LoanMart Small Business Loans Online Policies and Agreements

Online Privacy Policy, Account Services Agreement, and Terms of Use

Effective September 25, 2014

In these LoanMart Small Business Loans ("LoanMart") website policies and agreements (the "Online Policies and Agreements"), "you" and "your" mean each customer and collectively all customers on an Account as defined below and/or each user of the Website, as applicable; "we," "us" and "our" mean LoanMart; and "Website" means Smallbusiness.LoanMart.com, and our mobile websites.

If you are our customer, by clicking "I Accept," you agree to the Online Account Services Agreement, Online Privacy Policy and Online Terms of Use. If you are not a customer or a customer using other than your Online Account Services as defined below, you agree to the Online Privacy Policy and Terms of Use by use of the Website.

The "Online Policies and Agreements" means the Online Account Services Agreement, Online Privacy Policy and/or Online Terms and Conditions.

Online Account Services Agreement (applicable to LoanMart customers with Online Account Services)

Online Privacy Policy (applicable to all Website users)

Online Terms of Use (applicable to all Website users)

Online Account Services Agreement (applicable to LoanMart Customers with Online Account Services)

You are our customer and have one or more loan agreement with us (each an "Account," collectively, your "Accounts") and are registered or registering for online account services on the Website ("Online Account Services").

  1. Communications Consent. We, our agents and service providers or any assignees of the foregoing (individually and collectively, as applicable in this Communications Consent section, "we" or "our") may call you, leave you a voice, prerecorded or artificial voice message or send you a text, email or other electronic message for any purpose related to your Accounts, our products and services, or surveys or research (each a Communication"). We may include your personal information in a Communication and conduct a Communication using an automated dialing machine and any contact information we have for you, including a cell phone number. We will not charge you for a Communication but your service provider may do so. You understand and agree to the terms of this Communication Consent section and that we may always communicate with you in any manner permissible by law that does not require your consent.

  2. Mobile Access. The Online Policies and Agreements also apply when you access the Website using your mobile phone, smartphone or other mobile device (each a "Mobile Device"). We will not charge you to access the Website using a Mobile Device. However, your Mobile Device access service provider may charge you access rates and fees. To access the Website using your Mobile Device, the Website must support your Mobile Device as described in the Consent to Electronic Communications and Agreements.

  3. Privacy Choices for Personal Family or Household Purpose Accounts. If your Account is for personal, family or household purposes, you will have privacy choices regarding the use and sharing of your customer information. You may change those privacy choices in accordance with our Privacy Policy to limit our ability to share.

    Please refer to our Privacy Policy we mail to you for a full explanation of the privacy choices applicable to you. You receive a customer Privacy Policy from us when you first become our customer and at least once a year thereafter.

  4. Online Bank Payment Terms and Conditions.

    1. General Description of Online Payment Features. Online payment options are a service available to our customers who register for Online Account Services. Except as otherwise explained in these Pay Online Terms and Conditions, you may use Online Make a Payment to authorize one-time or recurring electronic payments on one or more of your Accounts ("Online Bank Payment"). You acknowledge that the origination of electronic debit transactions to your bank account must comply with the provisions of United States law and the rules of the National Automated Clearinghouse. Payments made using a credit card are done by an outside vendor, and by choosing that method, you will separately agree to their terms and conditions.

    2. Choosing the Amount and Post Date of Payments Scheduled using the Online Bank Payment feature. Using the Online Bank Payment feature, you may authorize a one-time or recurring payment in any amount from $20.00 to $2,000.00 including an amount that is more or less than the total monthly payment due under your Account.

      You may designate a posting date for a one time or recurring payment that is before or after the due date of any payment due under your Account, depending on your current Account status.

      Regardless of the payment amount or payment effective date you schedule using the Online Bank Payment feature, you are responsible for complying with all of the terms and conditions of your Account, including, without limitation, your agreement to make all payments when due and in the amount required by your Account. Therefore, we recommend that when using Online Bank Payment, you schedule your payments in amounts and with effective dates that will satisfy your payment obligations under your Account. If you do not make any payment when due and in the amount required by your Account, regardless of whether that payment is made using Online Bank Payment or any other payment method, we will have the rights and remedies available under your Account or otherwise available at law or in equity.

