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Terms and Conditions

FRIENDLY LOAN Terms and Conditions

This document provides you information on the online and IVR payment gateway of M & A Ventures, LLC d/b/a FRIENDLY LOAN (“FRIENDLY LOAN”). It outlines important terms and conditions that apply to your use of the FRIENDLY LOAN website and related payment services (collectively, the “FRIENDLY LOAN”). The FRIENDLY LOAN is subject to the consumer financial regulations described in the Electronic Fund Transfers Act, which include disclosure requirements. When you use the FRIENDLY LOAN, you (and any person you authorize to perform these functions on your account) agree to these terms and conditions.

Convenience Fees

You may be charged a “convenience fee” to process a payment through the FRIENDLY LOAN. This convenience fee is paid directly to FRIENDLY LOAN and is not refundable. The Biller does not receive any portion of the convenience fee. FRIENDLY LOAN will display the convenience fee prior to you entering banking or debit card information. The convenience fee is included in the “Total Payment” line above. Convenience fees and payments made online and via IVR take two to four business days to post to your account. By clicking the “Accept” button below, you hereby confirm your acceptance of the convenience fee and agree to pay the “Total Payment” amount indicated, subject to and in accordance with the agreement governing the use of your debit card or your bank account, as applicable.

Authorization and Payments

Completion of a payment transaction is contingent upon both the authorization of payment by your card company or financial institution and acceptance of your payment by the Biller. This payment is nonrefundable. You are responsible for having sufficient funds available in your account to cover any amount you approve for payment. If you do not have sufficient funds in your account, your payment may not be processed. In the event your payment is not processed for any reason, including the failure to obtain an authorization from your card company or financial institution or the failure of the Biller to accept your payment, your liability shall remain outstanding and unpaid and you will be subject to all applicable penalties, late fees and interest charges assessed by the Biller thereon, all of which obligations remain your sole responsibility.

Privacy/Data Security

When registering to use this site, making a payment, or contacting FRIENDLY LOAN through this site, you agree to provide accurate and complete information about yourself and your payment obligation(s). FRIENDLY LOAN is committed to ensuring the security of your personally identifiable information. We will take reasonable precautions to protect this information from loss, misuse, unauthorized disclosure, or alteration, including, putting in place appropriate physical, electronic, and administrative procedures to safeguard and secure such information. Encryption is used when collecting or transferring sensitive data (e.g., card information). FRIENDLY LOAN will never disclose any personal information about you to a third party (other than Biller) unless required to do so by law or card association rule.

Reasons we would share your personal information Friendly Loan Shares You can limit sharing with
For Everyday Business Purposes to process transactions, account(s) maintenance, Legal or court orders, or report to credit bureaus Yes No
For our marketing purposes – Offering our Products and services Yes No
For joint marketing with other financial companies No Non-applicable since we do not share.
For our afflllates’ to use in everyday business purposes· No Non-applicable since we do not share.
Our Affiliates- Information about your credit history or worthiness No Non-applicable since we do not share.
For our affiliates to market their products and services to you No Non-applicable since we do not share.
For nonafflliates to market their products and services to you No Non-applicable since we do not share.


Business Days

Business days are Monday through Friday, excluding legal holidays.

Ownership, Trademarks, and Copyrights; Confidentiality

FRIENDLY LOAN owns all rights, titles, and interests, including, without limitation, copyright, in and to the FRIENDLY LOAN (including the FRIENDLY LOAN website). You may not copy, modify, translate, decompile, reverse engineer, reproduce, adapt or disassemble the FRIENDLY LOAN. The display of any trademarks within the FRIENDLY LOAN does not grant a license or other rights of any kind in those marks to the reader. Any downloading of material contained on the site, or on any site linked to the site, may be a violation of federal trademark and copyright laws.

Disclaimer of Warranties and Limitation of Liability

This site is provided by FRIENDLY LOAN on an “as is” and “as available” basis. FRIENDLY LOAN makes no representations or warranties of any kind, express or implied, as to the operation of this site or the information, content, materials, products, or services included on this site. You expressly agree that your use of this site is at your sole risk and that you are solely responsible for the accuracy of the personal and payment information that you provide.

To the full extent permissible by applicable law, FRIENDLY LOAN disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, FRIENDLY LOAN does not warrant that this site, its services or e-mail sent from FRIENDLY LOAN are free of viruses or other harmful components. FRIENDLY LOAN (as well as its officers, directors, employees, affiliates, and owners) will not be liable for any damages of any kind arising from the use of this site, any payment company’s non-authorization of a user’s payment, any government entity’s non-acceptance of a payment from a party using this site or for disruptions in service on this site, regardless of the cause, including (without limitation) direct, indirect, incidental, punitive and consequential damages. FRIENDLY LOAN assumes no responsibility for the timeliness, deletion, miss-delivery, failure to store any user communications or personalized settings. FRIENDLY LOAN assumes no responsibility for and will not be liable for any damages from any viruses, which may affect your computer equipment or other property on account of your access to, use of, or downloading from this site.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

Changes in Terms and Conditions

FRIENDLY LOAN reserves the right to make changes to the FRIENDLY LOAN (including, without limitation, discontinuing this site or the services offered on this site) and these Terms and Conditions at any time, with or without notice. If any of these terms and conditions shall be deemed invalid, void, or for any reason unenforceable, that term or condition shall be deemed severable and shall not affect the validity and enforceability of any remaining term.

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