TERMS OF USE

Last Updated – April 29, 2025

1. ACCEPTANCE OF TERMS

J.J. Marshall & Associates, Inc. (“J.J. Marshall,” “we,” “us,” or “our”) provides this website and website-related services (collectively, the “Site”) subject to your compliance with the terms and conditions outlined in this agreement (the “Agreement”). This Agreement governs the relationship between us and you, the Site visitor (“you,” “your,” or “users”), concerning your use of the Site. 

BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site. 

Your use of this Site is also subject to J.J. Marshall’s Privacy Policy, which is incorporated herein by reference. A current version of our Privacy Policy is available by selecting the “Privacy Policy” link on our website.

2. ELIGIBILITY AND SCOPE

This Site is operated by J.J. Marshall from its location in the United States. Although the Site may be accessible worldwide, J.J. Marshall provides debt collection services within the United States. This website is intended for individuals over the age of 18 years who are located in the United States. 

3. MODIFICATIONS TO THE AGREEMENT AND SITE

We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. 

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site. 

4. RULES OF CONDUCT

You agree to comply with all applicable laws, rules, and regulations in accessing and/or using the Site. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct:

You agree not to:

  • Use the Site for any fraudulent or unlawful purpose
  • Impersonate any person or entity, or falsely state or misrepresent your identity or affiliation
  • Interfere with or disrupt the operation of the Site
  • Transmit or make available any harmful code, virus, worm, or Trojan Horse
  • Restrict or inhibit any other person from using the Site
  • Violate any person’s privacy rights or harvest personally identifiable information without consent
  • Sell, resell, transfer, license, or exploit the Site for commercial purposes
  • Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Site
  • Frame or mirror any part of the Site without our prior written authorization 
  • Use any robot, spider, or automated device to access the Site 
  • Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site 

If J.J. Marshall, in its sole discretion, believes that you have engaged in any activities restricted by these Terms or by law, your use of the Site terminates automatically without notice to you. 

5. INTELLECTUAL PROPERTY RIGHTS

The Site and all content, materials, information, or services on the Site are the property of J.J. Marshall and/or its licensors and are protected by copyright, trademark, and other proprietary rights and laws. 

Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform, or create derivative works of the Site or any materials contained therein. We do grant you a limited, personal, revocable, non-transferable, and non-sublicensable license to access the Site via the Internet solely for purposes of viewing such materials and to print out pages of the Site for your personal, non-commercial use. 

All trade names, trademarks, and service marks on the Site that are not owned by us are the property of their respective owners. Nothing on the Site should be construed as granting any right or license to use any trade names, trademarks, or service marks without the prior express written permission of the owner. 

6. PRIVACY

Your use of this Site is subject to our Privacy Policy. By using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted. 

7. SECURITY AND ACCOUNT ACCESS

If you create an account or access password-protected areas of the Site, you are entirely responsible for maintaining the confidentiality of your account information, including any password, and for any activity that occurs under your account as a result of your failing to keep this information secure and confidential. 

You agree to notify J.J. Marshall immediately of any unauthorized use of your account or any other breach of security. You may be held liable for losses incurred by J.J. Marshall or any other user of the Site due to someone else using your account as a result of your failure to keep your account information secure and confidential. 

You may not use anyone else’s account at any time without the express permission and consent of the account holder. 

8. ELECTRONIC COMMUNICATIONS CONSENT

By accepting these Terms, you expressly consent to be contacted by J.J. Marshall for any purpose arising out of or relating to your access to or use of the Site, or regarding any debt collection matters, by text or SMS messages, calls, and voice messages delivered using automatic telephone dialing system or an automatic texting system. 

You also consent to receive emails, text, MMS, or SMS messages, calls, and voice messages from us at the specific number(s) or email address you have provided to us. You represent and warrant that the telephone number you have provided to us is your contact number and that you are permitted to receive calls and text messages at the telephone number you have provided to us. 