      You understand and agree that when using the Online Bank Account to make a payment, any payment posted after 3:00PM Pacific Standard Time will be credited to your account on the following business day.

    3. Authority to use Online Bank Account to make a payment. You promise that you have the authority to authorize us to debit the scheduled payment(s) from the bank account you have chosen.

    4. Prepayment of your Account. You understand and agree that if you schedule a one-time or recurring payment using Online Bank Payment, that payment will be processed even if your Account is prepaid at the time of processing or the payment results in a prepayment of your Account. You may contact our customer service at 888-418-9459 if you need assistance in determining whether prepayment of your Account benefits you.

    5. Insufficient Funds. Funds must be available in the linked bank account when an Online Bank Payment electronic payment is processed against that account. If a scheduled Online Bank Payment fails because the linked bank account contains insufficient funds to satisfy the entire amount of your scheduled payment, you are not relieved of your responsibility to timely pay any amount then due in accordance with the terms and conditions of your Account and your loan agreement.

    6. Termination or Revocation of Online Bank Payment Services by You. You may terminate or revoke Online Bank Payment Services by following the online instructions.

    7. Editing or Canceling Online Bank Payments. To edit or cancel scheduled Online Bank Payments, follow the online instructions.

    8. Fees for use of Pay Online. Right now, we will not charge you any monthly or payment transaction fees to use Pay Online, unless you are paying by debit or credit card. We will notify you if we decide to impose any fees for use of Pay Online through the Bank Payment feature in the future. Nothing in this paragraph relieves you of your responsibility to pay any amount, fee or charge you may owe us under your Account. Also, you will be responsible for paying any amount you may owe other persons or companies related to the use of Pay Online or any bank account linked to Pay Online. For example, credit and debit card payments are made through a third party who imposes a convenience fee, and a bank may charge a fee in connection with electronic payments debited to (taken from) a bank account you have linked to your Account in Pay Online.

    9. Account Management Email Address. When e-mails are sent to you related to Pay Online, they will be sent to the e-mail address you identify in your registration records for Online Account Services (your "Account Management Email Address"). If your Account Management Email Address changes or becomes disabled, you will notify us immediately by updating your email address on the Account Profile section of the Website. You understand and agree we may send e-mails to your Account Management Email Address whether or not that address includes a designation for delivery to the attention of any particular person and whether or not anyone other than you is able to access and/or read e-mails sent to your Account Management Email Address.

    10. Email Notifications. Certain Email notifications are available to you as a Pay Online user, such as confirming scheduled payment or confirmation of a payment.

  5. Prohibited Conduct. You will not use your Online Account Services or the Pay Online features thereof to: (a) conduct any fraudulent or illegal activity; (b) violate any statute, regulation or other legal authority; (b) violate our trademark, service mark, copyright or other intellectual property rights or those of any other person or company; (c) violate our other property or privacy rights or those of any other person or company; (d) interfere with or obtain unauthorized access to our computer systems or those of any other person or company; (e) impersonate our identity or that of any other person or company.

  6. Accuracy of Information. You represent and agree that all information you provide to us in connection with your Account or your Online Account Services and the Pay Online features thereof is true, correct and complete. You agree not to misrepresent your identity or your authority to view Account information or to schedule an electronic payment using Pay Online.

  7. Protect Your Personal Information. You will keep your Online Account Services Password (your "Password") secret. You will tell us immediately if you believe there has been an unauthorized use of your Password, your Account or Online Account Services or the Pay Online features thereof. Please tell us by calling 888-418-9459. We will not be responsible for any loss or damage you may suffer as a result of someone using your Password, whether with or without your permission or knowledge. If you give your Password to someone else or allow someone else to use your Account or your Online Account Services or the Pay Online features thereof, you will be responsible for all actions taken by that person, including, without limitation, the scheduling of any payments or the updating or removal of any payments scheduled on your Account, even if that person exceeds your permission.

  8. Termination or Limitation of your Online Account Services by Us. We may terminate or suspend your use of your Online Account Services including the Pay Online features at any time with or without reason and without notice to you. Additionally, depending on your Account Status, certain features of your Online Account Services may not be available to you.

  9. Other Agreements You Have with Us. The Online Account Services Agreement will not change any of the terms and conditions of your Account. If the Online Account Services Agreement contradicts any of the terms of your Account, the terms of your Account control.

