Terms and Conditions: Online and Mobile
"Service" means the Regional Acceptance Corporation ("Regional") Customer Payment Portal service and any other online product or service offered through Regional’s website in which you have enrolled, which allows you to electronically access Account (as defined below) and transaction information and view statements or other disclosures on a personal computer or wireless device. The words "we", "us", and "our" refer to Regional Acceptance Corporation and any agent, independent contractor, designee or assignee that Regional may, in its sole discretion, involve in the provision of the Service. The words "you" and "your" mean the individual(s) or entity(ies) using the Service. As used in this Agreement Regarding Online Services ("Agreement"), "Account" means the account(s) you have with Regional.
This Agreement between you and Regional governs your use of the Service. By subscribing to the Service or using the Service, you agree to the terms of this Agreement. Please read this Agreement carefully and in its entirety. We suggest that you print a copy of this Agreement.
- The Service
You may use an electronic device to access the Service, and can use the Service to make payments or direct us to make payments to your Regional Account(s). You may also access Account and transaction information on your eligible Account. Not all Regional accounts are eligible for electronic payments using the Service. You may access the Service using the Regional website. You agree that you will use the Service, and any products or services received as a result of your use of Service, in a manner consistent with this Agreement. We may also add, modify, or delete any feature of the Service in our sole discretion. We may, but are not required to, provide you with notice of any change or termination in the Service. We may, but are not required to, send you notice when new features are added to or changed on the Service.
You agree to indemnify and hold Regional and all third party content providers which provide content for the Service (either through links or otherwise), harmless from any loss, including reasonable attorney’s fees, related to any claim made by any third party relating to content you submit, post to or transmit through the Service, your use of the Service, your connection to the Service, your violation of this Agreement, and any harm you cause another user of the Service.
- Software and Hardware Requirements
You may access the Service using the Regional website.
For your security, you should run up-to-date virus and spyware protection software on your personal computer. You should also have a personal firewall installed and up to date. Finally, you should keep your operating system patched and up to date as well.
- Internet Explorer
- Windows 10
- Windows 8
- Windows 7
- Windows Vista
- Windows XP
- Max OS
You may use any Internet capable device or personal computer to access the website.
Documents available for viewing require Adobe Acrobat Reader.
User ID and Password
You will be asked to provide a valid email address as your personal user ID, and a password consisting of alpha-numeric characters, which you will use to obtain access to your Account(s) at Regional. User IDs and passwords must not contain any special characters (i.e. asterisk*, or colon :). If you have multiple accounts, you will use one user ID and password to access all accounts. You authorize us to follow any instructions entered through the Service using your user ID and password. Because your user ID and password can be used to access money in your Account(s) and to access information about these Account(s), you should treat your user ID and password with the same degree of care and secrecy that you use to protect your ATM Security code and other sensitive financial data. We may ask you to change your user ID and password from time to time for security reasons. You agree not to use any language that is abusive, harassing, libelous, defamatory, obscene, or threatening when defining your user ID or any other personalization of your Account(s).
Additional Security Measures
In addition to your user ID and password, we may ask you to create and provide responses to additional authentication questions that only you and Regional Corporation will know in order to verify your identity. You will be asked to create these questions and responses one time and will be presented with a question and prompted for a response at random when you access the Service. These questions and your correct responses help us to provide stronger protection of your account information. We reserve the right to prevent access to the Service for security reasons or if we suspect fraud. You agree to cooperate with us in the investigation and prosecution of any person who has obtained and used your user ID and password without your authorization. Regional does not and will not assume any liability for unauthorized or fraudulent use of the Service.
You agree not to give or make available your user ID, password, or Account number(s) to any person who is not authorized to access your Account(s). If someone to whom you have granted authority to use your user ID and password exceeds such authority, you are fully liable for all transfers and payments made by such person until you have notified us that you have terminated the authority granted to such person and have given us a reasonable period of time to act upon such notice. We may require that you put such notice in writing. Upon receipt of such notice, we may require you to immediately change your user ID and password, and to identify the person or persons you believe to have exceeded such authority.
