1. Acceptance of Terms
By accessing or using Coast To Coast Financial Solutions’ website (“Website”) or services, including SMS communications (“Service”), you agree to these Terms and Conditions. If you do not agree, do not use the Website or Service.
2. Use of Website and Service
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You must be 18 or older to use the Website or Service.
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You agree to provide accurate, current, and complete information for account verification, debt resolution, or payment processing.
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You consent to receive communications (SMS, email, or phone) for debt collection, account updates, or transactional purposes, as permitted by law.
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You may opt out of SMS communications by replying “STOP” to any message or contacting us at [email protected] or 805.506.8060.
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Website content (e.g., text, graphics) is for informational purposes only and may not be copied or reproduced without permission.
3. Debt Collection Practices
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We operate in compliance with the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), California’s Rosenthal Fair Debt Collection Practices Act, and other applicable laws.
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Communications are solely for debt collection, payment arrangements, or account-related updates.
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You may dispute a debt or request verification by contacting us at [email protected] or 805.506.8060 within 30 days of initial contact, per FDCPA and Rosenthal Act guidelines.
4. Prohibited Conduct
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Do not use the Website or Service for illegal, fraudulent, or unauthorized purposes.
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Do not provide false information, impersonate others, or interfere with Website functionality.
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Do not send harassing, abusive, or unsolicited communications to our representatives or through the Service.
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Do not attempt to access unauthorized areas of the Website or bypass security measures.
5. Intellectual Property
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All Website content, including logos, designs, and text, is owned by Coast To Coast Financial Solutions or its licensors and protected by copyright and trademark laws.
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You may not reproduce, distribute, or modify Website content without written consent.
6. Limitation of Liability
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The Website and Service are provided “as is.” We disclaim warranties, express or implied, to the extent permitted by California law.
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We are not liable for damages arising from Website or Service use, including data loss, interruptions, or inaccuracies, except as required by law.
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We are not responsible for third-party websites linked from our Website.
7. Termination
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We may suspend or terminate access to the Website or Service for violations of these Terms or at our discretion.
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You may stop using the Website or Service at any time.
8. Changes to Terms
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We may update these Terms at any time. Changes are effective upon posting to the Website.
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Continued use of the Website or Service constitutes acceptance of updated Terms.
9. Governing Law
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These Terms are governed by the laws of the State of California. Disputes will be resolved in California state or federal courts located in Thousand Oaks, California.
10. Contact
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For questions, disputes, or debt verification, contact Coast To Coast Financial Solutions at [email protected], 805.506.8060 (Collections), or 805.506.8195 (Customer Service).
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To opt out of communications or report issues, email [email protected] or call 805.506.8060.
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Mailing Address: Coast To Coast Financial Solutions, 101 Hodencamp Road, Suite 120, Thousand Oaks, CA 91360.
