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Patient Terms and Conditions

READ THESE TERMS AND CONDITIONS CAREFULLY.

This Patient Terms and Conditions Agreement (the “Patient Terms”) govern your use of this Site (defined below) to, among other things, apply for extensions of credit to cover your medical expenses. The HFA Privacy Notice describes our practices for information collected about you when you visit the Site.

The Patient Terms apply to all users of the Site, including, without limitation, users who are browsers, vendors, customers, merchants, and/or contributors of content.

HFA (defined below) offers this Site, including all information, tools, and services available from this Site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices contained within the Patient Terms.  Any new pages, features, or tools that are added to the Site shall also be subject to the Patient Terms. You can review the most current version of the Patient Terms at any time on this page.

By using the Site, you agree to the Patient Terms as well as the HFA Privacy Notice.

By using the Site, you represent that you are of legal age to assent to the Patient Terms, and you agree to be bound by the Patient Terms.  Additionally, by using the Site, you represent that all information provided to HFA through the Site is true and accurate, and you understand that HFA is relying on the accuracy of such information.  Finally, by using the Site, you confirm that, should you receive an extension of credit, you have the intention to repay it when it is due. 

NOTE: THE PATIENT TERMS CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS – SEE BELOW.

Definitions

“We,” “us,” “our,” or “HFA,” as used on this Site, mean Healthcare Financing of America, LLC, and its affiliates, agents, and assigns.

“You” or “your” mean you as an individual and, if you are an employee or representative of another person or entity, such person or entity.

“Site” means all websites, including www.hfloan.com, as well as interactive features, widgets, plug-ins, applications, content, downloads, mobile applications, and other electronic services maintained by HFA.

Service We Provide

We will provide the following service to you: assist you in your effort to apply for an extension of credit from a third-party lender in order to pay your medical expenses. The length of time HFA will provide this service to you varies depending on your engagement with HFA. We will never collect a fee from you in order to provide this service, but you must use the Site in order for us to provide this service.  We will not provide you with any credit repair services whatsoever.

Fees

HFA will never charge you a fee for its service.  The creditor, however, may charge you fees related to the extension of credit that you receive.  Additionally, you may be assessed other fees by your bank, credit union, credit card issuer, or other financial institution, related to your payment of the extension of credit.

Rights You May Have Regarding Your Credit Report

Right to Review Information: You may request and obtain all the information about you in the files of a consumer reporting agency (your “credit file”). You will be required, by the consumer reporting agency (the “CRA”), to provide proper identification, which may include your Social Security number.

In many cases, the disclosure of your credit file will be free. You may be entitled to review your credit file for free if: (1) a person has taken adverse action against you because of information in your credit file, if requested not later than the 60th day after the date on which you receive (a) a notice of the adverse action, or (b) a notification from a debt collection agency stating that your credit may be adversely affected (and, if not within 60 days, for a minimal charge at any other time); (2) you are the victim of identity theft and place a fraud alert in your credit file; (3) your credit file contains inaccurate information as a result of fraud; (4) you are on public assistance; and (5) you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide CRA and from nationwide specialty CRAs. If your request does not fall within the circumstances allowing for a free review of your credit file, a CRA may impose a reasonable charge provided that the charge does not exceed $8 and the requirement to make such charge is indicated to you prior to the disclosure.

Right to Dispute Information: You have a right to dispute the completeness or accuracy of an item in your credit file directly with the CRA or the information source (also known as the “furnisher”). If you tell a CRA that your credit file contains inaccurate information, the CRA must investigate the items by presenting to the furnisher all relevant evidence you submit, unless your disputes are frivolous. The furnisher must review your evidence and report its findings to the CRA. The CRA must give you a written report of its investigation and a copy of your report if the investigation results in any change. If the CRA’s investigation does not resolve the dispute, you may add a brief statement to your credit file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change in the report.

Obsolete Information: A CRA must remove or correct inaccurate or unverified information from its files. Accurate information, however, cannot be permanently removed from your credit file unless it is obsolete or cannot be verified.  Except in certain cases, information in a credit report becomes obsolete after 7 years, except for bankruptcies which become obsolete after 10 years. A consumer reporting agency is prevented from issuing a report containing obsolete information.

Availability of Credit Counseling: There are other ways and sources for you to obtain credit services. You have a right to consider these other ways and sources.  Nonprofit credit counseling services may be available in your community. You may refer to your local telephone directory under “Credit & Debt Counseling” for listings and sources.

