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Terms & Conditions

Effective Date: September 30, 2026

PLEASE READ THESE TERMS & CONDITIONS CAREFULLY.

These Terms & Conditions ("Terms") govern your access to and use of the A1 Check Cashers website, mobile application, customer portals, check-verification services, and other digital services that link to these Terms (collectively, the "Services").

By accessing or using the Services, you acknowledge that you have read and agree to these Terms. If you do not agree to these Terms, please do not use the Services.

Certain financial products and services may be subject to separate applications, disclosures, agreements, receipts, fee schedules, provider terms, privacy notices, or other conditions ("Additional Terms"). If Additional Terms applicable to a particular product or transaction conflict with these general Terms, the Additional Terms will control with respect to that product or transaction.

1. About A1 Check Cashers

A1 Check Cashers provides financial and convenience services that may include:

  • Check cashing

  • Check verification

  • Money transfers

  • Money orders

  • Bill payment services

  • Prepaid card services

  • Loan-related services

  • Other financial and convenience services

Services, eligibility requirements, fees, transaction limits, providers, and availability may vary by location.

Some products and services may be provided, issued, processed, funded, or otherwise supported by independent third-party financial-service providers.

2. Eligibility

You may use our Services only for lawful purposes and in accordance with these Terms.

You agree to provide truthful, accurate, current, and complete information when using our Services.

Certain services may require valid government-issued identification, verification of identity, verification of financial or transaction information, or additional documentation.

You are responsible for ensuring that you are legally permitted to enter into any transaction you request.

3. Financial Transactions and Additional Terms

These Terms govern the use of our general website and digital Services.

Individual financial transactions may be governed by separate agreements and disclosures.

Nothing in these Terms replaces or modifies any transaction-specific contract, loan agreement, credit-services agreement, fee disclosure, privacy notice, receipt, money-transfer agreement, prepaid-card agreement, provider agreement, or legally required consumer disclosure.

Where transaction-specific terms conflict with these Terms, the transaction-specific terms will control for that transaction.

4. Check Cashing

A1 Check Cashers may require verification of a check, the check maker, customer identity, endorsement, account information, supporting documentation, or other transaction information before completing a check-cashing transaction.

Submission or presentation of a check does not guarantee acceptance.

A1 Check Cashers may decline, delay, or request additional information concerning a transaction where permitted by applicable law.

Applicable fees and transaction conditions may vary based on the check, amount, location, transaction, or other applicable factors.

5. Online Check Verification and Pre-Verification

Our website, mobile application, or customer portal may allow customers to submit check information, photographs, or supporting documentation before visiting a store.

Submitting a check for online review does not constitute final acceptance or a guarantee that the check will be cashed.

Even when a check receives an online preliminary approval or verification status, final processing may require presentation of the original check, valid identification, customer identity verification, check-maker verification, additional documents or information, and final review at an A1 Check Cashers location.

A preliminary digital decision may be changed where new information, verification results, suspected fraud, legal requirements, or other material circumstances arise.

6. Identification and Verification

To protect our customers, prevent fraud, and comply with applicable requirements, we may request information necessary to verify identity or a transaction.

Depending on the service, this may include government-issued identification, photographs, check information, transaction information, contact information, or supporting documentation.

Providing requested information does not guarantee that a transaction will be approved or completed.

7. Fraudulent, Altered, or Unauthorized Transactions

You may not knowingly submit or use forged or altered checks or documents, stolen financial instruments, fraudulent identification, false customer information, documents you are not authorized to use, or transactions intended to deceive A1 Check Cashers or another party.

We may take reasonable steps to investigate suspected fraudulent or unauthorized activity and may restrict access to our Services where appropriate.

Information may be preserved or disclosed where required or permitted by applicable law.

8. Fees, Rates, and Transaction Limits

Fees, rates, transaction limits, and other financial terms may vary depending on the service, provider, location, transaction amount, or applicable legal requirements.

Where required, applicable financial terms will be provided through transaction-specific disclosures, agreements, receipts, or other notices.

Information appearing generally on our website should not be interpreted as replacing transaction-specific pricing or legally required disclosures.

9. Loans and Credit-Related Services

Loan and credit-related products are subject to separate eligibility requirements, applications, agreements, disclosures, rates, fees, repayment terms, and applicable federal, state, and local requirements.

Submitting an application does not guarantee approval.

Where A1 Check Cashers assists a customer in obtaining credit from an independent third-party lender, the lender and A1 Check Cashers may have different roles in the transaction, and separate agreements may apply.

The terms provided with a particular credit transaction control over these general website Terms with respect to that transaction.

