EFFECTIVE January 18, 2022

This Document contains the Loan Agreement and the Terms and Conditions of becoming a Guardian Angel Loan Holder.  GUARDIAN ANGEL LOAN IS A DBA OF DOVE FOUNDATION, INC., A NON-PROFIT CORPORATION.

BY ACCESSING AND/OR USING THE Guardian Angel Loan WEBSITE (THE "WEBSITE") AND/OR OUR SERVICE (THE "SERVICE"), YOU AGREE TO COMPLY WITH, AND BE BOUND BY, THE FOLLOWING TERMS AND CONDITIONS (THE "AGREEMENT").

Notice Regarding Dispute Resolution: These Terms contain provisions that govern how claims you and Guardian Angel Loan may have against each other are resolved (see the Section on “Dispute Resolution” below), including an obligation to arbitrate disputes, which will, subject to limited exceptions, require you to submit claims you have against us to binding arbitration.

This Website is not directed towards residents of the European Union. Under no circumstances are residents of the European Union permitted to visit our Site and share their personal information.  

 

Loan Agreement 

Notice -- Read This

WHEN YOU COMPLETE YOUR APPLICATION, YOU, THE BORROWER, ARE CLAIMING THAT YOU HAVE READ, ACCEPTED, AND FULLY UNDERSTAND THE TERMS OF THIS AGREEMENT ELECTRONIC RECORDS POLICY, LOAN AGREEMENT AND OFFER DETAILS.

THIS AGREEMENT IS A CONTRACT. UNDER THE TERMS OF THE CONTRACT YOU RECEIVE CERTAIN RIGHTS DUE YOU FROM GUARDIAN ANGEL LOAN (THE “LENDER”) AND YOU, IN TURN, GIVE THE LENDER CERTAIN RIGHTS THAT AFFECT YOU. THIS CONTRACT ALSO CONTAINS PROVISIONS THAT DELINEATE AND RESTRICT YOUR RIGHTS ABOUT REFUND AND WARRANTY AND THAT LIMIT THE LIABILITY OF THE LENDER.

YOU MUST ACCEPT THESE TERMS OR THE LENDER WILL NOT TRANSACT BUSINESS WITH YOU.  YOUR APPLICATION WILL NOT BE PROCESSED IF YOU DO NOT ACCEPT THESE TERMS.

YOUR PLEDGE OF AN UNDERSTANDING OF THIS CONTRACT AND ACCEPTANCE OF THE RIGHTS, DUTIES, AND LIMITATIONS EMBODIED IN IT, IS A MATERIAL PART OF THE LEGAL CONSIDERATION THAT THE LENDER REQUIRES FROM YOU AS A CONDITION OF PROCESSING YOUR APPLICATION.

 

 

Guardian Angel Loan products require a minimum initial down payment once the application is approved. The balance of the loan will be financed with ZERO (0.00%) Percent Interest.  You agree to pay the total minimum monthly payment reflected on your account.  You may pay more than the minimum payment. 

Should the Guardian Angel Loan account become inactive, it may result in a decrease of credit limit or closure of account.

 

*AUTHORIZATION TO CHARGE: 

I, BORROWER, authorize Guardian Angel Loan to debit the credit or debit account indicated in this web form, for the noted amount on today’s date. I understand that because this is an electronic transaction, these funds may be withdrawn from my account as soon as the above noted transaction date. *If the Transaction is rejected for Non-Sufficient Funds (NSF), you may be charged a $20.00 NSF Fee that can be added to your balance if not brought current.  No NSF fee will be charged if your state of residence is DE, MD, NE or WY.  I acknowledge that the origination of transactions to my account must comply with the provisions of U.S. law. I will not dispute merchants debiting my checking/savings account, so long as the transaction corresponds to the terms indicated in this web form.

 

PARTIES TO THIS AGREEMENT AND DISCLAIMER

The parties to this agreement are the website or its owners, hereafter "LENDER," and you, the prospective BORROWER, hereafter "BORROWER". Persons or entities who are not participants in this contract but who have an indirect relationship, such as a supplier, joint venture partner, membership organization, or sales affiliate, are herein described as "THIRD PARTY OR THIRD PARTIES." The recipient of the product herein sold, where said product is ordered by and paid for by someone other than the recipient, is classified herein as if that recipient were the ordering BORROWER with the same rights, duties, and obligations as the BORROWER, but may also be referred to herein as "RECIPIENT".

