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    Federal law provides important protections to active duty members of the Armed Forces and their dependents. To ensure that these protections are provided to eligible applicants, we require you to select yes or no below:

    Privacy Policy

    Privacy Policy Texas Loan Brokers I, LLC d/b/a Texas Title Loans

     

    Credit Service Organization

    Texas Loan Brokers I, LLC d/b/a Texas Title Loans 12751 State Hwy. 198, Mabank, TX 75156

    Introduction

    In this Privacy Policy, the words you and your mean the Applicant named above. The term CSO, we, us, or our means the CSO named above. The term Lender means a third-party that the CSO has identified as willing to make a loan to you. These terms also include each person’s respective heirs, personal representatives, successors, and assigns, as applicable.

    Texas Loan Brokers I, LLC d/b/a Texas Title Loans respects customer privacy and protecting it is very important to us. Because keeping customers’ information secure is a priority to us, we want you to understand our intended collection and disclosure policies concerning your personal information. If you provide us non-public personal information you may opt out of our sharing information with non-affiliated companies. Please see the Opt Out Notice section at the end of this policy.

    Confidentiality and Security/With Whom We May Share Your Information

    We restrict access to nonpublic personal information about you to the following: 1. Those employees who in the normal course of business help to provide services to you, 2. The Lender, 3. Third party entities and financial service providers that deliver services to us (such as consumer credit reporting agencies), 4. Any entity necessary to effect, administer or enforce a transaction that you have requested or authorized, 5. Courts and other governmental agencies upon legal process, 6. Credit reporting agencies, and 7. In the event of nonpayment, a debt collector or a repossessor of collateral at the request of the Lender.

    The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

    We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information from unauthorized access.

    Information We May Collect

    We gather customer information that is needed to administer our business, provide services to our customers, and to complete your transactions. The categories of nonpublic personal information that may be collected about you include:

    • Information we receive from you on applications, registration forms for electronic payment or ACH transactions, or other forms (such as your name, address, phone number, driver’s license, military identification, federal identification, state identification, or Social Security Number);

    • Information about your transactions with us or third party lenders (such as account activity, payment history, or account balance); and

    • Information we receive from a consumer reporting agency (such as your creditworthiness or credit history).

    Notice of changes

    We reserve the right to alter our privacy policy from time to time. Our customers will receive written or e-mail notifications of these changes. The effective date of this policy, stated above, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.OPT OUT NOTICE – NON-PUBLIC PERSONAL INFORMATION

    We do not share non-public personal information about you with third parties except those listed above. At no time does non-public personal information about you go to third parties for them to market their products or services to you. Therefore, there is no need to opt out of such a sharing of information because it will not happen.

    OPT OUT NOTICE – CREDIT SERVICES AND LOAN TRANSACTION INFORMATION

    We do not share CSO information about you with third parties, other than as permitted by law or necessary to administer, effect and provide the services requested by you.

    At no time does CSO information about you go to third parties for them to market their products or services to you. Therefore, there is no need to opt out of such sharing of information because it will not happen.

    OPT OUT PROCEDURE

    You may exercise your right to opt out by mailing a written, signed, and dated document to address above that states your name, address, phone number, and email address and which states either or both of the following:

    1) Do not share non-public personal information about me with third parties, other than as permitted by law or necessary to administer, effect and provide the services requested by me, or

    2) Do not share non-public personal information about me with third parties for them to market their products or services to me. The privacy policy is posted at www.txtitleloans.net/privacy

    Rev. 11/14

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    Electronic Consent

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    Arbitration Agreement

    ARBITRATION AGREEMENT

    This Arbitration Agreement provides consumer an election to either accept or reject this agreement as set forth below:

    This Arbitration Agreement provides that, unless prohibited by applicable law, upon the election of either 1) the consumer signing this agreement (“you”); 2) Texas Loan Brokers I, LLC dba Texas Title Loans (“CSO”) whose address is 12754 SH 198 S, Mabank, TX 75156; or 3) Tri-State Funding, LLC (“Lender”), whose address is P.O. Box 2109 Mabank, TX 75147, any legal dispute between you, on the one hand, and CSO or Lender, on the other hand, will be resolved by binding arbitration. In arbitration, a dispute is resolved by an arbitrator instead of a judge or jury. Arbitration procedures are intended to be simpler and more limited than court procedures.

    Right to Reject Arbitration Agreement: IF YOU DO NOT WANT TO ARBITRATE CLAIMS AS PROVIDED IN THIS ARBITRATION AGREEMENT, THEN YOU HAVE THE RIGHT TO REJECT THE ARBITRATION AGREEMENT. TO REJECT ARBITRATION, YOU MUST DELIVER WRITTEN NOTICE TO US WITHIN 15 DAYS FOLLOWING THE DATE OF YOUR APPLICATION. NOBODY ELSE CAN REJECT ARBITRATION FOR YOU; THIS METHOD IS THE ONLY WAY YOU CAN REJECT THE ARBITRATION AGREEMENT. THE REJECTION NOTICE MUST INCLUDE YOUR NAME, ADDRESS, TELEPHONE NUMBER AND THE DATE OF YOUR APPLICATION AND MUST EITHER BE MAILED OR SENT BY MESSENGER SERVICE (SUCH AS FEDERAL EXPRESS) TO THE CSO AT THE FOLLOWING ADDRESS Texas Title Loans, Attn: Arbitration Opt-Out, 12754 S.H. 198 S Mabank, TX 75156.

