Effective Date:  January 8, 2005

Thank you for visiting Make Your Rent Count a website hosted and served by Viboch Financial Corp (“VFC”).  VFC respects the privacy of our visitors’ personally identifiable information.  To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way we use the information practices and the choices you can make about the way we use the information collected online at this site.

Information Collection and Use

To the extent that your credit card-specific information is collected VFC, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without your prior informed consent.  Notwithstanding

The foregoing, VFC reserves the right to share with third parties the fact that we have credit card information of file for specific customers but will not share their credit card information with third parties without your prior informed consent

Minors

We do not knowingly collect information from minors under the age of 18.  No information should be submitted to, or posted at, this website by visitors under 18 years of age.  We encourage and monitor the interactive activities of their children.

Security

We have appropriate security measures in place to prevent against unauthorized access to information that we collect online.

Contact Us

If you have any questions regarding this statement, or would like more information on our privacy practices, please contact us at cs@MakeYourRentCount.com.

This membership agreement is between me (each person who applies for the Membership or who signs this agreement or uses the Membership) and THE ADMINISTRATOR (Viboch Financial).  I understand and agree that, although THE ADMINISTRATOR may have offices in other territories, this membership is offered only through the assigned ADMINSTRATOR for each contract, under the laws of the assigned Administrator’s state that is the office I have solicited.

All applicants agree to and “accept” the terms and conditions “Before” the application and payment will even be accepted by our company.

1. I agree to pay and establish a Rent Reporting Agreement with Viboch Financial.
2. This Agreement describes the terms and conditions under which my company credit account is issued.  I certify that I am at least 18 years of age, and the information I provide to Make Your Rent Count in order to obtain this membership is true and accurate.  I understand that my use of the account constitutes my acceptance of this account in accordance with the terms and conditions of this agreement.  I understand that my account is being issued with a credit check or an investigation.  I also understand that Viboch Financial administrates all records on my behalf for the term of my contract, and I will be liable for the total amount of these administration payments, NSF charges, and any late fees accrued with my account unless my contract is cancelled in compliance with terms and conditions of this agreement.
3. CREDIT BUREAU REPROTING:  I understand that THE ADMINSTRATORS are subscribers of major credit bureaus;  after my initial verification payment has been collected on time and my application has been completed my account will be reported to one or more credit reporting agencies.  The company reserves the right to not report my account to any credit bureau due to fraudulent information of non-payments, late rental payments, and outstanding balances owed to the landlord to the credit bureaus.
4. CREDIT BUREAU ACCESS:  THE ADMINISTRATOR VIBOCH FINANCIAL is allowed access to my personal credit report as part of the activation process in establishing initial membership account and has the right to monitor my credit files for informational purposes of the company.
5. INITIAL SET UP FEE:  The initial set up is $199.95, the cost to set up the account.  This includes verification, administration of the account and six months of reporting.
6. CONTINUED MEMBERSHIP AND BILLING:  If you wish to contiue enrollment in MakeYourRentCount after your first six months, you may continue in the program for only $19.95 every six months.
7. PROMISE TO PAY:  I agree to pay the initial processing fee to establish my renters account and my monthly administration payments associated with the servicing of my account.  All payments must be received on or before the due date each month upon your application or a late fee may be assessed in the amount of $4.95 will be added for that month.
8. RETURNED AND NSF ACH PAYMENTS:  In the event that my processing fee is returned due to insufficient funds, The Company may immediately attempt to collect the full amount by presenting my ACH authorization a second time to my original banking institution.  Any subsequent withdrawal attempts by The Company will not exceed the original processing fee or the monthly administration fee.  Furthermore, I agree and understand that if The Company is unable to successfully process my electronic payment, the full amount of my obligation is not to exceed the total amount of the processing fees plus any late fees and NSF charges will be due and the membership will be closed and satisfied.  Along with any late fees,  THE ADMINISTRATOR’S payment agent will charge a fee of $15 for every NSF processed.
9. CANCELLATION PROCESS:  Cancellation procedures are available in your account log-in page electronically.  If you have any problems please contact Cancel@MakeYourRentCount.com.
10. REFUNDS:  Refunds must be made within 72 hours after applying for this membership.  Any cancellations made during the first 72 hours will be refunded 10 business days from receiving notice.  Any cancellations made within 5 to 7 days from application date after the 72 hour period will receive a refund minus a cancellation fee of $29.95.  All cancellations made after 7 days are considered accepted and must complete full cancellation policies.
11. AUTHORIZATION TO OBTAIN & DISCLOSE INFORMATION:  By becoming a customer of Viboch Financial and obtaining credit from YOU LANDLORD, I authorize The Companies to exchange information concerning.
12. I promise to pay this membership in monthly US dollar payments.  The initial payment shall be due upon applying for the membership.  Minimum payments are set forth in the schedule herein.  I may prepay my membership at any time without the ADMINISTRATOR imposed penalty, except as set forth within this agreement.
13. An electronic transmission of this agreement and the signatures hereon shall be as valid as an original.  I warrant that I solicited THE ADMINISTRATOR for this membership without first receiving any form of solicitation from THE ADMINISTRATOR or any of its affiliates, including and bank(s) or other depository institution(s).
14. By applying for you  MEMBERSHIP application, I certify that I have read, understand, and agree to all the terms and conditions and disclosures written in this agreement.  I certify that all the information I provided to THE ADMINISTRATOR is accurate and verifiable.  The information about the costs of the account described into this application is accurate as of January 2005f.  This information may be changed after that date.  To find out what may have been changed, email us at customer service.  If the applicant does not agree with any changes in the terms and conditions of the membership account, the applicant may close their account without incurring any
15. Penalty with 72 hours of applying.  Please note that applicants will be responsible for paying all outstanding balances in the event they close their account after the 72 hour period.  Terms and conditions of this program may be modified, and services and benefits may be added or deleted at any time.
16. SHARING INFRMATION WITH THIRD PARTIES:  We may disclose any of the information that we collect to our affiliate companies.  We do not share information with any non-affiliated third party except in select circumstances when a business partner refers you to us, and you give us permission to share information with that business partner.  When identifying methods of improving our products and services, or if we think a product may be of interest to you, we may arrange to extend offers of goods or services to you either directly or through our affiliates.  In addition, we may disclose all of the information we collect, as described above, to companies that perform services on our behalf such as the credit reporting agencies from which we obtain your credit report(s), credit card processors, email communications management firms, or call center providers.  We may also disclose non-public personal information about you to non-affiliated third parties as permitted by law.

