CreditNexus 360

Text Message Terms and Conditions

Last updated January 2024

© CreditNexus 360

These CreditNexus 360 Text Message Terms and Conditions ("Text Message Terms") are between you and CreditNexus 360, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) ("CreditNexus 360," "we" or "us"), with a principal place of business at 5719 Raleigh Lagrange Rd Ste 8, Memphis, TN 38134, USA. The Text Message Terms have the same effect as an agreement in writing and govern your participation in CreditNexus 360’s Text Message Program. CreditNexus 360’s "Text Message Program" includes sending text message(s) to CreditNexus 360 and/or receiving text message(s) from CreditNexus 360.

BY PARTICIPATING IN CREDITNEXUS 360’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE TEXT MESSAGE TERMS.

CreditNexus 360’s Privacy Policy and Terms of Use apply to your participation in CreditNexus 360’s Text Message Program, and their terms are made a part of the Text Message Terms. By participating in CreditNexus 360’s Text Message Program you acknowledge you have reviewed CreditNexus 360’s Privacy Policy and Terms of Use and agree to their terms.

BY PARTICIPATING IN CREDITNEXUS 360’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND CREDITNEXUS 360 ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND CREDITNEXUS 360, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OF FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TEXT MESSAGE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE TEXT MESSAGE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH CREDITNEXUS 360. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST CREDITNEXUS 360 IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST CREDITNEXUS 360 IN ANY JURISDICTION IN THE UNITED STATES. CREDITNEXUS 360 WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Text Message Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Text Message Terms). The arbitrator shall have authority to interpret the Text Message Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Text Message Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Text Message Terms. You agree that the Text Message Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Text Message Terms is governed by the laws of the state of Tennessee as they apply to agreements made solely therein. This Arbitration Clause shall survive termination of the Text Message Terms.

About the Text Message TermsIf you do not agree to the Text Message Terms, you may not participate in CreditNexus 360’s Text Message Program. CreditNexus 360 may modify the Text Message Terms at any time. If you do not agree to the changes, you must discontinue your participation in CreditNexus 360’s Text Message Program before the changes take effect. Your continued participation in CreditNexus 360’s Text Message Program after any such changes take effect constitutes your acceptance of such changes. Each time you participate in CreditNexus 360’s Text Message Program you reaffirm your acceptance of the Text Message Terms. The Text Message Terms may be supplemented by additional terms and conditions and, together with these Text Message Terms and the CreditNexus 360 Privacy Policy and Terms of Use, govern your participation in CreditNexus 360’s Text Message Program.

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