PLEASE READ THESE TERMS OF USE (the “Agreement”) CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE. Using this Site Constitutes Acceptance of a Legal Agreement. Northcash, (herein referred to as “Northcash”, “we”, “us”, and/or “our”) operates this website and the pages thereof (collectively, the “Site”) in order to provide information about and/or to deliver products and services offered by us. Please review the following basic rules that govern your use of our Site and also read our Privacy Policy regarding the information that you provide to us. We require all users and viewers of our Site to agree to the terms of this Agreement as a condition to accessing or using our Site. PLEASE NOTE BY ACCESSING THIS SITE YOU AGREE TO ABIDE BY THE TERMS OF THIS AGREEMENT. IF YOU DO NOT WISH TO AGREE TO THE TERMS OF THIS AGREEMENT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS SITE.
General
Northcash is an economic arm of the Ft. Belknap Indian Community, a federally-recognized Indian tribe located in Hays, Montana. The Tribe and its businesses have governmental sovereign immunity and have not and are not waiving that immunity for any purpose associated with the consumer lending business of Northcash and therefore Northcash is not subject to suit by you or any third-party for any reason. CAUTION: IF YOU ARE NOT COMFORTABLE DOING BUSINESS WITH A SOVEREIGN INDIAN TRIBE THAT IS NOT SUBJECT TO SUIT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS SITE. We may from time to time in our sole discretion and without notice to you modify the terms of this Agreement and/or change the rules that govern your use of our Site.
Your access to the Site
You represent that you are 18 years of age or older. If you are under 18 years of age, please do not enter your personal information. This Site is not directed at children, and we do not knowingly collect information from persons under the age of 18 years old.
Accounts, Passwords and Security
Certain features or services offered on or through the site may require you to open an account which includes setting up a User ID and Password. Northcash may assign you a customer extranet username and password to enable you to access and use certain portions of this Site. Each time you use a password or identification, you will be deemed to be authorized to access and use the Site in a manner consistent with the terms and conditions of this Agreement, and Northcash has no obligation to investigate the authorization or source of any such access or use of the Site. You agree to maintain the confidentiality of the information of the password and identification assigned to you, and the security and integrity of any information you download from our Site. YOU WILL BE SOLELY RESPONSIBLE FOR ALL ACCESS TO AND USE OF THIS SITE BY ANYONE USING THE PASSWORD AND IDENTIFICATION ASSIGNED TO YOU WHETHER OR NOT SUCH ACCESS TO AND USE OF THIS SITE IS ACTUALLY AUTHORIZED BY YOU, INCLUDING WITHOUT LIMITATION, ALL COMMUNICATIONS AND TRANSMISSIONS AND ALL OBLIGATIONS (INCLUDING WITHOUT LIMITATION FINANCIAL OBLIGATIONS) INCURRED THROUGH SUCH ACCESS OR USE. You shall immediately notify Northcash in writing at North Star Finance, LLC, PO box 498 Hays, MT 59527, of any unauthorized use of your password or identification or any other breach or threatened breach of this Site’s security. You may not use anyone else’s User ID, password or account at any time without the express permission and consent of the holder of that User ID, password or account.
Privacy and Collecting Information
Northcash may collect and store personally identifiable information about you if you voluntarily submit such information to Northcash. Personally identifiable information may include your name, e-mail address, physical address and other information that specifically identifies you. Northcash may use any personal information you supply through this Site in accordance with its Privacy Policy and applicable law. To view the Privacy Policy, . Northcash may also automatically collect (through cookies, described below, and other methods) and store aggregate or anonymous information about user contact with and use of the site. This information, which does not identify individual customers, is used by Northcash for its business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws. If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.
You acknowledge that by completing and submitting the website application, you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity, DataX and Factor Trust, and we may pull your credit in order to determine your eligibility and ability to repay.
Cookies
Northcash collects anonymous, non-confidential, and non-personal information when you use our Site, send us e-mails, or respond to special promotions or newsletters that we may send to you from time to time. For example, cookies are small computer files that we transfer to your computer’s hard drive that allow us to know how often someone visits a site and the activities they conduct while on that site. Every computer is assigned a different cookie by Northcash. The information collected by cookies helps us dynamically generate content on web pages and also allows us to statistically monitor how many people are using our site or are opening our e-mails. We may use cookie information to determine the popularity of certain content or advertisements.
Chat
In connection with any product or service Northcash may make interactive online chat (“Chat”) service available to you. Northcash provides the Chat service as a convenience to facilitate your understanding of Northcash’s products, services, and online applications related to those products or services. Our Chat service agents endeavor to provide you with accurate and current information based on your question or need. No communications during the Chat service shall be considered a legal agreement or warranty. You will not use the Chat service to send any abusive, defamatory, dishonest, or obscene message, and doing so may result in termination of the Chat service session.
