Welcome to titlemax.com. Please review the following basic rules that govern your use of our Site and also read our Privacy Policy regarding the information that you provide to us. Please note that your use of our Site constitutes your agreement to follow and be bound by those rules. If you visit titlemax.com, you accept these conditions. Accessing, browsing or otherwise using the site indicates your agreement to all the terms and conditions in this agreement, so please read the agreement carefully before proceeding.We may from time to time change the rules that govern your use of our Site. Your use of our Site following any such change constitutes your agreement to follow and be bound by the rules as changed. We may change, move or delete portions of, or may add to, our Site from time to time.

Privacy
Please review our Privacy Policy (which also governs your visit to titlemax.com) to understand our practices.

Electronic Communications
When you visit titlemax.com or send emails to us, you are communicating with us electronically, you consent to receive communications from us electronically. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that we may send email to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate.

Copyrights
All content included on this Site, including images, illustrations, designs, icons, photographs, video clips, audio clips, logos, button icons, software, written materials and other materials (collectively, the “Contents”) are the property of TMX Finance, LLC. (“TMX”), a Delaware Limited Liability Company, or its content suppliers and are protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Contents on this Site is the exclusive property of TMX and is protected by U.S. and International copyright laws. All software used on this Site is the property of TMX or its software suppliers and is protected by U.S. and International copyright laws. The Contents and software on this Site may be used solely for informational purposes. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the Contents or software on this Site is strictly prohibited. The Contents of our Site, and the Site as a whole, are intended solely for personal use by the users of our Site. You may download or copy the Contents and other downloadable materials displayed on the Site for your personal use only. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the Contents, the Site, or any related software.

Trademarks
TMX and certain other marks and logos displayed on the web site are registered and common law trademarks of TMX Finance, LLC in the United States and other countries. The trademarks may not be used in connection with any product or service that is not authorized in writing by TMX Finance, LLCTMX, in any manner. All other trademarks that appear on this site are the property of their respective owners, who are not affiliated with, or sponsored by us or our affiliates.

User Comments, Feedback, Postcards and Other Submissions All comments, feedback, suggestions, ideas, and other submissions disclosed, submitted or offered to TMX on or by this Site or otherwise disclosed, submitted or offered in connection with your use of this Site (collectively, “Comments”) shall be and remain TMX property. Such disclosure, submission or offer of any Comments shall constitute an assignment to TMX of all worldwide right, title and interest in and to all copyrights and other intellectual property rights in the Comments. Thus, TMX will own exclusively all such right, title and interest and shall not be limited in any way in its use, commercial or otherwise, of any Comments.

Links to Other Web Sites and Services
This Site contains links to outside services and resources, the availability and content of which TMX does not control. We are not responsible for examining or evaluating, and we do not warrant the offering of these businesses or individuals or the content of their web sites. TMX does not assume any responsibility or liability for the actions, products, and content of these and any other third parties. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

Disclaimer of Warranties and Limitation of Liability THIS SITE IS PROVIDED BY TMX ON AN “AS IS” BASIS. TMX MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE, OR THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS, INCLUDED ON THIS SITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, TMX DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY; NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF OUR SITE, AND THAT TMX DOES NOT WARRANT THAT THIS SITE, ITS SERVERS OR EMAIL SENT FROM TMX ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. TMX WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL PUNITIVE AND CONSEQUENTIAL DAMAGES. CERTAIN STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Applicable Law
This Site is created and controlled by TMX in the State of Georgia, USA. As such, the laws of the State of Georgia will govern these disclaimers, terms and conditions, as well as all sales of products and other transactions effected through this Site and any disputes relating thereto without giving effect to any principles of conflicts of laws. We reserve the right to make changes to our Site and these disclaimers, terms and conditions at any time.

Indemnification
You agree to defend, indemnify and hold TMX harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your use of the Site.

Disputes
This Site is controlled and operated by TMX from its offices in Savannah, Georgia. Any dispute arising under this Agreement shall be resolved exclusively by the state and federal courts of the State of Georgia, Chatham County and/or the City of Savannah.