Loan Servicing

You acknowledge that HFA may serve as the loan servicer on behalf of your creditor and/or its successors or assigns.  This means that HFA will administer your extension of credit and may collect payments from you, on behalf of your creditor and/or its successors or assigns. 

Disclaimer of Warranties

You expressly agree that use of the Site, including browsing, downloading, and otherwise obtaining content from the Site, is at your sole risk. The Site and its content are provided on an “as is” and “as available” basis and “with all faults.” We do not guarantee, represent, or warrant that your use of this Site will be uninterrupted, timely, secure, or error-free.  You agree that, from time to time, we may take down the Site for indefinite periods of time as necessary or restrict access to the Site at any time, for any reason, without notice to you. You expressly agree that your use of, or inability to use, the Site is at your sole risk.

ALL INFORMATION OFFERED ON THIS SITE IS PROVIDED “AS IS” WITHOUT ANY WARRANTY WHATSOEVER, INCLUDING, WITHOUT LIMITATION, ANY (A) WARRANTY OF MERCHANTABILITY; (B) WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE; OR (C) WARRANTY AGAINST INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OF A THIRD PARTY; WHETHER EXPRESS OR IMPLIED BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE, OR OTHERWISE. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU.

Limitation of Liability

IN NO CASE SHALL HFA, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, INTERNS, CONTRACTORS, THIRD-PARTY VENDORS, SUPPLIERS, SERVICES PROVIDERS, OR LICENSORS BE LIABLE TO YOU OR ANY OTHER THIRD PARTY ON YOUR BEHALF FOR ANY INJURY, LOSS, CLAIM, OR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOSS OF DATA, REPLACEMENT COSTS, OR ANY SIMILAR DAMAGES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, ARISING FROM YOUR USE OF THE SITE OR FOR ANY OTHER CLAIM RELATED IN ANY WAY ARISING OUT OF YOUR USE, OR ANY THIRD PARTY ON YOUR BEHALF’S USE, OF THE SITE, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN ANY CONTENT OR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SITE, OR ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE BY THE SITE, REGARDLESS OF: (A) WHETHER SUCH DAMAGES WERE FORESEEABLE, (B) WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND (C) THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH THE CLAIM IS BASED.

Accuracy, Completeness, and Timeliness of Information

The information on the Site may contain inadvertent or unintentional errors or inaccuracies and may not be complete or current. We reserve the right to correct errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

The terms of any promissory note(s), credit agreement(s), or other agreement(s) between: (a) you, and (b) HFA or any other creditor, control, to the exclusion of information on the Site, in the event of any discrepancy between the two.

Any reliance on the material on this Site is at your own risk. This Site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this Site at any time, but we have no obligation to update any information on our Site. You agree that it is your responsibility to monitor changes to our Site.

Void Where Prohibited

We reserve the right to limit, in our sole discretion, the provision and quantity of any feature, product, or service of the Site to any person or geographic area. Any offer for any feature, product, or service made on the Site is void where prohibited.

Intellectual Property Rights

Unless otherwise noted, all content on the Site is subject to intellectual property rights, including copyrights and trademarks, held or licensed by HFA and its affiliates. Subject to the Patient Terms, HFA grants you a non-exclusive, non-transferable, limited right to access, use, and view this Site and the information thereon, including, without limitation, all text, software, scripts, source code, API, files, designs, graphics, drawings, illustrations, images, photographs, video clips, music and sounds, interactive features and/or other materials and all trademarks, service marks and trade names used at this Site and the selection and arrangements thereof (collectively, the “Website Content”), solely for your own personal use; provided, however, that you may not, nor may you allow others to, directly or indirectly sell, license, rent, reproduce, download, modify, or attempt to modify or create derivative works from, the Website Content in any way, or reproduce or publicly display, perform, transmit, distribute, or otherwise use the Website Content for any public or commercial purpose, including, without limitation, use of the Website Content on any other website or in any environment of networked computers, or transfer the Website Content to any other person without the prior written explicit consent of HFA. Except as expressly provided herein, no license to use or reproduce the Website Content is given to you and all intellectual property rights therein are expressly reserved. Systematic retrieval of data or other Website Content from this Site to create or compile, directly or indirectly, a collection, compilation, database or directory without express prior written permission from HFA is prohibited.

