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Service Agreement Form
W-9
AFTS Account Change Form
Automatic Payments Free Service - for Buyers
Automatic Bank Deposit - for Sellers
Wire Transfer Instructions
Rental Service Agreement
Holdback Service Agreement
True Escrow Agreement


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Terms of Use
Check Processors, Inc
An AFTS Company

TERMS OF USE
Last Modified:  October 15, 2012

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Check Processors, Inc. (“CPI”) offers a number of services, including lockbox, document processing and payment processing. General information about these services is available on this website and does not require you to register. By using this website, you are agreeing to accept and comply with the terms and conditions of use as stated below.

Use restrictions; Copyright

This website is owned and operated by CPI. Unless otherwise specified, all materials on this website are the property of CPI and are protected to the maximum extent applicable by the copyright laws of the United States and throughout the world. You may use, view, print, and/or download the materials from this website solely for your personal, informational, or non-commercial use within your organization, provided you keep intact all copyright and other proprietary notices. No materials published by CPI on this website, in whole or in part, may be copied, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any form or by any means without prior written permission from CPI. The use of any such materials on any other website or networked computer environment or for any other purpose is strictly prohibited and such unauthorized use may violate copyright, trademark, and other similar laws.

Trademarks

The trademarks, service marks, and logos of CPI and others used in this website ("Trademarks") are the property of CPI and their respective owners. You have no right to use any such Trademarks, and nothing contained in this website or the Terms of Use grants any right to use any Trademarks without the prior written permission of CPI or the respective owner.

Links to Other Sites

We may provide links to websites of our affiliates or other third parties.  These linked sites are not under the control of CPI and CPI is not responsible for the content of any linked site or any link contained in a linked site. CPI may terminate any link at any time. CPI may provide links from this website to other sites as a convenience to you and in no way should this be interpreted as an endorsement of any company, content, or products to which it links. If you decide to access any of the third party sites linked to this website, you do this entirely at your own risk.

Disclaimer

CPI assumes no responsibility for accuracy, correctness, or content of the materials provided on this website. You should not assume that the materials on this website are continuously updated or otherwise contain current information. The materials provided at this website are provided "as is" and any warranty (express or implied), condition, or other term of any kind, including without limitation, any warranty of merchantability, fitness for a particular purpose, non-infringement, or title is hereby excluded.

Changes to these Terms of Use

Please note that these Terms of Use may change from time to time. We will not reduce your rights under these Terms of Use without your explicit consent. Regardless, we will post any Terms of Use changes on this page. Each version of these Terms of Use will be identified at the top of the page by its effective date.

Contact for Questions

If you have any questions about these Terms of Use, please feel free to contact us through our website or write to us at:

Check Processors, Inc.
1851 Heritage Lane Suite 181
Sacramento, CA 95815 
Info@checkprocessors.com

We Do The Work, You Receive The Benefits!

You’ve probably already heard the claims. That a bi-weekly mortgage can save you thousands of dollars. And that a bi-weekly mortgage can shave years off the life of your loan and help you accrue equity in your home fast.

Well, it’s true! Pardon the exclamation point. Anyways, “bi-weekly mortgage payments” are a sort of accelerated mortgage payoff system that allow you to make an extra monthly payment each year. The way it works is rather simple.

Instead of making one single monthly mortgage payment, or 12 mortgage payments a year, you make a mortgage payment every two weeks. And because there are 52 weeks in a year, that equates to 26 half mortgage payments a year, or 13 total monthly mortgage payments.

The result is an additional mortgage payment each year, but of course it’s not that simple. Nothing ever is. You can’t simply expectyour bank or mortgage company to allow you to mail in a half payment twice a month, that simply won’t fly.

Your lender will ask you to set-up a biweekly payment system with an intermediary, which acts as a liaison between you and your lender. That is where we come in we act as the intermediary for you.  We Do The Work, You Receive The Benefits!

So what are the benefits of a biweekly mortgage anyways?

• you can increase the amount of equity in your home at a quicker rate
• you can save money by paying less interest on your mortgage
• your mortgage payments are automated and made simple
• more frequent payments decrease the outstanding principal loan balance faster

Our Bi-weekly servicing division provides third-party handling of financial obligations on behalf of the client utilizing the Bi-weekly Accelerated Loan Servicing program. This allows for 26 debits per year, making for an additional payment per year, which benefits the client by reducing principal balance, saving money on interest assessed and reducing the life of the loan.

