Terms and Conditions

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS (“TERMS”) CAREFULLY AS THEY GOVERN YOUR ACCESS TO AND USE OF ANY WEBSITE ON WHICH THESE TERMS ARE POSTED, INCLUDING BUT NOT LIMITED TO npgassociates.com (THE “WEBSITE”). THESE TERMS APPLY AND BECOME BINDING ON THE FIRST DATE THAT YOU ACCESS ANY PART OF THE WEBSITE OR USE ANY FUNCTIONALITY PROVIDED THROUGH THE WEBSITE. BY ACCEPTING THESE TERMS OR ACCESSING OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THE TERMS IN EFFECT AT THE TIME OF YOUR ACCESS AND/OR USE AND AGREE THAT YOU ARE BOUND BY THEM. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, PLEASE DO NOT ACCESS OR USE THE WEBSITE.

MINIMUM AGE You represent that you are at least 18 years of age (or the age of majority in the State in which you reside). This Website is not intended for users under 18 years of age, and you may not use this Website if you are under 18 years of age.

CHANGES TO TERMS; ADDITIONAL TERMS We may modify and amend these Terms at any time. We will post the modified Terms on the Website and indicate the date the Terms were last updated. You understand and agree that your continued use of the Website after we have made any such changes constitutes your acceptance of the new Terms. In addition, certain functionality and features on this Website may be governed by or subject to additional or separate terms, conditions, or notices that differ from these Terms. Therefore, you should review these Terms and any other applicable terms, conditions, and notices that are in effect each time you use the Website. We will consider your continued use of the Website as acceptance of any such additional terms, conditions, and notices.

PRIVACY POLICY Please review our Privacy Policy, which applies to personal information collected from or provided by you on the Website.

PROPRIETARY RIGHTS All features, functionality, and content of the Website, including all designs, artwork, text, images, audio, photos, videos, information, software, interfaces, and documentation, are the property of NPG Associates, LLC and its licensors. NPG Associates, LLC grants no right to you in the Website, or any of its features, functionality, or content, other than as expressly provided in these Terms. All logo designs and all other names and logos identifying NPG Associates, LLC and its products and services or otherwise appearing on the Website are proprietary trademarks of NPG Associates, LLC or its licensors and you are strictly prohibited from using them without NPG Associates, LLC’s express written permission.

LICENSE TO ACCESS AND/OR USE WEBSITE NPG Associates, LLC grants you a personal, revocable, limited, non-exclusive, non-transferable license to access and use the Website and its materials and information solely for your personal and informational use. NPG Associates, LLC’s license to you is conditioned on your compliance with these Terms. You may not use the Website (or any part of it) for any commercial purposes or in any manner not permitted by these Terms. You may print materials and information from the Website solely for your personal and informational use as long as all hard copies contain all copyright and other applicable notices contained in such materials and information.

COMMUNICATIONS By accepting these Terms, you also expressly consent to be contacted by NPG Associates, LLC for any purpose, including debt collection, arising out of or relating to your access to or use of the Website, your Account(s), or your debt or outstanding obligations by email, SMS messages (including text messages), and calls and messages delivered using automatic telephone dialing system or an automatic texting system. In the event that an agent or representative calls, he or she may send you a text message or leave a message on your answering machine or voice mail. You also agree that we may record or save voicemails or text messages that are sent to you.

You consent to receive emails, SMS messages (including text messages), calls, and messages from us at the specific number(s) or email address you have provided to us, or numbers or email address we can reasonably associate with your Account(s) (through skip trace, caller ID capture, or other means) for the purposes of debt collection, with service-related information, notices, disclosures, documents, other Account-related correspondence, or questions about your Account(s). You further represent and warrant that the telephone number you have provided to us is your contact number and that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to alert us promptly if your telephone number changes or is no longer in service. You also agree that any email address you provide to NPG Associates, LLC is an active and personal private email address accessible only to you and not a workplace or shared email address. You agree that we may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, e-mails, or other means. Standard message and data rates may apply to all SMS messages (including text messages). The number of messages will vary by account. We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice or liability to you.

If at any time you wish to stop receiving communication by electronic means from NPG Associates, LLC, you can click the Unsubscribe link contained within the email, reply STOP to stop receiving text messages or contact NPG Associates, LLC using the contact information contained under the Account Information & Payments on the Contact & FAQs page of the website. To request support for text messages, reply HELP or email us at [email protected]

Federal E-Sign Disclosure and Consent Notice We may be required by law to give you certain information “in writing” which means you are entitled to receive it on paper. We may provide this information to you electronically, instead, with your prior consent. You agree and consent to receive communications electronically, including but not limited to notices, disclosures, records, documents, and other information (collectively, “Communications”) that we provide or that you agree to at our request in connection with any of your current or future Account(s). We will provide these Communications to you via the Website, or by email. Your consent also confirms that you are able to receive, open, and print (if desired) a copy of such Communications provided through this Website or the email address you provide. Your consent remains in effect until you give us notice that you are withdrawing it. We may always, in our sole discretion, provide you with any Communications in writing, even if you have chosen to receive them electronically. Your consent covers all Communications relating to any of your current or future Account(s).

Hardware & Software Requirements. Your email address must be active and valid to receive and view Communications by email. In order to access and retain electronic Communications, you will need a computer with an internet connection, and an installed printer if you wish to print them. In order to download and view PDF documents on your computer, you need to have a program installed on your computer that accurately reads and displays PDF files such as Adobe Acrobat Reader. We will notify you if there are any material changes to the hardware or software needed to receive electronic Communications from NPG Associates, LLC by posting them to the Website or by email. You may print or save a copy of these Communications for your records as they may not be accessible online at a later date.

How to Withdraw Your Consent. You may withdraw your consent to receive Communications electronically by contacting us at (888) 725-5475 or by contacting [email protected]. If you fail to provide consent or if you withdraw your consent to receive Communications electronically, NPG Associates, LLC reserves the right to deny your access to and use of the Website.

Requesting Paper Copies of Electronic Communications. If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy at no charge within 180 days after the date we provided the Communication to you by contacting us at (888) 725-5475 or by contacting [email protected]. We will send your paper copy to you by U.S. mail to the address we have on file.

Updating Your Contact Information. It is your responsibility to keep your primary email address up to date so that NPG Associates, LLC can communicate with you electronically, and you must promptly notify us of any change in your email address. Please note that if you use a spam filter that blocks or re-routes emails, you must allow senders with the domain extension @npgassociates.com so that you will be able to receive the Communications we send you. You may update your email address on your Account profile page, by calling us at (888) 725-5475, or by contacting [email protected].

ACCESS TO YOUR ACCOUNT(S) In order to use certain features of the Website relating to your NPG Associates, LLC account(s) (“Account(s)”), you may need to create an online username and select a password. You are responsible for the security of your password and login credentials. You also agree that you are solely responsible for all actions under your login credentials, whether or not authorized by you, subject to applicable laws and the rules of any applicable payment network used to make payments on this Website. You must notify us immediately of any unauthorized use of your login credentials or password. NPG Associates, LLC is not liable for any loss or damage from your failure to comply with these requirements.

When registering for login credentials or otherwise providing information on the Website, you agree to (a) maintain the security of your password and login credentials; (b) provide accurate, current, and complete information as may be prompted by any forms available through the Website or