Viora Pay LLC — Financing Agreement
Version: 1.0
Last Updated: 8/11/2025
Effective Date: The date/time the Client accepts this Agreement (or e-signs, if using e-signature).
1) Parties & Purpose
This Financing Agreement (“Agreement”) is between Viora Pay LLC (“Financing Provider,” “we,” “us,” “our”) and the undersigned Client (“you,” “your”). You are purchasing services from Collins Capital Inc. under a separate Service Agreement. We do not provide services; we finance your purchase and manage/oversee payments and enforcement.
2) Roles
● Servicer / Payment Agent: Collins Capital Inc. (or any successor we appoint) is authorized to service this Agreement, including billing, payment collection, account management, communications, and enforcement. Payment made to the Servicer is deemed payment to Viora Pay. You acknowledge card/bank statements may display “Collins Capital Inc.” (or an approved DBA).
3) ESIGN Consent & Electronic Delivery
You consent to electronic records and signatures. You may request paper copies or withdraw consent by contacting support; withdrawal may delay or prevent financing.
4) Credit Authorization & Reporting
You authorize us (and our Servicer/assignees) to obtain consumer reports (soft/hard pulls, as applicable) now and during servicing/collections, and to furnish information about your performance (including delinquencies/defaults) to one or more credit bureaus, as permitted by law.
5) Financing Terms
● Total Program Price: $3,800
● Down Payment: $1,267 (paid at checkout; applied to Total Program Price)
● Amount Financed: $2,533
● APR / Finance Charge: 12%
● Number of Payments: 3
● Payment Frequency: Monthly • Installment Amount: $895
● Late Fee: $35 or 5% after 5 days past due (where permitted)
● Returned/NSF Fee: $25 (where permitted)
● Prepayment: Allowed anytime without penalty; interest (if any) accrues only to payoff date.
6) Payment Authorization (Cards/ACH)
You authorize the Servicer/Payment Agent (Collins Capital Inc.) to debit your card/bank for all amounts due per the schedule and for any accelerated balance upon default, including by preauthorized recurring debits. You agree to maintain a valid payment method and consent to network updater services where available.
7) No Offset; Independence from Service Disputes
Your obligations to pay here are independent of any dispute with the Service Provider. You may not withhold, reduce, or offset payments for any reason, including dissatisfaction or discontinuation of services.
8) Default & Remedies
You are in default if (i) you fail to pay any amount when due beyond any stated grace period; (ii) you fail to maintain a valid payment method; (iii) you breach this Agreement or the Service Agreement; or (iv) you make a material misrepresentation. Upon default, we or our Servicer may (as permitted by law): a) Accelerate the entire unpaid balance so it becomes immediately due; b) Assess applicable late/NSF fees and any specified default interest; c) Suspend or instruct the Service Provider to suspend services; d) Report delinquencies/defaults to credit bureaus; e) Place with collections and/or pursue legal action; and f) Recover reasonable costs of collection, including agency fees, court costs, and attorneys’ fees.
9) Assignment & Change of Servicer
We may assign this Agreement and/or change the Servicer/Payment Agent at any time without your consent. Notice will be provided. Your obligations continue in full force after any assignment or servicing transfer.
10) No Refunds
All payments are non-refundable except where required by law or expressly agreed in writing by us and the Service Provider.
11) Communications & Notices
You consent to contact by us or our Servicer at the contact details you provide (phone/SMS/email) regarding this account. Carrier rates may apply.
12) Governing Law & Venue
Delaware law governs. Exclusive venue is the state or federal courts located in Kent County, Delaware.
13) Severability; Entire Agreement
If any provision is unenforceable, the remainder remains in effect. This Agreement is the entire understanding regarding your financing and supersedes prior understandings.
Client Acceptance (Clickwrap or E-Sign):
By checking the box (or electronically signing), you agree to all terms above and authorize recurring charges per the schedule.
Viora Pay LLC – Authorized Representative