Rezo Processing

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Terms and Conditions of Service

1. Scope and Applicability

These Terms and Conditions of Service (“Terms”) govern the relationship between Rezo Processing, company with offices at 1309 Coffeen Ave, Suite 15409, Sheridan, Wyoming, 82801 (“Rezo Processing,” “we,” “our,” or “us”), and the individual identified in the executed xCustomer Information Summary (“you” or “your”).

Together, these Terms, the Customer Information Summary, the Debt Schedule, and the Disclaimer (collectively, the “Agreement”) constitute the complete and exclusive agreement between the parties. This Agreement replaces and supersedes any prior or contemporaneous discussions, agreements, representations, or understandings, whether written or oral.

2. Description of Services

Subject to the terms of this Agreement, we provide non-legal administrative, correspondence, and support services related to consumer debt matters (the “Services”), which include:

  • Assisting you with written communications involving creditors and debt collectors concerning the debts listed in your Debt Schedule (each a “Debt,” collectively the “Debts”).
  • Preparing and submitting written debt validation requests to debt collectors and working with you to gather required supporting information.
  • Supporting you in the debt dispute process when a debt appears inaccurate, incomplete, or otherwise invalid, including obtaining written responses from collectors.
  • Managing incoming and outgoing correspondence related to your Debts, processing scheduled payments as outlined in this Agreement, and communicating with creditors and credit bureaus in compliance with applicable laws.
  • Monitoring the progress of Services and providing periodic updates. A designated file manager will be available to respond to questions and requests.
  • If you retain a law firm within our affiliated network, we will remit payment for the specific services that firm provides to you.

3. Services Not Provided

We do not offer services beyond those expressly stated above. In particular, we do not provide services excluded under Part 3 – Disclaimer, and we do not offer legal advice or legal representation unless expressly stated and handled by a licensed attorney.

4. Use of Third Parties

We may use third-party providers to perform some or all of the Services. While we are not required to notify you of each instance of third-party use, we remain responsible for the overall quality of the Services delivered.

To facilitate Services or to introduce optional third-party offerings (“External Services”), we may share your personal and debt-related information as permitted by law. You are not required to purchase any External Services, and separate agreements may be required directly between you and third-party providers.

5. Your Responsibilities

You agree to:

  • Provide complete, accurate, and truthful information regarding your Debts.
  • Deliver all relevant correspondence (excluding routine billing statements) from creditors, collectors, credit bureaus, attorneys, or courts within five (5) days of receipt, preferably by email to [email protected].
  • Notify us immediately upon receiving a court summons or notice of legal action.
  • Promptly inform us of any harassing, abusive, or improper collection activity.
  • Maintain a record of all communications with creditors or collectors and provide it upon request.
  • Keep your contact and payment information current.
  • Pay all fees on time.
  • Respond to our communications within three (3) business days.
  • Cooperate fully and participate when your involvement is required.

6. Fees and Payments

You agree to pay the monthly fees listed in your Customer Information Summary (“Fees”). Fees compensate us for Services rendered and are not applied toward debt settlement or repayment.

Late or returned payments may result in service suspension and a $25 administrative charge per occurrence. You are responsible for all applicable taxes.

7. Intellectual Property

All materials, documents, systems, processes, and work product provided by us or developed in connection with the Services (“Our Materials”) remain our exclusive intellectual property. You may not copy, distribute, or use these materials without prior written consent.

8. Confidentiality

All non-public information shared between the parties, including Our Materials, is confidential. You may not disclose or reproduce such information without authorization. We may share your information as permitted under this Agreement and our Privacy Policy.

9. Term and Termination

  • This Agreement begins on the Starting Date and continues for the term stated in the Customer Information Summary unless terminated earlier.
  • Either party may terminate the Agreement with 30 days’ written notice.
  • If you terminate within the first three (3) months, an early termination fee of $100 applies.
  • We may terminate immediately for non-payment.
  • Termination does not relieve you of obligations or liabilities incurred prior to termination. Certain provisions will survive termination.

10. SMS Terms of Service

By providing your phone number and opting in through our website forms, you consent to receive conversational, informational, and promotional SMS messages from Rezo Processing related to our services.

Message frequency may vary.

Message and data rates may apply depending on your mobile carrier plan.

You can opt out of receiving SMS messages at any time by replying STOP to any message. After you send STOP, you will receive a confirmation message and no further messages will be sent.

For assistance, reply HELP or contact us at [email protected].

Phone numbers collected for SMS consent will not be shared with third parties or affiliates for marketing purposes.

For more information, please review our Privacy Policy:
https://rezoprocessing.com/privacy-policy/

11. General Provisions

Notices
All notices must be in writing and sent via recognized courier or certified mail. We may also provide notices and legal documents via email.

Severability
If any provision is deemed unenforceable, the remaining provisions will remain in effect.

Amendments
Changes to this Agreement must be agreed to in writing or accepted through continued use following notice. You may opt out by terminating during the notice period.

Assignment
You may not transfer or assign your rights or obligations without our written consent.

Independent Contractors
The parties are independent contractors. Nothing in this Agreement creates a partnership, agency, or fiduciary relationship.

Interpretation
Headings are for convenience only. This Agreement shall be interpreted fairly without bias toward the drafting party.

Execution
This Agreement may be signed electronically and in counterparts, each of which is deemed an original.