 

SUBJECT MATTER OF THIS LOAN AGREEMENT 

The subject matter of this agreement is a product or service described in promotional or sales materials on this website and/or in an email referencing this website, and said website and/or email and its contents are incorporated herein by reference and made a part hereof and constitute a complete description of the product or service that is the subject matter of this Loan Agreement. This bundle of offerings, including additional items promoted on the order page, shall, together, be termed ‘product’ throughout this agreement but the word ‘product’ shall mean all elements offered in the sale, whether digital, dimensional, or other license or right, and include all sales or promotional materials.

Credit Reporting: 

Your Account with Guardian Angel Loan Will Be Assigned to report Within Approximately Sixty (60) Days From The Date That Your Account Is Approved And A Purchase Of Products Is Made If The Account Is Active At That Time. While Payments Are Due On Your Account During This First Sixty (60) Days, Your Account May Not Be Reported. Credit Reporting During The Term Of This Agreement Is Not Guaranteed.  You May Be Subject To A Hard Inquiry On Your Credit Report.

Guardian Angel Loan does not accept Authorized Users on any account.

Refund Policy

Guardian Angel Loan Support: Please call Customer Support at 860-800-5811. You may also mail requests to Guardian Angel Loan 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL 36606 ATTN: Customer Service Department.

Refund Policy:

You may cancel under this agreement if it has been signed by a party thereto at a place other than the address of the seller which may be his main office or branch thereof; provided you notify the seller in writing at his main office or branch, by ordinary mail posted, by telegram sent or by delivery, not later than midnight of the third business day following the execution of this agreement.  Refunds will be made in the original form of payment.

RIGHTS AND OBLIGATIONS OF THE BORROWER: The BORROWER must pay the full consideration for this product that the LENDER requires as the total price of the product. This consideration includes not only the purchase price, but other obligations that the BORROWER accepts as well as potential rights the BORROWER agrees to forego. By accepting this Loan Agreement, the BORROWER agrees to receive continuing follow-up contact from the LENDER including email, mail, newsletters, product updates, product improvements, telephone calls (including via auto dialer and prerecorded message) from the LENDER and/or telemarketing organizations and/or pollsters for the purpose of solicitation related to the instant product or any other product or service. Your agreement to such contact is not required for future purchases and standard message/data rates apply. BORROWER agrees to post-sale contact from joint venture partners of the LENDER or from others who have a commercial relationship with the LENDER. BORROWER agrees that all personal information about the BORROWER or his or her buying habits and preferences, including address and phone number, may be placed in a general database and agrees that this information may be shared, rented or sold to third parties.  However, BORROWER shall at all times be fully empowered to sever contact with the LENDER by notification using the ‘unsubscribe’ link in solicitations. Moreover, the BORROWER retains the right to refuse specific contact with some third party solicitors and maintain it with others. The BORROWER retains the right to have his or her name removed from a general solicitation database. The BORROWER’s agreement to accept solicitation and contact may be reduced, enhanced, limited or terminated by notification to anyone contacting the BORROWER. BORROWER agrees that LENDER is not liable for communications made to the BORROWER by parties unrelated to this agreement even though referred by the LENDER. BORROWER accepts full responsibility for limiting unsolicited contact and BORROWER understands that he retains all rights to directly restrict communication or solicitation from any party, including the LENDER. 

The BORROWER agrees to allow the LENDER to collect, store, and use for marketing purposes all information collected from, provided by or otherwise ascertained by electronic means from the BORROWER. The BORROWER, specifically, and as part of the consideration paid for this product, waives all right to access, retrieve, or control such information except that the BORROWER retains the right to restrict contact as described previously.

The BORROWER understands that cookies may be placed on his or her hard drive that will provide information to the LENDER and which are necessary for delivering an e-product and which will be able to determine if you retain the right to access the product. BORROWER understands that these cookies or other computer codes will reside on the hard drive and will communicate at times with the LENDER’s computer and thereby transmit and receive information.

CREDIT CARD CHARGES AND CREDIT CARD FRAUD 

BORROWER warrants that he or she is over 18 years of age, not subject to the Child Online Privacy Act, of legal age to enter into contractual agreements in the state in which he is present when he enters this loan agreement, and is the true and authorized owner of the debit or credit card used to make this purchase. Any BORROWER who violates any of these requirements may be liable for civil or criminal prosecution, plus actual damages, and agrees that all information collected by this website may be used for prosecution and may be turned over to law enforcement agencies or to credit card companies and merchant service providers. 

If the true and/or authorized owner of the debit or credit card attempts to commit fraud upon the LENDER, he authorizes each and every credit card company or merchant service provider to disclose to the LENDER all information that could be construed as proof of credit card fraud.

Any BORROWER who attempts to perpetrate a fraud upon LENDER involving the use of a debit or credit card herewith gives authorization for the LENDER to access all credit information about the BORROWER from credit reporting agencies and also authorizes the LENDER to discover all relevant information from any source about the fraudulent practices of the BORROWER and to reveal such information to credit reporting agencies, credit card companies, merchant service providers, and law enforcement agencies.

ASSUMPTION OF RISK

BORROWER agrees to accept all risk associated with the use of this product.

LIMITATION OF LIABILITY AND DISCLAIMER

BORROWER expressly waives any and all claims for consequential, speculative, and unforeseeable damages resulting from the purchase or use of this product or from subsequent contact with LENDER or Third Parties.

BORROWER agrees and understands that the LENDER, specifically but not exclusively, disclaims liability for all damage to BORROWER’s person or business by using any product, including harm to BORROWER’s computer hardware or software from worms, viruses, or other defects in the product or computer codes that cause harm. LENDER disclaims liability for BORROWER’s interaction with Third Party soliciting agents who were provided ‘leads’ by the LENDER. LENDER disclaims liability for BORROWER’s interactions with advertisers on the site. LENDER disclaims liability for BORROWER’s interaction with other visitors or members of the website.

 

LIMITATION OF LIABILITY FROM HARM CAUSED BY THE PRODUCT 

BORROWER agrees that the LENDER’s total liability, even from harm caused to the BORROWER or to others from use of the product, shall be limited to the purchase price paid for the product. 

LIMITATION OF LIABILITY FROM ALL OTHER INJURIES OF ANY KIND 

BORROWER agrees that the LENDER’s total liability, for any other injury, harm, or tort of any kind, whether foreseeable or unforeseeable, shall be limited to the purchase price paid for the product. 

LIMITATION ON THE LIABILITY LIMITATION 

BORROWER understands that some states do not allow limitation of liability.

SPECIFIC DISCLAIMERS AS TO ‘RESULTS CLAIMS’, ‘INCOME CLAIMS’, OR ‘EARNINGS CLAIMS’ IN SALES AND PROMOTIONAL MATERIALS OR PRODUCT

If claims about results from using a product or if claims about income or earnings resulting from the use of a product are made, such claims are true for the persons who made the claims, including claims made by the LENDER about its own experience with the product.

Where this disclaimer and claims made in sales and promotional materials or the product are in conflict, this Loan Agreement shall be controlling except, and unless, the LENDER deliberately misled the BORROWER or if such construction would cause material inequity. The sole burden is on the BORROWER to substantiate any deliberate deception. BORROWER accepts the obligation to reimburse the LENDER for all court costs, investigation costs, attorney fees, and all litigation-related costs in the event BORROWER brings suit against the LENDER and does not prevail in court or at arbitration.

No warranties are made whatsoever about the amount of money, if any, that BORROWER will earn from any material or product or service and BORROWER warrants an understanding that BORROWER’s only course of action is to test this product and material for the extent of the refund period and request a refund if BORROWER is not satisfied prior to its expiration.

BORROWER, again, warrants an understanding that in any event, for any reason, no matter the amount of damages claimed, as a material part of the consideration for purchase of this product, the maximum amount of liability shall be the purchase price of the product.

 

PRIVACY POLICY ACCEPTED 

BORROWER expressly accepts the terms of the Privacy Policy of LENDER’s website. 

RIGHT TO PUBLISH SUBMISSIONS 

BORROWER agrees that LENDER may publish for commercial purposes the full or partial content of any and all communication with BORROWER at the LENDER’s sole discretion. 

INDEMNIFICATION 

BORROWER agrees to indemnify LENDER for any and all damage that BORROWER causes by using the product or information contained on this website that results in a damage award against the LENDER. 

RIGHT TO STOP SELLING OR SERVICING PRODUCT 

BORROWER agrees that LENDER has the right to discontinue the product or the service at any time without notice. 

CALIFORNIA RESIDENTS NOTE 

With certain exceptions, residents of the State of California may request (a) disclosure of personal information collected, (b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Guardian Angel Loan will not discriminate based on your exercise of such rights. If you are a California resident and want to make any such requests, please contact us through our website (www.guardianangelloan.com) or at Guardian Angel Loan, Privacy Policy, 851 East I-65 Service Road 10th floor Suite 1080 Mobile, AL  36606, or call860-800-5811. For all mailed requests, you must put the statement "California Privacy Request" in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.  