Suspected Copyright Infringement

We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access to them) from the Site by submitting written notification to us pursuant to the requirements below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), the written notice (the “DMCA Notice”) must include substantially the following:

  • Your physical or electronic signature;
  • Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Site, a representative list of such works;
  • Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material;
  • Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address);
  • A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law;
  • A statement that the information in the written notice is accurate; and
  • A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Site is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

Termination

We may terminate the Patient Terms and your access to the Site at any time if we determine that any of your representations to HFA, in the Patient Terms or otherwise, were false, misleading, or deceptive, or if HFA determines that you omitted material facts from HFA.

Prohibited Uses

You may not use the Site in any way that violates applicable state, federal, or international laws or regulations including, without limitation, the CAN-SPAM Act of 2003, or other government requirements.

Other Terms

The Patient Terms apply in conjunction with, and do not supersede, any promissory note(s), loan agreement(s), or other agreement(s) between: (a) you; and (b) HFA or any other creditor.

Amendments, Updates, and Revisions

The Patient Terms are subject to change by us without written notice at any time in our sole discretion. Any changes to the Patient Terms will be in effect as of the “Last Updated Date” referenced on the Site. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Site following the posting of any changes constitutes acceptance of those changes.

Severability

If any part of the Patient Terms is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

No Waiver

We will not be deemed to have waived any of our rights by delaying the enforcement of any of our rights, whether those rights be in the Patient Terms or in any other agreement with you. If we waive any of our rights in writing on one occasion, that waiver does not constitute a waiver by us of our rights on any future occasion.

Communications

By using the Site, you confirm you have agreed to HFA’s Electronic Communications Disclosures and Consent, and you have agreed to receive electronically each disclosure, notice, agreement, fee schedule, privacy policy, statement, record, document, and other information we provide to you, or that you sign or submit or agree to at our request.

Disputes Relating to HFA

If you have any complaint or dispute relating to or arising out of your experience with HFA or use of this Site, you should contact us at 1000 Corporate Centre Drive, Suite 100, Franklin, TN 37067, Attention: Disputes, or by calling 1-888-889-7033. You may also email us at customerservice@hfaloan.com. We may request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all reasonable assistance to us to facilitate us in resolving all complaints and disputes.

Disputes Relating to Healthcare Services

Any dispute relating to the underlying healthcare services for which HFA facilitates any extension of credit must be managed directly by you with your medical provider, and you will continue to make all payments when due.

Disputes Relating to Inaccurate Information

If you believe that we have information about you that is inaccurate or that we have reported or may report inaccurate information about you to a credit bureau, please notify us of the specific information that you believe is inaccurate by writing to us at 1000 Corporate Centre Drive, Suite 100, Franklin, TN 37067, Attention: Disputes. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please send a copy of that report to us as well.

ARBITRATION AND JURY TRIAL WAIVER

NOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to arbitration in the case of a dispute. If you were a Covered Borrower under the Military Lending Act Regulations with regard to any prior agreement, this arbitration clause does not cover any claims related to that prior agreement.

You agree that either you or we can choose to have binding arbitration resolve any claim, dispute or controversy between you and us that arises from or relates to this the Patient Terms or your relationship with HFA (individually and collectively, a “Claim”). This does not apply to any Claim in which the relief sought is within the jurisdictional limits of, and is filed in, a small claims court. If arbitration is chosen by any party, the following will apply:

  1. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN COURT OR TO HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE APPLICABLE ARBITRATION RULES.
  2. Arbitration only will decide our or your Claim, and you may not consolidate or join the claims of other persons who may have similar claims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE ATTORNEY GENERAL, PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.
  3. The arbitration will be performed in accordance with this Arbitration Provision and the rules of the chosen arbitrator in effect when the Claim is filed.
  4. Other rights that you would have if you went to court might also not be available in arbitration.

If arbitration is elected, any claim will be resolved pursuant to this provision and the American Arbitration Association (“AAA”) rules and procedures (“Rules”) in effect at the time the claim is filed. If for any reason the AAA is unable or unwilling or ceases to serve as arbitration administrator, another nationally recognized arbitration organization utilizing similar rules and procedures will be substituted by us. If the AAA is selected, the arbitration will be handled according to its Consumer Arbitration Rules.

This provision is made pursuant to a transaction involving interstate commerce and will be governed by the Federal Arbitration Act, 9 U. S. C. §§ 1 et seq., as amended (“FAA”). The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA and except that, if the amount in controversy exceeds $100,000, any party can appeal the award to a three-arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the initial award requested by the appealing party. The decision of the panel will be by majority vote. The costs of such an appeal will be borne by the appealing party regardless of the outcome of the appeal.

