Effective: 10/30/2025
Welcome to Sphinx Capital Services L.P. (“Sphinx”, “we”, “our”, or “us”)! We're happy you're here and excited to help you on your journey to financial freedom.
When you use our Website, you enter into a legal agreement, which is what you see below. We encourage you to read our Terms and Conditions in their entirety because they are important. As used herein, “You” or “Your” refers to anyone who accesses and/or uses any portion of this Website. “Registered User” refers to any person who creates a user account to utilize services offered on the Website.
These Terms and Conditions govern Your access to and use of this Website, the Sphinx Customer Portal, the services which are offered therein (collectively, the "Website"), as well as other interactions we may have with You. These Terms and Conditions apply and become binding on the first date that You access any part of the Website or use any functionality provided through the Website. By accessing and using this Website, You signify that You have read, understand, and agree to be bound by the Terms and Conditions in effect at the time of Your access. If You do not agree with any part of these Terms and Conditions, please do not access or use the Website.
You represent that You are at least 18 years of age (or the age of the majority in the State in which You reside). This Website is not intended for users under 18 years of age, and You may not use this Website if You are under 18 years of age.
We may revise and update these Terms and Conditions from time to time in our sole discretion. When these changes occur, we will post the updated Terms and Conditions on the Website and will indicate at the top of the page the date the Terms and Conditions were last modified. You understand and agree that Your continued use of the Website after such changes constitutes Your acceptance of the new Terms and Conditions.
The features, functionality, and content of this Website, including, but not limited to, all designs, artwork, text, sound recordings, graphics, images, software, databases, information, and interfaces, are owned and controlled, except as otherwise expressly stated, by Sphinx and its licensors. Except as otherwise expressly stated herein, You may not copy, transmit, display, perform, distribute (for compensation or otherwise), license, alter, frame, store for subsequent use, or otherwise use any part of the Website without Sphinx's prior written consent. Sphinx grants no right to You on the Website, or any of its features, functionality, or content, other than as expressly provided in these Terms and Conditions. Sphinx does not grant any implied rights, and does not transfer or assign any ownership or intellectual property interest or title in or to the Website, or to any part thereof, to You or anyone else. The Sphinx name, logo design, and all other logos, names, and icons identifying Sphinx, or its products and services, or otherwise appearing on the Website are proprietary intellectual property of Sphinx or its licensors. The use of such intellectual property without the express written permission of Sphinx is strictly prohibited. Other featured words or symbols used to identify the source of goods and services may be the intellectual property of their respective owners.
Provided that You are legally eligible for use of this Website, these Terms and Conditions grant You a personal, non-exclusive, non-transferable, revocable, and limited license to access and use the Website solely for Your personal and informational use, contingent upon Your continued compliance with these Terms and Conditions. You may not use the Website (or any part of it) for any commercial purposes or in any manner not permitted by these Terms and Conditions. Pursuant to this limited license, You may print materials and information from the Website solely for Your personal and informational use, provided that You keep all copyright or other proprietary notices intact. You may not republish content from this Website on any Internet, Intranet, or Extranet site or otherwise use Website content in any manner not expressly authorized herein. Any such unauthorized use without the prior written permission of Sphinx is strictly prohibited and shall be grounds for termination of the limited license granted herein.
By accepting these Terms and Conditions and/or providing Your phone number to Sphinx, You expressly consent to be contacted by us, or our affiliates, agents, contractors, or vendors for any purpose, including debt collection, arising out of or relating to Your access to or use of the Website, Your Account(s), or Your debt or outstanding obligations by email, SMS messages (including text messages), voicemail (ringless or otherwise), and calls and messages delivered using an automatic telephone dialing system or an automatic texting system or artificial or prerecorded voice at any telephone numbers or email address that You provide at any time or which we obtain through other means. This includes landlines, cellular numbers, and numbers converted to cellular numbers. You further 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 that telephone number. You agree to notify us promptly if Your telephone number changes or is no longer in service. You also agree that any email address You provide to us is an active, personal, private email address accessible only to You and not a workplace or shared email address. Your cellular or mobile telephone provider will charge You according to the type of plan You carry. You agree that we may use the means of communication described in this section, even if You will incur costs to receive such messages. The number of messages will vary by account. We may modify or terminate our SMS or other electronic messaging services from time to time, for any reason, and without notice or liability to You.
