Terms of Use

Effective Date: October 2025

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PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE.

This website and all related content (collectively, the “Site”) are provided by Standard Acceptance Inc. (“Standard Acceptance,” “we,” “us,” or “our”) subject to your agreement to these Terms of Use (the “Agreement”).

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By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site immediately.

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Standard Acceptance reserves the right to revise or update these Terms at any time without prior notice. The date of the most recent update will appear at the top of this page. Your continued use of the Site following any updates constitutes your acceptance of the revised Terms.

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General Information

The materials and information provided on this Site (“Materials”) are offered for general informational purposes only. Nothing on this Site constitutes legal, financial, or professional advice. Use of this Site does not create any contractual or fiduciary relationship between you and Standard Acceptance.

Unsolicited information submitted to Standard Acceptance through this Site, including emails or uploaded files, does not create a relationship with us, will not be treated as confidential, and may be used or disclosed consistent with our Privacy Policy.

We reserve the right to modify, suspend, or discontinue the Site or any portion thereof at any time without notice. Standard Acceptance shall not be liable for any such modification, suspension, or discontinuation.

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1. SMS Messaging Terms

By providing your mobile telephone number and electing to receive text messages from Standard Acceptance Inc. ("Standard Acceptance," "we," "our," or "us"), you agree to these SMS Messaging Terms.

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Standard Acceptance may send transactional text messages related to your account and use of our services, including:

• One-time passcodes (OTP)

• Multi-factor authentication (MFA) verification codes

• Login verification messages

• Password reset verification messages

• Account security notifications

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SMS messages are used solely for account authentication and security purposes and are not used for marketing or promotional communications.

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User Consent

Users may elect to receive SMS messages by selecting SMS as an authentication method and providing a mobile telephone number during the account verification or authentication process. By doing so, you expressly consent to receive transactional text messages from Standard Acceptance at the mobile number provided.

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Consent to receive SMS messages is not a condition of obtaining credit, products, or services from Standard Acceptance.

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Message frequency varies based on your account activity and authentication requests. Messages are generally sent only when you initiate a login, password reset, account verification, or other security-related event.

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Message and data rates may apply. Check with your wireless carrier for details regarding your messaging plan.

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Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP to any text message received from Standard Acceptance.

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After opting out, you may no longer be able to use SMS as an authentication method and may be required to use an alternative verification method to access your account.

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To re-enroll, follow the account authentication enrollment process again or reply START if supported.

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Help Instructions

For assistance, reply HELP to any message or contact Standard Acceptance Customer Service.

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Supported Carriers

SMS message delivery is subject to effective transmission by your wireless carrier. Standard Acceptance is not responsible for delayed or undelivered messages.

 

Privacy

Your privacy is important to us. Please review our Privacy Policy for information regarding the collection, use, and protection of your information.

 

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with any third parties except as necessary to provide messaging services, comply with applicable law, or protect the rights, property, or safety of Standard Acceptance and its users.

 

Changes to SMS Terms

Standard Acceptance reserves the right to modify these SMS Messaging Terms at any time. Any updates will become effective upon posting to this website.

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2. Rules of Conduct

By using this Site, you agree to comply with all applicable laws, regulations, and these Terms. You further agree that you will not:

• Use the Site for any fraudulent, unlawful, or abusive purpose.

• Misrepresent your identity or affiliation with any person or entity.

• Interfere with, disrupt, or attempt to gain unauthorized access to the Site, its systems, or connected networks.

• Transmit any virus, malware, spyware, or other harmful code.

• Harvest or collect personally identifiable information about others without consent.

• Use the Site to send unsolicited communications or advertising.

• Frame, mirror, scrape, or deep-link any portion of the Site without prior written authorization.

• Reverse engineer, decompile, or disassemble any portion of the Site.

• Use the Site in a manner that could disable, overburden, or impair its function or interfere with another’s use of it.

• Attempt to gain unauthorized access to any data, system, or network connected to Standard Acceptance.

• Violation of these provisions may result in termination of your access to the Site and may subject you to civil or criminal penalties.

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3. Ownership and Intellectual Property

All content on this Site, including text, design, graphics, logos, icons, and software, is the property of Standard Acceptance Inc. or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to view and print pages from the Site for personal, non-commercial use only, provided that all copyright and proprietary notices remain intact.

Except as expressly permitted above, you may not copy, reproduce, distribute, transmit, display, perform, modify, or create derivative works from the Site or its content without prior written authorization from Standard Acceptance.

All trademarks, trade names, and service marks appearing on the Site are the property of Standard Acceptance Inc. or their respective owners. No license or right to use any trademark is granted without prior written consent.

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4. No Warranties

The Site and all content are provided “as is” and “as available.”
Standard Acceptance makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or availability of the Site or the Materials, or that the Site will be error-free, secure, or free from interruption or harmful components.

To the fullest extent permitted by law, Standard Acceptance disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and title.

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5. Limitation of Liability

To the fullest extent permitted by applicable law, Standard Acceptance Inc., its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with your use or inability to use the Site or its content, even if we have been advised of the possibility of such damages.

Your sole and exclusive remedy for dissatisfaction with the Site or any of its content is to stop using the Site.

Some jurisdictions do not allow limitations on certain damages; in such cases, our liability shall be limited to the maximum extent permitted by law.

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6. Links to Third-Party Sites

The Site may include links to external websites or resources not operated by Standard Acceptance. We provide these links for convenience only and do not endorse or assume responsibility for the content, products, services, or privacy practices of such sites. Accessing linked websites is at your own risk.

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7. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and safeguard information. By using the Site, you consent to the practices described therein.

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8. Indemnification

You agree to defend, indemnify, and hold harmless Standard Acceptance Inc., its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, your violation of this Agreement, or your infringement of any rights of a third party.

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9. Termination

Standard Acceptance reserves the right, in its sole discretion, to suspend or terminate your access to the Site at any time and for any reason, including if we believe you have violated these Terms. Upon termination, all rights granted to you under this Agreement will immediately cease.

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10. Governing Law and Jurisdiction

This Agreement and your use of the Site shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict-of-law principles. Any dispute arising from or relating to this Agreement shall be brought exclusively in the state or federal courts located in Wyoming. You consent to the personal jurisdiction and venue of such courts.

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11. Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

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12. Entire Agreement

This Agreement constitutes the entire understanding between you and Standard Acceptance Inc. concerning the subject matter herein and supersedes all prior agreements, representations, or communications.

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13. Contact Information

If you have any questions about this Agreement or your use of the Site, please contact us at:

Standard Acceptance Inc.
1603 Capitol Ave #415
Cheyenne, WY 82001-4562
Phone: (877) 779-4828
Email: info@standardacceptance.com

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Communication from a Debt Collector

This website and any related communications may constitute an attempt to collect a debt, and any information obtained will be used for that purpose.

Standard Acceptance Inc. and its agents conduct all collection activities in compliance with the Fair Debt Collection Practices Act (FDCPA) and applicable state laws.

If you are represented by an attorney, please direct all communications to your attorney.