Terms and Conditions


1. Notice


2. Acceptance of the Service Contract

This Agreement (the "Agreement") regulates the services provided through the ALF Customer Portal (the "Services") by ALF. The Services allow you to obtain certain information related to your Account and make certain payment transactions to that account using a personal computer, telephone and / or cell phone.

You understand that you are not obligated to accept this Service Agreement or register for this service. It is required to have an Account with ALF to have access to the Services.

You agree that the terms and conditions of this Agreement are provided to you electronically. You agree that any notification related to the Services will be disclosed through electronic means. You will be responsible for notifying ALF of any changes to the email address provided by you. You may notify ALF of changes to your email address at any time as indicated below.

Transactions related to Accounts made in accordance with the provisions of this Agreement, could be regulated by several federal and local laws, including, without limitation, Electronic Funds Transfers Act, Fair Credit Billing Act. In addition, any transaction related to the Account will be subject to the terms and conditions established in the Retail Sales Installment Contract.

3. Consent

  • a. You understand that the terms and conditions of this Agreement are being provided electronically and any acceptance of such terms constitutes a consent to them.

  • b. You agree to have received the disclosures applicable to this Agreement.

4. Notification of Changes

You will be responsible for notifying ALF of any change in your email address. These changes may be notified at any time by contacting (787)626-0000.

5. Necessary equipment

In order to have access to electronic communication, it is necessary to use a personal computer, mobile phone or tablet with access to the Internet and a browser with a secure connection layer (SSL) and encryption of 256 bits.

The recommended browsers are:

  • Internet Explorer version 8 or greater for Windows.
  • Google Chrome version 13 or greater for Windows.
  • Mozilla Firefox version 6 or higher for Windows or Mac OS X.
  • Safari version 7o greater for Mac OS X or Windows.
  • Acrobat Reader® needed to view certain documents.

The recommended mobile operating systems are:

  • Android version 7.0 or higher
  • iOS version 10.0 or higher

6. Ownership of the Page; Agreement to the terms of use

This is an agreement between You ("You") and ALF (or any of its subsidiaries or affiliates). The terms and conditions of use (the "Terms of Use") contained in this document will govern the use of any Website operated by ALF (the "Page"). The Page is property of ALF. These Terms of Use apply to the Website located at https://alfcp.americasleading.com.


ALF Customer Web Portal allows you to view account balances, transactions, make payments and obtain other general information about your Account. ALF Customer Web Portal allows you to make payments to the account. To subscribe to the Service, you must register through an Internet page by visiting https://alfcp.americasleading.com or by downloading the ALF Customer Portal App on the Apple Store or on Google Play, and follow the instructions indicated. Once all the required information provided by you is duly verified and authenticated, ALF will begin providing the Service.

ALF will determine the access parameters that will be required to use the Service. You agree not to disclose or otherwise make available your access parameters to any person. ALF reserves the right, in its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time and without prior notice. It is your responsibility to periodically verify these Terms of Use to verify changes. Your continued use of the Page after changes have been made will mean that you accept and agree to the changes. While you comply with these Terms of Use, ALF grants you a personal, limited, non-exclusive, non-transferable use privilege to enter and use the Site.

7. Additional terms

Any ALF Website may contain additional terms (for example, codes of conduct or guidelines) that may govern your use of this ALF Website in particular, including without limitation, characteristic or particular offer (for example, contests). If any provision contained in these Terms of Use conflicts with any other term contained in any ALF Website that you access, then these Terms of Use shall prevail over those.

8. Content

All text, graphics, usage interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, art and computer codes (collectively, "Content"), including but not limited to design, structure, selection, coordination, expression, "look and feel" and organization of such content, on this Site is owned, controlled or licensed by or for ALF and is protected by applicable intellectual property laws, copyrights, patents and trademarks, and several other intellectual property rights and unfair competition laws.

Except as expressly provided in these Terms of Use, no part of the Site and any Content may be copied, reproduced, republished, uploaded, integrated, publicly displayed, decoded, translated, transmitted or distributed in any form (including replicas). or "mirroring") to any other computer, server, website, or any other means for publication or distribution or for any commercial enterprise without prior written consent of ALF.

The brands of Americas Leading Finance, LLC. a trademark in process of registration before the Trademark Registry of the Department of State of Puerto Rico, and the "Aprobado" Trademark, some of which are in the process of being registered with the United States Patent and Trademarks Office, with its different variants and logos, (collectively referred to hereafter as the "Marks") are trademarks owned by ALF and may only be used with the express prior written consent of ALF, for the limited and non-exclusive use permitted by ALF, documented by means of an agreement. You are prohibited from using the marks.

