Call Us Now
(419) 841-1222
When making your payments by phone you have two options to choose from.
You can use your Discover
Card, MasterCard, Visa Card or Debit Card, or Checking or Savings accounts to make your payment by phone
with one of our customer service representatives.
You will be charged a fee of $5.00 per transaction for their assistance when using this payment method.
Please make sure to have a copy of your check in front of you to assure that the correct bank account and routing numbers are given.
If you are using credit/debit card, please be sure to have the card available during the transaction to ensure that the proper numbers are given
You can mail your payment to Northcoast Financial using an expedited service at the mailing address given
below which is different from the regular mailing address.
Please allow enough time for us to receive
and post your payment.
Customer Service Phone Number: 419-841-1222
Federal Express
UPS
Make your Money Order payable to Northcoast Financial. Please write your name and address on the Money Order.
You can mail your payment to Northcoast Financial at the mailing address given below.
Make sure when you mail your payment that you allow enough time for us to receive and post your payment.
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Chaparral, Inc. Northcoast Financial Services chooses to share; and whether you can limit this sharing.
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes —
to offer our products and services to you
For joint marketing with other financial companies —
For our affiliates’ everyday business purposes —
information about your transactions and experiences
For our affiliates’ everyday business purposes —
information about your creditworthiness
For our affiliates to market to you —
For nonaffiliates to market to you —
Call (877) 466-6396 or go to www.northcfs.com
Who is providing this notice? Northcoast Financial Services
How does Northcoast Financial Services protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing.
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
**Please note phone numbers are not shared for the purpose of opt in.**
Last updated: December 31st 2024
Please read these terms and conditions carefully before using Our Service.
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following
conditions. The following definitions shall have the same meaning regardless of whether
they appear in singular or in plural.
Definitions
For the purposes of these Terms and Conditions:
Affiliate means an entity that controls, is controlled by or is under common control with a
party, where "control" means ownership of 50% or more of the share`s, equity interest or
other securities entitled to vote for election of directors or other managing authority.
Account means a unique account created for You to access our Service or parts of our
Service.
Country refers to: Ohio, United States
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement)
refers to Northcoast Financial Services, 5373 Monroe st Toledo Ohio 43623.
Device means any device that can access the Service such as a computer, a cellphone or a
digital tablet.
Goods refer to the items offered for sale on the Service.
Orders mean a request by You to purchase Goods from Us.
Service refers to the Website.
Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that
form the entire agreement between You and the Company regarding the use of the Service.
Third-party Social Media Service means any services or content (including data, information,
products or services) provided by a third-party that may be displayed, included or made
available by the Service.
Website refers to Northcoast Financial Services, accessible from
https://www.northcfs.com You means the individual accessing or using the Service, or the
company, or other legal entity on behalf of which such individual is accessing or using the
Service, as applicable.
Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement
that operates between You and the Company. These Terms and Conditions set out the rights
and obligations of all users regarding the use of the Service.
Your access to and use of the Service is conditioned on Your acceptance of and compliance
with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and
others who access or use the Service.
By accessing or using the Service You agree to be bound by these Terms and Conditions. If
You disagree with any part of these Terms and Conditions then You may not access the
Service.
You represent that you are over the age of 18. The Company does not permit those under
18 to use the Service.
Your access to and use of the Service is also conditioned on Your acceptance of and
compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies
and procedures on the collection, use and disclosure of Your personal information when You
use the Application or the Website and tells You about Your privacy rights and how the law
protects You. Please read Our Privacy Policy carefully before using Our Service.
Placing Orders for Goods
By placing an Order for Goods through the Service, You warrant that You are legally capable
of entering into binding contracts.
Your Information
If You wish to place an Order for Goods available on the Service, You may be asked to
supply certain information relevant to Your Order including, without limitation, Your name,
Your email, Your phone number, Your credit card number, the expiration date of Your credit
card, Your billing address, and Your shipping information.
You represent and warrant that: (i) You have the legal right to use any credit or debit
card(s) or other payment method(s) in connection with any Order; and that (ii) the
information You supply to us is true, correct and complete.
By submitting such information, You grant us the right to provide the information to
payment processing third parties for purposes of facilitating the completion of Your Order.
