Terms of Use

1. Acceptance of the Terms of Use

The following terms and conditions, together with any documents expressly incorporated by reference, including our Privacy Notice, collectively constitute these “Terms of Use” and govern your access to and use of the Website, including any content, functionality, account features, payment services, and other services offered through the Website.

Please read these Terms of Use carefully before you begin using the Website. By accessing or using the Website, creating an account, logging into an online account, submitting information through the Website, or clicking to accept or agree to these Terms of Use when that option is made available, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Notice, which is incorporated herein by reference.

The Website is intended for individuals who are 18 years of age or older. By using the Website, you represent and warrant that you are at least 18 years old and legally capable of entering into a binding agreement. If you do not meet these requirements, you may not access or use the Website.

2. Modification of Website and Changes to the Terms of Use

We reserve the right to modify, suspend, restrict, or discontinue the Website, or any portion of the Website, including any online account, payment functionality, content, features, or services, at any time and in our discretion.

We may also modify, update, correct, or improve the information, materials, features, and functionality available through the Website. We may temporarily suspend access to the Website for scheduled or unscheduled maintenance, security updates, upgrades, improvements, or other operational purposes.

We are not responsible or liable if the Website, or any portion of it, is unavailable at any time or for any period.

We may revise these Terms of Use from time to time. Any revised Terms of Use will be posted on the Website and will become effective as of the date specified in the updated Terms. Your continued access to or use of the Website after revised Terms of Use become effective constitutes your acceptance of the revised Terms.

If you do not agree to the revised Terms of Use, you must discontinue your use of the Website.

3. Accessing the Website and Security

To access certain portions of the Website, including online account or payment features, you may be required to register for an account and provide certain information.

You are responsible for providing accurate, current, and complete information and for maintaining and updating that information as necessary.

You are responsible for obtaining and maintaining the equipment, internet connection, telecommunications services, and other resources necessary to access the Website.

If you create or are provided with a username, password, security code, authentication credential, or other account information, you are responsible for maintaining its confidentiality and security.

You must not share your login credentials with any other person or allow another person to access your account using your credentials. You are responsible for activities conducted through your account to the extent permitted by applicable law.

You agree to notify Global Financial promptly if you believe that your account, username, password, or other security credentials have been compromised or used without authorization.

You should log out of your account after each session, particularly when accessing the Website from a shared or public computer.

We may suspend, restrict, or terminate access to an account, username, password, or other security credential if we reasonably believe that the account has been compromised, is being used improperly, or has been used in violation of these Terms of Use or applicable law.

4. Payments

Access to the Website itself is generally provided without a separate Website access fee.

If the Website allows you to make payments toward an account, certain payment methods or payment services may be subject to processing fees or other charges. Any applicable fee will be disclosed to you before you complete the applicable transaction.

Payment processing may be provided by Global Financial or by a third-party payment processor or service provider.

Payment posting times may vary depending on the payment method, the time the payment is submitted, weekends, holidays, system availability, and other processing requirements.

A payment submitted through the Website does not necessarily mean that the payment has been finally processed, cleared, or posted to your account. You should retain your payment confirmation and review your account history to confirm that a payment has been properly processed.

If you schedule a future payment, cancellation or modification of that payment may be subject to applicable processing deadlines and the terms presented to you when the payment is scheduled.

Nothing in this section changes or waives any payment obligation, due date, late charge, or other obligation contained in your applicable retail installment contract or other financing agreement.

5. Privacy

Please review our Privacy Notice to understand how Global Financial collects, uses, maintains, and discloses information.

Information collected through the Website is handled in accordance with our Privacy Notice, except where otherwise required or permitted by applicable law.

By using the Website, you acknowledge that you have reviewed and agree to the applicable provisions of our Privacy Notice.

6. Intellectual Property Rights

The Website and its entire contents, features, and functionality, including but not limited to text, information, software, displays, graphics, photographs, images, video, audio, designs, logos, and the selection and arrangement of such materials, are owned by Global Financial, its licensors, or other providers of such materials and are protected by applicable intellectual property laws.

These Terms of Use permit you to access and use the Website for your personal, non-commercial use, or, where applicable, for legitimate business purposes related to your authorized relationship with Global Financial.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, transmit, sell, or otherwise exploit Website content except as expressly permitted by these Terms of Use or with our prior written permission.

