Please read this E-Signature Disclosure and Consent ...
Please read this E-Signature Disclosure and Consent carefully and keep a copy for your records.
The words "we," "us," "our", "Mariner", and "Pioneer" refer to Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries, and the words "you", "your" and "yours" means each person in whose name the loan with Mariner or Pioneer is maintained. "Communication" means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, monthly statements, privacy policies and all other information related to your loan, or to the Online Account (as defined in the Consumer Online Agreement) services we offer, including, but not limited to, information that we are required by law to provide to you in writing.
What Communications will be provided to You in Electronic Format. You agree that we may provide you with all disclosures and notices required by law or the Automated Clearing House System in connection with your loans with Mariner or Pioneer, and the Online Account financial services offered by Mariner or Pioneer, including Communications in electronic format. Your consent to receive electronic Communications and transactions includes, but is not limited to, our privacy policies and notices.
How to Withdraw Your Consent. To withdraw your consent, you may contact us in any of the ways described in the next paragraph. We will not impose any fee to process the withdrawal of your consent, but your access and use of the Online Account service will be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.
System Requirements to Access Online Account. To be able to access, view, and retain electronic Communications that we make available to you, you must have the following equipment and software:
? A personal computer or other device that is capable of accessing the Internet. ? An Internet web browser that is capable of supporting 128-bit SSL encrypted communications, with cookies and java script enabled, such as
Google Chrome, Microsoft Internet Explorer 9+ or Mozilla Firefox.
? Software that permits you to receive and access Portable Document Format or "PDF" files, such as Adobe Acrobat Reader version 8.0 or
higher. To verify that your system/device has the necessary software to permit you to receive and access PDF files, a copy of this E-Sign Agreement is available by choosing the print option just below the Agreement.
? An email account with an Internet service provider and email software to permit you to participate in the Online Account. ? To retain a copy of electronic account information your device must have the ability to print, download and store PDF files. ? Sufficient electronic storage capacity on your computer's hard drive or other data storage unit.
You will be notified if there are any significant changes in system requirements in order to confirm that you still meet the minimum system requirements to access the Online Account and to receive Communications in an electronic format.
Requesting Paper Delivery of Disclosures and Notices. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy. To receive a paper copy at no charge, please request it in one of the following ways:
? Send an email message with your name and mailing address to websupport@ and websupport@. ? Call the Mariner Finance LLC Corporate Offices at 443-438-2056 ? Send a letter to: 8211 Town Center Dr.
Nottingham, MD 21236 Attn: Customer Relations
Be sure to request the specific Communication you want in a paper format.
No Fees for Electronic Communications. There is no charge for electronic delivery of the Communications.
Communications in Writing. All Communication in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.
Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal E-Signature Act, and that you and we both intend that the E-Signature Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
Please read this Consumer Online Agreement carefully and keep a copy for your records.
Mariner Finance LLC Consumer Online Agreement
This Consumer Online Agreement ("Agreement") contains the terms and conditions governing certain online services ("Online Account") offered by Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries. Checking the box entitled, "I have reviewed and agree with the Agreement listed above" and proceeding to use the Online Account is your agreement to these terms and conditions. This Agreement is governed by and interpreted in accordance with federal law and regulation and, to the extent not preempted by federal law, by the internal laws of the State of Maryland. The words "our," "we," "us," "Mariner" and "Pioneer" refer to Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries. The words "you," "your," and "yours" means each person in whose name the loan account with us is maintained.
1. Enrolling in Online Account
You must have a Mariner or Pioneer loan account to enroll in an Online Account using a personal computer with access to our websites at or
You will select an initial Online Account password. Do not use numbers that are easily associated with you, such as your telephone number, address or birth date as your password. You are responsible for the safekeeping of your password. You agree not to disclose or otherwise make available your password to anyone. We recommend that you change your password regularly. You authorize us to act on instructions received under your password.
In addition, you must have the electronic equipment and the required Internet secure browser software as defined by us. You must maintain at your expense all Internet connections, browsers, hardware and software necessary to access the Online Account. You are solely responsible for installing appropriate software, including but not limited to, anti-virus software, anti-spyware, and firewalls on your computer hardware to prevent key logging and/or other intrusions that may allow a third party to unlawfully view activity on your computer. You are responsible for any telephone/DSL/Internet charges incurred for accessing your accounts through the Online Account.
2. Online Account Services
You may use Online Account to make payments to your loan accounts selected for Online Account.
You may authorize loan payments on your Mariner or Pioneer loan through the Online Account 24 hours per day. When you authorize a loan payment through the Online Account, you are authorizing us to electronically charge (or debit) your checking or savings account (deposit account) for the amount you submit. You must complete a separate authorization for each payment. You are not required to make payments through the Online Account. You authorize us to electronically credit your deposit account to correct any errors.
Payment authorizations we receive before our cut off time on a business day will be posted to your loan the same business day. Our business days are Monday through Friday excluding holidays we observe. Our cut off time is 9:00 PM.
We treat any payment authorization made by you through the Online Account that we receive on a legal holiday or on a Saturday or Sunday or after 9:00 PM on a business day as if we had received it on or after 8:00 AM the following business day. In the event of an erroneous debit, you authorize us to initiate a transfer to or from the deposit account to correct the error. In the event any debit is unsuccessful, you authorize us to attempt such debit up to 2 additional times. You understand that unsuccessful debits may result in charges by the bank that holds the deposit account and you agree that we are not liable for such charges.