  10. Indemnification. You agree to indemnify and hold us and our agents, officers, employees and affiliates harmless from any and all claims, liabilities, damages, costs and expenses (including, without limits, reasonable attorneys' fees and costs) caused directly or indirectly by or arising directly or indirectly out of your use of your Account or your Online Account Services, including any Pay Online features, or your violation of any of our online Policies, Agreements or Terms of Use. When you agree to indemnify and hold another person or company harmless, you agree to protect, defend and pay for certain amounts. You will not be responsible for indemnifying us or holding us harmless from any claims, liabilities, damages, costs or expenses caused solely by or solely arising out of the gross negligence or intentional misconduct of us, our agents, officers, employees or affiliates.

  11. DISCLAIMER OF WARRANTIES. WE DISCLAIM ALL WARRANTIES OF ANY KIND REGARDING YOUR ONLINE ACCOUNT SERVICES AND THE PAY ONLINE FEATURES THEREOF AND THE INFORMATION PROVIDED OR TO BE PROVIDED THROUGH THOSE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO GUARANTY OR PROMISE THAT YOUR ONLINE ACCOUNT SERVICES OR THE PAY ONLINE FEATURES THEREOF WILL BE UNINTERRUPTED, ON TIME, SECURE OR WITHOUT MISTAKE OR ERROR.

  12. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR: ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES CAUSED DIRECTLY OR INDIRECTLY BY OR ARISING DIRECTLY OR INDIRECTLY OUT OF THE FOLLOWING EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES (a) THE USE OF YOUR ONLINE ACCOUNT SERVICES OR THE PAY ONLINE FEATURE THEREOF; (b) THE FAILURE, INTERRUPTION OR AVAILABILITY OF YOUR ONLINE ACCOUNT SERVICES OR THE PAY ONLINE FEATURES THEROF; (c) THE TIMELINESS, ACCURACY, COMPLETENESS, MISDELIVERY OR THE FAILURE IN DELIVERY OF ANY SERVICES OR INFORMATION, INCLUDING E-MAILS, AVAILABLE OR TO BE MADE AVAILABLE OR DELIVERED THROUGH OR AS A PART OF YOUR ONLINE ACCOUNT SERVUCES OR THE PAY ONLINE FEATURES THEREOF; (d) THE UNAUTHORIZED ACCESS TO OR ALTERATION OF ANY INFORMATION, NOTICES OR OTHER COMMUNICATIONS OF OR RELATED TO YOUR ONLINE ACCOUNT SERVICES OR THE PAY ONLINE FEATURES THEREOF; (e) ANY OTHER MATTER RELATED TO YOUR ONLINE ACCOUNT SERVICES OR THE PAY ONLINE FEATURES THEREOF.

  13. Enforceability. If any part of the Online Account Services Agreement is not valid, then to the extent possible, that part will be interpreted according to the intent of you and us and the other parts of the Online Account Services Agreement will remain valid. IF YOUR STATE OF RESIDENCE DOES NOT PERMIT A LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DISCLAIMERS OF CERTAIN WARRANTIES AS DESCRIBED IN THE ONLINE ACCOUNT SERVICES AGREEMENT, THEN ALL OR A PORTION OF THOSE SECTIONS MAY NOT APPLY TO YOU.

Online Privacy Policy (applicable to all Website users)

Important Notice Regarding Your Privacy Rights

This privacy policy notice is designed to inform you of the types of nonpublic personal information ("Personal Information") Wheels Financial Group, LLC. dba LoanMart ("Company") may maintain or collect during the course of our relationship with you. It also explains the safeguards we have in place to protect that information and the circumstances under which we may share that information with other companies. This notice applies to both current and former customers.

Why We Collect Personal Information

We collect Personal Information to identify you, confirm facts about you, deliver financial products and services to you, to help us assess requests for financial products and services, and as necessary to service your loan.

Personal Information We Maintain or Collect

The following are examples of the types of nonpublic personal information we maintain or collect:

* Information that you provide in connection with your loan, applications, other forms, or verbally, such as: name, address, telephone number, social security number, income, assets, driver’s license number, and employment information.

* Information about your transactions with us, our affiliates, or other parties, such as: account balances and payment history.

* Information we receive from consumer reporting agencies, such as: credit worthiness and credit history.

* Information obtained from non-affiliated third parties about your transactions with them.