9. Use of the Page

You must not use any "deep-link", "page-scrape", "robot", "spider" or any other automatic device, program, algorithm, methodology, or any similar or equivalent manual process to access, acquire, copy or monitor any portion of the Page or any Content, or in any way reproduce the navigation structure or presentation of the Page or any Content, or obtain or attempt to obtain some materials, documentation or information through any other means not available through the Page. ALF reserves the right to prohibit such activity. You must not attempt to gain unauthorized access to any portion of the Site, or any other system or networks connected to the Site or to any ALF server, or to any service offered on or through the Site, by hacking ("hacking"). ")," Code minino "or any other illegitimate meaning. You must not investigate, scan, or prove the vulnerability of any network connected to the Page, or violate the security or authentication measures on the Page or any network connected to the Page. You must not "reverse look-up", track or search any information of any other user or visitor of the Site or any other ALF client, including any ALF account, at its source, or exploit the Site or any service or Information available or offered through the Site, in any way whose purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided by the Site. You agree that You will not take any action that imposes a disproportionate burden on the Site's infrastructure or the systems or networks of ALF, or other systems or networks connected to the Site or to ALF. You agree not to use any device, program or routine to interfere or attempt to interfere with the proper functioning of the Site or any transaction handled on the Site, or with any other user of the Site. You must not establish headers or otherwise manipulate identifiers to disguise the origin of any message or transmission you send to ALF or through the Site or any service offered on or through the Site. You cannot pretend to be, or represent, another person, or impersonate another individual or entity. You may not use the Site or any content for any purpose that is unlawful or prohibited by these Terms of Use, by law, or to request that any illegal activity or any other activity that violates the rights of ALF or others be carried out.

Unauthorized use of the Site in connection with the transmission of unsolicited e-mail, including the transmission of e-mail in violation of this policy, may result in civil and criminal penalties against the emissary and its aides, including those penalties provided. by the Computer Fraud and Abuse Act (18 USC §§ 1030 et seq.).

10. Accounts Passwords and Security

You are fully responsible for maintaining the confidentiality of your account information, including your password, and for any and all activities that occur on your account. You agree to notify ALF immediately of any unauthorized use of your account or password, or any other breach of security, including suspicions or incidents of "phishing" in your current account. However, you may be liable for losses incurred by ALF or any other user of or visiting the Site due to someone else using your user name, password or account of ALF Customer Portal Web and ALF Customer Portal App. You cannot use the username, password or account of ALF Customer Portal Web and ALF Customer Portal App of another person. ALF cannot and will not be responsible for any loss or damage arising from your negligence in complying with these obligations.

11. Privacy

The ALF Privacy Policy applies to the use of this Site, and its terms are part of these Terms of Use. To view the ALF Privacy Policy, click here. In addition, by using this Site, you acknowledge and agree that Internet transmissions are never completely private and secure. You understand that any message or information you send to the Site can be read and intercepted by others, even if there is a special note that a particular transmission (for example, credit card information) is encrypted.

12. Protection of Children's Privacy online

The Internet pages and online services of ALF are not aimed at children under thirteen (13) years of age and these minors are not encouraged to provide their personal information. Therefore, our policy is that we do not intentionally collect information from children under thirteen (13) years of age. In the knowledge that we have collected such information, we will comply with the requirements of the Children's Online Privacy Protection Act ("COPPA"), including the removal of such information from our systems. For additional information about COPPA, you can access the Federal Trade Commission's website at: www.FTC.gov.

