Terms of Use

Terms of Use:

Welcome to Gateway Financial Solutions (GFS) website.  The terms “Company”, “we” or “us” refer to GFS, the terms “you” and “your” refer to the consumer who has been extended credit by GFS. We provide the Company website www.gatewayfinancial.org, as a service to you. By using the Website provided by GFS, you agree to these Terms of Use.  Please read these Terms of Use carefully before you start to use this website. Please print/or retain this information electronically for future reference.

Acceptance of the Terms of Use:

The following terms and conditions, together with any documents they reference (collectively, these “Terms of Use”), govern your access to and use of, including any content, functionality and services offered on or through the Website.

By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use this Website. This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent that you are of legal age to form a binding contract. If you do not meet all of these requirements, you must not access or use the Website.

In connection with your transaction, GFS may acquire information about you as described in this notice, which we handle as stated in this notice. We may collect personally identifiable information such as name, postal address, telephone number, e-mail address, social security number, date of birth, etc This personal information is collected and used by Gateway Financial Solutions staff for the purpose of servicing a relationship or business transaction.

It is a condition of your use of the Website that all the information you provide is correct, current and complete and you agree to maintain and update your information of changes, if any, as soon as possible. You agree that all information provided on this website or otherwise is governed by our Privacy Policy.

By entering your phone number on our website, you agree to receive text offers and alerts from GFS. Text message charges or other charges may be charged by your wireless carrier for these offers and alerts. You may opt out of the GFS text message service at any time by texting “STOP” to our short code from your mobile phone. We will unsubscribe you from our text messaging service immediately.

By entering your email address on our website, you agree to receive email communication from GFS. E-Mail services may be used to provide you with important messages, customer service content, to provide you with information you have requested, information about our company, products or services, or to provide you with special notices. You are responsible for internet access to receive emails as described in Accessing the Website and security below. You may opt out of email communication at any time by emailing gfscontactus.org and request no further email communication.

All information we collect on this website is subject to our Privacy Policy, available on this website. By using this website, you agree to both the Terms of Use and our Privacy Policy.

Accessing the Website and Security:

You are responsible to provide your own access to the internet and pay any service, communication, use, access and/or connection fees associated with general internet access.

Our website resides behind a firewall and uses SSL (Secure Sockets Layer, the industry-standard security protocol used to communicate with browsers) to transmit personal information. Data is strongly encrypted during transmission to ensure that personal and payment information is secure. Industry-standard data encryption techniques are used to protect personal information on our servers. SSL-capable browsers typically have a symbol on the browser window to indicate when they are in a secure mode. In addition, the URL will begin with “https:” for all browsers.

If you choose, or are provided with, a user name, password or any other piece of information as part of our procedures, you must treat such information as confidential. You must not disclose it to any other person or entity. You also acknowledge that your account, if any, is personal to you and agree not to provide any other person with access to portions of this website that require your log in information such as your user name, password or other security information. You agree to notify us immediately at gfscontctus.org of any unauthorized access to or use of your information, user name or password or any other breach of security. You also agree to ensure that you logout from your account, if any, at the end of each session. You should use particular caution when accessing your account, if any, from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user account, user name, password or other identifier, whether chosen by you or provided by us, at any time if, in our opinion, you have violated any provision of these Terms of Use.


You will not pay any service fees or charges to view this website. If you use the payment portal to process certain types of payment transactions, we or a third-party vendor may charge a payment convenience/processing fee, which will be specified. Payments made on your account before 8:00 PM EST will post to your account the same day. Payments made after 8:00 PM will be posted to your account the following day. Any scheduled payment transaction can be cancelled 24 hours prior to the payment date by call a GFS representative at 989-790-5161 between 8:00 AM and 8:00 PM EST Monday – Friday or between 9:00 AM and 2:00 PM EST Saturday.


Modification of Website:

We reserve the right to amend this website and any service or material on the website without notice. We may change the content or any feature of the website at any time and without notice. We reserve the right to change, improve or correct information, material and descriptions on this website and to suspend access for maintenance, upgrades, improvements and/or corrections. GFS will not be liable for any period of time that the website in whole or in part may be unavailable.


Changes to the Terms of Use:

We reserve the right to update these Terms of Use at our sole discretion. Any revisions will be posted, at a minimum of ten days prior to the effective date. By continuing to use the website after the date of any change to the Terms of Use, you agree to be bound by the most recent version of the Terms of Use. You should check this page periodically so you are aware of any changes. If you find the Terms of Use unacceptable for any reason, you may discontinue the use of the website.

Use of Cookies:

We may use a browser feature known as a “cookie.” Cookies are small files placed on your hard drive that assist us in providing you with a customized browsing experience. We use cookies to provide you with the convenience of not having to reenter information, such as user IDs and passwords, multiple times during your visits to this web site. Cookies can also be utilized to help us provide you with information targeted to your interests, based upon your prior browsing on this web site. The “help” section of the toolbar on most browsers will inform you on how to prevent your browser from accepting new cookies, how to have the browser notify you upon the receipt of a new cookie, or how to disable the use of cookies completely. As this web site has been designed to take advantage of the use of cookies, should you configure your browser to decline their use, certain features of this web site may not function correctly and you may be required to renter any user IDs and passwords more frequently.

Linked Sites:

This website may contain links to third-party sites not controlled by GFS or covered by this Terms of Use, such as those belonging to a third-party payment vendor (i.e. Money Gram, Western Union). We recommend that you check the Terms of Use of other sites you visit before providing any personal information on those other sites.


You understand that we cannot guarantee that files available for download from the internet or any website will be free of viruses or destructive code. You are responsible for implementing procedures and protocols to protect the accuracy of data input and output, including anti-virus protection. Use of this website, it’s content and services is at your own risk. Any services provided through this website are provided “as is” and “as available” without any warranties, either express or implied.


You agree to indemnify and hold harmless GFS and its affiliates and third-party vendors and their respective employees, officers, agents, suppliers, agents, contractors from any claims, liabilities, damages, costs, fees or expenses arising our of or relating to your use of this website or your violation of these Terms of Use, including but not limited to your use of any information obtained from this website.

Entire Agreement:

The Terms of Use and Privacy Policy constitute the entire agreement between you and Gateway Financial Solutions with respect to the website.

Contacting Gateway Financial Solutions:

If you have questions concerning the Terms of Use or the content or practices of this web site, please email us at gfscontactus.org or call us at 989-790-5161 between 8:00 AM and 8:00 PM EST Monday – Friday or between 9:00 AM and 2:00 PM EST Saturday.