Terms of Use

You are currently using the Phoenixtitleloans.com Web site (the “Site”). Phoenix Title Loans Now provides the information and services located on the Site (the “Services”). Please read these Terms of Use carefully. By accessing this Site, you agree to be bound by these Terms of Use.

1. Availability of Products and Services.The Website contains information about our products. Our products and services are not available in all jurisdictions.
2. Supplemental Terms of Use and Conditions.In addition to the terms of use contained in the Online Policies and Agreements, supplemental terms of use and conditions may appear on specific pages of the Website. By use of the Website, you agree to any supplemental terms of use.
3. Errors and Negligent Use.We are not responsible for errors or negligent use of the services offered by the Website, including input errors, negligent handling, and leaving a computer unattended while accessing the online forms.
4. Accuracy of Website.While we make all reasonable efforts to ensure that all material on the Website is correct, accuracy cannot be guaranteed.
5. The Website may contain hypertext links to other websites that are completely independent of the Website and are controlled or offered by third parties. We do not assume responsibility as to the accuracy, completeness, or authenticity of the information presented on any website accessed via such a link and hereby disclaim liability for any other company’s website content, products, privacy policies, or security. A link to another entity’s website should not be construed as our endorsement of such entity’s website, products, or services. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site.
6. Information Only.All of the content presented on the Website is for information purposes only and in no way creates any fiduciary relationship between us; you should seek appropriate tax, financial, or legal advice when necessary.
7. Copyrights/Trademarks/Restrictions on Use.All of the pages and screens on the Site are owned and controlled by Phoenix Title Loans Now, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site. You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose.  You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site except as authorized in this paragraph. You may not use any trademarks as a link to the Site except pursuant to a written trademark license agreement. The information contained on the Website is protected by copyright and may not be reproduced without our written consent.
8. THE SERVICES ARE OFFERED ON AN “AS IS,” “WHERE IS” AND “WHERE AVAILABLE” BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.YOU ACKNOWLEDGE THAT NEITHER PHOENIX TITLE LOANS NOW, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE. PHOENIX TITLE LOANS NOW DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES. (THIS DOES NOT AFFECT ANY MANUFACTURER’S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER.) EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT PHOENIX TITLE LOANS NOW IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, PHOENIX TITLE LOANS NOW WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.
9. Children’s Privacy. Phoenix Title Loans Now does not seek information from children under the age of 13.
10. Changes to Our Online Terms of Use.As permitted by law, we reserve the right to modify these Online Terms of Use at any time without notice, but the most current version of the Online Terms of Use will always be available to you by clicking on the link at the bottom of the Site. If you find the Online Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Online Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of this Agreement.
11. Questions, Comments, or Concerns.Should you have any questions, comments or concerns regarding the Website, our products and services or your submitted data, please refer to the Contact Us section of the Website for the appropriate contact information.
12. Applicable Law, Disputes, and Notice of Grievance and Opportunity to Cure
    This Site is created and controlled by TMG in the State of Nevada, USA. As such, the laws of the State of Nevada will govern these disclaimers, terms and conditions, as well as all sales of products and services or other transactions affected through the Application and the Site and any disputes relating thereto without giving effect to any principles of conflicts of laws. We reserve the right to make changes to the Application, the Site, and these disclaimers, terms and conditions at any time. Any dispute arising under this Agreement shall be resolved exclusively by the state and federal courts of the State of Oklahoma. Before initiating arbitration or litigation concerning any potential dispute arising from the Agreement, you and we agree to mail a written notice to the other party, return receipt requested, to provide the other party an opportunity to resolve such grievance. Such notice shall include a proposed resolution. A party receiving such notice must mail a written offer return receipt request proposing a reasonable settlement within 30 days (or such longer period as applicable law may require). If an aggrieved party ultimately initiates arbitration or litigation, and if applicable law allows, then the adjudicator shall award reasonable attorney fees, court costs, and litigation expenses to the opposing party, if the adjudicator determines the (i) aggrieved party cannot prove compliance with this paragraph or (ii) opposing party timely offered a reasonable settlement.
    Certain sections or pages on the Site and the Application may contain separate terms and conditions. Any such disclosures, terms, policies, or agreements are accepted as an agreement between you and us, in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. For example, if a conflict exists, then the dispute resolution, jurisdiction, forum, and governing law provisions provided in any Loan Agreement, Credit Services Disclosure/Information Statement, Credit Services Contract, Security Agreement, Truth-In-Lending Disclosures set forth in any Loan Agreement, Pawn Ticket, Pawn Transaction Document, Title Loan Agreement, Title Pledge Agreement, Arbitration Provision, Privacy Policy notices, Notices of Adverse Action and related disclosures, federal and/or state mandated brochures and disclosures, account and transaction information, and other disclosures and information about your account or your business relationship with us (and any third-party lender who makes a loan to you). or Application will supersede the choice of law and venue provisions provided in this Agreement.
13. Class Action Waiver.
    THE WEBSITE USERS WAIVE ANY RIGHT TO ASSERT ANY CLAIMS AGAINST TMG AS A REPRESENTATIVE OR MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION, EXCEPT WHERE SUCH WAIVER IS PROHIBITED BY LAW OR DEEMED BY A COURT OF LAW TO BE AGAINST PUBLIC POLICY. TO THE EXTENT EITHER PARTY IS PERMITTED BY LAW OR COURT OF LAW TO PROCEED WITH A CLASS OR REPRESENTATIVE ACTION AGAINST THE OTHER, THE PARTIES AGREE THAT: (I) THE PREVAILING PARTY SHALL NOT BE ENTITLED TO RECOVER ATTORNEYS’ FEES OR COSTS ASSOCIATED WITH PURSUING THE CLASS OR REPRESENTATIVE ACTION (NOT WITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT); AND (II) THE PARTY WHO INITIATES OR PARTICIPATES AS A MEMBER OF THE CLASS WILL NOT SUBMIT A CLAIM OR OTHERWISE PARTICIPATE IN ANY RECOVERY SECURED THROUGH THE CLASS OR REPRESENTATIVE ACTION