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Terms of Use

Effective as of March 28, 2014

IMPORTANT – THIS IS A LEGAL AGREEMENT BETWEEN YOU (referenced here as “You” or with “your”) AND MIDLAND CREDIT MANAGEMENT, INC. (referenced herein as “MCM” or with “our”). YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS CONTAINED IN THESE TERMS OF USE (this “TOU”) AS THEY GOVERN YOUR ACCESS TO AND USE OF THE MCM WEBSITE FOUND AT Midlandcreditonline.com and/or accounts.midlandcreditonline.com (COLLECTIVELY, THE “MCM WEBSITE”). MCM IS WILLING TO LICENSE TO YOU THE RIGHT TO ACCESS AND USE THE MCM WEBSITE ONLY ON THE CONDITION THAT YOU ACCEPT AND AGREE TO ALL OF THE TERMS AND CONDITIONS CONTAINED IN THIS TOU. IF YOU DO NOT AGREE, PLEASE EXIT THE MCM WEBSITE IMMEDIATELY.

  1. LICENSE GRANT. This TOU provides You with a personal, revocable, limited, non-exclusive, non-transferable, and non-sublicenseable license to use the MCM Website solely for your personal use and conditioned on your continued compliance with this TOU. You may print materials and information from the MCM Website solely for your personal use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. Notwithstanding the foregoing, You may not (i) use, copy, store, reproduce, transmit, distribute, display, rent, lease, sell, modify, alter, license, sublicense, or commercially exploit the MCM Website (or any part thereof) in any manner not expressly permitted by this TOU, (ii) reverse engineer, decompile, disassemble, translate, or create any derivative work of the MCM Website (or any part thereof); (iii) access, link to, or use any source code from the MCM Website (or any part thereof); or (iv) erase or remove any proprietary or intellectual property notice contained in or on the MCM Website (or any part thereof or materials therefrom).
  2. USER OBLIGATIONS. By accessing or using the MCM Website, You also agree to be responsible for and to abide by all applicable local, state, national, and international laws, regulations, rules, and guidelines with respect to your use of the MCM Website. In addition, You agree to assume all responsibility for compliance with this TOU and for your use, and the results of your use, of the MCM Website.
  3. PROPRIETARY RIGHTS. The contents of the MCM Website, including all software, designs, text, graphics, images, photographs, illustrations, audio and video materials, artwork, databases, user interfaces, visual interfaces, sounds, artwork, computer code (including html code), products, information, and documentation, as well as the design, structure, selection, coordination, expression, “look and feel”, and arrangement of the MCM Website unless otherwise indicated, are owned, controlled, and licensed by MCM. Any rights granted hereby are expressly licensed. MCM does not grant any implied right to You or any other person and does not transfer or assign any ownership or intellectual property interest or title in or to the MCM Website (or any part thereof) to You or anyone else. The MCM Website is Copyright © March 2014 MIDLAND CREDIT MANAGEMENT, INC. and/or its licensors. MIDLAND CREDIT MANAGEMENT, MCM, MCM Plus Logo Design and all other names, logos, and icons identifying MCM and its products and services are proprietary trademarks of MCM, and any use of such marks, including, without limitation, domain names or account identifiers, without the express written permission of MCM is strictly prohibited. Other product and company names mentioned herein or on the MCM Website may be the trademarks and/or service marks of their respective owners.
  4. PRIVACY. Please see our Privacy Policy for information relating to the collection and use of personally identifiable information in connection with your use of the MCM Website.
  5. LINKS TO OTHER SITES. MCM may provide links, in its sole discretion, to other websites or online social networks (or pages) for your convenience in locating or accessing related information, products, and services. These sites, networks, and pages have not necessarily been reviewed by MCM and are maintained by third parties over which MCM exercises no control. Accordingly, MCM expressly disclaims and shall not have any responsibility for the content, the materials, the accuracy of the information, and/or the quality of the products or services provided by, available through, or advertised on these third-party websites, networks, or pages. Moreover, these links do not imply an endorsement with respect to any third party, any website, network, or page, or the products or services provided by any third party.
  6. FEEDBACK. MCM welcomes your feedback and suggestions about MCM’s products or services or with respect to how to improve the MCM Website. But, by transmitting any feedback or suggestions and any related information, material, or other content (collectively, “feedback”) to MCM, You represent and warrant that such feedback does not infringe or violate the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that You have all rights necessary to convey such feedback to MCM. In addition, any feedback received by MCM will be deemed to include from You a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for MCM to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works of, display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in the information, material, or content related to such feedback, and You hereby waive any claim to the contrary.
  7. WARRANTY DISCLAIMER. THE MCM WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE”, AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MCM MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE MCM WEBSITE AND HEREBY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. MCM ALSO DOES NOT REPRESENT OR WARRANT THAT THE MCM WEBSITE WILL OPERATE ERROR-FREE, UNINTERRUPTED, OR IN A MANNER THAT WILL MEET YOUR REQUIREMENTS. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE MCM WEBSITE IS WITH YOU.
  8. LIMITATION OF LIABILITY. You acknowledge and agree that MCM shall not be liable or responsible for any claim, damage, or loss resulting from a cause beyond MCM’s control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or other natural disasters, strikes or other labor problems, wars, or governmental restrictions.