You have the right to revoke Your consent to be contacted by us via SMS messages (including text messages), ringless voicemail, or calls and messages using an automatic telephone dialing system or automatic texting system or artificial or prerecorded voice at any time. You must notify us of Your intent to revoke Your consent.
If at any time You wish to stop receiving communication by electronic means from Sphinx, You can click the Unsubscribe link contained within the email, reply STOP to stop receiving text messages, or contact Sphinx using the contact information contained in our Contact Us page.
You confirm that You have the minimum necessary hardware and software requirements listed below to access and retain the Documents electronically and agree to receive Documents in electronic format.
Hardware & Software Requirements. In order to access and retain Documents electronically, You must satisfy the following computer hardware and software requirements:
These minimum requirements are subject to change. If our hardware or software requirements change and that change would create a material risk that You would not be able to access or retain Your Documents, we will give You notice of the revised hardware or software requirements.
Withdrawing Consent. You may withdraw Your consent to receive Documents electronically by calling us at 1-888-665-0374. If You have questions or need further assistance, please visit our Contact Us page. If You fail to provide consent or if You withdraw Your consent to receive Documents electronically, Sphinx reserves the right to deny Your access to and use of the Website.
Requesting Paper Copies of Electronic Documents. If we provide Documents to You electronically after Your consent to receive Documents electronically and You would like a paper copy, You may request a copy at no charge by writing to us at PO Box 10497, Greenville, SC 29603 or by visiting our Contact Us page. We will send Your paper copy to You by U.S. mail to the address we have on file. A request for a paper copy of any Document will not be considered a withdrawal of Your consent to receive Documents electronically.
Updating Your Contact Information. It is Your responsibility to keep Your primary email address up to date so that Sphinx can communicate with You electronically. You must promptly notify us of any change in Your email address. To update Your email address, You may visit Your profile page on the Sphinx Customer Portal, call us at 1-888-665-0374, or visit our Contact Us page.
You agree and acknowledge that You can access, receive, and retain all Documents electronically. You may also print a copy of this agreement for Your records.
By accessing or using this Website, You agree that Your access or use will not violate any applicable local, state, national, or international laws, regulations, rules, and guidelines, and/or the terms of any other agreement You may have with Sphinx. You agree to assume all responsibility for compliance with these Terms and Conditions and for Your use of the Website. Where this Website requires identification, You agree that You will establish reasonable security procedures and controls to limit access to Your password or other identifying information to authorized individuals.
Enrollment as a Registered User for access to certain areas of the Website may require both a user I.D. and a password. By enrolling as a Registered User, You agree to keep Your user I.D. and password confidential and to not disclose them to unauthorized third parties. You also agree not to use another Registered User's user I.D. or password without authorization. By enrolling as a Registered User on the Website, You represent and warrant to Sphinx (i) that You are of the legal age of majority and are authorized and able to agree to these Terms and Conditions and (ii) that You have all rights and permissions necessary to submit, display, or make available any materials or information submitted to the Website. Additionally, when registering for login credentials or otherwise providing information on the Website, You agree to (a) provide accurate, current, and complete information as may be prompted by any forms available through the Website or otherwise requested by us; (b) maintain and promptly update Your information to keep it accurate, current, and complete; (c) promptly notify us regarding any material changes to Your contact information and payment information; and (d) be fully and solely responsible for all use of the Website under Your login credentials or related to Your Account(s), including transactions made on Your Account(s).
Any use of or access to this Website by any natural person under the legal age of majority is unauthorized, unlicensed, and in violation of these Terms and Conditions.
You will immediately notify Sphinx if You become aware of any loss or theft of Your password or any unauthorized use of Your user I.D. or password. Sphinx cannot and will not be liable for any loss or damage arising from Your failure to comply with these obligations. With notice to You, Sphinx reserves the right to delete or change a user I.D. or password at any time and for any reason.
