Simple RTO, LLC (DBAs: Simple Finance or Simple Leasing, collectively “Simple,” “we,” “our” or “us”) is a company which offers our customers a rent-to-own (“RTO”) option, as an alternative to traditional financing.  In addition, Simple offers consumers access to our proprietary website portal (“Website”) for purposes of submitting applications for verification and approval in order to access our products and services.  These Terms and Conditions are between the applicant-consumer and Simple.  Although these Terms and Conditions contemplate a lease agreement with Simple, it is not the lease agreement itself, nor do we guarantee approval of the consumer's application.


Rent-to-own (“RTO”) is known throughout the country by different names, such as rent-to-own, lease-purchase, rental-purchase, or rent with an option to purchase.  Due to RTO agreements being governed by state law, and due to each state law varying in some degree or another, these Terms and Conditions do not intend to specifically recite the various state-specific RTO agreements.  The applicant-consumer will have the right to review the RTO agreement prior to execution.


If a consumer's application is approved to access our products and services, the consumer will be required to accept these Terms and Conditions.  The application is only the first phase of a multi-phase transaction and the consumer will continue to be bound by both these Terms and Conditions and our Privacy Policy.  The consumer will further be required to agree to be bound by his/her electronic signature and to receiving a copy of the signed lease agreement by electronic mail.  If the consumer does not have an e-mail address, we will mail him/her a copy of the signed lease agreement.  We encourage the consumer to also agree to our ongoing communication with our consumer by any means available, including through mobile cellular phone, SMS (text) messaging, and electronic mail, for purposes of extending promotional or advertising material, collections, etc.


If the consumer agrees to these Terms and Conditions and voluntarily submit an application to us that we may determine if we will approve you for access to our products and services, you will be consenting to our Privacy Policy as to the use of your financial and personal information.


By accessing our Website or using Simple’s products and services, the consumer will confirm that he/she is over the age of eighteen (18), and that he/she agrees to be legally bound by these Terms and Conditions, our Privacy Policy, and the contemplated RTO agreement.


As consumers voluntarily seek to apply for access to Simple’s products and services and are under no compulsion or duress to submit their personal information, they will be prompted to voluntarily agree to and consent to Simple’s Privacy Policy, namely Simple's policy of the use of personal and financial information that may be furnished through this Website, and the personal and financial information we obtain from financial institutions that consumer give us permission to access.   Consumers agree that the information submitted is complete and accurate.


Although our full Privacy Policy can be accessed on our Website, it is noteworthy for consumers to know that Simple shares consumers' personal information with one or more consumer reporting agencies for purposes of verifying bank account information, identity, etc.

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