Terms and Conditions

These Terms of Service (the “Agreement”) govern the use of the website and Services (as defined herein) provided by Rent To Credit Inc. By accessing our website and Services, you hereby accept and agree to be bound by this Agreement (as may be amended from time to time). If you do not agree and consent to this Agreement, please do not use or access our website or our Services. Please read the entire Agreement.

References to “you”, “your”, and “user” mean any person using our website or Services. Unless stated otherwise, “Rent to Credit” “we” and “our” refers to Rent to Credit Inc. Capitalized terms not otherwise defined have the definitions set forth herein.

This Agreement (and any other agreement that you agree to in connection with your use of the Services) constitutes the entire contract between you and Rent to Credit Inc and supersedes any oral or written representations that may be given at any time. You also agree to any other specific Terms of Use relating to use of any of our Services.

  1. General

    Service Provider. Rent to Credit Inc. provides Services relevant to renters, roommates, landlords, property managers, and others, including, without limitation, providing credit reporting and credit-related products.

Your Privacy. Maintaining the confidentiality of our Users is a top priority for us. Our Privacy Policy discusses our responsibilities with respect to your Information. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your Information. Our Privacy Policy is included at the end of our Terms of Service.

Modification of this Agreement. Rent to Credit Inc. may amend and/or revise this Agreement from time to time, in our sole discretion, by sending you written notice by electronic mail, by regular mail or by posting the updated terms on our website. Such modifications will become effective at the date or time provided in such notice but in no event earlier than twenty-four (24) hours following the earlier of receipt by you or the posting on our website at www.renttocredit.com. If you find the Agreement unacceptable to you at any time, please discontinue your use of the Services. Your use of the Services after we have made such changes available will be considered your consent and agreement to the change. Rent to Credit Inc. may, from time to time, introduce new features to the Services or modify or delete existing features in our sole discretion. Rent to Credit Inc. shall notify you of any of these changes to features if we are legally bound to do so. By using any new or modified features when they become available, you agree to be bound by the rules concerning those features.

Eligibility. To be eligible to use our Services, you must be an individual at least 18 years old that is able to form legally binding contracts under applicable law and a resident of the United States with a postal mailing address in the United States. All Users must be human (i.e., no machines, scripts or automated services may be used to access or use the Services).

Identity Authentication. To help the government fight terrorism and money laundering activities, we obtain, verify and sometimes store personal information. You authorize Rent to Credit Inc., directly and through third parties, to make any inquiries we consider necessary to verify your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial account and verifying your information against third party databases or through other sources. If we cannot verify your information to the extent we deem necessary, we may not be able to allow you to use the Services.

Restricted Activities. In connection with your use of our website and our Services, or in the course of your interactions with Rent to Credit Inc. or a third party through Rent to Credit Inc. , you agree that you will not:
Activate multiple registrations without prior consent by Rent to Credit Inc., whether such registration was completed fraudulently, falsely or unlawfully, or by legitimate and lawful means such as the use of alternate but valid names, different contact information, separate bank-account numbers and other pertinent data. Undertake any fraud, intentional or negligent misrepresentation or any unlawful act relating to the use of Rent to Credit Inc’s website or Services or otherwise provide false, accurate or misleading information or otherwise participate in a fraudulent transaction, including, without limitation, providing payment source information that you have not been authorized to provide or use.

Breach of this Agreement or any other agreement that you have entered into with Rent to Credit Inc. (including any policy to which you become subject) Violate any law, statute, ordinance or regulation in connection with your use of the Services or access of our website, Infringe Rent to Credit Inc.’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights or rights of publicity or privacy, Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us, Interfere with or damage our Services, including, without limitation, through the use of any viruses, Trojan horses, worms, cancel bots, harmful code, flood pings, denial of service attacks, packet or IP spoofing, forged routing or electronic mail address information or other computer programming routines, methods or technology that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information.

Notices to You. You agree that Rent to Credit Inc. may provide notice to you by posting it on our website, emailing it to the email address listed in your account or mailing it to the street address listed in your account. Such notice shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered. If the notice is sent by mail, we will consider it to have been received by you three (3) Business Days after it is sent. You also consent to allow Rent to Credit Inc. to respond to any inquiries by e-mail regardless of the format of the original inquiry. You may request a paper copy of any legally required disclosures, and you may terminate your consent to receive required disclosures through electronic communications by contacting Rent to Credit Inc. Rent to Credit Inc. reserves the right to close your account if you withdraw your consent to receive electronic communications. You further agree to the Electronic Signature and Uniform Electronic Transactions Act Disclosure and Consent Agreement provided herein, which is incorporated herein.