Posted payments may be reversed due to insufficient funds, stop payment orders or other reasons.
3. Stopping Payments
You may stop a loan payment if you provide the stop payment order to your financial institution at such time and in such manner as to allow your financial institution a reasonable opportunity to act upon the stop payment order prior to acting on the debit entry. Any stop payment order must be made in accordance with the procedures required by your financial institution.
4. New Services
We may, from time to time, offer or introduce new financial services through the Online Account. By using these services, you agree to be bound by any rules concerning these services.
5. Protecting Your Online Account
Notify us at once if you believe another person has improperly obtained your Online Account password or if you suspect any fraudulent activity on your Online Account. You may notify us by calling us at 443-438-2056 Monday through Friday during the hours of 9:00 AM to 5:00 PM.
You may also email us at websupport@ or websupport@. Be sure to include your email address.
If you find that your records do not agree with ours, you must immediately call us at 443-438-2056.
6. Fees
In some states, we charge a convenience fee each time you authorize us to electronically charge your deposit account for a loan payment. Any fee that we charge for facilitating electronic payments will be disclosed on the Loan Payment Authorization form you complete. Please note that fees also may be assessed by your Internet Service Provider (ISP) or financial institution.
7. Automatic Draft Authorization for Recurring Payment Election
If I elect recurring automatic payments from my personal account, I authorize Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries to initiate scheduled debit and credit entries on the account at the financial institution provided to pay my loan. I understand that the amount of the debit has to be equal to my required minimum monthly payment or higher. I agree that it may take up to 30 calendar days to process and initiate this payment method for my loan. I agree that this payment authorization is further subject to terms of the Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries Account Agreement & Disclosures, including the
Electronic Funds Transfer section thereof, and that Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries may assess one or more fees for returned items.
A payment in the amount you requested will be automatically deducted from your designated bank account on your payment due date each billing cycle. We may reduce your automatic payment amount when non-automatic payments or credits have been received prior to that billing cycle's payment due date. Changes made to your payment type or amount or banking information must be received by Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries at least three business days prior to the payment due date. Automatic payments will be credited as of your payment due date.
Your automatic payments will continue until you cancel automatic payments or close your account with a zero balance. We may cancel your automatic payment enrollment if any automatic payment is returned unpaid by your financial institution. We may also cancel the automatic payment service for any reason and will notify you if we do. The automatic payment amount will only be reduced or canceled to avoid creating a credit balance on the account.
You have the right to stop payment of preauthorized transfers from your account, by notifying Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries, orally or in writing at any time up to three business days before the scheduled date of the transfer. If the debit item is resubmitted, Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries must continue to honor the stoppayment order.
Further, I understand and agree that if my account at the depository financial institution provided does not have sufficient funds to make my loan payment, Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries will not be responsible or liable for any penalties or charges assessed by any other financial institution as a result of such insufficiency. I acknowledge that, in the event Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries additional attempt to collect my payment via EFT-ACH are unsuccessful, I must make my loan payment by other means. I understand that Mariner Finance, LLC, Pioneer Credit Company and their affiliates and subsidiaries will assess a fee to my loan(s), in addition to any other fees and/or charges, as a result my account at the depository financial institution listed below having insufficient funds.
8. Your Promise and Indemnity
You promise that the checking or savings account from which you authorize us to debit loan payments belongs to you and that you are authorized to instruct us to debit the account. You shall indemnify us against and hold us harmless from and reimburse us for all claims, demands, losses, liabilities or expenses (including attorney's fees and expenses) resulting from or arising out of debiting any payment from the account of any person or entity in accordance with your instructions.
9. Our Liability
Except as specifically provided for in this Agreement or where the law requires a different standard, you agree that we are not responsible for any loss, property damage or bodily injury, whether caused by our, equipment, software, or any of our agents or subcontractors. We are not responsible for any direct, indirect, special or consequential, economic or other damages arising in any way from the installation, use or maintenance of the equipment, software or Internet browser or access software. We are not responsible for any loss, damage or injury resulting from an interruption in your electrical power or telephone service; the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality; or any defect or malfunction of your computer, modem, or telephone line. We are not responsible for any services relating to your computer other than those specified in this Agreement. If any equipment failure occurs in any way relating to your computer, modem, or telephone line, we are not responsible.
10. Changes to Fees or Other Terms
We reserve the right to change any term or condition described in this Agreement at any time. If required by law, we will give you prior notice of such changes. Such changes shall be effective as specified in our notice of change. By maintaining your Online Account after the effective date of the change, you evidence your agreement to the change.
11. Notices
You agree that we may deliver any future notices and information required by law or regulation to be provided to you pertaining to the Online Account (collectively, Notices) electronically by posting such Notices or a link to such Notices on our website or by sending such Notices to the email address that you have provided to us. You agree to promptly notify us of any change in your email address.
12. Use of Eastern Time
In this Agreement, all references to specific times are deemed to be Eastern Standard or Daylight Savings Time, as applicable.
13. Other General Terms
You agree to be bound by and will comply with the requirements of your loan documents, the rules and regulations of any funds transfer system in which we participate, and all applicable State and Federal laws and regulations. We reserve the right to terminate this Agreement and your access to the Online Account without prior notice.
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