Terms of Service

1. Introduction

Welcome to UnionStandard ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website located at UnionStandard.com and our financial services, including but not limited to car leasing, credit building services, credit card issuance, and related financial products (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

2. Acceptance of Terms

By accessing, browsing, or using our website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you must not use our Services.

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of our Services after such modifications constitutes your acceptance of the updated Terms.

3. Description of Services

UnionStandard provides financial services designed to help individuals build credit and achieve their financial goals. Our Services include, but are not limited to:

• Car leasing and vehicle financing services
• Credit building programs that report to credit bureaus
• Credit card issuance and management
• Flexible payment options, including split payments and buy-now-pay-later options
• Cash back rewards programs
• Financial consultation and support services

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time, with or without notice.

4. Eligibility and Account Requirements

4.1 Age and Legal Capacity

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use our Services. By using our Services, you represent and warrant that you meet these requirements.

4.2 Account Registration

To access certain Services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

5. Financial Services Terms

5.1 Credit and Financial Products

Our financial products and services, including credit cards, loans, and leasing agreements, are subject to:

• Credit approval and underwriting criteria
• Separate agreements and contracts that will be provided at the time of application
• Applicable federal and state laws and regulations
• Terms, conditions, fees, and interest rates as disclosed in the specific product agreements

5.2 Pricing and Fees

All pricing, fees, and charges are disclosed at the time of application or service enrollment. Prices are subject to change, and we reserve the right to modify pricing with appropriate notice. Monthly pricing for our services starts at $399/month with insurance, as advertised, but actual pricing may vary based on individual circumstances, creditworthiness, and selected services.

5.3 Payment Obligations

You are responsible for all payments due under any agreement you enter into with us. Failure to make timely payments may result in:

• Late fees and penalties as specified in your agreement
• Negative reporting to credit bureaus
• Collection actions
• Termination of services

6. Credit Building Services

Our credit building services report your payment history to credit bureaus. While we make every effort to report accurately and timely, we cannot guarantee:

• Specific credit score improvements
• The timing of credit bureau updates
• How credit bureaus will interpret or use the reported information
• The impact on your credit score, which depends on various factors beyond our control

Credit building is a process that takes time and depends on multiple factors, including your overall credit history, payment patterns, and credit utilization.

7. User Conduct and Prohibited Activities

You agree not to:

• Use our Services for any illegal or unauthorized purpose
• Provide false, misleading, or inaccurate information
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the operation of our Services
• Use automated systems to access our Services without permission
• Reproduce, duplicate, copy, or exploit any portion of our Services without express written permission
• Violate any applicable laws or regulations
• Engage in fraudulent activities or misrepresentation

8. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, images, and software, are owned by UnionStandard or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not use, reproduce, distribute, modify, or create derivative works of any content from our Services without our express written permission.

9. Disclaimers and Limitations of Liability

9.1 Service Availability

We strive to provide reliable Services, but we do not guarantee that our Services will be uninterrupted, secure, or error-free. We reserve the right to modify, suspend, or discontinue any part of our Services at any time.

9.2 Financial Advice

Our Services are provided for informational and transactional purposes. We do not provide financial, legal, or tax advice. You should consult with qualified professionals for advice specific to your situation.

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNIONSTANDARD AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES.

10. Indemnification

You agree to indemnify, defend, and hold harmless UnionStandard and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our Services
• Your violation of these Terms
• Your violation of any rights of another party
• Any false or inaccurate information you provide

11. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause or notice, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of amounts due
• Any other reason we deem necessary to protect our interests or those of other users

Upon termination, your right to use our Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. The arbitration shall take place in Miami, Florida.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

14. Entire Agreement

These Terms, together with any specific agreements you enter into for particular Services, constitute the entire agreement between you and UnionStandard regarding your use of our Services and supersede all prior agreements and understandings.

15. Contact Us

If you have any questions about these Terms of Service, please contact us: