You are our customer and have one or more motor vehicle retail installment sale, promissory note, or lease contracts with us (in the Online Policies and Agreements, each an "Account," collectively, your "Accounts") and are registered or registering for online account services on the Website. Your online access to your Account and the online Account services we offer on our Website are referred to in the Online Policies and Agreements as your "Online Account Services."

1. Communications Consent. We, our affiliates, agents, business partners, and service providers or any assignees of the foregoing (individually and collectively, as applicable in this Communications Consent section, "we" or "our") may call you, leave you a voice, prerecorded, or artificial voice message or send you a text including SMS text, Email or other electronic message for any purpose related to your Accounts, our products and services, or surveys or research (each a “Communication"). We may include your personally identifiable information in a Communication and conduct a Communication using an automated dialing machine and any contact information we have for you, including a cell phone number. We will not charge you for a Communication, but your service provider may do so. You understand and agree that we may always communicate with you in any manner permissible by law that does not require your consent.

2. Online Billing Statements. Images of your Account billing statements are available on our Website as part of your Online Account Services. Each time we issue a billing statement on your Account, we will add an online statement to the billing statements available to you in the Statements section of the Website until the Website contains 13 statements for your Account. Thereafter, the Statements section of the Website will contain a rolling history of the 13 most recent billing statements on your Account.

A current billing statement on our Website should reflect our records as of the close of business on the Statement Closing Date. A current billing statement on our Website will not reflect debits or credits posted to your Account after the Statement Closing Date for that billing statement. Any balance or payment information for your Account, assumes all payments posted to your Account are valid postings made with good funds.

One or more billing statements for your Account may not be available on our Website for among other reasons: you have prepaid your Account, or you entered into your Account in Puerto Rico. If you are a customer of Toyota Credit de Puerto Rico Corp., periodic billing statements are not available on your Account or as part of your Online Account Services.

3. Suppression of Paper Billing Statements. Upon registration of your Account on our Website, we will automatically suppress paper billing statements on your Account unless you elect to receive paper billing statements. In addition, we may automatically suppress your paper billing statements after notice to you unless, after your receipt of our notice and within the timeframe provided in the notice, you elect, by the response method provided in our notice, to receive paper billing statements. In the absence of such an election by you, you agree that your acceptance of these Online Policies and Agreements constitutes your consent to suppression of paper billing statements and your agreement to review your billing statements and accompanying disclosures, notices, and other materials on our Website. If paper billing statements are suppressed on your Account, images of your billing statements will be available on our Website as part of your Online Account Services, you will no longer receive your billing statements by mail, and you will review each online billing statement and all disclosures, notices, and other materials accompanying your online billing statements, promptly upon delivery to our Website as part of your Online Account Services. Even if your paper billing statements are suppressed, from time to time, we may mail you a paper billing statement if required by law, if you delete your Account from your Online Account Services, or if we otherwise determine in our sole discretion to mail you a paper billing statement. If paper billing statements are suppressed on your Account, you may reactivate paper billing statements at any time. Suppression or reactivation of paper billing statements may take up to two (2) billing cycles to take effect.

Any customer on the Account who is registered for Online Account Services may elect to suppress or reactivate paper billing statements for the Account, and each customer who makes such an election is responsible for notifying all other customers on the account of the election. The customer making the election to suppress paper billing statements is responsible for providing copies of the online billing statements and accompanying disclosures, notices, and other materials to all other customers on the account or ensuring that all other customers on the account register on our website to access online billing statements.

We may terminate suppression of paper billing statements on your Account at any time and for any reason, including, without limitation, if you violate the terms of your Account, your Online Account Services or the Website, you revoke your agreement to the Online Policies and Agreements or Consent to Electronic Communications and Agreements or either you or we otherwise terminate your Online Account Services in whole or in part. Suppression of billing statements is not available for customers of Toyota Credit de Puerto Rico Corp.

