The Okinus application and lease-purchase program is owned and operated by Okinus, Inc. (“Okinus”), and is provided to you (“you” or “Applicant”) under the terms and conditions of this Okinus Service Agreement (“Agreement”). Okinus reserves the right, in its sole discretion, to change, modify, add, and/or remove all or part of the Agreement at any time with or without notice. Please refer back to this Agreement often.
By submitting your personal information you authorize Okinus to obtain your credit report to determine if you are pre-qualified for any offers and you acknowledge that:
- This is not an application for credit and your credit score won’t be affected.
- Okinus may review your recent credit history and/or other information.
- Identification of pre-qualified offers does not guarantee account approval.
The applicant promises that the information that the applicant provides on this application is accurate. The user authorizes Okinus to verify this information and to obtain reports about the user from consumer reporting agencies. The user authorizes Okinus to share information that Okinus has about the user at any time for marketing and administrative purposes, as permitted by law. Upon request, Okinus will tell the user if Okinus has received a consumer report and the name and address of the agency that provided it. Okinus may provide account information to the credit reporting agencies. Any of the above activity may impact the user’s credit score.
The consumer is providing written instructions to the customer to obtain a consumer report on the consumer per §604(a)(2) of the FCRA;
The consumer report as well as any information in or derived from the consumer report will only be used in connection with a pre-qualification;
Obtaining the consumer report will result in a soft inquiry posting and will not affect the consumer’s credit score; and
The consumer report as well as any information in or derived from the consumer report will not be used in connection with an actual credit application.
The consumer agrees that by accepting a pre-qualified offer Okinus may request a hard inquiry on the consumer which may impact their credit file
If approved using the Okinus Application you will be eligible to purchase merchandise. This eligibility is limited to 30 days from the date you receive your approval. Approval is not guaranteed and is subject to the conditions of Okinus.
Okinus may provide information about you to credit bureaus regarding your activity with Okinus, and including but not limited to, the consummation of the contract, its terms, and payment performance.
NOTHING IN THIS AGREEMENT OBLIGATES OKINUS TO LEASE MERCHANDISE TO YOU. IF THE MERCHANDISE YOU SELECT IS ACCEPTED BY OKINUS AND YOU SIGN THE LEASE AGREEMENT WITH OKINUS, YOU WILL BE SUBJECT TO THE TERMS AND CONDITIONS OF THAT LEASE AGREEMENT.
Okinus maintains information about Applicant on Okinus servers, including but not limited to the Application information. Applicant agrees that Okinus may use such information in aggregate form for marketing or other promotional purposes. Applicant agrees that Okinus may disclose such information in the good faith belief that such action is reasonably necessary: (a) to comply with the law or legal process; (b) to enforce this Agreement; or (c) to protect the rights or interests of Okinus or others; provided, however, that nothing in this section shall impose a duty on Okinus to make any such disclosures.
Okinus may contact Applicant using the Applicant’s email address provided during the registration process (or as updated by Applicant). Such email messages may contain opportunities regarding special offers and new products from Okinus, its affiliates or partners.
Okinus may contact Applicant via text message using the Applicant’s cellphone provided during the registration process (or as updated by Applicant). Such text messages may contain opportunities regarding special offers and new products from Okinus, its affiliates or partners.
You authorize your wireless carrier to disclose information about your account, such as subscriber status, payment method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. This information may also be shared with other companies to support your transactions with us and for identity verification and fraud avoidance purposes.
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER THIS AGREEMENT NOR ANY DOCUMENTATION FURNISHED UNDER IT IS INTENDED TO EXPRESS OR IMPLY ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.
OKINUS, AND ITS PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS,DIRECTORS, SHAREHOLDERS, EMPLOYEES AND AGENTS, SHALL NOT BE LIABLE, UNDER ANY CIRCUMSTANCES OR LEGAL OR EQUITABLE THEORIES WHATSOEVER, FOR ANY LOSS OF BUSINESS, PROFITS OR GOODWILL, LOSS OF USE OR DATA, INTERRUPTION OF BUSINESS, OR FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY CHARACTER, EVEN IF OKINUS IS AWARE OF THE RISK OF SUCH DAMAGES, THAT RESULT IN ANY WAY FROM APPLICANT’S USE OF OR INABILITY TO USE THIS SERVICE.
OKINUS’ LIABILITY TO APPLICANT SHALL NOT, FOR ANY REASON, EXCEED THE AMOUNT ACTUALLY PAID BY APPLICANT TO OKINUS UNDER THIS AGREEMENT.
Okinus is not liable for any delay or failure in performance under the Agreement resulting directly or indirectly from acts of God, terrorism, or other causes beyond its reasonable control.
Any notices or communications under the Agreement shall be by electronic mail, in writing or by text message and shall be deemed delivered upon receipt to the party to whom such communication is directed, at the addresses or cellphone number specified. If to Okinus, such notices shall be addressed to firstname.lastname@example.org or to Okinus, Inc. PO Box 691, Pelham, GA 31779. If to Applicant, such notices shall be addressed to the electronic or mailing address specified in Applicant’s form, or such other address as either party may give the other by notice as provided in this Section. It is the Applicant’s responsibility to provide an accurate address and to ensure that Okinus is notified of any changes to Applicant’s address as specified in this Section.
This Agreement constitutes the entire agreement between the parties with respect to the Application and supersedes all previous or contemporaneous proposals, both oral and written, representations, writings and all other communications between the parties with respect to such subject matter.
ARBITRATION AND WAIVER OF JURY TRIAL. PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. UNLESS YOU EXERCISE YOUR RIGHT TO OPT-OUT OF ARBITRATION IN THE MANNER DESCRIBED BELOW, YOU AGREE THAT ANY DISPUTE WILL BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO HAVE A JURY TRIAL, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY BE PROVIDED FOR IN THE ARBITRATION RULES), AND TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS OR IN ANY CONSOLIDATED ARBITRATION PROCEEDING OR AS A PRIVATE ATTORNEY GENERAL. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN ARBITRATION.
