail, including
promotions and/or advertising of products and services.
Violations of system or network security may result in civil
or criminal liability.
We use industry standard physical, technical, and
administrative security measures and safeguards to protect the
confidentiality and security of your personal information.
However, since the Internet is not a 100% secure environment,
we cannot guarantee, ensure, or warrant the security of any
information you transmit to us. There is no guarantee that
information may not be accessed, disclosed, altered, or
destroyed by breach of any of our physical, technical, or
managerial safeguards. It is your responsibility to protect
the security of your login information. Please note that
e-mails and other communications you send to us through our
Site are not encrypted.
Consent to be Contacted
By submitting your contact information to us, you are
expressly consenting to be contacted by us by telephone, email
or postal mail even if you have opted into the national Do Not
Call List administered by the Federal Trade Commission, any
state equivalent Do Not Call List or the Do Not Call List of
any specific institution.
We may contact you for application and loan servicing,
including without limitation, for matters related to your loan
or application; to remind you of upcoming payments; or for
collections and other loan-related issues.
By submitting your contact information, registering for an
account, applying for a Service or beginning an application
for a Service, you are consenting to be contacted by us by
written notices, email messages, text messages, or telephone,
at any email address or mailing address we have for you in our
records or from other public and nonpublic databases we may
lawfully access, and, in connection with any such telephone
calls, you consent to the use prerecorded/artificial voice
messages and/or automatic dialing devices, at any telephone
number associated with your account, including mobile
telephone numbers that could result in charges to you for
matters related to your loan or application, such as reminding
you of upcoming payments, collections, and other loan-related
issues. Where allowed by law, we also may contact other
individuals who may be able to provide updated employment,
location and contact information for you.
You hereby further consent that we may utilize third party
service and other providers for the purposes of contacting you
on our behalf in accordance with the Terms.
You may change your contact preferences by contacting us at
support@cashfactoryusa.com.
Intellectual Property
The Site is protected by United States and international
copyright and trademark laws and other applicable intellectual
property laws, and together with any material made available
for download, any content, files, code, documents, text,
photographs, images, audio, and video, and any materials
accessed through or made available for use or download through
this Site (collectively, the “Content”) may not be copied,
distributed, modified, reproduced, published or used, in whole
or in part, except for purposes authorized or approved, in
writing, by CFU. You may not frame or utilize framing
techniques to enclose, or deep link to, our names, trademarks,
service marks, logos, Content or other proprietary information
without our express written consent. You are authorized solely
to view and retain a copy of the pages of the Site for your
own personal, non- commercial use. Additionally, you agree
that you will not (i) remove or alter trademark or other
proprietary notice or legend displayed on the Site (or printed
pages produced from the Site); and (ii) make any other
modifications to any documents obtained from the Site other
than in connection with completing information required to
transact business with CFU.
Submissions, Reviews, Feedback and other Postings to the Site
If you submit, upload or post any comments, ideas,
suggestions, information, files, images or other materials to
us or the Site, or if you submit any materials through third
party services, such as by tagging us on Instagram
(collectively, “Submissions”), you represent and warrant that
you are the owner of or have the necessary rights and licenses
to provide such Submissions. You further agree to, and hereby
grant to us, a royalty-free, irrevocable, and fully
transferable right and license to use the Submissions at our
discretion and to use your name as provided in connection with
your Submission or as set forth in your account. Please do not
provide any Submissions that (i) are abusive, unlawful,
obscene, or harmful, or that could encourage criminal or
unethical behavior, (ii) violate or infringes the intellectual
property or privacy rights of any person or entity, or (iii)
contain or transmit a virus or any other harmful component. We
take no responsibility and assume no liability for any
Submissions provided by you or any third party, and under no
circumstances shall we be liable for any user Submissions,
including, but not limited to any loss or damage that results
from the Submissions being transmitted or made available on
the Site or through the use of the Site and Services. CFU
shall not be subject to any obligations of confidentiality
regarding such Submissions except as may be expressly agreed
in writing by CFU or as otherwise specifically required by
law.