Copyrights
All content included on this Site, including images, illustrations, designs, icons, photographs, video clips, audio clips, logos, button icons, software, written materials and other materials (collectively, the “Contents”) are the property of Northcash, a Ft. Belknap LLC, or its content suppliers and are protected by U.S. and international copyright laws. The Contents of our Site, and the Site as a whole, are intended solely for personal use by the users of our Site. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the Contents, the Site, or any related software.
Trademarks
Northcash and certain other marks and logos displayed on the web site are registered and common law trademarks of Northcash in the United States and other countries. The trademarks may not be used in connection with any product or service that is not authorized in writing by Northcash, in any manner. All other trademarks that appear on this site are the property of their respective owners, who are not affiliated with, or sponsored by us or our affiliates. User Comments, Feedback, Postcards and Other Submissions All comments, feedback, suggestions, ideas, and other submissions disclosed, submitted or offered to Northcash on or by this Site or otherwise disclosed, submitted or offered in connection with your use of this Site (collectively, “Comments”) shall be and remain Northcash property. Such disclosure, submission or offer of any Comments shall constitute an assignment to Northcash of all worldwide right, title and interest in and to all copyrights and other intellectual property rights in the Comments. Thus, Northcash will own exclusively all such right, title and interest and shall not be limited in any way in its use, commercial or otherwise, of any Comments.
Availability of Services
Not all of the products and services described in our Site are available in each State. In addition, the terms of the products and services differ depending upon the State. Where you reside may limit whether you qualify for certain products and services. In our sole discretion, we determine the eligibility requirements, including residency requirements, for any product or service we offer. The general description information on our Site is not a binding legal offer, and each product or services remains subject to our underwriting and eligibility requirements.
License and Site Access
Unless otherwise specified, this Site and the Contents thereof are displayed solely for the purpose of promoting and delivering Northcash’s products and services available in the United States. Northcash grants you a limited license to access and make personal use of this Site pursuant to the terms and conditions stated herein. Any unauthorized use terminates the permission or license granted by Northcash.
Entire Agreement
This Agreement constitutes the current, sole and entire agreement between you and us with respect to the use of the Site, and any and all prior “Terms of Use” with respect to the use of our Site are superseded by this Agreement. You acknowledge and agree that no oral representations, practice or course of dealing between you and us, shall vary, modify or amend the terms and conditions of this Agreement. Any failure to exercise, or delay by us in exercising, any right or remedy shall not operate as a waiver thereof.
Termination
This Agreement is effective until we terminate the Agreement. Northcash may terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Site, in Northcash’s absolute discretion.
International Access
This Site may be accessed from countries other than the United States. This Site may contain products and services or references to products and services that are not available outside of the United States. Any such references do not imply that such products will be made available outside the United States. If you access and use this Site outside the United States you are responsible for complying with your local laws and regulations.
General
Northcash is an economic arm of the Ft. Belknap Indian Community, a federally-recognized Indian tribe located in Hays, Montana. The Tribe and its businesses have governmental sovereign immunity and have not and are not waiving that immunity for any purpose associated with the consumer lending business of Northcash and therefore Northcash is not subject to suit by you or any third-party for any reason. CAUTION: IF YOU ARE NOT COMFORTABLE DOING BUSINESS WITH A SOVEREIGN INDIAN TRIBE THAT IS NOT SUBJECT TO SUIT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS SITE. We may from time to time in our sole discretion and without notice to you modify the terms of this Agreement and/or change the rules that govern your use of our Site.
Your access to the Site
You represent that you are 18 years of age or older. If you are under 18 years of age, please do not enter your personal information. This Site is not directed at children, and we do not knowingly collect information from persons under the age of 18 years old.
Accounts, Passwords and Security
Certain features or services offered on or through the site may require you to open an account which includes setting up a User ID and Password. Northcash may assign you a customer extranet username and password to enable you to access and use certain portions of this Site. Each time you use a password or identification, you will be deemed to be authorized to access and use the Site in a manner consistent with the terms and conditions of this Agreement, and Northcash has no obligation to investigate the authorization or source of any such access or use of the Site. You agree to maintain the confidentiality of the information of the password and identification assigned to you, and the security and integrity of any information you download from our Site. YOU WILL BE SOLELY RESPONSIBLE FOR ALL ACCESS TO AND USE OF THIS SITE BY ANYONE USING THE PASSWORD AND IDENTIFICATION ASSIGNED TO YOU WHETHER OR NOT SUCH ACCESS TO AND USE OF THIS SITE IS ACTUALLY AUTHORIZED BY YOU, INCLUDING WITHOUT LIMITATION, ALL COMMUNICATIONS AND TRANSMISSIONS AND ALL OBLIGATIONS (INCLUDING WITHOUT LIMITATION FINANCIAL OBLIGATIONS) INCURRED THROUGH SUCH ACCESS OR USE. You shall immediately notify Northcash in writing at North Star Finance, LLC, PO box 498 Hays, MT 59527, of any unauthorized use of your password or identification or any other breach or threatened breach of this Site’s security. You may not use anyone else’s User ID, password or account at any time without the express permission and consent of the holder of that User ID, password or account.