If You violate these Terms and Conditions, Sphinx may suspend or terminate any or all of Your access to the Website and your user account on the Sphinx Customer Portal and You may lose access to the account management features. If You commit fraud or falsify information or if we suspect fraudulent, abusive or illegal activity in connection with Your use of the Website, we may terminate Your user account immediately and Sphinx reserves the right to hold You liable for any and all damages that Sphinx suffers, to pursue legal action through relevant local, state, national, and international law enforcement authorities and notify Your Internet Service Provider of any fraudulent, abusive, or illegal activity Sphinx associates with You or Your use of the Website. You agree that we may terminate Your access to or use of the Website under any provision of these Terms and Conditions without prior notice.
The information and material contained on this website, including text, graphics, links, or other items, is provided "as is" and "as available," and may include errors, omissions, or other inaccuracies. Neither Sphinx nor any person associated with Sphinx makes any representations or warranties of any kind, either express or implied, regarding this website. To the fullest extent provided by law, Sphinx hereby expressly disclaims any and all warranties, express or implied, including, without limitation, any implied warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Neither Sphinx nor any person associated with Sphinx represents or warrants that the website will operate uninterrupted, without error, or in a way that will meet any specific requirements you may have. You expressly acknowledge that any and all risk as to the quality and performance of this website is assumed by you.
The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.
Please read this carefully; it affects your rights
You and we agree that either You or we may, without the other's consent, require the controversies or disputes between You and us (all of which are called “Claims”), to be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the laws of the state of New York.
Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to Your use of the Website. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if You pay us in full any outstanding debt You owe, or You file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.
Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by You or us in a small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.
No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims, are NOT available under this agreement to arbitrate. The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is the named party.
**Notice to California Consumers: This agreement to arbitrate shall not be construed to prevent You from seeking in the arbitration the remedy of public injunctive relief if (a) You reside in California, (b) You resided in California at the time You entered into this agreement to arbitrate, or (c) You otherwise qualify.
Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (“AAA”) before a single arbitrator under the AAA's Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located in the city of or nearest to Your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference. In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with the Federal Arbitration Act).
Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You may represent Yourself in arbitration, or You may be represented by a lawyer. Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision, this arbitration provision will control. The arbitrator will honor all claims of privilege recognized by law. Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator's award shall consist of a written statement setting forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not have any bearing on another person or dispute. If Your Claim is for $10,000 or less, You may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, or in an in-person hearing. Any in-person hearing will take place in the federal judicial district that includes Your billing address at the time the Claim is filed, unless the parties agree to a different place.
The Arbitrator's Decision: The arbitrator's decision will be final and binding on the parties. A party can file a written appeal to the arbitration administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the same arbitration administrator. The panel will decide anew all factual and legal issues relating to any aspect of the original decision objected to, following the same rules of procedure, by majority vote. The costs of such an appeal will be borne in accordance with the below paragraph entitled “Fees and Costs.” Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable by any court having jurisdiction.
Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator's rules of procedure. If You file the arbitration, You will pay Your share of the initial filing fee, unless You seek and qualify for a fee waiver under the applicable rules of the arbitration administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by the administrator's rules of procedure. All parties are responsible for their own attorney's fees, expert fees, and any other expenses, unless the arbitrator awards such fees or expenses to You or us if allowed by applicable law.
Other Parties Subject to this Agreement to Arbitrate: In addition to You and us, the rights and duties described in this agreement to arbitrate apply to: any third-party co-defendant of a claim subject to this arbitration provision.
Survival, Severability, and Amendment of Terms: Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the relationship between You and us, including the bankruptcy of any party. Severability. If any part or parts of Your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate or Your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Consumers, if arbitration is unenforceable, in whole or in part, You and we agree to resolve any Claim by a judicial reference proceeding as described above.
Amendment in Writing Only: This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or in a written agreement between You and us.
