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Last Updated: February 20th 2025
IMPORTANT NOTICE TO CONSUMER USERS: These Consumer Terms of Use govern access to and use of the Site and Services (as defined below) by persons acting in an individual or household context.
These Consumer Terms and Conditions of Use (the "Terms") are a legal agreement between you ("you" or "your") and TFLI US INC trading as WiseOldJoe.com ("we," "us," "our", or "WiseOldJoe.com"), the owner and developer of the WiseOldJoe.com family of websites (to the extent such websites link to these Terms, they are collectively referred to herein as the "Site"). By accessing, using, registering, or otherwise interacting with the Site or the Services (as defined below), you agree to be bound by all of the terms and conditions set forth in these Terms. You understand that you are not able to modify these Terms and that you must accept all Terms "AS-IS." Should you choose not to accept these Terms, you are not permitted to access, use, register, or otherwise interact with the Site or Services.
BY ACCESSING OR USING THE SITE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY ALL TERMS, CONDITIONS, AND RULES STATED IN THESE TERMS. YOU ARE NOT PERMITTED TO USE THE SITE IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY THESE TERMS.
PLEASE READ: THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT, WHICH PROVIDES THAT, EXCEPT WITH RESPECT TO CERTAIN TYPES OF DISPUTES, YOU AND WE AGREE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION, AND YOU AND WE GIVE UP ANY RIGHT TO HAVE THOSE DISPUTES DECIDED BY A JUDGE OR A JURY, AND IN ALL CASES YOU AND WE HEREBY WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. PLEASE READ SECTION 17 (LEGAL DISPUTES) BELOW FOR MORE INFORMATION, INCLUDING INFORMATION ABOUT YOUR RIGHT, IF APPLICABLE, TO OPT OUT OF ARBITRATION.
WiseOldJoe.com provides the Site as a debt solution assistance website and acts as a referral agency to connect our consumer clients with Debt Solution Providers (as defined in Section 5 below) offering services such as debt solution services. The referral services (including all ancillary services) provided by WiseOldJoe.com are referred to herein as the "Services". Our Services may not be available in all states so please check the Site for details. Service Providers may charge fees for their services and their services may be subject to the Service Providers' own terms of service. WiseOldJoe.com is not responsible for, and does not guarantee any outcomes from, these Service Providers.
WISEOLDJOE.COM RESERVES THE RIGHT, WITH OR WITHOUT NOTICE, TO AMEND OR MAKE CHANGES TO THESE TERMS AT OUR SOLE DISCRETION. YOUR CONTINUED USE OF ANY PART OF THE SITE OR ANY WISEOLDJOE.COM SERVICES CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES TO THE TERMS. ANY MODIFICATION OR UPDATE WILL BE EFFECTIVE UPON POSTING UNLESS STATED OTHERWISE. YOU ARE ENCOURAGED TO REVIEW THESE TERMS FROM TIME TO TIME TO DETERMINE IF ANY CHANGES HAVE BEEN MADE. THE MOST CURRENT VERSION OF THESE TERMS, WHICH WILL BE NOTED BY THE “LAST UPDATED” DATE HEREIN, SUPERSEDES ALL PREVIOUS VERSIONS.
The Site may contain links to websites and resources operated by third parties ("Linked Sites"). The Linked Sites are not under the control, ownership, or management of WiseOldJoe.com accepts no responsibility or liability for such Linked Sites or for any loss or damage, including but limited to actual, punitive, economic, or hypothetical losses or damages, that may arise from your use of any Linked Site. WiseOldJoe.com is not responsible for the contents of any Linked Site, including without limitation any materials contained in a Linked Site, any links contained in a Linked Site, or any changes or updates to a Linked Site. WiseOldJoe.com is not responsible for webcasting or any other form of transmission whether via audio or video received from any Linked Site. WiseOldJoe.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement or ownership by WiseOldJoe.com of the Linked Site or any association with its operators. If you decide to access a Linked Site, you do so entirely at your own risk and subject to the applicable terms and conditions of use for such Linked Site.