    IF YOU REJECT ARBITRATION, NEITHER YOU, CSO NOR LENDER WILL HAVE THE RIGHT TO REQUIRE ARBITRATION OF SOME OR ALL CLAIMS (AS SUCH TERM IS DEFINED BELOW). REJECTION OF THE ARBITRATION AGREEMENT WILL NOT AFFECT CSO’S WILLINGNESS TO PROVIDE YOU WITH CREDIT SERVICES OR LENDER’S WILLINGNESS TO PROVIDE A LOAN, NOR WILL IT AFFECT THE TERMS OF YOUR CREDIT SERVICES AGREEMENT WITH CSO OR YOUR LOAN AGREEMENT AND PROMISSORY NOTE WITH LENDER. ANY REJECTION OF ARBITRATION WILL APPLY ONLY TO THIS ARBITRATION AGREEMENT.

    Coverage and Definitions: This Arbitration Agreement benefits and is binding upon: (1) you, CSO and Lender; (2) any person or company that has or acquires a financial interest or rights under the Credit Services Agreement; (3) any person or company that has or acquires a financial interest or rights under the Loan Agreement; and (4) with respect to any of the foregoing, any heirs, assigns, personal representatives, officers, directors, owners, shareholders, principals, agents, attorneys, lenders, sureties, or insurers. Also, If either you, CSO or Lender elect to arbitrate any Claim you bring against CSO or Lender, the persons who may benefit by this Arbitration Agreement include any other persons or companies you make a Claim against, in the same proceeding.

    “Claim” is given the broadest possible meaning and specifically includes any legal dispute between you, on the one hand, and CSO or Lender, on the other hand, that has anything at all to do with: (1) your Credit Services Terms, Conditions and Disclosures, your Application for Credit Services and Loan, this Arbitration Agreement, the Credit Services Agreement, the Loan Agreement or CSOs or Lender’s privacy policies; (2) the servicing or collection of amounts due under the Credit Services Agreement or the Loan Agreement; or (3) any related advertising, promotion, disclosure or notice. This includes a dispute about whether this Arbitration Agreement is valid or enforceable, about when it applies or about whether a dispute is arbitrable. It includes disputes about constitutional provisions, statutes, ordinances, regulations, compliance with contracts and wrongful acts of every type (whether intentional, fraudulent, reckless or negligent). This Arbitration Agreement applies to actions, omissions and events prior to, on or after the date of this Arbitration Agreement. It applies to disputes involving requests for injunctions or other equitable relief. However, notwithstanding any language in this Arbitration Agreement to the contrary, the term “Claim” does not include any dispute about the validity, effect or enforceability of the prohibitions against class proceedings, private attorney general proceedings or multiple-party proceedings described under the caption “Prohibition Against Certain Proceedings” (the “Class Action Waiver”), and any such dispute shall be resolved by a court and not by an arbitrator or arbitration administrator.

    “Administrator” means the American Arbitration Association (the “AAA”), 1633 Broadway, 10th Floor, New York, NY 10019; or any other company selected by mutual agreement of the parties. Regardless of the Administrator used, AAA rules will apply. If the AAA cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. Notwithstanding any language in this Arbitration Agreement to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that purports to override the Class Action Waiver.

    YOU GIVE UP YOUR RIGHT TO A JURY TRIAL – IF YOU, CSO OR LENDER ELECT TO ARBITRATE A CLAIM, YOU WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM CSO AND LENDER AND TO APPEAL IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.

    “Prohibition Against Certain Proceedings”: IF YOU, CSO OR LENDER ELECTS TO ARBITRATE A CLAIM: (1) NO PARTY MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NO PARTY MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.

    Initiating Arbitration Proceedings: A party asserting a Claim must first comply with the paragraph captioned “Notice and Cure; Special Payment.” Additionally, a party electing arbitration must give written notice of an intention to initiate or require arbitration. This notice can be given after the beginning of a lawsuit and can be given in the papers filed in the lawsuit. If such a notice is given, unless prohibited by applicable law, any Claim shall be resolved by arbitration under this Arbitration Agreement and, to the extent consistent with this Arbitration Agreement, the AAA rules that are in effect at the time the Claim is filed with the Administrator. A party who has asserted a Claim in a lawsuit may still elect arbitration with respect to any Claim that is later asserted in the same lawsuit by any other party. Unless all the parties agree otherwise, the arbitrator must be a lawyer with more than 10 years of experience or a retired judge. CSO and Lender promise that they will not elect to arbitrate an individual claim that you bring in small claims court or similar court. However, CSO and Lender may elect to arbitrate a Claim that is transferred, removed or appealed to any different court.