13. Relief of Liability

ALF DOES NOT ENSURE THAT THE PAGE OR ANY CONTENT, SERVICE OR FEATURE OF THE PAGE WILL BE FREE OF ERRORS OR INTERRUPTIONS, OR THAT ANY DEFECT WILL BE CORRECTED, OR THAT YOUR USE OF THE PAGE WILL PROVIDE SPECIFIC RESULTS. THE PAGE AND ITS CONTE-NIDO ARE PROVIDED "AS IS" AND "AS AVAILABLE". ALL INFORMATION PROVIDED ON THE PAGE IS SUBJECT TO CHANGE WITHOUT PRIOR NOTICE. ALF CAN NOT ENSURE THAT ANY EX-PEDIENT OR ANY INFORMATION THAT YOU DOWNLOAD FROM THE PAGE WILL BE FREE OF VIRUS OR POLLUTION OR DESTRUCTIVE CHARACTERISTICS. ALF WILL NOT BE RESPONSIBLE FOR ANY WARRANTY, IMPLIED OR EXPRESSED, INCLUDING ANY WARRANTY OF ACCURACY, WARRANTIES OF MERCHANTABILITY CONDITIONS, SUITABILITY FOR A PARTICULAR PURPOSE, HUMAN FORCE, PRECISION, TITLE, SILENT ENJOYMENT, BREACH, PREVENTATIVE EMBARGO AND INFRINGEMENT. ALF RELIES ON ANY AND ALL RESPONSIBILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTY IN CONNECTION WITH OR RELATED TO YOUR USE OF THE PAGE AND / OR ANY ALF SERVICE. YOU ASSUME ALL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY CONNECTION TO THE PAGE. YOUR SOLE REMEDY AGAINST ALF FOR YOUR DISSATISFACTION WITH THE PAGE OR ANY CONTENT IS TO STOP USING THE PAGE OR ITS CONTENT. THIS LIMITATION OF DISAGREEMENT IS AN ESSENTIAL PART OF THE COMMERCIAL RELATIONSHIP BETWEEN THE TWO PARTIES. The aforementioned release of liability applies to any damage, liability or injury caused by any malfunction, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, failure in lines of communication, theft or destruction or unauthorized access to, alteration of, or use, either for breach of contract or negligence or any other cause of action. ALF reserves the right to do any of the following, at any time and without notice: (1) modifying, suspending or terminating operations of or Accessing the Page, or any portion of the Page, for any reason; (2) modify or change the Page, or any portion of the Page, and any applicable policy or term: e (3) interrupt the operations of the Page or any portion of the Page, as necessary to perform maintenance routine and non-routine, correction of errors or other changes.

14. Limit of Liability

Except when prohibited by law, in no event will ALF be liable for any direct or indirect, consequential, exemplary, incidental or punitive damages, including loss of benefits, even if ALF has been advised of the possibility of such damage.

15. Linking practices to other Internet sites

ALF is committed to providing you with the most complete information possible. For your convenience, ALF may provide you with access to information, products or services offered on Inter-net pages or Internet resources that may be owned or operated by other companies, which are not affiliated with ALF ("third-party website"). "). We provide you this access through "hyperlinks" that automatically move you out of the Internet pages of ALF to third-party Internet sites. When you move from an ALF page to other third-party pages with links to us, the new page will appear in another window or you will be alerted to notify you that you are leaving the ALF page.

Although we strive to provide you with the most useful and reliable resources, links to third party websites are for informational purposes only. ALF cannot endorse, approve or guarantee information, products, services or recommendations provided on a third-party website. By not controlling these third-party pages, we will not always know when the information on a third-party page that you can access from the ALF page changes and ALF will not be responsible for the content or accuracy of any third-party page with links to us and ALF shall not be liable for any loss, damage of any kind, resulting from the use of a link on its Website or be liable for any failure of products or services advertised on these third-party websites. ALF offers you links to other pages "as is". When you visit a third-party website using a link on an ALF Page, you will not be protected by ALF's privacy policy or security practices, as well as other policies that may apply on the ALF Page. The data collection, the practices of use and protection of the website of third parties may differ from the practices of the Internet pages of ALF. You should become familiar with the privacy policy and security practices of each of the third-party pages you visit using a link available on the ALF page before providing any personal information on them. These will be the policies and practices that will apply to the use of the website of third parties, NOT the policies and practices of ALF. In the event that you make a transaction on a third-party page to which we provide a link on our page, ALF is not responsible in any way for such transaction and will not re-present either the members or the owners of said page.

Some tips to help you identify if you left the ALF website:

  • Instead of an Internet address of ALF, the "URL" of the third-party page appears in the box (or address field) of your browser.
  • The third-party page appears in a new window of your browser. The appearance of this new page, including the colors and the graphic designs, are significantly different from those of the ALF page.
  • The third-party page does not appear in a new browser window, but you may find one or more of the following:
    • The phrase "ALF linked third-party website" below the ALF logo.
    • The logo of another different company will appear in some location on the third-party page with a link to us, along with the phrases "Powered by", "Brought to you by", or "Provided by".
    • The layout and content of the navigation tools on the left side of the third-party page or in the header at the top of the new page are different to those of ALF.
    • The first navigation link refers to a description of the company that sponsors the third-party page. The title could be "About (Third Party's Name)".
    • A statement of privacy policy and terms of use of third parties are identified instead of the policies and terms of ALF.
    • Information at the bottom of the page contains information about a company other than ALF.

