Terms of Service
Effective June 20, 2022
Guardian Angel Loan is a DBA of Dove Foundation, Inc., a non-profit corporation. By completing an application you confirm that you have read, accepted, and fully understand the terms of this agreement.
Notice Regarding Dispute Resolution: These Terms contain provisions governing how claims are resolved, including mandatory binding arbitration with limited exceptions requiring submission of claims to binding arbitration.
Loan Agreement
Key Loan Terms
- Loans require a minimum initial down payment upon approval
- Remaining balance financed at zero percent interest
- Monthly minimum payment required
- Inactive accounts may result in credit limit reduction or closure
Authorization to Charge
By submitting your application, you authorize Guardian Angel Loan to debit the bank account or debit card account indicated in the web form. You acknowledge that electronic transactions may withdraw funds immediately and accept responsibility for bank account authorization.
Parties to This Agreement
Lender
Guardian Angel Loan / Dove Foundation, Inc.
Borrower
Prospective loan applicant
Third Parties
Suppliers, joint venture partners, affiliates
Recipient
Product recipient if ordered/paid by another party
Credit Reporting
Your account will be assigned to report within approximately sixty (60) days from the date your loan account is approved.
Credit reporting during the agreement term is not guaranteed. The lender reserves the right to perform hard inquiries on consumers. Guardian Angel Loan does not accept authorized users on any account.
You authorize Guardian Angel Loan at its discretion to furnish information concerning your loan account to consumer reporting agencies.
Payments
Monthly Payments
Each month, you agree to pay at least the minimum due shown on your loan documents no later than the payment date designated in the loan agreement. You may pay more than the minimum or pay off the balance in full without additional charges or penalties.
Payment Requirements
- Payments must be mailed or delivered to the address on the billing statement
- No cash accepted
- Non-conforming payments may not be credited for up to 5 days or may be rejected
- Payments received after 3 PM CST are credited the next business day
Minimum Monthly Payment
The minimum payment each month is $30.00 or the remaining balance of the account if less, calculated based on purchases made prior to the end of each month.
Refund Policy
Since services are available immediately, you will not be eligible for a refund of any Guardian Angel Loan payments. All payments are final once processed.
Default
Guardian Angel Loan may declare you to be in default if you fail to comply with any provision of this agreement, including failing to make a required payment when due or exceeding your loan account credit limit. Default also occurs if you file bankruptcy, become insolvent, or if the lender determines that the prospect of payment has become significantly impaired.
Upon default, the lender may require immediate full balance payment and you agree to pay all collection costs including attorney fees and court costs.
Cancellation
Guardian Angel Loan has the right at any time to terminate your loan account for any reason not prohibited by applicable law. Upon termination, you remain responsible for outstanding balances per the agreement terms.
You may only have one active Guardian Angel Loan account. Delinquent accounts are considered active accounts until paid in full.
Contact Authorization
By entering this agreement, you authorize continuing follow-up contact including email, mail, newsletters, telephone calls (including autodialer and prerecorded messages), and telemarketing related to the product or other products. Standard message and data rates apply.
You retain the right to:
- Sever contact via "unsubscribe" links
- Refuse contact with specific third-party solicitors
- Request removal from solicitation databases
- Directly restrict communication from any party
Liability, Risk & Indemnification
Payment Fraud
By entering this agreement, you warrant that you are over 18 years old, of legal age to enter contracts in your state, and the true authorized owner of the bank account or debit card used. Violators may face civil or criminal prosecution.
Limitation of Liability
You expressly waive any and all claims for consequential, speculative, and unforeseeable damages. Liability for any harm is limited to the purchase price paid. Some states do not allow limitation of liability.
Assumption of Risk & Indemnification
You agree to accept all risk associated with the use of this loan product and to indemnify Guardian Angel Loan for any and all damage caused by using the product or information contained on this website.
Dispute Resolution
Binding Arbitration: You agree to use binding arbitration for any claim, dispute, or controversy of any kind arising out of or relating to this loan or product. Arbitration is conducted pursuant to American Arbitration Association rules.
AAA: 335 Madison Avenue, Floor 10, New York, New York 10017-4605
Court & Jury Trial Waiver
In no case shall you have the right to go to court or have a jury trial. You will not have rights to engage in pre-trial discovery (except as provided in rules), participate as a representative or member of a class action, or appeal the arbitrator's decision (limited rights only).
Prevailing Party
The prevailing party to any arbitration or litigation will be entitled to collect attorney fees and all other costs, including filing fees, investigation fees, collection fees, and travel expenses.
Jurisdiction & Governing Law
If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, you agree that the sole and proper jurisdiction shall be the state of Alabama. The applicable law shall in all cases be that of the state of Alabama.
Billing Rights Notice
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify Us in Case of Errors
If you think a bill is wrong, write to: P.O. Box 161172, Mobile, AL 36616, Attention: Dispute Department — no later than 60 days after receipt of the first bill showing the error. Include your name, account number, dollar amount, and description of the error.
Our Responsibilities
We must acknowledge your letter within 30 days. Within 90 days, we must either correct the error or explain why the bill was correct. We cannot attempt collection or report questioned amounts as delinquent during investigation.
Additional Terms
Change in Terms
Guardian Angel Loan has the right to change any term of this agreement at any time, including rates and fees. Written notice will be provided before the effective date if required by law.
Modification
This loan agreement cannot be modified unless modifications are made in writing and signed by both parties.
Geographic Restriction
This website is not directed towards residents of the European Union. EU residents are prohibited from accessing the site or sharing personal information.
Consent to Electronic Records
Guardian Angel Loan will provide disclosures and notices electronically to the extent permitted by law. You may withdraw consent or request paper records at no charge by contacting support.
California Residents
California residents may request disclosure of collected personal information, deletion of personal information, opt-out of personal information sales, and data access and portability. Guardian Angel Loan will not discriminate based on your exercise of such rights.