Order Cancellation
We reserve the right to refuse or cancel Your Order at any time for certain reasons including
but not limited to:
We reserve the right to refuse or cancel Your Order if fraud or an unauthorized or illegal transaction is suspected.
Your Order Cancellation Rights
Any Goods you purchase can only be returned in accordance with these Terms and
Conditions and Our Returns Policy.
Our Returns Policy forms a part of these Terms and Conditions. Please read our Returns
Policy to learn more about your right to cancel Your Order.
Your right to cancel an Order only applies to Goods that are returned in the same condition
as You received them. You should also include all of the product's instructions, documents
and wrappings. Goods that are damaged or not in the same condition as You received them
or which are worn simply beyond opening the original packaging will not be refunded. You
should therefore take reasonable care of the purchased Goods while they are in Your
possession.
We will reimburse You no later than 14 days from the day on which We receive the returned
Goods. We will use the same means of payment as You used for the Order, and You will not
incur any fees for such reimbursement.
You will not have any right to cancel an Order for the supply of any of the following Goods:
The supply of Goods made to Your specifications or clearly personalized.
The supply of Goods which according to their nature are not suitable to be returned,
deteriorate rapidly or where the date of expiry is over.
The supply of Goods which are not suitable for return due to health protection or hygiene
reasons and were unsealed after delivery.
The supply of Goods which are, after delivery, according to their nature, inseparably mixed
with other items.
The supply of digital content which is not supplied on a tangible medium if the performance
has begun with Your prior express consent and You have acknowledged Your loss of
cancellation right.
Availability, Errors and Inaccuracies
We are constantly updating Our offerings of Goods on the Service. The Goods available on
Our Service may be mispriced, described inaccurately, or unavailable, and We may
experience delays in updating information regarding our Goods on the Service and in Our
advertising on other websites.
We cannot and do not guarantee the accuracy or completeness of any information, including
prices, product images, specifications, availability, and services. We reserve the right to
change or update information and to correct errors, inaccuracies, or omissions at any time
without prior notice.
Prices Policy
The Company reserves the right to revise its prices at any time prior to accepting an Order.
The prices quoted may be revised by the Company subsequent to accepting an Order in the
event of any occurrence affecting delivery caused by government action, variation in
customs duties, increased shipping charges, higher foreign exchange costs and any other
matter beyond the control of the Company. In that event, You will have the right to cancel
Your Order.
Payments
All Goods purchased are subject to a one-time payment. Payment can be made through
various payment methods we have available, such as Visa, MasterCard, Affinity Card,
American Express cards or online payment methods (PayPal, for example).
Payment cards (credit cards or debit cards) are subject to validation checks and
authorization by Your card issuer. If we do not receive the required authorization, We will
not be liable for any delay or non-delivery of Your Order.
User Accounts
When You create an account with Us, You must provide Us information that is accurate,
complete, and current at all times. Failure to do so constitutes a breach of the Terms, which
may result in immediate termination of Your account on Our Service.
You are responsible for safeguarding the password that You use to access the Service and
for any activities or actions under Your password, whether Your password is with Our
Service or a Third-Party Social Media Service.
You agree not to disclose Your password to any third party. You must notify Us immediately
upon becoming aware of any breach of security or unauthorized use of Your account.
You may not use as a username the name of another person or entity or that is not lawfully
available for use, a name or trademark that is subject to any rights of another person or
entity other than You without appropriate authorization, or a name that is otherwise
offensive, vulgar or obscene.
Privacy Policy
Before you continue using our website, we advise you to read our privacy policy
[www.northcfs.com/customer.html]
SMS Disclosure
Please note that, subject to end-user opt-in. Northcoast Financial Services will periodically
send SMS notifications regarding payment reminder, general office changes etc. Msg
volume may vary. Reply HELP for help. Reply STOP to unsubscribe. Msg&Data Rate May
Apply
Links to Other Websites
Our Service may contain links to third-party web sites or services that are not owned or
controlled by the Company.
