Legal & Disclaimers

Legal & Disclaimers

LICENSING:  THE SAVINGS GROUP, INC. AND ITS OPERATING SUBSIDIARIES, INCLUDING BUT NOT LIMITED TO RATEGENIUS LOAN SERVICES, INC. D/B/A RATEGENIUS, INNOVATIVE FUNDING SERVICES CORPORATION D/B/A TRESL, AND AUTOPAY DIRECT, INC. D/B/A AUTOPAY (COLLECTIVELY “TSG”), IS HEADQUARTERED IN AUSTIN, TEXAS AND DENVER, COLORADO.   TSG OPERATES PURSUANT TO LICENSES IN JURISDICTIONS WHERE ITS ACTIVITIES REQUIRE LICENSING.  ALL LENDERS IN THE TSG NETWORK ARE FDIC-INSURED BANKS, CREDIT UNIONS OR LICENSED LENDERS.

PATRIOT ACT NOTICE:

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

As a result of the 9/11 terrorist attacks, Congress enacted the USA PATRIOT Act. This Act, which is designed, in part, to fight the funding of terrorism and money laundering activities, includes a provision requiring all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

WHAT THE IDENTIFICATION REQUIREMENTS MEAN FOR YOU

When you open an account, we will ask for your name, address, date of birth, and other information that will allow the financial institution to identify you. They may also ask to see your driver’s license or that you provide other identifying documents. They will verify the identity information that you provide. The means of verification are varied and may include the use of credit reports and similar information sources.

PLEASE REMEMBER THAT THESE IDENTIFICATION REQUIREMENTS:  ARE MANDATED BY LAW; ARE INTENDED TO HELP COMBAT TERRORISM AND OTHER ATTEMPTS TO USE OUR COUNTRY’S FINANCIAL SYSTEMS FOR IMPROPER PURPOSES, AND HELP PROTECT YOU FROM IDENTITY THEFT. 

EQUAL CREDIT OPPORTUNITY ACT: THE EQUAL CREDIT OPPORTUNITY ACT (ECOA) STATUTE PROVIDES THAT ITS PURPOSE IS TO REQUIRE FINANCIAL INSTITUTIONS AND OTHER FIRMS ENGAGED IN THE EXTENSION OF CREDIT TO “MAKE CREDIT EQUALLY AVAILABLE TO ALL CREDITWORTHY CUSTOMERS WITHOUT REGARD TO SEX OR MARITAL STATUS.” MOREOVER, THE STATUTE MAKES IT UNLAWFUL FOR “ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION (1) ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX OR MARITAL STATUS, OR AGE (PROVIDED THE APPLICANT HAS THE CAPACITY TO CONTRACT); (2) BECAUSE ALL OR PART OF THE APPLICANT’S INCOME DERIVES FROM ANY PUBLIC ASSISTANCE PROGRAM; OR (3) BECAUSE THE APPLICANT HAS, IN GOOD FAITH, EXERCISED ANY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT.”

The ECOA has two principal theories of liability: disparate treatment and disparate impact. Disparate treatment occurs when a creditor treats an applicant differently based on a prohibited basis, such as race or national origin. Disparate impact occurs when a creditor employs facially neutral policies or practices that have an adverse effect or impact on a member of a protected class unless it meets a legitimate business need that cannot reasonably be achieved by means that are less disparate in their impact.

In keeping with the broad reach of the statute’s prohibition, the regulation covers creditor activities before, during, and after the extension of credit.

Savings Claims: Savings claims are based on monthly payment savings alone. If approved, lower monthly payment may result from a lower interest rate, a longer term or both. A reduced monthly payment does not necessarily mean that you will pay less overall with a new loan. If you choose to extend the new term from your remaining term for more monthly savings, you may pay more in interest and have more monthly payments which will impact any savings from a reduced monthly payment.

Loan Origination Fees: Title filing/lien transfer fees apply. Depending on your state of residence, a loan origination fee may apply.   

Use of “Cookies” and Other Tracking Technologies:  We may use cookies and other technologies to facilitate and track your use of services offered on this website and in connection with our e-mail communications.  For more information on our use of such technology, please see the privacy policy accessible via a link provided at the bottom of the homepage of this website.

