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Terms of use:
MINI-MIRANDA
This is an attempt to collect a debt by a debt collector and any
information obtained will be used for that purpose.
TELEPHONE OPT-IN
DISCLOSURE
By clicking “Accept Agreement” you acknowledge and
expressly consent that Central Resources
may contact you by various means, including, without limitation an automatic telephone
dialing system, text message, email or artificial or prerecorded voice. You waive any confidentiality and privacy
related to such telephone numbers.
ELECTRONIC FUNDS TRANSFERS
IMPORTANT NOTE: THIS INFORMATION IS ONLY APPLICABLE TO
TRANSACTIONS BETWEEN YOU AND CENTRAL RESOURCES (“CR” or “AGENCY”). FOR FURTHER
INFORMATION YOU SHOULD CONTACT YOUR ACCOUNT-HOLDING FINANCIAL INSTITUTION.
For purposes of these disclosures, our
business days are Monday through Friday.
Holidays are [not] included.
We will not disclose information to third
parties about your account or the transfers you make except as allowed by law:
(i) Where it is necessary for completing
transfers, or
(ii) In order to verify the existence and
condition of your account for a third party, such as a credit bureau, or
(iii) In order to comply with government
agency or court orders, or
(iv) If you give us your written
permission.
Preauthorized Payments
(1)
Right to stop payment and procedure for doing so. If you have told us in
advance to make regular transfers out of your account, you can stop any of
these payments. Here's how:
Call us at (877) 257-2340, Monday through Thursday 8:00 am to 7:00 pm (CT), Friday
8:00 am to 5:00 pm (CT), or write us at 2700 1st Street North,
St. Cloud, MN 56303 or by e-mail at sales@centralresources.net in time for us
to receive your request 3 business days or more before the payment is scheduled
to be made. If you call, we may also require you to put your request in writing
and get it to us within 14 days after you call. You may also contact your
account-holding financial institution for instructions on how to stop payment
of regular transfers from your account.
(2) Notice of varying amounts. If these
regular payments may vary in amount, CR will tell you, at least 10 days before
each payment, when it will be made and how much it will be.
(3) Liability for failure to stop payment
of preauthorized transfer. If you order us to stop one of these payments 3
business days or more before the transfer is scheduled, and we do not do so, we
will be liable for your losses or damages not to exceed the amount of the
transfer.
Error Resolution Notice
In case of errors or questions about your
electronic transfers transacted with CR, call us at (877) 257-2340, Monday
through Thursday 8:00 am to 7:00 pm (CT), Friday 8:00 am to 5:00 pm (CT), or write us at 2700 1st Street
North, St. Cloud, MN 56303 or by e-mail at sales@centralresources.net
as soon as you can, if you think any payment amount or balance with our office
is wrong or if you need more information about a transfer that was initiated by
CR. You may also contact your account-holding financial
institution no later than 60 days from the FIRST statement from your
account-holding financial institution on which the problem or error appeared.
(1) Tell us your name and account number
(if any).
(2) Describe the error or the transfer you
are unsure about, and explain as clearly as you can why you believe it is an
error or why you need more information.
(3) Tell us the dollar amount of the
suspected error.
If you tell us orally, we may require that
you send us your complaint or question in writing within 10 business days.
CR will determine whether an error
occurred within 10 business days after we hear from you and will correct any
error promptly. If we need more time, however, we may take up to 45 days to
investigate your complaint or question. If we decide to do this, we will credit
your account within 10 business days for the transacted amount you think is in
error, so that you will have the use of the money during the time it takes us
to complete our investigation. If we ask you to put your complaint or question
in writing and we do not receive it within 10 business days, we may not credit
your account.
We will tell you the results within three
business days after completing our investigation. If we decide that there was
no error, we will send you a written explanation. You may ask for copies of the
documents that we used in our investigation.
NOTICE ABOUT ELECTRONIC CHECK CONVERSION.
When you provide a check as payment, you authorize us either to use information
from your check to make a one-time electronic fund transfer from your account
or to process the payment as a check transaction. A merchant or other payee may
also use information from your check provided by you to make a one-time
electronic payment from your checking account using information from your check
to pay for purchases or to pay bills. When information is used from your check
to make an electronic fund transfer, funds may be withdrawn from your account
as soon as the same day your check is provided, and you will not receive your
check back from your financial institution.
This
E-SIGN Disclosure and Consent applies to all communications between you and Central
Resources (“CR”) that are not otherwise governed by the terms and conditions of
an electronic disclosure and consent.
The words “we,” “us,” and “our”
refer to CR and the words “you” and “your” mean you, the individual consumer
identified on the Account(s) giving this E-SIGN consent. “Communication” means
any agreements or amendments thereto, disclosures, notices, responses to
claims, transaction history, privacy policies and all other information related
to the product or service, including but not limited to information that we are
required by law to provide to you in writing.