The Company has no control over, and assumes no responsibility for, the content, privacy
policies, or practices of any third party web sites or services. You further acknowledge and
agree that the Company shall not be responsible or liable, directly or indirectly, for any
damage or loss caused or alleged to be caused by or in connection with the use of or
reliance on any such content, goods or services available on or through any such web sites
or services.
We strongly advise You to read the terms and conditions and privacy policies of any third-
party web sites or services that You visit.
Termination
We may terminate or suspend Your Account immediately, without prior notice or liability, for
any reason whatsoever, including without limitation if You breach these Terms and
Conditions.
Upon termination, Your right to use the Service will cease immediately. If You wish to
terminate Your Account, You may simply discontinue using the Service.
Limitation of Liability
Notwithstanding any damages that You might incur, the entire liability of the Company and
any of its suppliers under any provision of this Terms and Your exclusive remedy for all of
the foregoing shall be limited to the amount actually paid by You through the Service or 100
USD if You haven't purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its
suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever
(including, but not limited to, damages for loss of profits, loss of data or other information,
for business interruption, for personal injury, loss of privacy arising out of or in any way
related to the use of or inability to use the Service, third-party software and/or third-party
hardware used with the Service, or otherwise in connection with any provision of this
Terms), even if the Company or any supplier has been advised of the possibility of such
damages and even if the remedy fails of its essential purpose.
Some states do not allow the exclusion of implied warranties or limitation of liability for
incidental or consequential damages, which means that some of the above limitations may
not apply. In these states, each party's liability will be limited to the greatest extent
permitted by law.
"AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects
without warranty of any kind. To the maximum extent permitted under applicable law, the
Company, on its own behalf and on behalf of its Affiliates and its and their respective
licensors and service providers, expressly disclaims all warranties, whether express, implied,
statutory or otherwise, with respect to the Service, including all implied warranties of
merchantability, fitness for a particular purpose, title and non-infringement, and warranties
that may arise out of course of dealing, course of performance, usage or trade practice.
Without limitation to the foregoing, the Company provides no warranty or undertaking, and
makes no representation of any kind that the Service will meet Your requirements, achieve
any intended results, be compatible or work with any other software, applications, systems
or services, operate without interruption, meet any performance or reliability standards or
be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the company's provider
makes any representation or warranty of any kind, express or implied: (i) as to the
operation or availability of the Service, or the information, content, and materials or
products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to
the accuracy, reliability, or currency of any information or content provided through the
Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf
of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or
other harmful components.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on
applicable statutory rights of a consumer, so some or all of the above exclusions and
limitations may not apply to You. But in such a case the exclusions and limitations set forth
in this section shall be applied to the greatest extent enforceable under applicable law.
Governing Law
The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your
use of the Service. Your use of the Application may also be subject to other local, state,
national, or international laws.
Disputes Resolution
If You have any concern or dispute about the Service, You agree to first try to resolve the
dispute informally by contacting the Company.
For European Union (EU) Users
If You are a European Union consumer, you will benefit from any mandatory provisions of
the law of the country in which you are resident in.
United States Legal Compliance
You represent and warrant that (i) You are not located in a country that is subject to the
United States government embargo, or that has been designated by the United States
government as a "terrorist supporting" country, and (ii) You are not listed on any United
States government list of prohibited or restricted parties.
Severability and Waiver
Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be
changed and interpreted to accomplish the objectives of such provision to the greatest
extent possible under applicable law and the remaining provisions will continue in full force
and effect.
Waiver
Except as provided herein, the failure to exercise a right or to require performance of an
obligation under these Terms shall not effect a party's ability to exercise such right or
require such performance at any time thereafter nor shall the waiver of a breach constitute
a waiver of any subsequent breach.
Translation Interpretation
These Terms and Conditions may have been translated if We have made them available to
You on our Service. You agree that the original English text shall prevail in the case of a
dispute.
Changes to These Terms and Conditions
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If
a revision is material We will make reasonable efforts to provide at least 30 days' notice
prior to any new terms taking effect. What constitutes a material change will be determined
at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective, You agree
to be bound by the revised terms. If You do not agree to the new terms, in whole or in part,
please stop using the website and the Service.
Contact Us
If you have any questions about these Terms and Conditions, You can contact us:
By phone number: 419-841-1222
