Frequently Asked Questions

What is the warranty on Payment Guardian's products?

ALL PRODUCTS MANUFACTURED AND SOLD BY PAYMENT GUARDIAN INC. (THE COMPANY), ARE WARRANTED TO BE FREE FROM DEFECTS IN MATERIALS AND WORKMANSHIP UNDER NORMAL USE. FOR A PERIOD OF 1 (ONE) YEAR FROM DATE OF PURCHASE. IF A PRODUCT SOLD BY THE COMPANY PROVES TO BE DEFECTIVE, THE COMPANY WILL REPAIR OR REPLACE IT FREE OF CHARGE WITHIN THE FIRST YEAR. THEREAFTER, ALL PRODUCTS TO BE REPAIRED WILL BE SUBJECT TO A NOMINAL CHARGE FOR PAYMENT GUARDIAN'S PARTS, LABOR AND RETURN SHIPPING, TO THE ORIGINAL OWNER DURING THE LIFETIME OF THE CAR IN WHICH IT WAS ORIGINALLY INSTALLED.

What is the procedure for returning a Payment Guardian product for repair?

ALL PRODUCTS FOR WARRANTY REPAIR MUST BE SENT POSTAGE PREPAID TO PAYMENT GUARDIAN INC. - ATTENTION: REPAIRS DEPARTMENT 29783 EVANS RD. SUN CITY, CA 92586 WITH BILL OF SALE OR OTHER DATED PROOF OF PURCHASE. ONCE WE HAVE RECEIVED THE PRODUCTS IN QUESTION, PAYMENT GUARDIAN WILL SEND YOU A NOTICE THAT WILL SHOW IF THE PRODUCT IS STILL COVERED UNDER WARRANTY AND/OR AN ESTIMATE FOR THE REAPAIR OF UNITS IF WARRANTY HAS EXPIRED. THIS WARRANTY IS NONTRANSFERABLE AND DOES NOT APPLY TO ANY PRODUCT DAMAGED BY ACCIDENT, PHYSICAL OR ELECTRICAL MISUSE OR ABUSE, IMPROPER INSTALLATION, TAMPERING, ALTERATION, ANY USE CONTRARY TO ITS INTENDED FUNCTION, UNAUTHORIZED SERVICE, FIRE, FLOOD, LIGHTNING, OR OTHER ACTS OF GOD.

Is it legal to shut off a borrowers vehicle?

YES: The borrower agrees in writing with all terms and conditions of the "Customer Disclosure" form upon purchase, rent, or lease of the vehicle, and fully understands the consequences of not adhering to their agreement. Each state has their own laws with regards to "right to cure".

Do your products have an Emergency Override feature?

YES: All Payment Guardian products are specifically designed for keeping your exposure of liability to a minimum. Every system we offer enables you to get the customer back on the road no matter where they were disabled. Don't ever purchase a system without it!

How long does the Wireless Service for my systems last before expiration?

All of our systems that require wireless service usually come with the first 3 years of service prepaid as part of the purchase price. The 3 year period of service always starts from the date your order is shipped.

How do I renew Wireless Service after the initial period of service?

Once your initial period of wireless service has expired, we will notify you when you need to renew - so your service won't ever need to be interrupted.

Why should I trust your service?

We want you to be 100% convinced that the equipment and service we provide will pass muster with you, the borrowers, and if need be…in a court of law. So we have shown our service to prominent legal professionals and business experts, and asked for their feedback, as well as their endorsement.

Is a “Payment Assurance System" approved for my State?

We own the patented technology that is legal to use in every state, we have designed our systems to adhere to most state consumer protection laws.

Is my corporate data safe with you?

The security of your information is our highest priority. We save only basic corporate data used to generate invoices and activate the devices you wish to deactivate.

What if the borrower has an emergency and must use the vehicle?

All of our units are equipped with 1 time use - emergency override which allow the borrower to use the vehicle for at least an additional 2 days.

Does Payment Guardian follow State and Federal mandated "Right to Cure" periods?

Yes, and the user can set each unit remotely from the online interface so even if they move to a different state you can adjust to that states Right to Cure criteria.

When does Payment Guardian actually shut off the vehicle?

We try to make it so the borrower is at home so we set the kill signals to shut the car off between the hours of 2am and 4am.

Does Payment Guardian shut the vehicle off when the borrower is driving?

No…It shuts off the ignition system so when the borrower stops the vehicle it will not restart.

Does the borrower get a warning before the vehicle is shut off to allow them time to "cure"?

Yes. All of our units have a voice chip and speaker which starts broadcasting a specific message to the borrower as soon as the borrower turns the ignition key off the day the "right to cure" period begins.

What kind of computer and modem is required?

Our service works on any modem hookup to the internet, and on any computer with at least a Microsoft Explorer 4.0 or Netscape Navigator 4.0 browser, as well as Adobe Acrobat Reader or Microsoft Word for reading, revising and printing forms.

What kind of customer service support do I receive?

We have live operators available from 9-5, Monday through Friday. But frankly, our Customer Service people are as lonely as the Maytag repairman. Our service is so easy to use, we don't get many calls. Nonetheless, should you need us, our Customer Service number is (800) 675-1305.