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About The Consumer Finance Blog

Terms of Use/Scope of Consumer Finance Blog

This Blog is designed for and targeted to people involved in the personal property finance services industry, including lawyers, servicers, and/or lenders involved in consumer lending for automobiles, motorcycles, RVs, boats, personal watercraft, and other types of personal property.  NOTE, HOWEVER, that the posts distributed by electronic mail to subscribers also are posted on Severson & Werson’s twitter account, and LinkedIn page.  The subscribers/followers/”friends” for such social media are different than the subscribers to this weblog, and, accordingly, public viewing and posting is anticipated through such other social media to which this weblog posts.  Moreover, this weblog contains buttons which allow its subscribers to email and post to their own social media.  Again, public viewing and sharing is anticipated, and nothing subscribers post or view should be assumed to be private.

If subscribers or users share information from this weblog on other social media, subscriber doing so agrees to defend, indemnify, and hold Severson & Werson harmless against any claims arising out of the sharing and/or use of such information by the subscriber.  The information posted on this weblog is the property of Severson & Werson; subscribers may use the social media buttons to republish the weblog’s posts for subscribers’ own personal use and for educational purposes so long as proper attribution is given.  However, any reproduction, retransmission, or republication of the weblog’s posts for commercial purposes is expressly prohibited without the express written permission of Severson & Werson.

Severson & Werson reserves the right to limit subscription to the automobile finance industry, and can refuse subscription to the Blog to anyone, for any reason, and at its sole discretion.  Severson & Werson reserves the right to deny, ban, or revoke subscription to any person who violates the Terms of Use of our Blog, or just because we feel like it.

Not Legal Advice/No Attorney-Client Privilege.

Severson & Werson makes the Blog available only for the educational purpose of giving general information and developments on legal topics in California relevant to the automobile finance industry.  It is not a solicitation for business.  The Blog does not offer general or specific legal advice nor does it (or the ability to contact us by e-mail through the Blog) create an attorney-client relationship between subscribers or users and us, or between subscribers or users and Severson & Werson.  Severson & Werson accepts clients only through strict, formal procedures established by the Firm, and the Firm does not render advice by Blog or by e-mail associated with the Blog.

At bottom, this blog does not constitute legal advice, and none of its posts, comments, or e-mails should be interpreted or relied on as such.  Severson & Werson makes no claims, promises or guarantees about the choices, accuracy, completeness, timeliness, relevance, or adequacy of the information contained in or linked to from the Blog, or of any of the documents or links posted on it.  The posts are things we choose to write about at our exclusive discretion.  Sometimes, the cases summarized are ones that we handled or were involved in and sometimes they are not.  We do not and need not disclose which are which.

Disclaimer of Warranties.

The Blog and its contents are provided without warranties of any kind whether express or implied.  Severson & Werson expressly disclaims any liability with respect to actions you or any party may take or refrain from taking in response to or in reliance on this Blog or the Blog content or any linked site.  In short, if you need legal advice, find counsel and formally retain them.  Articles that we write or post or link to from time to time are, again, for informational purposes only and we do not control their content or vouch for it—even if we wrote the article.

Third Party Links.

The Blog may contain links to third party websites, resources, or social media, or the ability to forward posts to third party websites, resources, or social media.  These links are provided for your convenience and are not intended to imply that Severson & Werson endorses or controls the linked-to sites or verify the accuracy of the information contained on those sites.

Comments, E-mails, and Consent/Revocation

In order to subscribe, you must provide us with a valid name and e-mail address.  By pushing the “subscribe button” and/or confirming your subscription, you represent and warrant that you are over the age of 18 years old, are the owner/authorized user of that e-mail address, and are entitled to receive e-mails at that address. The weblog will retain your name and e-mail address on its server, or the server of its web host and we won’t share any of this information with anyone except the Firm’s employees and contractors, except under certain extraordinary circumstances described below.

NOTICE AND AGREEMENT REGARDING E-MAILS AND CALLS/TEXT MESSAGES TO LAND-LINE AND WIRELESS TELEPHONES:  By providing your contact information, you agree to receive e-mail messages from Severson & Werson from time-to-time and understand and agree that such messages are or may be sent by means of automated dialing technology.  If you have your email forwarded to other electronic media, including text messages and cellular telephone by way of VoIP, internet, social media, or otherwise, you agree to receive my messages in that way.  This may result in charges to you.  Your agreement and consent also extend to any other agents, affiliates, or entities to whom our communications are forwarded.  You agree that you will notify Severson & Werson in writing if you revoke this agreement and that your revocation will not be effective until you notify Severson & Werson in writing.  You understand and agree that you will afford Severson & Werson a reasonable time to unsubscribe you from the website, that the ability to do so depends on Severson & Werson’s press of business and access to the weblog, and that you may still receive one or more emails or communications from weblog until we are able to unsubscribe you.

If you send us an e-mail, your e-mail address and log-in name typically will be displayed at the top of your message.  We retain most of the messages we receive, so your address and that message  likely will remain on record in our e-mail archives and/or on our servers.  These archives are stored on servers owned by a third party.


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We reserve the right to disclose your e-mail address in the following three extraordinary circumstances:  (a) if we believe in good faith that we are required to do so by law; or (b) if we believe in good faith that such disclosure is necessary to defend the site’s infrastructure or legal rights, or (c) if we believe in good faith that such disclosure is necessary for us to defend our legal rights.  If you send an e-mail message, you consent to your message—including your name, e-mail address, and IP address—being reprinted in full on the Blog should we deem that information worthy of publication.  If you do not consent to that information being made public, please specifically say so in your message.

Threatening and/or abusive communications.

Notwithstanding the foregoing provisions, we reserve the right to collect, disclose, and publicize personal information about anyone who sends a threatening or abusive communication, in any format or by any medium, to us, the Firm’s employees or contractors, or other subscribers to the Blog.  We will not honor requests for privacy attached to such communications, and deem them by their nature not to be private.  We specifically disclaim all responsibility for any false or defamatory matter in the comments, since those are written and posted by others.