​Effective Date: March 18, 2018
Last Updated: September 28, 2026

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Welcome to the Pacific Capital Exchange (“Pacific Capital Exchange,” “PCE,” “we,” “us,” or “our”) website. These Website Terms of Use (“Terms”) govern your access to and use of this website and its available features.

By accessing or using this website, you agree to these Terms. These Terms apply to use of the website only and do not modify the terms, validity, amount, ownership, or status of any underlying account or obligation.

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1. Use of This Website

This website may be used for lawful purposes, including learning about Pacific Capital Exchange, contacting our team, accessing available account information or services, and making payments when those features are available.

You agree not to:

• Use the website for an unlawful, fraudulent, or unauthorized purpose.

• Attempt to gain unauthorized access to another person's account, information, or our systems.

• Interfere with the operation or security of the website.

• Introduce viruses, malicious code, or other harmful technology.

• Use automated tools to improperly access, scrape, copy, or interfere with the website.

We may restrict access to the website when reasonably necessary to maintain its security, integrity, or availability.

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2. Account and Payment Services

Certain portions of the website may allow consumers to access account-related information or submit payments.

You are responsible for providing accurate information when using these services and for protecting any credentials used to access your account.

Payments submitted through the website are subject to processing and verification. Website access or use of an online payment feature does not independently alter the terms or legal status of an underlying account or obligation.

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3. Text Messaging

If you separately consent to receive text messages from Pacific Capital Exchange, we may send account-related text messages in accordance with applicable law.

Message frequency may vary. Message and data rates may apply.

You may opt out of text messages by replying STOP. For assistance, reply HELP or contact us at 855-888-5617 or contact@paccap.co.

Consent to receive text messages is not a condition of making a payment or resolving an account.

Wireless carriers are not responsible for delayed or undelivered messages.

Federal Regulation F includes specific requirements concerning debt-collection communications by text, including a clear and simple method to opt out of further electronic communications to that number. Consumer Financial Protection Bureau

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4. Privacy

Our collection, use, disclosure, retention, and protection of personal information is addressed in our Privacy Policy.

Please review the Privacy Policy for information regarding our privacy practices.

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5. Intellectual Property

Unless otherwise indicated, the content of this website, including its text, graphics, logos, design elements, and other materials, is owned by or licensed to Pacific Capital Exchange and is protected by applicable intellectual-property laws.

Website content may not be reproduced, distributed, modified, or commercially used without authorization except as otherwise permitted by law.

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6. Third-Party Websites and Services

Our website may contain links to websites or services operated by third parties, including payment or other service providers.

Pacific Capital Exchange does not control these third-party websites and is not responsible for their content, availability, security, terms, or privacy practices.

Your use of third-party services may be subject to the terms and privacy policies of those providers.

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7. Website Availability and Information

We make reasonable efforts to maintain the availability and accuracy of our website. However, we do not guarantee that the website will always be available, uninterrupted, secure, or error-free.

Information provided on this website is for general informational and account-servicing purposes and should not be considered legal or financial advice.

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8. No Waiver of Consumer Rights

Nothing in these Terms is intended to waive, restrict, modify, or limit any right, remedy, defense, or protection available to a consumer under applicable federal, state, or local law.

Use of this website does not waive a consumer's right to dispute an account, request information, or exercise other rights available under applicable law.

Federal debt-collection rules separately establish validation-information and dispute requirements; your website Terms should not suggest those rights are changed merely because someone uses the site. Consumer Financial Protection Bureau

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9. Changes to These Terms

We may update these Terms periodically to reflect changes to our website, services, practices, or applicable requirements.

Changes will be posted on this page with an updated “Last Updated” date.

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10. Contact Us

If you have questions regarding these Website Terms of Use, please contact:

Pacific Capital Exchange
Phone: 855-888-5617
Email: contact@paccap.co