Terms of Use

Last Updated: February 26, 2026

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("Member," "you," or "your") and RTOAsk ("RTOAsk," "we," "us," or "our"). By accessing or using the RTOAsk platform, you agree to comply with and be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not access or use the RTOAsk platform.

2. Description of Service

RTOAsk is a business-to-business platform designed to help rent-to-own businesses verify customer information and assess risk before entering into rental agreements. Our service provides:

• A shared database of customer payment histories and account statuses
• Customer lookup and verification capabilities
• Cross-business customer information sharing
• Tools for monitoring and managing customer accounts
• State-specific access controls for member businesses

3. Eligibility and Account Registration

3.1 Eligibility

To use RTOAsk, you must:

• Be a legitimate business operating in the rent-to-own, retail financing, or related industry
• Be at least 18 years of age
• Have the authority to bind your business to these Terms
• Provide accurate and complete registration information
• Maintain the confidentiality of your account credentials

3.2 Account Approval

All member accounts are subject to administrative approval. RTOAsk reserves the right to:

• Deny any account application without explanation
• Require additional verification or documentation
• Set geographic restrictions (allowed states) for your account
• Suspend or terminate accounts that violate these Terms

3.3 Account Security

You are responsible for:

• Maintaining the security of your username and password
• Enabling and maintaining two-factor authentication (2FA) using a valid cell phone number
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

Passwords must meet our security requirements: minimum 10 characters with uppercase, lowercase, numbers, and special characters.

4. Permitted Use

4.1 Authorized Users

RTOAsk is intended exclusively for legitimate business purposes. You may use the platform to:

• Verify customer information before entering rent-to-own agreements
• Submit customer payment history and account status updates
• Search for customers within your approved states
• Monitor and update customer records you have submitted
• Assess business risk and make informed lending decisions

4.2 Prohibited Uses

You agree NOT to:

• Access or attempt to access customer information outside your approved states
• Share your account credentials with unauthorized individuals
• Use the platform for any purpose other than legitimate business verification
• Submit false, misleading, or inaccurate customer information
• Attempt to reverse-engineer, hack, or compromise the platform's security
• Scrape, mine, or extract data from the platform using automated tools
• Use customer information for marketing, solicitation, or harassment
• Violate any applicable federal, state, or local laws or regulations
• Interfere with other members' use of the platform
• Upload viruses, malware, or other malicious code

5. Customer Information and Data Submission

5.1 Your Responsibilities

When submitting customer information to RTOAsk, you represent and warrant that:

• You have a legitimate business relationship with the customer
• You have obtained all necessary consents and authorizations to submit the information
• The information is accurate and up-to-date to the best of your knowledge
• You will promptly update customer records as circumstances change
• You will comply with all applicable privacy laws and regulations, including the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and state privacy laws

5.2 Customer Consent

You are solely responsible for obtaining appropriate consent from customers before submitting their information to RTOAsk. This may include:

• Authorization to verify credit and rental history
• Consent to share information with other rent-to-own businesses
• Acknowledgment of information sharing practices

5.3 Data Accuracy

You agree to:

• Ensure all submitted information is accurate and complete
• Update customer records when their status changes (e.g., account paid off, repossession, legal action)
• Correct any errors or inaccuracies promptly when discovered
• Delete customer records upon request when legally permissible

6. Information Sharing and Cross-Business Access

6.1 Shared Database

Customer information you submit becomes part of a shared database accessible to other verified RTOAsk members. You understand and agree that:

• Other members in your approved states may view customer records you submit
• You may view customer records submitted by other members in your approved states
• All members have a responsibility to use this information ethically and legally
• Information is provided "as-is" without warranty of accuracy or completeness

6.2 Use of Shared Information

When accessing customer information submitted by other members:

• Use the information solely for risk assessment and verification purposes
• Do not contact customers for marketing or solicitation
• Verify critical information independently before making business decisions
• Respect the confidentiality and privacy of customer information