    Arbitration Location and Costs: Any arbitration hearing that you attend will take place in a reasonably convenient location for you. If you object to the fees charged by the Administrator or arbitrator, CSO or Lender will consider in good faith any reasonable written request for CSO or Lender to bear the fees charged by the Administrator or arbitrator. Also, CSO or Lender will pay any fees or expenses they are required to pay by law or required to pay so that a court will enforce this Arbitration Agreement. Each party must pay for that party’s own attorneys, experts and witnesses, provided that CSO or Lender will pay all such reasonable fees and costs you incur if you are the prevailing party or where required by applicable law or the Administrator’s rules.

    Applicable Law: You, CSO, and Lender agree that the Credit Services Agreement, the loan Agreement and this Arbitration Agreement involve interstate commerce, and this Arbitration Agreement is governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. 1 et seq. (and by Texas law to the extent state law governs the enforceability of this Arbitration Agreement under section 2 of the FAA). The arbitrator must follow, to the extent applicable: (1) the substantive law related to any Claim; (2) statutes of limitations; and (3) claims of privilege recognized at law. Upon the timely request of any party to an arbitration proceeding, the arbitrator must provide a brief written explanation of the basis for the award. The arbitrator will determine the rules of procedure and evidence to apply, consistent with the arbitration rules of the AAA and this Arbitration Agreement. In the event of a conflict between this Arbitration Agreement and the rules or policies of the Administrator or AAA rules, this Arbitration Agreement shall govern. The arbitrator will not be bound by federal, state or local rules of procedure and evidence or by state or local laws concerning arbitration proceedings.

    Getting Information: In addition to the parties’ rights to obtain information under the AAA rules, any party may submit a written request to the arbitrator seeking more information. A copy of such request must be provided to the other parties. Those parties will then have the chance to object in writing within 30 days. The objection must be sent to the arbitrator and the other parties. The arbitrator will decide the issue in his or her sole discretion within 20 days thereafter.

    Effect of Arbitration Award: Any court with jurisdiction may enter judgment upon the arbitrator’s award. The arbitrator’s decision will be final and binding, except for any appeal right under the FAA and except for awards of more than $30,000. For these awards, any party may appeal the award to a three-arbitrator panel appointed pursuant to the Administrator’s rules. That panel will reconsider from the start any aspect of the initial award that any party asserts was incorrectly decided. The decision of the panel shall be by majority vote and will be final and binding, except for any appeal right under the FAA. Unless applicable law (or the paragraph captioned “Corrective Action; Survivability and Severability of Terms”) requires otherwise, the costs of an appeal to an arbitration panel will be borne by the appealing party, regardless of the outcome of the appeal. However, CSO and Lender will consider in good faith a reasonable written request for CSO or Lender to bear the cost. Also, CSO or Lender will pay any fees or expenses they are required to pay by law or required to pay so that a court will enforce this Arbitration Agreement.

    Corrective Action; Survivability and Severability of Terms: A party must be given written notice and a reasonable opportunity of at least 30 days to remedy any circumstances that might preclude arbitration of a Claim. This Arbitration Agreement shall survive termination or cancellation of the Credit Services Agreement; repayment of the Loan; and the bankruptcy of any party. If any portion of this Arbitration Agreement other than the Class Action Waiver is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. If a determination is made that the Class Action Waiver is unenforceable, only this sentence of the Arbitration Agreement will remain in force and the remaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal. This Arbitration Agreement can only be amended or supplemented by written agreement.

    Notice and Cure; Special Payment: Prior to initiating litigation or arbitration regarding a Claim, (“Claim Notice”) the party asserting the Claim shall give the other party or parties written notice of the Claim and a reasonable opportunity, not less than 30 days, to cure the Claim. Any Claim Notice to you shall be sent in writing by mail or by email to the address you have provided on your Application (or any updated address you have subsequently provided). Any Claim Notice to CSO or Lender shall be sent by mail, attention Claim Notice. Any Claim Notice you send must identify yourself and provide your telephone number and email address. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. The party giving a Claim Notice must reasonably cooperate in providing any information about the Claim that the other party or parties reasonably request and must give the other party or parties a reasonable opportunity to respond to the demand for relief. If CSO or Lender refuse to provide you with the relief demanded in any Claim Notice you send them in accordance with this paragraph and an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award you at least $4,000 (not including any arbitration fees and attorney’s fees and costs to which you may be entitled).

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    WARNING ABOUT FRAUD AND IDENTITY THEFT: Attempting to obtain a credit transaction by providing false information, including but not limited to the use of false or altered documents and the use of another person's identity other than your own (Identity Theft), is fraudulent and, in some cases, punishable by law. TX Title Loans reserves the right to report any and all information obtained in connection with a verified fraud attempt to local, state, or federal authorities including the Internet Crime Complaint Center, an FBI-NW3C partnership, for possible investigation and prosecution. For more information about the NW3C and the FBI, please visit www.ic3.gov.

    Notice of Furnishing Negative Information

    We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

    TX Title Loans or third party lenders do not utilize traditional credit checks as part of the payday loan approval process. However, TX Title Loans and third party lenders may, at their discretion, verify application information by using national databases, including but not limited to Teletrack, that may provide information from one or more national credit bureaus, and that TX Title Loans or third party lenders may take into consideration in the approval process.