Terms of Service

Last Updated: July 27, 2018

Welcome to the ACA website and our affiliated websites and online services (collectively, our “Websites”) that are owned by American Credit Acceptance (“ACA,” “we” and “us”).  These Terms of Use (“Terms”) apply to and govern our Websites, regardless of how you access or use them, including through mobile devices.

BY USING THESE WEBSITES, YOU ARE ACCEPTING THE PRACTICES DESCRIBED IN THESE TERMS AND OUR PRIVACY POLICY[NM1] .  IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THE WEBSITES.  WE RESERVE THE RIGHT TO MODIFY OR AMEND THESE TERMS FROM TIME TO TIME WITHOUT NOTICE. YOUR CONTINUED USE OF THE WEBSITES FOLLOWING THE POSTING OF CHANGES TO THESE TERMS WILL MEAN YOU ACCEPT THOSE CHANGES.

To the extent that these Terms conflict with any retail installment contract, modification to a retail installment contract, or settlement that you have agreed to with ACA, the retail installment contract, modifications to the contract, or settlement shall control.

Privacy.  ACA cares about the privacy of your information. Please read our Privacy Policy, which outlines how ACA collects information about you through the Websites, how information will be shared and secured, and certain rights you have with respect to your information.  Our Privacy Policy is incorporated into and is a part of these Terms.

Assistance.  If you have any questions or comments, we invite you to contact us at Marketing_ACA@ACAcceptance.com.

Account Creation.  You understand that you will need to create an account to have access to the Websites.  In consideration of your use of the Websites, you will: (a) provide true, accurate, current and complete information about yourself as prompted by the Websites’ registration process and (b) maintain and promptly update your information to keep it true, accurate, current and complete.  If ACA suspects that such information is untrue, inaccurate, not current or incomplete, ACA has the right to suspend or terminate your account and refuse any and all use of the Websites.

You are entirely responsible for the security and confidentiality of your password and account.  Furthermore, you are entirely responsible for any and all activities that occur under your account.  You agree to immediately notify us of any unauthorized use of your account or any other breach of security of which you become aware.  You are responsible for taking precautions and providing security measures best suited for your situation and intended use of the Websites. Please note that anyone able to provide your username and password will be able to access your account, so you should take reasonable steps to protect this information.

User Obligations.  You agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of the Websites.  Without limiting the generality of the foregoing, you agree that you shall not use nor disclose to any other party in a manner not permitted by these Terms any personally identifiable information which you receive or which is made available from ACA in connection with these Terms or on the Websites.  In addition, you also acknowledge and agree that use of the Internet and access to or transmissions or communications with the Websites is solely at your own risk.

You agree that you will not use any robot, spider, scraper or other automated means to access the Websites for any purpose without our express written permission.  Additionally, you agree that you will not: (i) take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; (ii) interfere or attempt to interfere with the proper working of the site or any activities conducted on the Websites; or (iii) bypass any measures we may use to prevent or restrict access to any portion of the Websites or our computer systems.  Any unauthorized use of our computer systems is a violation of these Terms.  In addition to any remedies that we may have at law or in equity, if we determine, in our sole discretion, that you have violated or are likely to violate the foregoing prohibitions, we may take any action we deem necessary to prevent or cure the violation, including without limitation, the immediate termination of your access to the Websites.

Payments.  The Websites may enable you to make payments that are due under retail installment contracts or other contracts you have entered with ACA.  ACA uses a third party service provider to manage this online payment process, and provides a link from the Websites to that third party service provider’s website for you to make these payments

In the event legal action is necessary to collect on balances due, you agree to reimburse ACA for all expenses incurred to recover sums due, including attorneys’ fees and other legal expenses.  You are responsible for purchase of, and payment of charges for, all Internet access services needed for use of these Websites and any and all fees charged to you by your financial institution related to the charges.  Payment obligations are non-cancelable and fees paid are non-refundable.  ACA may suspend or terminate your account, in addition to other rights and remedies, if fees are past due.  You shall provide ACA with written notice of any disputed charges within [ten (10)] business days of the date of the charge.  Notice of the dispute must provide in reasonable detail a statement of the basis for disputing the charge.

Accuracy of Information. We attempt to ensure that information on the Websites is complete, accurate and current.  Despite our efforts, the information on the Websites may occasionally be inaccurate, incomplete or out of date.  We make no representation as to the completeness, accuracy or currency of any information on the Websites.

Links.  From time to time, these Websites may contain links to third-party websites that are not owned, operated or controlled by ACA or its affiliates.  All such links are provided solely as a convenience to you.  If you use these links, you will leave these Websites.  Neither we nor any of our respective affiliates are responsible for any content, materials or other information located on or accessible from any other websites.  Neither we nor any of our respective affiliates endorse, guarantee, or make any representations or warranties regarding any other websites, or any content, materials or other information located or accessible from any other websites, or the results that you may obtain from using any other websites.  If you decide to access any other websites linked to or from these Websites, you do so entirely at your own risk.

