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5 Star Car Title Loans (5 Star Loans, Inc., DBA)-SMS Policy

5 Star Car Title Loans (5 Star Loans, Inc., DBA) (hereinafter “5 Star”) communicates with its applicants and account holders via short message service (“SMS”) message or text message. If you provide 5 Star with your cellular telephone number and consent to receive SMS Statement Notifications and/or SMS Promotional Messages as described herein, you will receive SMS messages pursuant to the terms of this Policy (the “SMS Policy”).

Definitions

The words “us,” “our” and “we” refer to 5 Star and any of our agents, with whom we have contracted to market to you or otherwise communicate with you, including providing assistance to facilitate payments to your account(s).

The words “you” and “your” mean the applicant or the individual(s) identified on the account(s) you have with us.

“SMS Statement Notification” means any informational ortransactional SMS communication, or text message, from us to you pertaining to your application or account, including, but not limited to, application confirmation, account or payment information, due date reminders, or delinquent account notifications.

“SMS Promotional Message” means any promotional, marketing, or advertising message sent to you by us via SMS or text message.

Opt-In Consent

In order to sign you up for SMS Statement Notifications, we will ask you to provide your cellular telephone number.When applicable, a confirmation message will be sent to you to verify that you are in possession of the device for the cell number you provided, and to inform you of applicable Message & Data Rates and frequency for all subsequent SMS or MMS.

We will not send you SMS Promotional Messages unless we have your valid prior express written consent to do so, which we will collect at the time you provide us with your cellular telephone number. If you agree, we will send you SMS Promotional Messages via an automatic telephone dialing system or using artificial or prerecorded messages to the cellular telephone number you provide. You are not required to agree to receive SMS Promotional Messages as a condition of making any purchase or signing up for any service.

Opt-Out

You may cancel or otherwise withdraw your consent to receive SMS Statement Notifications by texting STOP to any message you receive. You may also cancel or otherwise withdraw your consent by calling us during our regular business hours: Monday through Saturday between 9am and 6pm at (510) 992-4050. At our option, we may treat your provision of an invalid cellular phone number, or the subsequent malfunction of a previously valid cellular phone number, as a withdrawal of your consent to receive SMS Statement Notifications. Any withdrawal of your consent to use SMS Statement Notifications will be effective only after we have a reasonable period of time to process your withdrawal.

You may cancel or otherwise withdraw your consent to receive SMS PromotionalMessages by any reasonable means, including by texting STOP in response to any SMS Promotional Message you receive, or by calling us directly at the number above.

We do not charge a fee to withdraw your consent to receive SMS Statement Notifications or SMS Promotional Messages.

To request additional information, text HELP in response to the message you receive or contact us by telephone at (510) 992-4050.

Your Responsibility to Update Your Records

It is your responsibility to provide us with a true, accurate and complete cellular telephone number and to maintain and update promptly any changes in this information. You can update your cellular telephone number by calling us during our regular business hours: Monday through Saturday between 9am and 6pm at (510) 992-4050, or by sending us an email at support@5starloans.com.

Hardware and Software Requirements

To receive SMS Statement Notifications that we make available to you, you must have:

▪A SMS-capable cellular phone;

▪An active cellular phone account with acommunication service provider that offers SMS services; and

▪Sufficient storage capacity on your cellular phone.

Communications in Writing

All SMS Statement Notifications in electronic format shall be considered a “writing” to the extent allowed by law.

Charges

There is no service fee for SMS Statement Notifications or SMS Promotional Messages, but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider.

Consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill.

Indemnity

You agree to indemnify, defend and hold us harmless from and against anyand all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a cellular telephone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of your enrollment in the SMS Statement Notification program and your consent to receive SMS Promotional Messages.

Limitation of Liability

SMS Statement Notifications are provided for your convenience only. We will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by your communication service provider.

Modifications

We may terminate our text messaging services, or modify such services from time to time, for any reason, and without notice.

We reserve the right to modify this SMS Policy from time to time without notice. Please review this SMS Policy from time to time so that you are notified timely of any changes.

If you have any questions about this SMS Policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us using the following information:

5 Star Car Title Loans

400 Oceangate Blvd Ste 520, Long Beach, CA 90802

support@5starloans.com

(510) 992-4050

Privacy Policy
5 Star Loans respects your privacy. We will not share or use your mobile number for any other purpose. We will only use the information you provide to transmit your text message. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us with information in connection with the Service, you agree to provide accurate, complete, and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If we, in our sole discretion, believe that any such information is untrue, inaccurate or incomplete, we may refuse you access to the Service and pursue any appropriate legal remedies.

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Applications submitted on this website may be originated by one of several lenders, including: 5 Star Loans, Inc., dba 5 Star Car Title Loans, a licensed lender in California; or one of our lending partners, including tribal lenders.
Loans originated by our lending partners will not be serviced by 5 Star Car Title Loans.
*Choosing a loan amount between $250 to $2000, will connect you to our lending partners who provide installment and payday loans.
Applicants must be at least 18 years of age (19 in Alabama). Loans not available in all states.
See State Disclosures for additional information.

1Approving loans depends on meeting the credit criteria of the lender, and may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc. This could also include offering certain assets as collateral. The actual loan amounts, terms and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer. 5 Star Car Title Loans® has no control over other lenders’ interest rates or payments.

Proceeds of the loan are meant to be mostly used for personal, household or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to pay the loan back.

2Filling in the application form can take five (5) minutes to finish. When completed, conditional approval could be given, even though review of documentation is pending. Final funding time begins from the time the request gets final approval after it has been received and reviewed, with all necessary documents, and signed before 2pm of your lender’s local time during a business day.

3Some lenders offer option to rescind. If the consumer chooses to exercise the right to rescind the application, the consumer(s) must send a written notification to the lender before midnight on the 3rd calendar day after receiving the loan. The consumer(s) needs to return all monies received and the fees paid on the consumer(s) behalf by certified funds within one business day.

4Car Title Loans are expensive, and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. We encourage and suggest that consumers pay often and early to avoid any additional finance charges.

For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.

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