4. Multifactor Authentication (MFA). To access your Account information on the Website, we may require you to verify your identity through a process called Multifactor Authentication (MFA). MFA is an authentication method used to help prevent unauthorized access to your Account by relying on two or more independent credentials to verify your identity. For instance, you may be asked to click on a verification link or enter your password and a verification code. A verification code is a one-time use code that we send to you by email, text, or phone call (“Verification Code”). When we send a Verification Code or link, it is a Communication as otherwise defined in this Agreement. For additional security, you may choose to receive a Verification Code at each login. Adding a Verification Code at login can make accessing your Account more secure by providing an extra layer of protection to your username and password. You may choose to add this two-step verification process as an additional layer of security to prevent unauthorized access to your Account. Although this two-step verification process is optional, the Website may still require a Verification Code at login, in certain instances, including: 1) when the risk profile is high, based on your typical login and usage profile, and/or 2) you have indicated that you are sharing your device with others. When we send you a code or link, anyone with access to your email or phone may be able to log into your Account, view your account information, and change your settings.

5. Mobile Access. The Online Policies and Agreements apply when you access the Website using your mobile phone, smartphone, or other mobile device (each a "Mobile Device"). We will not charge you to access the Website using a Mobile Device or to receive an Email or phone call or text including SMS text Communications from us. However, your Mobile Device access service provider may charge you access rates and fees. To access the Website using your Mobile Device, the Website must support your Mobile Device as described in the Consent to Electronic Communications and Agreements.

6. Marketing Preferences. You may designate preferences for how you would like us to market to you. If you designate marketing preferences, we will endeavor to market to you consistently with those preferences; provided, however, from time to time, we may market to you in a manner other than as designated by your preferences as permitted by law and the Online Policies and Agreements.

7. Marketing Offers on Website. While you are on the Website, we may deliver product or service offers to you based on your activity on the Website, and after you login to the Website, based in part on your account history or other experience with us, our affiliates, or business partners.

8. Access to Your Account Information on Third Party Websites and Mobile Device Applications. We may offer dealers, our affiliates, or business partners the ability to give you secure access to your Account information on their respective websites and mobile device applications ("Third Party Site Access"). Your use of such Third Party Site Access will be optional. The Online Policies and Agreements apply when you elect to use Third Party Site Access. Third Party Site Access does not involve us sharing your Account information with our dealers, affiliates, or business partners.

9. Privacy Choices for Personal Family or Household Purpose Accounts. If your Account is for personal, family, or household purposes, you will have privacy choices regarding the use and sharing of your customer information. You may change those privacy choices within the Online Account Services section of the Website to limit our ability to share. Any change that you make to those privacy choices within the Online Account Services section of the Website may take up to seventy-two (72) hours to take effect.

Please refer to the customer privacy policy and any accompanying cover letter we deliver to you for a full explanation of the privacy choices applicable to you. You receive a customer privacy policy from us when you first become our customer and at least once a year thereafter.

10. Online Availability of your Customer Privacy Policy and other Important Disclosures. After login to your Online Account Services, you may be able to view certain important policies and disclosures for each Account you have added to your Online Account Services. The types of policies and disclosures available for viewing on any of your Accounts added to your Online Account Services will depend on the status of your Account and whether your Account was opened for personal, family or household purposes or business purposes. If you have added an Account to your Online Account Services that is for personal, family or household purposes, you will be able to view your current customer privacy policy for that Account.

11. Your Choice to Receive your Customer Privacy and Other Important Disclosures in only Electronic Form. You may choose to receive certain important policies and disclosures only in electronic form for each Account you have added to your Online Account Services. The types of policies and disclosures that you may choose to receive only in electronic form will depend on the status of your Account and whether your Account was opened for personal, family or household purposes or business purposes. If you have added an Account to your Online Account Services that is for personal, family or household purposes, you will be able to choose to receive your current customer privacy policy for that Account only in electronic form.

