Terms & Conditions

Payment Terms and Conditions

THIS PAYMENT SERVICE IS SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS

Do not use or access this Service if You do not agree to be bound by these Terms and Conditions.

It is important to carefully review all Terms and Conditions below, including the provision concerning recurring payments and refunds.

By using the Service, You accept these Terms and Conditions and are requesting to make a Payment to GM Financial. You are acknowledging and representing that: (1) You have considered other payment channels, such as delivery of the payment to GM Financial by U.S. mail or overnight delivery services, and that you desire to use the Service to process the Payment and (2) You have elected to use the Service and are voluntarily agreeing to have Your Payment processed by using the Service, subject to the Terms and Conditions.

1. METHODS OF PAYMENT.
With the authorization You provide (“Authorization”), your credit card will be charged or the bank account You have designated will be debited (either via one of the debit card networks by using Your ATM/debit card or via the Automated Clearing House (“ACH”) electronic payment system). You may schedule either one-time or recurring Payments. Pursuant to the information and Authorization you provide, your credit card will be charged or the bank account You have designated at the time and in the manner You have authorized (either ATM/debit card or ACH) will be debited to make Payment(s) to GM Financial.  GM Financial will use a third-party payment processor in order to process your payment. Each time You use the Service You agree that GM Financial, is authorized to process your Payment using our third-party payment processor and facilitate the charging of your credit card or debiting Your designated bank account for the amount of Your Payment that You have agreed to pay. You agree not to make a Payment that exceeds Your limits on Your credit card account, bank card account, transfer limits, or the balance of Your bank account (including any overdraft allowances by Your financial institution) and only for purposes for which the payment card was issued. Your agreement with Your credit card issuer, bank card issuer and/or financial institution where you have Your bank account governs use of Your credit card, bank card and/or bank account, as applicable, and You must refer to that agreement to ascertain Your rights and liabilities as an account holder or cardholder (which for a credit charge may include a “cash advance” fee).

2. PAYMENT TRANSACTION LIMITS.
GM Financial reserves the right to limit the maximum amount of a Payment, limit the number of Payments in a time period, to restrict improperly presented Payment options, and to reject a proposed Payment, in our sole discretion.

3. FEES AND PAYMENT.
Timing of Payments. Typically, Payments made using Your credit card or ATM/debit card will be charged or debited on the day we receive Your Authorization. Typically, Payments made by ACH will be debited from Your bank account on the Business Day following Your Authorization. If We receive Your Authorization on a Business Day prior to the scheduled cutoff time, we will process Your Payment on the same Business Day. If we receive Your Authorization on a day which is not a Business Day or after the day’s scheduled cutoff time, we will process Your Payment on the next Business Day. For a recurring Payment, if You schedule a Payment on a date which is not a Business Day, then we will process the Payment on the next Business Day thereafter. Unless GM Financial has indicated that it will post sooner, GM Financial will usually post Your Payment no later than two (2) Business Days after it has been processed with an effective date of the date the payment has processed.

Rejected Payments. If authorization is not received from Your bank or Your bank card issuer, or if Authorization is not received from You to debit Your bank account via ACH for the amount Payment, the Payment will not be completed and/or processed, to the extent permitted by law.

NSF; Additional Fees or Charges. You agree if there are insufficient funds (“NSF”) in Your bank account to cover a requested Payment, or if Your bank or bank card issuer rejects a debit for any reason, the Payment will be cancelled and Your Payment will be reversed to the extent permitted by law. If this occurs, You may be liable to GM Financial for interest and late fees, to the extent permitted by law. You may also be liable for any fees charged by the financial institution where You have Your bank account or, with respect to Your credit card, by the financial institution that issued You the credit card.

4. PRE-AUTHORIZED/RECURRING PAYMENTS
Pre-Authorized/Recurring Payments are payments that You set up through a payment plan with GM Financial in which GM Financial will automatically deduct from your designated credit card or bank account according to the terms of the payment plan that You choose.

You agree that if you set up a payment plan with GM Financial, You authorize GM Financial to charge your designated credit card or bank account for the amount due under your payment plan. You understand that your card issuer may supply GM Financial with updated expiration date and/or credit card number. It is your responsibility to notify GM Financial when the credit card and/or expiration date changes. It is also your responsibility to notify GM Financial to request an update to your payment method. You can update your payment method by contacting GM Financial at 1-800-284-2271.

