Terms and Conditions

WHAT IS THE STEVEN D. GERTLER & ASSOCIATES, LTD. ONLINE PAYMENT SYSTEM?

Steven D. Gertler & Associates Ltd. uses Integrity Payment System, LLC online payment system at no cost, a web-based system that allows account users with accounts serviced by Steven D. Gertler & Associates, Ltd. to authorize a one-time or multiple funds transfer from their credit card or debt card for the purpose of making a payment to your account on the date and in the amount specified by the user. The payment is directly authorized by Steven D. Gertler & Associates, Ltd. online payment system user based upon certain information provided to the firm by the user.

NOTICE

Steven D. Gertler & Associates, Ltd. requires that all users of the online payment system adhere to the following terms and conditions for the use of the online payment system. Please read the following information carefully. By authorizing payment to Steven D. Gertler & Associates, Ltd. via the Integrity Payment System, LLC online payment system you expressly acknowledge and accept all of the following terms and conditions of use. If you do not agree to be bound by the terms and conditions of use, please immediately exit the Steven D. Gertler & Associates Ltd. online payment system.

Our firm is acting as a collection agent for our client. Federal Law requires us to inform you that any information obtained during the online payment system process may be used for that purpose.

USER LIABILITY

If you believe that someone effectuated payment on your account from your FUNDING ACCOUNT via the Steven D. Gertler & Associates, Ltd. online payment services without your permission, you are required to contact Steven D. Gertler & Associates, Ltd. within two business days after you learn of the unauthorized transfer. Your failure to notify Steven D. Gertler & Associates, Ltd. within this time frame may increase your liability for the unauthorized transfer to as much as $500.00. Similarly, after reviewing your statement for your FUNDING ACCOUNT, if you discover unauthorized transfer(s) for your account, you are required to notify Steven D. Gertler & Associates, Ltd. of the unauthorized transfer(s) within 60 days after the statement was mailed to you. Your failure to so notify the firm within this time frame may increase your liability to the full amount of the transfer(s) after the 60 days. In the event of an unauthorized transfer for your active account from your FUNDING ACCOUNT, contact us at:

Steven D. Gertler & Associates, Ltd.

Suite 402

415 N LaSalle Drive

Chicago, Illinois 60654

(312)781-6868

YOU REMAIN RESPONSIBLE FOR THE TIMELY PAYMENT OF YOUR DEBT REGARDLESS OF YOUR USE OF THE STEVEN D. GERTLER & ASSOCIATES, LTD. ONLINE PAYMENT SYSTEM OR TRADITIONAL PAYMENT METHODS. IT IS SOLELY YOUR RESPONSIBILITY TO MONITOR YOUR ACCOUNT SERVICED BY OUR ONLINE PAYMENT PLAN AS WELL AS YOUR FUNDING ACCOUNT FOR THE PURPOSE OF MAKING SURE TIMELY PAYMENT WAS MADE ON YOUR ACCOUNT WITH OUR FIRM.

TERMINATION OF USE

By using the Steven D. Gertler & Associates, Ltd. online payment system and entering this site, you agree that your access to the online payment system may be immediately suspended : (1) if you do not agree to these Terms and Conditions of Use; (2) your use at anytime violates any of these Terms and Conditions of Use; or (3) your use results in 0 or more payments being returned for non-sufficient, insufficient, cancelled, stop-payment, or similar designations.

CONFIDENTIALITY

Steven D. Gertler & Associates, Ltd. will disclose the information you provide about your FUNDING ACCOUNT, transfer(s) you authorize via the online payment system, and in support of your authorization for the Steven D. Gertler & Associates, Ltd. online payment system transfer to third parties under the following circumstances: 1) where it is necessary for completing a transfer, 2) in order to comply with criminal justice agencies requests, subpoenas, lawful discovery under federal or state rules of civil and criminal procedure or court orders and, 3) if you give written permission to do so.

SECURITY

The security of the information you provide to facilitate your Steven D. Gertler & Associates, Ltd. online payment system transfer is very important to our firm. Steven D. Gertler & Associates, Ltd. requires that prior to initiating the online payment system transfer that a secure session first be established using Secure Socket Layer (SSL) technology. During a secure SSL session, your computer exchanges key information with Steven D. Gertler & Associates computers to create a private conversation that only your computer and Steven D. Gertler & Associates, Ltd. systems may understand.

CAPTURE AND RETENTION OF FUNDING ACCOUNT INFORMATION

Users hereby agree that if and when the user authorizes Steven D. Gertler & Associates, Ltd. to retain the users credit account number for use in future payment authorizations, that the user will completely shut down and exit from the Steven D. Gertler & Associates, Ltd. online payment system and website after authorizing payments via the online payment system to prevent the inadvertent use and/or theft of the stored information by unauthorized third parties. Please note that this information will be viewable by third parties with access to your account if any third parties access the online payment system. User agrees to indemnify and hold Steven D. Gertler & Associates, Ltd. harmless from any and all damages or harm resulting from the unauthorized access to the users bank/financial account number resulting from the users failure to comply with this or any other sections of the online payment system Terms and Conditions of Use.