 

STATE NOTICES

NOTICE FOR CALIFORNIA RESIDENTS:  California law requires that we inform customers that, should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit reporting agency.  If not, you may apply for credit in your own name.

NOTICE FOR FLORIDA RESIDENTS:  You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal law.

NOTICE FOR MAINE RESIDENTS:  A consumer credit report may be requested in connection with your request for a credit line increase or to be considered for some other MakeYourRentCount.com membership account.  You may ask whether we obtain a consumer report, and we will tell you the name and address of the consumer-reporting agency if a report was obtained.

NOTICE FOR NEW YORK RESIDENTS:  A consumer credit report may be requested in connection with this application or in connection with updates, renewals, or extensions of any credit grated as a result of this application.  Upon you request, you will be informed whether or not such a report was requested an, if so, the name and address of the agency that furnished this report.  New York residents may contact the New York State Banking Department 1.800.518.8866 to obtain a comparative listing of credit card rates, fees, and grace periods.

NOTICE FOR OHIO RESIDENTS:  The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and credit reporting agencies maintain separate credit histories on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.

NOTICE FOR MARRIED WISCONSIN RESIDENTS:  No agreement, unilateral statement, or court decree relating to marital property adversely affects a creditor’s interest unless prior to the credit knowledge of the adverse position.

NOTICE FOR ILLINOIS RESIDENTS:  You may contact Illinois Commission of Bank and Trust Companies for comparative interest rates, charges, fees and grace periods at the following address:

State of Illinois – CIP
PO Box
Springfield, IL 62701
Phone (800) 634-5452.

VOID WHERE PROHIBITED If you have any questions check your states own lending practices.

BILLING RIGHTS:  This notice contains important information about your rights and our responsibilities under the fair Credit reporting Act.
Notify us in Case of Errors or Questions about your rights and our responsibilities under the fair Credit reporting Act.
Notify us in Case of Errors or Questions about Your Statement of Account.  If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill on which the error or problem appeared.  You may telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain if you can, why you believe there is an error.  If you need more information, describe the item you are not sure about.

Your Rights and our Responsibilities after we receive your Written Notice:

We must acknowledge your letter within 30 days unless we have corrected the error by then.  Within 90 days we must either correct the error or explain why we believe the unpaid bill was correct. After we receive your letter, we cannot attempt to collect any amount you questioned or report you as delinquent.  We can continue to bill you for the amount you questioned or report you as delinquent.  We can continue to bill you for the amount you questioned, and we can apply any amount you question against your membership account.  You do not have to pay any questioned amount while we are investigating but you are still obligated to pay any missed payments on questioned amount.  If we didn’t make a mistake, you will have to make any missed payments on the questioned amount. In either case, we will send out a statement of the amount you owe and the date that is due.  If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if our explanation does not satisfy you, and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill, and we must tell you the name of anyone we reported this information to.  We must tell anyone we’ve reported to on this matter in question when it is finally settled.  If we don’t follow these rules, we cannot collect the first $50.00 of the questioned amount, even if your bill was correct.