Terms of Service

This firm is a debt collector, as defined by 15 U.S.C. §1692(a)(6), and this is an attempt to collect a debt. Any information obtained by us will be used for that purpose.

I accept the Terms & Conditions and wish to proceed with making a payment.

I have read the CAC Financial Corp (“CAC”) Privacy Policy.

I acknowledge that CAC is a debt collector.

I acknowledge that I am a party to any accounts(s) for which I create an Account. I also agree that if I am accessing any information on the website that I am the consumer on the accounts serviced by CAC or I am authorized by the consumer to access any and all accounts related to the consumer which are serviced by CAC.

Legal Disclaimer

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Email & Text Consent Disclosure

To communicate with you via email, CAC requires your consent. By consenting to communicate with CAC via email, you confirm and agree to the following.

• You have read the CAC email communications policy and disclosures, and you authorize CAC to communicate with you by email;

• The email address you provide above is a personal email address and not provided by your employer, or a work or school email address. Work, government, and school email address are not private and may be subject to third parties accessing that information. If you provide an email address that may be monitored by third parties, you consent to any third party disclosure that may occur;

• Only you have access to emails sent to and from the email address provided above;

• You agree to take reasonable precautions to ensure the non-disclosure of email communications with CAC, which may contain private, sensitive, and/or confidential information;

• Notwithstanding the foregoing, to the extent that any third-party disclosure of email and/or voicemail communications with CAC occurs, you consent to the disclosure of the same to such third parties;

• You are not represented by an attorney;

• You are not an active member of the United States Military or its Allies; and

• Your account(s) have not been discharged in bankruptcy.

• Your account(s) is/are not part of any pending bankruptcy proceeding.

• You are not a petitioner in any pending bankruptcy proceeding.

• You authorize CAC to provide any account-related documents to the authorized email address.

By providing consent you are acknowledging that this is a private, non-business-based email address and authorize CAC Financial Corp to send electronic communications via email.

Email & Text Consent

I have read the CAC Financial Corp Email communication policy and disclosures, and I authorize CAC to communicate with me about this account by email.

By providing my phone number, you provide consent under the Telephone Consumer Protection Act (“TCPA”) to receive phone calls and text messages from CAC about my account if necessary.

Your use of this website is conditioned upon acceptance of these terms.

Terms and Conditions for SMS Communication

By opting in to receive SMS communications from CAC Financial Corp (“we,” “us,” or “our”),

you agree to the following terms and conditions:

Program Description: you may receive text messages from CAC Financial Corp regarding the following: status updates, payment reminders, billing notification, delivery updates when applicable, or other matters pertaining strictly to your account.

● Consent to Receive SMS- By providing your mobile phone number, you consent to

receive SMS messages from CAC Financial Corp related to order updates or

customer service inquiries. Message frequency may vary based on your interactions

with us.

● Message and Data Rates- Standard message and data rates may apply depending

on your mobile carrier and plan. You are responsible for any charges incurred for

receiving SMS messages.

● Opting Out-You may opt out of receiving SMS messages at any time by replying

with “STOP” to any SMS message you receive from us. After opting out, you will

receive a confirmation message, and we will cease sending SMS messages to your

number. Please note that opting out may affect your ability to receive certain types of

communications.

● Help and Support- If you need assistance or have questions about our SMS service,

reply with “HELP” to any SMS message you receive, or contact our customer

support team at consumerhelp@cacfinancial.com.

● Privacy- Your mobile phone number and other personal information will be handled

in accordance with our Privacy Policy, available at Privacy Policy. We do not sell or

share your phone number with third parties except as required by law.

● Changes to Terms- We may update these terms and conditions from time to time.

Any changes will be effective when we send a new SMS message or update our

terms on our website. Your continued use of the SMS service constitutes acceptance

of the revised terms.

● Liability- CAC Financial Corp is not responsible for any delays or failures in the

delivery of SMS messages due to issues with your mobile carrier or other technical

problems.

By opting in, you acknowledge that you have read, understood, and agree to these terms

and conditions.

Privacy Policy

We will not share your SMS opt-in information with any third party for any reason other than deliver the specific services associated with the campaign. However, we may share your personal data, including your SMS opt-in or consent status, with third parties that assist us in providing messaging services, such as platform providers, phone carriers, and other vendors involved in delivering text messages.