1. INTRODUCTION AND DEFINITION OF TERMS

You are viewing the website www.reliablecredit.com (“Site”) owned and operated by Reliable Credit Association, Inc., an Oregon corporation, on behalf of itself and its affiliate Reliable Credit Association, Inc. (WA), a Washington corporation. The corporations are collectively referred to on this Site as “Reliable”. Reliable is sometimes referred to as “we”, “us” “our” or “ours”. Anyone that views or uses this Site is referred to as “you,” “your,” or “yours.”

Services specific to this Site (including but not limited to eServices) are collectively referred to in this Agreement as “Services.” Content, functions, features, displays, text, pictures, images and other information or material of any kind, and at any time and in any manner presented or displayed, are sometimes collectively referred to as “Content.”

Your use of this Site, the Services, and the Content is subject to these Terms of Use. Your credit obligations or other relationships with us are governed by the agreements applicable to those obligations or relationships, such as (for example) a promissory note or retail installment contract.

2. YOUR CONSENT TO TERMS OF USE

A. Your Consent and Proper Use of this Site

By viewing or using this Site, you agree to be bound by these Terms of Use.

We grant you a non-exclusive, non-transferable limited and revocable right to browse, print, or use the Services and Content on this Site for your personal, non-commercial purposes only. No other use, including creation of derivative works, is permitted. No license in or to this Site or the Content is granted to you or to any other third-party.

Not all Services are available in all geographic locations where this Site may be viewed. Neither our operation of this Site nor our display of the Services constitutes an offer to sell or an attempt to solicit your purchase of any Services where it is illegal.

B. Conflict Between Our Employee’s Statements and these Terms of Use

If there is a conflict between what a Reliable employee says and what these Terms of Use or Content says, then these Terms of Use or Content (as applicable) will control.

C. Modification or Termination

We may amend these Terms of Use, Content, or any other agreement relating to Content (sometimes, “Content Agreement”) at any time and in our discretion. If you do not agree with any amendment we make with respect any or all the items referred to in the preceding sentence, you should stop browsing or using this Site. If you continue to browse or use any part of this Site after we amend any applicable Content Agreement, you will be deemed to have consented to any such amendment that we make. We may terminate your access to the Site at any time, for any reason (or for no reason) without notice to you.

D. “Contact Us” Page

We provide email boxes for each of our branch offices (individually referred to as “Branch Email Box” and collectively referred to as “Branch Email Boxes”). Emails you send to a Branch Email Box are transmitted unencrypted over the public Internet. Therefore, please do not send an email to a Branch Email Box that includes any of your personal information that you do not want to risk being accessed by an unauthorized third party. Personal information may include your name, address, telephone number, email address, social security number, date of birth, and any account number you have with a financial institution. If you send an email to a Branch Email Box, then you agree and consent that we can reply using unencrypted emails delivered by the public Internet that contain non-public information about you that we determine in our discretion is responsive to any email message you send to us via a Branch Email Box.

If you want to send secure electronic (paperless) messages to us, and receive secure electronic (paperless) messages from us, please use the secure Message Center provided in eServices.

3. TRADEMARKS AND COPYRIGHT

The Site contains trademarks, service marks, logos, graphics, page headers, button icons, scripts, domain names, URL and other identifiers and similar intellectual property ("Trademarks") that are registered and unregistered Trademarks of one or more of our Reliable affiliates or other parties.

You are prohibited from displaying or using any Trademarks for any purpose including, without limitation, as metatags on other pages or sites on the World Wide Web without our prior written consent (which may be withheld in our discretion) or such third-party which may own the Trademarks.

All Content and compilations thereof, including any software programs available on or through this Site, is protected by U.S. and foreign copyright laws and international conventions and may not be sold, licensed, sublicensed, used to create derivative works, reproduced, copied, edited, published, distributed, displayed, transmitted, uploaded or downloaded, modified, altered or removed in any way without our approval, which we may withhold in our discretion. Without limiting the foregoing, nothing on this Site, including without limitation, the Content and compilations thereof, including any software programs available on or through this Site, may be reposted to another website or location external to this Site and you are prohibited from using the same for any commercial or public purposes.