Access to Your Information and Choices
You can access and update certain information we have relating
to your online account by signing into your account and going
to the account home section of our Site. If you have questions
about personal information we have about you or need to update
your information, you can contact us at
support@cashfactoryusa.com or call us at
855-374-5626
. You can opt-out of receiving marketing and promotional
e-mails from CFU by using the opt-out or unsubscribe feature
contained in the emails and located in your account homepage.
It is your responsibility to ensure that any personally
identifiable information provided is accurate, complete and up
to date.
After you pay off your account balance in full, we may retain
a copy of the information for archival purposes, to comply
with state and federal laws, and to avoid identity theft or
fraud.
Sweepstakes & Other Promotions
From time to time, CFU may conduct promotions on or through
the Site, including without limitation, limitation, contests,
sweepstakes and other promotions (“Promotions”). Each
Promotion may have additional terms and/or rules of
participation (“Promotion Rules”), which will be posted or
otherwise made available to you. The Promotion Rules for each
Promotion in which you participate will be deemed incorporated
into and form a part of these Terms for the Promotions. It is
your responsibility to read the Promotion Rules to determine
whether or not your participation, registration, or entry will
be valid or restricted, and to determine your participation
requirements.
Digital Millennium Copyright Act Notice / Claims of Copyright
Infringement & Related Issues (17 U.S.C. § 512)
We respect the intellectual property rights of others. If you
believe work has been reproduced in a way that constitutes
copyright infringement, you may notify our agent by providing
the following information:
-
Identification of the copyrighted work that you claim has
been infringed, or, if multiple copyrighted works at a
single online site are covered by a single notification, a
representative list of such works at the site;
-
Identification of the material that you claim is infringing
and needs to be removed, including a description of where it
is located so that the copyright agent can locate it; Your
address, telephone number, and, if available, e-mail
address, so that the copyright agent may contact you about
your complaint; and
-
A signed statement that the above information is accurate;
that you have a good faith belief that the identified use of
the material is not authorized by the copyright owner, its
agent, or the law; and, under penalty of perjury, that you
are the copyright owner or are authorized to act on the
copyright owner’s behalf in this situation.
Upon obtaining such knowledge, we will act expeditiously to
remove, or disable access to, the material. Please be aware
that there are substantial penalties for false claims. If a
notice of copyright infringement has been wrongly filed
against you, you may submit a counter notification to our
agent. A valid counter notification is a written communication
that incorporates the following:
-
A physical or electronic signature of the poster;
-
Identification of the material that has been removed or to
which access has been disabled and the location at which the
material appeared before it was removed or access to it was
disabled;
-
A statement under penalty of perjury that you have a good
faith belief that the material was removed or disabled as a
result of mistake or misidentification;
-
Your name, address, and telephone number; a statement that
you consent to the jurisdiction of federal district court
for the judicial district in which your address is located,
or if your address is outside of the U.S., For any judicial
district in which the service provider may be found; and
that you accept service of process form the complainant.
-
Notices of the foregoing copyright issues should be sent as
follows:
By Mail: Cash Factory USA, Attn: Legal Department, 750 Pilot
Rd., STE A, Las Vegas, NV 89119.
By E-Mail: legal@cashfactoryusa.com
By Facsimile: 702.623.6837
If you give notice of copyright infringement by e-mail, an
agent may begin investigating the alleged copyright
infringement; however, we must receive your signed statement
by mail or as an attachment to your e-mail before we are
required to take any action. This information should not be
construed as legal advice. For further information about the
DMCA, please visit the website of the United States Copyright
Office at
https://www.copyright.gov/onlinesp
Disclaimer of Warranty
WE DO NOT WARRANT THAT ACCESS TO OR USE OF THE SITE OR
SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS
OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED. THIS
SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT
OR ANY SERVICE, IS PROVIDED “AS IS,” AND “AS AVAILABLE” WITH
ALL FAULTS, WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND,
EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,
THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, QUALITY OF INFORMATION, QUIET ENJOYMENT,
TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THE ACCURACY,
COMPLETENESS OR TIMELINESS OF THE INFORMATION OBTAINED THROUGH
THE SITE. WE DO NOT WARRANT THAT FILES AVAILABLE FOR DOWNLOAD
WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER
DESTRUCTIVE PROGRAMMING. YOU ARE RESPONSIBLE FOR IMPLEMENTING
PROCEDURES SUFFICIENT TO SATISFY YOUR NEEDS FOR DATA BACK UP
AND SECURITY.