When you make a choice to receive a policy or disclosure only in electronic form, an image of that policy or disclosure will be available to you after login to your Online Account Services and except in limited circumstances, we will stop mailing that policy or disclosure to you. Even if you have chosen to receive a policy or disclosure only in electronic form, we may mail that policy or disclosure to you if we are required to by law, another person on your Account prefers to receive that policy or disclosure in paper form, you delete the Account from your Online Account Services or if we otherwise determine in our sole discretion to send that policy or disclosure to you in paper form.

We may send you emails to your Account Management email address related to the choices you make to receive policies and disclosures in only electronic form including without limitation, confirmations regarding your choices and the availability or delivery of those policies and disclosures to you in electronic form. If your Account Management email address changes or becomes disabled, you will notify us immediately by updating your Account Management email address on the Website. We may send these emails to you whether or not the address you choose includes a designation for delivery to the attention of a particular person and whether or not anyone other than you is able to access and/or read emails sent to the address. We cannot ensure that emails will be received including without limitation if third party services fail to transmit emails.

We may terminate your choice to receive a policy or disclosure only in electronic form at any time and for any reason, including without limitation, if you violate the terms of your Account, your Online account Services or the Website, you revoke your agreement to the Online Policies and Agreements or Consent to Electronic Communications and Agreements, or either you or we otherwise terminate your Online Account Services in whole or in part.

This section regarding Your Choice to Receive your Customer Privacy Policy and Other Important Disclosures in only Electronic Form does not apply to your billing statements. Please refer to the Suppression of Paper Billing Statements section for information about receipt of your billing statements in only electronic form.

12. Account Access Across Digital Channels. You may view or access your Accounts on any of our Websites or Mobile Device applications (our "Digital Channels"). If you add or remove an Account to or from one of our Digital Channels, that Account will also be added or removed to or from our other Digital Channels.

13. Viewing your Account History. You may view the transaction history for your Account in all of our Digital Channels (the "Account History"). The Account History for an Account will reflect all debits and credits posted to your Account (each a "Transaction"). It can take up to three (3) business days from the date a Transaction is posted to your Account for that Transaction to appear in your Account History.

14. Emails and Texts regarding your Online Account Services. Emails and texts we send you regarding your Account or Online Account Services or otherwise related to the products and services we offer may not be encrypted.

Certain Email and text including SMS text notifications are available to you depending on your Online Account Services. If available on our Website, you may request us to send you certain optional Email or text including SMS text notifications. We will send you other mandatory Email notifications automatically, when applicable, such as Emails or texts to verify your identity through MFA. If available on our Website, you may also request us to send mandatory notifications by text including SMS text. We cannot ensure that Emails and text messages will be received including without limitation if third party services fail to transmit Emails and text messages.

We may send you an email that contains a link to our affiliate or business partner website. A digital tracking code may be embedded in that link. When you click the link, it allows us to track your online movement and activity while on our affiliate or business partner website.

15. Financial Services Payment Service (the "Payment Service") Terms and Conditions.
a. General Description of Payment Service Features. The Payment Service is a service available to our customers who register for Online Account Services. Except as otherwise explained in these Payment Service Terms and Conditions, you may use the Payment Service to authorize one-time payment or Recurring Payment (defined below in subsection (g) herein) to be electronically debited from the bank account you designate and applied to one or more of your accounts.

b. Copies of Documents. During the period we retain documentation for your Account, you may request a copy of these Payment Service Terms and Conditions or any authorization to make a recurring or one-time payment by calling us at 1-800-874-8822 (TFS in the domestic United States), 1-800-874-7050 (LFS in the domestic United States), 1-866-693-2332 (MFS in the domestic United States), 1-833-277-3701 (BPSFS in the domestic United States), or 1-800-469-5214 (Toyota Credit de Puerto Rico Corp.). We will provide the copies to you free of charge. You may print any page from the Payment Service or print or download any electronic notice or communication we send to you in our secure Website Support Center if you satisfy the hardware, software and other requirements described in the Consent to Electronic Communications and Agreements.

c. Choosing  the Payment Amount and Payment Post Date of Payments Scheduled Using the Payment Service. You may authorize a payment in any amount up to the amount of your payoff estimate, including an amount that is more or less than the total monthly payment due under your Account; Each account holder may authorize payment arrangements using the Payment Service.