Our system handles your account with the latest computer technology and a staff of experts in funds transfer and accounting. This service is ideal for mortgage loans, car loans, personal loans or student loans -- any obligation involving a periodic payment.

Although a private note can be an excellent source of income, few noteholders have the experience or desire to oversee the monthly collection and reporting that is involved when servicing a Seller Financed Note. 

We handle all the details from collecting your monthly payments to depositing the funds into your checking or savings account.  With Installment Collections servicing your note, you avoid the bookkeeping, phone calls and aggravation associated with loan collection.

You are now free to travel and enjoy life knowing that your note is being professionally managed.  We utilize a sophisticated computer system to insure that all correspondence and reporting complies with Federal IRS and State Civil Code Requirements.

Check Processors, Inc.

1851 Heritage Lane Suite 181
Sacramento, CA 95815
Office: 800-691-7638
Fax: 800-313-0021
Info@checkprocessors.com

Automatic Funds Transfer Services, Inc. AFTS

151 S. Lander St. Suite C
Seattle, WA  98134
Toll Free:
Phone: (800) 275-2033
FAX: (888) 313-0021
Phone Pay/Inquiry: (877) 651-3864
Info@AFTS.com

FAQ

Check Processors Inc. is always seeking new talent to join our team.  If you are interested in learning more about potential career opportunities at CPI or AFTS, please read our openings listed below or email your career interests and resume to jobs@afts.com.

California Consumer Privacy Act (CCPA) Disclosure:

CPI DOES NOT COLLECT OR SELL PERSONAL INFORMATION OF CLIENT/CONSUMERS.

CPI DOES NOT RELEASE ANY CLIENT/CONSUMER INFORMATION TO OTHER ORGANIZATIONS.

This information includes the client data supplied by the client as well as other confidential information learned by CPI regarding the client's business. CPI collects only relevant information required to deliver the services requested by our clients. Data may only be retained for backup, audit, or other operational purposes. Data shall be destroyed or deleted when it is no longer needed for providing client services.

Exceptions to this policy:

• Required filings with the IRS.
• Required reporting to the USPS related to mailing services provided to our clients.
• Sub-contractors and consultants needed to perform services for clients.
• Court ordered requests for information.
• Other lawful requests from governmental agencies or regulatory authorities.
• Information specifically authorized for release by our clients for marketing samples, verification of mortgage, or other purposes.

CPI BUSINESS PARTNERS DO NOT COLLECT OR SELL PERSONAL INFORMATION OF CLIENT/CONSUMERS.

It may be necessary for CPI to share information with our Service Providers in order to deliver certain services requested by our clients. We carefully choose the companies who provide support services for CPI. CPI may disclose information to the following types of outside business partners:

• Sub-contract vendors that deliver services or products on your behalf (like forms/envelope printers and mailing service specialists).
• Overload, backup, and disaster recovery sub-contractors.
• Independent contractors, such as technical systems consultants.
• All Business Partners acting on your behalf are obligated to keep your information confidential and CCPA compliant.

If you have any questions relating to CPI Data Privacy Policy, please click the “Contact Us” link above.

CPI CUSTOMER INFORMATION SECURITY POLICY

CPI TAKES THE SECURITY AND CONFIDENTIALITY OF ALL DATA ENTRUSTED TO US VERY SERIOUSLY.

Sensitive Customer Information is regularly used by CPI in the delivery of products and services requested by our clients. We protect this information from unauthorized access using a combination of policies, procedures, and data systems to protect against foreseeable internal and external threats.
 
These policies have been communicated to all staff and will be followed at all times. Any losses of data or suspected unauthorized access will be communicated immediately to affected clients.

Employee Background Checks

• Credit checks on all prospective new hires.
• Criminal background review of all prospective new hires.

Limited Physical Access

• Combination door locks on computer server rooms, warehouse access doors, and lockbox payment processing areas.
• Numbered, “no duplication” keys issued to employees.
• Public entry is only available at a single staffed reception area and only during normal office hours.

Electronic Security

• User passwords required for login at all workstations. Workstations are logged off or locked when not in use.
• Group password access controlled by department.
• Hardware firewall systems at the single external access to the public internet.
• Software firewall systems at individual workstations.
• Virus protection on all workstations
• Spyware protection on all workstations
• Access logging of all authorized access (and unauthorized attempted access) to FTP sites.
• Encryption of data transmission to and from CPI systems as required by clients.
• Web access via SSL encryption (using Verisign).
• Individually encrypted files using unencrypted transmission modes.
• PGP encryption