10. Money Transfers

Money-transfer services may be provided through third-party providers and may be subject to the provider's separate terms and conditions.

Identification requirements, fees, transaction limits, availability, processing, cancellation rights, refund rights, and other conditions may depend upon the provider and transaction.

Customers should review the applicable provider disclosures before completing a transfer.

11. Money Orders

Money-order services may be issued or processed through third-party providers.

Separate provider rules may apply to purchase, replacement, refund, cancellation, loss, theft, or claims involving a money order.

12. Bill Payment Services

Bill-payment services may depend upon participating billers, payment processors, and other third parties.

Processing times may vary.

Customers are responsible for providing accurate account and payment information and allowing sufficient time for a payment to be processed.

13. Prepaid Cards

Prepaid-card products may be issued and administered by third-party financial institutions or program managers.

Cardholder agreements, fees, limits, dispute procedures, and other terms supplied with the applicable prepaid-card product govern use of that product.

14. Third-Party Financial Services

A1 Check Cashers may make third-party products or services available to customers.

The applicable third party may establish its own eligibility requirements, transaction rules, disclosures, privacy practices, fees, warranties, and terms.

Customers should review those terms before completing the applicable transaction.

15. Accounts and Registration

Certain Services may require creation of an account.

You agree to provide accurate and current information and are responsible for protecting your login credentials.

You are responsible for activity conducted through your account unless otherwise provided by applicable law.

16. Documents and Information You Submit

You represent that information and documents you submit through our Services are accurate to the best of your knowledge and that you are authorized to provide them.

Uploaded information may be used for purposes described in our Privacy Policy and as reasonably necessary to process transactions, verify information, prevent fraud, maintain records, provide customer support, secure our systems, or comply with applicable requirements.

17. SMS Text Messaging and Electronic Communications

Subscriber Privacy

Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.

SMS Consent and Account Notifications.

By opting in to text messages, you are agreeing to receive SMS text messages for account notifications from A1 Check Cashing D/B/A A1 Lending Group LLC. Message and data rates may apply. Message frequency will vary. To opt-out at any time, reply STOP to any message we send, or HELP for more information.

If you have any questions, you may contact us at ‎+1 (325) 271-4122 or Email: iotp6065@gmail.com.

Where applicable, other electronic communications concerning your account, requested Services, transactions, or legally required notices may also be provided electronically in accordance with applicable law and any consent provided by you.

18. Mobile Application

Certain Services may be available through the A1 Check Cashers mobile application.

Your wireless carrier may impose data, messaging, or other charges.

Some application features may require access to device functions such as camera, photo library, files and documents, notifications, or device location.

Permissions may generally be managed through your device settings.

19. Apple App Store

If you obtain the A1 Check Cashers application through Apple's App Store, you acknowledge that these Terms are between you and A1 Check Cashers and not Apple.

A1 Check Cashers, rather than Apple, is responsible for the application and its content, subject to applicable law and applicable App Store requirements.

Your use of the application must also comply with applicable App Store usage rules.

20. Privacy

Our collection, use, disclosure, retention, and protection of personal information is addressed in our Privacy Policy and any additional financial privacy notices that may apply.

Please review the applicable privacy notices before providing personal or financial information.

Nothing in these Terms replaces any privacy notice required in connection with a particular financial product or transaction.

21. Location Information

With your permission, our Services may use device location information to identify nearby A1 Check Cashers locations, determine service availability, support security or fraud-prevention functions, provide location-based functionality, or improve applicable features of the Services.

Location permissions can generally be managed through your browser or device settings

22. Prohibited Uses

You may not use the Services for unlawful or fraudulent purposes, impersonate another person, provide intentionally false information, submit fraudulent, altered, stolen, or unauthorized documents, attempt unauthorized access, circumvent security or verification controls, upload malicious software or code, scrape or extract information through unauthorized automated means, interfere with the Services, use another person's account without authorization, or violate applicable laws or regulations.

23. Intellectual Property

The A1 Check Cashers name, branding, website design, application, graphics, text, logos, software, and other proprietary materials are owned by or licensed to A1 Check Cashers and may be protected by applicable intellectual-property laws.

You are granted a limited, non-exclusive, non-transferable, revocable right to access our digital Services for their intended lawful purposes.

Nothing in these Terms transfers ownership of A1 Check Cashers intellectual property to you.

You may not reproduce, distribute, modify, sell, commercially exploit, or otherwise use protected A1 Check Cashers materials without authorization except as permitted by applicable law.

24. Third-Party Websites and Content

Our Services may link to websites, applications, products, or services operated by third parties.

