By entering our site,, and any other website offered by us that references or links to these Terms of Use (collectively, the “Site”), you acknowledge your agreement with and understanding of the following Terms of Use pertaining to this Site, including all material on it. These Terms of Use become effective and binding when you enter our Site.

When we use the terms “you,” “your,” yours,” and other similar terms, we mean the individual using this Site. If you are using this Site for the direct or indirect benefit of another individual or enterprise, you represent and warrant to us that you have the authority to bind the other individual or enterprise to these Terms of Use and our Privacy Policy, which is linked on the Site.

By using the Site, you represent and warrant that you are at least 18 years old (or the age of majority in your state of residence, if higher), and that you are able to form legally binding contracts.

Uses of the Site and Content:

Regional Management Corp. (“Regional”) does not grant, by implication, estoppel, or otherwise, any license or right to use material on this Site, other than a limited, revocable, nonexclusive, and nontransferable right to access, view, store, bookmark, download, copy, and print pages from the Site for your personal and noncommercial use only, and you shall not make any other use of such material without Regional’s prior written permission. Without limiting the generality of the foregoing:

  • Unless you receive Regional’s written permission in advance, you may not exploit any of the content on this Site commercially, forward it as a mass distribution, or post it on another site.
  • If you link other websites to this Site, you may not imply or suggest that Regional has endorsed or is affiliated with such websites and you may not display this Site or any of its content as “framed” within another website.
  • You agree not to copy large portions of the Site by any means (including, by way of example, through use of bots, robots, or spiders that “harvest” the site), interfere with the functioning of the Site, or restrict or inhibit any others from using the Site.
  • If you download any information or materials from the Site, you agree that you will not remove or obscure any copyright, trademark, or other notices or legends contained in any such information or materials. You may not alter or modify the content in your copies.
  • You may not (and may not encourage others to) violate any law, regulation, rule, or the intellectual property, privacy, or contractual rights of others, and you may not use the Site for any purpose that is unlawful or prohibited by these Terms of Use.
  • You may not attempt to violate the security of this Site or use or gain access to the identities, information, or computers of others through this Site.
  • You may not transmit any malware, trojan, virus, worm, time bomb, or similar system interference or corruptant through this Site.
  • You may not modify, prepare derivative works based upon, distribute, relicense, lease, sell, resell, transfer, publicly display, publicly perform, transmit, stream, broadcast, or otherwise distribute to third parties the content or any other portion of the Site.
  • You may not decompile, disassemble, reverse engineer, or otherwise attempt to obtain or perceive the source code from the Site.
  • You may not copy, replicate, transcribe, or reproduce the “look and feel” of the Site or any of its features and functionalities.

Regional has the right (but not the obligation) to monitor this Site for any unauthorized or objectionable conduct and to take all appropriate actions in response, without notice to you. Regional reserves the right to change or supplement its policies as to prohibited uses at any time to the fullest extent permitted by applicable law.

Ownership and Intellectual Property:

As between you and Regional, we retain all right, title, and interest in and to the Site, including all material, content, images, and information contained on the Site, and any related intellectual property rights, including, without limitation, all copyrights, trademarks, patents, trade secrets, inventions, and know-how. Without limiting the foregoing, the trademarks, logos and service marks (“Marks”) shown on this Site are registered trademarks of Regional or other third party entities. Ownership of all such Marks and the goodwill associated therewith remains with Regional or those other entities. Except as expressly permitted by these Terms of Use, nothing on this Site shall be interpreted as granting any license or right to use any image, material, or Mark on this Site. Copying or downloading material from this Site does not transfer title to any material on this Site to you. Regional reserves all rights with respect to copyright and trademark ownership of all material at this Site, and will enforce such rights to the full extent of the law.

Any feedback, comments, ideas, information and/or reviews (“Feedback”) transmitted to this Site by you shall be deemed non-confidential, and Regional shall be free to use such Feedback on an unrestricted basis without additional compensation or notice to you. Except as specifically requested on the Site (e.g., via our “Information Request Form” link), users of this Site should refrain from using it to transmit personal or private information.

Third-Party Linked Sites:

This Site may provide links to certain Internet sites sponsored and maintained by third parties. Regional is providing such links solely as a convenience to you. Similarly, this Site may be accessed from third party links over which Regional has no control. Accordingly, Regional makes no representations concerning the content of any third party sites. The fact that Regional has provided a link to a site or a site has provided a link to this Site does not constitute an endorsement, authorization, sponsorship, or affiliation by Regional with respect to such sites, their respective owners, or their respective providers. Regional has not tested any information, software, or products found on any of third-party sites and, therefore, does not make any representations with respect thereto, including any representations regarding the content or sponsors of such sites, or the suitability or appropriateness of the products or transactions described therein. Regional encourages you to read the privacy policies and terms of use of the third party sites. Regional is not responsible for nor will it be liable to you or any third party for your interaction with such third parties.


In the course of accessing and/or using the Site, we may obtain personal information about you. Personal information we collect from you is subject to our Privacy Policy. Please review our Privacy Policy carefully to understand our privacy practices.

