Terms of Service

 

 

Baker Collins & Co., LLC hereby expressly prohibits any and all fraudulent, malicious, deceptive, or otherwise unlawful acts or practices directed toward or involving the Company, its websites, platforms, systems, data, intellectual property, or any of its members, managers, officers, employees, contractors, agents, affiliates, licensors, service providers, or other business partners; any such conduct may result in civil and/or criminal liability, and the Company reserves all rights and remedies available at law and in equity and will seek enforcement to the fullest extent permitted by applicable law. 

 

 

 

These Terms of Service constitute a legally binding agreement between you, whether personally or on behalf of an entity (“you,” “your”) and Baker Collins & Co., LLC (“we,” “us,” “our”), concerning your access to and use of the bakercollins.com website as well as any related media channels, mobile website, or mobile application (collectively, the “Site”).

 

By accessing the Site, you agree that you have read, understood, and agree to be bound by all of these Terms of Service. If you do not agree with all of these Terms, you are expressly prohibited from using the Site and must discontinue use immediately.

 

We reserve the right to make changes to these Terms at any time and for any reason. We will alert you about any changes by updating the “Last Updated” date of these Terms. It is your responsibility to periodically review these Terms to stay informed of updates.

 

 

 

 

For the purposes of these Terms of Service:

 

“Site” refers to Baker Collins & Co., accessible from www.bakercollins.com

“Service” refers to the services provided by the Site

“User” or “you” means the individual accessing or using the Service

“Content” means text, images, or other information that can be posted, uploaded, linked to or otherwise made available

 

 

 

 

 

You must be at least 18 years of age to use this Site. By using this Site, you represent and warrant that you are of legal age to form a binding contract and meet all eligibility requirements. We comply with the Children’s Online Privacy Protection Act (COPPA) and do not knowingly collect information from children under 18.

 

 

If you create an account on our Site, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

 

– Provide accurate, current, and complete information during registration

– Maintain and promptly update your account information

– Immediately notify us of any unauthorized use of your account

– Be responsible for all activities that occur under your account

 

We reserve the right to suspend or terminate your account if any information provided is inaccurate, false, or incomplete.

 

 

 

 

You may not access or use the Site for any purpose other than that for which we make it available. You agree not to:

 

– Use the Site in any way that violates federal, state, local, or international laws

– Engage in unauthorized framing or linking to the Site

– Upload or transmit viruses, malware, or any other malicious code

– Engage in automated use of the system (bots, scripts, scrapers)

– Delete copyright or proprietary rights notices from any Content

– Harass, intimidate, make false claims, or threaten other clients, representatives, and third parties of the company

– Impersonate another person or entity

– Upload or transmit violent, obscene, pornographic, or offensive content

– Engage in spamming, phishing, or similar activities

– Attempt to bypass security measures or gain unauthorized access

– Interfere with, disrupt, or create undue burden on the Site

– Use information obtained from the Site to harass or harm others

– Sell, trade, or resell any aspect of the Site without authorization

– Make improper use of our support services or submit false reports

– Violate copyright, trademark, or intellectual property laws

 

 

 

 

 

You retain all rights to any content you submit, post, or display on or through the Site. By posting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, perform, display, distribute, and otherwise disclose that content in connection with operating and providing the Service.

 

 

You are solely responsible for your content and the consequences of posting or publishing it. Your content must not:

 

– Contain false, misleading, or fraudulent information

– Infringe any intellectual property or proprietary rights

– Contain discriminatory, defamatory, or hateful material

– Promote illegal activities

 

We reserve the right to remove or modify any content at any time for any reason without notice.

 

 

 

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by Baker Collins & Co., its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

 

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (collectively, the “Content”) are owned or controlled by us and are protected by copyright and trademark laws.

 

You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any of the material on our Site without our prior written consent.

 

 

 

The Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

 

You acknowledge and agree that we are not responsible or liable for any damage or loss caused by or in connection with the use of any such third-party content, goods, or services.

 

 

 

5. Payment and Fees

 

5.1 Fees. Access to certain features, products, or services offered through the Site (the “Services”) may require the payment of fees (the “Fees”). The applicable Fees, billing arrangements, and any additional terms will be disclosed to you at the time of purchase or subscription. By placing an order or subscribing to any Services, you agree to pay all Fees in accordance with the pricing and payment terms presented to you for those Services.

 

 

5.2 Price changes. We reserve the right to change our Fees at any time, in our sole discretion, to the fullest extent permitted by applicable law. Any change in Fees will apply only on a going-forward basis and will be effective as of the next billing cycle after notice of such change is provided to you, which may be by posting on the Site, by email, or by other reasonable means. Your continued use of the Services after the effective date of any Fee change constitutes your acceptance of the updated Fees.

 

 

5.3 Billing and payment method. You must provide current, complete, and accurate billing and payment information (such as a valid credit card or other accepted payment method) and promptly update all such information to keep it accurate, current, and complete. You authorize us and our third‑party payment processors to charge your designated payment method for all Fees incurred in connection with your account. If your payment is not successfully settled for any reason, you remain responsible for any uncollected amounts, and we may suspend or terminate your access to the Services until full payment is received.