You acknowledge and agree that Sphinx shall in no event be liable or responsible for any loss, claim, or damages resulting from circumstances beyond Sphinx's control arising in connection with this Website, including, but not limited to, circumstances related to the failure of electronic or mechanical equipment or communication lines, computer viruses, unauthorized access, theft, operator error, telephone or other connection problems, severe weather, natural disasters, wars, labor strikes or other labor disruptions, or governmental restrictions.
To the fullest extent provided by law, you agree that in no event shall Sphinx be liable for any damages, whether direct or indirect, punitive, incidental, special, or consequential damages, including, without limitation, for lost profits or for lost data arising out of or in any way in connection with your use of this website or inability to use this website, whether based in contract, tort, strict liability, or otherwise, even if Sphinx or representatives thereof have been advised of the possibility of damages. Notwithstanding anything to the contrary contained herein, to the maximum extent permitted by applicable law Sphinx's or any of its affiliates total liability to you in connection with these terms or your access to or use of any part of this website shall not exceed $100. You acknowledge that if no fees are paid to Sphinx for your use of the website or the services provided therein, you shall be limited to injunctive relief only, unless otherwise permitted by law, and shall not be entitled to any damages of any kind from Sphinx. The law of certain states may not allow the exclusions and limitations of damages in this section, in which case Sphinx and its affiliates' liability for damages in connection with this website and these terms shall be limited to the maximum extent permitted by applicable law.
To the fullest extent permitted by law, You agree to defend, indemnify, and hold harmless Sphinx and affiliates and all of their respective employees, agents, directors, officers, shareholders, attorneys, successors, and assigns from and against any and all claims, proceedings, damages (actual or consequential), injuries, liabilities, losses, costs, and expenses (including reasonable attorney's fees and litigation expenses) of any kind of nature, known or unknown, relating to or arising from (a) Your access to, use of, or conduct on the Website, (b) Your violation of these Terms and Conditions, any representation, warranty, or agreements referenced in these Terms and Conditions, or any applicable law or regulation; (c) Your violation of any third party right, including without limitation any intellectual property, publicity, confidentiality, property, or privacy right; (d) any disputes or issues between You and any third party; or (e) due to any transactions or activities that You otherwise engage in with any third party in connection with the services offered therein.
You acknowledge and agree that Your use of this Website may be monitored, tracked, and/or recorded by Sphinx in accordance with applicable law, and that Sphinx may disclose information regarding such use to comply with government or court-appointed authorities if necessary. You therefore have no reasonable expectation of privacy while using this Website. Actual or attempted unauthorized use of this Website, including but not limited to unauthorized entry into Sphinx's systems, misuse of passwords, or misuse of any information posted to the Website, is strictly prohibited and may result in criminal and/or civil prosecution, including, without limitation, punishment under the Computer Fraud and Abuse Act of 1986. You shall not disable, circumvent, or otherwise avoid any security device, mechanism, protocol, or procedure established by Sphinx for use by or with this Website. You expressly acknowledge that any actual or threatened breach of these Terms and Conditions by You, or by any third party at Your direction, may cause irreparable injury to Sphinx, which is not easily quantifiable in monetary damages and for which Sphinx would not have an adequate remedy at law. Accordingly, You agree that in the event of such actual or threatened breach Sphinx shall be entitled to seek and be awarded an injunction or other appropriate equitable relief restraining such breach from a court of competent jurisdiction, in addition to any other remedies available to it at law or in equity, without the requirement of a bond.
Sphinx reserves the right to terminate these Terms and Conditions and Your right to access and use this Website at any time in the event Sphinx has reasonable basis to suspect fraud, illegal activity, or violation these Terms and Conditions on Your part. You acknowledge that Sphinx shall have the sole discretion to determine whether Your access to or use of this Website constitutes unauthorized activity and/or violation of any term or condition of these Terms and Conditions. In the event of termination under this section, Sphinx shall not be liable for any damages or losses incurred in connection with such termination. The provisions of these Terms and Conditions governing ownership rights, disclaimers of warranty, limitation of liability, indemnity, governing law, arbitration, enforcement, and termination shall survive any termination.
