Website Terms of Use.

Modern Financial, a dba of Modern Asset Management Inc.

CA DFPI License #6054855  ·  NMLS #1880700

Last updated November 13, 2026

Acceptance of these terms

By accessing or using the Modern Financial website at ModernFinancial.com (the “Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site. These terms apply to the Site itself. If you apply for or enter into a retail installment contract, the signed contract and any related disclosures control those financing terms.

Who may use the Site

The Site is intended for use in the United States by people who are at least 18 years old, or the age of majority in their state if that is later. You agree to use the Site only for lawful purposes and in a way that does not interfere with others’ use of the Site or our systems.

No offer of credit; decisions are subject to approval

Nothing on the Site is an offer of credit, a commitment to finance, or a guarantee of approval or of any particular terms, rate, or amount. Financing, if offered, is subject to application, review, and approval, and to a signed retail installment contract. We provide same-day credit decisions for every applicant, and those decisions are often instant, but a decision is not an obligation to enter a contract until the required documents are completed.

Merchant enrollment requests submitted through the Site are requests for information. Submitting a form does not enroll a business or create a financing program until we follow up and complete that process.

Licenses and registrations

Modern Financial is a dba of Modern Asset Management Inc. We are licensed as CA DFPI License #6054855 and are registered as NMLS #1880700. You may verify our NMLS record through NMLS Consumer Access at the link above.

Use of the Site

You may view and use the Site to learn about our retail installment financing program, to contact us, to begin or continue an application through the links we provide, to request merchant enrollment, or to reach existing payment tools. You may not:

• Use the Site in a way that violates law or the rights of others;
• Attempt to gain unauthorized access to the Site, our systems, or other users’ information;
• Probe, scan, or overload the Site, or introduce malware or other harmful code;
• Scrape, harvest, or systematically collect content or applicant information except as we expressly allow;
• Misrepresent your identity or your authority to act for a business or another person; or
• Use the Site to send unsolicited promotional messages.

We may change, suspend, or discontinue any part of the Site at any time. We may also restrict or terminate access if we believe these terms have been violated or if needed to protect the Site, our customers, or our business.

Intellectual property

The Site and its content, including text, graphics, logos, and layout, are owned by Modern Financial, a dba of Modern Asset Management Inc., or are used with permission. You may view and print material from the Site for your personal or internal business use in connection with evaluating or using our program. You may not copy, modify, distribute, or create derivative works from the Site for commercial use without our prior written permission, except as allowed by law (including fair use). All trademarks and service marks on the Site are the property of their owners.

Third-party links and tools

The Site may link to other websites or tools, including our application portal, payment center, and NMLS Consumer Access. Those sites are operated by us or by third parties and may have their own terms and privacy practices. We are not responsible for third-party sites we do not control. Following a link is at your option.

Electronic communications

If you provide an email address or phone number through the Site, or contact us by email or phone, you agree that we may communicate with you electronically or by phone about your inquiry, application, account, or merchant-enrollment request, including to complete a transaction you have requested. You may also receive information about our products or services. You may opt out of promotional emails by using the instructions in those messages or by contacting us. Opting out of promotional messages does not stop communications that are needed to service an inquiry, application, or account.

You agree that electronic notices, including those posted on the Site or sent to the email address you give us, may satisfy any writing requirement, to the extent permitted by law.

Privacy

Our collection and use of personal information is described in our Privacy Policy. California residents should also read our California Consumer Privacy Act Notice.

Notices about disputed debts

Communications about a disputed debt, including any check or other payment instrument marked “paid in full” or with similar words, should be sent to:

Modern Financial, a dba of Modern Asset Management Inc.
170 S Green Valley Parkway, Suite 300, Henderson, NV 89012

This is the mailing address our Henderson, Nevada office uses for those notices. If you have a signed retail installment contract, please also follow any notice instructions in that contract.

Disclaimers

The Site is provided “as is” and “as available.” We work to keep information on the Site accurate and current, but we do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that all content is complete or up to date. To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.

Summaries of installment-contract terms on the Site, including on our Terms & Disclosures page, are provided for information. The signed contract controls if anything on the Site differs from it.

Limitation of liability

To the extent permitted by law, Modern Financial, a dba of Modern Asset Management Inc., and its officers, employees, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, arising out of or related to your use of the Site. Our total liability arising out of or related to your use of the Site is limited to the amount you paid us, if any, to access the Site in the twelve months before the claim, or one hundred dollars ($100), whichever is greater. This limit does not apply to liability that cannot be limited under applicable law, including any liability that cannot be waived for our own willful misconduct or, where the law so requires, gross negligence. These limits apply to claims in contract, tort, or otherwise, even if we have been advised of the possibility of such damages.

Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless Modern Financial, a dba of Modern Asset Management Inc., and its officers, employees, and agents from claims, losses, and reasonable expenses (including reasonable attorneys’ fees) arising out of your misuse of the Site, your violation of these terms, or your violation of another person’s rights, except to the extent caused by our own misconduct.

Governing law

These Terms of Use are governed by the laws of the State of Nevada, without regard to conflict-of-law rules that would apply a different law. To the extent a court action relating to these Terms of Use is permitted, you and we agree to the exclusive jurisdiction of the state or federal courts located in Clark County, Nevada, except that we may seek injunctive or similar relief in any court of competent jurisdiction to protect the Site or our intellectual property.

If you have a signed retail installment contract, disputes about that contract are governed by the contract, not by this paragraph alone.

Changes to these terms

We may update these Terms of Use from time to time. The “Last updated” date at the top of this page will change when we do. The updated terms apply to your use of the Site after they are posted. If you continue to use the Site after a change, you accept the revised terms. If you do not agree, you should stop using the Site.

Contact

Questions about these Terms of Use or the Site may be sent to:

Modern Financial, a dba of Modern Asset Management Inc.
170 S Green Valley Parkway, Suite 300, Henderson, NV 89012
Phone: (949) 207-9323
Hours: Mon–Fri, 9am–5pm PST
Email: contact@modernfinancial.com

For more about our financing program, see Terms & Disclosures, Privacy Policy, and California Consumer Privacy Act Notice.