Terms of Service

Effective Date: September 7, 2026

Welcome to RepoForms.com (“RepoForms,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of RepoForms.com and your purchase and use of documents, templates, policies, procedures, forms, compliance materials, and related services offered through the website (collectively, the “Services”).

By accessing RepoForms.com, submitting information through the website, placing an order, or purchasing or using any RepoForms product or document, you agree to these Terms. If you do not agree with these Terms, do not use the website or purchase or use our Services.

1. Description of Our Services

RepoForms provides document templates, policies, procedures, forms, manuals, and related compliance-oriented materials intended primarily for businesses operating within the collateral recovery and repossession industry.

Certain products may be customized using information supplied by the purchaser. Customization may include agency names, contact information, business information, operational information, or other information provided by the purchaser.

RepoForms is a document provider. RepoForms is not a law firm and does not provide legal services or legal advice.

Our documents are intended to provide a starting point or documentation framework that an agency may review, modify, implement, and maintain according to its own circumstances and applicable requirements.

2. No Legal Advice

RepoForms does not provide legal advice.

Nothing contained on RepoForms.com, in any document sold or provided by RepoForms, in any communication from RepoForms, or in any customization of a RepoForms document constitutes legal advice, legal representation, or a legal opinion.

The purchase, receipt, customization, possession, or use of a RepoForms document does not establish an attorney-client relationship between RepoForms and the purchaser or any other person or organization.

You are solely responsible for determining whether a particular document, policy, procedure, or practice is appropriate for your business and complies with laws, regulations, contractual obligations, licensing requirements, client requirements, and other requirements applicable to your operations.

We strongly recommend consulting qualified legal counsel regarding your specific circumstances.

3. No Guarantee of Compliance

The purchase or use of any RepoForms product does not guarantee that your business is legally or contractually compliant.

RepoForms does not represent or warrant that any document will:

Satisfy every federal, state, county, municipal, or local law or regulation;
Satisfy every licensing or regulatory requirement;
Satisfy the requirements of a particular lender, creditor, forwarder, client, insurer, auditor, or other third party;
Satisfy the requirements of a particular contract;
Be sufficient for a particular business operation or circumstance;
Prevent a complaint, investigation, audit, lawsuit, regulatory action, claim, loss, penalty, or other legal consequence; or
Remain compliant with applicable requirements after the date of purchase.

Compliance requirements vary according to jurisdiction, business structure, operations, contractual relationships, technology, personnel, and other circumstances.

The purchaser remains solely responsible for determining which requirements apply to its business and for implementing and maintaining appropriate policies and procedures.

4. Changes in Laws and Requirements

Laws, regulations, court decisions, regulatory interpretations, licensing requirements, contractual requirements, client requirements, and industry practices may change at any time.

A document that is appropriate when purchased may require modification as circumstances or requirements change.

Unless a specific product or service expressly states otherwise, RepoForms does not provide ongoing legal or regulatory monitoring and has no continuing obligation to notify purchasers of changes occurring after purchase.

Purchasers are responsible for periodically reviewing their policies and procedures and obtaining appropriate professional advice when necessary.

5. Document Customization

When customization is included with a product, RepoForms may use information supplied by the purchaser to prepare or modify documents.

Customization is a document-preparation service and does not constitute legal review, legal advice, legal research, or a determination that the resulting document complies with any particular law, regulation, contract, client requirement, or other obligation.

The purchaser is responsible for reviewing all customized documents before implementing or distributing them.

RepoForms is not responsible for errors, omissions, inaccuracies, or inappropriate information resulting from incomplete, inaccurate, outdated, or incorrectly supplied information.

