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Terms

TERMS AND CONDITIONS

 

PLEASE READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY. BY ACCESSING THIS SITE YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE AT ANY TIME AT OUR SOLE DISCRETION. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OUR SITE OR DISCONTINUE YOUR USE OF THIS SITE AND SERVICES.

 

  1. Purpose. BTGA MANAGEMENT LLC DBA FIRST FINANCE SOLUTION  hereinafter “Company” grant to you, for your personal use only, a nonexclusive, limited and revocable right to access and use the btgamanagement.com or 123ca.co (the “Site”). You agree not to use the Site or content for any other purpose, including commercial purposes, such as co-branding, framing, linking, or reselling any portion of the Site without our prior written consent. Unauthorized use of our Site and systems, including but not limited to unauthorized entry into Company’s systems, misuse of passwords, or misuse of any information posted to the Site, is strictly prohibited. You acknowledge that your use of the Site may be monitored, tracked and recorded, and your use of our Site expressly consents to such monitoring, tracking and recording.
  2. Ownership of Site; Agreement to Terms of Use. Welcome to the Site including any linked websites and mobile applications (the “Site”). The Site is owned and operated by the Company. These Terms govern your use of the Site and any of the products and services made available via the Site (“Services). Your compliance with these Terms is a condition to your use of the Site and Services. By using our Site or using or applying for a Service, you are agreeing to these Terms and the terms of our Privacy Notice or Privacy Policy associated with this Site.  These Terms constitute a legal contract between you and the Company governing your use of the Site and Services, to the extent not superseded by the terms and conditions of any contract we enter into with you for Services.
  3. Access. This site may be accessed using most browsers and requires cookies to be enabled to apply for a loan and to use your account. Your application will be sent to us using the secure SSL industry standard encryption. You should receive an acknowledgement of receipt from us after submitting your application, if you do not, please check your spam folder, and then contact our customer service department. Please do not submit specific questions regarding your account through our Contact Us link, as this is not a secure form of communication. Please contact our customer service department, at 1-954-681-4316  with questions regarding your application or account
  4. Privacy. Company’s privacy notice applied to your use of this Site and its terms are expressly incorporated by reference. 
  5. Consent to Be Electronic Communication. By providing our contact information and using this Site, You are expressly consenting to be contacted by the Company, its affiliates, Customer Services Representative or other agents of the Company us by telephone, email or text/SMS messages even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution. The Company or its representatives can  contact you for the services of your loan servicing, regarding the application, for anything related to your loan or application including remind of your payments, collections and other loan-related issues.
  6. By providing our contact information and using this Site, by applying for a Loan or Service or providing information pursuant to an application for a Loan or Service, you are consenting to be contacted by us by email, text/SMS messages, written notices or telephone, at any telephone number, email address or mailing address on file or obtained from other public and nonpublic databases. For any any telephone calls, you consent to the use an autodialer, prerecorded/non-person voice messages at any telephone number associated with you including celluar/mobile telephone numbers that could result in charges to you for any matters including but not limited to those related to your loan or application, payments reminders, collection calls, and other loan-related issues.  You hereby further consent that we may utilize third party service and other providers for the purposes of contacting you on our behalf in accordance with the Terms.  If you wish to Opt-Out or change your contact preferences, contact the Company at the Website or the contact numbers listed on the home page.
  7. Computer Equipment: The Company is not responsible for any errors or problems that arise from the malfunction or failure of your computer equipment. You may access our site and your account using any computer connected to the Internet, browsers supported include Internet Explorer 6 and above, Firefox, and Chrome. If you access your account from a public or shared computer, you are responsible for signing out of your account at the end of your session.
  8. Cookies: Our website may use a feature of your Internet browser called a cookie. A cookie is a piece of information which a web server may place on your computer when you visit a web site. The use of cookies is to facilitate your Internet session, to maintain security and to improve the user experience. For example, the Company and Site may use cookies to verify your identity, remember your personal settings such as your account preferences, and to monitor your use of our website to improve our services. If you choose not to enable cookies on your browser, you will not be able to apply for a loan on our Site..