You may obtain rules and forms for the AAA by contacting the AAA at 1-800-778-7879 or www.adr.org.

Any arbitration hearing that you attend will take place in the federal judicial district where you reside. At your request, we will temporarily advance your filing and hearing fees for any Claim you may file against us. At the conclusion of the arbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration. Unless inconsistent with applicable law, each party will bear the expense of that party’s attorneys’, experts’ and witness fees, regardless of which party prevails in the arbitration. We will also pay any fees or expenses that applicable law requires us to pay.

This provision will survive termination of your relationship with HFA, as well as the repayment of all outstanding amounts incurred in connection with any extension of credit you receive. If any portion of this provision is deemed invalid or unenforceable under any law or statute consistent with the FAA, it will not invalidate the remaining portions of this arbitration provision or the Patient Terms. In the event of a conflict or inconsistency between the AAA Rules and this arbitration provision, this provision will govern.

Choice of Law

All matters relating to the Site and the Patient Terms, and any dispute or claim arising therefrom or related thereto shall be governed by and construed in accordance with the internal laws of the State of Tennessee, without giving effect to any choice or conflict of law provision or rule (whether of the State of Tennessee or any other jurisdiction). To the maximum extent permitted by law, this agreement is governed by the laws of the State of Tennessee, and you hereby consent to the exclusive jurisdiction and venue of courts in the state of Tennessee in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of the Patient Terms, including, without limitation, this section.

YOU MAY CANCEL THIS CONTRACT AT ANY TIME PRIOR TO MIDNIGHT OF THE 15th BUSINESS DAY AFTER THE DATE YOU AGREE TO THESE TERMS AND CONDITIONS.  SEE THE BELOW NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.  YOU MAY DOWNLOAD OR PRINT A COPY OF THE CANCELLATION FORM HERE:

NOTICE OF CANCELLATION

YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, AT ANY TIME PRIOR TO MIDNIGHT OF THE 15th BUSINESS DAY AFTER THE DATE THE CONTRACT IS SIGNED.

IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN 10 DAYS FOLLOWING RECEIPT BY HFA OF YOUR CANCELLATION NOTICE.

TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED AND DATED COPY OF THE BELOW CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE THAT SUBSTANTIALLY COMPLIES WITH THE BELOW NOTICE, TO

HEALTHCARE FINANCING OF AMERICA, LLC, AT 1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067

NOT LATER THAN MIDNIGHT OF THE 15th BUSINESS DAY AFTER THE DATE THIS CONTRACT IS SIGNED.

—

I HEREBY CANCEL THIS TRANSACTION. 

Date                                    Buyer’s Signature

State Disclosures

For Arizona Residents:  HFA may be considered a “credit services organization” in the state of Arizona.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Arizona with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Arizona is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

For Arkansas Residents:  HFA may be considered a “credit repair services organization” in the state of Arizona.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Arkansas with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Arkansas is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

For California Residents: This agreement is made pursuant to a California Finance Lenders Law license, # 60DBO-109407. FOR INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA. As required by California law, Borrower is hereby notified that a negative credit report reflecting on Borrower’s credit record may be submitted to a credit reporting agency if Borrower fails to fulfill the terms of Borrower’s credit obligations. A married applicant may apply for a separate account. If Originator takes any adverse action as defined by § 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, Borrower has the right to obtain within 60 days a free copy of Borrower’s consumer credit report from the consumer reporting agency who furnished the consumer credit report and from any other consumer credit reporting agency that complies and maintains files on consumers on a nationwide basis.

For Colorado Residents:  HFA may be considered a “credit services organization” in the state of Colorado.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Colorado with the following disclosures:

RIGHTS UNDER COLORADO AND FEDERAL LAW:  You have a right to obtain a copy of your credit report from a credit bureau at no charge once per year with additional copies available for a small fee. You have a right to dispute inaccurate information by contacting the credit bureau directly. However, you have no right to have accurate information removed from your credit bureau report. Under the federal “Fair Credit Reporting Act”, the credit bureau must remove accurate negative information from your report only if it is over 7 years old. Bankruptcy can be reported for 10 years. Even when a debt has been completely repaid, your report can show that it was paid late if that is accurate. You have a right to sue a credit repair company that violates the “Colorado Credit Services Organization Act”. This law prohibits deceptive practices by repair companies. The “Colorado Credit Services Organization Act” also gives you a right to cancel your contract for any reason within 5 working days from the date you sign it.