Certain sections or pages on this site may contain separate terms and conditions which are in addition to these Terms and Conditions. In the event of a conflict, the additional terms and conditions will govern those sections or pages. You acknowledge and agree that You are responsible for compliance with any third-party payment processor's terms and conditions and may be required to establish an account with a third-party payment service provider in order to complete a payment transaction. You may also be required to abide by additional instructions from and to agree to further terms and conditions with Sphinx regarding payment, retrieving data, and receiving other services.
We provide this Website for use only by persons located in the United States. We make no representations that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If You access the Website from outside the United States, You do so at Your own risk and are responsible for compliance with local laws.
This Website may contain links to other websites operated by third parties. These sites have not necessarily been reviewed by Sphinx and are maintained by third parties over which Sphinx exercises no control, and are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by Sphinx. Accordingly, Sphinx expressly disclaims any responsibility for the content, the materials, the accuracy of the information, the availability of any linked site, and/or the quality of the products or services provided by these third-party websites. We provide these links for Your information and convenience only. Inclusion of or linking to any third-party site or content does not imply approval or endorsement by Sphinx. We may terminate any link or linking program at any time. When You access any of the third-party sites linked to this site, You do so at Your own risk.
All matters relating to the Website and these Terms and Conditions, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims) shall be governed by, construed and enforced in accordance with the laws of the State of New York, U.S.A., as applied to agreements entered into and completely performed in the State of New York without giving effect to any choice or conflict of law provision or rule. The state or local courts in the State of New York shall have exclusive jurisdiction and venue over all controversies related to these Terms and Conditions or the Website, and You hereby expressly consent to such exclusive and personal jurisdiction and venue. You agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to these Terms and Conditions or the Website. You also acknowledge and agree that any applicable state law implementation of the Uniform Computer Information Transactions Act (including any available remedies) is not applicable to these Terms and Conditions and is hereby expressly disclaimed.
You may not assign or otherwise transfer these Terms and Conditions, or the limited license granted hereunder, or the duties or obligations assumed by You herein, in whole or in part, without the prior written consent of Sphinx. Any attempted assignment, delegation, or transfer in violation of this Terms and Conditions shall be void, of no effect, and a material breach of these Terms and Conditions. You acknowledge and agree that Sphinx may assign these Terms and Conditions in whole or in part, and may delegate its rights and responsibilities or utilize third party contractors or agents to fulfill its obligations under these Terms and Conditions.
You acknowledge and agree that in the event any provision of these Terms and Conditions is found by a court of competent jurisdiction or a similar adjudicating body to be void, invalid or otherwise unenforceable, unless it materially affects the entire intent and purpose of these Terms and Conditions such invalidity, voidness, or unenforceability shall not affect the validity these Terms and Conditions or any of the remaining provisions herein. In such event, said provision shall be deemed to be replaced with a valid and enforceable provision most closely reflecting the intent and purpose of the original provision.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF CALIFORNIA:
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or http://www.ftc.gov.
Nonprofit credit counseling services may be available in the area.
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations.
Privacy Policy. You understand, acknowledge, and agree that the operation of certain areas of the Sphinx Website requires the submission, use, and dissemination of personally identifiable information. If You wish to access and use those areas of the Website, You acknowledge and agree that Your access and use will constitute acceptance of Sphinx's personally identifiable information collection and use practices. For information relating to Sphinx's collection and use of personally identifiable information in connection with Your use of this Website, please see our Privacy Policy.
See also California Privacy Policy.
California License Number: 10888-00
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF COLORADO:
The State of Colorado requires that we provide you with the following information:
A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/ CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/
Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority.
Sphinx Capital Services Colorado office: 1776 S. Jackson Street, Suite 900, Denver, CO 80210. Telephone (720) 287-8681
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF MARYLAND:
Maryland License ID: 2301
NMLS Consumer Access
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF MASSACHUSETTS:
NOTICE OF IMPORTANT RIGHTS
You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.