You agree to alert us promptly if your telephone number changes or is no longer in service. You acknowledge and agree standard message and data rates may apply to all text, MMS, and SMS messages. 

If at any time you wish to stop receiving communication from J.J. Marshall, you can contact us using the contact information contained in the “Contact Us” section of this website. 

9. LIMITATION OF LIABILITY

YOU AGREE THAT J.J. MARSHALL, AND ANY OF ITS RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE, EVEN IF J.J. MARSHALL IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. 

J.J. MARSHALL CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE SITE. 

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless J.J. Marshall and all of its successors, parents, subsidiaries, affiliates, officers, directors, stockholders, investors, employees, agents, representatives, and attorneys, and their respective heirs, successors, and assigns from and against any and all claims, liabilities, losses, damages, costs, and expenses (including, without limitation, reasonable attorneys’ fees) arising out of or relating to your access to, use of, or alleged use of the Site, your violation of these Terms, or your violation of any third party right. 

We reserve the right to assume the exclusive defense and control of any matter which is subject to indemnification under these Terms. In such case, you agree to cooperate with any reasonable requests assisting us in the defense of such matter. 

11. NO WARRANTIES

ALL CONTENT, MATERIALS, INFORMATION, OR SERVICES ON THE SITE ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. 

J.J. MARSHALL DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, SERVICE OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. 

J.J. MARSHALL DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN J.J. MARSHALL. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY CONTENT AVAILABLE THROUGH THE SITE. 

12. LINKS TO OTHER WEBSITES

Our Site may contain links to third-party websites. The inclusion of links within our Site does not constitute any endorsement, authorization, sponsorship, affiliation, guarantee, or warranty with respect to such linked site or its owners. 

J.J. Marshall has no control over the terms of use and privacy practices of third-party websites. You acknowledge and understand using or retrieving any information on a linked site is at your own risk. 

13. GOVERNING LAW AND DISPUTE RESOLUTION

Users of this Site agree to submit to the laws of the State of Michigan and applicable federal law without regard to conflicts of laws principles. 

Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. Claims made under separate terms and conditions or federal and state consumer financial protection laws are not subject to this limitation. 

In the event of any controversy or dispute between J.J. Marshall and you arising out of or in connection with your use of the Site, the parties shall attempt, promptly and in good faith, to resolve any such dispute. If we are unable to resolve any such dispute within a reasonable time (not to exceed thirty (30) days), then either party may submit such controversy or dispute to mediation. If the dispute cannot be resolved through mediation, then the parties shall be free to pursue any right or remedy available to them under applicable law. 

14. DEBT COLLECTION PRACTICES

J.J. Marshall is a debt collection agency and complies with all applicable federal and state laws and regulations governing debt collection practices, including but not limited to the Fair Debt Collection Practices Act (FDCPA) and applicable state debt collection laws.

Nothing in these Terms of Use is intended to alter or modify any rights or obligations under applicable debt collection laws and regulations.

15. TERMINATION

We reserve the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to limit or block access from a particular Internet address or user to the Site. 

You agree that J.J. Marshall may, in its sole discretion and without prior notice, terminate your access to the Site if we determine that you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of the Site. 

16. MISCELLANEOUS PROVISIONS

If any provision of these Terms is found to be invalid by any court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. 

Failure by J.J. Marshall to act on or enforce any provision of these Terms shall not be construed as a waiver of that provision or any other provision in these Terms.

The section headings in these Terms are for convenience only and do not have any impact on the interpretation of a particular section. 

Provisions of the Terms relating to limitation of liability, indemnification, venue, choice of law, and any other provisions that by their nature should survive, will survive the termination of these Terms. 

17. CONTACT INFORMATION

If you have any questions about these Terms of Use, you may contact us at:

J.J. Marshall & Associates, Inc.
28820 Mound Rd.
Warren, MI 48092
(586) 992-3200
[email protected]