Terms and Conditions
These Terms and Conditions ("Terms") govern the use of the website operated by American Collection Services, Inc. ("ACS," "we," "us," or "our") at americancollectionservices.com (the "Website").
By accessing or using the Website, you agree to these Terms. These Terms apply only to use of the Website and are not intended to modify any rights or obligations arising under applicable federal or state law.
1. About American Collection Services
American Collection Services, Inc. is a debt collection agency that provides collection and account-recovery services to businesses and organizations.
The Website provides information about ACS and its services and may provide access to features that allow visitors to contact ACS, request information about our services, access consumer account information, and make payments.
2. Consumers and Collection Accounts
If ACS is communicating with you regarding a debt, your use or non-use of this Website does not modify the underlying debt or any rights or obligations you or ACS may have under applicable law.
Nothing contained on this Website or in these Terms is intended to waive, limit, expand, or modify any rights or obligations under the Fair Debt Collection Practices Act ("FDCPA"), Regulation F, the Fair Credit Reporting Act ("FCRA"), applicable state law, or any other applicable law.
Accessing the Website, viewing account information, or using Website functionality does not, by itself, constitute an acknowledgment or admission regarding the validity, amount, ownership, or enforceability of any debt.
If you believe information concerning an account is incorrect, the account does not belong to you, or you otherwise wish to communicate with ACS regarding an account, please contact us.
3. Account Access and Security
Certain features accessible through the Website may allow consumers to access information concerning accounts being handled by ACS.
You agree to provide accurate information when attempting to access an account and not to knowingly access or attempt to access information concerning another person's account unless you are legally authorized to do so.
ACS and its service providers may use reasonable identity-verification, authentication, security, and fraud-prevention measures before providing access to account information.
You are responsible for maintaining the confidentiality of any credentials or information used to access account-related services.
4. Payments
The Website may provide access to services that allow consumers to make payments or establish payment arrangements.
Payment functionality may be provided through third-party payment-processing or account-management systems. Additional disclosures, authorizations, or terms may be presented when using those services.
You are responsible for providing accurate payment information and ensuring that you are authorized to use the payment method provided.
Submission of payment information does not necessarily mean that a payment has been successfully completed. Payments may be subject to authorization, processing, settlement, return, reversal, or other actions by financial institutions or payment processors.
If you believe a payment was processed incorrectly or experience a problem making a payment, please contact ACS.
Nothing in these Terms alters any rights or obligations concerning payments that exist under applicable law or an account-specific agreement.
5. Electronic Communications
ACS may communicate with consumers by telephone, mail, email, text message, or other communication methods as permitted by applicable law.
Debt-collection communications are subject to applicable federal and state laws, including requirements concerning the methods, times, places, frequency, and content of communications.
Where applicable, electronic communications from ACS will provide information regarding available methods for opting out of further electronic communications to the applicable email address, telephone number, or other electronic address.
For text messages, consumers may follow the opt-out instructions contained in the applicable message, which may include replying STOP.
Consumers may also communicate preferences or requests regarding communications directly to ACS.
Nothing in these Terms constitutes consent to receive telephone calls, text messages, emails, prerecorded messages, artificial-voice calls, or other communications where consent is required by applicable law.
Message and data rates may apply to text messages depending on your wireless carrier and service plan.
6. Third-Party Services
The Website may contain links to or provide access to websites, portals, payment systems, account-access systems, or other services operated by third parties.
When you access a third-party service, you may be subject to that provider's terms, privacy policy, and security practices.
ACS does not control unaffiliated third-party websites or services and is not responsible for their content, availability, privacy practices, or security except to the extent responsibility is imposed upon ACS by applicable law.
7. Website Information
ACS makes reasonable efforts to provide accurate and current information on the Website. However, Website information may occasionally contain errors, omissions, or outdated information.
General information appearing on the Website should not be considered a substitute for account-specific information, notices, statements, contracts, court records, or other applicable documents.
If Website information concerning a particular account appears inconsistent with information provided directly by ACS or the applicable creditor, please contact ACS for clarification.
