Terms and Conditions

Effective Date: February 4, 2025

Welcome to McIntosh Finance. By accessing or using our website www.mcintoshfinance.com and our financial services, you agree to comply with the following Terms and Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. If you do not agree, you must discontinue use of our services immediately.

2. Eligibility

To apply for loans or use our services, you must:

• Be at least 18 years old.
• Provide accurate and complete information.
• Agree to a credit check and verification process.

3. Loan Services

• Loan approval is subject to our internal assessment, creditworthiness, and compliance with applicable regulations.
• Interest rates, repayment terms, and other loan details are provided upon approval and are subject to change based on regulatory requirements and company policies.
• Failure to make timely payments may result in additional fees, penalties, or legal action.

4. User Responsibilities

By using our website and services, you agree to:

• Provide truthful and up-to-date information in loan applications.
• Use our website and services for lawful purposes only.
• Do not engage in fraudulent, illegal, or unauthorized activities.

5. Privacy and Security

Your personal information is handled in accordance with our Privacy Policy. While we take security measures to protect your data, we cannot guarantee complete security over the internet.

6. Intellectual Property

All content, trademarks, logos, and materials on our website are the property of McIntosh Finance. You may not copy, modify, distribute, or use our intellectual property without prior written consent.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites.

8. Disclaimers and Limitation of Liability

• We do not guarantee that our website will always be available, error-free, or uninterrupted.
• McIntosh Finance is not liable for any direct, indirect, or consequential damages arising from the use of our website or services.
• Loan approvals, interest rates, and terms are subject to regulatory requirements and company policies.

9. Changes to Terms

We reserve the right to update these Terms and Conditions at any time. Changes will be posted on our website, and continued use of our services constitutes acceptance of the revised terms.

10. Governing Law

These Terms and Conditions are governed by the laws of the State of Georgia. Any disputes shall be resolved in the appropriate courts within Georgia.

11. Contact Information

For any questions or concerns, contact us at any of our locations:

McIntosh Finance – Atlanta Branch
57 Forsyth St NW Suite R5A, Atlanta, GA 30303
Phone: (404) 688-8721

McIntosh Finance – Senoia Branch
2 Broad Street, Senoia, GA 30276
Phone: (770) 599-0609

McIntosh Finance – Union City Branch
6740 Shannon Parkway Suite 1, Union City, GA 30291
Phone: (770) 969-9438

McIntosh Finance – Riverdale Branch
7590 Hwy 85, Riverdale, GA 30274
Phone: (770) 996-8119

Website: www.mcintoshfinance.com

Privacy Policy

Effective Date: [Insert Date]

McIntosh Finance (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.mcintoshfinance.com, or interact with our services at any of our locations.

1. Information We Collect

We may collect the following types of information when you interact with our website or visit our branches:

• Personal Information: Name, email address, phone number, mailing address, date of birth, Social Security Number (SSN), and financial details provided during loan applications.
• Non-Personal Information: Browser type, IP address, device information, and website usage statistics collected through cookies and similar technologies.

2. How We Use Your Information

We use your information to:

• Process loan applications and verify identity.
• Communicate with you regarding your loan status and account updates.
• Improve our website, customer service, and branch operations.
• Comply with legal and regulatory requirements.

3. How We Share Your Information

We do not sell your personal information. However, we may share it with:

• Service Providers: Third-party vendors who assist in processing loans, credit verification, and IT services.
• Legal Authorities: When required by law or in response to legal requests.
• Business Transfers: In the event of a merger, acquisition, or asset sale.

4. Data Security

We implement industry-standard security measures to protect your personal information. However, no online platform is completely secure, and we cannot guarantee absolute security.

5. Your Rights and Choices

You may:

• Request access to the personal information we hold about you.
• Update or correct your information.
• Opt out of marketing communications at any time.

6. Cookies and Tracking Technologies

We use cookies to enhance user experience and analyze website traffic. You can disable cookies through your browser settings.

7. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices.

8. Updates to This Policy

We may update this policy periodically. Any changes will be posted on this page with a revised effective date.

9. Contact Us

If you have any questions about this Privacy Policy, contact us at any of our locations:

McIntosh Finance – Atlanta Branch
57 Forsyth St NW Suite R5A, Atlanta, GA 30303
Phone: (404) 688-8721

McIntosh Finance – Senoia Branch
2 Broad Street, Senoia, GA 30276
Phone: (770) 599-0609

McIntosh Finance – Union City Branch
6740 Shannon Parkway Suite 1, Union City, GA 30291
Phone: (770) 969-9438

McIntosh Finance – Riverdale Branch
7590 Hwy 85, Riverdale, GA 30274
Phone: (770) 996-8119

Website: www.mcintoshfinance.com