DISPUTE RESOLUTION

As part of the consideration that the LENDER requires, BORROWER agrees to use binding arbitration for any claim, dispute, or controversy ("CLAIM") of any kind (whether in contract, tort or otherwise) arising out of or relating to this purchase of this product, including solicitation issues, privacy issues, and terms of use issues. 

Arbitration shall be conducted pursuant to the rules of the American Arbitration Association which are in effect on the date a dispute is submitted to the American Arbitration Association. Information about the American Arbitration Association, its rules, and its forms are available from the American Arbitration Association, 335 Madison Avenue, Floor 10, New York, New York, 10017-4605.  

In no case shall the BORROWER have the right to go to court or have a jury trial. BORROWER will not have the right to engage in pre-trial discovery except as provided in the rules; BORROWER will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator’s decision will be final and binding with limited rights of appeal or vacate as set forth in the applicable rules and regulations governing arbitrations.

The prevailing party shall be reimbursed by the other party for any and all costs associated with the dispute arbitration, including attorney fees, collection fees, investigation fees, travel expenses.

JURISDICTION AND VENUE 

If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, BORROWER agrees to that the sole and proper jurisdiction to be the state of Alabama. In the event that litigation is in a federal court, the proper court shall be in the state of Nevada. 

APPLICABLE LAW

BORROWER agrees that the applicable law to be applied shall, in all cases, be that of the state of Alabama. 

NOTICE 

BORROWER herewith agrees to receive Notice of Changes, Litigation, Service of Process, Cancellation, Termination, and Modification of service or product at the email address provided to LENDER on the ordering page. Further, BORROWER agrees that the right to contact BORROWER concerning legal notice shall not be terminated by previously submitted ‘unsubscribed’ notices and specifically agrees that any notification to cease contact shall not be binding upon the LENDER in regards to Notice of Change, Litigation, Service of Process, Cancellation of Product or Service or Subscription, Termination of a program, product or website, or Modification of the terms of service or product. Additionally, the BORROWER grants LENDER irrevocable right to contact him or her via mail or telephone concerning any of these issues irrespective of other rights the BORROWER has to sever contact with LENDER. 

FEES/COSTS TO PREVAILING PARTY

The prevailing party to any arbitration or litigation will be entitled to collect attorney fees and all other costs of the arbitration or litigation, including filing fees, investigation fees, collection fees, and travel expenses from the other party.

MODIFICATION 

This Loan Agreement cannot be modified in any manner between the LENDER and this BORROWER unless modifications are made in writing, signed by both parties. However, the LENDER may modify this Loan Agreement at any time for other BORROWERs without notice to the instant BORROWER. 

ENFORCEABILITY OF PROVISIONS 

In the event that some provisions, terms, conditions of the Loan Agreement are held to be invalid or unenforceable, the remainder of the provisions that are enforceable shall control. Additionally, BORROWER and LENDER agree that, if any provision is found to be invalid or unenforceable, the arbitrating panel will construe such provision to the maximum extent that it might be found to be valid or enforceable. 

WAIVER OF BREACH 

The LENDER’s waiver (failure to enforce) any term of this agreement shall not be construed as a modification or an amendment to this agreement or constitute a waiver of other breaches. 

 

LENDER CONTACT INFORMATION 

The LENDER of this product is: Guardian Angel Loan DBA Dove Foundation, Inc. a Non-Profit Corporation, corporate address, 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL  36606.  All disputes should be mailed to Guardian Angel Loan 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL  36606 Attention: Dispute Department.

FINAL ACCEPTANCE 

By taking the affirmative step of purchasing of a product or service you, the BORROWER, attest that you have fully read, understand, and accept the terms of this Loan Agreement contract, and warrant to the LENDER that said affirmative digital acceptance shall be deemed to be the same as if you had affixed your signature to this Loan Agreement contract.  

 

Notice of BORROWER

(1) Do not sign this agreement if any of the spaces intended for the agreed terms are left blank.

(2) You are entitled to a copy of this agreement at the time you sign it.

(3) You may at any time pay off the full unpaid balance under this agreement.

(4) You may cancel a purchase under this agreement if it has been signed by a party thereto at a place other than the address of the LENDER which may be his main office or branch thereof; provided you notify the LENDER in writing at his main office or branch, by ordinary mail posted, by telegram sent or by delivery, not later than midnight of the third business day following a purchase under this agreement.

