CONSENT AND AGREEMENT FOR ELECTRONIC RECORDS

 

Please read this information carefully and print a copy and/or retain this information electronically for future reference. You should decide whether doing business electronically and electronic documents (paperless documents) or paper documents are best for you. Doing business electronically and paperless documents can offer significant advantages in terms of speed and convenience.

 

Introduction. The words “You” and “Your” mean each person who electronically signs and accepts the terms of this Consent for Electronic Records (“Consent Agreement”). The words “we” and “us” and “our” mean Buy Here Pay Here USA, LLC (“BHPH”). We can only give you the benefits of our on-line service if you consent to the use or acceptance of electronic signatures and to the use or acceptance of electronic records or disclosures in this transaction (“Your Consent”). By agreeing to this Consent Agreement, you acknowledge that you have read this Consent Agreement and that you consent to use electronic signatures and to conduct this transaction by use of electronic disclosures and all legal, regulatory, and contractual documents necessary to do business with us (“Records”). The types of Records we may send you include various types of legal notices, including but not limited to: credit application, application disclosures, privacy statements, important terms of your account and disclosure statement, summary of terms, initial disclosure statements, periodic statements, and promotional offer information. You may also receive notices of credit decisions, change in terms notices, notices of increase or decrease in credit lines, account updates and statements and other information.

 

Requests for paper versions. You may request a paper copy from BHPH of any of the Records by writing to BHPH with the details of your request at: underwriting@buyherepayhereusa.com. Your request for paper copies may be made after Your Consent and after any withdrawal of Your Consent. BHPH will provide the paper copies to you at no charge. BHPH shall retain the Records as required by law.

 

Consenting to Do Business Electronically. Before giving Your Consent, you should consider whether you have the required hardware and software capabilities described below.

 

Scope of Your Consent. Your Consent and our agreement to conduct this transaction electronically only apply to this transaction and any transaction we arrange on your behalf. By exercising Your Consent, BHPH (and any party providing credit that we arrange) will conduct this transaction with you electronically.

 

Hardware and Software Requirements. To access and retain the Records electronically, you will need to use the following computer software and hardware: An IBM™ or MAC™ compatible computer with Internet access and an Internet Browser that supports 128 bit encryption; an account with an email service provider compatible with your email software. To access the latest Internet Browser versions of Safari™, Microsoft Internet Explorer™, Firefox™ and/or Google Chrome™. http://www.apple.com/support/; http://www.microsoft.com/; https://www.mozilla.org/; and https://www.google.com/chrome/. You may incur Internet-related costs in connection with electronic delivery, such as the costs charged to you by your Internet Service Provider and local telephone companies for the time you spend on the Internet or the costs associated with printing email notifications and Records. If at any time during this transaction these requirements change in a way that creates a material risk that you may not be able to receive Records electronically, we will notify you of these changes.

 

Email notifications and Records may be made available in either HTML (regular Web hypertext) or Portable Document Format PDF format. Records may be viewed electronically via the Web. You may also print Records with a local printer. Records may be saved to your computed storing the hyperlink on your computer or by downloading and saving the Record the way you would any other file from the Internet. You will need sufficient electronic storage capacity on your computer's hard drive or other data storage unit, in order to download and save Records. To print Records, you will need a printer that is capable of printing from your browser, your email or other applicable software application, or your hard drive or other data storage unit, in order to print paper copies of Records.

 

For viewing, printing, storing or downloading your email announcements or the linked Web pages containing additional information, you should use the newest version of your web browser with JavaScript enabled. To access the documents (outlined above) we may deliver to you electronically in printer-friendly and PDF format, you will need Adobe Acrobat Reader™ https://get.adobe.com/reader/ or similar software, such as Foxit Reader™ http://www.foxitsoftware.com/.

 

Test Document

 

If you do not see a document that reads “Test” then you do not have PDF Reader installed on your computer. You can download the necessary software free at any time by clicking on the links below. You should follow the instructions for the download and terms and conditions governing the use of the PDF Reader. The download process may take several minutes. When you successfully complete the download, please return to this page either by book-marking it or using the “back” or history button on your browser to complete the enrollment process.

 

Adobe Acrobat Reader™ or Foxit Reader™

 

Consent to Collect, Process and Use Computer/Device Information. To protect both you and us, we use services provided by a third-party to help decide whether to accept transactions from personal computers, mobile phones, or other devices. The third-party service checks whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For this purpose, a cookie file, flash storage token, or other code file may be placed on your device to identify it in the future when you visit our website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third-party’s server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third-party’s server responds with a code recommending that transactions be accepted, denied, or reviewed, according to settings we have selected. We also report to the third-party if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our website or application. We share with the third-party referenced above only information about the device you are using, which may also have been used or appropriated by others, and do not identify you or reveal the details of your transaction to that third-party.