LIMITATION OF LIABILITY
EXCEPT WHERE PROHIBITED BY LAW, NEITHER FLEXIBILITY, NOR ITS
DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS,
SUCCESSORS OR ASSIGNS THEREOF, SHALL BE LIABLE TO YOU FOR ANY
INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE
DAMAGES, INCLUDING LOST PROFITS ARISING OUT OF OR IN
CONNECTION WITH THIS SITE, THE SERVICES OR CONTENT, OR YOUR
INABILITY TO ACCESS OR USE ANY OF THE FOREGOING, OR ANY OTHER
ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR
TRANSMISSION, COMPUTER VIRUS OR FAILURE, EVEN IF WE HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE
EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT BETWEEN YOU AND US,
OUR MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR
RELATING TO THIS SITE, THE SERVICES, SUBMISSIONS OR THE
CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE WILL NOT
EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT
YOU HAVE PAID US IN THE PAST TWELVE MONTHS WITH RESPECT TO THE
INCIDENT GIVING RISE TO THE CAUSE OF ACTION. The foregoing
limitation applies to the extent permitted by law in the
applicable jurisdiction.
Indemnification
You agree to defend, indemnify and hold CFU and its affiliates
and its and their directors, officers, employees, agents,
contractors, successors or assigns thereof harmless from and
against all third party claims, damages and expenses
(including reasonable attorneys’ fees) against or incurred by
us arising out of your breach of these Terms or violation of
applicable law, any of your Submissions, your use of or access
to the Site, or access by anyone accessing the Site using your
account. We reserve the right to assume or participate, at
your expense, in the investigation, settlement, and defense of
any such action or claim.
Additional Terms
Certain features or Services available through the Site may be
subject to additional terms, which will be presented to you at
that time. In the event of a conflict between these Terms and
such additional terms, the additional terms will govern with
respect to such features and Services. Nothing herein shall be
deemed to alter or amend any contract for credit, loan
agreement, or any credit services arrangement entered into by
or between you, Company or any affiliated creditor or third
party.
Minors
This Site is not directed at children under the age of
thirteen (13). In compliance with the Children’s Online
Privacy Protection Act, we do not knowingly collect or solicit
personally identifiable information from anyone under 13 years
of age. In addition, children under the age of 18 years may
not use our services or register for an account. By using the
Site, you represent that you are at least 18 years of age. By
using the Site to apply for a loan, or registering for an
account with CFU, you represent that you are at least 18 years
of age (or at least the age of majority in the state in which
you reside), and that you have the right to form legally
binding contracts and to perform your obligations hereunder.
Law and Venue
This Site is located in the State of Nevada. These Terms and
the relationship between you and CFU shall be governed by the
laws of the State of Nevada without regard to its conflicts of
law provisions.
ARBITRATION
THIS ARBITRATION SECTION DOES NOT APPLY IF (1) YOU ARE A
MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH A MEMBER
COVERED BY THE FEDERAL MILITARY LENDING ACT AND (2) OUR
DISPUTE INVOLVES THE EXTENSION OF CONSUMER CREDIT.
Certain portions of this Section are deemed to be a “written
agreement to arbitrate” pursuant to the Federal Arbitration
Act. You and CFU agree that each of the parties intends that
this Section satisfies the “writing” requirement of the
Federal Arbitration Act. This Section can only be amended by
mutual agreement.