License and Site Access
Unless otherwise specified, this Site and the Contents thereof are displayed solely for the purpose of promoting and selling TMX products and services available in the United States and select foreign markets. TMX grants you a limited license to access and make personal use of this Site pursuant to the terms and conditions stated herein. This license does not include any resale or commercial use of this Site or its Contents; and collection and use of any product or service listings, descriptions, or prices; and derivative use of this Site or its Contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information of TMX without express written consent. You may not use any meta tags or any other hidden text utilizing TMX’ name or trademarks without the express written consent of TMX. Any unauthorized use terminates the permission or license granted by TMX. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of TMX so long as the link does not portray TMX, or its product or services in a false, misleading, derogatory, or otherwise offensive manner. You may not use any TMX logo or other proprietary graphic or trademark as part of the link without express written permission. You shall not upload to, distribute, or otherwise publish through this Site any Content, information, or other material that (a) violates or infringes the copyrights, patents, trademarks, service marks, trade secrets, or other proprietary rights of any person; (b) is libelous, threatening, defamatory, obscene, indecent, pornographic, or could give rise to any civil or criminal liability under U.S. or international law; or (c) includes any bugs, viruses, worms, trap doors, Trojan horses or other harmful code or properties. TMX may assign you a customer extranet username and password to enable you to access and use certain portions of this Site and customer-specific project deliverables. Each time you use a password or identification, you will be deemed to be authorized to access and use the Site in a manner consistent with the terms and conditions of this Agreement, and TMX has no obligation to investigate the authorization or source of any such access or use of the Site. YOU WILL BE SOLELY RESPONSIBLE FOR ALL ACCESS TO AND USE OF THIS SITE BY ANYONE USING THE PASSWORD AND IDENTIFICATION ORIGINALLY ASSIGNED TO YOU WHETHER OR NOT SUCH ACCESS TO AND USE OF THIS SITE IS ACTUALLY AUTHORIZED BY YOU, INCLUDING WITHOUT LIMITATION, ALL COMMUNICATIONS AND TRANSMISSIONS AND ALL OBLIGATIONS (INCLUDING WITHOUT LIMITATION FINANCIAL OBLIGATIONS) INCURRED THROUGH SUCH ACCESS OR USE. You are solely responsible for protecting the security and confidentiality of the password and identification assigned to you. You shall immediately notify TMX of any unauthorized use of your password or identification or any other breach or threatened breach of this Site’s security.

Termination
This Agreement is effective unless and until terminated by TMX. TMX may terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Site, if in TMX’ sole discretion you fail to comply with any term or provision of this Agreement. Upon any termination of this Agreement by TMX, you must promptly destroy all materials downloaded or otherwise obtained from this Site, as well as all copies of such materials, whether made under the terms and conditions of this Agreement or otherwise.

International Access
This Site may be accessed from countries other than the United States. This Site may contain products and services or references to products and services, which are not available outside of the United States. Any such references do not imply that such products will be made available outside the United States. If you access and use this Site outside the United States you are responsible for complying with your local laws and regulations.

Licenses
TitleMax of Virginia, Inc. d/b/a is licensed by the Virginia State Corporation Commission, license number VTL-11.

Texas OCCC Notice and Fee Schedule

Schedule of All Fees.  Schedule of all fees to be charged for services performed by the credit access business in connection with motor vehicle title loans, as applicable in the following examples:

Auto Title Loan –Single Payment

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Auto Title Loan –Multi-Payment*

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*Loans are payable in a single payment due 180 days after origination.  In addition to the loan payment, CSO payments are due in six equal installments 30 days apart, beginning 30 days after origination and ending on the loan maturity date.  On a $500 loan, five CSO fee payments of $79.90 will be followed by a combined loan/CSO fee payment of $639.05.  On a $1,000 loan, five CSO fee payments of $144.52 will be followed by a combined loan/CSO fee payment of $1,228.19.  On a $2,000 loan, five CSO fee payments of $264.09 will be followed by a combined loan/CSO fee payment of $2,396.83

Other Fees: If you default, you may incur charges, costs, fees and expenses, including all collection costs and reasonable attorneys’ fees incurred or paid in exercising any right, power or remedy related to nonpayment, repossession, or sale of the vehicle.

Office of Consumer Credit Commissioner: This business is licensed and regulated by the State of Texas – Office of Consumer Credit Commissioner (“OCCC”).  Call the Consumer Credit Hotline or write for credit information or assistance with credit problems:
Office of Consumer Credit Commissioner
2601 North Lamar Boulevard
Austin, Texas  78705-4207
Toll free: (800) 538-1579
Local: (512) 936-7600
Email: consumer.complaints@occc.state.tx.us
Website: http://www.occc.state.tx.us

OCCC Notice: An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.