You may designate a payment posting date, including, and beyond the payment due date for the next monthly payment due on your account. However, if you enter a payment post date after our cut off hour of 5 p.m. Central Time, we may change the payment post date of our payment to the date of our next business day (defined below in subsection (g) herein). We will notify you if the date you designate is past the due date of the next monthly payment due on your Account.

Regardless of the payment amount or payment post date you schedule using the Payment Service, you are responsible for complying with all of the terms and conditions of your Account, including, without limitation, your agreement to make all payments when due and in the amount required by your Account. Therefore, we recommend that when using the Payment Service, you schedule your payments in amounts and with payment post dates that will satisfy your payment obligations under your Account. If you do not make any payment when due and in the amount required by your Account, regardless of whether that payment is made using the Payment Service or any other payment method, we will have the rights and remedies available under your Account or otherwise available at law or in equity.  Additionally, if the term (number of payments owed) or payment amounts due on your Account changes, it is your responsibility to adjust scheduled payments accordingly.

d. Authority to Add a Bank Account to the Payment Service. To use the Payment Service to authorize electronic payments to your Account, you may use the Add Bank feature of the Payment Service. You may use the Add a Bank Account feature to link a bank account to your Online Account Services to make a payment on your Account, your bank account will automatically be added to your Online Account Services to make payments on your Account using the Website and on our other Digital Channels. When you add a bank account to your Account, your bank account will automatically be added to your Account to make payments on our other Digital Channels for your Account and any other Account associated with your Online Account Services or Username. When you add a bank account and schedule electronic payment(s) on your Account from that bank account, you authorize us to debit (take) electronic payment(s) from that bank account as scheduled and confirm that you are authorized to initiate payments from that bank account. 

e. Prepayment of your Account; Principal Only Payment.

(i) Prepayment. You understand and agree that if you schedule a payment using the Payment Service, that payment will be processed even if your Account is prepaid at the time of processing or the payment results in a prepayment of your Account. You may contact our customer service by calling us at 1-800-874-8822 (TFS in the domestic United States), 1-800-874-7050 (LFS in the domestic United States), 1-866-693-2332 (MFS in the domestic United States), 1-833-277-3701 (BPSFS in the domestic United States), or 1-800-469-5214 (Toyota Credit de Puerto Rico Corp.) if you have any questions about the prepayment status of your Account. 

(ii) Principal Only Payment. You understand that you can make a payment that reduces your unpaid principal balance only and is not applied toward your current or future payment, by making a principal-only payment using the Payment Service. When you elect to make a principal only payment, the payment will reduce your unpaid principal balance only and will not be applied toward past due amounts or payments that are currently due or will become due in the future. Daily interest continues to accrue on your unpaid principal balance. You remain responsible for making timely payments as they become due. You can make a principal only payment via any of our automated systems every 24 hours. Additional principal only payments may be made with an agent by contacting our customer service at the applicable telephone number referenced herein.

f. Insufficient Funds. Funds must be available in the linked bank account when a Payment Service electronic payment is processed against that bank account. If a scheduled Payment Service payment fails because the linked bank account contains insufficient funds to satisfy the entire amount of your scheduled payment, you are not relieved of your responsibility to timely pay any amount then due in accordance with the terms and conditions of your Account.

g. Recurring Payment. You may set a recurring payment (“Recurring Payment”) by selecting a fixed payment amount and a payment frequency. For the fixed payment amount, the Payment Service provides two options: you may elect either Current Regularly Scheduled Payment Monthly Amount or Other Fixed Custom Amount.