1. Scope of Communications to Be Provided in
Electronic Form. When you use a product or service to which this disclosure
applies, you agree that we may provide you with any communication in electronic
format, and that we may discontinue sending paper communications to you unless
otherwise required by law, unless and until you withdraw your consent as
described below. Your consent to receive electronic communications and
transactions includes, but is not limited to:
o All
legal and regulatory disclosures and communications associated your Account;
o Notices
or disclosures about a change in the terms of your Account or associated
payment feature and responses to claims;
o Privacy
policies and notices;
o Communications
that we may include from time to time relevant to the Account.
2.
Method
of Providing Communications to You in Electronic Form. All
Communications that we provide to you in electronic form will be provided
either (1) via e-mail, (2) by access to a web site that we will designate in an
e-mail notice we send to you at the time the information is available, or (3)
to the extent permissible by law, by access to a web site that we will
generally designate in advance for such purpose, or (4) by requesting you
download a PDF file containing the Communication.
We may always, in our sole discretion, provide you
with any Communication via paper, even if you have chosen to receive it
electronically.
3.
How
to Withdraw Consent. You may withdraw your consent to
receive Communications in electronic form by contacting us at sales@centralresources.net
or by calling 877-257-2340, Monday
through Thursday 8:00 am to 7:00 pm (CT), Friday 8:00 am to 5:00 pm (CT) or by
contacting us by mail at 2700 1st
Street North, St. Cloud, MN 56303. At our option, we may treat your
provision of an invalid email address, or the subsequent malfunction of a
previously valid email address, as a withdrawal of your consent to receive
electronic Communications. We will not impose any fee to process the withdrawal
of your consent to receive electronic Communications; however, your access and
use of our online services may be terminated. Any withdrawal of your consent to
receive electronic Communications will be effective only after we have a
reasonable period of time to process your withdrawal.
4.
How
to Update Your Records. It is your responsibility to provide
us with true, accurate and complete e-mail address, contact, and other
information related to this Disclosure and your Account(s), and to maintain and
update promptly any changes in this information. You can update information
(such as your e-mail address) by contacting us at sales@centralresources.net or
by calling 877-257-2340, Monday
through Thursday 8:00 am to 7:00 pm (CT), Friday 8:00 am to 5:00 pm (CT) or by
contacting us by mail at 2700 1st
Street North, St. Cloud, MN 56303.
5. Hardware
and Software Requirements. In order to access, view, and retain electronic
Communications that we make available to you, you must have at the minimum:
·
a Current Version (defined below) of
an Internet browser we support,
·
a connection to the Internet,
·
a Current Version of a program that
accurately reads and displays PDF files (such as Adobe® Acrobat® Reader),
·
a computer and an operating system
capable of supporting all of the above. You will also need a printer if you
wish to print out and retain records on paper, and electronic storage if you
wish to retain records in electronic form, and
·
an active email address.
By "Current Version,"
we mean a version of the software that is currently being supported by its
publisher.
We reserve the right to
discontinue support of a Current Version of software if, in our sole opinion,
it suffers from a security flaw or other flaw that makes it unsuitable for use
with electronic services.
6. Requesting Paper Copies. We
will not send you a paper copy of any communication, unless you request it, it
is required by law, or we otherwise deem it appropriate to do so. You can
obtain a paper copy of an electronic communication by printing it yourself or
by requesting that we mail you a paper copy, provided that such request is made
within a reasonable time after we first provided the electronic communication
to you. To request a paper copy, contact us at sales@centralresources.net or by
calling 877-257-2340, Monday through Thursday
8:00 am to 7:00 pm (CT), Friday 8:00 am to 5:00 pm (CT) or by
contacting us by mail at 2700 1st
Street North, St. Cloud, MN 56303. There is no charge for the delivery of
paper copies of any communication provided to you electronically pursuant to
this authorization. We reserve the
right, but assume no obligation, to provide a paper (instead of electronic)
copy of any communication that you have authorized us to provide
electronically.
7.
Communications in Writing. All
communications in either electronic or paper format from us to you will be
considered “in writing.” You should print or download for your records a copy
of this disclosure and any other communication that is important to you.
8. Signature. By using the online services of
CR, you agree that an electronic facsimile of your signature or electronic
agreement carries the full legal weight of a written signature.
9. Federal Law. You
acknowledge and agree that your consent to electronic communications is being
provided in connection with a transaction affecting interstate commerce that is
subject to the federal Electronic Signatures in Global and National Commerce
Act, and that you and we both intend that the Act apply to the fullest extent
possible to validate our ability to conduct business with you by electronic
means.
10. Termination/Changes. We
reserve the right, in our sole discretion, to discontinue the provision of your
electronic communications, or to terminate or change the terms and conditions
on which we provide electronic communications. We will provide you with notice
of any such termination or change as required by law.
11. Consent. By
agreeing to use the online system requiring electronic signature, e-statements,
or e-notifications, or by other confirmation You hereby give your affirmative
consent to provide electronic communications to you as described herein. You
further agree that your computer satisfies the hardware and software
requirements specified above and that you have provided us with a current
e-mail address at which we may send electronic Communications to you.