Initial Attempt at Resolution of Disputes and Excluded
Disputes
. If any controversy, allegation, or claim arises out of or
relates in any way to the Site, Content, Submissions or these
Terms (collectively, “Dispute”), excluding any claims relating
to any of CFU’s actual or alleged intellectual property
rights, and without invalidating any dispute resolution or
arbitration terms agreed to by you and Us in any Additional
Terms (an “Excluded Dispute”, which includes those actions set
forth below under Injunctive Relief), then both you and CFU
agree to send a written notice to the other providing a
reasonable description of the Dispute or Excluded Dispute,
along with a proposed resolution of it. CFU’s notice to you
will be sent to you based on the most recent contact
information that you provide us. However, if no such
information exists or if such information is not current, then
we have no obligation under this sub-Section to send such
notice. Your notice to CFU must be sent to: Cash Factory USA,
Attn: Legal Department, 750 Pilot Rd., STE A, Las Vegas, NV
89119. For a period of thirty (30) days from the date of
receipt of notice from the other party, CFU and you will
engage in a dialogue in order to attempt to resolve the
Dispute or Excluded Dispute, though nothing will require
either you or CFU to resolve the Dispute or Excluded Dispute
on terms with respect to which you and CFU, in each party’s
sole discretion, are not comfortable.
Forums for Alternative Dispute Resolution
.
Arbitration
.
If CFU is unable to resolve a Dispute as set forth in the
section above within thirty (30) days of receipt of the
notice, then either party may submit the Dispute to formal
arbitration in accordance with this sub-Section.
By using this Site, you and we agree to arbitrate all Disputes
and claims through confidential binding individual
arbitration, including, without limitation, all claims
regarding the validity, scope, or enforceability of this
arbitration provision. In arbitration, a Dispute is resolved
by an arbitrator instead of a judge or jury. Arbitration
procedures are private, less formal, and more limited than
court proceedings. You agree that if either you or We elect
arbitration (1) THE PARTIES ARE EACH WAIVING THE RIGHT TO A
COURT OR JURY TRIAL; (2) ALL DISPUTES SHALL BE ARBITRATED ON
AN INDIVIDUAL BASIS AND YOU AND BOTH PARTIES ARE WAIVING THE
ABILITY TO SERVE AS A PRIVATE ATTORNEY GENERAL OR BRING A
CLASS ACTION, REPRESENTATIVE ACTION, CLASS ARBITRATION OR ANY
SIMILAR PROCEEDING; AND (3) THE PARTIES AGREE AND ACKNOWLEDGE
THAT THEY MAY NOT HAVE THE ABILITY TO ENGAGE IN INFORMATION
GATHERING OR DISCOVERY AT ALL OR TO THE SAME EXTENT AS IN
COURT.
Electing Arbitration
: To start an arbitration proceeding, either You or We may
elect to arbitrate a Dispute by giving the other party written
notice of the intent to arbitrate the Dispute, or by filing a
motion to compel arbitration of the Dispute. This notice may
be given before or after a lawsuit has been filed concerning
the Dispute or with respect to other Disputes brought later in
the lawsuit, and it may be given by papers filed in the
lawsuit.
Choosing the Administrator
: The arbitration administrator will be: American Arbitration
Association ("AAA"), 1633 Broadway, 10th Floor, New York, NY
10019, www.adr.org. You may contact the AAA directly if you
have any questions about the way they conduct arbitrations, or
if You want to obtain a copy of their rules and forms (which
are also available on their websites). However, if AAA is
unable or unwilling to serve as administrator, no company may
serve as administrator without the consent of all parties, if
it adopts or has in place any formal or informal policy that
is inconsistent with and purports to override the terms of the
Class Action Waiver in this Arbitration Provision.
You can obtain AAA procedures, rules, and fee information as
follows:
By calling AAA at: 800.778.7879
By visiting the AAA website at
https://www.adr.org.
