Central Lending - Terms & Conditions and Privacy Policy

SMS Text Messaging Terms & Conditions

Please read these SMS/Text Messaging Terms & Conditions carefully. By completing the SMS/Text

Messaging Opt-In Form, you expressly consent to receive non-marketing and marketing text messages

from Central Lending "LENDER", including text messages made with an Auto dialer, at the

mobile phone number(s) you provide.

You may opt-out of these communications at any time by replying STOP to any text message from

LENDER or by otherwise contacting the LENDER as indicated below. You can receive help at any time

by replying HELP to any text message from the LENDER or by otherwise contacting LENDER as

indicated below. Consent to receive non-marketing or marketing text messages is not required to

purchase any products or services from the LENDER. Messaging and data rates may apply. By

completing the SMS text Messaging Opt-In Form, you also accept and agree to be bound by these SMS

Text Messaging Terms & Conditions and any other applicable terms and agreements related to your use

of LENDER services.

Program Description

LENDER offers its text messaging program whereby LENDER, and any applicable service providers, will text message you to provide you with information concerning your account activity with LENDER and other LENDER products, services, and promotions (all of the foregoing the " LENDER Program"). LENDER and its service providers may, from time to time, use standard or an automatic telephone dialing system ("Auto dialer") to deliver text messages to you under the LENDER Program. You agree that you will not use the LENDER Program for any illegal or unlawful purposes.

Message Frequency

Under the LENDER Program, the number of LENDER text messages that you receive may vary depending upon your account activity and your communication with LENDER.

Cost

LENDER does not impose a separate fee for sending LENDER text messages under the LENDER Program. However, standard message and data rates may apply to each text message sent or received in connection with the LENDER Program, as provided in your mobile telephone service rate plan. Please contact your mobile telephone carrier for pricing plans and information.

Supported Carriers; Interruption

The LENDER Program should be available through your equipment or mobile device when the equipment or device is within the operating range of your wireless service provider. The LENDER Program may not be available on all equipment/mobile devices, or through all wireless carriers, and not all functionalities of the LENDER Program are available on all equipment/mobile devices, or through all wireless carriers. LENDER may, from time to time, in its discretion and without notice to you, limit the carriers that support the LENDER Program. Certain other carriers may not support the LENDER Program.

Delivery of information and content to your equipment/mobile device may fail due to a variety of circumstances or conditions. The LENDER Program is subject to transmission limitation or interruption. You understand and acknowledge that mobile network services are outside of LENDER 's control, and LENDER is not responsible or liable for issues arising therefrom, or the failure thereof, including, without limitation, technical, hardware, software, electronic, network, telephone or other communications malfunctions, errors or failures of any kind, errors in transmission, traffic congestion, lost or unavailable network connections, telephone connections, wireless phone connections, website, Internet, or ISP availability, unauthorized human intervention, traffic congestion, incomplete or inaccurate capture of entry information (regardless of cause) or failed, incomplete, garbled, jumbled or delayed transmissions which may limit or restrict your ability to receive or send a message, including any injury or damage to your or any other person's equipment/wireless device relating to or resulting from participating in or using the LENDER Program. If the LENDER Program is not available within your intended location, you agree that your sole remedy is to cease using the LENDER Program.

How to Opt-In

To opt-in to receive text messages from LENDER under the LENDER Program, complete the SMS/Text

Messaging Opt-In Form and submit it to LENDER. LENDER will then send you a text message

to confirm your enrollment in the LENDER Program.

How to Opt-Out

To STOP receiving text messages from LENDER, text STOP to the ten-digit long code from which the text messages are being sent. You will then receive confirmation of your opt-out of the LENDER text messaging program. You may also opt out by emailing Central Lending at tom@centrallending.com, or calling LENDER at 863-276-1220.