 

Maintaining Valid Email Address. You agree to maintain a true, accurate, valid, active, and complete email address. You must promptly notify us of any change in your e-mail address by contacting Customer Service at 423-472-2000 or by notifying us in writing at underwriting@buyherepayhereusa.com.

 

Withdrawing Your Consent. You are free to withdraw Your Consent at any time and at no charge to you. If at any time you wish to withdraw Your Consent, you can send us your request by email to: underwriting@buyherepayhereusa.com. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Records will not be affected.

 

Change to Your Contact Information. You should promptly notify us and keep us informed of any change in your electronic address or mailing address. You may contact BHPH Customer Service by telephone at 423-472-2000 or by e-mail at underwriting@buyherepayhereusa.com regarding any such changes. You understand that you should contact us to report any problem with your receiving paperless statements. Except to the extent otherwise required by applicable law, you agree that we have no obligation to re-send, re-transmit, or otherwise deliver to you any Record that we electronically have transmitted to the email address, mobile telephone number, or other electronic address you have provided to us and that has been returned “undeliverable” or otherwise rejected for delivery.

 

Account Security and Notification. You understand that if you disclose your password to other people, they may also have the ability to access your Account. You agree to notify us immediately if you believe any of your Account has been accessed without your permission.

 

Other important terms and conditions. You agree that we will not be liable for any delays or failures in performance or for any interruptions arising from any cause or circumstance beyond our reasonable control. You will not send any computer viruses or other messages that could damage our systems. You further agree that you may not assign or transfer this Consent Agreement and that any attempt to assign or transfer this Consent Agreement by you shall be null and void. This Consent Agreement shall be construed according to federal law, including the Electronic Signatures in Global and National Commerce Act (the “Act”) and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. We reserve the right to send paper disclosures in lieu of electronic Records.

 

Amendments and Modifications. We reserve the right, in our sole discretion, to discontinue the use of electronic Records in connection with any service or to terminate or change the terms and conditions on which you and we use and exchange Records as provided in this Consent Agreement (including changing the hardware and software requirements), or otherwise to amend this Consent Agreement. We also reserve the right to require you to re-accept any amended version of this Consent Agreement as a condition for continuing to do business with us electronically.

 

YOUR ABILITY TO ACCESS RECORDS. BY CHECKING THE BOX BELOW, YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE RECORDS IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

 

CONSENT. BY SUBMITTING THE APPLICATION, YOU ACKNOWLEDGE THAT YOU HAVE READ THE INFORMATION ABOUT ELECTRONIC SIGNATURES AND DOING BUSINESS ELECTRONICALLY IN THIS CONSENT AND AGREEMENT FOR ELECTRONIC RECORDS. YOU ACKNOWLEDGE AND DEMONSTRATE THAT (I) YOU CAN ACCESS, AND HAVE REGULAR ACCESS TO ALL APPLICABLE HARDWARE AND SOFTWARE REQUIREMENTS; AND (II) YOU CAN VIEW AND RETAIN THE RECORDS, INCLUDING EMAILS, ACCOUNT DOCUMENTS AND WEB SITES DESCRIBED ABOVE IN EITHER HTML OR PDF FORMATS, AS APPLICABLE. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL RECORDS PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH BHPH ELECTRONICALLY. YOU ACKNOWLEDGE AND CONSENT FOR US TO COLLECT, PROCESS AND USE YOUR COMPUTER OR DEVICE INFORMATION TO HELP DETERMINE WHETHER SUCH COMPUTER OR DEVICE MAY HAVE BEEN USED IN CONNECTION WITH A FRAUDULENT OR ABUSIVE TRANSACTION IN THE PAST, SUCH AS REPORTED INSTANCES OF IDENTITY THEFT, ACCOUNT TAKEOVERS, OR MALWARE ATTACKS. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE RECORDS, WHICH BHPH WILL PROVIDE TO YOU AT NO CHARGE. YOU AGREE TO BE BOUND BY THE TERMS OF THIS CONSENT AGREEMENT.