Notices to Rent to Credit Inc. Except as otherwise expressly stated herein, notice to Rent to Credit Inc. must be sent by postal mail to: Rent to Credit Inc,

Termination by Rent to Credit Inc. We, in our sole discretion, reserve the right to terminate this Agreement, access to our website or access to the Services or cancel your usage for any reason and at any time upon notice to you. If we close your account, terminate your use of our Services or cancel your ability to access the Services for any reason, we will provide you with notice of our actions. If we limit access to your account, we will provide you with notice of our actions and the opportunity to request restoration of access, if appropriate. An individual whose account is terminated or Services cancelled may be denied further access to the secure portion of our website and future use and enjoyment of the Services. Users will remain liable for all outstanding obligations to Rent to Credit Inc. under this Agreement even after any such termination.

  1. Credit Reporting Services

    Credit Reporting:Rent to Credit Inc. will report rent payments made by you to a credit reporting agency (a “CRA”), which in part is designed to assist parties in establishing a credit history and/or a credit score.

Once payments have been reported by Rent to Credit Inc. to a CRA, the reporting of those payments cannot be modified, amended or canceled.

To be eligible for reporting to a CRA, Rent to Credit Inc. will need to verify the existence of a valid written lease, including verifying that the User is listed as a lessee. Additionally, Rent to Credit Inc. will need to verify certain lease details with the landlord, i.e. the lease payment amounts due and due dates. If Rent to Credit Inc. is unable to verify any and all necessary information for reporting, Rent to Credit Inc. may not necessarily contact the User and will not be able to report the User’s payments to any CRA.

Notwithstanding the above, any party may dispute any entry on a credit report provided by Rent to Credit Inc. to a CRA. See Rent to Credit Inc. Credit Reporting Dispute Resolution Policy, which is incorporated herein and made a part hereof.

Rent to Credit Inc. is not responsible for how any CRA may manage or use the information provided to them by Rent to Credit Inc. and you agree to hold Rent to Credit Inc. harmless against any such claims (all subject to the Credit Reporting Dispute Resolution Policy and the Fair Credit Reporting Act). See such CRA for the terms and conditions of how they collect, store, manage, use, modify, disseminate and distribute such information. Once the information is transmitted from Rent to Credit Inc. to the CRA, that CRA will obtain an ownership interest in that data.

Potential Effect of Inconsistent or Termination of Credit Reporting. Once payment by a User for a particular bill or account has been reported to a CRA, the cessation of the reporting such bill or account (or the inconsistent reporting of such payments) to a CRA may negatively impact a User’s credit history, including the subsequent reporting of such bill or account following a period of no reporting on such bill or account, which may occur for a variety or reasons, including cessation of use of the Rent to Credit Inc.’s services. Rent to Credit Inc. shall not be liable for any claims, charges, demands, damages or adverse impacts on a User’s credit score or credit history if a User ceases using Rent to Credit Inc. rent payment services (or has inconsistent reporting).

III. Dispute of Credit Reporting Information by Client

Notice of Dispute: A User may dispute an entry on their credit report derived from information provided by Rent to Credit Inc. to a CRA by notifying Rent to Credit Inc. either by mail or by other means available to the User. The User shall provide the following information as part of any dispute of information provided by Rent to Credit Inc.: Name of consumer, Name of counter party (i.e. Landlord), A brief description of the disputed information, Address of User or other means for Rent to Credit Inc. to contact User with results of investigation, Investigation of Disputed Information.

Upon receipt of a notice of dispute from a User, Rent to Credit Inc. will, free of charge, conduct a reasonable investigation and make a determination of the status of the disputed information within three (3) Business Days of receipt of the notice of dispute from the User. The investigation shall include, but is not limited to, all relevant information provided by the User. The determination shall be one of the following three options: The dispute is frivolous or irrelevant and the information originally provided is accurate; The disputed information is inaccurate; or more information is necessary to make a final determination regarding the disputed information.

Notification of Determination.
Once a final determination has been made regarding the disputed information, Rent to Credit Inc. will notify the User for that purpose, by other means available to Rent to Credit Inc. within five (5) Business Days of the determination regarding the disputed information. If Rent to Credit Inc. determines that the dispute is frivolous or irrelevant, Rent to Credit Inc. shall notify the User by mail or, if authorized by the consumer for that purpose, by other means available to Rent to Credit Inc.. Said notice shall include:

The reasons for the determination; and Identification of any information required to investigate the disputed information. If Rent to Credit Inc. determines that the disputed information is inaccurate, Rent to Credit Inc. shall notify the User by mail or, if authorized by the consumer for that purpose, by other means available to Rent to Credit Inc. within five (5) Business Days of the determination and will promptly notify all credit reporting agencies (“CRA”) to which Rent to Credit Inc. provided said information and request that they delete or modify the information as appropriate.

