TERMS OF SERVICE
SCOPE AND APPLICABILITY
Please review the following Terms of Service (“Terms”) concerning your use of www.s1fc.com (“Site”) and our electronic communications between you and us. The Terms are a binding contract between you and Source One Financial Corporation (“we,” “us,” “our,” “S1FC”). Please read them very carefully. By engaging with us by text and SMS or by accessing the Site, and accessing, using, or downloading any materials from the Site, you agree to follow and be bound by these Terms and our Privacy Policy (collectively “Privacy Policies”).
S1FC reserves the right to update or modify these Terms at any time and without prior notice. Your use of the Site and/or engagement with us via text and SMS following any such change constitutes your agreement to follow and be bound by the Terms as changed. For this reason, we encourage you to review these Terms whenever you use this Site. Each instance of access or use of the Site will serve as acceptance of the updated Terms.
IF YOU DO NOT AGREE WITH ANY OF THESE TERMS AND CONDITIONS, DO NOT USE THE SITE OR THE SERVICES OF S1FC.
OUR SERVICE
S1FC services auto financing contracts (“Service”). The Site includes instructions for completing select transactions, which may include one or more of the following steps:
(i) you are a borrower on a contract which we service and you provide information which we may use to take payments from your bank.
(ii) you are a dealer and wish to apply to on-board as someone who can work with S1FC.
Although S1FC attempts to provide accurate information on the Site, it assumes no responsibility for the accuracy of the information. S1FC may change the Service at any time without notice. S1FC may periodically make changes to the Site.
COMMUNICATION
You acknowledge and agree that S1FC may communicate with you in a variety of different ways including but not limited to email, telephone, fax, voicemail, letters sent by post, text and SMS messaging. Some communications occur through multiple channels. Such communications are only intended for you. By using our Service and/or Site, you acknowledge and agree to the following communications-related practices:
Consent to Contact: By engaging with our Site and/or obtaining our Service, you agree that we may contact you by any method, including but not limited to contacts to respond to your inquiries, service your account or collect any amount you owe, by phone, text, email, or mail. We are permitted to use any address, telephone number, or email address that you or any of your principals or agents provide to us. You, your principals, and your agents agree to provide accurate and current contact information and only give us phone numbers and email addresses that belong to you.
When you give us a telephone number, you are providing your express consent permitting us (and any party acting on our behalf) to contact you at the telephone number you provide. We may call you and send you text messages. You agree that we may leave prerecorded or artificial voice messages. You also agree that we may use automatic telephone dialing systems in connection with call or text messages sent by us to any telephone number you give us, even if the telephone number is a mobile phone number or other communication service for which you or the subscriber is charged.
Recording & Monitoring of Communications: Your communications with us via our Service and/or our Site, email, and telephone are or may be recorded and/or monitored by us and our vendors. By using such communication methods you are consenting to the recording and/or monitoring of the same.
SMS Terms & Conditions
1- SMS Consent Communication:
Information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
2- Types of SMS Communications:
If consent has been given to receive text messages from Source One Financial Corporation , messages may be received related to the following:
Insurance reminders
Follow-up messages
Billing inquiries
Example: This is Source One Financial Corporation. Your car insurance may have expired or is about to expire. Please contact your insurance carrier to ensure your car is properly protected. If you need assistance with your carrier, S1 is here to help, please call 781-871-6433
Reply STOP to opt-out Messages from Source One Financial Corporation at any time.
3- Message Frequency:
Message frequency may vary depending on the type of communication. For example, up to [X] SMS messages per week may be received related to [account / Insurance /billing, etc.].
Example:
“Message frequency may vary. You may receive up to 2 SMS messages per week regarding your account status. “
4- Potential Fees for SMS Messaging:
Standard message and data rates may apply, depending on the carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
5- Opt-In Method:
Opt-in to receive SMS messages from Source One Corporation be done in the following ways:
Verbally, during a conversation
By filling out a paper form and initialing and signing.
6- Opt-Out Method:
Opting out of receiving SMS messages can be done at any time by replying “STOP” to any SMS message received. Alternatively, direct contact can be made to request removal from the messaging list.
7- Help:
For any issues, reply with the keyword HELP.
Additional Options:
If SMS messages are not desired, Source One Corporation can be called at 781-871-6433 and be asked to terminate any future texts.