Copyright, Trademark, And Ownership.  All of the content displayed on the Websites, including without limitation text, graphics, photographs, images, moving images, sound, and illustrations (“Content”), is owned by ACA, its licensors, agents or its Content providers. All elements of the Websites, including, without limitation, the Websites’ general design, ACA’s trademarks, service marks, trade names (including the ACA’s name, logos, and the Websites’ design), and other Content, are protected by trade dress, copyright, moral rights, trademark and other laws relating to intellectual property rights.  The Websites may only be used for the intended purpose for which it is being made available.  Except as may be otherwise indicated on the Websites, you are authorized to view, play, print and download documents, audio and video found on our Websites for personal, informational, and non-commercial purposes only.

You may not use, copy, reproduce, republish, upload, post, transmit, distribute, or modify the Content or ACA’s trademarks in any way, including in advertising or publicity pertaining to distribution of materials on the Websites, without ACA’s prior written consent.  The use of ACA trademarks on any other website is not allowed without our prior express written permission.  ACA prohibits the use of ACA trademarks as a “hot” link on or to any other website unless establishment of such a link is approved in advance.  The Websites, its Content and all related rights shall remain the exclusive property of ACA or its licensors unless otherwise expressly agreed.  You will not remove any copyright, trademark or other proprietary notices from material found on the Websites.

Unsolicited Submissions Policy.  ACA is pleased to hear from its loyal users and welcomes your comments regarding ACA.  Except where ACA specifically requests comments or submissions, ACA does not accept or consider creative ideas, suggestions, or materials other than those it has specifically requested.  This policy is designed to avoid misunderstandings if projects developed by ACA’s professional staff seem to others to be similar to their own creative work.  Accordingly, ACA requests that you not submit any creative ideas, suggestions, or materials except where specifically requested or solicited.  If you do send us any unsolicited suggestions, you agree not to assert any ownership right of any kind in against ACA (including, but not limited to copyright, trademark, unfair competition, moral rights, or implied contract), you hereby grant ACA a nonexclusive, perpetual, worldwide license to use the unsolicited submission in every media and for every purpose now known or hereinafter discovered and you waive the right to receive any financial or other consideration in connection with such unsolicited submission including, but not limited to, credit.  You release ACA (and our officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with your unsolicited submissions, including, without limitation, all claims for theft of ideas or copyright infringement.

Force Majeure.  ACA is not responsible for damages, delays, or failures in performance resulting from acts or occurrences beyond its reasonable control, including, without limitation: fire, lightning, explosion, power surge or failure, water, acts of God, war, revolution, civil commotion or acts of civil or military authorities or public enemies: any law, order, regulation, ordinance, or requirement of any government or legal body or any representative of any such government or legal body; or labor unrest, including without limitation, strikes, slowdowns, picketing, or boycotts; inability to secure raw materials, transportation facilities, fuel or energy shortages, or acts or omissions of other common carriers.

Representations and Warranties.  You affirm, represent and warrant the following:  (i)  you are over the age of 18 and have the right and authority to enter into this agreement, and are fully able and competent to satisfy the terms, conditions and obligations herein; (ii) you have read, understood, agree with, and will abide by the terms and conditions of this agreement; (iii) ACA’s use of any information you have submitted as contemplated by the Terms and the Websites will not infringe any rights of any third party, including but not limited to any intellectual property rights, privacy rights and rights of publicity; and (iv) your use of these Websites will not violate any relevant laws or regulations.

DISCLAIMERS. Your use of these Websites is at your OWN risk. THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES PROVIDED ON, THROUGH, OR IN CONNECTION WITH THE WEBSITES OR OTHERWISE PROVIDED BY US ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SECURITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FREEDOM FROM COMPUTER VIRUS, OR WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO THE WEBSITES AND OUR PRODUCTS AND SERVICES.  WE DO NOT REPRESENT OR WARRANT THAT THE WEBSITES OR ANY INFORMATION OR PRODUCTS OR SERVICES WE PROVIDE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITES IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.  WE DO NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE COMPLETENESS, CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS OR RELIABILITY OF THE WEBSITES OR ANY INFORMATION OR PRODUCTS OR SERVICES WE PROVIDE, OR ANY OTHER WARRANTY, THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES PROVIDED ON OR THROUGH THE WEBSITES MAY BE OUT OF DATE, AND NEITHER ACA NOR ANY OF ITS AFFILIATES MAKES ANY COMMITMENT OR ASSUMES ANY DUTY TO UPDATE SUCH INFORMATION, MATERIALS, PRODUCTS OR SERVICES. THE FOREGOING EXCLUSIONS OF IMPLIED WARRANTIES DO NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM ACA OR THROUGH ACA’S WEBSITES, PRODUCTS AND SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

