Lee Discount Terms of Service

1. About Lee Discount

Lee Discount is a licensed small loan provider offering fixed-term installment loans, serving Vidalia, GA, Toombs County, and surrounding communities. We operate in compliance with Georgia state laws and applicable federal lending regulations. Lee Discount is a direct lender: we originate and service every loan ourselves and do not sell or broker applications to other lenders.

• Business Name: Lee Discount
• NMLS Identifier: NMLS ID # 1275502
• GILA License: GILA Lic # 14231
• Physical Address: 125 NW Main St, Vidalia, GA 30474

2. Loan Applications and Eligibility

To apply for a loan or use our services, you must be at least 18 years of age, a resident of Georgia in our eligible service area, and legally capable of entering into binding contracts.

When you submit an application through our website or customer portal:

• You agree to provide true, accurate, current, and complete information.
• You authorize Lee Discount to verify your identity, employment, and income details.
• You authorize Lee Discount to obtain consumer credit reports to evaluate your application.

3. SMS Text Messaging Terms & Conditions

Program Details:

• Message Types: SMS notifications include loan application status updates, missing documentation requests, account reminders, and customer support responses.
• Opt-Out Instructions: You may cancel the SMS service at any time. Simply text STOP to any message from us. Upon texting STOP, we will send you an SMS to confirm you have been unsubscribed. No further automated SMS messages will be sent unless you re-subscribe.
• Help & Support: If you experience issues with messaging, reply with the keyword HELP for assistance, or contact us directly at [email protected] or 912-537-3873.
• Carrier Disclaimer: Wireless carriers (such as AT&T, Verizon, T-Mobile, etc.) are not liable for delayed or undelivered messages.
• Data Rates: As always, message and data rates may apply for any messages sent to you from us and to us from you.
• Privacy & No Sharing: Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. See our Privacy Policy for complete details.

4. Electronic Communications Consent (E-SIGN)

By using our online portal or submitting application details, you consent to receive electronic communications, disclosures, notices, and agreements from Lee Discount. You agree that all electronic notices satisfy any legal requirement that such communications be in writing.

5. User Accounts and Security

If you register for an account on our Customer Portal, you are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account. You agree to notify us immediately of any unauthorized use or security breach.

6. Limitation of Liability and Disclaimers

Our website and online services are provided on an "as is" and "as available" basis. While we strive to maintain uninterrupted and error-free operation, Lee Discount makes no warranties regarding the website's uninterrupted availability. In no event shall Lee Discount be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use our services.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts of Toombs County, Georgia.

8. Contact Information

For questions regarding these Terms of Service, customer support, or our compliance policies, please reach out to: