Terms and Conditions


The information, software, products and descriptions of services published on the site or a linked site may include inaccuracies or typographical errors, and ktob llc specifically disclaims any liability for such inaccuracies or errors. KTOB LLC does not warrant or represent that the content on the site is complete or up-to-date. KTOB LLC is under no obligation to update any content on the site. KTOB LLC may change the content on the site at any time without notice. KTOB LLC may make improvements or changes to the site at any time.

You agree that KTOB LLC, its affiliates and any of their respective officers, directors, employees, or agents will not be liable, whether in contract, tort, strict liability or otherwise, for any indirect, punitive, special, consequential, incidental or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the use of the site or a linked site, or with the delay or inability to use the site or a linked site, even if KTOB LLC is made aware of the possibility of such damages. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. KTOB LLC cannot and does not guarantee continuous, uninterrupted or secure access to the web site.


All content, products, and services on the site, or obtained from a website to which the site is linked (a "linked site") are provided to you "as is" 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.

Other than as required under applicable consumer protection law, under no circumstance will ktob llc be liable for any loss or damage caused by a user's reliance on information obtained through the site or a linked site, or user's reliance on any product or service obtained from a linked site. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any opinion, advice or other content available through the site, or obtained from a linked site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice, product, service, or other content.



SCOPE OF AGREEMENT: This Agreement covers your participation in the Pay by Computer Program offered by KTOB LLC (the "Program"). In this Agreement, the words "you" and "your" refer to the Purchaser/Borrower (that is, the person primarily responsible for repayment of the loan) and also includes all Additional Co-Purchasers/Co-Borrowers. The words "we," "our" and "us" refer to KTOB LLC. The words "your bank" mean the bank, securities firm or other financial institution that holds your account. The words "Installment Loan" refer to the motor-vehicle retail installment loan with security agreement in effect between you and your creditor.


Participating in the Pay by Computer Program will enable you to pay your Car, Motorcycle or other Vehicle Installment Loan, and access your installment loan account online through our website, according with the servicing-agreement we may have in effect with the respective finance company which extended credit to you.


ACH PAYMENTS: Each time you initiate a transaction, you authorize us or our agent to draw a check or draft or initiate an automated clearing house (ACH) or depository transfer check (DTC) debit in your name to the financial account you specify in the amount you request, payable to us, to our agent or to your creditor, in the amount of the transaction.


CREDIT CARD PAYMENTS: Each time you initiate a transaction, you authorize us or our agent to charge your credit card account in the amount you request, payable to us, to our agent or to your creditor, in the amount of the transaction.


CHARGES: For each transaction your bank or credit card company may assess its customary per-check or item-handling charge, if any. You also agree to pay us a service charge for each dishonored check, draft or charge-back to reimburse us for any costs of collection. Your bank may also assess its customary charge for such items.


DISHONORED REQUESTS FOR PAYMENTS: If any Pay by Computer transaction (check, draft or credit card payment drawn either by us, your creditor, our affiliates, our agents or subsidiaries in connection with the Program) is not honored by your bank or credit card company, we have the right to charge the amount of any such transaction plus any extra charges to your installment loan balance or to collect the amount from you. If this happens, we may cancel your right to participate in the Program.


OUR LIABILITY FOR IMPROPER TRANSACTIONS OR PAYMENTS: It is your sole responsibility to safe-guard and protect your login information, we will not be liable for payments applied to your account that where initiated using your credentials.


We will have a limited liability in the following cases:

1. In case a payment is not timely processed due to a technical or human error on our part, our liability to you is limited to waiving any extra charges we may have assessed for late payments caused by our failure to properly process such payments.

2. In case we process an unauthorized payment or a scheduled payment that was properly cancelled (allowing 1 business day for processing), our liability to you is limited to refunding such unauthorized transaction to the same bank or credit card account from which they where drawn, provided we are notified by you within 30 days of such event and your installment loan account is current. Additionally and at our sole discretion we may credit you any overdraft charges imposed by your bank resulting from such transaction, provided you can properly document that such charges existed.


BUSINESS DAY: For purposes of this Agreement, our business days are Monday through Friday. Holidays are not included.



DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: To protect your privacy, we will not disclose any information about your Pay by Computer transactions to any person, except as follows:


1. as necessary to complete transactions;


2. to verify the existence and condition of the Installment Loan account for a third party, such as a financial institution or credit bureau.;


3. to comply with government agency or court orders;


4. to our employees, auditors, service providers, attorneys, or collection agents in the course of their duties;


5. to persons authorized by law in the course of their official duties; or


6. if you give us your written permission.



HOW TO CONTACT US: If for any reason you wish to contact us about the Program, about your participation in the Program or about transactions relating to the Program, write or call us as follows:




700 South Royal Poinciana Blvd Ste 702

Miami Springs, FL 33166

305-883-2299 Mon-Fri 9:00 am to 6:00 pm


IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS: Write or call us at the number or address given above as soon as you can if you think your account history-detail or receipt is wrong or if you need more information about a transaction listed on your account history-detail or receipt. We must hear from you no later than 60 days after the problem or error occurred.


1. Tell us your name and vehicle VIN number.

2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

3. Tell us the dollar amount of the suspected error.

If you tell us orally we may require that you send us your complaint or question in writing within 10 business days* from the date you notified us.


We will tell you the results of our investigation within 10 business days* after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question.


CONSENT TO ELECTRONIC COMMUNICATION: By clicking Agree you are consenting to receive a one-time confirmation of your enrollment in this service electronically to the e-mail address you have provided to us. We reserve the right to send the confirmation via paper under certain conditions. In order to receive the electronic confirmation of your enrollment in this service you must have access to a personal computer with a 128 bit javascript enabled browser, internet access and a valid electronic mail account supported by software that enables you to receive electronic communications. In order to store electronic communications from KTOB LLC you will need a printer connected to your computer to enable you to print such communications for storage in your off-line files or a hard drive or disk drive to download the electronic confirmation communication for storage on your computer.


TERMINATION: We may revoke your right to participate in the Program, but if we do we will send you an electronic notice to the e-mail address you have provided to us of such revocation. You may terminate your participation in the Program but you must do so by writing to us at the address disclosed in the Section of this Agreement entitled "HOW TO CONTACT US."


If you close your bank or credit card account, you agree to notify us first and to stop initiating transactions.



PRIOR AGREEMENTS AND ASSIGNMENTS: This agreement terminates and takes the place of all prior agreements you may have with us relating the terms of use for the site and the Pay by Computer Program. We have the right to assign this Agreement to a subsidiary or affiliate company at any time.



GENERAL DISCLOSURE STATEMENT: Any documentation provided to you which indicates that an electronic fund transfer was made or initiated shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made or initiated.


The initiation by you of an electronic funds transfers from your bank account, or a credit card payment will, except as otherwise provided in this Agreement, effectively eliminate your ability to stop payment of the transfer or credit card payment.