Terms of Use

CAREFULLY READ AND REVIEW THE NOTICES, DISCLAIMERS, LIMITATIONS, TERMS, PROVISIONS AND CONDITIONS SET FORTH HEREIN BELOW AND IN THE MRS BPO LLC. (HEREIN REFERRED TO AS “MRS”) PRIVACY POLICY BEFORE USING THIS SITE OR ITS FEATURES IN WHOLE OR IN PART (THESE TERMS, INCLUDING BUT NOT LIMITED TO THE MRS PRIVACY POLICY, ARE HEREINAFTER REFERRED TO AS “TERMS OF USE”).

USERS MAY CLICK ON THE PRIVACY POLICY LINK FROM THE MRS WEBSITE TO GO DIRECTLY TO THE MRS PRIVACY POLICY. ANY USER (“YOU”) WHO ACCEPTS, ASSENTS AND AGREES TO BE BOUND BY THE FOLLOWING TERMS OF USE IS WELCOME TO USE THIS SITE AND ITS FEATURES, SUBJECT TO SAID TERMS OF USE, WHETHER ABOVE OR BELOW, THIS “SITE” (INCLUDING WITHOUT LIMITATION THE WORD “SITE” OR THE WORD “WEBSITE” WITH OR WITHOUT ANY CAPITALIZATION) SHALL INCLUDE THIS WEBSITE AND ALL WEBSITES OWNED OR CONTROLLED BY MRS, AND SHALL INCLUDE WITHOUT LIMITATION ALL APPLICATIONS, FEATURES, SERVICES AND INFORMATION ON OR AVAILABLE THROUGH THIS WEBSITE.

ALL APPLICATIONS, FEATURES, SERVICES AND INFORMATION HEREINAFTER ALSO REFERRED TO COLLECTIVELY AS THE “SERVICES”. THIS SITE, AND ALL OF ITS FEATURES AND SERVICES, IS OFFERED AND MADE AVAILABLE TO YOU, AND YOUR USE OF THIS SITE AND ITS FEATURES IN WHOLE OR IN PART, IS SUBJECT TO AND CONDITIONED UPON YOUR ACCEPTANCE AND AGREEMENT AND COMPLIANCE WITH THIS TERM OF USE AND THE MRS PRIVACY POLICY, WITHOUT QUALIFICATION, LIMITATION OR MODIFICATION.

These Terms of Use govern your use of the World Wide Web Site located at www.mrsbpo.com (this "website"). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms of Use, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms of Use, you are not granted permission to use this website and must exit immediately.

1. Access to Site:

MRS BPO, LLC aka MRS Associates, Inc. ("MRS") reserves the right, in its sole and absolute unilateral discretion, to terminate, suspend or restrict your access to this website, without notice, in the event you violate any of these Terms of Use. MRS also reserves any and all remedies at law or in equity in connection with any violation of the website Terms of Use.

2. Consent to Monitoring and Disclosure:

MRS is under no obligation and does not assume any obligation to monitor the information included in, transmitted to or made accessible via this website. However, you agree that MRS may monitor this website in further effort to protect the user and information of the website and to comply with all applicable federal, state and/or local laws, rules and regulations. All information provided by MRS in connection with the website that must be disclosed to any other person or entity to complete your requested transaction will not be considered confidential for such limited purposes. MRS shall be free to use, disclose and distribute such information to identified third parties without limitation in accordance with the law.

3. Modification:

This website has been prepared solely for the purpose of providing information about MRS, and the products and services offered by MRS and its operating subsidiaries and affiliates. MRS reserves the right, in its sole discretion, to amend these Terms of Use, and to modify, add or discontinue any aspect, content, or feature of the website at any time. Such amendments, modifications, additions or deletions shall become effective upon notice thereof, which may be provided to you by posting on the website, via e-mail or any other reasonable means. It is the obligation of users visiting the website before the change to learn of changes to the Terms of Use since their last visit. Any change to these Terms of Use shall be effective as to any visitor who has visited the website before the change was made. Continued use of the website by you shall constitute your binding acceptance of any such amendments, modifications, additions or deletions.

4. ACH Disclosure:

When you provide a check as payment, you authorize MRS either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When MRS uses information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.

5. Disclaimer of Limited Liability:

This website, the website materials on and in, and made available through this website, and the services, information, links to other sites and products offered by MRS, and its operating subsidiaries and affiliates in connection therewith are made available "as is" and "with all faults." Use of this website is entirely at your own risk.

MRS makes no representations or warranties, and disclaimS all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you.

MRS shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will the total liability of MRS to you or any other person or entity in connection with, based upon, or arising from this website, the website materials on and in and made available through this website, or the services, information, or products offered in connection therewith this website.