As a condition of your use of the Site and Services, you agree and warrant to WiseOldJoe.com that you will not use the Site or the Services (including any information, graphics, opinions, advice, comments or other materials provided on the Site or otherwise in connection with the Services (collectively, "Content")), to: (i) defraud, harm, or impersonate another person; (ii) transmit communications that defame, abuse, harass, stalk, threaten, or otherwise violate the rights of any other person; (iii) transmit material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, pornographic, or discriminatory; (iv) commit fraud, engage in criminal activity, or interfere with the use or enjoyment of the Sites by others; (v) transmit any information that infringes the copyrights, trademarks, trade secrets, or other proprietary rights of any third party; (vi) engage in any action that is prohibited by these Terms; or to (vi) reproduce, decompile, reverse engineer, or otherwise engage in any activity with the intent or effect of recreating or transferring to yourself or any third-party all or a portion of the Sites. We reserve the right, but are under no obligation, to review your use of the Sites for compliance with these Terms. You may not obtain or attempt to obtain or use any Content or the Sites through any means not intentionally made available or provided for by WiseOldJoe.com on the Site or as part of the Services.
As part of the Services, WiseOldJoe.com may provide you with the opportunity to connect to third-party service providers ("Service Providers"). You understand and acknowledge that WiseOldJoe.com may be compensated by Service Providers for referrals made through this Site, and that the amount of compensation may impact the Services including but not limited to whether you are matched to a particular Service Provider and the order in which they are listed. If you click a links on the Site or sign up to receive a quote from a Service Provider, WiseOldJoe.com may receive a small fee from the Service Provider for the introduction, at no additional cost to you. WiseOldJoe.com is not affiliated with any of the Service Providers, and their pricing may change at any time.
WiseOldJoe.com does not guarantee the accuracy, truthfulness, or completeness of any of the information provided on the Site or with regard to the Service Providers, and is not responsible for any loss resulting from your reliance on such information. You understand and agree that you are responsible for examining the information provided and conducting your own research as to whether each Service Provider's services that are marketed on the Site meet your needs. We do not endorse or recommend the products or services of any Service Provider, and we are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you. WISEOLDJOE.COM IS NOT LIABLE FOR ANY LOSSES, COSTS, OR DAMAGES, INCLUDING BUT LIMITED TO ACTUAL, PUNITIVE, ECONOMIC, OR HYPOTHETICAL LOSSES OR DAMAGES, OR CLAIMS, WHETHER ACTUAL, ANTICIPATED, OR CONTEMPLATED, IN CONNECTION WITH, ARISING FROM, OR RELATED TO, YOUR INTERACTIONS WITH ANY SERVICE PROVIDER OR YOUR USE OF ANY SERVICE PROVIDER'S PRODUCTS OR SERVICES.
We do not make, without limitation or exclusion, any warranties, covenants, or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers through our Site or our Services. We do not in any manner guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available in the marketplace. You may be able to find better offers elsewhere.
WiseOldJoe.com does not claim ownership of the information or materials you provide to WiseOldJoe.com (including feedback and suggestions) or upload, input or submit to the Site or the Services (collectively "Submissions"). However, by providing, uploading, inputting, or submitting your Submission you are granting WiseOldJoe.com and its affiliated companies a perpetual, irrevocable, fully transferrable and sublicenseable, worldwide right and license to use your Submission in any way and for any purpose in connection with the operation of our and their businesses including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission, including for profit, without any further notice or compensation to you of any kind in part or in whole for the entire duration of protection granted to intellectual property rights by applicable laws and international conventions. You hereby waive, without limitation, any moral rights of paternity, publications, reputation, goodwill, or attribution with respect to our use and enjoyment of such assets under applicable law. The foregoing license grant to WiseOldJoe.com and its affiliated companies, and the above waiver of any applicable moral rights, survives termination of these Terms.