 

IF, AFTER READING THE INFORMATION ABOUT THE RECORDS, YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES AND/OR CONDUCT THIS TRANSACTION ELECTRONICALLY, DO NOT MOVE FORWARD WITH THE PROCESS. YOU ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC RECORDS IS REQUIRED IN ORDER TO APPLY FOR CREDIT WITH BHPH OVER THE INTERNET. YOU MAY CALL BHPH AND REQUEST TO CONDUCT THIS TRANSACTION IN PERSON AT ONE OF ITS RETAIL LOCATIONS.

 

We recommend that you print this Consent Agreement and retain it for future reference or save it to your computer. To print from your browser, click “File” and then choose “Print.” To save from your browser, click “File” and then choose “Save.”

 

How do I dispute account information that is on my credit report?

Contact the Credit Dispute Resolution Group in writing at:

P.O. Box 728
Cleveland, Tennessee 37364-0728


Include all or as many of the following items as possible when you write to them:

  • Complete Name
  • Address (Street, city, state, zip code)
  • Telephone number
  • Date of birth
  • Last 4 digits of your social security number
  • The specific item or transaction you are disputing
  • An explanation of all the facts for why you believe the item is inaccurate or incomplete. (Be as specific as possible, describe what is inaccurate or incomplete and why, and request that it be removed or corrected.)
  • A copy of your credit report showing or circling or marking the item (if available), or the date of your credit report (if available)
  • Copies of all supporting documents. For example, payment records, cancelled checks, court documents, police reports or an FTC Identity Theft Report, showing that an account was the result of identity theft, bankruptcy schedules showing that an account was included in or discharged in bankruptcy (if available)

Only include copies and do not send original documentation. If they do not receive sufficient information, they cannot investigate your claims. They cannot return any copies from your mailed request.



Please read Buy Here Pay Here USA's privacy policy before using this website. By using Buy Here Pay Here USA's website, you acknowledge and agree you have read and agree to the following privacy terms.

In connection with your transaction, whether online or at our dealership, Buy Here Pay Here USA may acquire information about you as described in this policy, which Buy Here Pay Here USA handles as stated in this policy. Buy Here Pay Here USA may collect personally identifiable information such as name, postal address, telephone number, email address, social security number, date of birth, etc. While Buy Here Pay Here USA makes reasonable efforts to secure all data submitted via this website, Buy Here Pay Here USA cannot guarantee security of personal information, and all information submitted via this website is at your own risk.
By visiting this website and/or agreeing to share your location with Buy Here Pay Here USA, Buy Here Pay Here USA may acquire non-personally identifiable information about you, such as your geographic location, internet service provider, internet browser, IP address, search engine or referral source you used to access this website, and browsing preferences. By using this website, you acknowledge and agree Buy Here Pay Here USA may use this anonymized information to improve the experience of our customers and visitors to this website.
Buy Here Pay Here USA uses cookies on this website to help collect some identifiable personal data. The cookies also enable Buy Here Pay Here USA to tie the URL of the device you use to provide certain personal information on Buy Here Pay Here USA's website to other personal information you may provide to Buy Here Pay Here USA at the dealership. This personal information is collected and used by Buy Here Pay Here USA for the purpose of facilitating a relationship or business transaction and customizing Buy Here Pay Here USA's interaction with you. By entering and using our website, and by voluntarily providing Buy Here Pay Here USA with your personal information, you consent to Buy Here Pay Here USA tying your personal information to the URL of the device you use to enter Buy Here Pay Here USA's website. Disabling the cookies on your web browser or withholding your personal information at the dealership will prevent Buy Here Pay Here USA from tying your URL to any personal information you provided to Buy Here Pay Here USA at the dealership.

In addition, Buy Here Pay Here USA or our business partners use Google Analytics to help collect and process some of the information Buy Here Pay Here USA collects about you. To learn more about how Google uses data when you use this site, please review Google’s privacy policy here: www.google.com/policies/privacy/partners/.
Buy Here Pay Here USA's website resides behind a firewall and uses SSL (Secure Sockets Layer, the industry-standard security protocol used to communicate with browsers) to transmit personal information. Data is strongly encrypted during transmission to ensure that personal and payment information is secure. Industry-standard data encryption techniques are used to protect personal information on our servers. SSL-capable browsers typically have a symbol on the browser window to indicate when they are in a secure mode. In addition, the URL will begin with "https:" for all browsers.
Buy Here Pay Here USA only shares your information with our affiliates or business partners, and such disclosure is made only in connection with our regular business practices. Buy Here Pay Here USA does not sell, rent, or disclose email addresses to any other organizations.
If you have any questions about this policy or Buy Here Pay Here USA's privacy practices, please contact Buy Here Pay Here USA.

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