The Federal Trade Commission enforces the federal “Fair Credit Reporting Act”. For more information, call or write the Federal Trade Commission. The administrator of the “Uniform Consumer Credit Code” enforces the “Colorado Credit Services Organization Act”. For more information, call or write the Colorado attorney general’s office.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Colorado is: CORPORATION SERVICE COMPANY, 1900 W. LITTLETON BOULEVARD, LITTLETON, CO 80120.

For Delaware Residents:  HFA may be considered a “credit services organization” in the state of Delaware.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Delaware with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Delaware is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Delaware is:  CORPORATION SERVICE COMPANY, 251 LITTLE FALLS DRIVE, WILMINGTON, GE 19808.

For District of Columbia Residents:  HFA may be considered a “consumer credit services organization” in the District of Columbia.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of the District of Columbia with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in the District of Columbia on March 6, 2023, is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705, and the bond number is CIC1930074.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in the District of Columbia is:  CORPORATION SERVICE COMPANY, 1090 VERMONT AVE. NW, WASHINGTON, D.C.  20005.

For Florida Residents:  HFA may be considered a “credit service organization” in the state of Florida.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Florida with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Florida is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Florida is: CORPORATION SERVICE COMPANY, 1201 HAYS STREET, TALLAHASSEE, FL 32301.

For Illinois Residents:  HFA may be considered a “credit services organization” in the state of Illinois.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Illinois with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Illinois is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705, and the bond number is CIC1929976.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Illinois is:  ILLINOIS CORPORATION SERVICE COMPANY, 801 ALDAI STEVENSON DRIVE, SPRINGFIELD, IL 627035.

For Indiana Residents:  HFA may be considered a “credit services organization” in the state of Indiana.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Indiana with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Indiana is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Indiana is: CORPORATION SERVICE COMPANY, 135 NORTH PENNSYLVANIA STREET, SUITE 1610, INDIANAPOLIS, IN 46204.

For Maryland Residents: This loan is made pursuant to the Credit Grantor Closed-end Credit Provisions of Title 12, Subtitle 1 of the Maryland Commercial Law Article (Md. Code Ann., Com. Law § 12-1001 et seq.).

For Nebraska Residents:  HFA may be considered a “credit services organization” in the state of Nebraska.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Nebraska with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Nebraska is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Nebraska is: CSC-LAWYERS INCORPORATING SERVICE COMPANY, 233 SOUTH 13TH STREET, SUITE 1900, LINCOLN, NE 68508.

For Nevada Residents:  HFA may be considered a “credit service organization” in the state of Nevada.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Nevada with the following disclosures:

RIGHTS OF NEVADA CONSUMERS REGARDING CREDIT FILES

PURSUANT TO STATE AND FEDERAL LAW

You have the right to obtain a copy of your credit file from a consumer credit reporting agency. There is no fee if, within the past 30 days, you have been turned down for credit, employment or insurance because of information in your credit report. The consumer credit reporting agency is obligated to provide someone to help you interpret the information in your credit file.

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit service organization has the right to have accurate, current and verifiable information removed from your credit report. Generally, under the Fair Credit Reporting Act, the consumer credit reporting agency is obligated to remove accurate, negative information from your report only if it is more than 7 years old and bankruptcy information can be reported for 10 years. If you have notified a credit reporting agency that you dispute the accuracy of information in your credit file, the consumer credit reporting agency is obligated to make an investigation and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any relevant information and copies of all documents you have concerning the disputed information should be given to the consumer credit reporting agency. If the investigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your credit file, explaining why you think the information in the credit file is inaccurate. The consumer credit reporting agency is obligated to include your statement or a summary of your statement about disputed information in any report it issues about you.

RIGHTS OF NEVADA CONSUMERS REGARDING

CANCELLATION OF A CONTRACT

You have a right to give written notice of your intent to cancel a contract with a credit service organization for any reason within 15 working days from the date you signed it. If for any reason you do cancel a contract during this time, you do not owe any money. You have a right to sue a credit service organization if it misleads you.

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Nevada is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Nevada is: CORPORATION SERVICE COMPANY, 112 NORTH CURRY STREET, CARSON CITY, NV 89703.

For New Hampshire Residents:  HFA may be considered a “credit services organization” in the state of New Hampshire.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of New Hampshire with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in New Hampshire is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in New Hampshire is CORPORATION SERVICE COMPANY, 10 FERRY STREET SUITE 313, CONCORD, NH 03301.