WiseOldJoe.com is under no obligation to post or use any Submission you may provide and may use, post, or remove any Submission at any time in our sole discretion.
By providing, uploading, inputting, or submitting your Submission you unconditionally warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, upload, input or submit the Submissions, and that you possess all requisite authority to grant WiseOldJoe.com the right to use such Submission for purposes of these Terms.
You acknowledge and agree that WiseOldJoe.com may monitor and record website interactions and phone calls for purposes including but not limited to marketing, compliance, and quality assurance purposes. These recordings may be made or accessed by, or shared with, our Service Providers that provide or assist with the recording process, and may be otherwise used and shared in accordance with our Privacy Policy.
We may request your consent so that we, specified Service Providers, and our and their agents and service providers, may contact you (including using an automatic telephone dialing system, automated system, or an artificial or pre-recorded voice) at the phone number you provide to us, via phone call or text message (including via SMS), regarding our Services and the Service Providers' services (as applicable) and for marketing or advertising purposes, even if my number is listed on the Federal or any state Do-Not-Call List or Registry. You understand that you are not required to agree to receive phone calls or text messages as a condition of purchasing any property, goods, or services. To the extent that you provide your consent for such communications, you represent that you are the sole owner of the phone number you provide to us, and you are at least 18 years old. Furthermore, you understand and agree that (i) communications from WiseOldJoe.com are governed by these Terms and the WiseOldJoe.com Privacy Policy; (ii) communications from each Service Provider are governed by the respective Service Provider's privacy policy and terms and conditions; and (iii) all text message communications are governed by any terms and conditions of your mobile carrier, that message and data rates may apply, and that message frequency varies. If your contact information changes, you will promptly inform WiseOldJoe.com by email at compliance@tfli.us.
You may withdraw your consent to receive text messages at any time by replying "STOP" to any such text message. After you send "STOP," we may send you an additional text message to confirm that you have been unsubscribed. You will no longer receive text messages from that short code or number, as applicable, but you may receive text messages if you are subscribed to other text lists.
You may also withdraw your consent to receive phone calls and text messages by notifying us by email at compliance@tfli.us.
You may opt out of receiving our marketing emails by clicking the "Opt-out" or "Unsubscribe" link at the bottom of the email.
YOU ACKNOWLEDGE AND UNDERSTAND THAT WISEOLDJOE.COM CANNOT AND DOES NOT GUARANTEE, COVENANT, OR WARRANT THAT FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET OR FROM THE SITE, OR THROUGH COMMUNICATIONS VIA SMS, WILL BE FREE OF VIRUSES OR OTHER DESTRUCTIVE OR HARMFUL CODE. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR ANTI-VIRUS PROTECTION AND ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO OUR SITE FOR ANY RECONSTRUCTION OF ANY LOST DATA. WISEOLDJOE.COM WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE, INCLUDING BUT NOT LIMITED TO ACTUAL, PUNITIVE, ECONOMIC, OR HYPOTHETICAL LOSSES OR DAMAGES, CAUSED BY DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR MOBILE DEVICE, COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT OR PROVIDED VIA SMS OR ON ANY LINKED SITE.
