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Terms of use:


This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.


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.



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.


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