CONSENT TO ELECTRONIC RECORDS

Please read this information carefully and retain a copy for future reference.

Introduction - To the extent permitted by law, Guardian Angel Loan will provide all disclosures and notices to you in electronic form including, but not limited to, any applicable credit-related disclosures required by the Truth in Lending Act, and any notices (e.g., adverse action notice and privacy policy notice) required by the Fair Credit Reporting Act, Equal Credit Opportunity Act, and Gramm-Leach-Bliley Act, and their implementing regulations. For purposes of this consent, these disclosures and notices are referred to as "Records." This Consent to Electronic Records informs you of your rights when Records will be provided to you electronically.  By consenting below, you acknowledge receipt of this Consent to Electronic Records and agree to the electronic delivery of the Records. 

Hardware and Software Requirements - The Records will be provided to you either on the Guardian Angel Loan website, in an email message, or as an attachment to an email message sent to the email address you provide as part of your credit application. To access the Records, you will need a personal computer or other access device which is capable of accessing the Internet with a web browser. To retain the Record, your access device must have the ability to either download the Records to your computer’s hard drive or print the Records. 

Right to Withdraw Consent and Procedures for Withdrawal - You may withdraw your consent to receive the Records electronically at any time, or update your contact information at any time by emailing contactus@guardianangelloan.com or writing to 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL  36606 and withdrawing your consent or providing your updated contact information. 

Consent Applies to Credit Transaction - Your Consent to Electronic Records applies to the credit transaction you’ve requested and any other product or service you may request from Guardian Angel Loan that may give rise to the obligation to provide the Records. 

Right to Paper Records and Copies of Records - You have the right to have the Records provided to you in paper form, rather than electronic form. If you wish to obtain the Records in paper form, contact Guardian Angel Loan by email contactus@guardianangelloan.com, or write to Guardian Angel Loan 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL  36606. A paper copy of the Record will be provided to you at no charge. 

 

Guardian Angel Loan Agreement 

Consumer Disclosures, & Privacy Policy

  1. GENERAL TERMS AND CONDITIONS 

In this Guardian Angel Loan Agreement; Consumer Disclosures; and Privacy Policy, the term "Guardian Angel Loan" includes its successors and assignees. Throughout, the Guardian Angel Loan Agreement; Consumer Disclosures; and Privacy Policy, which include the terms and conditions governing Guardian Angel Loan Accounts, the "Billing Rights Notice," and the "Guardian Angel Loan Privacy Policy," collectively will be referred to as the "Agreement." As used in Parts I and II of the Agreement, the terms "I", "my", and "me" mean each person who has signed or otherwise submitted an application or other forms when opening or requesting a Loan Account, and each person who is liable to pay Guardian Angel Loan for amounts owed under the Loan Agreement. As used in Parts III and IV of the Agreement, the terms "you", and "your" mean each person who has signed or otherwise submitted an application or other forms when opening or requesting a Loan Account, as applicable, and each person who is liable to pay Guardian Angel Loan for amounts owed under the Loan Account and the terms "we", "our", and "us" mean Guardian Angel Loan. 

Part I of this Agreement sets forth the general terms and conditions applicable to all Guardian Angel Loan Accounts. Part II of this Agreement sets forth the specific terms and conditions applicable to Guardian Angel Loan Accounts. Part III of this Agreement provides consumer disclosure statements addressing the Guardian Angel Loan Accounts Billing Rights Summary. The Guardian Angel Loan Privacy Policy is disclosed under Part IV.

  1. ACCEPTANCE OF AGREEMENT This Agreement governs the use of my Guardian Angel Loan. I have read and kept this Agreement for my records. The application I signed or otherwise submitted (including any accompanying federal and state notices) is part of and is incorporated into this Agreement. My electronic signature on the application I submitted to Guardian Angel Loan requesting a Loan Account represents my signature on this Agreement and each use of the Account confirms my agreement to the terms and conditions stated in this Agreement, as they may be amended from time to time.  This Agreement begins on the earlier of the date that Guardian Angel Loan approves my application, or the date that Guardian Angel Loan allows me to use my Account. If Guardian Angel Loan approves my application and issues an Account to me, I agree to pay Guardian Angel Loan all amounts owed under this Agreement. 
  2. CHANGE IN TERMS.  Guardian Angel Loan has the right to change any term of this Agreement at any time, including without limitation any Annual Percentage Rate, any other rates and fees, and may add or delete fees and other provisions relating to my Loan Account, and to the nature, extent and enforcement of the rights and obligations I may have under this Agreement. If permitted by applicable law, the change may be applied to any amount I owe Guardian Angel Loan in connection with my Loan Account at the time of the change. Guardian Angel Loan will give me written notice before the effective date of any such change, if required by applicable law. 
  3. PROMISE TO PAY.  I agree to pay in US dollars for all purchases, or fees incurred by Loan Account, even if I do not notify Guardian Angel Loan. All checks must be drawn on funds on deposit in the United States. Guardian Angel Loan can accept checks and money orders marked "payment in full" without losing its right to receive the full amount owing on my Loan Account or any of its other rights under this Agreement. I agree to address all communications concerning disputed debts, including instruments tendered as full satisfaction of debt, to the following address: 