NOTICE OF IMPORTANT RIGHTS
YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF MINNESOTA:
This collection agency is licensed by the Minnesota Dept. of Commerce.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF NEVADA:
Nevada Collection Agency License #: CAD11856
Nevada Compliance Manager License #: CM12869, NMLS ID 2630355
Nevada Compliance Manager License #: CM12039, NMLS ID 2337748
Nevada Compliance Manager License #: CM12488, NMLS ID 2337599
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF NEW YORK CITY:
New York City Department of Consumer and Worker Protection License Number: 1204239-DCA
Accessibility Accommodations
Sphinx is pleased to offer the following accommodations for our customers:
1. Screen-reader friendly website
2. Real-time voice interpreter services are available upon request for phone calls received during business hours. Additionally, customers can request to speak with a Spanish-speaking customer service representative, and written correspondence can be provided in English or in Spanish. For more information please call 1-866-312-1354.
For New York City consumers, the New York City Department of Consumer Affairs offers a translation and description of commonly used debt collection terms in multiple languages on the Department's website, www.nyc.gov/dca.
Adaptaciones de accesibilidad
Sphinx se complace en ofrecer las siguientes comodidades para nuestros clientes:
1. Sitio web compatible con lectores de pantalla
2. Los servicios de intérprete de voz en tiempo real están disponibles a petición para las llamadas que se reciban durante el horario de oficina. Asimismo, los clientes pueden solicitar hablar con un representante de servicio al cliente en español y la correspondencia escrita puede proveerse en inglés o en español. Para más información, llame al 1-866-312-1354.
Para los clientes de la Ciudad de Nueva York, el Departamento de Asuntos del Consumidor de la Ciudad de Nueva York ofrece una traducción y descripción de los términos de cobranza que se utilizan comúnmente en varios idiomas en el sitio web del Departamento. www.nyc.gov/dca.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF NORTH CAROLINA:
Our address and The North Carolina Department of Insurance Company Number are as follows: 55 Beattie Place Suite 110 Greenville, SC 29601 Company Number: 119500343.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF TENNESSEE:
This collection agency is licensed by the collection service board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF UTAH:
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
THE FOLLOWING DISCLOSURE APPLIES TO RESIDENTS OF WYOMING:
As required by law, you are hereby notified that a negative credit report on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
I agree to the Terms and Conditions of using the payment method designated by me and authorize Sphinx Capital Services L.P. or its agent to process the payments submitted through this online payment portal.
I acknowledge and agree that my payment does not alter or affect the 30-day period in which I have the right to exercise the rights outlined in any validation letter which may be or may previously have been sent to me in connection with my debt.
Welcome to the Payment Terms and Conditions for use of the Online Payment Portal for Sphinx Capital Services L.P., together with its parent, affiliates, subsidiaries, and agents (“Sphinx”). The Payment Terms and Conditions are applicable to all payments submitted through the Online Payment Portal.
Please note that your use of this Payment Portal is also governed by our Terms and Conditions and Privacy Policy, as well as all other applicable terms, conditions, limitations, and requirements contained on the https://portal.Sphinx.com Website, all of which are incorporated into these Payment Terms and Conditions. If you choose to use this Payment Portal to make a payment, you accept and agree to these Payment Terms and Conditions.
These Payment Terms and Conditions govern your use of the Sphinx Online Payment Portal (the "Payment Portal"). As used herein, the words "You" and "Your" refer to the user of the Sphinx Website and Payment Portal. The words "we", "our" and "us" refer to Sphinx, its parents, subsidiaries, affiliates, and agents. Utilizing the Payment Portal will enable You to make payments on Your Sphinx account(s) online. Sphinx reserves the right to refuse this payment option and the use of specific payment methods to anyone or any user without notice for any reason at any time, in its sole discretion.
To use the Payment Portal, You must designate a valid debit card, check, or electronic check ("Payment Method"). Each time You initiate a transaction(s), You authorize Sphinx or our agent to draw a check or draft, initiate an automated clearing house (ACH) debit, and/or charge Your Payment Method, in Your name to the bank account You specify, payable to us or to our agent, in the amount of the transaction, on the date(s) specified ("Billing Date") of the month(s) of payment according to the schedule (one-time or recurring) that You have affirmatively designated and authorized. Your transaction must be payable in U.S. dollars.
