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Terms of Use of Website (rev. 7/1/14)

TCF Equipment Finance ("TCFEF"), a division of TCF National Bank ("TCF Bank") which, in turn, is a subsidiary of TCF Financial Corporation ("TCF"). VGM Financial Services ("VGMFS") is a trade name of TCFEF.

This website provides a general description of the products and services offered by TCFEF and includes other general information, including a general guide to policies and procedures, of TCFEF. Except as expressly provided in this website, nothing contained in this website constitutes a contract with you or amends or alters any contract we may have with you. By accessing this website, you agree to these Terms of Use (this "Agreement"). If you do not agree to this Agreement, you should immediately exit this website. We may delete, change, amend, or add to all content of this website, including available information, features, products, services and this Agreement, at any time and without notice to you, unless notice is expressly provided for specific services contained in this website. In addition, the most current version of this Agreement will always be posted on this website. Your access to or use of this website after the date such amended terms are posted shall be deemed to constitute acceptance of such amended terms.

We maintain this website for customers, prospective customers, other users of commercial business equipment, financial brokers and vendors, to obtain information regarding equipment financing programs offered by TCFEF, solely for business and commercial purposes, and to allow users to convey information to TCFEF. The information provided on this website does not constitute advice, an offer to buy or sell, or a solicitation of business. Before acting on any information, you should consider your company's needs, objectives and financial considerations. Products or services mentioned in this website may or may not be suitable for your company, are available only in the United States and may not be available to all customers in all geographic areas, and your eligibility for particular products or services is subject to approval or acceptance by us.

USE OF THIS WEBSITE IS AT YOUR OWN RISK AND TCFEF MAKES NO REPRESENTATIONS ABOUT THIS WEBSITE, ITS CONTENT OR THE ACCURACY OR COMPLETENESS THEREOF, OR SERVICES PROVIDED BY TCFEF OR ANY THIRD PARTY. TO THE FULLEST EXTENT PERMITTED BY LAW, TCFEF DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OF ANY CONTENT OR INFORMATION PROVIDED BY THIS WEBSITE.

Privacy and Security

We understand that you expect your non-public personal information to be kept private and secure. Although all transactions with TCFEF are solely for business or commercial purposes, we respect your concern about privacy and we have implemented certain procedures with regard to non-public personal information which we may receive in connection with business transactions, such as non-public personal information relating to transaction guarantors and non-public personal information relating to individuals who do business as a sole proprietorship.

Use of "Cookie" Technologies: Many websites place permanent cookies, or permanent electronic files, on your hard drive; the cookies collect data. We occasionally may use permanent cookies and place a permanent electronic file on your computer which keeps track of the number of visits to our website and it can help us maintain and improve this website in many ways. We also may use temporary cookies, which are automatically deleted at the end of a session or expire within 24 hours. BY ACCESSING OR USING THIS WEBSITE, YOU CONSENT TO OUR USE OF COOKIES ON YOUR COMPUTER HARD DRIVE.

When you want information: When you visit the TCFEF website and request information, we may collect the information we believe is necessary to process the transaction you have requested.

When you submit information: Except as otherwise expressly provided herein or in a written agreement with TCFEF applicable to your particular use of the website, information you submit to us is non-confidential and becomes our sole property, and we are entitled to the unrestricted use of any ideas, concepts, know-how, images or techniques contained in such information for any purpose, commercial or otherwise, including developing, producing and marketing products and services, in our sole discretion regardless of any proprietary claims or reservations of rights in the submission, and without acknowledgment or compensation to you.

Sharing Your Information When Permitted or Required by Federal or State Law or Agreement. We may share your information with other parties when necessary for the operation of our business or when permitted or required by federal or state law or when permitted under any separate agreement with you. For example, we share information in order to protect against fraud, report transactions to consumer reporting agencies and other credit bureaus, respond to subpoenas, and when you ask or permit us to.

Employee Access to Customer Information. We restrict access to non-public personal information about you to those employees who need to know that information to perform their job at TCFEF. Our employees are trained to respect customer privacy and to access customer information only when they have a business reason to know the information. In certain circumstances, we may also share with our vendors and sources information about our transactions and experiences with commercial applicants or customers.