Accuracy of Information:  Although we strive to ensure the accuracy of the information found on this website, neither TSG, nor its affiliates, licensees, suppliers, or agents, can be held responsible by you for the accuracy of such information. It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all information provided on this website.

 

Disclaimers: TSG PROVIDES THIS WEBSITE, THE SITE MATERIALS, AND ANY PRODUCT OR SERVICE OBTAINED THROUGH OR IN CONNECTION WITH THIS WEBSITE ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, UNLESS OTHERWISE EXPRESSLY PROVIDED IN A WRITTEN, AGREEMENT WITH TSG TO WHICH YOU ARE A PARTY WITH REGARD TO A PARTICULAR PRODUCT OR SERVICE. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, TSG AND ITS AFFILIATES, LICENSEES, SUPPLIERS, ADVERTISERS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT, UNLESS OTHERWISE EXPRESSLY PROVIDED IN A WRITTEN, AGREEMENT  WITH TSG TO WHICH YOU  ARE A PARTY WITH REGARD TO A PARTICULAR PRODUCT OR SERVICE. 

 

Conflicts: In the event a conflict arises between any information posted on this website and/or any contract you have with us or one of our lenders, the terms of your contract with us or our lender will prevail.

 

Limitation of Liability: AS A CONDITION OF YOUR USE OF THIS WEBSITE, YOU AGREE THAT NEITHER WE, NOR ANY OF OUR AFFILIATES, LICENSEES, SUPPLIERS, DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, OR AGENTS, WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY, OR OTHER THEORY, OR CONSEQUENTIAL LOSS OF PROFITS, LOSS OF EARNINGS, LOSS OF BUSINESS OPPORTUNITIES, LOST DATA, INTERRUPTED COMMUNICATIONS, DAMAGES, EXPENSE, OR COSTS RESULTING DIRECTLY OR INDIRECTLY FROM OR OTHERWISE ARISING IN CONNECTION WITH:

  1. THE USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO, DAMAGES RESULTING OR ARISING FROM YOUR RELIANCE ON THIS WEBSITE OR ANY INFORMATION OR MATERIALS FOUND ON THIS WEBSITE OR HYPERLINKED FROM THIS WEBSITE, OR THE MISTAKES, OMISSIONS, INTERRUPTIONS, ERRORS, DEFECTS, DELAYS IN OPERATION, TRANSMISSIONS, EAVESDROPPING BY THIRD PARTIES, OR ANY FAILURE OF PERFORMANCE OF THIS WEBSITE;
  2. GOVERNMENT RESTRICTION, STRIKES, WAR, ANY NATURAL DISASTER OR FORCE MAJEURE, POWER FAILURES, LARGE INCREASES IN ON-LINE ACTIVITY IN A SHORT PERIOD OF TIME (USAGE SPIKES), VIRUSES, CATASTROPHIC HARDWARE FAILURES, ATTACKS ON OUR SERVERS, FIRES, EARTHQUAKES, FLOODS, UNUSUALLY SEVERE WEATHER, OR ANY OTHER CONDITION BEYOND OUR REASONABLE CONTROL LIMITING, PREVENTING OR OTHERWISE AFFECTING EITHER YOUR ACCESS TO OR USE OF THIS WEBSITE OR SITE MATERIALS OR OUR ABILITY TO PROVIDE PRODUCTS OR  SERVICES IN CONNECTION WITH, OR RESERVED OR ORDERED THROUGH, THIS WEBSITE; OR
  3. LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THIS WEBSITE, OR INTERCEPTION OF ANY SUCH INFORMATION BY UNAUTHORIZED THIRD PARTIES. 

 

YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS WEBSITE AND/OR SITE MATERIALS CONTAINED WITHIN THIS WEBSITE IS TO STOP USING THIS WEBSITE AND/OR SITE MATERIALS, AS APPLICABLE.

 

Availability of this Website: This website is usually available 24 hours a day, 7 days a week. However, we retain the right to make this website unavailable from time to time for any reason or no reason. We shall not be liable for any damages arising from any interruption, suspension, or termination of this website.