If you elect Other Fixed Amount, you need to enter a specific amount in the Payment Service. If the amount you enter is less than the total amount due in your monthly billing statement, you are responsible for the timely payment of the remaining amount. Also, if the maturity date or monthly due date changes, regardless of reason, it is your responsibility to adjust the payment amounts and pull dated on the Payment Service. 

The Current Regularly Scheduled Payment Amount, provided for your convenience and disclosed in the Payment Service, refers to the then regularly scheduled payment due under your contract with us at the time you set up the Recurring Payment and does not include any additional amounts that may accrue in the future or any amounts, other than the regularly schedule payment, that may be due at the time you schedule the Recurring Payment, such as past due amounts and fees. If your regularly monthly scheduled payment amount changes, after you scheduled the Recurring Payments, for example if your monthly lease payment increases or decreases, regardless of reason, the Current Regularly Scheduled Payment Amount will not change unless you change the Recurring Payment amount to reflect the new regularly scheduled payment amount. Similarly, if additional amounts post to your Account, such as, but not limited to, late fees, tolls, and parking tickets, as applicable, they will not be debited with the Current Regularly Scheduled Payment, and you remain responsible for their timely payment. Also, if the maturity date or monthly due date changes, regardless of reason, it is your responsibility to adjust the payment amounts and pull dated on the Payment Service.

Recuring Payments may be scheduled on the following frequencies, depending on whether you elect Current Regularly Scheduled Payment Amount Monthly Amount or Custom Other Fixed Amount:

• Weekly – the payment will be pulled on the same day of the week each week, unless the day falls on a non-business day, in which case it will be pulled on the following business day. This frequency is only available for Custom Other Fixed Amount.
• Bi-Weekly – the payment will be pulled on the same day of the week every other week, unless the day falls on a non-business day, in which case it will be pulled on the following business day. This frequency is only available for Custom Other Fixed Amount.
• Monthly – payments will be pulled on the same day of the month each month, unless the day falls on a non-business day, in which case it will be pulled on the following business day. This frequency is available for both Current Regularly Scheduled Payment Amount and Other Fixed Amount.

Continue making your regularly scheduled payments until you receive notice that Recurring Payments have been set up and the date on which the first payment will be pulled. If your next due date is prior to the date your first Recurring Payment is scheduled to be pulled you remain responsible for timely making the payment.

Business day means any day except any Saturday, any Sunday, or any day which is a legal holiday or any day on which banking institutions are authorized or required by law or other governmental action to close.

Please print or otherwise retain a copy of the authorization and save for your records. By signing up for Recuring Payment, you warrant and represent that you have printed or otherwise retained a copy of this authorization for your records. We reserve the right to cancel your participation in the Payment Services or any part thereof, including cancelling any outstanding Recurring Payment at any time, by providing you notice, or if your bank fails, regardless of reason, to honor a payment request.

h. Termination or Revocation of the Payment Services by You; Skip a Recurring Payment. You may terminate or revoke the Payment Service by clicking on designated links on the Statements and Payments pages of the Payment Service as appropriate and as more particularly described below. Termination or revocation of the Payment Service on one of our Digital Channels is effective on all of our Digital Channels. The Skip Next Payment Occurrence function allows you to skip a previously scheduled Recurring Payment. The skipped payment will be not be processed and your Recurring  Payment schedule will resume with the next payment scheduled. This action does not relieve you of your payment obligations. You remain responsible for payments as they become due. Daily interest continues to accrue on your Account’s unpaid principal balance.

(i) Termination of the Payment Services; Cancel Scheduled Payment. To terminate the Payment Services, click on the De-enroll link located in the Pay Online section of the Payments page. De-enrolling may not cancel any payments you have scheduled using the Payment Service. You must follow the Cancel Scheduled Payment process to cancel a payment made using the Payment Service; provided, however, the Payment Service payments that are in process cannot be cancelled using the Payment Service or other direction to us.

(ii) Revocation of One-Time Payment. To revoke or cancel a one-time payment, click on the Cancel link located next to that payment on the Payments page.