USING THE STEVEN D. GERTLER & ASSOCIATES, LTD. ONLINE PAYMENT SYSTEM

Users may not authorize a Steven D. Gertler & Associates, Ltd. online payment system transfer to be effective on weekends. You can obtain confirmation of your Steven D. Gertler & Associates, Ltd. online payment system transfer after authorizing the transfer. The Steven D. Gertler & Associates, Ltd. online payment system enables you to preauthorize transfers and as such you have a right to cancel or revoke the authorization until 3 business days or more before the transfer is scheduled to be made. In the event you desire to cancel or revoke the authorization for student loan payment via transfer from your FUNDING ACCOUNT, you are able to delete pending requests through the View Payment Activity link in the Steven D. Gertler & Associates, Ltd. online payment system, or you can contact us at:

	Steven D. Gertler & Associates, Ltd.
	Suite 402
	415 N LaSalle Drive
	Chicago, Illinois 60654 (312)781-6868

For security reasons, the following limitations apply to all Steven D. Gertler & Associates, Ltd. online payment system transfers: 1) you shall make no more than 6 transfers from your FUNDING ACCOUNT every 30 calendar days, 2) no transfer from your FUNDING ACCOUNT may exceed $50,000, and 3) the online payment system may be utilized to make final payments or payments in full of your account.

AUTHORIZATION OF ELECTRONIC PAYMENT/REMINDER

User hereby agrees to notify Steven D. Gertler & Associated, Ltd. immediately if and when the users email address changes from the address the user provides to Steven D. Gertler & Associates, Ltd. as part of the users authorization to receive electronic payment reminders.

STEVEN D. GERTLER & ASSOCIATES, LTD. DISCLAIMER OF LIABILITY

If Steven D. Gertler & Associates, Ltd. does not complete a transfer to or from your FUNDING ACCOUNT on time or in the correct amount according to our agreement with you, Steven D. Gertler & Associates, Ltd. may be liable for your losses or damages. However, Steven D. Gertler & Associates, Ltd. will not be liable under the following circumstances:

1) if, through no fault of Steven D. Gertler & Associates, Ltd., you do not have enough money in your account to make the transfer;

2) if Steven D. Gertler & Associates, Ltd. was unable to effectuate the transfer because its system was not working properly and you knew about the system malfunction when you authorized the transfer;

3) if circumstances beyond Steven D. Gertler & Associates, Ltd. control such as but not limited to: natural disaster, flood, earthquake, fire, war, act of terrorism, and acts of third parties in violation of federal, state, or international law, render Steven D. Gertler & Associates, Ltd. unable to effectuate the transfer despite reasonable precautions under the circumstances;

4) you provide erroneous information in authorization for the transfer Steven D. Gertler & Association, Ltd. is in no way responsible for the submission of erroneous information by you and accepts as true and accurate the information you provide. Steven D. Gertler & Associates Ltd. assumes no responsibility for verifying the information you provide;

5) if, through no fault of Steven D. Gertler & Associates, Ltd., the financial institution at which you have your FUNDING ACCOUNT fails to effectuate the transfer, commits any errors during the transfer in any form whatsoever, or provides Steven D. Gertler & Associates, Ltd. with erroneous information.

Completion of an Steven Gertler & Associates, Ltd. online payment system transfer is contingent upon both the authorization of payment by the applicable financial institution and acceptance of your payment by Steven D. Gertler & Associates, Ltd. In the event that your transfer is unable to be processed, Steven D. Gertler & Associates, Ltd. will attempt to notify you at least once using the current contact information contained in the firms records. Steven D. Gertler & Associates, Ltd. shall not bear any responsibility in the event that your authorized Steven D. Gertler & Associates, Ltd. online payment system transfer is not completed and shall not extend credit under such circumstances.

STEVEN D. GERTLER & ASSOCIATES, LTD. IS NOT RESPONSIBLE OR LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES RELATED TO YOUR USE OF THE STEVEN D. GERTLER & ASSOCIATES, LTD. ONLINE PAYMENT SYSTEM.

CHOICE OF LAW AND VENUE

These terms and conditions are entered in the State of Illinois and shall be governed by and construed in accordance with the laws of the State of Illinois. Each party to these terms and conditions submits to the exclusive jurisdiction of the state and federal courts situate in the County of Cook in the State of Illinois and hereby waive any jurisdictional, venue, or inconvenient forum objections to such courts.

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