1. Introduction
Welcome to Panola Financial, Inc. (“Company,” “we,” “our,” or “us”). By accessing or using our website, www.PanolaFinancial.com (the “Website”), you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree with any part of these Terms, please do not use our Website or services.
2. Eligibility and Use of Services
You must be at least 18 years old and capable of forming a legally binding agreement to use our services. By using our Website, you represent and warrant that all information you provide is accurate and complete.
3. Consumer and Business Credit Reports
By using our services, you acknowledge and authorize us to obtain your consumer or business credit report from one or more credit reporting agencies as permitted by law. We may use this information to:
• Evaluate your eligibility for our products or services.
• Assess creditworthiness and risk.
• Verify your identity and financial standing.
Your credit report may be obtained at the time of application, periodically throughout your relationship with us, or in connection with any credit-related transaction involving our services.
4. Reporting to Credit Bureaus
You acknowledge and agree that we may report your payment history, including late or missed payments, to credit bureaus and other reporting agencies. This may impact your credit score and affect your ability to obtain credit in the future. Timely payments can have a positive effect, while delinquent payments may negatively affect your credit profile.
5. User Responsibilities
By using our Website, you agree to:
• Provide truthful and accurate information.
• Use our services only for lawful purposes.
• Not engage in any fraudulent, abusive, or disruptive behavior.
Failure to comply with these obligations may result in the suspension or termination of your access to our services.
6. Privacy Policy
Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal and financial information. By agreeing to these Terms, you also agree to our Privacy Policy, available at [Privacy Policy URL].
7. Intellectual Property
All content, trademarks, logos, and materials on this Website are the property of Panola Financial, Inc or its licensors and are protected by intellectual property laws. Unauthorized use, reproduction, or distribution of any content is prohibited.
8. Disclaimer of Warranties
Our Website and services are provided on an “as-is” and “as-available” basis. We do not guarantee uninterrupted access, accuracy, or reliability. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
9. Limitation of Liability
To the fullest extent permitted by law, Panola Financial, Inc shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Website or services, including but not limited to loss of profits, data, or goodwill.
10. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting on our Website. Your continued use of the Website after any modifications constitute acceptance of the revised Terms.
11. Governing Law & Dispute Resolution
These Terms are governed by the laws of Texas. Any disputes arising from these Terms shall be resolved through binding arbitration and you waive your right to bring a class action lawsuit against us.