These Terms and Conditions ("Terms") govern the use of our services and the relationship between our company, you, and any third-party individuals or entities involved. This web page represents a legal document that serves as our Terms of Service and governs the legal terms of our website, www.arserv.com, sub-domains, and any associated web-based and mobile applications (collectively, “website”), as owned and operated by Armstrong and Associates, Inc. Please read these Terms carefully. By accessing or using our services, you agree to comply with and be bound by these Terms.
Capitalized terms used in these Terms of Service, unless otherwise defined, have the meanings set forth in the Definitions section below. These Terms of Service, together with our Privacy Policy, any mobile license agreements, and other guidelines posted on our website (collectively referred to as the "Legal Terms"), represent the entire and exclusive agreement between you and Armstrong and Associates, Inc. They supersede all prior agreements, representations, warranties, or understandings related to our Website and its content. We reserve the right to modify our Legal Terms at any time without providing specific notice to you. The most current version of our Legal Terms will be posted on our Website, and we encourage you to review them before using our Website. By continuing to use the Website after any changes are posted, you agree to be bound by the updated Legal Terms. Therefore, it is your responsibility to regularly check our Legal Terms to ensure you remain in agreement with them.
1. Definitions
"Agency", “us”, “we”, or “our” refers to “Armstrong and Associates, Inc.” the owners of the Website.
A “Visitor” is someone who merely browses our website but has not registered as a Member.
A “Member” is an individual that has registered with us to use our Service.
Our “Service” represents the collective functionality and features as offered through our Website to our Members.
A “User” is a collective identifier that refers to either a Visitor or a Member.
A “Client” is an organization that engages in business with Armstrong and Associates."
All text, information, graphics, audio, video, and data offered through our Website are collectively known as our “Content”.
2. Text Messaging
You agree that if you provide consent to receive text messages (SMS and/or MMS) that we may send text messages to communicate account statuses, account updates, reminders and alerts.
Message and data rates may apply for messages sent by you or that you may receive from us. Message frequency may vary based on account activity. For help reply HELP to any message you receive from us or contact us at 800-226-8470 or consumerinfo@arserv.com. You may unsubscribe from receiving text communications at any time by replying STOP to any message you receive from us. If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages. Wireless carriers and our service providers are not liable for undelivered or delayed messages.
3. Intellectual Property
Our Website may display service marks, trademarks, and logos owned by us, our affiliates, or third parties. These marks are protected by applicable trademark laws, and your use of our Website does not grant you any right or license to use them without prior written consent from the respective owner. Additionally, the content on our Website is protected by international copyright laws. Unauthorized copying, redistribution, use, or publication of any part of our Website is strictly prohibited. Your access to and use of our Website does not confer any ownership rights or interests in the Website or its content.
4. Agency’s Responsibilities
We agree to:
Professional Conduct: Conduct debt collection activities in a professional, ethical, and lawful manner, consistent with industry standards and applicable laws.
Confidentiality: Safeguard any confidential information provided by our Client in accordance with privacy laws, including HIPAA.
Debt Collection Efforts: Make reasonable efforts to recover outstanding debts through direct communication, negotiations, and legal means, as necessary and authorized by the Client.
5. Data Usage: Information provided to Armstrong and Associates, Inc. will be used solely for the purpose of debt collection and related services.
6. Communication and Disputes
Communication: All communication related to debt collection will be conducted via email, text, phone, or mail, as necessary with the Member.
Dispute Resolution: In the event of a dispute, we agree to research and provide validation of a debt to the Guarantor prior to continuing the collection process.
7.Compliance with Applicable Laws
Armstrong and Associates, Inc. and the Client agree to comply with all applicable laws, including but not limited to:
Fair Debt Collection Practices Act (FDCPA): Armstrong and Associates, Inc. will adhere to the guidelines set forth in the FDCPA to ensure that debt collection efforts are fair, respectful, and compliant with federal law.
HIPAA Compliance: Armstrong and Associates, Inc. will comply with the Health Insurance Portability and Accountability Act (HIPAA) to protect the privacy and security of patient health information.
State and Local Laws: Both parties will adhere to any applicable state and local debt collection regulations.
8. Governing Law
These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflicts of law principles.
9. Member Conduct
By using this website, you agree to conduct yourself lawfully, respecting all applicable regulations and the rights of others. Prohibited activities include harassment, threats, discrimination, hate speech, and sharing illegal, harmful, or inappropriate content. You must not attempt unauthorized access, distribute malware, or engage in impersonation, fraud, or any deceptive practices. All users are expected to maintain a respectful and lawful presence while interacting with the website and its community. If you encounter behavior or content that violates these terms, please report it to consumerinfo@arserv.com or at 800-226-8470. We are committed to investigating all reports promptly and fairly.
10.Customer Service
If you have any questions, comments, or concerns, please contact our customer service department, Monday through Friday by Contacting Us by telephone at 1-800-226-8470 or by email at consumerinfo@arserv.com; or (2) by postal mail to ATTN: Customer Service, Armstrong and Associates, Inc, PO Box 1787, Mobile, Alabama 36633.
11. Changes to Terms and Conditions
Armstrong and Associates, Inc. Reserves the right to modify or update these Terms at any time. Any changes will be posted on this page, and the effective date will be updated accordingly. Continued use of our services after any changes constitutes acceptance of those changes.
Last Updated: 11/14/2024