TERMS AND CONDITIONS AND DISCLOSURES
CONSTAR FINANCIAL SERVICES, IS A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
This is the payment website of Constar Financial Services. The purpose of this payment website is to offer convenient and secure payment options. This website is maintained by Payscout which is an independent service provider to Constar Financial Services. Payments made through this website may incur a convenience fee for each transaction, where they are legally permissible. That fee will be displayed for your authorization prior to final submission of your payment. This includes payments made that utilize ACH (bank draft), credit card or debit card. This is a fee charged by Payscout. Constar Financial Services does not receive any part of the convenience fee charged by Payscout. If you do not wish to incur a convenience fee you may make payment by check, cashier’s check, money order, or cash and send same directly to Constar Financial Services, 10400 N. 25th Ave., Suite 100 Phoenix AZ 85021. In order to properly process your transaction, it is necessary that you complete all of the requested information.
If you have any questions or would like to talk to a live collection representative please call Constar Financial Services at (877) 341-3173 during standard business hours. Monday thru Friday 6:00AM-6:00PM MST, Saturday 6:00AM-10:00AM MST.
Refunds are not authorized for payments made on this website. If you believe a payment amount was processed in error, please contact our office at (877) 341-3173 to discuss the matter, which will be addressed on a case by case basis.
By submitting payment information through this website you agree to the terms and conditions of this Agreement and any documents incorporated by reference. You further agree that this Agreement forms a legally binding agreement between you and Constar Financial Services. By clicking on the “I Agree” and by clicking on the requested Payment Info, you are hereby accepting these terms and conditions and the stated fee for using this website.
IMPORTANT: Please make sure that you have correctly input your account number in the payment form. The information that is requested can be found on written correspondence from the Office of Constar Financial Services, 10400 N. 25th Ave., Suite 100 Phoenix AZ 85021. If you need assistance, please contact this office at (877) 341-3173.
Additional Terms & Conditions
The following terms and conditions ("Terms and Conditions") govern your use of this website. By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.
These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website to learn of changes to the Terms and Conditions since their last visit.
This website has been prepared and maintained solely for the purpose of providing a secure and convenient payment option. Without limiting the generality of anything else, Constar Financial Services and Payscout make no commitment, and disclaim any duty, to update this website or any of the information obtained through this website, and they shall not be responsible for any errors or omissions in the website. Constar Financial Services and Payscout reserve the right to add, modify or delete any information on this website at any time, with or without notice.
Copyright and Other Proprietary Information:
Website text, graphics, design, selection and arrangement copyright © Payscout, Inc. All rights reserved. Payscout also owns a copyright in the website as a collective work and/or compilation. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission of Payscout is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.
All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to Constar Financial Services or Payscout. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.
Disclaimers; Disclaimers Regarding Other Servers and Web Sites:
This website, the website materials on and in and made available through this website, and the services, information, and products offered by Constar Financial Services and Payscout in connection therewith are made available "as is" and "with all faults." Use of this website is entirely at your own risk. Constar Financial Services and Payscout makes no representations or warranties, and disclaims all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you.
Company shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will the total liability of Constar Financial Services and/or Payscout to you or any other person or entity in connection with, based upon, or arising from this website, the website materials on and in and made available through this website, or the services, information, or products offered in connection therewith exceed the price paid by you for use of this website.
Governing Law and Jurisdiction:
These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and Constar Financial Services and Payscout with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of the State of New Jersey, without reference to its conflict of law rules; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms and conditions of the applicability of one or more sections of the law.
Miscellaneous: Headings used in these Terms and Conditions are for reference only and shall not affect the interpretation of these Terms and Conditions (or the Privacy Notice). The waiver or failure of Constar Financial Services or Payscout to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. Constar Financial Services and Payscout reserve the right to terminate your access to this website in the event that you violate these Terms and Conditions or for any reason whatever or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.
Privacy Notice
This Privacy Notice sets forth the information gathering, use, and dissemination practices of Terms of Use and Legal Disclosures ("Company") in connection with the Website located at https://cfspay.com. This Privacy Notice addresses Constar Financial Services and Payscout practices regarding information collected only directly through or from its website - it does not address or govern any information gathering, use, or dissemination practices related to information collected other than directly through or from the website, including, without limitation, from or via telephone, facsimile, postal mail, personal delivery, or other or additional offline means or media.
In no event shall any disclosure be made where prohibited by applicable law, rule or regulation, including but not limited to the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Health Insurance Portability and Accountability Act.
IMPORTANT PRIVACY CHOICES FOR CONSUMERS
You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below. We will collect the IP Address for internal security and other proprietary purposes. We will do so even if you have included a Do Not Track request. We do not release this data outside of our environment nor utilize this data other than for internal purposes.
NOTE: The below information is not intended to be a complete list of rights consumers may have under State and Federal law.
Please be advised that the following state and municipal disclaimers are only applicable to consumers living in those states or municipalities.
California Residents
The state Rosenthal Fair Debt Collection Practices Act, and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
Colorado Residents
A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.
Constar Colorado Office: 3131 S Vaughn Way Suite 225 Aurora, CO 80014
(877) 968-2735
Connecticut Residents
This collection agency is licensed in Connecticut, License # CCA-943494, NMLS #943494
District of Columbia
You have the right to request all of the following concerning your debt:
(1) Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
(4) The date that your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.
You may request the above information by contacting us by phone, mail, or email, at the following: (877) 968-2735, 10400 N 25th Ave, Ste. 100, Phoenix, AZ 85021, inquires@constarfinancial.com
Massachusetts Residents
You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the creditor.
Minnesota Residents
This collection agency is licensed by the Minnesota Department of Commerce.
New York Residents
Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers’ compensation benefits; 8. Public or private pensions; 9. Veterans’ benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or salary earned in the
last sixty days. N.Y. Comp. Codes R. & Regs. tit. 23, § 1.2(a) (2014).
City of Buffalo Residents This collection agency is licensed by the City of Buffalo, NY license #549716
City of Yonker Residents This collection agency is licensed by the City of Yonkers, NY license #9127
New York City Residents This collection agency is licensed by New York City Department of Consumer Affairs, License # 1223510-DCA This collection agency does not provide any language access services. NYC DCWP translation and description of commonly used debt collection terms can be located on the department’s website: www.nyc.gov/dca.
North Carolina Residents
This collection agency is licensed by the North Carolina Department of Insurance Company #: 119503476
Tennessee Residents
This collection agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.
PRIVACY NOTICE
Collecting Information
- Information we receive from you on applications or other forms, including name, mailing address, e-mail address, social security number, telephone number, and information about your financial status, such as employment, income, monthly expenses, and assets;
- Information from transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records;
- Information from consumer credit reporting agencies, such as information relating to your credit-worthiness, your credit score and credit usage;
- Information we purchase from other companies that provide data assembled from public databases; and,
- Information that we obtain from outside sources such as data from public records or from the Internet.
Sharing Information
- We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law
- We do not sell or share your information with outside companies who may want to offer you products or services.
- Certain federal and state statutes may require us to disclose certain information about you. For example, if you are involved in litigation, we may be ordered to provide information to a court. In these circumstances, only the specific information required by law, subpoena, or court order will be disclosed.
- We may disclose information we have about you to regulatory authorities and law enforcement officials.
Security
- We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the requested loan origination services to you and servicing of your account.
- We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