ALF is committed to providing high quality online services. If you find any information on any ALF website that you understand is incorrect or if you have any un-quietness about a link to a third-party page, please send us an email.

16. Companies and Products of Third Parties

The mention of third-party products, companies and web pages on our Site is for informational purposes only and does not constitute an endorsement or recommendation. ALF assumes no responsibility in relation to the selection, performance or use of these products or vendors. ALF provides this only as a convenience to our users. ALF has not tested any product or program found on these pages and does not make representations regarding the quality, safety, or ownership for any purpose of any product or program found there. There are inherent risks in the use of any of the products or programs found on the Internet, and ALF assumes no responsibility in relation to the performance or use of these products or programs. Make sure you fully understand the risks before downloading any program from the Internet.

17. Violation of these Terms of Use

ALF may disclose any information about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint related to your use of the Site, or to identify, contact, or bring legal action against someone who may be causing damage to or is interfering with (either with or without intent) the rights or property of ALF, or the rights or property of visitors or users of the Site, including customers of ALF. ALF reserves the right at all times to disclose any information that ALF deems necessary to comply with any law, regulation, legal process or governmental requirement. ALF may also disclose your information when ALF determines that applicable law requires or permits such disclosure, including exchange of information with other companies and organizations for fraud protection purposes. You acknowledge and agree that ALF may use any transmission or communication made by you with ALF through the Site or any other service offered on or through the Site, and may disclose such information if required by law or if ALF determines that such preservation or disclosure is reasonably necessary (1) to comply with legal processes, (2) to enforce these Terms of Use, (3) to respond to claims that such information violates the rights of others, or (4) to protect the rights, property or personal safety of ALF, its employees, users or visitors of the Page, or the public in general. You agree that ALF may, at its sole discretion and without prior notice, terminate your access to the Site and / or block your future access to the Site if we determine that You have violated these Terms of Use or other agreement or guidelines that may relate to Your use of the Site or for any other reason, which includes (but is not limited to) (1) requirements by law or governmental agencies, (2) your request (delete account by your own request), (3) discontinuation or modification of the material on the Page or any service offered on or through the Site, or (4) unexpected technical problems or situations.

18. Dispute Resolution Agreement

This Agreement will be interpreted under the laws of the Commonwealth of Puerto Rico.

The parties agree that any dispute or claim between them or against any agent, employee, successor, or assigned, whether related to these Terms of Use of your use of the Site or vice versa, and any claim or dispute related to these Terms of Use or your use of the Page or tasks contemplated under these Terms of Use, including the validation of this arbitration clause (the "Claim"), will be resolved by binding arbitration administered by the American Arbitration Association in accordance with the Rules of Commercial Arbitration Ru-les) and should be clarified in the Commonwealth of Puerto Rico. The arbitration shall be governed by the United States Arbitration Act, 9 U.S.C. §§ 1-16 excluding any provision of state law that is inconsistent or that produces a different result. A sole and unique mediator shall determine the Claim of the parties and make a final decision in accordance with the applicable law. Strict confidentiality shall govern any act of arbitration, and all information submitted to the mediator by the parties and for the decision or concession granted by the mediator. These terms should not limit any party's obligation to defend, indemnify or declare innocent another party against legal acts or other claims, losses, damages, or expenses.

The procedures specified in this Section shall be the exclusive procedures for the resolution of disputes between the parties that arise from or related to the use of the Page.

It is a requirement that each party continue to carry out its obligations under these Terms of Use while the final resolution is pending on a dispute arising out of or relating to these Terms of Use and your use of the Site, unless doing so is impossible. or impractical under the circumstances.

19. Cancellation

ALF reserves the right to cancel this Agreement or suspend its participation in the Service at any time. ALF may cancel the Service immediately if: (a) You breach any agreement with ALF; (b) if ALF has reason to believe that there has been or may be an unauthorized use of the access parameters, the Account or the Service.

20. Remedies

No delay or failure of any Party to exercise any right, power or remedy contained herein shall operate as a waiver, postponement or moratorium thereto; Any exercise of any right, power or remedy individually or partially will not prevent any additional or new action on it or the exercise of any other right, power or remedy under this Agreement. The rights and remedies of the Parties provided herein are cumulative and do not exclude any other rights, powers, privileges or remedies existing now or in the future by operation of law, equity or for any other reason.

21. Separability

If any provision of this Agreement is declared, in whole or in part, by any judicial or administrative court with jurisdiction as void, invalid, illegal or cannot be enforced, it will be considered for such purposes as invalid and ineffective, without affecting the validity, legality or effectivity of the other provisions not so declared, which shall be maintained in full force and force.