Agreement to Arbitrate. You and we (defined below) agree that any Dispute (defined below) will be resolved by Arbitration. This agreement to arbitrate is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and the substantive law of the State of Georgia without applying its choice-of-law rules). Nothing in this arbitration agreement is intended to prevent either of us from filing a lawsuit in an appropriate small claims court for an amount that does not exceed the court’s jurisdictional limits. If counterclaims or other motions would cause the lawsuit to be removed from small claims court to another court, the dispute must be resolved by arbitration.
What Arbitration Is. “Arbitration” is a means of having an independent third party resolve a Dispute. A “Dispute” is any claim or controversy of any kind between you and us. The term Dispute is to be given its broadest possible meaning and includes, without limitation, all claims or demands (whether past, present, or future, including events that occurred prior to origination of your Rental-Purchase Agreement (“Agreement”) and whether or not an Agreement is provided to you, based on any legal or equitable theory (contract, tort, or otherwise) and regardless of the type of relief sought (i.e., money, injunctive relief, or declaratory relief). A Dispute includes, by way of example and without limitation, any claim based upon a federal or state constitution, statute, ordinance, regulation, or common law, and any issue concerning the validity, enforceability, or scope of this arbitration agreement.
For purposes of this arbitration agreement, the terms “you” and “your” include any co-signer, co-obligor, or guarantor and also your heirs, guardian, personal representative, or trustee in bankruptcy. The terms “we,” “our,” and “us” mean Lessor and include Lessor’s employees, officers, directors, members, managers, attorneys, affiliated companies, predecessors, and assigns, as well as Lessor’s marketing, servicing, and collection representatives and agents.
How Arbitration Works. If a Dispute arises, the party asserting the claim or demand must initiate arbitration, provided you or we may first try to resolve the matter informally or through customary business methods, including collection activity. The party filing an arbitration must choose either of the following arbitration firms for initiating and pursuing an arbitration: the American Arbitration Association (“AAA”) or JAMS, The Resolution Experts (“JAMS”). If the parties mutually agree, a private party, such as a retired judge, may serve as the arbitrator. If you claim you have a Dispute with us, but do not initiate an arbitration or select an arbitrator, we may do so. You may obtain copies of the current rules of each of the arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows:
American Arbitration Association
335 Madison Avenue, Floor 10
New York, NY 10017-4605
Telephone (800) 778-7879
JAMS, The Resolution Experts
1920 Main Street, Suite 300
Irvine, CA 92614
Telephone (949) 224-1810 or (800) 352-5267
The policies and procedures of the selected arbitration firm will apply provided such policies and procedures are consistent with this arbitration agreement. To the extent the arbitration firm’s rules or procedures are different than the terms of this arbitration agreement, the terms of this arbitration agreement will apply.
What Arbitration Costs. No matter which party initiates the arbitration, we will advance or reimburse filing fees and other costs or fees of arbitration, provided each party will be initially responsible for its own attorneys’ fees and related costs. Unless prohibited by law, the arbitrator may award fees, costs, and reasonable attorneys’ fees to the party who substantially prevails in the arbitration.
Location of Arbitration. Unless you and we agree to a different location, the arbitration will be conducted within 30 miles of your then current mailing address.
Waiver of Rights. You are waiving your right to a jury trial, to have a court decide your Dispute, to participate in a class action lawsuit, and to certain discovery and other procedures that are available in a lawsuit. You and we agree that the arbitrator has no authority to conduct class-wide arbitration proceedings and is only authorized to resolve the individual Disputes between you and us. The validity, effect, and enforceability of this waiver of class action lawsuit and class-wide arbitration, if challenged, are to be determined solely by a court of competent jurisdiction and not by the AAA, JAMS, or an arbitrator. If such court refuses to enforce the waiver of class-wide arbitration, the Dispute will proceed in court and be decided by a judge, sitting without a jury, according to applicable court rules and procedures, and not as a class action lawsuit. The arbitrator has the ability to award all remedies available by statute, at law, or in equity to the prevailing party.
Applicable Law and Review of Arbitrator’s Award. The arbitrator shall apply applicable federal and Georgia substantive law and the terms of this Agreement. The arbitrator must apply the terms of this arbitration agreement, including without limitation the waiver of class-wide arbitration. The arbitrator shall make written findings and the arbitrator’s award may be filed with any court having jurisdiction. The arbitration award shall be supported by substantial evidence and must be consistent with this Agreement and with applicable law, and if it is not, it may be set aside by a court. The parties shall have, in addition to the grounds referred to in the Federal Arbitration Act for vacating, modifying, or correcting an award, the right to judicial review of (a) whether the findings of fact rendered by the arbitrator are supported by substantial evidence and (b) whether the conclusions of law are erroneous under the substantive law of Georgia and applicable federal law. Judgment confirming an award in such a proceeding may be entered only if a court determines that the award is supported by substantial evidence and is not based on legal error under the substantive law of Georgia and applicable federal law.
Survival. This arbitration provision shall survive: (1) cancellation, payment, charge-off, or assignment of this Agreement; (2) the bankruptcy of any party; and (3) any transfer, sale, or assignment of this Agreement, or any amounts owed under this Agreement, to any other person or entity.
Right to Opt-Out. If you do not wish to agree to arbitrate all Disputes in accordance with the terms and conditions of this section, you must advise us in writing at the following address by either hand delivery or a letter postmarked no later than thirty (30) days following the date you enter into this Agreement. You may opt-out without affecting your application or status as a lessee at our address above.