THE CONTENT AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES, OUTDATED INFORMATION, OR TYPOGRAPHICAL ERRORS. WISEOLDJOE.COM MAY, BUT IS NOT REQUIRED TO, MAKE IMPROVEMENTS AND CHANGES TO THE SITE, SERVICES, AND CONTENT FROM TIME TO TIME. THE CONTENT AND SERVICES AVAILABLE ON OR THROUGH THE SITE ARE BEING PROVIDED AS IS AND SHOULD NOT BE RELIED UPON FOR ANY PURPOSE, INCLUDING TO MAKE PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS, AND IS NOT TO BE CONSTRUED AS PROFESSIONAL ADVICE FROM WISEOLDJOE.COM. YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: (A) WISEOLDJOE.COM MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, FITNESS, TIMELINESS, AND ACCURACY OF THE SITE OR THE SERVICES, OR THE CONTENT INCLUDED IN OR AVAILABLE THROUGH THE SITE OR SERVICES, FOR ANY PURPOSE; (B) THE SITE AND ALL SERVICES AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY REPRESENTATIONS, COVENANTS, OR WARRANTIES OF ANY KIND; AND (C) WISEOLDJOE.COM HEREBY DISCLAIMS ALL WARRANTIES AND COVENANTS WITH REGARD TO THE SITE, SERVICES, AND CONTENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, WHETHER EXPRESS, IMPLIED, OR STATUTORY, AND INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WISEOLDJOE.COM BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, WHETHER REAL, CONTEMPLATED, OR HYPOTHETICAL, OF ANY KIND INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OR MISUSE OF DATA, LOSS OF INTANGIBLES, LOSS OF SECURITY OF INFORMATION TRANSMITTED VIA THE SITE OR SMS (INCLUDING UNAUTHORIZED INTERCEPTION BY THIRD PARTIES OF SUCH INFORMATION), WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, EVEN IF WISEOLDJOE.COM OR ANY OF ITS SUPPLIERS OR SERVICE PROVIDERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. WITHOUT LIMITING THE FOREGOING, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WISEOLDJOE.COM WILL NOT BE LIABLE FOR DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH: (A) THE USE OR PERFORMANCE OF THE SITE OR SERVICES; (B) THE DELAY OR INABILITY TO USE THE SITE OR SERVICES; (C) FOR ANY CONTENT OR SERVICES AVAILABLE ON OR OBTAINED THROUGH THE SITE INCLUDING BUT NOT LIMITED TO ANY LINKS; OR (D) OTHERWISE ARISING OUT OF THE USE OF OR ACCESS TO THE SITE OR SERVICES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, SERVICES, OR CONTENT, OR WITH ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE, SERVICES, AND CONTENT.
BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF ANY WARRANTY OR THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE ABOVE DISCLAIMER OF WARRANTIES OR EXCLUSION OR LIMITATION OF LIABILITY MAY NOT APPLY TO YOU, IN WHICH CASE THE SCOPE OF SUCH WARRANTY AND THE EXTENT OF LIABILITY OF WISEOLDJOE.COM WILL BE THE MINIMUM PERMITTED UNDER APPLICABLE LAW.
ALL DISCLAIMERS AND EXCLUSIONS AND LIMITATIONS OF LIABILITY OF ANY KIND (INCLUDING IN THIS SECTION AND ELSEWHERE IN THESE TERMS) ARE MADE FOR THE BENEFIT OF WISEOLDJOE.COM AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS, AND THEIR RESPECTIVE SHAREHOLDERS, MEMBERS, PARTNERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND REPRESENTATIVES (COLLECTIVELY, THE “AFFILIATED ENTITIES”).
WiseOldJoe.com may establish areas on the Site which may require obtaining access credentials. You are strictly forbidden and prohibited from accessing these areas of the Site without authorization, or exceeding any such authorization to gain access to these areas of the Site. Should you obtain such access to restricted areas on the Site, WiseOldJoe.com reserves the right, in its sole discretion, to terminate your access to such restricted areas, and the related Services, or any portion thereof at any time, without notice.
The Site and Services, and all rights, title, and interest therein, are and shall remain the property of WiseOldJoe.com or its partners or licensors. This includes without limitation all Content and all software, text, displays, images, titles, dialogue, animations, art, concepts, content, audio sounds and effects, musical compositions, technical aspects, proprietary, trade secret, and confidential information, visual effects, methods of operation, documentation, and moral rights, as well as all names, representations and likenesses, trademarks, trade dress, logos and designs, or product and service marks of WiseOldJoe.com or its partners or licensors (collectively, "Protected Material"). Except for the limited license granted below, neither these Terms nor your use of the Site or Services convey or grant to you any rights in or related to the Site or Services, or any right to use or reference Protected Material. Protected Material displayed on the Site and in the Services is the property of WiseOldJoe.com or its partners or licensors. You may not remove, download, copy, or alter any Protected Material. Except as otherwise required by applicable law, any use, reproduction, distribution, modification, retransmission or publication of any Protected Material is strictly prohibited without the express written consent of the owner of the Protected Material. All rights not expressly granted herein are reserved by WiseOldJoe.com.