7. Fees and Payment

RTOAsk may charge subscription fees, usage fees, or other charges for access to the platform. By using RTOAsk, you agree to:

• Pay all applicable fees in a timely manner
• Provide accurate billing information
• Accept that fees are non-refundable except as required by law
• Acknowledge that RTOAsk may change fees with 30 days' notice
• Understand that failure to pay may result in account suspension or termination

8. Intellectual Property

8.1 RTOAsk Ownership

RTOAsk and all related trademarks, logos, software, and content are the property of RTOAsk or its licensors. You do not acquire any ownership rights by using the platform.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use RTOAsk for your business purposes in accordance with these Terms. This license terminates upon account closure or termination.

8.3 Customer Data

You retain ownership of the customer information you submit, but you grant RTOAsk a perpetual, worldwide license to use, store, and share this information as necessary to operate the platform and provide services to other members.

9. Disclaimers and Limitations of Liability

9.1 No Warranty

RTOAsk is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or reliability of customer information
• Uninterrupted or error-free operation
• Fitness for a particular purpose
• Non-infringement of third-party rights

9.2 Independent Verification

You acknowledge that:

• Customer information is submitted by third parties and may be inaccurate
• You must independently verify information before making business decisions
• RTOAsk is not a credit reporting agency and does not provide credit reports
• RTOAsk does not guarantee the creditworthiness or reliability of any customer

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RTOASK SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from your reliance on information obtained through RTOAsk
• Damages caused by unauthorized access to your account
• Damages exceeding the fees paid by you in the 12 months preceding the claim

10. Indemnification

You agree to indemnify, defend, and hold harmless RTOAsk, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

• Your use of the RTOAsk platform
• Your violation of these Terms
• Your violation of any third-party rights, including privacy rights
• Your submission of inaccurate or unlawful customer information
• Your failure to obtain required customer consents

11. Compliance with Laws

You agree to comply with all applicable laws and regulations, including but not limited to:

• Fair Credit Reporting Act (FCRA): Understand that RTOAsk is not a consumer reporting agency and customer information should not be used as a substitute for traditional credit reports
• Gramm-Leach-Bliley Act (GLBA): Implement appropriate safeguards to protect customer financial information
• State Privacy Laws: Comply with applicable state privacy and data protection laws
• Fair Debt Collection Practices Act (FDCPA): Use customer information ethically and in compliance with debt collection regulations

12. Account Suspension and Termination

12.1 Termination by You

You may terminate your account at any time by contacting RTOAsk at admin@rtoask.com. Upon termination:

• Your access to the platform will be revoked
• Customer information you submitted will remain in the database
• You remain liable for any outstanding fees

12.2 Termination by RTOAsk

We may suspend or terminate your account immediately, without notice, if:

• You violate these Terms
• You fail to pay required fees
• Your account is used for fraudulent or illegal purposes
• We are required to do so by law
• We discontinue the RTOAsk service

12.3 Effect of Termination

Upon termination:

• Your license to use RTOAsk immediately terminates
• All fees owed become immediately due
• Sections of these Terms that by their nature should survive (indemnification, limitation of liability, etc.) will continue to apply

13. Modifications to Terms

RTOAsk reserves the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on the platform
• Updating the "Last Updated" date
• Sending email notification to your registered email address

Your continued use of RTOAsk after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the changes, you must discontinue use and close your account.

14. Dispute Resolution and Governing Law

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law provisions.

14.2 Arbitration

Any dispute arising from these Terms or your use of RTOAsk shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court for violations of intellectual property rights or confidentiality obligations.

14.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis only, and you waive any right to participate in a class action lawsuit or class-wide arbitration.

15. Miscellaneous

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and RTOAsk regarding your use of the platform.

15.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15.3 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

15.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. RTOAsk may assign these Terms without restriction.

15.5 Force Majeure

RTOAsk is not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or internet/telecommunications failures.

16. Contact Information

If you have questions about these Terms of Use, please contact us:

RTOAsk
Email: admin@rtoask.com
Phone: [Your Phone Number]
Address: [Your Business Address]