You may print or download a reasonable number of pages from the Website for your personal records or for legitimate purposes related to your account or authorized relationship with Global Financial, provided that you do not modify the materials or remove any copyright, trademark, or other proprietary notices.

No ownership interest in the Website or its content is transferred to you by virtue of your use of the Website.

Any use of the Website not expressly permitted by these Terms of Use is prohibited.

7. Trademarks

The Global Financial name, logo, and related names, logos, product and service names, designs, and slogans are trademarks or other proprietary marks of Atlas Financial Co. d/b/a Global Financial Corp. or its licensors.

You may not use any Global Financial trademark, logo, trade name, or other proprietary mark without our prior written permission.

All other names, logos, product names, service names, and trademarks appearing on the Website belong to their respective owners.

Nothing contained on the Website or in these Terms of Use grants, by implication, estoppel, or otherwise, any license or right to use any trademark, trade name, service mark, or logo displayed on the Website without the applicable owner's prior written permission.

8. Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use.

You agree not to:

• Use the Website in violation of any applicable federal, state, or local law or regulation;
• Use the Website for any fraudulent, deceptive, unlawful, or unauthorized purpose;
• Impersonate Global Financial, a Global Financial employee, another customer, dealer, user, or any other person or entity;
• Attempt to obtain unauthorized access to another person's account or information;
• Provide false, misleading, or fraudulent information through the Website;
• Use another person's username, password, account, or authentication credentials without authorization;
• Introduce viruses, malware, Trojan horses, worms, logic bombs, or other harmful or destructive material;
• Interfere with or attempt to interfere with the proper operation or security of the Website;
• Use robots, spiders, crawlers, scraping tools, data-mining tools, or other automated means to access, monitor, copy, or collect information from the Website without our prior written authorization;
• Attempt to probe, scan, or test the vulnerability of the Website or any related system or network;
• Circumvent or attempt to circumvent authentication, security, or access-control measures;
• Engage in conduct that could damage, disable, overburden, or impair the Website or interfere with another user's access to the Website; or
• Use the Website in any manner that may expose Global Financial, its customers, dealers, service providers, or other users to liability.

If you use the Website in connection with unlawful activity, we may take appropriate action, including suspending or terminating your access and, where permitted or required by law, providing information to appropriate governmental or law-enforcement authorities.

9. Reliance on Information Posted

Information presented on or through the Website is provided for general informational and account-servicing purposes.

Although we seek to provide accurate and current information, we do not warrant that information available through the Website is complete, accurate, current, or error-free.

Account information, payment information, balances, transaction history, and other information displayed through the Website may be subject to processing delays, corrections, adjustments, or other changes.

You should refer to your applicable financing documents and communications from Global Financial for information governing your contractual obligations.

Any reliance you place on information available through the Website is at your own risk, except to the extent otherwise required by applicable law.

10. Third-Party Content and Services

The Website may contain information, services, functionality, or links provided by third parties.

Global Financial does not necessarily endorse and is not responsible for third-party content, products, services, websites, or resources.

Third-party payment processors and other service providers may have their own terms, conditions, privacy policies, and requirements. Your use of those third-party services may be subject to those additional terms.

11. User Responsibilities

You agree to comply with these Terms of Use and all applicable laws and regulations when using the Website.

You are responsible for maintaining the confidentiality of your account credentials and for activity conducted through your account, subject to applicable law.

You agree to promptly notify Global Financial if you become aware of unauthorized access to your account or any other security concern.

You may not use the Website to access, obtain, modify, or disclose information that you are not authorized to access.

12. Links From the Website

The Website may contain links to websites, applications, products, or services operated by third parties.

These links are provided for your convenience. Global Financial does not control and is not responsible for the content, availability, security, privacy practices, or terms of use of third-party websites or services.

If you access a third-party website or service through a link on the Website, you do so at your own risk and subject to the terms and policies applicable to that third party.

13. Geographic Restrictions

Atlas Financial Co. d/b/a Global Financial Corp. is based in the State of Ohio and currently conducts its financing business in Ohio.

The Website may be accessed from other locations; however, Global Financial does not represent that its financing products, services, or other offerings are available outside Ohio.

Information regarding financing products or services made available through the Website is intended for individuals, dealers, and other users in connection with Global Financial's business operations in Ohio, unless expressly stated otherwise.

If you access the Website from outside Ohio, you are responsible for complying with applicable laws.

14. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR MATERIALS MADE AVAILABLE THROUGH THE WEBSITE IS AT YOUR OWN RISK.

THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, EXCEPT AS EXPRESSLY PROVIDED BY APPLICABLE LAW OR AN AGREEMENT GOVERNING YOUR ACCOUNT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GLOBAL FINANCIAL DISCLAIMS WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY.

GLOBAL FINANCIAL DOES NOT WARRANT THAT THE WEBSITE OR ANY PORTION OF IT WILL BE AVAILABLE AT ALL TIMES, OPERATE WITHOUT INTERRUPTION, BE ERROR-FREE, BE SECURE, OR BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

GLOBAL FINANCIAL DOES NOT WARRANT THAT INFORMATION PRESENTED THROUGH THE WEBSITE WILL ALWAYS BE COMPLETE, CURRENT, OR ACCURATE.

NOTHING IN THESE TERMS OF USE IS INTENDED TO DISCLAIM, LIMIT, OR WAIVE ANY RIGHT, WARRANTY, LIABILITY, OR PROTECTION THAT CANNOT LAWFULLY BE DISCLAIMED, LIMITED, OR WAIVED.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GLOBAL FINANCIAL AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTRACTORS, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE, INCLUDING ANY LOSS OF DATA, LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS, LOSS OF GOODWILL, OR OTHER INTANGIBLE LOSSES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTHING IN THESE TERMS OF USE LIMITS OR EXCLUDES LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

THE LIMITATIONS IN THIS SECTION APPLY ONLY TO THE WEBSITE AND SERVICES GOVERNED BY THESE TERMS OF USE AND DO NOT MODIFY OR LIMIT RIGHTS OR OBLIGATIONS UNDER ANY RETAIL INSTALLMENT CONTRACT, LOAN AGREEMENT, OR OTHER FINANCING DOCUMENT EXCEPT TO THE EXTENT EXPRESSLY PERMITTED BY APPLICABLE LAW.

16. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Atlas Financial Co. d/b/a Global Financial Corp. and its affiliates, licensors, service providers, contractors, officers, directors, employees, and agents from and against claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:

• Your violation of these Terms of Use;
• Your unauthorized or unlawful use of the Website;
• Your violation of applicable law or the rights of another person or entity; or
• Your misuse of the Website, including information or content obtained through the Website.

This indemnification obligation does not apply to the extent prohibited by applicable law.

17. Governing Law and Jurisdiction

These Terms of Use and any dispute arising out of or relating to the Website or these Terms of Use shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to conflict-of-law principles that would require application of another jurisdiction's laws, except to the extent applicable federal law or another law cannot legally be excluded.

Any legal action arising out of or relating to these Terms of Use or the Website shall be brought in a court of competent jurisdiction in the State of Ohio, unless applicable law requires otherwise.

Nothing in this section is intended to limit any consumer's rights, remedies, protections, or available forums under applicable federal or state law.

18. Waiver and Severability

No waiver by Global Financial of any term or condition contained in these Terms of Use shall be considered a continuing waiver of that term or a waiver of any other term or condition.

If any provision of these Terms of Use is determined by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

19. Assignment

You may not assign, transfer, delegate, or sublicense your rights or obligations under these Terms of Use without our prior written consent.

Global Financial may assign, transfer, delegate, or sublicense its rights or obligations under these Terms of Use, including in connection with a merger, reorganization, sale, transfer, servicing arrangement, or other business transaction, to the extent permitted by applicable law.

20. Entire Agreement

These Terms of Use and the Global Financial Privacy Notice, together with any other documents expressly incorporated by reference, constitute the agreement between you and Global Financial concerning your use of the Website.

These Terms of Use govern your use of the Website only and do not replace, modify, or supersede any retail installment contract, loan agreement, security agreement, payment agreement, or other agreement governing your financing relationship with Global Financial.

21. Your Comments and Concerns

This Website is operated by:

Atlas Financial Co. d/b/a Global Financial Corp. 5350 Transportation Blvd., Suite 14 Garfield Heights, OH 44125 Phone: (216) 458-3100 Email: info@gfcfinance.com

If you have questions regarding these Terms of Use, the Website, your online account, technical issues, or other Website-related matters, please contact Global Financial using the contact information above.

For questions regarding your financing account, payment obligations, or other matters relating to your retail installment contract, please contact Global Financial at (216) 458-3100.