Guardian Angel Loan 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL  36606 Attention:  Accounting Department

  1. MISREPRESENTATION.  In the event that any information given to Guardian Angel Loan in connection with my application or any future transaction involving my Loan Application is false or misleading, Guardian Angel Loan reserves the right to terminate this Agreement and take any and all legal action available under applicable law. 
  2. CANCELLATION.  Guardian Angel Loan has the right at any time to terminate my Loan Account and this Agreement as each relates to future purchases or to limit or cancel my Loan Account privileges, for any reason not prohibited by applicable law and with only such notice as is required by applicable law. I may terminate this Agreement, by notifying Guardian Angel Loan in writing. Termination of this Agreement, or any limitation or cancellation of my Loan Account, will not affect my liability with respect to previous balances, and I will still be responsible for paying any outstanding balance or other amounts I owe Guardian Angel Loan according to the terms of this Agreement. Guardian Angel Loan specifically reserves the right to close my current Guardian Angel Loan Account based on the delinquency of any of my previous Guardian Angel Loan Accounts. Only one Guardian Angel Loan account will be granted per consumer with no authorized users.
    GOVERNING LAW, ENFORCEABILITY.  I understand that this Agreement is governed by and construed in accordance with the laws of the United States. To the extent state law applies to this Agreement, this Agreement will be governed by the laws of the state of Alabama. Any credit extended to me by Guardian Angel Loan is extended in and from Alabama, regardless of where I reside or use my account. I agree that if a dispute arises and I file suit against Guardian Angel Loan, service of process on Guardian Angel Loan may be made only at Guardian Angel Loan’s Registered Agent in Alabama. If any part of this Agreement becomes unenforceable, it will not make any other part of this Agreement unenforceable.
    RESERVATION OF RIGHTS.  Guardian Angel Loan reserves the right not to assess part or all of any fee or other amounts, or not to exercise any other of its rights pursuant to this Agreement, and, by doing so, Guardian Angel Loan will not have waived its right to assess such fee or other amounts or exercise other rights pursuant to this Agreement in the future.
    CREDIT REPORTING, INACCURATE INFORMATION.  I hereby authorize Guardian Angel Loan at its discretion to furnish information concerning my Loan Account to consumer reporting agencies and others who may properly receive such information. I may provide written notification to Guardian Angel Loan, Guardian Angel Loan 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL  36606 Attention: Dispute Department if I believe Guardian Angel Loan has information about me that is inaccurate, or that Guardian Angel Loan has reported or may report to a consumer reporting agency information about me that is inaccurate.
    ASSIGNMENT.  I may not sell, assign, or transfer my Loan Account. Guardian Angel Loan may assign my open Loan Account under this Agreement without prior notice to me.
    USE OF ACCOUNT.  I understand and agree that I may use my Loan Account only for personal, family and household purposes, and I may not use my Loan Account for any illegal purpose.  
    CHANGE OF RESIDENCE.  If I move, I agree to promptly notify Guardian Angel Loan of my new address.
    PRESERVATION OF CLAIMS AND DEFENSES.  NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE LENDER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE BORROWER SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
    TELEPHONE MONITORING AND RECORDING.  Guardian Angel Loan treats all customer calls as confidential per Guardian Angel Loan’s Privacy Policy. I agree that my telephone conversations with representatives of Guardian Angel Loan may be monitored and/or recorded for quality assurance purposes, unless, at the commencement of each telephone conversation, I advise the Guardian Angel Loan representative that I do not wish the call to be monitored and/or recorded.
    NEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable law, they may be void, unenforceable or inapplicable in some jurisdictions.
    None of these provisions are void, unenforceable or inapplicable within New Jersey.
    PART II-LOAN ACCOUNTS 
    1. MONTHLY PAYMENTS.  Each month, I agree to pay at least the Minimum Due shown on my monthly billing statement no later than the payment Due Date shown on the monthly billing statement. The Minimum Due is the sum of (i) the Current Due, calculated as shown under Part II, paragraph 2 below ("MINIMUM MONTHLY PAYMENTS"), which includes any "Other Charges," and (ii) any Past Due amount. I may at any time pay more than the Minimum Due, or pay off my entire Loan Account balance in full without incurring any additional charge. All payments must be mailed or delivered to Guardian Angel Loan at the address shown on my monthly billing statement. No cash will be accepted. If any payment does not conform to these requirements, the payment may not be credited to my Loan Account for up to five (5) days, or may be rejected. Any payment received by Guardian Angel Loan after 5 PM CST on any business day will be credited to my Loan Account on the next business day.
    2. MINIMUM MONTHLY PAYMENTS.  The Current Due each month will be calculated based on the purchases made prior to the end of each month with a minimum payment of $30.00 or balance of account if less.