For North Carolina Residents: HFA may be considered a “credit repair business” in the state of North Carolina.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of North Carolina with the following disclosures:

As required by North Carolina law, HFA has secured a bond by Capitol Indemnity Corporation, P.O. Box 5900, Madison, WI 53705-0900, a surety authorized to do business in this State.  Before signing a contract with this business, you should check with the surety company to determine the bond’s current status.”

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in North Carolina is:  CORPORATION SERVICE COMPANY, 2626 Glenwood Avenue, Suite 550, Raleigh, NC 27608.

For North Dakota Residents: NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.

For Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.

For Oklahoma Residents:  HFA may be considered a “credit services organization” in the state of Oklahoma.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Oklahoma with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Oklahoma is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Oklahoma is:  CORPORATION SERVICE COMPANY, 10300 GREENBRIAR PLACE, OKLAHOMA CITY, OK 73159.

For Pennsylvania Residents:  HFA may be considered a “credit services organization” in the state of Pennsylvania.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Pennsylvania with the following disclosure:

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Pennsylvania is:  CORPORATION SERVICE COMPANY, 2595 INTERSTATE DR., #103, HARRISBURG, PA 17110.

For Texas Residents:  HFA may be considered a “credit services organization” in the state of Texas.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Texas with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Texas is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Texas is:  CORPORATION SERVICE COMPANY, 211 E. 7TH STREET, SUITE 620, AUSTIN, TX 78701.

For Washington Residents:  HFA may be considered a “credit services organization” in the state of Washington.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Washington with the following disclosures:

If you have a complaint about the services provided by this credit services organization or the fees charged by this credit services organization, you may submit that complaint to the Washington state Attorney General’s Office electronically at https://www.atg.wa.gov/file-complaint or by mail to Attn: ……, 800 5th Avenue, Suite 2000, Seattle, WA 98104-3188.

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have a right to obtain a free copy of your credit report from a consumer reporting agency. You may obtain this free copy of your credit report one time per year by visiting www.AnnualCreditReport.com. You will be able to view your credit report, dispute alleged inaccuracies, and obtain additional information at no fee. If requested, the consumer reporting agency must provide someone to help you interpret the information in your credit file.

You have a right to dispute inaccurate information by contacting the consumer reporting agency directly. However, neither you nor any credit repair company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.

If you have notified a consumer reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer reporting agency must then reinvestigate and modify or remove inaccurate information. The consumer reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer reporting agency.

If the reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer reporting agency must include your statement about disputed information in any report it issues about you.

You have a right to cancel the contract with the credit services organization for any reason before midnight on the fifth working day after you signed it. If for any reason you cancel the contract during this time, you do not owe any money.

You have a right to take legal action against a credit services organization if it misleads you.

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Washington is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067, its website is www.paybyhfa.com, and it can be reached via e-mail at customerservice@hfaloan.com.  HFA’s registered agent’s name and address in Washington is:  CORPORATION SERVICE COMPANY, 300 DESCHUTES WAY SW STE 208 MC-CSC1, TUMWATER, WA 98501.

For West Virginia Residents:  HFA may be considered a “credit services organization” in the state of West Virginia.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of West Virginia with the following disclosures:

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in West Virginia is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705, and the bond number is CIC1930083.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in West Virginia is:  CT CORPORATION SYSTEM, 5098 WASHINGTON ST W STE 407, CHARLESTON, WV 25313-1561.

For Wisconsin Residents:  HFA may be considered a “credit services organization” in the state of Wisconsin.  Though HFA does not provide credit repair services to any consumer, it assists consumers with obtaining credit to pay for medical expenses.  In an abundance of caution, HFA is providing its customers who are residents of Wisconsin with the following disclosures:

THIS CREDIT SERVICES ORGANIZATION IS REGISTERED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS at 4822 Madison Yards Way, North Tower, Madison, WI 53705. 

If you are damaged by HFA, you may have a right to make a claim against the surety bond HFA has secured by filing a suit against HFA and the surety or trustee of the surety bond.  The name and address of the surety company that issued HFA’s surety bond in Wisconsin is: CAPITAL INDEMNITY CORPORATION, P.O. BOX 5900, MADISON, WI 53705.

HFA’s principal business address is:  1000 CORPORATE CENTRE DRIVE, SUITE 100, FRANKLIN, TN 37067.

HFA’s registered agent’s name and address in Wisconsin is:  CORPORATION SERVICE COMPANY, 33 EAST MAIN STREET, SUITE 610, MADISON, WI 53703.

Last Updated Date: March 27, 2024