We reserve the right to refuse to allow you to use the Service. Any user of this Service shall comply with all applicable laws and regulations, including the laws and regulations administered by the US Treasury Office of Foreign Assets Control (OFAC).
- Balance Inquiries
You may use the Service to check the balance of your Account(s). The balances shown may differ from your records because they may not include recent payments or charges. No fee is charged by Regional for access to the Service.
You may make payments through the Service to your Regional Account(s). If available, you can set up automatic payment of your Account(s) from a checking account via ACH or via credit card. You may schedule payments to be processed on the day that you schedule a payment, on a future date, or on the same date each month, subject to the restrictions in this Agreement.
- Stopping or Modifying Payments
You cannot use the Service in order to change a scheduled recurring payment. You can only change a recurring payment by calling Regional’s Customer Support Department at 866-644-7687. If you call us, we may also require you to put your request in writing and send it to us within fourteen (14) days after you call us.
- Cut-off Time for Payments Made by Credit Card, Debit Card or Bank Account
Credit card, debit card and one-time bank account payments made before 11:00 pm Eastern Time, on a day that is not the last day of the month will post to the Account on the same day. Payments made after 11:00 pm Eastern Time, on a day that is not the last day of the month will post to the Account on the next day.
Credit card, debit card and one-time bank account payments made before 11:45 pm Eastern Time, on the last day of the month will post to the Account on the same day. Payments made after 11:45 pm Eastern Time, on the last day of the month will post to the Account on the next day.
- Communications Consent
You agree that Regional and any of its affiliates, agents or service providers may call you, leave you a voice prerecorded, or artificial voice message, or send you an email, or other electronic message for any purpose related to the servicing and collection of your Account(s) with Regional, for surveys or research or for any other informational purpose related to your Accounts(s) with Regional (each a “Communication”). You agree that Regional and any of its affiliates, agents or service providers may call you at any telephone number associated with your Account(s), including cellular telephone numbers, and may send an email to any email address associated with your Account(s), including any phone numbers, email addresses or any other contact information provided by you regarding your use of the Service. You also agree that Regional and any of its affiliates, agents or service providers may include your personal information in a Communication and may conduct a Communication using an automatic telephone dialing system. Regional will not charge you for a Communication, but your service provider may. In addition, you understand and agree that Regional and any of its affiliates, agents or service providers may always communicate with you in any manner permissible by law that does not require your prior consent.
- Change in Email Address
If the email address you provide to Regional regarding the Service should change, you must contact Regional immediately at 866-644-7687 or through the Service. Regional is not responsible for communications or other information that is not received by you due to you not having an updated email address on file. Regional is not responsible for any fees or delinquency status that you may incur because your communication is not received. You are still responsible for making your monthly payments due to Regional on or by the contractual due date.
- How to Withdraw Consent/Termination
You may terminate your use of the Service by providing notice at least ten (10) days prior to the date on which you wish to have your Service terminated. You may terminate it by contacting us at 866-644-7687, through the Service, or by writing to us at Regional Acceptance Online Support, 1420-B E. Fire Tower Road, Greenville, NC 27858. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a request to terminate your use of the Service. We may require that you put your request in writing. If there is more than one Account owner or if more than one person is authorized to access the Account via the Service, we may terminate the Service upon the request of any Account owner or person authorized to access the Account. Subject to applicable law, we may terminate your use of the Service, in whole or in part, at any time without notice. Upon termination, you will remain liable for payments and other transactions in process, and all accrued fees and charges.
- Joint/Multiple Owner Accounts
For joint Accounts, either or both Account holder may enroll for the Service. The email address you provide at time of enrollment will receive any applicable Communications, subject to any changes you make to such email address through the Service or by contacting us. It is your responsibility to notify us if your contact information changes. You can update your contact information via the Service or by contacting us at 866-644-7687.
