Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the websites, borrower portal, and related services offered by Texas Star Title & Loans / Mineola Texas Star, LLC (“Company,” “we,” or “us”). By creating an account, accessing the Services, or submitting an application, you agree to these Terms. If you do not agree, do not use the Services.

1. Governing law and venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Subject to applicable federal law and any mandatory venue rules, you agree that courts located in Texas have exclusive jurisdiction over disputes arising from these Terms or the Services, and you consent to personal jurisdiction there.

2. Eligibility (18+) and accounts

You must be at least eighteen (18) years of age to create an account, use the Services, or apply for a loan through us. We do not knowingly provide credit access services to individuals under 18. You must provide accurate, current information (including your date of birth when requested) and keep your account information up to date. You may not use the Services for unlawful purposes or in a way that interferes with other users or our systems.

3. Acceptable use

You agree not to:

• Violate any law or regulation;
• Attempt to gain unauthorized access to our systems, other users’ accounts, or data;
• Upload malware, scrape or overload the Services, or circumvent security measures;
• Use the Services to harass, threaten, or defraud any person;
• Misrepresent your identity, age, or affiliation; or
• Use automated means to access the Services except as we expressly permit.

We may suspend or terminate access for conduct that we reasonably believe violates these Terms or creates risk.

4. Account security responsibilities

You are responsible for safeguarding access to your account, including your email and phone used for authentication, one-time codes, and any passwords or devices you use. You must:

• Notify us promptly if you suspect unauthorized access;
• Not share verification codes or sign-in links with anyone;
• Use devices and networks you trust when accessing the Services; and
• Log out and secure your device when using shared computers.

We will never ask you for your password, full Social Security Number, or verification codes via unsolicited email, text, or phone calls. Treat such requests as fraudulent.

5. Credit Access Business role and loan disclosures

Company operates as a Credit Access Business (“CAB”) licensed by the Texas Office of Consumer Credit Commissioner (OCCC). Loan approval, terms, and servicing may involve independent third-party lenders. Your loan agreement, Truth-in-Lending disclosures, and lender documents control the credit relationship; these Terms govern your use of our Services.

Before applying, you must review our OCCC cost disclosures and finance charge schedules for cash advance / payday and auto title products, and you may review our OCCC licenses and Credit Services Organization registration certificates. Those documents are available in the portal and at:

• Payday / cash advance cost disclosure and cash advance finance charge schedule
• Auto title loan cost disclosure and title loan finance charge schedule
• Licenses & registrations

Cash advance and title loans are payday / short-term credit products. They are not intended to meet long-term financial needs and should only be used for intermediate short-term cash needs. Refinancing rather than paying the debt in full when due will require payment of additional charges. Representative APR, fees, late charges, and repayment examples appear in the finance charge schedules and cost disclosures; your individual loan terms control.

6. Privacy, text messages, and electronic communications

Our collection and sharing of personal information is described in our Privacy Policy (GLBA notice). Text messaging practices, rates, STOP/HELP instructions, and consent are described in our Text Message Policy. Electronic delivery of notices and documents is governed by our Electronic Communications / E-SIGN Consent. Agreeing in the portal records your consent with document version and related audit information.

7. Payments

All payment processing for card or other electronic payments is handled exclusively by third-party payment processors. Texas Star Title & Loans does not capture, transmit, or store full payment card data (such as full card numbers, CVV, or magnetic stripe data) on its own servers. When you make a payment, you are subject to the processor’s terms and privacy practices as well as any instructions we provide at the point of payment.

8. Intellectual property

The Services, including software, text, graphics, and branding, are owned by Company or its licensors. Except for the limited right to use the Services as offered, no rights are granted.

9. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. WE DO NOT GUARANTEE THAT ANY LOAN APPLICATION WILL BE APPROVED OR THAT ANY PARTICULAR LOAN TERMS WILL BE OFFERED.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY TEXAS AND APPLICABLE LAW, IN NO EVENT WILL COMPANY OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR AGGREGATE LIABILITY FOR CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100), EXCEPT WHERE PROHIBITED BY LAW.

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.

11. Indemnity

You will defend, indemnify, and hold harmless Company and its affiliates from claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your violation of these Terms or misuse of the Services, except to the extent caused by our gross negligence or willful misconduct.

12. Changes

We may modify these Terms by posting an updated version. Material changes may require additional notice or consent where required by law. Continued use after the effective date may constitute acceptance. When we update a version used for portal consent, you may be asked to re-agree before continuing.

13. Contact and complaints

For questions about these Terms, contact Texas Star Title & Loans using the contact information on our website or in your loan documents. This business is licensed and examined by the Texas Office of Consumer Credit Commissioner (OCCC). If a complaint or question cannot be resolved by contacting us, you may contact the OCCC: 2601 N. Lamar Blvd., Austin, Texas 78705; phone (800) 538-1579; website occc.texas.gov; email consumer.complaints@occc.texas.gov.