Name

Address

PRIVACY DISCLOSURE POLICY:

1. APPLICANT AND PURPOSE
This Consumer Credit Agreement ("Agreement") applies solely to individuals (the "Applicant") requesting credit from Woodford Oil Company ("Woodford") for personal, family, or household purposes, including residential propane, fuel, and related services. This Agreement does not apply to commercial or business accounts.
 
2. CREDIT APPLICATION CERTIFICATION
The Applicant certifies that all information provided in connection with this application is true, accurate, and complete. The Applicant agrees to promptly notify Woodford of any material change in contact information or financial condition.
 
Credit approval, credit limits, and payment terms are subject to Woodford’s approval and may be modified only as permitted by applicable law.
 
3. CONSUMER CREDIT AUTHORIZATION (FCRA)
The Applicant authorizes Woodford to obtain consumer credit reports and related information from one or more consumer reporting agencies for purposes of evaluating this application, reviewing, maintaining, or modifying the account, and collecting amounts lawfully owed. This authorization is provided in accordance with the Fair Credit Reporting Act (FCRA) and applicable state law.
 
4. EXTENSION OF CREDIT & PAYMENT TERMS
If approved, Woodford may extend open‑end consumer credit for residential purchases. Specific payment terms, billing cycles, and due dates will be disclosed on invoices or periodic account statements.
 
Failure to pay as agreed may result in lawful fees, service interruption, suspension of credit privileges, or other remedies only where and to the extent permitted by applicable law.
 
5. FINANCE CHARGES & LATE FEES (CONSUMER LIMITATIONS)
Finance charges and late fees, if any, shall be assessed only where permitted by applicable state law, shall not exceed statutory maximums, and shall be clearly disclosed prior to assessment.
 
Maryland: Charges shall comply with Maryland Commercial Law Title 12.
Pennsylvania: Charges shall comply with the Pennsylvania Goods and Services Installment Sales Act.
West Virginia: Charges shall comply with the West Virginia Consumer Credit and Protection Act.
Kentucky & Ohio: Charges shall comply with applicable consumer‑credit statutes.
 
6. RETURNED PAYMENT / NSF FEES
If any check, ACH debit, electronic payment, or other form of payment submitted by the Applicant is returned unpaid or reversed for any reason, Woodford may assess a returned payment (NSF) fee only where and to the extent permitted by applicable law, and no more than once per returned payment.
 
West Virginia: NSF fee not to exceed $25 with required notice.
Maryland: NSF/collection fee not to exceed $35 with statutory notice.
Pennsylvania, Kentucky, Ohio: Fees limited to statutory caps.
 
7. DEFAULT; NOTICE; RIGHT TO CURE
Where required by applicable law, Woodford shall provide written notice of default and a legally required opportunity to cure prior to acceleration or referral for collection.
 
8. REMEDIES
After any required cure period, Woodford may suspend service, terminate credit privileges, or refer the account for lawful collection activity.
 
9. SERVICE‑RELATED FEES
The Applicant acknowledges that certain services may result in additional service‑related fees, including after‑hours or emergency service responses, out‑of‑gas calls, reconnection, and trip or dispatch charges where service is requested but access is unavailable. Such fees are assessed only where permitted by law, are reasonable, and apply only when services are actually performed.
 
10. DEPOSIT OR COD REQUIREMENT AFTER DELINQUENCY
If the Applicant becomes delinquent, incurs repeated returned payments, or otherwise presents increased credit risk, Woodford may, as permitted by law, require a refundable deposit or modify payment terms to cash‑on‑delivery (COD) or other non‑credit terms. Any deposit shall be applied or refunded in accordance with applicable law.
 
11. COLLECTION COSTS & ATTORNEY FEES
Collection costs and attorney fees shall be recoverable only where and to the extent expressly permitted by applicable consumer‑protection statutes.
 
12. NO PERSONAL GUARANTY
This Agreement does not require or create a personal guaranty. The Applicant is responsible only for obligations incurred on the Applicant’s own account.
 
13. GOVERNING LAW & VENUE
This Agreement shall be governed by the laws of the Applicant’s state of residence.
 
14. SEVERABILITY
If any provision is held unenforceable, it shall be modified to the minimum extent necessary and the remainder shall remain in effect.

 

I, hereby authorize WOODFORD OIL COMPANY, herein after called COMPANY, to initiate Debit entries to my (our) Checking account indicated below, at the depository named below, hereinafter called DEPOSITORY, to Debit (Withdraw) the same from my (our) account

This authorization is to remain in full force and effect until COMPANY has received written notification from me (or either of us) of its termination in such time and in such manner as to afford COMPANY and DEPOSITORY a reasonable opportunity to act on it

ACH Acknowledgments will be sent to email address on the application. Unless otherwise specified below.

Note: The receiver may revoke the authorization only by notifying the company in writing at P.O. Box 567, Elkins, WV 26241.