Site Terms & Conditions
Electronic Funds Transfer (EFT) Disclosure
Effective September 1, 2006
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
Download Privacy and Opt-Out Notice (PDF)
SITE TERMS AND CONDITIONS
Effective September 1, 2006
Please read the following to understand the terms and conditions associated with
the use of this website:
Prestige Financial Services, Inc. maintains the site GoPFS.com ('This Site') for
your personal information, education, and communication. While you should feel free
to browse This Site, please understand that your access to and use of This Site
is subject to the following terms and conditions ('Terms and Conditions') and all
applicable laws. By accessing and browsing This Site, you accept, without limitation
or qualification, the Terms and Conditions and acknowledge that any other agreements
between you and Prestige Financial concerning This Site are superseded to the extent
they conflict with these Terms and Conditions. Your use of or linking to any message,
data, information, text, graphic or other material (‘Content(s)’) on
This Site, except as provided in these Terms and Conditions is strictly prohibited.
Terms and Conditions
- You should assume that everything you see or read on This Site is copyrighted and
may not be used without the written permission of Prestige Financial, except as
provided in these Terms and Conditions or in the text on This Site. Prestige Financial
neither warrants nor represents that your use of material displayed on This Site
will not infringe rights of third parties. Nothing contained on This Site should
be construed as granting, by implication, estoppel, or otherwise, any license or
right to use any Prestige Financial intellectual property right (including, but
not limited to any patent, trademark, trade name, copyright or trade secret).
You may download material displayed on This Site for non-commercial, personal use
only, provided you also retain all copyright and other proprietary notices contained
in the materials or as specified on This Site. You may not, however, distribute,
modify, transmit, reuse, re-post, or use the Content of This Site, including the
text, images, audio, and video, for purposes not specifically provided in these
Terms and Conditions or in the text on This Site.
- Elements of This Site, including
page headers, custom graphics, logos, sounds, images and button icons, are protected
by trade dress and other laws and may not be copied or imitated in whole or in part.
No logo, graphic, sound, image or other element from This Site may be copied, reproduced,
redistributed or retransmitted unless expressly permitted by This Site, in writing.
The use of images of people or places displayed on This Site by you, or anyone else
authorized by you, is prohibited unless specifically permitted by these Terms and
Conditions or as provided elsewhere on This Site or by agreement with the sources
holding original copyrights to these images. Any unauthorized use of page headers,
custom graphics, logos, sounds, images and button icons contained in This Site may
violate copyright laws, trademark laws, the laws of privacy and publicity, and communications
regulations and statutes.
- The trademark logos and service marks displayed on
This Site (collectively the 'Trademarks'), including Prestige Financial, LoanZone,
1(877)LOAN ZONE, LoanZone.com and The Loan Zone (under which name Prestige Financial
conducts business in certain states) are registered and unregistered trademarks
of Landcar Management, Ltd. Nothing contained on This Site should be construed as
granting, by implication, estoppel, or otherwise, any license or right to use any
Trademarks without the written permission of Prestige Financial or such third party
that may own the Trademarks.
- You may not use, frame or utilize framing techniques
to enclose any Prestige Financial or LoanZone trademark, logo or other proprietary
information (including, but not limited to the images found at This Site, the Content
of any text or the layout/design of any page or form contained on a page), except
as provided in these Terms and Conditions or in the text on This Site, without This
Site's express written consent. Further, you may not use any metatags or any other
'hidden text' utilizing a Prestige Financial or LoanZone name, trademark, or product
name without Prestige Financial's express written consent.
- Pursuant to Title
17 of the United States Code, Section 512(c)(2) notifications of claimed copyright
infringement should be sent to the Service Provider's Registered Agent.
Financial has not reviewed all of the sites linked to This Site and is not responsible
for the Content of any off-site pages or any other sites linked to This Site. Your
linking to any other off-site pages or other sites is at your own risk.
Prestige Financial uses reasonable efforts to include accurate and up to date information
in This Site, Prestige Financial makes no warranties or representations as to its
accuracy. Prestige Financial shall not be held responsible for any action taken
that is based on the information presented on This Site, and all users of This Site
agree that access and use of This Site is at the user's own risk. Prestige Financial
assumes no liability or responsibility for any errors or omissions in the Content
of This Site. For more information, please refer to This Site's Disclaimer.
- This Site may include discussion forums or other interactive areas, including chat
rooms or bulletin boards. Forums and interactive areas shall be used only for non-commercial
purposes. This Site has the right, but not the obligation, to monitor any activity
and Content associated with its forums and interactive areas. This Site may investigate
any reported violation of its policies or complaints and take any appropriate action
that it deems appropriate. Such action may include, but is not limited to, issuing
warnings, suspension or termination of service, and/or removal of posted Content.