Subject to your agreement to these Terms and your continued compliance with these Terms, WiseOldJoe.com grants you a limited, non-transferable, non-exclusive license to access and use the Site and Services. You may not copy, display, seek to disable, distribute, perform, publish, modify, transfer, create works from, or use the Site, Services, or any component of them (including the Content), except as expressly authorized by us. You are responsible for making all arrangements necessary for you to have access to the Site and Services and ensuring that all persons who access the Site and Services through your internet connection are aware of these Terms and comply with them.
You agree to defend, indemnify and hold WiseOldJoe.com and our Affiliated Entities harmless from any and against all claims, liabilities, losses, damages, costs, and expenses, whether actual, contemplated, or alleged, including, but not limited to, legal fees, arising out of, or related to: (i) any actual or alleged breach or violation of these Terms by you; (ii) your failure to provide accurate, truthful, complete, or current information in response to any request form on our Site or as part of the Services; (iii) your access to or use of the Site, Services, or Content; (iv) any access to or use of our Site or Services under any password that may be issued to you; (iv) any access or use of a Linked Site; (vi) your Submissions; (vii) your relationship with any of the Service Providers to which you were referred by us, including any services you receive from, or interactions you have with, such Service Providers; and (vii) any personal injury or property damage caused by you.
You may not copy, display, download, seek to disable, distribute, perform, publish, modify, transfer, create works from, or use the Site, Services, or any component of them (including the Content), except as expressly authorized and agreed to by us. You are responsible for making all arrangements necessary for you to have access to the Site and Services and ensuring that all persons who access the Site and Services through your internet connection are aware of these Terms and comply with them.
Dispute Resolution by Final and Binding Arbitration & Class Action Waiver- IMPORTANT NOTICE WAIVING YOUR RIGHT TO BRING A CLAIM BEFORE A JUDGE OR JURY IN COURT OR PARTICIPATE IN A CLASS ACTION. The following paragraphs A through F shall be referred to herein as the "Arbitration Agreement."
A. Except as otherwise provided herein, any Dispute (as defined in Subsection B below) that arises shall be resolved by binding arbitration, as set forth in this Arbitration Agreement, in Broward County, Florida or at such other location upon which the parties may agree to in writing. You and WISEOLDJOE.COM empower the Arbitrator (as defined in (c)(2) below) with the exclusive authority to resolve any such Dispute. Except to the extent modified herein, any such arbitration shall be governed by the Federal Arbitration Act ("FAA"), 9 U.S.C. §1 et seq., which shall pre-empt all state laws to the fullest extent permitted by law. YOU AND WISEOLDJOE.COM EACH WAIVE THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS, MASS TORT, REPRESENTATIVE, OR CONSOLIDATED ACTION OR PROCEEDING.
Notwithstanding the foregoing, you and we agree that the following claims are not subject to arbitration: (i) claims that may be brought in an individual capacity in small claims court, and (ii) claims that relate to the ownership or enforcement of intellectual property rights. In addition, you and WiseOldJoe.com each retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents or other intellectual property rights. You may opt out of arbitration and litigate any Dispute individually if you provide us with a signed, written notice of your decision to do so pursuant to Subsection E below; provided, however, if you are opting out of the arbitration terms set out in an updated version of this Arbitration Agreement, you understand that you will remain subject to the prior version to which you had previously agreed. In any such case, your waiver of the right to a jury trial or participate in a class, mass tort, representative, or consolidated action or proceeding as set forth in this Arbitration Agreement shall continue to apply.