    MOREOVER, YOU AGREE THAT IN NO EVENT SHALL MCM BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOST PROFITS, FOR LOST DATA, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE MCM WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF MCM HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. WITHOUT LIMITATION OF THE FOREGOING, TOTAL LIABILITY OF MCM FOR ANY REASON WHATSOEVER RELATED TO USE OF THE MCM WEBSITE, RESULTS FROM USE OF THE MCM WEBSITE, OR FOR ANY CLAIMS RELATING TO THIS TOU SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD).

  9. ENFORCEMENT. MCM wishes to maintain the MCM Website as a helpful resource for all of its users. As it relates to MCM, You therefore have no reasonable expectation of privacy while using the MCM Website because MCM reserves the right to view, monitor, and/or record activity on the MCM Website (in accordance with applicable law) and to comply with government or court appointed authorities when necessary. Actual or attempted unauthorized use of the MCM Website may also result in criminal and/or civil prosecution, including, without limitation, punishment under the Computer Fraud and Abuse Act of 1986 under U.S. federal law. You shall therefore not, nor shall You permit any third party to, disable, circumvent, or otherwise avoid any security device, mechanism, protocol, or procedure established by MCM for use of or with the MCM Website. Moreover, You also acknowledge that any breach, threatened or actual, of this TOU by You may cause irreparable injury to MCM and/or its licensors, such injury would not be quantifiable in monetary damages, and MCM and/or its licensors would not have an adequate remedy at law. You therefore agree that MCM and/or its licensors (or on their behalf) shall be entitled, in addition to other available remedies, to seek and be awarded an injunction or other appropriate equitable relief from a court of competent jurisdiction restraining any breach, threatened or actual, of your obligations under any provision of this TOU. Accordingly, You hereby waive any requirement that MCM or its licensors post any bond or other security in the event any injunctive or equitable relief is sought by or awarded to MCM to enforce any provision of this TOU.
  10. TERMINATION. MCM also reserves the right at any time and on reasonable grounds, which shall include, without limitation, any reasonable belief of fraud, illegal activity, or actions or omissions that violate any term or condition of this TOU, to terminate this TOU with You (including any registered account) and your right to access and use the MCM Website in order to protect its name, business, or goodwill and/or any other user. You acknowledge and agree that MCM shall have the sole right to determine in its reasonable discretion whether You are engaging in any unauthorized activity and/or violating any term or conditions of this TOU. MCM shall also not be responsible or liable for any damages or loss, such as loss of sales or profits, as a result of any termination of this TOU in accordance with this section. You may also terminate at any time by ceasing to use the MCM Website. But, all applicable provisions of this TOU will survive termination, as outlined below. Any licenses from MCM and any right to use the MCM Website shall immediately cease upon termination of this TOU. The provisions concerning feedback, MCM’s ownership rights, warranty disclaimer, limitation of liability, governing law, enforcement, termination, and the miscellaneous terms will survive the termination or expiration of this TOU for any reason.
  11. GOVERNING LAW. This TOU has been made in and will be construed and enforced solely in accordance with the laws of the State of California, U.S.A., as applied to agreements entered into and completely performed in the State of California. The state or local courts in the State of California will have exclusive jurisdiction and venue over all controversies in connection with this TOU, and You hereby consent to such exclusive and personal jurisdiction and venue. Any claim You might have against MCM relating to performance under this TOU must be brought within two (2) years after the cause of action arises, or such claim or cause of action is barred. In addition, You agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to this TOU and that each party has the right to seek attorney’s fees in any proceeding. You also acknowledge and agree that any applicable state law implementation of the Uniform Computer Information Transactions Act (including any available remedies or laws) shall not apply to this TOU and is hereby disclaimed.
  12. SPECIFIC PROGRAMS; OTHER TERMS AND CONDITIONS. Additional notices, terms, and conditions, including, without limitation, MCM’s Payment Portal Services Agreement, and MCM’s Privacy Policy, may apply to the use of the platforms or online solution available through the MCM Website. You agree to abide by such other notices, terms, and conditions (as applicable). If there is a conflict with this Agreement, MCM’s obligations, if any, with respect to its services, programs, and/or products are governed solely by the terms, conditions, notices, and agreements pursuant to which they are provided, and nothing should be construed to alter such terms, conditions, notices, and agreements. Nevertheless, your end use of the MCM Website shall be pursuant to this Agreement.
  13. DIGITAL PRIVACY NOTICE. We use the Google Adwords search and display networks to reach customers. The Adwords platform allows us to communicate with customers using tools such as standard and custom affinity audiences, in-market audiences, and demographic and location targeting. It also allows us to monitor the performance of our ads through conversion tracking. None of the information utilized or collected in these practices is “Personally identifiable information”.

