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

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. 

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. 

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 is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any Website materials is strictly prohibited.

Health Information Portability Accountability Act

MORGAN & ASSOCIATES, P.C (“M&A”) (i) is in material compliance with the standard transaction requirements established by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) and HIPAA's accompanying transaction set, privacy, and security regulations (the “HIPAA Regulations”), and (ii) has developed and implemented appropriate policies and procedures and training programs for compliance with HIPAA's privacy and security regulations; and M&A possesses or may possess Individually Identifiable Health Information and/or Protected Health Information that is protected under HIPAA and the HIPAA Regulations, and is permitted to use or disclose such information only in accordance with HIPAA and the HIPAA Regulations.

Electronic Funds Transfer Act

By making a payment, you hereby authorize M&A to initiate debit entries to the bank account or credit card provided to M&A by you, and to debit the same to such account or credit card. Should a transaction be returned, you further authorize debiting said account or credit card for non-sufficient fund fees in accordance with applicable State Law. You acknowledge that the origination of ACH transactions to your account or credit card must comply with the provisions of U.S. Law. 

When you provide a check as payment, you authorize us either to use the information from your check to make a onetime electronic fund transfer from your account in accordance with the above or to process the account as a check transaction.

You understand, accept and acknowledge that this authorization shall remain in full force and effect until M&A has received notification from you of its termination at least five (5) business days prior to any payment due date. You may provide said notice to terminate this authorization by using the contact information located on M&A’s website. You further understand that cancelling your ACH authorization does not relieve you of the responsibility of paying your account balance in full, and that if you cancel or revoke this authorization before any remaining debt is paid in full, M&A may take additional actions including, but not limited to, legal actions to secure the debt.

Payment Card Industry Data Security Standard

M&A is committed to protecting consumer credit card data in compliance with the Payment Card Industry Data Security Standard (PCI DSS). Our commitment to the PCI DSS Standard is reflected in the people, technologies and processes we employ. We conduct regular vulnerability scans and penetration tests in accordance with the PCI DSS requirements for our business model. In addition, our PCI compliance is attested to annually by a PCI Qualified Security Assessor (QSA).

National Automated Clearinghouse Association

M&A is committed to securely storing, accessing, processing and transmitting sensitive customer information in compliance with the current Operating Rules of the National Automated Clearinghouse Association (NACHA). M&A makes every effort to comply with all applicable NACHA Rules meant to safeguard our customers’ sensitive financial and non-financial data and ensure that all ACH transactions are handled smoothly and securely. As part of that process, M&A routinely conducts its annual ACH Rules compliance audit and risk assessment. 

By providing your email address, you give your permission and consent and further agree that M&A may send e-mails to you at the e-mail address(es) you provide us or use other electronic means of communication to the extent permitted by law. You further understand that providing a work or government email address for communication may allow for third parties to view communications about your account, and that by providing such email address, you agree to waive any claims related to third party disclosure from those work or government entities including FDCPA claims, and any private right of action claims related to state or federal privacy laws.

 Email & Text Consent Disclosure

To communicate with you via email, Morgan and Associates P.C. requires your consent. By consenting to communicate with Morgan and Associates P.C. via email, you confirm and agree to the following.

• You have read the Morgan and Associates P.C. email communications policy and disclosures, and you authorize Morgan and Associates P.C. to communicate with you by email;

• The email address you provide above is a personal email address and not provided by your employer, or a work or school email address. Work, government, and school email address are not private and may be subject to third parties accessing that information. If you provide an email address that may be monitored by third parties, you consent to any third party disclosure that may occur;

• Only you have access to emails sent to and from the email address provided above;

• You agree to take reasonable precautions to ensure the non-disclosure of email communications with Morgan and Associates P.C., which may contain private, sensitive, and/or confidential information;

• Notwithstanding the foregoing, to the extent that any third-party disclosure of email and/or voicemail communications with Morgan and Associates P.C. occurs, you consent to the disclosure of the same to such third parties;

• You are not represented by an attorney;

• You are not an active member of the United States Military or its Allies; and

• Your account(s) have not been discharged in bankruptcy.