  9. Account Access and Passwords/Logins: The Company may at our option change the parameters for the password used to access the Site (“Password”) without prior notice to you, and if the Company does so, you will be required to change your password the next time you access your account. To prevent unauthorized access to your account, you agree to protect and keep confidential your account number, User ID, Password, or other means of accessing your account. Failure to do so could permit unauthorized persons to gain access to your sensitive personal and account information and to use that information for fraudulent purposes, including identity theft. If you disclose your account numbers, User IDs, and/or Passwords to any person(s) or entity, you assume all risks and losses associated with such disclosure. If you permit any other person(s) or entity to use the Site on your behalf, or to access or use your account numbers, User IDs, Passwords, or other means to access your accounts, you are responsible for any transactions and activities performed from your accounts and for any use of your personal and account information by such person(s) or entity. If you believe someone may attempt to access or has accessed your account without your permission, or that any other unauthorized use or security breach has occurred, you agree to immediately notify us at 1-954-681-4316  .
  10. Security and Information. You understand and acknowledge that a username and password is an adequate level of security.  However, you also understand and acknowledge that no internet communications can be completely private or secure and any non-public information you send to the Site or Company may be intercepted or read by others even with the Company’s security measures to protect against such actions.  You agrees that as a condition of use of this Site that you will not:  a) obtain an private or non-public information from any other user of the Site, b) attempt to or access data or information not intended for you, c) test the vulnerability, breach security or authentication measures without prior written authorizations, d) send email, text message or communications to any other users of the Site or any other person except within the scope of your intended use and e) attempt to interfere with the operation of the Site which may including but is not limited to sending spam, virus, flooding or overload communications/data or emails. 
  11. Copyright Notices: The Site, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by the Company or Site. They may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without the Company’s prior written consent.
  12. Trademark Notices: The names and logos of the Company or Site are owned by the Company, its successors, affiliates or agents and may not be used without prior written authorization.
  13. Web Content and Materials: The information on this Site is for information purposes only. The Company makes every good faith effort to be accurate, but the Company does not warrant its completeness, timeliness, or accuracy. You agree that you will not engage in any activities related to the Site that are contrary to applicable law, regulation or the terms of any agreements you may have with us, and in circumstances where locations of the Site require a password or identification information, you will use reasonable security methods to prevent others from obtaining your password or other identifying information.
  14. THE COMPANY MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. THE COMPANY RESERVES THE RIGHT TO TERMINATE ANY OR ALL OF THE SITE’S CONTENT OR SERVICES WITHOUT PRIOR NOTICE TO THE USER. THE AVAILABILITY OF THE SITE’S INFORMATION, PRODUCTS OR SERVICES DOES NOT MEAN THE COMPANY DISTRIBUTING OR SOLICITATING, TO ANY PERSON, TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES WHERE PROHIBITED BY LAW.
  15. Potential Disruption of Service: Access to our Site may from time to time be unavailable, delayed, limited or slowed due to causes beyond the control of the Company and the Company makes no guarantees as to the availability of the Site.
  16. LIMITATION OF LIABILITY: THE SITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE SITE) IS PROVIDED ON AN "AS IS" BASIS. THE COMPANY MAKES NO WARRANTIES AND REPRESENTATIONS REGARDING OUR SITE.  THE COMPANY SPECIFICALLY DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE SITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, ACCURACY, ADEQUACY, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, THE COMPANY WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS SITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER SOFTWARE. UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE OUR WEBSITE, REGARDLESS OF WHETHER WE HAVE BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
  17. Enforceability and Governing Law: In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall remain in full force and effect. These Terms of Use shall be subject to any other agreements you have entered into with the Company, its affiliates, successors or agents  Your access to and use of the Site, are governed by the laws of the State of Illinois.
  18. Indemnification. You agree to defend, indemnify and hold the Company and its affiliates and its and their Members, Managers, officers, employees, agents, contractors, successors or assigns thereof harmless from and against all third party claims, damages and expenses (including reasonable attorneys’ fees) against or incurred by us arising out of your breach of these Terms or violation of applicable law, any of your Submissions, your use or access of the Site, or access by anyone accessing the Site using your account.
  19. Information from Children: You must be 18 years old to use the Site and the Company does not knowingly collect information from anyone under the age of 18, and we do not offer loans to anyone under 18. The Services are not available to persons under 18 or who are not legal residents of the USA. 

 

OLA Affiliation. We are members of the Online Lenders Alliance.
Please contact the OLA Consumer Hotline 866-299-7585 for any questions or concerns.

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