(iii) Revocation of Series of Recurring Payments. To terminate a series of recurring payments, click on the remove link located next to that payment in the RecurringPayment section of the Payments page.

(iv) Revocation of One of a Series of Recurring Payments. To terminate one of a series of Recurring Payments, click on the Cancel link located next to that payment when that payment appears in the Scheduled Online Payments section of the Payments page.

(v) Pending  Payments. You are not permitted to and the Payment Service  will not permit you to affect, change, revoke or terminate a one-time payment or one in a series of recurring payments if that payment is in process. This means, among other things, that if you or we terminate the Payment Service or you revoke a series of recurring payments, that revocation or termination will not revoke or terminate any payment that is in process and the Payment Service will otherwise prohibit you from revoking any one-time payment, while that payment is pending. A payment is in process on the payment post date of the payment.

(vi) Contact your Bank. You also may have the legal right to revoke electronic payments by contacting the bank where you hold the linked bank account. Contact your bank to determine the information your bank needs to process your revocation and the time your bank needs to process any revocation.

i. Payment History. You may view up to two (2) years of payments you have made using the Payment Service on the Payment History page of this Website.j. Fees for use of the Payment Service. Right now, we will not charge you any monthly or payment transaction fees to use the Payment Service or to receive Email or text including SMS text notifications regarding Payment Service transactions. We will notify you if we decide to impose any fees for use of the Payment Service in the future.  Nothing in this paragraph relieves you of your responsibility to pay any amount, fee or charge you may owe us under your Account. Also, you will be responsible for paying any amount you may owe other persons or companies related to the use of the Payment Service, any bank account linked to the Payment Service or to receive Email or text including SMS text notifications regarding Payment Service transactions. For example, a bank may charge a fee in connection with electronic payments debited to (taken from) a bank account you have linked to your Account in the Payment Service or your Mobile Device service provider may charge you for receipt of Email or text including SMS text notifications regarding Payment Service transactions.

k. Account Management Email Address and Mobile Device Numbers. When we send you emails related to the Payment Service, we will send those e-mails to the email address you identify in your registration records for Online Account Services (your "Account Management Email Address"). If your Account Management Email Address or a Mobile Device number you designate for receipt of Payment Service notifications changes or becomes disabled, you will notify us immediately by updating your Email address or Mobile Device number on the My Profile section and updating your Mobile Device number in the Payment section of the Website. If you update your Account Management Email Address or Mobile Device number on the My Profile section or update your Mobile Device number in the Payments section of the Website, that change will take effect within 24 hours. You understand and agree we may send emails to your Account Management Email Address or send texts including SMS texts to your Mobile Device number whether or not that address or Mobile Device number includes a designation for delivery to the attention of any particular person and whether or not anyone other than you is able to access and/or read emails sent to your Account Management Email Address or texts including SMS texts sent to your Mobile Device number.

l. Email and Text Notifications. Certain Email and text including SMS text notifications are available to you as a Payment Service user. If available on the Website, you may request us to send you certain optional Email or text including SMS text notifications. We will send you other mandatory Email notifications automatically, when applicable, including without limitation when a payment you scheduled using the Payment Service fails due to insufficient funds or other reason. If available on our Website, you may also request us to send mandatory notifications by text including SMS text. You may designate your Email and text Preferences on our Website.

We cannot ensure that Emails and text messages will be received including without limitation if third party services fail to transmit Emails and text messages.

16. Prohibited Conduct. You will not use your Online Account Services or the Payment Service feature thereof to: (a) conduct any fraudulent or illegal activity; (b) violate any statute, regulation or other legal authority; (b) violate our patent, trademark, service mark, copyright or other intellectual property rights or those of any other person or company; (c) violate our other property or privacy rights or those of any other person or company; (d) interfere with or obtain unauthorized access to our computer systems or those of any other person or company; (e) impersonate our identity or that of any other person or company.