By using any forum or interactive areas, you agree not to do any of the following:
1) Impersonate any person or entity or otherwise misrepresent your affiliation with
a person or entity; 2) Upload or transmit any Content that may infringe any patent,
trademark, trade secret, copyright or other intellectual or proprietary right of
any party. By posting any Content, you represent and warrant that you have the lawful
right to distribute and reproduce such Content; 3) Upload or transmit any Content
that would constitute or encourage a criminal offense, violate the rights of any
party, or that would otherwise create liability or violate any local, state, national,
or international law, including without limitation, the regulations of the U.S.
Securities and Exchange Commission, any rules of any securities exchange such as
the New York Stock Exchange, the American Stock Exchange, or the NASDAQ; 4) Upload
to, distribute or otherwise publish through This Site any Content that is unlawful,
libelous, defamatory, obscene, pornographic, indecent, lewd, harassing, threatening,
harmful, invasive of privacy or publicity rights, abusive, inflammatory or otherwise
objectionable; and 5) Without This Site's written permission, distribute or publish
unsolicited promotions, advertising or solicitations for funds, goods or services,
including junk mail and spam.
- Your use of and browsing in This Site are at your
own risk. You shall remain solely liable for the Content of any messages or other
information you upload or transmit to This Site, including the discussion forums
or interactive areas of This Site. You agree to indemnify and hold harmless This
Site from any claim, action, demand, loss, or damages (including attorney's fees)
made or incurred by any third party arising out of or relating to your conduct,
your violation of these Terms and Conditions, or your violation of any rights of
a third party. Neither Prestige Financial nor any other party involved in creating,
producing, hosting or delivering This Site is liable for any direct, incidental,
consequential, indirect, or punitive damages arising out your access to, or use
of, This Site or its Content, including damages caused by or related to interruptions,
defects, delay in operation or transmission. Without limiting the foregoing, everything
on This Site is provided to you AS IS,' WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED
OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT’. Please note that some
jurisdictions may not allow the exclusion of implied warranties, so some of the
above exclusions may not apply to you. Check your local laws for any restrictions
or limitations regarding the exclusion of implied warranties.
- Prestige Financial
also assumes no responsibility, and shall not be liable for, any damages to, or
viruses that may infect your computer equipment or other property on account of
your access to, use of, or browsing in This Site or your downloading of any materials,
data, text, images, video or audio from This Site.
- Any communication or material
you transmit to This Site by electronic mail or otherwise, including any nonpublic
personal information, data, questions, comments, suggestions, or the like is, and
will be treated as non-proprietary. Anything you transmit or post may be used by
Prestige Financial or its Affiliates or Nonaffiliated Third Parties for any purposes
Financial is free to use any ideas, concepts, know-how, or techniques contained
in any communication you send to This Site for any purpose whatsoever including,
but not limited to, developing, manufacturing, marketing, and selling products or
services using such ideas, concepts, know-how, or techniques.
- Prestige Financial
may at any time revise these Terms and Conditions by updating this posting. You
are bound by any such revisions and should therefore periodically visit this page
to review the then current Terms and Conditions to which you are bound.
Financial maintains This Site as a service to the Internet community. This Site
has been designed to provide general information about Prestige Financial and products
and/or services available through Prestige Financial, and to make those products
and/or services available to the Internet community. These pages are not intended
to provide financial or legal advice, nor do they provide instruction on the appropriate
use of products and/or services promoted by Prestige Financial, its parents, Affiliates
or Nonaffiliated Third Parties, or its licensors or joint venture partners. This
Site and the services offered herein are provided solely as a forum and technical
interface that permits users to access credit-related services. Information on This
Site regarding products and/or services approved for marketing is qualified in its
entirety by reverence to the full descriptive information for such products, available
- You agree that the laws and statutes of the United States and
the state of Utah, USA, without regard to conflict of laws principles, will apply
to all matters relating to This Site and that all litigation in connection with
This Site shall be subject to the exclusive jurisdiction of the state or federal
courts in Utah, USA.
ELECTRONIC FUNDS TRANSFER (EFT) DISCLOSURE
In our ongoing effort to improve efficiency and to provide you with the best servicing
of your loan account, prestige Financial may convert your payments by check (whether
submitted by you as a paper check, an electronic check through the Internet or as
a telephone-initiated payment) to an electronic funds transfer (EFT) through the
banking system's automated clearing house. This means that your account may be charged
the same day or the day after your check is received by
Prestige. Although the transaction will appear on your bank statement record, your
check will not be returned to your bank. Payments returned unpaid by your financial
institution will be assessed a fee according to the consumer regulations of the
state in which you purchased your vehicle. Please be aware that your payment by
check constitutes acceptance of these terms.
Please direct legal notices to:
1420 South 500 West
Salt Lake City, UT 84115