By submitting a payment using Your designated Payment Method, You agree that: (a) You have read, understand and agree to these Payment Terms and Conditions, and that this agreement constitutes a "writing signed by You" under any applicable law or regulation, (b) You consent to the electronic delivery of the disclosures contained in these Payment Terms and Conditions, (c) You authorize Sphinx or its agent to make any inquiries we determine may be necessary to validate any dispute involving Your payment, (d) You authorize Sphinx or its agent to initiate one or more drafts or ACH debit entries (withdrawals) or the creation of an equivalent bank draft for the specified amount(s) from Your bank account, and (e) You authorize the financial institution that holds Your bank account to deduct such payments, debit Your debit card, and to initiate any debit or credit entries to Your bank account in the amount of such payments or corrections.
Prior to making a payment through the Payment Portal, please ensure that You have enough money in Your designated bank account to cover the payment. For each transaction, Your bank may assess its customary per-check or item-handling charge or its customary charge for each dishonored check or draft. If any transaction is not honored by Your bank, we have the right to collect the amount from You as permitted by applicable law. If this happens, we may cancel Your right to make payments using the Payment Portal. It is Your responsibility to make sure that Your Payment Method information and contact information are current at all times.
Payments made through the Payment Portal before 5:00 pm ET on business days (Monday-Friday) will be processed within 24 hours of receipt.
All questions relating to any transactions submitted through this Payment Portal should be directed to us. You may contact us regarding any payments submitted through this Payment Portal by writing to us at PO Box 10466, Greenville, South Carolina 29603 or by phone at 1-888-665-0374. You may also view Your transaction history at any time on the Payment History screen on our Payment Portal.
If You believe that any payment transaction initiated by Sphinx is erroneous, or if You need more information about a transaction, You should contact us by writing to us at PO Box 10466, Greenville, South Carolina 29603 or by phone at 1-888-665-0374. Please notify us as soon as possible should You have reason to believe that someone has attempted to complete a payment using this Payment Portal without Your permission. Federal law limits Your liability for any fraudulent, erroneous, or unauthorized transaction from Your bank account based on how quickly You report it to Your financial institution. You should contact Your financial institution for more information about the policies and procedures that apply to Your account, including any limits on Your liability.
We will not be liable to You in the following instances: (1) if, through no fault of ours, Your account does not contain enough money to complete the transaction; (2) if the funds in Your account are subject to legal process or other encumbrance restricting the transaction; or (3) if circumstances beyond our control prevent the transaction, despite reasonable precautions that we have taken.
To ensure the protection of Your privacy, we will not disclose any information about Your online payment transactions to any person, except as follows:
In the event You choose to make an online payment, set up an online payment plan, edit an existing online payment plan, cancel an existing online payment plan, or otherwise engage with the Payment Portal, You agree to receive an immediate one-time confirmation email at the email address You have provided to us. This confirmation may be sent at any time following Your activity on the Payment Portal, including times You may have generally designated as inconvenient. In addition, we may send You periodic payment reminders at the email address You have provided to us. When You make a payment through the online Payment Portal, You will be prompted to agree to the following: ESIGN Disclosure & Consent Notice.
If You close the bank account You have designated as Your Payment Method on this Payment Portal, You agree to notify us first and to stop authorizing and initiating payments using that Payment Method on the Payment Portal.
Any documentation provided to You which indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.
The initiation by You of certain electronic funds transfers from Your account will, except as otherwise provided in these Payment Terms and Conditions, effectively eliminate Your ability to stop payment of the transfer.
Unless otherwise provided in these payment Terms and Conditions, you may not stop payment of electronic fund transfers; therefore, you should not employ electronic access for payments unless you are satisfied that you will not need to stop payment.
If You give us Your written authorization to disclose information about You, Your account, or the transactions that You make to any person, that authorization shall be effective until we receive written notification from You to cancel such authorization, unless otherwise agreed or permitted by law, or as outlined in Section 8.