8- Standard Messaging Disclosures:
Message and data rates may apply.
Opt out at any time by texting “STOP.”
For assistance, text “HELP” or visit our Privacy Policy and Terms and Conditions pages.
Message frequency may vary
S1FC or the Carriers are not liable for any delays or undelivered messages.
YOUR REPRESENTATIONS, OBLIGATIONS, AND CONSENT
Please review our Privacy Policies. By accessing or using the Site, you agree to our Privacy Policies, and you understand that when using the Site and/or Service, you will be asked to provide certain personal information which may be sensitive, such as your email address, legal name, country of residence, zip code, your physical address, telephone number(s), applicable payment data and information. You agree to be liable to us for any inaccurate information, and if your information changes, you agree to update it with us as soon as practical.
Applicable Laws: You acknowledge that S1FC’s Service and Site may be subject to various state and federal laws. You understand and agree that both you and S1FC intend for the applicable laws to apply to the fullest extent possible to validate S1FC’s ability to conduct business with you by electronic means. Disputes over this Site shall be covered by laws in the State Massachusetts and disputes over the Arbitration Clause below will be decided under the Federal Arbitration Act (“FAA”). Further, you acknowledge that this Site is controlled, operated, and administered by S1FC from its offices within the United States. S1FC makes no representation that materials at this Site are appropriate or available for use at other locations outside of the United States. Access to this Site and Service from jurisdictions where it is illegal to do so is prohibited. You may not use the Site or Service in violation of United States export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.
YOU AGREE THAT YOU WILL NOT:
- misuse the Site or the Service;
- attempt to hack, disable, upload or infect our Site with viruses or other harmful code.
DISCLAIMER BY S1FC
THE SERVICE AND SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. S1FC DOES NOT WARRANT THAT THE SERVICE OR SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DOES IT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICE AND/OR SITE. THE SERVICE AND SITE ARE PROVIDED “AS IS” AND S1FC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Further, the Site may contain links to websites controlled or offered by third parties. S1FC hereby disclaims all liability for any other company’s website content, products, privacy policies, or security. Any representations, advice, opinions, services, products, or recommendations provided by the linked site providers are those of the providers and not of S1FC.
S1FC’S LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, S1FC AND THIRD PARTY BENEFICIARIES SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARISE OUT OF OR ARE RELATED TO THE USE OF THIS SITE OR THE ACCESS OF INFORMATION PROVIDED HEREIN, OR THE USE OR ACCESS OF, OR THE INABILITY TO USE OR ACCESS, THE CONTENT, MATERIALS, AND FUNCTIONS OF THIS SITE, THE SERVICE, OR ANY LINKED INTERNET SITE, EVEN IF S1FC AND/OR THIRD PARTY BENEFICIARIES IS/ARE EXPRESSLY ADVISED OF, OR REASONABLY COULD HAVE FORESEEN, THE POSSIBILITY OF SUCH DAMAGES, HOWEVER THEY ARISE, WHETHER IN BREACH OF CONTRACT OR IN TORT (INCLUDING NEGLIGENCE). TO THE EXTENT SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OR LIMITATION OF LIABILITY FOR DIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION, OR PORTIONS OF IT, MAY NOT APPLY TO YOU.
INDEMNIFICATION BY YOU
YOU AGREE, TO THE EXTENT PERMISSIBLE BY LAW, TO BE LIABLE TO S1FC FOR AND INDEMNIFY S1FC AGAINST THIRD PARTIES IF YOU BREACH ANY OF THESE TERMS.
MISCELLANEOUS TERMS AND CONDITIONS
These Terms shall be governed and construed in accordance with the laws of the State of Massachusetts without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms do not abrogate any other agreements you have entered into with S1FC, or which have been assigned to S1FC. Our relationship and the Service remain subject to any applicable retail installment sale contract and the applicable retail installment sales contract(s) remain in full force and effect. To the extent any provision of these Terms conflicts with your retail installment sales contract, the terms of that contract shall prevail. S1FC’s obligations under these Terms are subject to existing laws and legal process and nothing contained in these Terms is in derogation of S1FC’s right to comply with law enforcement requests or requirements relating to a user’s use of the Site, the Service, or any information provided to or gathered by S1FC. A printed version of these Terms and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to the Site to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.