    3. SPECIAL PAYMENT OPTIONS.  From time to time Guardian Angel Loan may permit me the flexibility to skip one or more payments or take advantage of other options Guardian Angel Loan may make available. Guardian Angel Loan will provide me details of these special programs at the time they are offered.
    4. CREDIT LIMIT.  I agree that Guardian Angel Loan will establish a Loan Line for this account and that this Loan Line will be the maximum amount upon which I may defer payment, subject to the Minimum Monthly Payment calculation described in Part II, paragraph 2 above ("MINIMUM MONTHLY PAYMENTS"). I agree that any purchases and Other Charges which cause my Current Balance to exceed my Loan Line shall be due and payable by the payment Due Date specified on the billing statement identifying such charges and that Guardian Angel Loan shall include such amount in the Current Due and Minimum Due for that billing period as described in Part Il paragraph 2 above. I will be advised of my initial Loan Line at the time I open my Loan Account. I agree that Guardian Angel Loan has the right to suspend or cancel my Loan Account under the terms of this Agreement. Guardian Angel Loan will identify any subsequent changes to my Loan Line on my periodic billing statements.
    5. DEFAULT.  Guardian Angel Loan may, at its option, declare me to be in default if I fail to comply with any provision of this Agreement, including failing to make a required payment when due or exceeding my Loan Account credit limit, or if I file for bankruptcy or am otherwise insolvent, or if Guardian Angel Loan determines, in its sole discretion, that the prospect of payment on my Loan Account has become significantly impaired. If I am in default, (a) Guardian Angel Loan may require that I pay the entire balance on my  account immediately, at any time (subject to any restrictions under applicable law), even though Guardian Angel Loan did not require me to pay the entire balance on any previous occasion when I was in default, and (b) I  will pay all collection costs, including reasonable attorneys’ fees and court costs, if Guardian Angel Loan refers my Loan Account for collection to an attorney other than a salaried employee of Guardian Angel Loan or the  holder of the account, to the extent not prohibited by applicable law.
    Part III-CONSUMER DISCLOSURE STATEMENTS
    BILLING RIGHTS NOTICE - KEEP THIS NOTICE FOR FUTURE USE.  This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
    NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL. If you think a bill is wrong, or if you need more information about a transaction on your bill, write to us (on a separate sheet) at 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL 36606. Attention Dispute Department. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
    In your letter, give us the following information:
    · Your name and Account number.
    · The dollar amount of the suspected error.
    · Describe the error and explain, if you can, why you believe there is an error.
    · If you need more information describe the item you are not sure about.
    If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.
    YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE. We must acknowledge your letter within 30 days, unless the error has been corrected by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.
    After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.
    If we find that we made a mistake on your bill, you will not have to pay any penalties related to any questioned amount. If we did not make a mistake, you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
    If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is settled.
    Part IV- Guardian Angel Loan PRIVACY POLICY
    Guardian Angel Loan understands that your trust in us is our most important asset. In order to preserve that trust, we want you to understand our information practices and your rights to ask us not to share certain information about you. This policy applies with respect to all financial products and services we offer for consumer purposes.
    Type of Information We Collect and Disclose
    We collect information about people as described below. Some of this is called "Nonpublic Personal Information," which generally means information that is provided by you, obtained by us, or that results from your transactions with us. It does not include information available to the general public. We collect this information from the following sources (examples under each source are not necessarily a complete list):
    Application Information: This is information we receive from you on applications and/or other forms, by phone, and online. It includes your name, address, telephone number, social security number, date of birth, and banking information. Application Information may be disclosed as described below.
    Transaction Information: This is information about your transactions with us, our affiliates, or others. It includes your payment history, information necessary for billing and payment, and purchase information. Transaction Information may be disclosed as described below.
    Web Site Information: This is information we receive from your computer when you visit our Website; including the Web site you visited before ours, your Internet e-mail address and operating system, and statistical information on Web traffic and usage patterns. We also store "cookies" on your computer to save information entered during your prior visits to our Website. We collect technical data, such as your Internet protocol (IP) address, operating system, and session ID. Web Site Information may be disclosed as described below.
