Terms and Conditions

TERMS OF USE AND AGREEMENT

Before using this site, please carefully read these terms of use, as well as our Privacy Policy. By accessing our site(s) on the Internet (the "Site"), you indicate your acknowledgment and acceptance of these terms. Tower Loan maintains the site to provide you with information about Tower Loan products and services, and facilitate communication with Tower Loan and its related companies. We may occasionally revise these terms.

PRIVACY STATEMENT

Tower Loan collects information in several ways from different parts of our website. Some personal information is gathered such as names and addresses for the purposes of contacting people interested in applying for employment positions. This information is not distributed outside of the company nor does the company maintain this information for any later mailings. In addition, we gather nonpublic personal information for those people interested in making loan inquiries. This information includes your address, telephone number, employment information and other relevant information. Please refer to our Borrower’s Privacy Policy for further detail as to Tower Loan’s information sharing practices and Privacy Policy of its customers.

IMPORTANT DISCLAIMER AND LEGAL INFORMATION

Tower Loan does not represent or endorse the accuracy or reliability of any of the information, content or advertisements (collectively, the "Materials") contained on, distributed through, or linked, downloaded or accessed from any of the services contained on this website (the "Service"), nor the quality of any products, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Service. You hereby acknowledge that any reliance upon any Materials shall be at your sole risk. Tower Loan reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in any portion of the Service or the Materials. We use our best efforts to include up-to date and accurate information on this website

THE SERVICE AND THE MATERIALS ARE PROVIDED BY TOWER LOAN ON AN "AS IS" BASIS, AND TOWER LOAN EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY MATERIALS AND PRODUCTS. IN NO EVENT SHALL TOWER LOAN BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE, THE MATERIALS AND THE PRODUCTS.

Tower Loan encourages you to exercise discretion while browsing the Internet using this website. Tower Loan makes no representations concerning any endeavor to review the content of any website sites listed in the website or any of the Materials, and so Tower Loan isn't responsible for the accuracy, copyright compliance, legality or decency of material contained in sites listed in the website links or in the Materials. Tower Loan respects the rights (including the intellectual property rights) of others, and we ask our users to do the same.

TEXT MESSAGE POLICY

By providing your cell phone number, you have provided Tower Loan with consent to send you text messages in conjunction with the services you have requested.

  • Message frequency varies by account/preference. Message and data rates may apply.
  • To opt-out, text STOP to 23966. An opt-out confirmation message will be sent back to you.
  • To request support, text HELP to 23966 or email us at statement@towerloan.com.

MMS- If your phone doesn’t support MMS, you’ll receive SMS instead.

Mobile information will not be shared with any third parties for marketing or promotional purposes.

By providing us with your mobile number and opting-in, you give Tower Loan and its affiliated companies permission to send you account-related text messages, like payment reminders and notifications, as well as promotional messages, like special offers and discounts, in conjunction with the services you have requested.

SUPPORTED CARRIERS

This program is supported by Alltel, AT&T, Boost, Spring, Verizon Wireless, Virgin Mobile, MetroPCS, T-Mobile and U.S. Cellular.  Carriers are not liable for delayed or undeliverable messages.  Products & Services are compatible with AT&T handsets.

TRADEMARK INFORMATION

Tower Loan, the Tower Loan logo, the phrase “Tower Loan is the place that says Yes!”, the Tower Loan design, and other Tower Loan logos and product and service names are trademarks of Tower Loan.

TOWER LOAN LENDING AREAS

Because consumer finance laws vary from state to state, not all of the products or services described on the website are available in all geographic areas. You may not be eligible for all the products or services described. Loan eligibility is determined according to our loan underwriting policies. Tower Loan reserves the right to determine the eligibility for any product or service. Additionally, Tower Loan is licensed to lend in the states of Alabama, Illinois, Louisiana, Texas, Mississippi and Missouri. Any loan inquiries found to be outside of the Tower Loan lending area will not be processed.

ARBITRATION; GOVERNING LAW; DISPUTE FORUM

Any controversy or claim arising out of or relating to this website, or your use thereof, including issues of privacy, if they cannot be settled through good faith negotiation between the parties, shall be settled by Arbitration administered under the rules of the Federal Arbitration Act and judgment on the award rendered by the arbitrators (s) may be entered in any court having jurisdiction thereof. By using this website, you agree to waive your right to a jury trial of any disputes, including those relating to privacy. You agree that your use of this site shall be governed and any disputes, including those relating to privacy, shall be governed by the laws of the State of Mississippi. You further agree that jurisdiction and venue shall be located, and any arbitration shall be held, in Rankin County, Mississippi.

PATRIOT ACT DISCLOSURE - IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.