• Your account(s) is/are not part of any pending bankruptcy proceeding.

• You are not a petitioner in any pending bankruptcy proceeding.

• You authorize Morgan and Associates P.C. to provide any account-related documents to the authorized email address.

By providing consent you are acknowledging that this is a private, non-business-based email address and authorize Morgan and Associates P.C. to send electronic communications via email.

Email & Text Consent

I have read the Morgan and Associates P.C. Email communication policy and disclosures, and I authorize Morgan and Associates P.C. to communicate with me about this account by email.

By providing my phone number, you provide consent under the Telephone Consumer Protection Act (“TCPA”) to receive phone calls and text messages from Morgan and Associates P.C. about my account if necessary.

Your use of this website is conditioned upon acceptance of these terms.

Terms and Conditions for SMS Communication

By opting in to receive SMS communications from Morgan and Associates P.C. (“we,” “us,” or “our”),

you agree to the following terms and conditions:

Program Description: you may receive text messages from Morgan and Associates P.C. regarding the following: status updates, payment reminders, billing notification, delivery updates when applicable, or other matters pertaining strictly to your account.

● Consent to Receive SMS- By providing your mobile phone number and opting in, you consent to receive SMS messages from Morgan and Associates P.C. related to order updates or customer service inquiries.

Message frequency may vary based on your interactions with us.

● Message and Data Rates- Standard message and data rates may apply depending

on your mobile carrier and plan. You are responsible for any charges incurred for

receiving SMS messages.

● Opting Out-You may opt out of receiving SMS messages at any time by replying

with “STOP” to any SMS message you receive from us. After opting out, you will

receive a confirmation message, and we will cease sending SMS messages to your

number. Please note that opting out may affect your ability to receive certain types of

communications.

● Help and Support- If you need assistance or have questions about our SMS service,

reply with “HELP” to any SMS message you receive, or contact our customer

support team at consumerhelp@morganandassoc.com.

● Privacy- Your mobile phone number and other personal information will be handled

in accordance with our Privacy Policy, available at Privacy Policy. We do not sell or

share your phone number with third parties except as required by law.

● Changes to Terms- We may update these terms and conditions from time to time.

Any changes will be effective when we send a new SMS message or update our

terms on our website. Your continued use of the SMS service constitutes acceptance

of the revised terms.

● Liability- Morgan and Associates P.C. is not responsible for any delays or failures in the

delivery of SMS messages due to issues with your mobile carrier or other technical

problems.

By opting in, you acknowledge that you have read, understood, and agree to these terms

and conditions.

Privacy Policy

We will not share your SMS opt-in information with any third party for any reason other than deliver the specific services associated with the campaign. However, we may share your personal data, including your SMS opt-in or consent status, with third parties that assist us in providing messaging services, such as platform providers, phone carriers, and other vendors involved in delivering text messages.

DISCLAIMER

This information is provided for informational purposes only. It is not intended to provide legal, accounting or other professional advice and should not be relied on as such.

MORGAN & ASSOCIATES, P.C ., ITS DIRECTORS, OFFICERS, LICENSORS AND AFFILIATED COMPANIES SHALL NOT, UNDER ANY CIRCUMSTANCES, BE LIABLE TO ANY PERSON FOR ANY DAMAGES, INCLUDING SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES (SUCH AS DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENTED ON ITS WEBSITE, LOSS OF PROFITS, OR COSTS OF REPLACEMENT GOODS), EVEN IF INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

EVERY EFFORT HAS BEEN MADE TO ENSURE THE ACCURACY OF THE INFORMATION PRESENTED, HOWEVER, MORGAN & ASSOCIATES, P.C ., SHALL NOT BE RESPONSIBLE FOR ANY TRANSMISSION PROBLEM, ERRORS OR OUTDATED INFORMATION PROVIDED HEREIN. YOU AGREE TO ASSUME ALL RISKS IN THE TRANSMISSION OF ANY DATA O

 R INFORMATION TO MORGAN & ASSOCIATES P.C. LAW OFFICE INCLUDING ANY INTERCEPTION BY THIRD PARTIES.