Liability for Failure to Stop Payment of Pre-Authorized/Recurring Payment. You may not cancel a Pre-Authorized/Recurring Payment once Your credit card has been charged or Your bank account has been debited. You may cancel a Pre-Authorized/Recurring Payment, by calling Customer Service at the number above in time for us to receive Your request at least 3 Business Days before the date the Payment is scheduled. If You call, we may also require You to put Your request in writing and get it to us within 14 days after You call. Once Your Pre-Authorized/Recurring Payment has been canceled, all future Pre-Authorized/Recurring Payments in connection with your payment plan will be canceled as well.

5. REVOCATION OR CANCELLATION
You may not cancel a Payment once Your credit card has been charged or Your bank account has been debited.

6. UNAUTHORIZED DEBITS TO YOUR BANK ACCOUNT AND/OR ATM/DEBIT CARD ACCOUNT.
Tell us AT ONCE by contacting Customer Service at the number above if You believe someone has used or may use the Service without Your permission to authorize a debit to Your bank account or to Your ATM/debit card account. You should also contact Your financial institution and/or ATM/debit card issuer.

7. DOCUMENTATION/INFORMATION.
Payments will be listed as Payment to GM Financial on Your credit card statement, ATM/debit card account statement and/or Your bank account statement. A confirmation receipt will be made available to You on this website after You submit Your Payment information. You should print and retain a copy of the confirmation or copy for Your records. You may also contact Customer Service at the number above at any time to learn of charges to your credit card account, debits to Your bank account and/or ATM/debit card account through the Service. If You have any questions about one of these Payments, contact Customer Service.

E-Sign Disclosure and Consent Notice

This E-Sign Disclosure and Consent Notice (“Notice”) applies to all communications, as defined below. For the Electronic Service under this Notice, communications You receive in electronic form from us will be considered “in writing.”

By using the Services (“Electronic Services”) You hereby consent to this Notice and affirm that You have access to the hardware and software requirements identified below. In addition, you give your affirmative consent for GM Financial to provide you with electronic communications as described in the disclosure for your account.

ELECTRONIC DELIVERY DISCLOSURES

By accepting these terms, You agree that we may provide you with legal notices and disclosures in electronic format, unless and until you withdraw your consent as described below.

METHOD OF PROVIDING DISCLOSURES TO YOU IN ELECTRONIC FORM

All notices and disclosures that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a website that we will designate in an e-mail notice we send to you at the time the information is available, or (3) by access to a website that we will generally designate in advance for such purpose, when allowed by law.

HOW TO WITHDRAW CONSENT

You may withdraw your consent to receive notices and disclosures in electronic form for any of your accounts by contacting Customer Service at the number above. At our discretion, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic notices or disclosures. We will not impose a fee to process the withdrawal of your consent to receive electronic notices and disclosures. Any withdrawal of your consent to receive electronic notices and disclosures will be effective only after we have a reasonable period of time to process your withdrawal.

HOW TO UPDATE YOUR RECORDS

It is your responsibility to provide us with current, accurate and complete e-mail address, contact, and other information related to this Disclosure and your account(s), and to maintain and update promptly any changes in this information. You can update contact information (such as e-mail address) by contacting Customer Service at the number above.

HARDWARE and SOFTWARE REQUIREMENTS

In order to access, view, and retain electronic notices and disclosures that we make available to you, you must have the following hardware and software:

REQUESTING PAPER COPIES

We will not send you a paper copy of any electronic notices and disclosures unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic notice or disclosure by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic notice or disclosure to you. To request a paper copy, contact Customer Service at the number above. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.

COMMUNICATIONS IN WRITING

All notices and disclosures in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this Disclosure, your initial authorization to receive electronic notices and disclosures and any changes to that authorization, and any other communication that is important to you.

FEDERAL LAW

You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the Federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

TERMINATION / CHANGES

We reserve the right, at our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic notices and disclosures. We will provide you with notice of any such termination or change as required by law.