17. Accuracy of Information. You represent and agree that all information you provide to us in connection with your Account or your Online Account Services and the Payment Service feature thereof is true, correct and complete. You agree not to misrepresent (lie about) your identity or your authority to view billing statements and other Account information or to schedule an electronic payment using Payment Service.

18. Due Date Change Requests. You may request a change to the due date for the monthly payment required by your lease agreement or finance contract. A due date change cannot be processed if your account is past due, if you have a lease that is near maturity, or if you have not made the first payment required by your lease agreement or finance contract. If you are leasing your vehicle and your current due date is within 17 days of your request, your request will be considered for the following month. You may request to change the due date by a total of no more than 29 days during your lease agreement or finance contract. You may not submit more than one due date change request at a time for the same account. Your due date change is not effective until TMCC has received your completed and signed Due Date Change Agreement, along with any required payment, and has notified you that your request has been approved and processed. You must make your required payment by the current due date until you have received notice from TMCC that your new due date is effective. All terms of your Due Date Change Agreement will apply.

19. Protection your Personally Identifiable Information. You will keep secret your Online Account Services Username and Password (your "Username and Password"), your security questions and answers (your "Security Questions"), and your Verification Code (as described in the Online Policies and Agreements), and protect against unauthorized access to Communications that we may send to you that could be used in combination with your Password to access your Account. You will tell us immediately if you believe there has been an unauthorized use of your Username and Password, your Security Questions, your Verification Code, your Account or Online Account Services or the Payment Service feature thereof. Please tell us by calling us at 1-800-874-8822 (TFS in the domestic United States), 1-800-874-7050 (LFS in the domestic United States), 1-866-693-2332 (MFS in the domestic United States), 1-833-277-3701 (BPSFS in the domestic United States), or 1-800-469-5214 (Toyota Credit de Puerto Rico Corp.). We will not be responsible for any loss or damage you may suffer as a result of someone using your Username, Password, Security Questions, or Verification Codes, whether with or without your permission or knowledge. If you give your Username, Password, Security Questions, or Verification Code to someone else, or allow someone else to access your Mobile Device, or allow someone else to use your Account or your Online Account Services or the Payment Service feature thereof, you will be responsible for all actions taken by that person, including, without limitation, the scheduling of any payments or the updating or removal of any payments scheduled on your Account, even if that person exceeds your permission.

20. Stoppage of Account Services Features and Changes to Account Services Agreement. The Online Account Services Agreement cannot be changed and we do not give up any of our rights under the Online Account Services Agreement unless we agree in writing, you accept the change on the Website or you continue using your Online Account Services following notice to you of any changes. We may stop offering any Online Account Services feature or change the Online Account Services Agreement or any feature of your Online Account Services at any time. A change may take the form of an addition or deletion. We will notify you of any change to the Online Account Services Agreement or any Online Account Services feature or our intent to stop offering an Online Account Services feature. We will notify you by one or more of the following means at our sole discretion: we will prompt you to accept by clicking as a condition to your continued use of the Website and/or your Online Account Services; we will send notice of the change or stoppage to the mailing address for your Account or your Account Management Email address; and/or we will post a notice of the change or stoppage on our Website for a period of 30 calendar days. If you use your Online Account Services after the effective date of a change or stoppage or you click to accept the change or stoppage, you indicate your agreement to the change or stoppage.

21. Termination of your Online Account Services. We may terminate or suspend your use of any or all of your Online Account Services including the Payment Service at any time with or without reason and without notice to you. If you close your Account, including as a result of your payoff of your Account or the expiration of the term of your lease, your Online Account Services and Payment Services will remain available to you on all of our Digital Chanels for up to three (3) years.  Your bank account information you provided as part of the Payment Services will remain available to you on all of our Digital Chanels so long as your Online Account Services remain active.  If you wish to terminate your Online Account Services.