B. "Dispute" includes any dispute, action, or other controversy, whether actual or threatened, whether based on past, present, or future events, between you and WiseOldJoe.com concerning the Site, Services, Content including but not limited to the Linked Sites, or these Terms, whether in contract, tort, equity, warranty, statute, regulation, or any other legal or equitable basis, and including those relating to the interpretation, applicability, or enforceability of these Terms or the formation of this contract, including the arbitrability of any Dispute and any claim that all or any part of the Terms are void or voidable.
C. This Arbitration Agreement shall survive termination of these Terms. The parties agree to the following:
After receipt of a Notice, you and WiseOldJoe.com shall engage in a good-faith effort to resolve the Dispute for a period of sixty (60) days, which both sides may extend by written agreement signed by both sides (the "Informal Dispute Resolution Period"). During the Informal Dispute Resolution Period, neither you nor WiseOldJoe.com may initiate an arbitration or other legal proceeding.
D. Class Action Waiver. YOU AND WISEOLDJOE.COM AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, EACH OF US MAY BRING CLAIMS (WHETHER IN COURT OR IN ARBITRATION) AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY PURPORTED CLASS, MASS TORT, COLLECTIVE, CONSOLIDATED, COORDINATED, PRIVATE ATTORNEY GENERAL, REQUEST FOR PUBLIC INJUNCTIVE RELIEF, OR REPRESENTATIVE PROCEEDING. This also means that you and WiseOldJoe.com may not participate in any class, mass tort, collective, consolidated, coordinated, private attorney general, request for public injunctive relief, or representative proceeding brought by any third party. Notwithstanding this provision or any other language in these Terms, and without limitation or exclusion, you or WiseOldJoe may participate in a class-wide settlement. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND WISEOLDJOE.COM WAIVE ANY RIGHT TO A JURY TRIAL.
E. Arbitration Opt-Out. You can opt out of arbitration and it will not affect any other terms and conditions of these Terms or your relationship with us. To opt out, you must send WiseOldJoe.com written notice, personally signed by you, by certified mail to the attention of our Legal Department at the address set out in Section 18 below (the "Opt-Out Notice"). The Opt-Out Notice must include the following information: (1) your full name; (2) the URL of these Terms; (3) your mailing address and email address; (4) your phone number; (5) and a clear statement that you wish to opt out of arbitration. THE OPT-OUT NOTICE MUST BE RECEIVED BY WISEOLDJOE.COM NO LATER THAN THIRTY (30) DAYS AFTER THE LATER OF (i) THE DATE YOU FIRST ACCEPT THE TERMS AS SET FORTH IN SECTION 1 ABOVE; OR (ii) THE EFFECTIVE DATE OF THIS ARBITRATION AGREEMENT IF THE ARBITRATION AGREEMENT WAS ADDED TO THE TERMS OR CHANGED AFTER YOU FIRST ACCEPTED THE TERMS. Even if you reject a change to the terms of the arbitration as set forth in this Arbitration Agreement, you will remain subject to the last version of the Arbitration Agreement you had accepted. Your waiver of the right to a jury trial or participate in a class, representative, or consolidated action or proceeding as set forth in this Arbitration Agreement shall continue to apply despite opting out of arbitration. Failure to opt-out pursuant to this section or to abide by any of the opt-out requirements of this section constitutes your agreement and acquiesce to arbitrate any and all disputes, consistent with these Terms and this Arbitration Agreement.
F. The Arbitration Agreement is considered by the parties to be an integral and non-voidable requirement and part of these Terms, and the parties agree that prior to agreeing to these Terms, including agreeing to this Arbitration Agreement, they: (i) have had the opportunity to review such carefully, including with their own legal counsel if needed, (ii) understand the limitations on legal rights contained in this Arbitration Agreement including, but not limited to, the waiver of jury trial, the waiver of court proceeding, and (iii) consent and agree that this Arbitration Agreement is fair, reasonable, represents the intentions of each party at the time of entering into these Terms, and should not be set aside later for any reason by any court. This Arbitration Agreement shall survive termination of the Terms.
