Website Terms of Use
Acceptance of Agreement
Welcome to 1stcapitaltitleloans.com. 1st Capital Finance of South Carolina, Inc. (collectively referred to as "1st Capital," the "Company," "we," "us," or "our") operates this website (the "Site") to provide information about and deliver our products and lending services. By accessing or using this Site, you agree to abide by the terms and conditions outlined in this Agreement and our Privacy Policy. If you do not agree to these terms, you should immediately discontinue use of this Site.
We reserve the right to modify these Terms of Use at any time without prior notice. Your continued use of the Site following any changes constitutes your acceptance of the revised Agreement.
We reserve the right to modify these Terms of Use at any time without prior notice. Your continued use of the Site following any changes constitutes your acceptance of the revised Agreement.
Eligibility and Site Access
You represent that you are at least 18 years of age. This Site is not intended for children, and we do not knowingly collect personal information from individuals under the age of 18. We are not responsible or liable for any technical failures, telephone network defects, or equipment malfunctions that prevent or hinder your ability to access the Site.
Privacy and Information Collection
When you voluntarily submit inquiries or applications through our Site, we collect and store information such as your name, email address, phone number, and vehicle details in accordance with our Privacy Policy and South Carolina law.
We also collect non-personally identifiable, aggregate information through cookies and web analytics (such as browser type, time spent on pages, and referring domains) to monitor website performance and improve user experience. You may disable cookies in your web browser, though doing so may affect certain site functionalities.
We also collect non-personally identifiable, aggregate information through cookies and web analytics (such as browser type, time spent on pages, and referring domains) to monitor website performance and improve user experience. You may disable cookies in your web browser, though doing so may affect certain site functionalities.
Inquiry and Application Processing
By submitting an inquiry or application for credit through this Site, you authorize 1st Capital to evaluate your vehicle collateral, verify vehicle title records with state departments of motor vehicles, and confirm your submitted income, identity, and employment status with appropriate third parties for legitimate underwriting and loan processing purposes.
Electronic Communications and Text Messaging
By submitting your contact information on this Site, you affirm your consent to be contacted by a member of our lending staff via phone call, email, or text message regarding your inquiry.
• Text Message Opt-Out: We only send text messages to individuals who have opted into our messaging communications. You can opt out at any time by replying "STOP" to any text message you receive, by calling our customer service line at 1-800-497-6147, or by emailing our team directly.
• Third-Party Privacy: Text messaging originator opt-in data and consent will not be sold, rented, or shared with third parties for marketing purposes.
• Text Message Opt-Out: We only send text messages to individuals who have opted into our messaging communications. You can opt out at any time by replying "STOP" to any text message you receive, by calling our customer service line at 1-800-497-6147, or by emailing our team directly.
• Third-Party Privacy: Text messaging originator opt-in data and consent will not be sold, rented, or shared with third parties for marketing purposes.
Intellectual Property and Trademarks
All content on this Site, including text, graphics, logos, images, icons, and software code, is the property of 1st Capital Finance of South Carolina, Inc. or its content suppliers and is protected by United States and international copyright laws. You are granted a limited license to access and make personal use of the Site. You may not reproduce, duplicate, copy, sell, or exploit any portion of this Site without express written permission from the Company.
Service Availability and Disclaimers
Products and services described on this Site are subject to South Carolina state laws and regulations. Title lending transactions are strictly governed by the South Carolina Consumer Protection Code. Title loan transactions are prohibited within the state of North Carolina.
The information on this Site does not constitute a binding legal loan offer. Loan approval, terms, and credit availability are subject to physical vehicle inspection, title verification, and individual underwriting criteria at our local branch offices.
The information on this Site does not constitute a binding legal loan offer. Loan approval, terms, and credit availability are subject to physical vehicle inspection, title verification, and individual underwriting criteria at our local branch offices.
Limitation of Liability
This Site and all information provided herein are made available on an "as is" and "as available" basis without warranties of any kind, whether express or implied. To the maximum extent permitted by applicable law, 1st Capital disclaims all warranties, including implied warranties of merchantability and fitness for a particular purpose. 1st Capital shall not be liable for any damages arising from your use of or inability to use this Site.
Governing Law and Dispute Resolution
This Site is controlled by 1st Capital Finance of South Carolina, Inc. The laws of the State of South Carolina govern these Terms of Use and any disputes arising from website use, without regard to conflict of law principles. Any legal action or dispute arising under this Agreement shall be resolved in the appropriate state or federal court located in York County, South Carolina.
Before initiating litigation, both parties agree to send written notice proposing a reasonable opportunity to cure or settle the matter within 30 days.
Before initiating litigation, both parties agree to send written notice proposing a reasonable opportunity to cure or settle the matter within 30 days.
Contact Information
For legal notices, questions about these Terms of Use, or requests regarding your account, please contact:
1st Capital Finance of South Carolina, Inc.
Customer Service: 1-800-497-6147
Branches: Loris, Fort Mill, Clover, Anderson, SC
1st Capital Finance of South Carolina, Inc.
Customer Service: 1-800-497-6147
Branches: Loris, Fort Mill, Clover, Anderson, SC