Confidentiality and Security. TCFEF maintains physical, electronic, and procedural safeguards to guard your non-public personal information. Nevertheless, data, including e-mail and electronic communications using the Internet, network communications facilities, telephone or any other electronic means, may be accessed by unauthorized third parties when communicated by you. By transmitting data to us using such means, you agree that TCFEF is not responsible or liable for any such unauthorized third party access. Do not use this website as a means of submitting information you consider to be confidential or proprietary.

Collection of Information. Like most websites, TCFEF also collects and logs information automatically and through the use of electronic web beaconing tools that may be transparent to you, such as your IP address, the name and location of your Internet Service Provider, the type and version of your browser, the date and time of your visit, the length of time that you stay on this website, search queries, your click-stream data, the location that referred you to TCFEF and the average number of pages viewed. If you visit another website prior to browsing TCFEF's website, that website might place information within a URL, such as search queries, which may be logged by us. Your IP address is the identifier assigned to your particular computer when you access the Internet. Depending on how you connect to the Internet, your IP address may always be the same, or it may change each time you access the Internet. Note that logging your IP address does not provide us with personally identifiable information such as your name, e-mail address or home or business address.

Third Party Links

Clicking on certain links within this website will take you into other websites or material not under TCFEF's control, and TCFEF is not responsible for the contents of any such website or link or any link contained within a link, or any changes or updates to such websites or links. Content owned or provided by third parties may be protected by copyrights of such third parties or others and may be subject to such terms of use and other conditions as may be established from time to time by such third parties. TCFEF is not responsible for web casting or the placement of "cookies" by, or any other form of transmission received from, any linked site. TCFEF provides these links to you only as a convenience, and the inclusion of any link does not imply endorsement of the link by TCFEF, TCF Bank, TCF or VGMFS. In addition, the operators of those other websites, and not TCF, TCF Bank, TCFEF or VGMFS, control those sites and determine what use will be made of information collected from users.

Third Party Service Providers

Third party service providers referenced on this website or referred by TCFEF do not represent, legally bind or act on behalf of TCFEF, and each such service provider transacts business with you and its other customers independently and on a separate basis from TCFEF.

Trademarks; Intellectual Property Rights

TCF, TCF Bank, TCF Equipment Finance, TCFEF, VGM Financial Services and VGMFS are either trademarks or registered trademarks of TCF. All intellectual property rights associated with this website and its contents are the sole property of TCFEF, TCF or TCF Bank, or third parties, and protected by copyright, trademark and other laws in the United States and/or other countries. Except as expressly authorized in writing by TCFEF, you will not copy, reproduce, use, transmit, modify, loan, sell or distribute any of the contents of this website.

Restrictions on Use; Indemnity

You will not upload or add information to or use this website in a way that affects this website's performance, usability, function or accessibility to authorized parties. You agree to indemnify and hold harmless TCFEF, VGMFS, TCF, TCF Bank, and their respective officers, directors, employees and affiliates, from and against any and all claims, losses, expenses, damages or demands incurred by any such indemnitee in connection with any claim by a third party arising out of your communications with this website (including uploads or postings hereto) or your use of this website.

Jurisdiction and Governing Law

TCFEF operates and controls this website from its offices in Minnesota, USA, and this Agreement is made in the State of Minnesota. This Agreement and, except as otherwise expressly provided in this website, your access to and use of our website are governed by and will be construed in accordance with applicable federal law and the law of the State of Minnesota, without regard to the principles of conflicts of laws. All actions, claims or disputes arising under or relating to this Agreement or this website shall be brought in the federal or state courts in the State of Minnesota. You and we irrevocably submit and consent to the exercise of subject matter jurisdiction and personal jurisdiction over each party by the federal and/or state courts in the State of Minnesota. You and we hereby irrevocably waive any and all objections which any party may now or hereafter have to the exercise of personal and subject matter jurisdiction by the federal or state courts in the State of Minnesota and to the venue of any such suit, action or proceeding brought in any such federal or state court in the State of Minnesota.

Severability; Non-Waiver

If any provision of this Agreement is determined to be unenforceable or invalid, such determination shall not affect the validity or enforceability of the remaining provisions. Failure by TCFEF to enforce any provision of this Agreement shall not be construed as a waiver thereof.

COPYRIGHT NOTICE.

Copyright© 1999-2017
TCF Financial Corporation or TCFEF