Escolar Documentos
Profissional Documentos
Cultura Documentos
CUSTOMER DISCLOSURES
Our credit serv ices are intended to assist you in ev aluating, arranging, processing, and serv icing a loan from a third
party lender. Our credit serv ices help you get the cash you need to meet your immediate financial needs. This
application w ill be used by us for underw riting our credit serv ices as w ell as by a third party lender. Our credit
serv ices and any third party loan made pursuant to this Application may not be at the low est rate or best terms
av ailable. You may shop for credit serv ices and loans from other prov iders and lenders w ithout any obligation to us.
We encourage you to discuss your financial situation w ith a non-profit credit counseling serv ice that may be
av ailable to consumers in your community if you feel the need.
As part of our credit serv ices to you, w e may assist you in obtaining loans that meet your short term or longer term
needs, repaid in one or more payments. The loan product(s) for w hich you are eligible and the fee associated w ith
such product and our serv ices may v ary according to underw riting for our credit serv ices and that of the third party
lender. You should consider your financial needs in determining the loan product that best serv es you. You w ill be
charged additional fees if you renew a loan. Moreov er, if there w ere insufficient funds in your bank account on the
date w e attempted to affect an ACH debit entry to pay all of part of w hat you ow e, you w ould incur a Return Item Fee of
$30.00. Your bank may also impose fees for returning ACH debit entries unpaid and, if this practice persists, may
ev en close your deposit account. We encourage you to ask questions w ith regard to the cost of credit.
PRIVACY POLICY. Protecting your privacy is important to EZMONEY Loan Services, our employees, and the third party lender,
who may make a loan to you. We, collectively EZMONEY Loan Services, and the third party lender when used in this Privacy
Policy, want you to understand what information we collect and how we use and share the information, whether you’re a current or
former customer.
WHAT INFORMATION WE COLLECT. We may collect “non-public personal information” about you when you visit us in person,
over the phone, through the mail, or through our website from the following sources:
From you on applications, other sources or forms;
From your transactions with us, our affiliates or others; and
Information we receive from consumer reporting agencies.
INFORMATION WE SHARE. We do not disclose any personal information about you to anyone, except as permitted by law. We
are permitted by law to share the information we collect from you application and other forms, transactions, and consumer
reporting agency reports, as described above, in accordance with applicable law. We may share the information that we collect
with companies that perform marketing services on our behalf or with other financial institutions with which we have joint
marketing agreements, such as marketing firms. This enables us to better anticipate and meet your financial needs. For your
protection, we require that these companies keep all personal information secure and confidential.
SECURITY OF PRIVACY. Our Associate Ethics and Code of Conduct and Privacy Agreements with our vendors and external
suppliers require that your personal information remain confidential. We restrict access to non-public personal information about
you to our Associate and agents who need to know that information to provide products or services to you. Associates who
violate our policies and procedures regarding privacy are subject to disciplinary action. Our vendors and external suppliers are
bound to uphold our procedures regarding privacy under the terms of our legal contracts with them. Plus, we maintain physical,
electronic, and procedural safeguards that comply with federal standards to guard your personal information.
NEGATIVE INFORMATION. We may report information about your account to credit bureaus. Late payments, missed payments,
or other defaults on your account may be reflected on your credit report.
ECOA NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the
basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding
contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has
in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with
this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.
CSO Disclosure and Loan Terms: EZMONEY Loan Services is a registered Texas credit services organization. Our services include assisting you in the arranging, processing and
servicing of a loan from a third party lender. You acknowledge that you have been advised that our credit services and any third party loan made pursuant to this Application may not be
at the lowest rate or best terms available, and that you may shop for credit services and loans from other providers and lenders without any obligation to us. You must complete an
application at least once every six months.
See reverse side for additional Terms and Conditions
[Specimen Signature of Joseph L. Rotunda] (Borrow er's Signature to the abov e Agreements Appears Below )
This Application will be deemed incomplete and will not be processed by us unless signed by you below.
______________________________ ___________________________
Print Name of Applicant Date
______________________________
Signature