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TERMS AND CONDITIONS

BEFORE USING ANY WEB PAGES OR INFORMATION CONTAINED HEREIN OR LINKED HERETO OR BEFORE SUPPLYING ANY INFORMATION, YOU SHOULD CAREFULLY READ THE FOLLOWING IMPORTANT TERMS AND CONDITIONS, INCLUDING DISCLAIMERS.

The following terms and conditions ("Terms and Conditions") govern your use of the World Wide Web Site located at https://payffslpe.virtualcollector.net; https://payffslpn.virtualcollector.net; https://payffsmiami.virtualcollector.net; https://payffs.virtualcollector.net/Home.aspx; http://payffs.virtualcollector.net; http://www.payffs.com and any other site relative to www.payffs (this "Website"). This Website is intended for authorized users only. By accessing, viewing, or using the content, material, or services available on or through this Website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions or you are not an authorized user, you are not granted permission to use this Website and must exit immediately.

These Terms and Conditions may be changed at any time and without notice. It is the obligation of users visiting the Website to review the Terms and Conditions for any changes since their last visit. This Website has been prepared solely for the purpose of providing information from and conducting transactions with One Advantage, LLC in order to provide account information, make payments and collect debts. Without limiting the generality of anything else, One Advantage, LLC makes no commitment, and disclaims any duty, to update this Website or any of the information obtained through this Website, and it shall not be responsible for any errors or omissions in the Website. One Advantage, LLC reserves the right to add, modify or delete any information on this Website at any time, with or without notice.

Any information, services, or materials offered by or through this Website shall not be construed as or understood to be financial, investment, legal, tax or accounting advice of any kind and should not be relied upon as such.

Proprietary Information: Permission is granted to download and print materials from this Website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this Website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission One Advantage, LLC is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any Website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, or logos (the "Marks") appearing on the Website are proprietary to One Advantage, LLC or its affiliates. Use or misuse of these trademarks without advance written consent from One Advantage, LLC is expressly prohibited and may violate federal and state trademark law. Marks may not be used without One Advantage, LLC's prior written consent and may not be used in connection with any product or service that is not the property of One Advantage, LLC in any manner that is likely to cause confusion among customers as to source or sponsorship, or in any manner that disparages, tarnishes, dilutes, or discredits One Advantage, LLC.

All information you submit to One Advantage, LLC via the Website may be considered to be the property of One Advantage, LLC, and One Advantage, LLC is free to utilize any information you submit for the purpose of debt collection. One Advantage, LLC grants you a non-exclusive, non-transferable, limited license to access, use and display the Website and the information, graphics, content and materials thereon ("Content") and any software that may be necessary to use the Website.

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THIS IS A COMMUNICATION OF A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT
A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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