We may, in our sole discretion, make changes to these Payment Terms and Conditions and/or the Privacy Policy at any time and without notice to You. If any change is found to be invalid, void, or for any reason unenforceable, that change is severable and does not affect the validity and enforceability of any other changes or the remainder of these Payment Terms and Conditions. We reserve the right to subcontract any of our rights or obligations under these Payment Terms and Conditions.
Your continued use of your bank account as a payment method on our payment portal after we change our Terms and Conditions and/or our Privacy Policy constitutes your acceptance of any changes.
In the course of your interactions with Sphinx, you may request to receive certain documents electronically. When you do so, you will be prompted to agree to the following:
The terms "us" or "we" or "our" or "RCS" or "Sphinx" refers to Sphinx Capital Services L.P., the owner of this website (the "Website").
"You" or "Your" refers to anyone who accesses and/or uses any portion of the Website.
A "Document" includes electronically formatted documents, communications, notices, contracts, and agreements arising from or relating to Your use of the Website or the services offered therein (the "Services") from Sphinx.
For more information, view our Terms, Conditions & Disclosures here.
Electronic Communications. Documents may be provided to You electronically either on the Website or via electronic mail to the verified email address You provide. You are not required to consent to electronic delivery of Documents in order to conduct business with Sphinx and may request a paper copy at any time. If You require paper copies of such Documents, You may write to us at PO Box 10497, Greenville, SC 29603 and a paper copy will be sent to You. A request for a paper copy of any Document will not be considered a withdrawal of Your consent to receive Documents electronically. We may discontinue electronic provision of Documents at any time in our sole discretion.
You confirm that You have the minimum necessary hardware and software requirements listed below to access and retain the Documents electronically and agree to receive Documents in electronic format.
Hardware & Software Requirements. In order to access and retain Documents electronically, You must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; Operating System: Windows 8.1, Windows 10; Mac OS X Mojave 10.14.6, Catalina 10.15.7, Big Sur 11.0.1. Browsers: Final release versions of Microsoft Edge 83.0 or above (Windows only); Mozilla Firefox 85.0 or above (Windows and Mac); Safari 14.0.3 or above (Mac OS only); Google Chrome 87.0 or above; Opera 61.0 or above (Windows and Mac). PDF Reader: Acrobat or similar software may be required to view/print PDFs. Screen Resolution: 1024 x 768 minimum. Security Settings: Allow per session cookies.
These minimum requirements are subject to change. If these requirements change, You will be notified and asked to re-accept this agreement.
Withdrawing Consent. You may withdraw Your consent to receive Documents electronically by contacting us. If you have questions or need further assistance, please visit our website at https://portal.sphinx.com/contact.
You agree and acknowledge that You can access, receive, and retain all Documents electronically. You may also print a copy of this agreement for Your records.
For more information about Sphinx's Privacy Policy, please visit our Privacy page.
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Privacy Policy
For more information about Sphinx's Privacy Policy, please visit our Privacy page.
Supported Carriers
This program is supported by Alltel, AT&T, Boost, Sprint, Verizon Wireless, Virgin Mobile, MetroPCS, T-Mobile, and U.S. Cellular. Products & services are compatible with AT&T headsets.
Sphinx encourages interaction, discussion, comments, and questions. We are unable to answer questions or discuss information related to a specific customer or account via social media due to legal, safety, and privacy concerns. Our Customer Care Team is happy to answer any questions You might have about an account, and You can reach them by visiting our Website's Contact Us page.
When submitting or using content posted on our Social Media pages, we ask that users adhere to the following Community Guidelines:
While this isn't an exhaustive list, we ask that users not post content that:
We reserve the right to edit, hide, or delete comments that violate the guidelines above. We also reserve the right to block individuals who do not follow these guidelines or are repeat offenders.
Sphinx may provide links to other websites or social networks (or pages) as informational resources for Your convenience. These sites, networks, and pages are maintained by third parties in which Sphinx has no control over. These links do not imply an endorsement with respect to any third party.
We may disable all or any social media features and any links at any time without notice in our discretion.
