Tate & Kirlin Associates, Inc. Payment Plan Terms and Conditions

AGREEMENT OVERVIEW

This is a legally binding agreement between you and Tate & Kirlin Associates, Inc. (“We”, “Our”, “Us”). Tate & Kirlin Associates, Inc. is a debt collector. The purpose of this agreement is to collect a debt. By using Tate & Kirlin Associates, Inc.’s Payment Plan and related services (“Service”), you agree to abide by its terms, which enable you to make electronic payments on your overdue account managed by us.

IMPORTANT NOTICE

You can only use this Service if you agree to these terms and conditions. Please read them closely.

If you disagree with any of these terms, do not use the Service. Using the Service indicates your acceptance of these terms, which may be updated occasionally.

ACCOUNT VERIFICATION

By using this Service, you confirm that you are the account holder of the account(s) we are attempting to collect.

PAYMENT TERMS

By choosing a specific payment plan via our interface (“Flexible Plan”), you agree to its terms, including but not limited to: current balance due, start date, payment frequency, number and amount of payments, allowable late payments, total discounts, and savings.

These conditions are an essential component of the Flexible Plan’s terms.

You can review your Flexible Plan terms anytime at our website.

PAYMENT TIMING

Payments will be processed by 11:59pm PT on the day they are made or scheduled. If that day is a weekend or holiday, processing may occur on the next business day.

ELECTRONIC FUNDS TRANSFER AUTHORIZATION

By submitting your bank account or debit card information for payments, you grant us the authority to initiate electronic transfers from your designated account.

SINGLE TRANSACTION AUTHORIZATION

For single transactions using a credit card, debit card, or ACH, you authorize us to charge the specified account for the agreed-upon sum. You acknowledge that any transaction-related fees or penalties from your bank are your responsibility. In the case of insufficient funds, we may attempt another charge within 30 days.

RECURRING CARD AND ACH AUTHORIZATION

For recurring transactions via credit card, debit card, or ACH, you grant us permission to repeatedly charge the account you’ve indicated until you cancel this authorization in writing or until the end date. Any bank fees or penalties are your responsibility, and we may attempt a re-charge in case of insufficient funds within 30 days.

CANCELLATION AND REFUND POLICY

To cancel a payment, reach out to us at (800) 355-0333. Note that cancellations may not be possible once a payment has been processed.

For refund inquiries, contact us at (800) 355-0333.

ADVANCE PAYMENTS

You may make additional payments beyond your scheduled payment plan or exceed the due amount for any given payment.

DISCOUNTS AND SETTLEMENT OFFERS

We retain the authority to introduce or withdraw special offers and discounts at its own discretion.

COMMUNICATION CHANNELS

You consent to be contacted by us, our agents, representatives, employees, affiliates, or anyone calling on our behalf, in any manner allowed by law, including but not limited to, mail, telephone, SMS (text) messages, pre-recorded/artificial voice or message, automatic telephone dialing system, e-mail, direct drop voicemail, or any other communication method.

PRIVACY POLICY

Your privacy is a top priority for us. We collect both personal and non-personal information about you (“Data”) while you use our services. For details on how we use and safeguards this Data, please read our Privacy Policy. By agreeing to these terms and using our services, you acknowledge and accept our Privacy Policy.

E-SIGN CONSENT & DISCLOSURE

This E-Sign Consent & Disclosure pertains to all records and communications connected to any services offered by us.

Electronic Form: You consent to receiving records and communications from us in electronic format. This consent encompasses, but is not limited to, all legal and regulatory disclosures, communications, and notices.
Manner of Transmission: You agree that we may deliver the records and communications specified in (a.) through the following methods: (i) via email, (ii) by allowing access to a website linked in an email notice from us, or (iii) if legally permissible, by access to a pre-designated website.
Withdrawing Consent: To withdraw your consent for receiving the records and communications mentioned in (a.), you may contact us. After processing your withdrawal request, your use of our services will cease. Your consent withdrawal will take effect only after a reasonable period for us to process it.
Updating Your Information: You are obligated to furnish us with accurate, complete, and up-to-date email, contact, and other information related to this E-Sign Consent & Disclosure and our services. You are also responsible for promptly updating any changes in this information. Updates can be made via our website.
Hardware & Software Requirements: To access, view, and retain the electronic records and communications we provide, you must have the following hardware and software:
1. A supported internet browser: Internet Explorer 10.x or higher, Safari 3.2.x or higher, Firefox 32.x or higher, Chrome 38.x or higher, Mac OSX Safari 5 and higher, Safari for iOS 6 and higher, Chrome for iOS, and Chrome for Android;
2. Sufficient local electronic storage capacity to retain the records and communications, or a printer for hard copies;
3. A valid email account along with software to access it;
4. Current device(s) suitable for internet connectivity (e.g., computer, tablet, smartphone, etc.) that are compatible with our services;
5. An operating system that is capable of receiving, accessing, and displaying the electronic records and communications from us, either via text-formatted email or through a supported web browser;
Requesting Paper Copies: We generally do not provide paper copies of records or communications unless requested or we find it appropriate. You may obtain paper copies by either printing them yourself or by asking us to mail them to you. Specify that you are requesting a paper copy of a specific record or communication. There is no fee for providing paper copies of records or communications.
“In Writing” Designation: All records and communications that we provide to you, whether in electronic or paper format, will be deemed “in writing”. It is advisable to print or save a copy of this E-Sign Consent, as well as any other important electronic records or communications.
Federal Law: You recognize and agree that your provision of this E-Sign Consent is in relation to a transaction that affects interstate commerce and is therefore subject to the federal Electronic Signatures in Global and National Commerce Act. Both you and we intend for this Act to apply as broadly as permitted by law.
Termination/Changes: We retain the right, at its sole discretion, to cease the provision of electronic records and communications, to terminate services, or to modify the terms and conditions under which electronic records and communications are provided. You will be notified of any such changes or termination as mandated by applicable law.
Consent: By proceeding, you expressly consent to receive electronic records and communications as outlined in this E-Sign Consent and Disclosure. You also confirm that your computer or device meets the above-stated hardware and software requirements, and that you have supplied us with an up-to-date email address for receiving electronic records and communications.