If Rent to Credit Inc. determines that more information is necessary to complete its investigation, Rent to Credit Inc. will notify the User, and the User’s counterparty if necessary, and request additional information from them to help make a final determination as to the disputed information.

Additional Information Request. Upon receipt of the additional information, Rent to Credit Inc. shall make a final determination on the disputed information, considering all information provided by all parties, within thirty (30) days of receipt of the notice of dispute by Rent to Credit Inc. under this section. Notice of said determination shall be forwarded to the User as described above.

The User agrees that this agreement will be construed under and governed by the laws of the State of Missouri, with venue being St. Louis county, Missouri. Should legal action be required to enforce the terms of this Agreement, then the prevailing party will be entitled to its legal fees being included within any judgement or settlement.

Landlord or Property Manager: Rent to Credit Inc. is an independent company, which is not owned, operated or directed by User’s Landlord or Property Manager, henceforth known as Landlord. Landlord makes no warranties about said service, and shall not be liable for any acts or omissions which may violate any applicable provisions of the Federal Consumer Credit Protection Act (15 U.S.C. 1601 et seq), the Federal Fair Credit Reporting Act (including 15 U.S.C. SS 1681-1681t) Public Law 91-508, Federal Equal Credit Opportunity Act, Gramm-Leach-Bliley Act and any amendments to them, all state law counterparts of them, and all applicable regulations promulgated under any of them including, without limitation, any provisions requiring adverse action notification to the consumer. User agrees to indemnify and hold Landlord harmless on account of any loss, injury, damage or claim that may result or stem from the information furnished to Rent to Credit Inc. or any other transaction under and pursuant to the Agreement with Rent to Credit Inc. and/or any violation of any of the provisions contained in applicable Federal, state or local laws, and/or claims of its customers, as well as any attorney’s fees and costs associated therewith.

Monthly Cancellation Policy: A user can cancel their monthly rent verification subscription at any time by calling 844-307-3700 or by contacting us at email at [email protected]

Privacy Policy: When you visit the Rent to Credit Inc. website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website. If you visit our website or open an account, we collect the following types of information from you:
Contact Information – your name, address, phone, email, and other similar information.
Personal Information – Your social security number and date of birth.
Financial Information – the debit and credit card numbers that you link to your Rent to Credit Inc. account as well as information about your lease and rent payment history.

Contact Us – if you email us through the “Contact Us” link on the website, we ask you for information such as your name and email address so we can respond to your questions and comments. You may choose to provide additional information as well.

Questionnaires and Surveys – we occasionally may ask visitors to our website to complete online surveys and opinion polls about their activities, attitudes and interests. Comments and notes that you post to the bulletin board and similar areas of our website. Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk. We may also obtain information about you from third parties such as credit bureaus and identity verification services. When you are using our Service, we collect information about your account transactions, and we may collect information about your computer or other access device for fraud prevention purposes. Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.

Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user. We store and process your personal information on our servers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience on the Rent to Credit Inc. site. We may use your personal information to: Provide the services and customer support you request, as well as send you transaction-specific email correspondence; Process transactions and send notices to you and your payees about your transactions; Resolve disputes and troubleshoot problems; Prevent potentially prohibited or illegal activities, and enforce our User Agreement; Customize, measure, and improve our services and the content and layout of our website; Send you targeted marketing, service update notices, and promotional offers based on your communication preferences; and Compare information for accuracy and verify it with third parties.

In addition, we may append your information with additional information obtained from third parties. We may share your personal information with: Service providers under contract who help with parts of our business operations (fraud prevention, compliance, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

Third party financial institutions that we partner with to process EFT and card payments. These financial institutions may only use this information to process transactions on your behalf, unless you have given consent for other uses.

Credit bureaus to whom rent payments will be reported upon the purchase of the service. Companies that we plan to merge with or be acquired by. (Should such a combination occur, we would require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.) Law enforcement, government officials, or other third parties when we are compelled to do so by a warrant, subpoena, court order or similar legal procedure we need to do so to comply with law. We believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our Terms of Service.

 

Terms and Conditions January 7, 2018

Like Us On Facebook

256-bit Encryption Security

Rent Reporting security

Contact Us

2410 N. Causeway Blvd. A
Mandeville, LA 70471
Email: [email protected]
Phone number: 844-307-3700
Hours: 8am-9pm 7 days/wk