Your Mobile Telephone Number

You represent that you are the account holder for the mobile telephone number(s) that you provide or that you have the account holder's permission to enter the mobile telephone number(s) that you provide and that you will not initiate messages to the mobile phone of any other person or entity. You agree to maintain accurate, complete, and up-to date information with LENDER regarding your use of the LENDER Program, including, without limitation, notifying LENDER in writing immediately if you change, or cease being the regular user of, your mobile telephone number. You agree to indemnify LENDER in full for all claims, expenses, damages, and costs, including reasonable attorneys' fees, related to or caused in whole or in part by your failure to notify LENDER if you change your telephone number, or cease being the regular user of, including, but not limited to, all claims, expenses, damages, and costs related to or arising under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq.

Privacy

The LENDER’s Privacy Policy is available on our website at www.centrallending.com

Support/Help

To request more information, text HELP to the ten-digit long code from which the text messages are being sent. You may receive assistance by emailing Central Lending at tom@centrallending.com, or calling LENDER at 863-276-1220.

Changes to this SMS/Text Messaging Terms & Conditions

LENDER may revise, modify, or amend these Central Lending SMS/Text Messaging Terms & Conditions at any time. Any such revision, modification, or amendment shall take effect when it is posted to LENDER website. You agree to review these LENDER SMS/Text Messaging Terms & Conditions periodically to ensure that you are aware of any changes. Your continued consent to receive Central Lending text messages will indicate your acceptance of those changes.

Amendment; Termination of Text Messaging

Central Lending may suspend or terminate your receipt of Central Lending text messages if Central Lending believes you are in breach of these Central Lending SMS/Text Messaging Terms & Conditions. Your receipt of Central Lending text messages is also subject to termination in the event that your mobile telephone service terminates or lapses. Central Lending reserves the right to modify or discontinue, temporarily or permanently, all or any part of Central Lending text messages and the Central Lending Program, for any reason, with or without notice to you.

Release: No Warranties; Limitation of Liability

By participating in the LENDER Program, you agree to release and hold harmless LENDER and its representatives, agents, successors, assigns, employees, officers and directors, from any and all liability,

for loss, harm, damage, injury, attorneys' fees, cost or expense whatsoever including without limitation, property damage, personal injury and death that may occur in connection with the LENDER, or your use thereof, and for any claims, matters, or disputes based on violation of law or infringement or violation of any rights of any person or entity, including, without limitation, violation of publicity rights, defamation, or invasion of privacy.

THE LENDER PROGRAM IS PROVIDED AS IS, WHERE IS AND WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, WRITTEN, ORAL OR ARISING UNDER CUSTOM OR TRADE. LENDER DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSES AND NON-INFRINGEMENT.

In no event shall LENDER be liable to you, or to any third party, for any losses or damages whatsoever arising out of or resulting from the LENDER Program, or your use thereof, regardless of the theory of recovery, including, without limitation, direct, indirect, consequential, incidental or special damages, lost profits, punitive damages, attorney's fees or any damages arising out of or resulting from a statutory or regulatory violation, negligence, gross negligence, strict liability, tortious conduct, willful misconduct or fraud, breach of contract, or breach of warranty. To the extent this damage waiver is contrary to applicable law, your or any third party's maximum recovery for any losses or damages whatsoever arising out of or resulting from the LENDER Program, or your use thereof, regardless of the theory of recovery, is $10.00.

Arbitration/Class Action Waiver

ALL DISPUTES, MATTERS, OR CLAIMS BETWEEN YOU AND LENDER ARISING OUT OF OR RELATING IN ANY WAY TO THESE SMS/TEXT MESSAGING TERMS & CONDITIONS, ANY TEXT MESSAGES BETWEEN YOU AND LENDER OR ANYONE ACTING ON YOUR OR LENDER 'S BEHALF, OR THE LENDER PROGRAM, REGARDLESS OF THE THEORY OF LIABILITY OR RECOVERY, MUST BE RESOLVED SOLELY BY ARBITRATION CONDUCTED EXPEDITIOUSLY IN ACCORDANCE WITH THE AMERICAN ARBITRATION ASSOCIATION CONSUMER ARBITRATION RULES ("AAA RULES") BY A SOLE ARBITRATOR SELECTED BY THE PARTIES TO THE DISPUTE FROM THE NATIONAL OR STATE OF FLORIDA PANEL OF ARBITRATORS. ALL DISPUTES, MATTERS, OR CLAIMS BETWEEN YOU AND LENDER INCLUDES, WITHOUT LIMITATION, ANY ACTUAL OR ALLEGED STATUTORY OR REGULATORY VIOLATION, EQUITABLE CLAIM, NEGLIGENCE, GROSS NEGLIGENCE, STRICT LIABILITY, TORTIOUS CONDUCT, WILLFUL MISCONDUCT OR FRAUD, BREACH OF CONTRACT, BREACH OF WARRANTY, AS WELL AS ALL DISPUTES, MATTERS, OR CLAIMS ARISING OUT OF OR RELATING IN ANY WAY TO THE ARBITRATION/CLASS ACTION WAIVER PROVISION OR THE RELEASE: NO WARRANTIES; LIMITATION OF LIABILITY PROVISION.