 

 

5.4 Subscriptions and automatic renewal. If you purchase a subscription, you acknowledge and agree that your subscription will automatically renew at the end of the initial subscription term and each renewal term thereafter, unless and until you cancel it in accordance with Section 5.5. By initiating a subscription, you authorize us to charge your payment method on a recurring basis for the applicable subscription Fee, plus any applicable taxes, at the then‑current rate, without requiring further authorization from you, until you cancel.

 

 

5.5 Cancellation. You may cancel a subscription at any time, subject to any specific terms disclosed at the time of purchase, by following the cancellation instructions provided on the Site or contacting us using the contact information provided in these Terms. Cancellation will take effect at the end of your then‑current billing period, and you will continue to have access to the subscription Services until that time. To the fullest extent permitted by law, Fees paid are non‑refundable, and we do not provide credits or refunds for partial billing periods, unused Services, or downgrades.

 

 

5.6 Free trials and promotions. From time to time, we may offer free trials, discounted Fees, or other promotional offers (collectively, “Promotions”). Any Promotion will be subject to the specific terms disclosed at the time it is offered and may not be combined with other offers unless expressly stated. At the end of a free trial or promotional period, your subscription may automatically convert to a paid subscription at the then‑current standard rate, and your payment method may be charged, unless you cancel before the end of the trial or promotional period.

 

 

5.7 Taxes. Fees are exclusive of all taxes, levies, duties, or similar governmental assessments of any nature, including, without limitation, sales, use, value‑added, or withholding taxes (collectively, “Taxes”). You are responsible for paying all Taxes associated with your purchases and use of the Services, excluding taxes based on our net income. Where required by law, we may charge you for such Taxes and remit them to the appropriate taxing authority.

 

 

5.8 Third‑party payment processors. We may use third‑party payment processors to facilitate payments. Your use of such third‑party services may be subject to separate terms and conditions and privacy policies of those third parties. We are not responsible for any errors, delays, or losses arising from the actions or omissions of any third‑party payment processor, except to the extent required by applicable law.

 

 

5.9 Chargebacks and disputes. If you believe a charge has been made in error, you must contact us promptly using the contact information provided in these Terms before initiating a chargeback with your payment provider. To the fullest extent permitted by law, you agree not to initiate any chargeback or similar process with your payment provider until you have given us a reasonable opportunity to address the issue. We reserve the right to suspend or terminate your access to the Services in the event of any improper or unauthorized chargeback.

 

 

5.10 Delinquent accounts. If you fail to pay any Fees when due, we may, without limiting any other rights and remedies, suspend or terminate your access to some or all of the Services and/or refer your account to a collection agency. You will be responsible for all costs of collection (including reasonable attorneys’ fees) incurred by us in seeking to collect any overdue amounts, except to the extent prohibited by applicable law.

 

 

5.11 Currency and foreign transaction fees. Unless otherwise stated at the time of purchase, all Fees are payable in United States dollars (USD). If your payment method is denominated in another currency, your bank or payment provider may charge foreign transaction fees, conversion fees, or other charges, which are solely your responsibility.

 

 

 

All prices are stated in USD and are subject to change without notice. We reserve the right to modify our pricing at any time.

 

 

Payment is due immediately. Accepted payment methods include bank cards, bank transfers (ACH and wire), and third party payment processors. All fees are non-refundable unless otherwise stated in our refund policy.

 

 

 

Subscriptions automatically renew unless cancelled at least 30 days before the renewal date. You will be charged the then-current subscription rate.

 

 

 

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. We do not warrant that:

 

– The Site will function uninterrupted, secure, or available at any particular time or location

– Any errors or defects will be corrected

– The Site is free of viruses or other harmful components

– The results of using the Site will meet your requirements

 

 

 

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL BAKER COLLINS & CO., LLC OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE.

 

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

 

 

 

 

You agree to defend, indemnify, and hold us harmless from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

 

– Your use of the Site

– Your violation of these Terms

– Your violation of any third-party rights

– Any content you post or share on the Site

 

 

 

We may terminate or suspend your account and access to the Site immediately, without prior notice or liability, for any reason, including if you breach these Terms.

 

Upon termination, your right to use the Site will cease immediately. If you wish to terminate your account, you may discontinue using the Site or contact us at loans@bakercollins.com.

 

 

 

These Terms shall be governed by and construed in accordance with the laws of United States and Texas, without regard to its conflict of law provisions.

 

 

 

Any disputes arising out of or relating to these Terms or the Site shall be resolved through:

 

Informal Negotiation: Contact us at loans@bakercollins.com to attempt to resolve the dispute informally

Binding Arbitration: Any unresolved disputes shall be settled by binding arbitration in accordance with legal and standard arbitration rules Court Jurisdiction: Disputes shall be resolved in the courts of Texas.

 

 

 

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by:

 

– Updating the “Last Updated” date at the top of these Terms

 

Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.

 

 

 

 

 

If any provision of these Terms is held to be unenforceable or invalid, that provision will be changed and interpreted to accomplish the objectives to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

 

 

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

 

 

These Terms and our Privacy Policy constitute the sole and entire agreement between you and Baker Collins & Co., LLC regarding the Site and supersede all prior understandings and agreements.

 

 

If you have any questions about these Terms of Service, please contact us at:

 

– Email: loans@bakercollins.com

– Address: 3550 Lennox Rd | Atlanta, GA 30326

– Phone: 866-781-9235

– Website: www.bakercollins.com/contact-us