NO INFORMATION PROVIDED BY MRS AND/OR ITS EMPLOYEES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. MRS DOES NOT WARRANT THAT THE INFORMATION ON THIS WEBSITE, LINKED WEBSITES, OR AS OTHERWISE ACCESSIBLE HEREIN WILL BE UNINTERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE FROM THIS OR ANY OTHER WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

MRS IS NOT LIABILE IN THE EVENT A PAYMENT TRANSACTION IS NOT COMPLETED FOR ANY REASON, INCLUDING BUT NOT LIMITED TO THE IMPROPER OR INCOMPLETE INFORMATION, INSUFFICIENT FUNDS OR CREDIT, THE FAILURE OF SYSTEMIC PROCESSES OF THIS WEBSITE OR YOUR FINANCIAL PROVIDERS. MRS RESERVES THE RIGHT TO SUSPEND OR TERMINATE ANY TRANSACTION THAT MRS DEEMS INVALID, UNAUTHORIZED, FRAUDULENT OR OTHERWISE.

6. Other Web Sites:

Other sites that may be listed or linked in this website are not under the control of MRS. Accordingly, MRS can make no representation concerning the content of these sites to you, nor can the fact that MRS has given you this listing serve as an endorsement by MRS of any of these sites. MRS is providing links to these sites as a convenience to you. MRS has not tested any software that may be found on these sites and therefore cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and MRS cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. MRS is not responsible for any content, information, products, services, or software offered by any other party or at any other web site.

7. Copyright and Proprietary Information:

MRS[1] also owns a copyright in the website as a collective work and/or compilation. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission of MRS is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.

MRS welcomes your feedback and suggestions about how to improve our products, information, and services. By transmitting any suggestions, information, data, material, or other content to MRS, you automatically grant MRS the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such (in whole or part) to MRS. Further, MRS is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to this website for any purpose whatever, including, but not limited to, creating and marketing products, or services using such information.

8. Disruption of Service:

Access to this website may from time to time be or become unavailable, delayed or otherwise limit adequate usability due to hardware failure, telecommunication line failure or interruption, network or server failures, viruses, errors, incompatibility of systems or other such things that may be a result of the end users equipment, connections or other causes outside of the control of MRS. In the event an interruption of service or other failure causes irreparable harm to the end user MRS shall not be held accountable for any damage, inaccuracy, adequacy, incompletion of information or materials submitted through your use of this website.

9. Security of Personal Information:

MRS respects your right to the privacy of your personal information. You agree to comply with any security processes and procedures (such as passwords) specified by MRS with respect to access to or use of this website. MRS agrees not to retain your personal information for any other purposes than to fulfill the obligations of MRS as set forth in these Terms of Use. The obligations set forth in this Section shall survive termination of the Terms of Use. MRS shall ensure that MRS personnel shall not attempt to access, or allow access to, any of your information that they are not permitted to access under these Terms of Use. MRS does track IP addresses for various uses and ignores “Do Not Track” requests from browsers to protect our customers. In no instance will MRS disclose, sell or rent customer’s information.

10. Consent to Further Use of Information You Provide on this Website:

You hereby expressly consent to and further knowingly provide any and all information, personal or as otherwise required to complete your payment transactions herein or voluntarily upon my own volition to MRS and further authorize MRS to utilize the information that you provide herein to contact you directly or through an automated dialing system or prerecorded messaging system, including but not limited to, my electronic mail address, residence address, cellular or landline telephone or facsimile numbers, SMS messaging, text messaging, or other means of electronic, virtual or traditional means of communication, in an effort to recover any unpaid portion of any obligation that you now owe or incur in the future that is or may be placed with MRS for collection services, default prevention, counseling or other related services.

11. Passwords

In order to access certain websites and services, you may be required to enter a user name and password on the website. You shall hold your user name and password in strict confidence. In the event you determine that the confidentiality of your password or user name has been breached, you shall immediately notify MRS of such occurrence. In such event, MRS will issue you a new user name and password to prevent further misuse.

12. Indemnification:

You agree to protect, defend, indemnify and hold harmless MRS and its and their respective officers, directors, employees and agents harmless from and against any and all claims, actions, proceedings, judgments, expenses, damages and liabilities (including, without limitation, attorneys' fees and court costs) which may result, directly or indirectly, from any breach of these Terms of Use.

13. Governing Law and General Terms:

These Terms of Use, including, without limitation, the Privacy Notice, represent the entire agreement between you and MRS with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of New Jersey, without reference to any of its choice of law principles; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these Terms of Use of the applicability of one or more sections of the law.

You agree that MRS does not waive any right by not exercising or enforcing any legal right or remedy which is contained in these Terms of Use or under applicable law. Said failure to exercise any right will not be taken to be a formal waiver of MRS’ rights. If any provision of these Terms of Use conflicts with the law under which the Terms of Use is to be construed, or if any such provision is held invalid by a competent authority, such provision shall be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remainder of these Terms of Use shall remain in full force and effect. Any provision of the Terms of Use that contemplates performance or observance subsequent to termination or expiration of the Terms of Use shall survive termination or expiration of the Terms of Use and continue in full force and effect.

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

Revision Date: 04/10/2017