Postal Address: TFLI US, INC. trading as WiseOldJoe.com
1200 Brickell Avenue, Suite 1950#1016,
Miami, Florida 33131.
Email Address:compliance@tfli.us
LAST UPDATED: February 2025
TFLI US INC. ("we," "us," and "our") recognizes that your privacy is important. This Privacy Policy ("Privacy Policy") describes how we collect, use, and share your Personal Information (defined below), and the choices that are available to you with respect to your Personal Information. This Privacy Policy applies to the Personal Information we collect whenever you access or use one of our websites that link to this Privacy Policy (collectively, "Website") and any transactions, interactions, or other engagements you might have with us, such as when you communicate with us via email or on social media, or click on our digital advertisements (collectively, "Services").
We may collect information that personally identifies, relates to, describes, or is capable of being associated with you ("Personal Information"), including:
The Personal Information we collect about you depends on how you interact with us and our Website and Services.
We also collect information about businesses and their representatives that engage with us such as EIN, TIN, address, phone number, email address, and bank account information (collectively, "Business Information"). This information is generally not considered Personal Information because it relates to a business. If such Business Information relates to a business contact person, we will treat it as Personal Information.
We automatically collect information in connection with the actions you take on our Website ("Usage Data"). For example, each time you use our Website, we may automatically collect the type of web browser you use, the type of device you use, your device ID, your operating system and version, your IP address, your internet service provider, the pages you view, referring and exit pages, the date and time of your visit, and the number of clicks to, from, and within our Website, and the duration of your visits to our Website. If the data we automatically collect is capable of being associated with you, directly or indirectly, we treat it as Personal Information. If this information is not capable of being individually associated with you, we treat it as anonymous Usage Data.
We may record calls and retain the content of written and electronic communications between you and us. By communicating with us, you consent to our recording and retention of communications.
We may also de-identify or aggregate the above information, at which time it is no longer "Personal Information." We will not reidentify or attempt to reidentify such information.
We may collect the information described above from various sources, including directly from you, from third parties we partner with, and through cookies or other automated means.
We may collect Personal Information directly from you when you provide it to us, including when you fill out and submit information through any forms available on our Website; contact us for assistance or with questions or comments; upload Submitted Content to our Website (or otherwise provide it to us); or respond to a survey. You are not required to provide us your Personal Information; however, if you choose not to provide the requested information, you may not be able to use some or all of the features of our Website or Services or we may not be able to fulfill your requested interaction.
We may collect Personal Information from third parties, such as data analytics companies, advertising and marketing companies, email service providers, and companies that assist with the operation and functionality of our Website and Services and our business more generally.
We and third parties may use cookies (small files stored on your device or browser), pixel tags (tiny graphic images embedded in a website or email), and other similar technologies to automatically collect information when you visit our Website or interact with our emails or digital advertisements, including, for example, internet and network Information, Usage Data, and geolocation information. Through the use of cookies and similar technologies, we may link information about your interactions with our Website, emails, or digital advertisements over time, for example, which pages you visit, which links or buttons you click, and how long you stay on each page. Many web browsers are initially set up to accept cookies. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, certain features of our Website may not work if you delete or disable cookies.
We use the following types of cookies:
User activity information may be associated with additional information about a user's session and Personal Information, if provided by the user.
If you arrive at our Website by "clicking through" from another website, then certain information about you that you provided to that other website, such as the terms you searched that led you to our Website, may be transmitted to us and we may use it. You should review the Privacy Policy of any website from which you reached our Website to determine what information the operator collects and how it uses such information. We may retain information about you provided to us by other websites and will use it in accordance with this Privacy Policy. Such information may be associated with other Usage Data or Personal Information.
One tool we use is Google Analytics. For more information about Google Analytics, including how it collects and processes Personal Information and Usage Data, please review Google's Safeguarding Your Data disclosure.
If you arrive at the Website via an advertisement (e.g., banner ad), we may collect information regarding the advertisement with which you interacted and your interactions (e.g., item clicked, date and time).