A1 Check Cashers does not control the independent content, availability, security, terms, or privacy practices of third-party services.

Your interactions with a third party may be governed by your agreement with that third party.

Customers should review applicable third-party terms and privacy policies before using those services.

25. Accuracy of Website Information

We attempt to keep information on our website current and accurate.

However, service descriptions, store hours, availability, fees, features, locations, and other information may change.

Transaction-specific disclosures and agreements provided at the time of a transaction control where they differ from general informational content on the website.

26. Service Availability

We do not guarantee that our website, mobile application, portals, or other digital Services will always be uninterrupted or error-free.

We may maintain, modify, suspend, or discontinue features where reasonably necessary.

Availability may also be affected by internet providers, third-party providers, technical failures, maintenance, emergencies, governmental actions, or other circumstances outside our reasonable control.

27. Suspension and Termination

We may suspend or restrict access to digital Services where reasonably necessary because of suspected fraud, misuse, security concerns, violation of these Terms, legal or regulatory requirements, or risks to A1 Check Cashers, its customers, or third parties.

Provisions that by their nature should continue following termination will survive termination

28. Territorial Availability

A1 Check Cashers Services are offered only in jurisdictions where the applicable service is available and lawfully offered.

The availability of information through our website or application does not mean every product or service is available to every customer or in every location.

Customers are responsible for complying with applicable laws concerning their use of the Services.

29. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR GENERAL DIGITAL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

WE DO NOT GUARANTEE THAT THE WEBSITE, MOBILE APPLICATION, OR OTHER DIGITAL SERVICES WILL ALWAYS BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS.

NOTHING IN THIS SECTION DISCLAIMS WARRANTIES, CUSTOMER RIGHTS, OR OBLIGATIONS THAT CANNOT LAWFULLY BE DISCLAIMED.

30. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, A1 CHECK CASHERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING SOLELY FROM USE OF OR INABILITY TO USE ITS GENERAL WEBSITE OR DIGITAL SERVICES.

THIS PROVISION DOES NOT EXCLUDE OR LIMIT LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED.

Transaction-specific agreements may contain additional provisions applicable to a particular financial product or service.

31. Indemnification

To the extent permitted by applicable law, you agree to be responsible for losses, claims, or expenses resulting from your unlawful use of the Services, intentional violation of these Terms, fraud, or infringement of another person's rights.

Nothing in this provision limits rights or protections that cannot lawfully be waived.

32. Changes to the Services or These Terms

We may modify our digital Services or update these Terms from time to time to reflect changes to our Services, operations, technologies, legal requirements, regulatory requirements, or business practices.

Updated Terms will be posted with a revised Effective Date.

Where applicable law requires additional notice or consent for a change, we will provide it as required.

33. Governing Law

These Terms are governed by applicable federal law and the laws of the State of Texas, without regard to conflict-of-law principles, except where another law is required to apply.

Financial products and transactions may also be governed by additional federal, Texas, local, or transaction-specific requirements.

34. Dispute Resolution

Questions or disputes concerning a particular financial transaction should first be handled according to the dispute, error-resolution, complaint, or other procedures contained in the applicable transaction agreement or disclosure.

Nothing in these general Terms modifies dispute-resolution rights or procedures established by a separate financial-services agreement or by applicable law.

Any arbitration agreement, jury-trial waiver, class-action waiver, venue selection, or similar dispute-resolution provision separately applicable to a particular financial product or service will be governed by the applicable agreement.

35. Severability

If any provision of these Terms is determined to be unlawful or unenforceable, that provision will be enforced to the extent permitted by law or severed where necessary without affecting the validity or enforceability of the remaining provisions.

36. No Waiver

Failure by A1 Check Cashers to enforce a provision of these Terms does not constitute a waiver of that provision or the right to enforce it later.

37. Force Majeure

To the extent permitted by applicable law, A1 Check Cashers will not be responsible for delays or failures involving its general digital Services resulting from circumstances outside its reasonable control, including natural disasters, governmental actions, telecommunications failures, utility outages, internet interruptions, labor disruptions, emergencies, or failures of independent service providers.

38. Entire Agreement and Additional Financial Agreements

These Terms constitute the general agreement concerning use of the A1 Check Cashers website and digital Services.

They do not replace any separate financial-services contract, loan or credit agreement, credit-services agreement, privacy notice, required consumer disclosure, receipt, fee disclosure, prepaid-card/cardholder agreement, money-transfer agreement, money-order agreement, third-party provider agreement, or other transaction-specific terms.

Any applicable transaction-specific agreement will govern the applicable financial transaction as provided in that agreement.

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