The following terms and conditions (“Terms and Conditions”) govern your use of the World Wide Web Site located at www.exfonline.com (this “website”). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree with them, and you intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.

THIS WEBSITE IS OWNED BY EXECUTIVE FINANCIAL COMPANY (“EXF”), A DEBT COLLECTOR. EXF IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION EXF OBTAINS WILL BE USED FOR THAT PURPOSE. By using this website, you certify that the information you are providing is accurate and that EXF may rely on the information provided and further, you authorize EXF to utilize any provided information in EXF’s preparation of its response to any request that you make.

Contacting You:

By using our website you agree that EXF, in order for it to service your account or to collect any amounts you may owe, EXF may contact you by telephone at any telephone number that you provided to EXF or to parties under contract with EXF and/or is associated with your account, including wireless telephone numbers, which could result in charges to you. We may also contact you by sending text messages or emails, using any wireless telephone number or e-mail address you provided to EXF or to parties under contract with EXF and/or is associated with your account. Methods of contact may include using prerecorded/artificial voice messages and/or use of an automatic dialing device, as applicable. I/We have read this disclosure and agree that EXF may contact me/us as described above.

Disclaimers and Limitation of Liability:

This website, the website materials on and in and made available through this website, and the services, information, and products offered by EXF, in connection therewith are made available “as is” and “with all faults” and EXF make no representations or warranties, and disclaim all representations and warranties, with respect to this website, including, but not limited to, the implied warranties of merchantability or fitness for a particular purpose. Use of this website is entirely at your own risk.

EXF shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose.

Privacy Statement:

EXF has a Privacy Notice setting out EXF’s online information gathering and dissemination practices with respect to the website. The Privacy Notice is incorporated into these Terms and Conditions by reference, as if set forth fully herein.

Termination of Rights:

EXF reserves the right to terminate your access to this website in the event that you violate these Terms and Conditions or for any reason or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.

Indemnification:

You agree to indemnify and hold harmless EXF, and its directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from your violation of these Terms and Conditions.

Types of Communications:

By agreeing to these Terms of Use, you consent to receive communications from us electronically. These communications may include, but are not limited to, transactional messages (such as payment reminders, confirmations, or updates regarding your account), promotional messages (including offers, newsletters, and special promotions), and service-related announcements. The type and frequency of messages will depend on your interactions with our services and your preferences.

Opt-Out and Opt-Back-In of Communications:

You have the right to opt-out of receiving promotional communications at any time. To opt-out, you can follow the “unsubscribe” link included in our promotional emails or adjust your communication preferences in your account settings. For SMS or other mobile notifications, reply “STOP” to opt-out. Please note that even if you opt-out of promotional messages, you will still receive transactional and service-related communications necessary for managing your account and services.

If you wish to opt back into receiving promotional communications after opting out, you can update your preferences in your account settings or contact our support team to reactivate these notifications.

Carrier Liability:

By using our services, you acknowledge and agree that your mobile carrier is not responsible or liable for any delayed, undelivered, or incomplete messages sent through our platform. We are not responsible for any issues arising from message transmission delays, failures, or errors caused by your carrier’s network or service interruptions.

Message and Data Rates:

Standard message and data rates may apply to any messages sent or received as part of your interaction with our services. These charges are determined by your mobile carrier and are your responsibility. Please check with your carrier for more details on applicable fees.

Changes to these Terms and Conditions:

These Terms and Conditions may be changed at any time. EXF reserves the right to add, modify or delete any information on this website at any time, with or without notice. Any change to these Terms and Conditions shall be effective to any visitor who has visited the website before the change was made. Without limiting the generality of anything else, EXF makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and it shall not be responsible for any errors or omissions in the website.

Privacy Policy

This Privacy Notice sets forth the information gathering, use, and dissemination practices of Executive Financial Company (“EXF”) in connection with the World Wide Web site located at www.exfonline.com (“website”). This Privacy Notice addresses EXF’s practices regarding information collected only directly through or from its website – it does not address or govern any information gathering, use, or dissemination practices related to information collected other than directly through or from its website, including, without limitation, from or via telephone, facsimile, postal mail, personal delivery, or other or additional offline means or media.  By using our website, you consent to our privacy policy.

EXF collects, uses, and stores information on the domain you use to access its website, the Internet address of the site from which you linked directly to its website, and the date and time of your visit to its website. This information may be used to measure the number of visitors to the various pages on the EXF website, to help make improvements to the information contained on the site, and to better serve site visitors through special marketing and service programs, among others. EXF also collects, uses, and stores the e-mail addresses of users that communicate with EXF via e-mail, information knowingly provided by website users, and information regarding which website pages users’ access.

Personal information contained in e-mail sent by individuals may be used by EXF to answer questions, follow up on suggestions or complaints, process requests or transactions, or improve the level of service EXF provides.

EXF does not sell, trade, or otherwise transfer to outside parties, your personal identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, including parties under contract with EXF, servicing you and your account or with whom EXF has entered into a corporate transaction, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Except as necessary for EXF to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraph, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to EXF through or from its website, prospectively retained by EXF, used by EXF for secondary purposes, or disclosed by EXF to third parties where permitted by law, by contacting EXF via postal mail at the address set out below, by phone at +1.800.223.2269.

While EXF may undertake efforts to see that another party to which EXF shares personal information is under a contractual obligation to use the personal information solely for the purposes for which the information was disclosed by EXF, EXF exercises no control over such parties and EXF is not responsible for their conduct, actions, omissions, or information handling or dissemination practices.

Although we believe that the website is secure, E-mail posted or sent through this website could be intercepted by unauthorized individuals. To protect against interception by such unauthorized individuals EXF has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information. Additionally, to further safeguard this information, our employees are asked to agree to EXF’s Confidentiality Agreement and are subject to disciplinary action up to and including termination of employment if they fail to follow signed agreements.

In your communications with EXF, whether by email or U.S. Postal Service, be sure to include your name, your mailing address, the EXF reference/account number, creditor name, and creditor account number so that we may process your inquiry and respond promptly. Without complete information, we will be unable to respond to your request.

If you do not wish to communicate with EXF by email regarding a debt that has been placed for collection with EXF, non-email correspondence regarding that account should include the account information as described above and should be sent by U.S. Postal Service. The address for mailing inquiries is:

Executive Financial Company
Po Box 1168  Flint, MI 48501

We do not and will not sell or lease your personal information, except as required by law. Contact information, such as email addresses and text messaging numbers will be shared with the originator of the messaging service, including opt-in data and consent. This information will not be shared with any third parties or affiliates for marketing or promotional purposes.

EXF may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Notice since their last visit. Any change to this Privacy Notice shall be effective as to any website user who has visited the website before the change was made.