Privacy and Collecting Information
Northcash may collect and store personally identifiable information about you if you voluntarily submit such information to Northcash. Personally identifiable information may include your name, e-mail address, physical address and other information that specifically identifies you. Northcash may use any personal information you supply through this Site in accordance with its Privacy Policy and applicable law. To view the Privacy Policy, . Northcash may also automatically collect (through cookies, described below, and other methods) and store aggregate or anonymous information about user contact with and use of the site. This information, which does not identify individual customers, is used by Northcash for its business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws. If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.
You acknowledge that by completing and submitting the website application, you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity, DataX and Factor Trust, and we may pull your credit in order to determine your eligibility and ability to repay.
Cookies
Northcash collects anonymous, non-confidential, and non-personal information when you use our Site, send us e-mails, or respond to special promotions or newsletters that we may send to you from time to time. For example, cookies are small computer files that we transfer to your computer’s hard drive that allow us to know how often someone visits a site and the activities they conduct while on that site. Every computer is assigned a different cookie by Northcash. The information collected by cookies helps us dynamically generate content on web pages and also allows us to statistically monitor how many people are using our site or are opening our e-mails. We may use cookie information to determine the popularity of certain content or advertisements.
Chat
In connection with any product or service Northcash may make interactive online chat (“Chat”) service available to you. Northcash provides the Chat service as a convenience to facilitate your understanding of Northcash’s products, services, and online applications related to those products or services. Our Chat service agents endeavor to provide you with accurate and current information based on your question or need. No communications during the Chat service shall be considered a legal agreement or warranty. You will not use the Chat service to send any abusive, defamatory, dishonest, or obscene message, and doing so may result in termination of the Chat service session.
Copyrights
All content included on this Site, including images, illustrations, designs, icons, photographs, video clips, audio clips, logos, button icons, software, written materials and other materials (collectively, the “Contents”) are the property of Northcash, a Ft. Belknap LLC, or its content suppliers and are protected by U.S. and international copyright laws. The Contents of our Site, and the Site as a whole, are intended solely for personal use by the users of our Site. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the Contents, the Site, or any related software.
Trademarks
Northcash and certain other marks and logos displayed on the web site are registered and common law trademarks of Northcash in the United States and other countries. The trademarks may not be used in connection with any product or service that is not authorized in writing by Northcash, in any manner. All other trademarks that appear on this site are the property of their respective owners, who are not affiliated with, or sponsored by us or our affiliates. User Comments, Feedback, Postcards and Other Submissions All comments, feedback, suggestions, ideas, and other submissions disclosed, submitted or offered to Northcash on or by this Site or otherwise disclosed, submitted or offered in connection with your use of this Site (collectively, “Comments”) shall be and remain Northcash property. Such disclosure, submission or offer of any Comments shall constitute an assignment to Northcash of all worldwide right, title and interest in and to all copyrights and other intellectual property rights in the Comments. Thus, Northcash will own exclusively all such right, title and interest and shall not be limited in any way in its use, commercial or otherwise, of any Comments.
Availability of Services
Not all of the products and services described in our Site are available in each State. In addition, the terms of the products and services differ depending upon the State. Where you reside may limit whether you qualify for certain products and services. In our sole discretion, we determine the eligibility requirements, including residency requirements, for any product or service we offer. The general description information on our Site is not a binding legal offer, and each product or services remains subject to our underwriting and eligibility requirements.
License and Site Access
Unless otherwise specified, this Site and the Contents thereof are displayed solely for the purpose of promoting and delivering Northcash’s products and services available in the United States. Northcash grants you a limited license to access and make personal use of this Site pursuant to the terms and conditions stated herein. Any unauthorized use terminates the permission or license granted by Northcash.
Entire Agreement
This Agreement constitutes the current, sole and entire agreement between you and us with respect to the use of the Site, and any and all prior “Terms of Use” with respect to the use of our Site are superseded by this Agreement. You acknowledge and agree that no oral representations, practice or course of dealing between you and us, shall vary, modify or amend the terms and conditions of this Agreement. Any failure to exercise, or delay by us in exercising, any right or remedy shall not operate as a waiver thereof.
Termination
This Agreement is effective until we terminate the Agreement. Northcash may terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Site, in Northcash’s absolute discretion.
International Access
This Site may be accessed from countries other than the United States. This Site may contain products and services or references to products and services that are not available outside of the United States. Any such references do not imply that such products will be made available outside the United States. If you access and use this Site outside the United States you are responsible for complying with your local laws and regulations.