22. Other Agreements You Have with Us. The Online Account Services Agreement will not change any of the terms and conditions of your Account. If the Online Account Services Agreement contradicts any of the terms of your Account, the terms of your Account control.

23. Indemnification. You agree to indemnify and hold us and our agents, officers, employees, affiliates, and business partners harmless from any and all claims, liabilities, damages, costs and expenses (including, without limits, reasonable attorneys' fees and costs) caused directly or indirectly by or arising directly or indirectly out of your use of your Account or your Online Account Services, including Payment Service, or your violation of the Online Policies and Agreements. When you agree to indemnify and hold another person or company harmless, you agree to protect, defend and pay for certain amounts. You will not be responsible for indemnifying us or holding us harmless from any claims, liabilities, damages, costs or expenses caused solely by or solely arising out of the gross negligence or intentional misconduct of us, our agents, officers, employees, affiliates, or business partners.

24. DISCLAIMER OF WARRANTIES. WE DISCLAIM ALL WARRANTIES OF ANY KIND REGARDING YOUR ONLINE ACCOUNT SERVICES AND THE PAYMENT SERVICE FEATURE THEREOF AND THE INFORMATION PROVIDED OR TO BE PROVIDED THROUGH THOSE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO GUARANTY OR PROMISE THAT YOUR ONLINE ACCOUNT SERVICES OR THE PAYMENT SERVICE FEATURE THEREOF WILL BE UNINTERRUPTED, ON TIME, SECURE OR WITHOUT MISTAKE OR ERROR.

25. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR: ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES CAUSED DIRECTLY OR INDIRECTLY BY OR ARISING DIRECTLY OR INDIRECTLY OUT OF THE FOLLOWING EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES (a) THE USE OF YOUR ONLINE ACCOUNT SERVICES OR THE PAYMENT SERVICE FEATURE THEREOF; (b) THE FAILURE, INTERRUPTION OR AVAILABILITY OF YOUR ONLINE ACCOUNT SERVICES OR THE PAYMENT SERVICE FEATURE THEROF; (c) THE TIMELINESS, ACCURACY, COMPLETENESS, MISDELIVERY OR THE FAILURE IN DELIVERY OF ANY SERVICES OR INFORMATION, INCLUDING E-MAILS, AVAILABLE OR TO BE MADE AVAILABLE OR DELIVERED THROUGH OR AS A PART OF YOUR ONLINE ACCOUNT SERVICES OR THE PAYMENT SERVICE FEATURE THEREOF; (d) THE UNAUTHORIZED ACCESS TO OR ALTERATION OF ANY INFORMATION, NOTICES OR OTHER COMMUNICATIONS OF OR RELATED TO YOUR ONLINE ACCOUNT SERVICES OR THE PAYMENT SERVICE FEATURE THEREOF; (e) ANY OTHER MATTER RELATED TO YOUR ONLINE ACCOUNT SERVICES OR THE PAYMENT SERVICE FEATURE THEREOF. 

26. Enforceability. If any part of the Online Account Services Agreement or the Consent to Electronic Communications and Agreements is not valid, then to the extent possible, that part will be interpreted according to the intent of you and us and the other parts of the Online Account Services Agreement and the Consent to Electronic Communications and Agreements will remain valid. IF YOUR STATE OF RESIDENCE DOES NOT PERMIT A LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DISCLAIMERS OF CERTAIN WARRANTIES AS DESCRIBED IN THE ONLINE ACCOUNT SERVICES AGREEMENT, THEN ALL OR A PORTION OF THOSE SECTIONS MAY NOT APPLY TO YOU.

27. Contact us. You may contact us by phone at following numbers: 1-800-874-8822 (Toyota Financial Services), 1-800-874-7050 (Lexus Financial Services), 1-866-693-2332 (Mazda Financial Services),1-833-277-3701 (BPSFS in the domestic United States), 1-800-228-8559 (Toyota Motor Insurance Services, Inc.) or 1-800-469-5214 (Toyota Credit de Puerto Rico Corp.).