4. LINKED SITE

This Site may include links to sites that we do not own or control. Such links may allow you to leave this Site to access material or information provided by others, or may bring material or information provided by others into display on this Site. (In either case, we refer to such a site as a “Linked Site”). You acknowledge that we have no discretion including, without limitation, the power, authority, or ability, to alter, update, control or otherwise regulate the content of features on or available through a Linked Site. The fact that we provide access at any time to a Linked Site does not represent our endorsement, authorization, sponsorship or affiliation with respect to such Linked Site, its owners or its providers.

There are inherent risks in relying upon, using or retrieving any information found on the Internet and we urge you to make sure you understand these risks before relying upon, using or retrieving any such information on a Linked Site. Use of a Linked Site is at your sole and exclusive risk.

5. NO WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, COVENANTS, ASSURANCES AND CONDITIONS OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY FOR, AND IN CONNECTION WITH, ALL THE CONTENT ON THIS SITE (INCLUDING THE SERVICES AND ANY SOFTWARE PROGRAMS AVAILABLE ON OR THROUGH THIS SITE) AND ALL CONTENT, PRODUCTS, SERVICES, MATERIAL AND INFORMATION OF ANY KIND OBTAINED FROM A LINKED SITE.

WITHOUT LIMITATION, WE DO NOT ENDORSE AND WE ARE NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE ON OR THROUGH THIS SITE BY ANY PARTY OTHER THAN US, (B) ANY CONTENT, PRODUCTS, SERVICES, MATERIAL OR INFORMATION OF ANY KIND OBTAINED FROM A LINKED SITE OR (C) THE CAPABILITIES OR RELIABILITY OF ANY CONTENT, PRODUCT, SERVICE, MATERIAL OR INFORMATION OF ANY KIND OBTAINED FROM A LINKED SITE.

WITHOUT LIMITATION, YOU UNDERSTAND AND AGREE THAT THIS SITE IS PROVIDED ON AN “AS IS”, “WHERE IS”, “WHERE AVAILABLE”, AND “WHEN AVAILABLE” BASIS, SUBJECT TO CHANGE AT ANY TIME WITHOUT PRIOR NOTICE.

6. LIMITATION OF OUR LIABILITY

EXCEPT WHERE APPLICABLE LAW OTHERWISE PROVIDES, WE WILL NOT BE RESPONSIBLE FOR ANY LOSS, DAMAGE OR INJURY OF ANY NATURE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS), BUSINESS INTERRUPTION AND LOSS OF INFORMATION (OR ANY COMBINATION OF THE FOREGOING), EVEN IF WE HAVE BEEN ADVISED OF SUCH LOSS, DAMAGE OR INJURY, ARISING OUT OF, OR IN ANY WAY RELATED TO YOUR USE OF THE SITE, THE SERVICES, OR THE CONTENT OR ANY LINKED SITES.

7. OUR RIGHT TO USE CERTAIN INFORMATION YOU TRANSMIT TO US

A. Application Information

When you submit an application for credit using the Site’s application feature, you may designate a branch office that you wish to deal with. Irrespective of the branch that you select, your application will be transmitted to the affiliate (Reliable Credit Association, Inc. or Reliable Credit Association, Inc. (WA)) that is appropriate to process your request.

B. Other Information

Except as otherwise provided by law and these Terms of Use, any communication, information or material you transmit to us through this Site, including through or to a Linked Site, is non-confidential and non-proprietary. Therefore, we may use such communication, information or material for any purpose we choose including, without limitation, for reproduction, publication, broadcast and post on this Site or elsewhere including, without limitation, for our advertising, self-promotion and the like without being required to pay any compensation to you

8. PROHIBITED USES OF SITE OR LINKED SITE

A. Prohibited Uses

You agree that you will not alter any information contained on the Site and will not use (or allow others to use) the Site or any Content or information obtained from it for any wrongful, unauthorized, illegal, or unlawful purpose. You agree to indemnify and hold Reliable harmless from and against any loss, damage or expense (including attorneys fees) arising from or related to your actions in violation of this section.