22. Prevailing Language

This Agreement is made in Spanish and in English. In the event of a dispute as to the terms of this Agreement the Spanish version shall prevail.

ESIGN Consent to Use Electronic Records and Signatures

As part of your relationship with us, we want to ensure you have all of the information you need to effectively manage your accounts. Our goal is to provide you with as many options as possible for receiving your account documents. We are required by law to give you certain information "in writing" – which means you are entitled to receive it on paper. We may provide this information to you electronically, instead, with your prior consent. We also need your general consent to use electronic records and signatures in our relationship with you. So, before you use our Electronic Services through the Americas Leading Finance, LLC web page and mobile app you must review and consent to the terms outlined below.

In this consent:

  • "We," "us," "our" and "ALF" means Americas Leading Finance, LLC., and each and every current and future affiliate of Americas Leading Finance, LLC.
  • "You" and "your" means the person giving this consent, and also each additional account owner, authorized signer, authorized representative, and/or service user identified on any ALF Product that you use or access.
  • "Communications" means each disclosure, notice, agreement, fee schedule, statement, record, document, notification, letter and other information we provide to you, or that you sign or send.
  • "Electronic Service" means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging) and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
  • "ALF Product" means each and every account, product or service we offer that you apply for, own, use, administer or access, either now or in the future. ALF Products include Electronic Services.
  • The words "include" and "including," when used at the beginning of a list of one or more items, indicates that the list contains examples – the list is not exclusive or exhaustive, and the items in the list are only illustrations. They are not the only possible items that could appear in the list.

1. Your consent to use electronic records and signatures; Choosing to receive Communications electronically or in writing; Certain information must still be provided in writing.

By ALF’s sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form ("Electronic Records"). We may also use electronic signatures and obtain them from you as part of our transactions with you.

Electronic Records may be delivered to you in a variety of ways. In some cases, you will be able to choose whether to receive certain Communications electronically, or on paper, or both. We will provide you with instructions on how to make those choices when they are available.

ALF may always, in its sole discretion, provide you with any Communication in writing, even if you have chosen to receive it electronically.

Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically inform you in an express form in another Communication that you may deliver that notice to us electronically.

There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this consent will automatically cover those Communications as well.

2. Your option to receive paper copies.

If we provide Electronic Records to you, and you want a paper copy, you may contact the appropriate customer service unit by calling (787)626-0000 and requesting a paper version. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law.

3. Your consent covers all ALF Products; Privacy Policies.

Your consent covers all Communications relating to any present or future ALF Product. Your consent remains in effect until you give us notice that you are withdrawing it.

You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on https://www.americasleading.com/Portals/0/DocumentosPDF/NotificacionDePrivacidad.pdf .

4. You may withdraw your consent at any time; Consequences of withdrawing consent; How to give notice of withdrawal.

You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:

  • your access to our Electronic Services, including the use of the ALF Customer App and ALF Customer Portal. Your withdrawal of consent will become effective after we have had a reasonable opportunity to process your request.
  • To withdraw your consent:

5. You must keep your email current with us.

You must promptly notify us of any change in your email address. You may change the email address on record for you by going to the Services page within and updating your contact information.

6. Hardware and software you will need.

To receive Electronic Records, you must have access to:

  • a Current Version (defined below) of an Internet browser we support,
    • Internet Explorer version 8 or higher for Windows.
    • Google Chrome version 13 or higher for Windows.
    • Mozilla Firefox version 6 or higher for Windows or Mac OS X.
    • Safari version 7 or higher for Mac OS X or Windows
  • a connection to the Internet,
  • a Current Version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader), and
  • a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.
  • You must also have an active email address.

In some cases, you may also need a specific brand or type of device that can support a particular software application, including an application intended for particular mobile or handheld devices.

We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with the services provided.

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your ALF Products.

Additional examples of electronic records covered by your consent include:

1. This ESIGN Consent Disclosure and any amendments;

2. Our Online Terms & Conditions, other service or user agreements for online access to our Electronic Services, and all amendments to any of these agreements;

3. All of the Communications related to any ALF Product, except for those excluded by the terms of this ESIGN Consent Disclosure;

4. All of the periodic account and activity statements, disclosures and notices we provide to you concerning your ALF Products;

5. Any notice or disclosure regarding fees or assessments of any kind, including late fees, and no source of funds fees;

6. Notices of amendments to any of your agreements with us; and

7. Other disclosures and notices that we are legally required to provide to you, or choose to provide to you in our discretion.