Nature, Limitations, and Location of Alternative Dispute
Resolution
. In arbitration, as with a court, the arbitrator must honor
these Terms and can award the prevailing party damages and
other relief (including attorneys’ fees). However, WITH
ARBITRATION (A) THERE IS NO JUDGE OR JURY, (B) THE ARBITRATION
PROCEEDINGS AND ARBITRATION OUTCOME ARE SUBJECT TO CERTAIN
CONFIDENTIALITY RULES, AND (C) JUDICIAL REVIEW OF THE
ARBITRATION OUTCOME IS LIMITED. All parties to the arbitration
will have the right, at their own expense, to be represented
by an attorney or other advocate of their choosing. If an
in-person arbitration hearing is required, then it will be
conducted in the “metropolitan statistical area” (as defined
by the U.S. Census Bureau) where you are a resident at the
time the Dispute is submitted to arbitration. Each party is
responsible to pay the applicable administrative and
arbitrator’s fees and other costs in accordance with the
applicable arbitration rules; but if applicable arbitration
rules or laws require CFU to pay a greater portion or all of
such fees and costs in order for this Section to be
enforceable, then CFU will have the right to elect to pay the
fees and costs and proceed to arbitration. Discovery will be
permitted pursuant to the applicable arbitration rules. The
arbitrator’s decision must consist of a written statement
stating the disposition of each claim of the Dispute, and must
provide a statement of the essential findings and conclusions
on which the decision and any award (if any) is based.
Judgment on the arbitration decision and award (if any) may be
entered in or by any court that has jurisdiction over the
parties pursuant to Section 9 of the Federal Arbitration Act.
No arbitration award involving the parties will have any
preclusive effect as to issues or claims in any dispute
involving anyone who is not a party to the arbitration, nor
will an arbitration award in prior disputes involving other
parties have preclusive effect in an arbitration between the
parties to this Arbitration provision.
Injunctive Relief
. The foregoing provisions of this Arbitration section will
not apply to any legal action taken by CFU to seek an
injunction or other equitable relief in connection with, any
loss, cost, or damage (or any potential loss, cost, or damage)
relating to the Site, Services, any Content, Submissions
and/or CFU’s intellectual property rights.
Small Claims Matters are Excluded from Arbitration Requirement
. Notwithstanding the foregoing, either party may bring
qualifying claim of Disputes in small claims court, subject to
the Section Federal and State Courts in Clark County, NV
below.
No Class Action Matters
. Disputes will be arbitrated only on an individual basis and
will not be consolidated with any other arbitration or other
proceedings that involve any claim or controversy of any other
party. But if, for any reason, any court with competent
jurisdiction or any arbitrator selected pursuant to the
Arbitration sub- Section above holds that this restriction is
unconscionable or unenforceable, then the agreement in the
Forums for Alternative Dispute Resolution Section above to
arbitrate will not apply and the Dispute must be brought
exclusively in court pursuant to the Section directly below.
Federal and State Courts in Clark County, NV
. Except to the extent that arbitration is required in Forums
for Alternative Dispute Resolution Section above, and except
as to the enforcement of any arbitration decision or award,
any action or proceeding relating to any Dispute may only be
instituted in state or federal court in Clark County, Nevada.
Accordingly, both you and CFU consent to the exclusive
personal jurisdiction and venue of such courts for such
matters.
Reasonable Accommodation
Individuals with disabilities who require an accommodation to
access our products or services should contact us via email at
support@flexibility.com; by telephone at (702) 637-7020; or by
mail at 750 Pilot Rd., STE A, Las Vegas, NV 89119. Please note
that we may need advance notice to provide certain
accommodations.
Miscellaneous
Any failure by CFU to exercise any rights or enforce
any of these Terms shall not constitute a waiver of such
rights or Terms. If any provision of these Terms or their
application in a particular circumstance is held to be invalid
or unenforceable to any extent, the remainder of these Terms,
or the application of such provision in other circumstances,
shall not be affected thereby, and each provision hereof shall
be valid and enforced to the fullest extent permitted by law.
These Terms constitute the entire agreement between you and
CFU with regard to your use of the Site, Services or
the Content, and any and all other written or oral agreements
or understandings previously existing between you and
CFU with respect to such use are hereby superseded and
cancelled. CFU will not accept any counter-offers to
these Terms, and all such offers are hereby rejected.
This Site, the Services and its Content are directed to
persons residing in the United States or its territories. You
may not use or export or re-export any portion of this Site,
Services or its Content in violation of any applicable laws or
regulations, including without limitation United States export
laws and regulations.