Terms of Use

Last Updated 4/15/2025

The following terms and conditions (“Terms and Conditions”) govern your use of the World Wide Web Site located at www.inveniofinancial.com (this “website”). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.

These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Terms and Conditions since their last visit. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was made.

This website has been prepared solely for the purpose of providing information about PCA Acquisitions V, LLC, hereinafter referred to as “INVENIO”, “our”, “us”, or “we” and the products and services offered by the company and its operating subsidiaries and affiliates. “You” as referenced in these Terms and Conditions refers to any user of the website. Without limiting the generality of anything else, INVENIO makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and it shall not be responsible for any errors or omissions on the website. INVENIO reserves the right to add, modify or delete any information on this website at any time, with or without notice.

Copyright and Other Proprietary Information:
Website text, graphics, design, selection and arrangement copyright ©2012 PCA Acquisitions V, LLC, (INVENIO) All rights reserved. INVENIO grants you a personal, revocable, limited, non-exclusive, non-transferable, license to use the INVENIO Website solely for general information about the company, to communicate with us regarding your debt, and make payments on your account. Your use of this site is conditioned on your continued compliance with these Terms and Conditions. This limited license terminates automatically, without notice to you, if you breach any of these Terms and Conditions. You may use the materials and information from the Website for your personal and informational use only. No representation is made as to the completeness or accuracy of the information on the Website. You may not use the INVENIO Website (or any part thereof) for any commercial purposes or in any manner which is not permitted by these Terms and Conditions. You may print information from the Website provided that all hard copies contain all copyright and other applicable notices contained in such materials and information.  Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission INVENIO is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to INVENIO or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.

INVENIO welcomes your feedback and suggestions about how to improve our products, information, and services and this website. By transmitting any suggestions, information, data, material, or other content (collectively, “Submissions”) to INVENIO, you automatically grant INVENIO the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Further, INVENIO is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to this website for any purpose whatever, including, but not limited to, creating and marketing products, information, or services using such information.

User Acceptance, Obligations and Disclaimers

When you use or access the INVENIO Website, or download any materials from the website, you agree to these Terms and Conditions. If you do not agree to the Terms and Conditions, do not use or access the INVENIO Website or download any materials from it. We may revise these terms and conditions from time to time by updating the “Terms and Conditions” section of this website without any advance notice. We may terminate these Terms of Use and take down the website in whole or in part at any time without prior notice to you. 

INVENIO makes no representations or warranties, and disclaims all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. 

You expressly understand and agree that your use of this website is at your sole risk. To the extent permitted by applicable law, INVENIO will not be liable to you or any other party for any damage, loss, or expense arising directly or indirectly from use of this website or its Content, and you hereby expressly waive any claim against INVENIO for such losses. You agree that your use of this site is a waiver of any prior request that we cease communications with you.

You expressly agree that INVENIO may transmit your personal information to its third-party vendors who perform services for us in connection with the Website, or to complete or confirm a transaction or series of transactions that you conduct with us or for other everyday business purposes.

INVENIO shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will INVENIO extend liability to you or any other person or entity in connection with, based upon, or arising from this website, the website materials on and in and made available through this website, or the services, information, or products offered in connection therewith exceed the price paid by you for use of this website. Use this website at your own risk.

You agree to indemnify and hold us harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by us in connection with any claim by a third party (including any intellectual property claim) arising out of or relating to your use of the website in violation of these Terms and Conditions, or in violation of any applicable law.

WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THIS WEBSITE, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR THE WEB.

By using the website, you agree that with regard to the following prohibited activities:

  • You may not use any “deep-link”, “page-scrape”, “robot”, “spider”, or other automatic device, program, algorithm or methodology, or any similar process, to access, acquire, copy, or monitor any portion of the website, or in any way reproduce or circumvent the navigational structure or presentation of the website, to obtain or attempt to obtain any information through any means not purposely made available through the website.
  • You may not attempt to gain unauthorized access to any portion or feature of the website, or any other systems or networks connected to the website or to our server, or to any of the services offered on or through the website, by hacking, password “mining”, or any other illegitimate means.
  • You may not probe, scan, or test the vulnerability of the website or any network connected to the website, nor breach the security or authentication measures on the website or any network connected to the website. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the website, or any other person, including any account not owned by you, to its source, or exploit the website or any service or information made available or offered by or through the website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the website.
  • You agree not to use any device, software, or routine to interfere or attempt to interfere with the proper working of the website or any transaction being conducted on the website, or with any other person’s use of the website.
  • You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
  • You may not use the website for any purpose that is unlawful or prohibited by these Terms and Conditions, or to solicit the performance of any illegal activity or other activity which infringes our rights or the rights of others.

If you are using this website to make a payment, you agree that if we process a payment accompanied by any restrictive language, such restrictive language will have no effect and will not constitute an accord and satisfaction or a compromise of your account balance.

Links to Other Sites: 

Without limiting the generality of the foregoing, other sites that may be listed or linked in this website are not under the control of INVENIO. Accordingly, INVENIO can make no representation concerning the content of these sites to you, nor can the fact that INVENIO has given you this listing serve as an endorsement by INVENIO of any of these sites. INVENIO is providing links to these sites as a convenience to you. INVENIO has not tested any software that may be found on these sites and therefore cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and INVENIO cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. INVENIO is not responsible for any content, information, products, services, or software offered by any other party or at any other web site.

Texting/Cell Phone Terms and Conditions:

If you provide a mobile telephone number to INVENIO, you consent to receiving calls, texts, SMS messages, prerecorded messages, or other account related communications at that number or on a device connected to or associated with that number, from INVENIO and/or its affiliates using an automatic telephone dialing system, autodialer, or predictive dialer. By providing your phone number and opting into our SMS program, you consent to receive text messages from INVENIO at the number provided. Message frequency may vary. Standard message and data rates may apply. Reply STOP to opt out or HELP for assistance. Your information will not be shared or sold. For more details, please review our Privacy Policy

In order to stop receiving calls or texts from us you must tell us which type of calls or texts you wish to opt out from receiving in any of the following ways: (1) Calling us at 1-800-310-3078; (2). Emailing us at [email protected]; or (3). (only for text message calls) Responding to text messages with the word STOP. If you opt out of receiving text messages from us by texting STOP, you agree to receive a one-time text message from us confirming the removal of your phone number from our text message service.

Message or data rates may apply. By agreeing to these Texting/Cell Phone Terms and Conditions, you agree that INVENIO will not be liable for any fees or charges from your service provider related to such calls. You are solely liable and responsible for all charges (message and data) that are incurred as a result of calls by INVENIO. You acknowledge that although INVENIO is only attempting to communicate with you, there is a possibility of loss of privacy (i.e. other individuals with electronic, physical, or visual access to your telephone/telephone number). Please notify us immediately if your cell phone number changes. We are not liable for any communication or transmission of information by calls which happens because you did not report that your mobile number changed. You acknowledge that password-protecting cellular device(s), enabling encryption, if available, and disabling automatic Bluetooth connection are commonly recommended security protocols, and you agree that we will have no liability for any disclosures of information to others that may occur as a result of your failure to implement such protocols. calls may include personal information. Since calls are unencrypted, there is a risk that this personal information could be intercepted or viewed by third parties, including others who access your device. When you receive calls from us, you do so at your own risk. Once INVENIO receives notice that the telephone number associated with you or your account is no longer in use by you, INVENIO will update our records and cease communication with you at that phone number within a reasonable time.

Additionally, you acknowledge and agree that we may record, save, and/or monitor any calls for retention purposes, monitoring, evidentiary, quality control, or any other purpose deemed reasonable by INVENIO, subject to applicable law. Please note however that we are not under any obligation to do any of the above-mentioned purposes, unless required by applicable law.

We are not liable for delayed or undelivered messages. We will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or misdirected delivery of calls; (b) inaccurate or incomplete content in calls; or (c) use or reliance on the content of any Call or message for any purpose.

Email Terms and Conditions:

When you use the INVENIO Website or by providing an electronic mail address for any reason to INVENIO or its affiliates, you may be communicating with us electronically. By doing so, you consent to receive communications from INVENIO or its affiliates electronically, such as e-mails, mobile push notices, or notices and messages on the INVENIO Website site, or through any other means from INVENIO or its affiliates, and agree that it is not inconvenient for you to receive such electronic communications from INVENIO or its affiliates at any time INVENIO may send them, or at any place associated with such email address, or other similar device you used to communicate with us via electronic means. If you later determine that a particular time or place is no longer convenient to receive electronic communications from INVENIO, you further agree to opt out of such electronic communications as described in this paragraph as an appropriate remedy. You can retain copies of these communications for your records. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You further agree that you are the sole user of any electronic mail account, telephone number, or electronic device that you use to communicate with INVENIO or its affiliates, that you have sole access to that account or device, and that the e-mail address associated with that electronic mail account is not furnished or owned by your employer. If you do not wish to receive electronic communications from INVENIO or its affiliates, you may opt out of such communications by contacting us using the information provided at the bottom of this page or clicking the unsubscribe link in any email we send to you.

Privacy Statement:
INVENIO has a Privacy Notice setting out INVENIO’s online information gathering and dissemination practices with respect to the website. The Privacy Notice is incorporated into these Terms and Conditions by reference, as if set forth fully herein.

Governing Law and Jurisdiction:
These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and INVENIO with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of the State of Delaware, without reference to its conflict of law rules; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms and conditions of the applicability of one or more sections of the law.

Miscellany:
By accessing, viewing, or using the works, content, or materials on this website, you consent to the exclusive jurisdiction of the federal and state courts presiding in Delaware and agree to accept service of process by personal delivery or mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This website is controlled and operated by INVENIO from its offices within the United States. Without limiting anything else, INVENIO makes no representation that the works, content, materials, services, information, or products available on, in, or through the website are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. Those who choose to access this website from other locations do so on their own volition and are responsible for compliance with applicable laws. The waiver or failure of INVENIO to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. Headings used in these Terms and Conditions, including, without limitation, the Privacy Notice, are for reference only and shall not affect the interpretation of these Terms and Conditions (or the Privacy Notice). The waiver or failure of INVENIO to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. INVENIO reserves the right to terminate your access to this website in the event that you violate these Terms and Conditions or for any reason whatever or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.

FDCPA:
This website and any communication related thereto is an attempt to collect a debt. INVENIO is a debt collector. Any information obtained, including links, mega data, electronic information, web sites or location information of any kind may be used for that purpose.