- Errors with Transactions Regarding Your Account
Errors may occur regarding your Account due to circumstances beyond our control that prevent the proper completion of a transaction despite reasonable precautions by us to avoid these circumstances. Such circumstances include, but are not limited to, fire, flood, delay in US mail, interruption in your electrical power or telephone, the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality, or any defect or malfunction of your electronic device or related software, hardware of telephone line. Furthermore, errors may occur if you have not properly followed the instructions for using the Service.
- Error Resolution Notice
In case of errors, unauthorized access, or questions about the Service or your Electronic Payments,
Regional Acceptance Online Support
1420-B E. Fire Tower Road
Greenville, NC 27858
Contact Regional as soon as you can if you think your statement or information regarding a transaction is wrong or you need more information about a transaction, or if you believe your user ID and/or password have been forgotten or stolen.
When contacting Regional regarding an error resolution, please be prepared to communicate the following information:
- Your name and Social Security number or tax identification number.
- The error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- The dollar amount of the suspected error.
If you call us, we may require you to send us the information or question in writing.
- Electronic Messaging
The Service provides you with the ability to send and receive electronic messages to and from us. Please remember that we will not immediately receive an electronic message sent by you. No action will be made on any electronic message you send to us until we actually receive your message and have a reasonable opportunity to act on it. If you need to contact us immediately, please call us at 866-644-7687.
Electronic messaging CANNOT be used to notify us of lost or stolen user IDs or passwords or unauthorized transactions. Notice of these occurrences must be done as specified in the Section titled Error Resolution Notice. From time to time, we may send important notices to you concerning your use of the Service by electronic messaging. From time to time, we may send important notices to you concerning your use of the Service by electronic messaging. The electronic messaging service may not be used to send or receive email messages to or from the general public.
- Disclaimer of Warranty and Limitation of Liability
WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, TO YOU OR TO ANY OTHER PERSON IN CONNECTION WITH THE SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT, THE SERVICE OR ANY SOFTWARE OR EQUIPMENT USED IN CONNECTION THEREWITH, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICE WILL OPERATE WITHOUT ERROR, OR THAT THE SERVICES WILL BE AVAILABLE AT ALL TIMES. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT, OR OTHERWISE REQUIRED BY LAW, YOU AGREE THAT WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES UNDER OR BY REASON OF ANY SERVICES OR PRODUCTS PROVIDED PURSUANT TO THIS AGREEMENT OR BY REASON OF YOUR USE OF THE SERVICE, INCLUDING LOST DATA OR USE BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT OR BASED ON A WARRANTY OR ANY OTHER LEGAL THEORY.
WE ARE NOT RESPONSIBLE FOR ANY LOSS, DAMAGE, OR INJURY RESULTING FROM AN INTERRUPTION IN THE AVAILABILITY OF THE SERVICE, OR ANY COMPUTER VIRUS THAT YOU MAY ENCOUNTER USING THE SERVICE. WE ENCOURAGE YOU TO ROUTINELY SCAN YOUR ELECTRONIC DEVICE USING A RELIABLE VIRUS PROTECTION PRODUCT TO DETECT AND REMOVE VIRUSES FROM YOUR ELECTRONIC DEVICE.
BY ACCESSING THE SERVICE, YOU AGREE TO WAIVE ALL CLAIMS AGAINST REGIONAL AND ANY THIRD PARTY CONTENT PROVIDERS REGARDING THE INFORMATION PROVIDED AS PART OF THE SERVICE AND ANY INFORMATION RECEIVED BY YOU AS A RESULT OF USING THE SERVICE, AND ANY USE BY YOU OF SUCH INFORMATION. YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL REGIONAL OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICE OR ITS CONTENTS OR SERVICES BE LIABLE TO YOU FOR ANY DAMAGES, INCLUDING BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES FOR LOSS OF PROFITS, GOOD WILL, BUSINESS INTERRUPTION, USE, DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES (EVEN IF REGIONAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) THAT RESULT FROM: (1) THE USE OF OR INABILITY TO USE THE SERVICE, (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU OR BY ANYONE TO WHOM YOU COMMUNICATE SUCH INFORMATION, OR FOR ANY ERRORS BY YOU IN COMMUNICATING SUCH INFORMATION, (3) THE COST OF SUBSTITUTE GOODS OR SERVICES, OR (4) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THE SERVICE. REGIONAL SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING FROM ANY USE OF ANY PRODUCT, INFORMATION, PROCEDURE, OR SERVICE OBTAINED THROUGH THE SERVICE.
- Entire Agreement
Except as provided in this Section 18(a) below, this Agreement constitutes the complete and exclusive agreement related to the Service, and supplements any other agreement or disclosure related to your Account(s). In the event of a conflict between this Agreement and any other agreement or disclosure related to your Account(s) or any statement by our employees or agents, this Agreement shall control as to the subject matter addressed herein.
If you also consent to the terms of the Agreement to Receive Electronic Communications (the “Electronic Communications Agreement”), then this Agreement and the Electronic Communications Agreement both govern your use of the Service. In the event of a conflict between this Agreement and the Electronic Communications Agreement, this Agreement shall control as to the subject matter addressed herein.
No delay or omission by us in exercising any rights or remedies hereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by us.
You may not assign this Agreement to any other party. We may assign this Agreement or delegate any or all of our rights and responsibilities under this Agreement to any agents, representatives, affiliates and/or third parties.
- Governing Law
This Agreement shall be governed by and construed in accordance with the laws of North Carolina without regard to that state’s conflict of laws provisions.
- Compliance with Applicable Laws
Any user of this Service shall comply with all applicable laws. We reserve the right to refuse to process any transaction we reasonably believe violates applicable law or we believe is made in connection with any unlawful transaction or activity. We will notify you if we do not process a transaction.
We may amend this Agreement from time to time by posting the amended Agreement on our website along with a notice that this Agreement has been amended, or by any other reasonable notification method. You may obtain the most recent version of this Agreement by calling 866-644-7687 to request a copy. Continued use of the Service following notice of amendment of the Agreement by Regional constitutes your acceptance of any amendments to this Agreement and your agreement to comply with any changes.
If any provision of this Agreement is determined to be void or invalid, the remainder of this Agreement shall remain in full force and effect.
- Service Hours
The Service is available 24-hours a day, 7 days a week, except during maintenance periods.
- Service Notifications
We may add, modify or discontinue the Service at any time, including changing the terms and conditions governing the Service. You agree that we may send you electronic notifications concerning the Service, including notice of a change or termination of the Service. We may also temporarily suspend your use of the Service at any time for security reasons or any other reason in our sole discretion. We have no responsibility or liability for Service unavailability, interruptions or delays due to any cause.
Subject to applicable law, we will disclose information to third parties about you and your Account(s): (i) where it is necessary for completing payment transactions; (ii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant; (iii) in order to comply with government agency or court orders; (iv) if you give us permission; (v) as stated in the BB&T Corporation Consumer Privacy Notice; and (vi) as otherwise required or permitted by law or government regulation.
- Access to other Products and Services
We may provide you access to other financial products and/or services offered by Regional, its affiliates, or third parties with whom we have contracted. Access to these products or services may be provided through the use of hyperlinks within the Service. You agree that when you use these other services, you will be subject to any terms and conditions applicable to the particular product or service. In the event of a conflict between this Agreement and any terms and conditions applicable to other services, this Agreement shall control as to the subject matter addressed herein.
- Entire Agreement
Loans are subject to credit approval.
Regional Acceptance Corporation is an affiliate of Branch Banking and Trust Company(opens in a new tab), member FDIC.