Sharing of Personal Information

We may share some or all of the Personal Information that is described above as follows:

* With Non-Affiliated Financial Service Providers, such as banks, mortgage bankers, credit card issuers, insurance companies and insurance agents.

* With Non-Affiliated Non-Financial Companies, such as statement processors, repossession companies, collection agencies, or our attorneys.

* With Our Affiliated Companies for their everyday business purposes or to market their products to you.

* With Non-Affiliates for Joint Marketing – We may share your Personal Information with non-affiliated financial companies with whom we have a formal agreement to market financial products or services to you.

* We may also share, as may be required or permitted by law, information about your loan to credit reporting agencies or pursuant to legal process.

Your Right to Limit Sharing/Opt-Out Right

You have the right to limit our sharing of your Personal Information, except as permitted by law, by completing and returning the opt-out notice that was provided to you via the US Postal Service titled "FACTS: What Does Wheels Financial Group, LLC. dba LoanMart Do With Your Personal Information?" (Customers located in California can also return the opt-out notice titled "Important Privacy Choices for California Consumers").

You can download a new notice here: Download Federal Notice

You can download a new notice for California residents here: Download California Notice

Protection of Information and Security Procedures

We restrict access to Personal Information about you as a current or former customer to our employees or affiliates who need this information to provide financial products or services to you and to otherwise service your account(s) with us. We maintain physical, electronic and procedural safeguards that comply with applicable federal and state standards to guard your Personal Information. For example, we use Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any nonpublic personal information transmitted to or from us.

Privacy Notice - Online Supplement

This section describes our practices regarding information we receive about you during visits to this web site. The amount and type of information we receive depends on how you use this site.

Normal Web Site Usage

You can visit our web site to read product and company information, or use our on-line tools without revealing any personal information. The only information we collect and store during normal web site usage is the name and address of your Internet service provider, the web site you last visited, the pages you request, the date and time of those requests and the number of visits you made to our website.

We use this information to generate statistics and measure website activity in order to improve the usefulness of customer visits to our website. This same information may be shared with third parties in order to provide these services or to analyze, store, or aggregate the information. It may also be shared with other third parties, working with us to improve our services or our website. During normal web site usage, we do not collect or store personally identifiable information such as name, mailing address, email address, phone number or Social Security number.

On-Line Collection of Personally Identifiable Information

Occasionally, we will request personally identifiable information in order to provide the web site visitor with a service or correspondence (e.g., promotions and mailed brochures). This information, such as name, mailing address, email address, type of request, and possibly additional information, is collected and stored in a manner appropriate to the nature of the request as determined by us and is used to fulfill your request. Whenever we request such information, we will clearly explain how it will be used. If you tell us that the information should not be used as a basis for further contact, we will respect your request. The information you provide is used by us to improve the services we provide you. This information may also be provided to agencies for use on our behalf in accordance with our Privacy Notice. However, it is never provided or sold to any other company for that company's independent use.

Please note that our website may provide links to third party sites not controlled by us. We suggest that you check the specific Privacy Notices of any site before providing any personally identifiable information.

Electronic Mail Sent to Us That Contains Personal Information

Internet users may decide to send us personally identifying information, for example, in an electronic mail message containing information about your account with us. We will only use this information to identify the user as our customer and to determine how to respond to the electronic mail. We will use this information for the purpose identified in the email message and to enhance our understanding of you in order to improve our services to you.

Internet Services

To use our Internet services, such as online account access, we require a certain amount of personally identifying information (e.g., name, Social Security number, account number and other applicable information) we can use to verify you as our customer. We use this to identify and access data in the existing relationship we have with you in order to provide you with the requested services. We request email addresses as an alternate means of contacting you. Providing your email address is optional, except when you request an Internet delivered service, then it is necessary for us to have your email address in order to honor your request. We may also use this information to enhance our understanding of you and improve our services.

What Are Cookies

A "cookie" is a small line of text that is stored within your browser when you visit a cookie-enabled website. As you browse the Web, cookie-enabled sites will send cookies to your browser, along with pages. Your browser probably has options that will let you control whether the browser accepts cookies, rejects cookies, or notifies you each time a cookie is sent to you.