6. Purchaser Responsibilities

The purchaser agrees to:

Provide accurate and complete information when placing an order or submitting customization information;
Review all documents received from RepoForms before using them;
Determine whether the documents are appropriate for the purchaser’s particular business and circumstances;
Modify documents when necessary to reflect actual business practices;
Implement, administer, and maintain its own policies and procedures;
Train employees and other personnel as appropriate;
Monitor applicable legal, regulatory, contractual, and client requirements;
Obtain legal or other professional advice when appropriate; and
Avoid representing to any third party that RepoForms has certified, approved, audited, or legally verified the purchaser’s compliance.

7. Accuracy of Information Provided by the Purchaser

RepoForms relies upon information supplied by the purchaser when preparing customized materials.

RepoForms is not responsible for inaccuracies or deficiencies caused by information that the purchaser:

Provides incorrectly;
Fails to provide;
Provides incompletely;
Fails to update; or
Provides without sufficient context.

The purchaser should carefully review all customized documents before implementation.

8. Intellectual Property

Unless otherwise stated, all content appearing on RepoForms.com, including text, graphics, logos, website design, original documents, templates, product descriptions, and other materials created or provided by RepoForms, is owned by or licensed to RepoForms and is protected by applicable intellectual-property laws.

Purchase of a RepoForms product grants the purchaser a limited, non-exclusive, non-transferable license to use the purchased materials for the purchaser’s own business operations.

Unless RepoForms provides written permission, purchased materials may not be:

Resold;
Redistributed;
Published publicly;
Uploaded to a public website or document repository;
Shared with unrelated third parties;
Offered as templates for sale or distribution;
Used to create a competing document product; or
Reproduced or distributed commercially for the benefit of another organization.

A purchaser may provide documents to its own employees, officers, managers, attorneys, consultants, or other professional advisors when reasonably necessary for the purchaser’s business operations.

9. Prohibited Use

You agree not to use RepoForms.com or its Services to:

Violate applicable law;
Infringe the rights of another person or organization;
Gain unauthorized access to the website or its systems;
Interfere with the operation or security of the website;
Copy or reproduce RepoForms materials for resale or unauthorized distribution;
Misrepresent the source, authorship, certification, or legal status of RepoForms materials; or
Use RepoForms materials in a manner that violates these Terms.

10. Pricing and Orders

Prices displayed on RepoForms.com are subject to change without notice.

An order is not considered accepted until RepoForms has received and processed the order.

RepoForms reserves the right to refuse, cancel, or limit an order when circumstances warrant, including suspected fraud, unauthorized use, pricing errors, technical errors, or other legitimate business reasons.

If RepoForms cancels an order after payment has been received, the purchaser will be entitled to a refund of the amount actually paid for the canceled order, subject to any applicable provisions of the Refund Policy.

11. Delivery of Customized Documents

Where a product includes customized documents, the purchaser may be required to provide information necessary to prepare those documents.

Estimated delivery times are provided in the applicable product description and begin after RepoForms has received the information reasonably necessary to prepare the order.

Delivery times are estimates and are not guarantees.

RepoForms is not responsible for delays caused by incomplete purchaser information, failure to respond to requests for information, technical problems outside our reasonable control, payment issues, or other circumstances beyond our reasonable control.

12. Refunds and Cancellations

Refunds, cancellations, and returns are governed by RepoForms’ Refund and Return Policy as published on the website.

Because certain RepoForms products involve customized or specially prepared materials, cancellation and refund rights may differ from those applicable to ordinary physical products.

Purchasers should review the Refund and Return Policy before placing an order.

13. Third-Party Requirements

RepoForms documents may address commonly encountered compliance subjects within the collateral recovery industry. However, a lender, creditor, forwarder, insurer, client, vendor, auditor, regulator, or other third party may impose requirements that differ from or exceed those addressed in a RepoForms document.

The purchaser is solely responsible for determining and satisfying applicable third-party requirements.

RepoForms does not represent that its documents satisfy the requirements of any particular third party unless expressly stated in writing for a specific product or service.

14. Third-Party Websites and Information

RepoForms.com may contain links to third-party websites or references to third-party information.

