Last Updated: June 3, 2026

These Terms of Use ("Terms") govern your access to and use of the Professional Finance Company, Inc. ("PFC," "we," "our," or "us") websites, online account portals, mobile-enabled services, and related online services (collectively, the "Site").

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site.

These Terms govern your use of the Site only. Information regarding our collection, use, disclosure, and protection of personal information is addressed separately in our Privacy Policy.

PURPOSE OF THE SITE

The Site is provided to allow consumers, clients, and other authorized users to obtain information regarding our services, access account information where authorized, make payments, communicate with us, and utilize other available online services.

Nothing on the Site constitutes legal advice, financial advice, credit advice, or a waiver of any rights or obligations applicable under federal, state, or local law.

DEBT COLLECTION DISCLOSURES

Professional Finance Company may act as a debt collector with respect to certain accounts. Any communications concerning a consumer account are subject to applicable federal, state, and local laws governing debt collection activities. Nothing contained within these Terms modifies any rights afforded to consumers under applicable law.

PERMITTED USE

You may use the Site only for lawful purposes and only in accordance with these Terms. You agree not to:

• Access or attempt to access information not intended for you;

• Use the Site in any manner that could disable, overburden, damage, or impair the Site;

• Introduce malicious code, viruses, bots, or automated tools;

• Interfere with the security or operation of the Site;

• Misrepresent your identity or authority.

ACCOUNT ACCESS AND SECURITY

If you are provided credentials to access an account portal, you are responsible for maintaining the confidentiality of your credentials and for all activities occurring under your account. You agree to notify PFC immediately of any suspected unauthorized access or use.

PAYMENT SERVICES

Payments submitted through the Site are subject to verification and acceptance. Submission of a payment request does not guarantee processing or settlement. PFC reserves the right to reject, reverse, or suspend transactions as permitted by applicable law.

DISCLAIMERS

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, PFC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND UNINTERRUPTED ACCESS.

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PFC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THE USE OF THE SITE.

GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to conflict-of-law principles.

CHANGES TO THESE TERMS

We may revise these Terms at any time. Revised Terms become effective upon posting. Continued use of the Site after any revision constitutes acceptance of the updated Terms.

TESTIMONIAL DISCLAIMER

In accordance with Federal Trade Commission (FTC) guidelines regarding endorsements and testimonials in advertising, please note the following:

Testimonials appearing on this website are submitted by actual clients, partners, or individuals through written, audio, or video communication and reflect their personal experiences with PFC USA’s services. These testimonials are individual experiences and may not reflect the experiences of all clients. Results and experiences may vary depending on a variety of factors, and we do not claim or guarantee that similar results will be achieved.

Testimonials featured on pfcusa.com are representative only of the individuals providing them and should not be interpreted as a guarantee of future performance or success. Testimonials submitted by employees of an organization reflect their personal experiences and do not necessarily represent the views or positions of their employer.

Testimonials may be edited for clarity, grammar, spelling, or length, while preserving the original intent and substance of the message. In some cases, portions of longer testimonials may be omitted if deemed irrelevant or redundant for public display.

All testimonials published on this website are reviewed by PFC USA management prior to posting to ensure authenticity, appropriateness, and relevance. PFC USA reserves the right to approve, reject, or remove testimonials at its discretion.

CONTACT INFORMATION

Professional Finance Company, Inc.

5754 West 11th Street, Suite 100

Greeley, Colorado 80634

Phone: (855) 267-7451