If your browser is set to reject cookies, cookie-enabled websites will not recognize you when you return. This provides you with anonymity, but it also makes it very difficult to offer you customized services. It is also less secure than using cookies, because all of your specific data must be sent to the website each time you view a page. Accepting cookies means your private data can stay at the Web server, and the only information transmitted over the Internet is your ID cookie.

If your browser is set to accept cookies, any cookies that are sent to your browser are stored in your computer for a period of time. There are a few different types of cookies. A "session" cookie is stored only in your computer's working memory (RAM) and only lasts for your browsing session. When you close all of your browser's windows, or when you shut down your computer, the session cookie disappears forever. A "permanent" cookie is stored on your computer's hard drive until a specified date, which could be tomorrow, next week, or 10 years from now. Permanent cookies stay on your computer until either a) they expire, b) they are overwritten with newer cookies, c) you manually remove them.

We use permanent cookies to supply visitors to our site with a customized experience. These cookies do not involve personally identifiable information. We also use session cookies to customize your experience during a session, to aid in your navigation and use of the site, to develop generic web site metrics and other similar uses.

Keeping Customer Information Accurate

If you believe our records are incomplete or inaccurate, you may write to us at: 15821 Ventura Blvd. Suite 280, Encino, CA 91436 or email us at contact800@loanmart.com

Effective Date; Changes to Our Policy

We reserve the right to change our Privacy Policy and Privacy Notice. A revised Privacy Policy or Privacy Notice applies only to data collected subsequent to its effective date. If we make substantial changes to our policy, we will post the changes on our website.

Online Terms of Use (applicable to all Website users)

You are currently using the loanmart.com Web site (the "Site"). LoanMart provides the information and services located on the Site (the "Services"). Please read these Terms of Use carefully. By accessing this Site you agree to be bound by these Terms of Use.

  1. Availability of Products and Services. The Website contains information about our products. Our products and services are not available in all jurisdictions.

  2. Supplemental Terms of Use and Conditions. In addition to the terms of use contained in the Online Policies and Agreements, supplemental terms of use and conditions may appear on specific pages of the Website. By use of the Website, you agree to any supplemental terms of use.

  3. Errors and Negligent Use. We are not responsible for errors or negligent use of the services offered by the Website, including input errors, negligent handling or sharing of passwords, and leaving a computer unattended while accessing the Application or your Online Account Services as defined in the Online Account Services Agreement.

  4. Accuracy of Website. While we make all reasonable efforts to ensure that all material on the Website is correct, accuracy cannot be guaranteed.

  5. Links. The Website may contain hypertext links to other websites that are completely independent of the Website and are controlled or offered by third parties. We do not assume responsibility as to the accuracy, completeness, or authenticity of the information presented on any website accessed via such a link and hereby disclaim liability for any other company’s website content, products, privacy policies, or security. A link to another entity's website should not be construed as our endorsement of such entity's website, products, or services. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site.

  6. Information Only. All of the content presented on the Website is for information purposes only and in no way creates any fiduciary relationship between us; you should seek appropriate tax, financial, or legal advice when necessary.

  7. Copyrights/Trademarks/Restrictions on Use. All of the pages and screens on the Site are owned and controlled by LoanMart, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site. You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose. LoanMart® and the LoanMart logo are federally registered trademarks owned by LoanMart. Other featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by LoanMart or owned by third parties. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site except as authorized in this paragraph. You may not use any of the LoanMart trademarks as a link to the Site except pursuant to a written trademark license agreement. The information contained on the Website is protected by copyright and may not be reproduced without our written consent.

  8. Disclaimer. THE SERVICES ARE OFFERED ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

    YOU ACKNOWLEDGE THAT NEITHER LOANMART, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE. LOANMART DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES. (THIS DOES NOT AFFECT ANY MANUFACTURER'S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER.)

    EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT LOANMART IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, LOANMART WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.

  9. Children’s Privacy. LoanMart does not seek information from children under the age of 13.

  10. Changes to Our Online Terms of Use. As permitted by law, we reserve the right to modify these Online Terms of Use at any time without notice, but the most current version of the Online Terms of Use will always be available to you by clicking on the link at the bottom of the Site. If you find the Online Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Online Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of this Agreement.

  11. Questions, Comments or Concerns. Should you have any questions comments or concerns regarding the Website, our products and services or your Account as defined in the Online Account Services Agreement, please refer to the Contact Us section of the Website for the appropriate contact information.