No Warranty; Limitation on Liability:

Your use of this Site is at your sole risk. The Site and the materials on this Site are provided “AS IS” without warranty of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, Regional disclaims all warranties, statutory, express, or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, non-interference, system integration, accuracy of data, availability, title, or non-infringement, as well as warranties implied from a course of performance or course of dealing or trade usage. Regional further assumes no responsibility for, and makes no warranties that, functions contained at this Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the server that makes it available will be free of malware, trojans, viruses, worms, time bombs, or other harmful components (“Harmful Components”). Regional shall not be liable for any damages from Harmful Components that may infect, or services, repairs, or corrections that must be performed on, your computer on account of your accessing this Site. Regional does not make any warranties or representations regarding the use of content or data provided on this Site or with respect to its completeness, accuracy, availability, adequacy, usefulness, timeliness, security, reliability, or otherwise. If you are dissatisfied with this Site, your sole remedy is to discontinue using this Site.

Under no circumstances, whether in contract or tort, including, but not limited to, negligence or otherwise, shall Regional be liable to you or any third party for any direct, indirect, punitive, exemplary, special, incidental, consequential, or other damages that result from the access or use of, or the inability to access or use, the materials on this Site or any site you access through a link from this Site, even if the damages were foreseeable or if Regional has been advised of the possibility of such damages (including, but not limited to, damages relating to loss of data, revenue, profits, use, or other economic advantage).

Because some jurisdictions do not allow certain limitations on warranties, or the exclusion or limitation of liability for consequential or incidental damages, the above disclaimer and limitations may not apply to you.


You agree to indemnify, defend and hold harmless Regional, its affiliates, and their respective officers, directors, employees, agents, suppliers, and third party service providers from and against all losses, expenses, damages, claims, liabilities, and costs, including reasonable attorneys' fees, resulting from any violation by you of these Terms of Use and any activity otherwise related to your use of the Site (including, without limitation, your negligent or wrongful conduct).

Forward Looking Statements:

This Site may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, which represent Regional’s expectations or beliefs concerning future events. Words such as “may,” “will,” “should,” “likely,” “anticipates,” “expects,” “intends,” “plans,” “projects,” “believes,” “estimates,” “outlook,” and similar expressions may be used to identify these forward-looking statements. Such forward-looking statements are about matters that are inherently subject to risks and uncertainties, many of which are outside of the control of Regional. Such risks and uncertainties include, without limitation, the risks set forth under “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in Regional’s most recent Annual Report on Form 10-K and in Regional’s other periodic filings with the SEC, which are accessible on the SEC’s website at Forward-looking statements speak only as of the date they were made, and Regional undertakes no obligation to update or revise such statements, except as required by the federal securities laws.

Notice to Residents of Countries Outside the United States:

Regional is headquartered in the United States. Information may be accessed by us or transferred to us in the United States or to our affiliates or third-party service providers elsewhere in the world. If you are located outside of the United States, be advised that any information you provide to us will be transferred to and stored in the United States and that, by submitting information to us, you explicitly authorize its transfer and storage within the United States.

Governing Law and Consent to Jurisdiction:

These Terms of Use and your use of this Site shall be governed by the laws of the United States of America and the State of South Carolina without regard to its conflicts of laws principles. Any legal action or proceeding related in any way to this Site or your use of this Site shall be brought exclusively in a federal or state court of competent jurisdiction sitting in South Carolina.

Integration and Severability; Waiver:

These Terms of Use, together with the Privacy Policy, and any other legal notices published by Regional on the Site, represent the entire agreement between Regional and the user relating to the subject matter herein. If, for any reason, a court of competent jurisdiction finds any provision in these Terms of Use to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms of Use, and the remainder shall continue in full force and effect. No waiver by Regional of any right under or term or provision of these Terms of Use will be deemed a waiver of any other right, term, or provision of these Terms of Use at that time or a waiver of that or any other right, term, or provision of these Terms of Use at any other time.

Changes to the Terms of Use:

We may, at any time, in our sole discretion, modify these Terms of Use and, unless otherwise indicated, such changes will be effective immediately upon posting and your entry of the Site; therefore, please check these Terms of Use frequently for changes. Your continued use of this Site following any changes to these Terms of Use shall be deemed acceptance of any such changes. Please print and retain a copy of these Terms of Use for your records.

Modification to the Site:

We reserve the right to modify the Site at any time without notice. We also reserve the right to discontinue the Site at any time. You acknowledge that the Site may, from time-to-time, be unavailable due to events like scheduled and unscheduled maintenance, system upgrades, internet outages, and other reasons, some of which are beyond our control.

Other Miscellaneous Terms:

No agency, partnership, joint venture, employee-employer, or franchisor-franchisee relationship is intended or created by these Terms of Use. The communications between you and us use electronic means, whether through the Site or via email. For contractual purposes, you (i) consent to receive communications from us in an electronic form; and (ii) agree that all terms and conditions, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if it were in a writing. These Terms of Use, and any rights and licenses granted hereunder, may not be delegated, transferred, or assigned by you, but may be assigned by Regional without restriction. Any purported delegation, transfer, or assignment by you shall be null and void.

If you have any questions or comments on these Terms of Use or on our Site, please contact us at

Last Updated: June 21, 2019