From time to time, we may request Personal Information from consumers via surveys. Participation in these surveys is completely voluntary and you have a choice whether or not to disclose Personal Information. The requested information typically includes personal identifiers and contact information.
How we use the Personal Information we collect depends on how you interact with us, and may include the following purposes:
We partner with other business to assist with many aspects of our business on our behalf ("Service Providers"), including:
When you request a quote or other information from our vendor partners via our Website or Services, we will share certain information, including Personal Information, you provide with the vendor partners you select, so that they can contact you with quotes and promotional information about their offerings. Should you wish to explore our partners please visit our specific product pages for further information.
Please note that after we provide your Personal information to the vendor partners that you select, the shared Personal Information is governed by the applicable vendor partner’s privacy policy. We are not responsible for the privacy policies of such vendor partners.
We may share certain Personal Information with our affiliates for our affiliates’ use. Your information may also be transferred to another entity that succeeds to all or part of our business in connection with a sale, reorganization, consolidation, or merger.
We may disclose Personal Information about you to third parties, including to government bodies or law enforcement agencies, when we believe it to be necessary to comply with the law or to protect our business, our customers, our employees, or the public more generally. For example we may disclose specific Personal Information if we reasonably believe it is necessary to: (i) investigate any suspected fraud or misuse of the Website; (ii) protect or defend the rights, property, or interests of our business, our employees, our customers, or the rights, property, or interests of our affiliates, business partners, or service providers; or (iii) protect the personal safety of our employees, customers, or the public.
We will disclose Personal Information about you to other third parties at your direction or with your consent.
Please note that online cookie opt-outs are device and browser-specific. You may still see interest-based ads from us when using a different device or browser, unless you also opt-out using that device or browser. Furthermore, if you delete your browser cookies you will need to opt-out again.
Please note that if you opt out of our Website’s cookies, you may experience some inconvenience in your use of the Website.
Some browsers have a "do not track" feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser "do not track" signals.
We do not knowingly or purposefully request or collect Personal Information from any person under the age of 13. If you believe that your child under the age of 13 has submitted Personal Information, please contact us at compliance@tfli.us.
Although we use reasonable safeguards to protect your Personal Information, we cannot guarantee the security of information provided over the Internet or stored in our databases. Your transmissions are, therefore, at your own risk.
We will retain your Personal Information for the length of time needed to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
Our Website may, from time to time, contain links to websites owned and operated by third parties ("Third-Party Websites"). We encourage you to review the privacy policies of such Third-Party Websites so that you understand how those websites collect, use, and share your information. We are not responsible for the privacy policies or other content on Third-Party Websites.
If you engage or communicate with us on a social media platform (e.g., Facebook, Twitter, etc.), we may contact you via direct message or use other social media tools to interact with you. In these instances, your communications and interactions with us are governed by this Privacy Policy as well as the privacy policy of the social media platform you use.
We welcome your comments and questions. Please contact us by email at compliance@tfli.us, by phone at 786-627-3089, or by mail at the following address:
TFLI US Inc.
1200 Brickell Avenue Suite 1950 #1016
Miami, FL 33131
Residents of the State of California that have an established business relationship with us may request a notice disclosing the categories of Personal Information we have shared with third parties, for the third parties' direct marketing purposes, during the preceding calendar year. If you are a California resident and would like to request such a list, please contact us at compliance@tfli.us. Please allow 30 days for a response.
Residents of the State of Nevada request that a company not sell your Personal Information for monetary consideration to certain other parties. This right applies even if your Personal Information is not currently being sold. If you wish to exercise this right, please contact us at compliance@tfli.us.
This Privacy Policy is intended to cover collection of information from residents of the United States. If you are accessing or using our Website, or otherwise interacting with us from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By accessing or using our Website, or otherwise interacting with us or our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Policy. We do not sell, offer, or otherwise provide services to individuals outside of the United States.
Last Updated: February 2025
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