Website Usage & Payment Portal

1. Acceptance of Terms

By accessing and using this website and its online payment portal (collectively, the “Site”), you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree with any part of these Terms, you must not use the Site. Your continued use of the Site constitutes your acceptance of these Terms.

2. Purpose of the Site & Legal Disclosure

This Site is provided by Maury Cobb, Attorney at Law, LLC a debt collection law firm. The Site and its online payment portal are tools to facilitate secure payments and communications related to debts being serviced by the Firm.

THIS IS A DEBT COLLECTION ACTIVITY: Communications via this Site may be from a debt collector and are attempts to collect a debt. Nothing on this Site constitutes legal advice or creates an attorney-client relationship.

3. User Eligibility

• You represent and warrant that:
• You are at least 18 years old or of the age of majority in your jurisdiction.
• You have authority to use any payment method you provide.
• You will only use the Site for lawful purposes and in accordance with these Terms.

4. Use of the Site

• You agree not to:
• Use the Site for any unlawful purpose or in violation of applicable law.
• Interfere with the operation or security of the Site, including hacking, data scraping, or attempting unauthorized access.
• Use any automated means (bots, scrapers) to access or extract information from the Site without permission.
• Circumvent Site controls or attempt to impersonate another user.

5. Online Payment Terms

• By submitting payment information through this Site:
• You authorize Maury Cobb, Attorney at Law, LLC or its authorized payment
• processor to debit your selected account for the payment amount.
• Payments are processed securely via third-party processors. Payment data is subject to the processor’s privacy and security policies in addition to our Terms.
• You agree to provide accurate billing information and to update that information as necessary.
• You acknowledge that payment confirmation may be sent to the email address you provide at the time of payment.

6. Consumer Rights & Compliance

Nothing in these Terms may be interpreted as requiring you to waive any statutory consumer rights — including the right to dispute a debt or to request validation of the debt. Such rights are governed by applicable federal and state laws, and agreeing to these Terms does not diminish your statutory rights.

7. Modification of Terms

We may revise these Terms at any time by updating the effective date and posting the revised Terms on the Site. Your continued use of the Site after such changes constitutes acceptance of those changes.

8. Privacy & Data Security

Your use of the Site is also governed by the Privacy Policy, which explains how we collect, use, and protect personal data you provide, including payment information. You consent to our use of your information consistent with the Privacy Policy.

9. Limitation of Liability

To the fullest extent permitted by law, Cobb Law its affiliates, employees, and service providers will not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Site, including without limitation any loss arising from payment processing errors, system interruptions, or unauthorized access.

10. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Alabama without regard to conflict of laws principles. Any dispute arising from or relating to these Terms or your use of the Site shall be resolved in the courts located in Alabama.