Effective Date: February 10, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website, services, and communications provided by Southstar Financial Inc (“Southstar,” “we,” “our,” or “us”). By accessing this website or using our services, you agree to be bound by these Terms. If you do not agree, you may not use our website or services.

1. Services Provided

Southstar Financial Inc provides point-of-sale consumer financing for eligible product purchases through participating merchants. Financing is offered only for specific product transactions and is not intended for general personal use, revolving credit, or cash advances.

Any financing offer is subject to eligibility requirements, verification, underwriting review, and applicable federal and state laws.

2. Eligibility

To use our services, you must be at least 18 years old and legally able to enter into a binding agreement. By using this website or applying for financing, you represent and warrant that you meet these requirements.

3. Financing Availability and State Authorization

Southstar Financial Inc provides financing only in states where it is properly licensed, registered, or otherwise authorized to operate. Financing may not be available in all jurisdictions.

Even if our services are marketed or accessible nationwide, no financing will be offered or extended in any state where Southstar is not authorized to do so at the time of application.

4. No Guarantee of Approval

Submitting an application does not guarantee approval. Financing approvals and terms are determined based on underwriting criteria and transaction details. Southstar reserves the right to deny any application or request additional verification at its sole discretion, as permitted by law.

5. Accuracy of Information

You agree to provide accurate, complete, and truthful information when applying for financing or communicating with Southstar. Providing false, misleading, or incomplete information may result in denial, cancellation, or other legal action as permitted under applicable law.

6. Loan Agreements and Disclosures

If you are approved for financing, you will be presented with required disclosures and the applicable financing agreement. The financing agreement and disclosures control and govern the terms of your financing.

You are responsible for reviewing all terms, including repayment schedules, fees (if applicable), interest rates (if applicable), and consequences of late or missed payments.

7. Payments and Account Responsibilities

If financing is accepted, you agree to make all payments in accordance with the terms of your financing agreement. Failure to make payments may result in fees, reporting, collections activity, or other actions as permitted under the agreement and applicable law.

8. Website Use

You agree not to use this website or any Southstar systems to:

violate any law or regulation

submit fraudulent or misleading information

attempt unauthorized access to systems or accounts

interfere with website functionality or security

transmit malicious code or harmful content

Southstar reserves the right to restrict or terminate access to its website or services for violations of these Terms.

9. Intellectual Property

All content on this website, including text, graphics, logos, branding, and software, is owned by or licensed to Southstar Financial Inc and is protected under applicable intellectual property laws.

You may not reproduce, distribute, modify, or exploit any content without prior written permission.

10. Communications and SMS Consent

By providing your phone number or email address, you consent to receive communications from Southstar Financial Inc regarding your application, financing account, transaction status, and other service-related notices.

If you opt in to SMS messages:

message frequency may vary

message and data rates may apply

you may opt out at any time by replying STOP

Consent to receive SMS communications is not a condition of approval.

11. Privacy

Your use of this website and services is subject to our Privacy Policy. By using our services, you consent to the collection and use of information as described in our Privacy Policy.

12. Third-Party Websites and Merchant Partners

This website may contain links to third-party websites, including merchant partner sites. Southstar does not control and is not responsible for the content, privacy practices, or services of third parties.

Any purchase made through a merchant is governed by the merchant’s policies. Southstar’s role is limited to financing the approved transaction.

13. Disclaimer of Warranties

This website and its content are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied.

Southstar disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free service.

14. Limitation of Liability

To the fullest extent permitted by law, Southstar Financial Inc shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of this website or services.

This includes, without limitation, damages resulting from errors, interruptions, delays, or unauthorized access to user information.

15. Indemnification

You agree to indemnify and hold harmless Southstar Financial Inc and its officers, employees, contractors, affiliates, and partners from any claims, damages, liabilities, costs, or expenses (including reasonable attorney fees) arising from:

your use of the website or services

your violation of these Terms

your violation of applicable laws or third-party rights

16. Regulatory Compliance

Southstar Financial Inc operates in accordance with applicable federal and state laws and consumer financing regulations. Southstar reserves the right to modify processes, eligibility criteria, or service availability to remain compliant with regulatory requirements.

17. Changes to These Terms

Southstar may update these Terms at any time without prior notice. Updates will be posted on this page with a revised effective date. Continued use of the website or services after updates constitutes acceptance of the revised Terms.

18. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the United States and the applicable laws of the state in which Southstar Financial Inc is headquartered, without regard to conflict of law principles.

19. Dispute Resolution

Any disputes arising from these Terms or the use of this website shall be resolved in accordance with applicable law. Where permitted, disputes may be subject to arbitration or venue provisions contained in the applicable financing agreement.

20. Contact Information

If you have questions about these Terms and Conditions, please contact:

Southstar Financial Inc

Customer Support Contact

For assistance with SMS messaging, financing updates, or account-related questions, you may contact Southstar Financial Inc at:

Email: [email protected]
Phone: +1 984-205-4866
Hours: Monday–Friday, 9:00 AM – 5:00 PM (EST)

Office: 230 Capcom Ave Suite 103 Wake Forest NC 27587

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