LIMITATIONS OF LIABILITY. ACA does not assume any responsibility FOR and will NOT be liable, for any damage to or any virus that may infect your computer, equipment, or other property caused by or arising from your access to, use of, or browsing these Websites, or your downloading of OR ACCESSING any materials from thE Websites. IN NO EVENT WILL ACA, OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AFFILIATES, AGENTS, SUCCESSORS OR ASSIGNS, NOR ANY PARTY INVOLVED IN THE CREATION, PRODUCTION OR TRANSMISSION OF THESE WEBSITES, BE LIABLE TO YOU OR ANYONE ELSE FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THESE WEBSITES, ANY WEBSITESS LINKED TO THESE WEBSITES, OR THE MATERIALS, INFORMATION, PRODUCTS OR SERVICES CONTAINED ON OR PROVIDED IN CONNECTION WITH THE WEBSITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. [[YOU SPECIFICALLY ACKNOWLEDGE THAT ACA SHALL NOT BE LIABLE FOR USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.]]  THE FOREGOING LIMITATIONS OF LIABILITY DO NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

IN THE EVENT OF ANY PROBLEM WITH THE WEBSITES OR ANY CONTENT OR PRODUCTS OR SERVICES, YOU AGREE THAT YOUR SOLE REMEDY IS TO CEASE USING THE WEBSITES OR THE CONTENT OR PRODUCTS OR SERVICES.  IN NO EVENT SHALL ACA’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE STEMMING FROM OR RELATED TO USE OF THE WEBSITES EXCEED THE GREATER OF (A) TWENTY FIVE DOLLARS (US $25.00) OR (B) FIVE HUNDRED DOLLARS (US $500.00).

Indemnity. You agree to defend, indemnify and hold ACA, each of our parent companies, subsidiaries and affiliates and the successors of each of the foregoing, and the officers, directors, agents, and employees of each of the foregoing, harmless from any and all liabilities, costs, and expenses, including reasonable attorneys’ fees, related to or in connection with (i) your use of the Websites or your placement or transmission of any message or information on this Websites by you or your authorized users; (ii) your violation of any term or condition of these Terms, including without limitation, your breach of any of the representations and warranties; (iii) your violation of any third-party rights, including without limitation any right of privacy, publicity rights or intellectual property rights; (iv) your violation of any law, rule or regulation of the United States or any other country; (v) any claim or damages that arise as a result of any information or material that you provide to ACA; or (vi) any other party’s access and use of the Websites with your unique username, password or other appropriate security code.

Release. In the event that you have a dispute with another user or other party related to the Websites, you release ACA (and our officers, directors, agents, subsidiaries, joint ventures and employees) from all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

Termination. You or we may suspend or terminate your account or your use of this Websites at any time, for any reason or for no reason.  We may also block your access to our Websites in the event that (a) you breach these Terms; (b) we are unable to verify or authenticate any information you provide to us; (c) we believe that your actions may cause financial loss or legal liability for our users or us; or (d) or as otherwise provided herein or in another incorporated policy. You understand that any termination of your account, by you or us, may involve the permanent deletion of your data.  ACA will not have any liability whatsoever to you for any suspension or termination, including for deletion of your data.

General.  Any claim arising out of or relating to the use of, these Websites and the materials contained herein is governed by the laws of the State of South Carolina, without regard to its choice of law provisions.  You consent to the exclusive jurisdiction of the state and federal courts located in Spartanburg, South Carolina.  You hereby irrevocably consent to such venue and to the exclusive jurisdiction of any such court over any such dispute.

Any and all disputes directly or indirectly arising out of or related to the Terms or the Websites will be resolved individually, without resort to any form of class actions.  Any and all claims, judgments and awards will be limited to actual out-of-pocket costs incurred, and in no event shall you be entitled to recovery of attorney’s fees.  Under no circumstances will any claimant be permitted to obtain any award for, and you hereby waive all rights to claim punitive, special, incidental or consequential damages and any and all rights to have damages multiplied or otherwise increased and any other damages, other than for actual out-of-pocket expenses.  Any cause of action or claim you may have directly or indirectly arising out of or related to the Terms or the Websites must be commenced within one (1) year after the claim or cause of action arises.  A printed version of these Terms will be admissible in judicial and administrative proceedings based upon or relating to these Terms to the same extent as other business documents originally generated and maintained in printed form.  You shall comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Websites.

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.  You agree that these Terms and all incorporated agreements may be assigned by ACA in our sole discretion.  Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.  Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.  These Terms are the entire agreement between you and ACA with respects to the subject matter hereof and supersede any prior understandings or agreements (written or oral).   Any provision that must survive in order to give proper effect to its intent (e.g., indemnity, general, any perpetual license, limitations on liability, disclaimers, representations and warranties, etc) shall survive the expiration or termination of these Terms.

All rights not granted herein are expressly reserved to American Credit Acceptance LLC.