This Terms of Use (this “Agreement”) is provided by Ava Finance, Inc. (“Ava Finance,” “we,” “us” or “our”), and governs your use of our App(s) and Services. THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION THAT MAY BE ENFORCED BY THE PARTIES AND A WAIVER OF YOUR CLASS ACTION RIGHTS.
Privacy Notice
User privacy is an important concern for us. We are committed to privacy and security, and to providing the best possible user experience for our users and online customers. We also strive to protect the personal and confidential information of those who use our services. Click here for our entire Privacy Policy. This policy may be updated by us from time to time, so please check here frequently.
In general, you can visit www.fightcollections.com or www.meetava.com without telling us who you are or revealing any information about yourself. However, when you use the App(s)or our Services, register for an account with us, or add a Linked Account, we will collect personal information from you, such as your name, email address, mobile phone number, banking and credit card information, age, gender, location, address, date of birth, social security number, citizenship information, occupation status, and income source.
The personal information we collect may include the type of device in use, operating system, the device identifier, user's IP address, mobile network information, and standard web log information, such as your browser type, traffic to and from our App(s), the pages you accessed on our App(s), and other available information. We may also collect information about your use of our App(s).
By providing your personal information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in our Privacy Policy.
If you are dissatisfied with any aspect of the services you have received from us, you can send a complaint to support@meetava.com. We will review the complaint and provide you with a response in writing.
Specific Registration Consents
When you register as a member, you authorize us to create and maintain an account in your name using your account registration information and other information that may be collected about you in accordance with our Privacy Policy as part of providing our Services (collectively, such information is your “Member Profile.”). By registering, you also specifically consent to let us request and receive your consumer report data and other data about you from third parties to include in your Member Profile as follows:
- I understand that I am providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Ava or its affiliated companies to request and receive copies of consumer reports, scores and other information about me from third parties, including, but not limited to, Experian, TransUnion and Equifax. I understand that my instructions let Ava and affiliated companies obtain such information at any time for as long as I have a registered Ava account to use as described in the Terms of Service and Privacy Policy.
- I authorize Ava to access and review my credit information in order to display it to me and to provide me with relevant financial recommendations and marketing offers. I also accept Ava’s Terms of Service, E-Communications Disclosure, and Privacy Policy.
Terms of Use
Please read this Agreement carefully before using our services (the "Services") provided through our App(s)available in the App Store and on Google Play (the "App(s)"). We may also provide the Services through our websites websites (the "Website"), and if you access the Services through the Website, then all references to "App(s)" in this Agreement include the Website. This Agreement is between us and you, the user. By installing, accessing or using the Services or the App(s), by accepting electronically (for example, clicking “I Agree”), you agree to be bound by this Agreement, including our Privacy Policy, as this Agreement and Privacy Policy are updated from time to time by us. If you do not agree to this Agreement, then you may not use the Services or the App(s).
Your use of the App(s) is subject to the additional disclaimers and notices that may appear throughout the App(s). Neither we nor our representatives are engaged in rendering legal services, financial advice, or investment advice through the Services or the App(s).
Neither our Services nor the material on the App(s) should be regarded as legal services, financial advice, investment advice, or an offer to sell, or a solicitation of an offer to buy, any securities of Ava Finance or its affiliates.
We and our representatives assume no responsibility for any consequence relating directly or indirectly to any action or inaction based on the information, services, or other material on the App(s). While we strive to keep the information on the App(s) accurate, complete and up-to-date, we and our representatives cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness, or timeliness of the information or the Services on the App(s).
Personal and Noncommercial Use Limitation: Prohibited Uses
Our Services, including the App(s), provide software tools and information to assist you in managing your finances and debt. We grant you access to the App(s) during the term of this Agreement solely to receive the Services. You may access, download, and print materials as necessary to receive the Services. You may not license, copy, distribute, create derivative works from, frame in another Web page, use on any other website, or sell any information, databases, or lists obtained from the Services or the App(s). You agree to provide true, accurate, and complete user information at all times, and to update such information upon our request. You will not access or attempt to access password protected, secure or non-public areas of the Services or the App(s), without our prior written permission. You will comply with all privacy laws.
The Services and the App(s) are licensed (not sold) to end users. Subject to this Agreement, we grant to you a personal, non-exclusive, non-transferable, limited, and revocable license to access the Services and the App(s) for your own personal use and not for any commercial or business purpose (“Your License”).
Proprietary Rights
All materials on the Services and the App(s) (as well as the organization and layout of the Services and the App) are owned and copyrighted, licensed by, or used with permission that is granted to us. No reproduction, distribution, or transmission of the copyrighted materials in the Services and the App(s) are permitted without our prior written permission.
Your Account
Your acceptance of the E-Sign Consent is required to create an Account. You may be presented with the opportunity or requirement to create an account to use certain parts of the Site or App. When you create an account, you may be required to pick a user name, password, and/or other access credentials. You are responsible for maintaining the confidentiality of your account and access credentials and for restricting access to your computer and any other devices you use to access your account, and you agree to accept responsibility for all activities that occur under your account or access credentials. You may not assign or otherwise transfer your account to any other person. You acknowledge that the Company is not responsible for third party access to your account that results from theft or misappropriation of your account. The Company and its associates reserve the right, in our sole discretion, to refuse or cancel service, terminate accounts, or remove or edit Content. If your status as a user of the Services or the App(s) is terminated, you will (i) stop using the Services and the App(s) and any information obtained from the Services and the App, and (ii) destroy all copies of your account information, password and any information obtained from the Services or the App(s).
You agree to (1) immediately notify us of any unauthorized use of your access credentials or account or any other breach of security, and (2) ensure that you exit from your account at the end of each session when accessing the Site or App. We will not be liable for any loss or damage arising from your failure to comply with this section.
You may be presented with the opportunity to apply for a loan or other product through the Site or App. When applying for a loan on the Site or App, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, the Company has the right to terminate your loan pre-registration and/or application and to decline to provide any and all future use of the Site or App. We reserve the right to decline your application for a loan or other product.
Remainder of Terms
For the remainder of terms, including those applicable to app usage, please visit https://meetava.com/legal/terms