This agreement to arbitrate is intended to be broadly interpreted, and expressly includes disputes, matters, or claims brought under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq., or any other statute, regulation, or legal or equitable theory. THIS PROVISION MUST CONSTRUED IN ACCORDANCE WITH, AND THE ARBITRATION MUST BE GOVERNED BY, THE FEDERAL ARBITRATION ACT (9 U.S.C. § One et seq.). ANY JUDGMENT UPON THE DECISION RENDERED BY THE ANY COURT HAVING JURISDICTION MAY ENTER ARBITRATOR. UNLESS OTHERWISE REQUIRED BY LAW, THE ARBITRATOR IS PROHIBITED FROM AWARDING DAMAGES IN EXCESS OF THE LIMITATIONS SET FORTH IN THESE SMS/TEXT MESSAGING TERMS & CONDITIONS.EITHER PARTY TO THIS AGREEMENT MAY COMMENCE ARBITRATION PROCEEDINGS BY DELIVERING TO THE OTHER PARTY A WRITTEN NOTICE IN ACCORDANCE WITH THE AAA RULES. ANY ARBITRATION HEARING SHALL BE HELD IN THE STATE OF IOWA, UNLESS THE PARTIES TO THE DISPUTE AGREE OTHERWISE. ANY JUDGMENT RENDERED BY ARBITRATION SHALL BE FINAL AND BINDING ON THE PARTIES, AND MAY BE ENTERED IN ANY COURT OF COMPETENT JURISDICTION. NOTWITHSTANDING ANY AAA RULES TO THE CONTRARY, THE AWARD OF THE ARBITRATOR MUST BE MADE NO LATER THAN THREE (3) MONTHS FOLLOWING THE DATE ON WHICH THE ARBITRATOR IS APPOINTED, UNLESS THE ISSUE IS THE SUBJECT OF LITIGATION BROUGHT BY A THIRD PARTY AND THE ARBITRATOR DEEMS IT APPROPRIATE TO DEFER ITS AWARD UNTIL THE LITIGATION IS RESOLVED.

The resolution of any claims, matters, or disputes must proceed solely on an individual basis without the right for any claims, matters, or disputes to proceed on a class action or collective basis or on bases involving claims, matters, or disputes brought in a purported representative capacity on behalf of others. The arbitrator's authority to resolve and make written awards is limited to claims, matters, and disputes between you and LENDER alone. Claims, matters, or disputes may not be joined or consolidated unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues, claims, matters, or disputes with anyone who is not a named party to the arbitration.

Attorney Fees

In the event of any claim, matter, or dispute between you and LENDER arising out of or relating in any way to these SMS/Text Messaging Terms & Conditions, any text messages between you and LENDER or anyone acting on your or LENDER 's behalf, or the LENDER Program, LENDER, if it prevails, must be awarded all costs of bringing or defending the claim, matter, or dispute, including, without limitation, reasonable attorneys' fees and the ordinary costs and expenses incurred in resolving the claim, matter, or dispute, including, without limitation, all arbitration related fees and expenses.