    Parthom We Disclose Information
    Nonpublic Personal Indemnifies to Information about you and our former customers may be disclosed to others as permitted by law. Generally, this includes disclosures to third parties that are necessary to effect, administer or enforce your transaction with us, or in connection with servicing our ongoing customer relations. These parties may include our group of affiliated companies, or their employees, agents or representatives, courts and governmental agencies, outside lending or financial institutions, billing service providers, mail and telephone service companies, attorneys or other professionals, and third parties. Guardian Angel Loan reserves the right to disclose or sell your personal information about you to the following types of nonaffiliated third parties:
    Nonaffiliated financial service providers, such as banks, financing companies, and credit card companies
    Non-financial companies such as third party and unrelated marketing companies, and other companies seeking to independently market their products and services which may have an interest in your Nonpublic Personal Information.
    We may also disclose Application Information, Transaction Information, and Web Site information about you and our former customers to companies that perform marketing services on our behalf or to financial institutions with whom we have joint marketing agreements. We are required to, or we may, provide information about you to third parties without your consent, as permitted by law. For example:
    To respond to a subpoena or court order, judicial process or regulatory authorities;
    To consumer reporting agencies;
    In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or operating unit;
    To protect against fraud, and insure confidentiality and security;
    To assist or be part of a proposed or actual securitization, secondary marketing sale, or similar transaction related to a transaction of the consumer; or
    To collection agencies, attorneys, and other entities that assist us in enforcing and collecting the debt.
    Confidentiality & Security
    We restrict access to Nonpublic Personal Information about you to those employees and other parties who must use that information to provide products or services to you. Their right to further disclose and use the information is limited by applicable law, and nondisclosure agreements, where appropriate. We also maintain physical, electronic, and procedural safeguards in compliance with applicable laws and regulations to guard your Nonpublic Personal Information.
    Opt Out Rights (to limit our sharing)
    If you do not want your Nonpublic Personal Information disclosed to affiliated or nonaffiliated third parties, you may "opt out" of those disclosures, meaning that you may tell us not to make those disclosures (other than disclosures that are permitted by law even if you opt out). If you opt out, we will not disclose this information to such third parties to independently market products or services to you, but we may include their offers in billing statements and other routine communications that we send to you in connection with servicing your business relationship with us.
    Please note: If you are a new customer, we can begin sharing your information 30 days from the date that we send this notice. When you are no longer a customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
    To opt out, simply fill out, detach and mail the form at the bottom of this page to the address listed. An opt out election by you or others who maintain a relationship with our Company will be effective for all persons that your relationship relates to. Once you opt out, there is no need to do so again for the same business relationship. Questions? You may also want to visit our website at www@guardianangelloan.com or give us a call at 860-800-5811 if you need additional information.
    Information for Vermont, California and Nevada Customers: In response to a Vermont regulation, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties. And if we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you. In response to a California law, with certain exceptions, residents of the State of California may request (a) disclosure of personal information collected, (b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Guardian Angel Loan will not discriminate based on your exercise of such rights. If you want to make any such requests, please contact us through our website (www.guardianangelloan.com) or at Guardian Angel Loan, Privacy Policy, 851 East I-65 Service Road 10th Floor Suite 1080 Mobile, AL  36606, or call 860-800-5811 For all mailed requests, you must put the statement "California Privacy Request" in the body of your request, as well as your name, street address, city, state, and zip code. In response to Alabama law, we are providing you this notice. You may be placed on our internal Do Not Call List by following the directions set forth above. Alabama law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Alabama Attorney General, 501 Washington Ave., Montgomery, AL  36104; Phone number: 1-800-392-5658 or 334-242-7335.  To further restrict sharing with affiliates as described in this notice, you can fill in and return the form here.