RepoForms does not control and is not responsible for the content, availability, accuracy, security, privacy practices, or policies of third-party websites.

A link or reference does not constitute an endorsement or guarantee by RepoForms.

15. Disclaimer of Warranties

To the fullest extent permitted by applicable law, RepoForms.com and its Services are provided on an “as is” and “as available” basis.

RepoForms makes no express or implied warranties regarding the website, documents, templates, or Services, including warranties of:

Merchantability;
Fitness for a particular purpose;
Accuracy;
Completeness;
Non-infringement;
Availability; or
Suitability for a particular business, jurisdiction, transaction, or purpose.

RepoForms does not warrant that the website or Services will be uninterrupted, error-free, secure, or continuously available.

16. Limitation of Liability

To the fullest extent permitted by applicable law, RepoForms and its owners, officers, employees, contractors, affiliates, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:

Use of or inability to use the website;
Purchase or use of RepoForms documents;
Reliance upon a document or template;
Failure of a document to satisfy a legal, regulatory, contractual, client, or other requirement;
Legal claims, regulatory actions, audits, investigations, penalties, fines, losses, or expenses;
Errors or omissions in information supplied by the purchaser; or
Changes in law, regulation, contractual requirements, or industry practices.

To the fullest extent permitted by applicable law, the maximum aggregate liability of RepoForms arising from any claim relating to a purchase or Service will not exceed the amount actually paid by the purchaser to RepoForms for the specific product or Service giving rise to the claim.

Some jurisdictions do not permit certain limitations of liability. In those jurisdictions, liability will be limited to the maximum extent permitted by applicable law.

17. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless RepoForms and its owners, officers, employees, contractors, affiliates, and service providers from claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or related to:

Your use of the website or Services;
Your use or implementation of RepoForms documents;
Your violation of these Terms;
Your violation of applicable law or third-party rights; or
Information or materials you provide to RepoForms.

18. Electronic Communications

By using RepoForms.com or placing an order, you consent to receiving electronic communications from RepoForms concerning your order, account, transactions, customer service inquiries, and other matters relating to the Services.

Electronic communications satisfy any legal requirement that such communications be in writing to the extent permitted by applicable law.

19. Privacy

Information collected through RepoForms.com is handled in accordance with the RepoForms Privacy Policy.

By using the website or purchasing Services, you acknowledge that you have reviewed the Privacy Policy.

20. Changes to These Terms

RepoForms may modify these Terms from time to time.

Updated Terms will be posted on RepoForms.com with a revised effective date.

Your continued use of the website or purchase or use of Services after revised Terms are posted constitutes acceptance of the updated Terms to the extent permitted by applicable law.

21. Termination or Suspension

RepoForms reserves the right to suspend or terminate access to the website or Services if we reasonably believe that a user has violated these Terms, engaged in fraudulent activity, abused the website, or otherwise used the Services in an unauthorized manner.

Termination does not affect provisions of these Terms that by their nature should survive termination, including intellectual-property provisions, disclaimers, limitations of liability, indemnification, and applicable dispute provisions.

22. Governing Law

These Terms will be governed by and interpreted in accordance with the laws of the state identified as the governing jurisdiction by RepoForms, without regard to conflict-of-law principles, except where applicable law requires otherwise.

[ATTORNEY TO CONFIRM GOVERNING STATE AND VENUE BEFORE PUBLICATION]

23. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.

24. Entire Agreement

These Terms, together with the applicable Privacy Policy, Refund and Return Policy, and any other policies expressly incorporated into these Terms, constitute the agreement between you and RepoForms concerning your use of the website and Services.

If a specific written agreement between RepoForms and a purchaser conflicts with these Terms, the specific written agreement will control with respect to the subject matter of that agreement.

25. Contact

Questions regarding these Terms or RepoForms Services may be directed to:

RepoForms.com
Orders@RepoForms.com

RepoForms.com
Documents for the Collateral Recovery Industry