Applicable Law

The law of the State of FLORIDA including its statutes of limitations and without reference to any conflict of laws principles, shall be applied to any claim, matter, or dispute between the parties or when governing, constraining, or enforcing these SMS/Text Messaging Terms & Conditions, the LENDER Program, or any text messages between you and LENDER or anyone acting on your or LENDER 's behalf, or any of the rights, duties, or obligations of the parties arising from or relating in any way to the subject matter of these Terms & Conditions.

If you have questions regarding these SMS/Text Messaging Terms & Conditions, you may reach us by emailing Central Lending at tom@centrallending.com, or calling LENDER at 863-276-1220.

ONLINE PRIVACY POLICY AGREEMENT

April 1, 2023

Central Lending ( Central Lending) values its users' privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to assure those affiliated with Central Lending of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards. We reserve the right to make changes to this Policy at any given time. If you have not registered with us and want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If you are a registered user, we will notify you via email of any changes or updates made to this Policy. If at any point in time Central Lending decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner. This Policy applies to Central Lending, and it governs any and all data collection and usage by us. Through the use of www.centrallending.com, you are therefore consenting to the data collection procedures expressed in this Policy. Please note that this Policy does not govern the collection and use of information by companies that Central Lending does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and conditions of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected. Specifically, this Policy will inform you of the following:

1. What personally identifiable information is collected from you through our website; 2. Why we collect personally identifiable information and the legal basis for such collection; 3. How we use the collected information and with whom it may be shared; 4. What choices are available to you regarding the use of your data; and 5. The security procedures in place to protect the misuse of your information. Information We Collect It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services.

This website collects various types of information, such as:

● Voluntarily provided information which may include your name, address, email address, billing and/or credit card information etc. which may be used when you purchase products and/or services and to deliver the services you have requested.

● Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.

In addition, Central Lending may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service. Central Lending may also deem it necessary, from time to time, to follow websites that our users may frequent to gleam what types of services and products may be the most popular to customers or the general public. Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for in this Policy. Why We Collect Information and For How Long We are collecting your data for several reasons:

● To better understand your needs and provide you with the services you have requested; ● To fulfill our legitimate interest in improving our services and products;

● To send you promotional emails containing information we think you may like when we have your consent to do so; ● To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;

● To customize our website according to your online behavior and personal preferences. The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy. Use of Information Collected Central Lending does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties. Central Lending may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from www.centrallending.com Central Lending may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current, potential, or future services that may be offered. Central Lending uses various third-party social media features including but not limited to Meta, Facebook, Instagram, LinkedIn, TikTok, Google and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within Central Lending's control.

Disclosure of Information Central Lending may not use or disclose the information provided by you except under the following circumstances:

● as necessary to provide services or products you have ordered;

● in other ways described in this Policy or to which you have otherwise consented;

● in the aggregate with other information in such a way so that your identity cannot reasonably be determined;

● as required by law, or in response to a subpoena or search warrant;

● to outside auditors who have agreed to keep the information confidential; ● as necessary to enforce the Terms of Service on our website;

● as necessary to maintain, safeguard and preserve all the rights and property of Central Lending.

Non-Marketing Purposes Central Lending greatly respects your privacy. We do maintain and reserve the right to contact you if needed for nonmarketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Central Lending products and services, or changes to this Policy). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

Children under the age of 13

Central Lending's website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.

Unsubscribe or Opt-Out

All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to tom@centrallending.com. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. Central Lending will continue to adhere to this Policy with respect to any personal information previously collected. Links to Other Websites Our website does contain links to affiliate and other websites. Central Lending does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Policy applies only and solely to the information collected by our website. Notice to European Union Users Central Lending's operations are located primarily in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy. Security Central Lending takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the webpage. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control. The Company also uses Secure Socket Layer (SSL) for authentication and private communications to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information. Acceptance of Terms By using this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following proper notification or the posting of any updates or changes to our terms and conditions, shall mean that you agree and accept such changes.

How to Contact Us

If you have any questions or concerns regarding this Privacy Policy as it relates to our website, please feel free to contact us at the following email, telephone number or mailing address: Email: tom@centrallending.com Telephone Number: 863-276-1220 Mailing Address: Central Lending 100 S Kentucky Ave Ste 215 Lakeland, Florida 33801