B. Reliable Disclosure of Content

You agree that we may preserve Content in accordance with law and may disclose Content (including without limitation, your enrollment and activity in eServices or other access to or browsing of this Site or any Linked Site) if required to do so by law or if we determine, in our discretion, that such preservation or disclosure is reasonably necessary to (a) comply with legal process, (b) enforce these Terms of Use, (c) respond to claims that this Site, the Services, the Content or a Linked Site violates the rights of third-parties or applicable law, (d) protect the rights, property or personal safety of this Site, its users or any other person (including you) or the public at large or (e) fulfill any legal, equitable or other duty or obligation attendant upon us in connection with our ownership and operation of this Site.

9. PRIVACY OF CHILDREN

This Site is intended for individuals who are at least 13 years old. We do not knowingly collect information from individuals under the age of 13 and do not target this Site to children under that age. If you are under the age of 13 years old, you should not be visiting or using any part of this Site.

10. SITE SECURITY

Information about online security can be found here.

11. PRIVACY POLICY

Our privacy policy disclosure can be found here.

12. INDEMNITY

You agree that you are personally responsible for your conduct while browsing or using this Site or a Linked Site. You will indemnify, defend, and hold Reliable and Reliable’s employees, officers, directors, shareholders, agents and service providers (and the personal representatives, successors and assigns of each of the foregoing) (the “Indemnified Parties”) harmless from and against any loss, damage, liability, cost or expense of any kind (including, but not limited to, reasonable attorneys' fees incurred at trial and on appeal and in bankruptcy proceedings or cases (or both)) that any or all the Indemnified Parties may incur in connection with a third-party or other claim in relation to (a) your browsing, use or misuse of this Site, the Services or the Content (including, without limitation, eServices), whether committed or conducted by you or your employee or agent, if applicable, (b) any of the terms and conditions of these Terms of Use, any Content Agreement, or any other agreement, disclosure or notice displayed on or accessible by or through this Site or a Linked Site at any time, including without limitation, your violation of any terms or conditions contained in the foregoing and (c) your breach of any representation, warranty, covenant, agreement, consent or acknowledgement contained in any of the specified agreements listed in the preceding subparagraph of this section.

Without limiting any other matter contained in these Terms of Use, any Content Agreement, or any other agreement, disclosure or notice, your indemnification obligations under this section will survive termination of these Terms of Use and your right, at any time, to browse access or use this Site.

13. MISCELLANEOUS

These Terms of Use contain the entire understanding between you and us regarding the subject matter set forth in these Terms of Use, superseding all prior or contemporaneous communications, agreements and understandings between you and us regarding such subject matter of the foregoing.

These Terms of Use are binding on and inure to the benefit of you and us and the legal representatives, successors and assigns of each; provided, however, that except as otherwise expressly provided, you may not assign, transfer, convey or encumber any rights under these Terms of Use without our prior written consent, which consent may be withheld in our absolute and sole discretion.

These Terms of Use will be construed in accordance with the internal laws (and not the law of conflicts) of the state of Oregon. If any provision or clause of these Terms of Use or any portion thereof is held by any court to be illegal, void or unenforceable, the remainder of such provisions contained in any or all the foregoing shall not thereby be affected and shall be given full effect, without regard to the invalid portion.

If any suit or action is filed by either you or us to enforce these Terms of Use, the prevailing party will be entitled to recover reasonable attorney fees incurred in preparation or in prosecution or defense of such suit or action as fixed by the trial court (including, without limitation, in a bankruptcy case or proceeding), and if any appeal is taken from the decision of a trial court (including a bankruptcy court), reasonable attorney fees as fixed by the appellate court.

We will not be deemed to have waived any of our rights or remedies under these Terms of Use, unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies will operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.