1. Acceptance of Terms

By accessing or using this consumer portal (the “Portal”), you agree to be bound by these Terms of Use (“Terms”), our Privacy Policy, and any additional terms and conditions referenced herein or available through the Portal. If you do not agree to these Terms, please do not use the Portal.

2. Portal Access and Eligibility

You may access this Portal only if you are the intended recipient of a communication from Western Mercantile Agency, Inc. (“WMA”) or an authorized user of a relevant account. Unauthorized access is strictly prohibited and may be subject to legal action.

3. User Responsibilities

You agree to:
- Use the Portal only for lawful purposes;
- Provide accurate and up-to-date information;
- Maintain the confidentiality of your login credentials;
- Notify Western Mercantile Agency, Inc. (WMA) immediately if you suspect unauthorized access to your account.

4. Communications and Consent

By using this Portal and providing your contact information, you consent to receive communications electronically, including via email, SMS, phone calls, or other methods, which may include automated or artificial voice systems, as described in our TCPA and E-SIGN disclosures.

5. AI and Automated Interactions

WMA and its portal may use chatbots, AI-generated messages, or other automated tools to facilitate communication. These systems may simulate human conversation, but are not live agents. You may request a transfer to a live agent at any time.

6. Intellectual Property

All content, trademarks, logos, and materials on the Portal are the property of WMA or its licensors. You may not reproduce, distribute, or modify any content without prior written consent.

7. Limitation of Liability

WMA is not liable for any indirect, incidental, or consequential damages resulting from your use of the Portal. The Portal is provided on an “as is” and “as available” basis, without warranties of any kind.

8. Third-Party Services

The Portal may include links or integrations with third-party service providers (e.g., payment processors, communication vendors). WMA is not responsible for the content or practices of such third parties.

9. Termination of Access

We may suspend or terminate your access to the Portal at our sole discretion, without notice, for conduct that we believe violates these Terms or applicable law.

10. Updates and Modifications

WMA reserves the right to update or modify these Terms at any time. Continued use of the Portal after such changes constitutes your acceptance of the new Terms.

11. Governing Law

These Terms are governed by the laws of the State of Oregon, without regard to its conflict of law principles. Any disputes arising out of or related to the Portal shall be resolved through arbitration or courts located in Oregon.

12. Payment Posting Policy

Payments are applied on a First-In, First-Out (FIFO) basis unless otherwise designated by you and confirmed with Western Mercantile Agency, Inc. via phone or email. If you wish to have a payment applied to a specific account or balance, please contact our office prior to or immediately after making your payment to ensure it is designated accordingly.

13. Contact Information

If you have questions about these Terms or need assistance, don't hesitate to get in touch with us at:

Western Mercantile Agency, Inc.
Phone: 1-800-526-3057
Email: contact@westernmerc.com
Address: 165 S 5th Street, Suite A, Coos Bay, OR 97420