    We also use Google’s Adwords remarketing feature to reach specific audiences. Google utilizes cookies to display customized ads to customers who have previously visited this website (midlandcreditonline.com, mcmpay.com). If you prefer not to receive these ads, you may opt out at any time by visiting Google’s Ad Settings.

    We use AdRoll’s display network to reach our potential customers. When you visit this website (midlandcreditonline.com, mcmpay.com) we may utilize cookies that help us better understand your browsing behavior using our site. None of the information utilized or collected in these practices is “Personally identifiable information”.

    If you prefer not to receive these ads, you may opt out at any time by visiting http://optout.networkadvertising.org/#!/

  14. MISCELLANEOUS. The relationship between You and MCM is and shall be that of independent contractors and nothing in this TOU shall be construed or used to create or imply any relationship of partners, joint venturers, or employer and employee. You may not assign or otherwise transfer this TOU or the license granted hereunder or delegate any of your duties specified herein, in whole or in part, without MCM’s prior written consent. Any attempt of assignment, delegation, or transfer in violation of this TOU shall be void, of no effect, and a material breach of this TOU. Notwithstanding the foregoing, MCM may assign this TOU in whole or in part. Moreover, MCM may delegate its rights and responsibilities or use contractors or agents to fulfill its obligations under this TOU. Failure by MCM to insist on strict performance of any of the terms and conditions of this TOU will not operate as a waiver of that or any subsequent default or failure of performance. In the event any provision of this TOU is found by an arbitrator or court of competent jurisdiction to be invalid, void, or unenforceable, You agree that unless it materially affects the entire intent and purpose of this TOU, the invalidity, voidness, or unenforceability shall affect neither the validity of this TOU nor the remaining provisions herein, and the provision in question shall be deemed to be replaced with a valid and enforceable provision most closely reflecting the intent and purpose of the original provision. Headings are for convenience only and have no legal or contractual effect. This TOU and MCM’s Privacy Policy, which is hereby incorporated by reference as if set forth fully herein, represent the entire agreement between You and MCM with respect to subject matter herein, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written between You and MCM with respect to the MCM Website. Please note that MCM reserves the right to change the terms and conditions of this TOU and by which the MCM Website is extended to You by providing notice of such changes on this webpage or providing in writing or electronically a copy of such revised terms (or notice thereof). MCM also has the exclusive right to provide updates, upgrades, and/or changes to any aspect of the MCM Website at any time. Your continued use of the MCM Website following any such change to such Website will be deemed acceptance of any change to this TOU or the MCM Website.