ACS may correct, modify, update, or remove Website content at any time.
8. Acceptable Use
You may not use the Website:
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For unlawful, fraudulent, deceptive, or malicious purposes;
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To impersonate another person or misrepresent your identity or authority;
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To access or attempt to access another person's information without authorization;
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To gain unauthorized access to the Website, computer systems, networks, accounts, or data;
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To interfere with the security, availability, or operation of the Website;
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To introduce viruses, malicious code, automated attacks, or other harmful technology;
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To circumvent authentication or security measures;
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To systematically collect or scrape Website information without authorization; or
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In any manner that violates applicable law or the rights of another person.
ACS may take reasonable measures to protect its Website, systems, information, consumers, clients, employees, and service providers from unauthorized or abusive activity.
9. Intellectual Property
Unless otherwise indicated, the Website and its content, including its text, graphics, logos, design elements, images, and other materials, are owned by or licensed to American Collection Services, Inc. and are protected by applicable intellectual-property laws.
Website content may be viewed and used for legitimate personal or business informational purposes.
You may not reproduce, distribute, modify, publish, sell, commercially exploit, or create derivative works from Website content without authorization from ACS except as permitted by applicable law.
10. Privacy
Use of the Website is also subject to our Privacy Policy, which explains ACS's practices regarding information collected through the Website.
The Privacy Policy primarily concerns Website-related information and does not necessarily describe all information ACS receives or processes in connection with collection accounts.
11. Website Availability and Security
ACS makes reasonable efforts to maintain the Website and its security but does not guarantee that the Website will always be available, uninterrupted, error-free, or completely secure.
Website availability may be affected by maintenance, technical problems, third-party service providers, cybersecurity measures, internet outages, or circumstances beyond ACS's reasonable control.
ACS may modify, suspend, restrict, or discontinue Website functionality when reasonably necessary.
12. Disclaimer
To the extent permitted by applicable law, the Website and its general informational content are provided on an "as is" and "as available" basis.
ACS makes no guarantee that the Website will be uninterrupted, error-free, or free from harmful components.
Nothing in these Terms excludes, limits, or modifies any warranty, duty, obligation, consumer protection, or other right that cannot lawfully be excluded, limited, or modified.
13. Limitation of Liability
To the extent permitted by applicable law, ACS will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from use of or inability to use the Website.
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited.
Nothing in this section or elsewhere in these Terms waives, restricts, limits, or modifies any rights or remedies available under the FDCPA, FCRA, Regulation F, applicable state law, or other applicable law.
14. No Waiver of Consumer Rights
Nothing contained in these Terms or on the Website is intended to:
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Waive any right provided to a consumer by applicable law;
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Restrict a consumer's right to dispute a debt;
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Restrict any applicable right to request validation or information regarding a debt;
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Alter legal restrictions governing debt-collection communications;
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Create an acknowledgment or admission regarding a debt merely because a consumer visits or uses the Website;
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Require payment as a condition of exercising a right provided by applicable law; or
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Limit any right or remedy that cannot lawfully be waived or limited.
ACS's collection activities remain subject to applicable federal and state laws regardless of these Terms.
15. Governing Law
To the extent permitted by applicable law, matters relating specifically to the operation and use of this Website and these Terms will be governed by applicable federal law and the laws of the State of Oklahoma, without regard to conflict-of-law principles.
Nothing in this provision is intended to deprive any person of rights or protections provided by otherwise applicable law.
16. Changes to These Terms
ACS may update these Terms periodically to reflect changes in the Website, technology, business practices, or applicable requirements.
When these Terms are updated, the "Last Updated" date at the top of this page will be revised.
Changes will apply prospectively to use of the Website following publication, except as otherwise required by applicable law.
17. Contact Us
Questions regarding these Terms or the Website may be directed to:
American Collection Services, Inc.
3100 SW 59th Street
Oklahoma City, OK 73119
Phone: (405) 682-8088
Email: info@americanokc.com