| Terms of Use and Disclosures
Introduction
You may be referred to as Licensee. The terms 'You' or 'Licensee' includes you and any of your owners, employees, partners, independent contractors, subsidiaries, affiliates, attorneys, agents, heirs, and assigns.
We may be referred to as Licensor. The terms 'Us,' 'We,' "Site Owner' or 'Licensor' includes and our owners, employees, subsidiaries, independent contractors, agents, attorneys, and assigns.
You must be at least 18 years old to access this website or to purchase products or services from us. We do not direct this website to minors, nor do we knowingly collect any personal information from children under the age of eighteen.
Disclaimers
THE SITE OWNER DOES NOT PROVIDE FINANCIAL SERVICES OF ANY KIND. VISITORS ARE REFERRED TO LICENSED NON-PROFIT CREDIT COUNSELING AGENCIES. NO INFORMATION ON THIS SITE SHOULD BE CONSIDERED FINANCIAL OR LEGAL ADVICE.
The use of our information, products and services should be based on your own due diligence and you agree that we are not liable for your results.
Prohibited Uses
You will not assign, sub license, transfer, pledge, sell, lease, rent, lend, or otherwise dispose of the content, or any part of it, or share your rights under this Agreement, to others. You will not give others access to your username and password. You will not violate any laws, third party rights, or this Agreement. This includes, but is not limited to, not posting any material or content that is defamatory, harassing, belongs to someone else, is obscene or pornographic You will not provide false or misleading information to us.
Consent to Use Information
When you communicate with us, send us information, or provide content to us or our website, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to exercise all copyright and publicity rights you have in the content, in any manner whatsoever, in any media now known or which may be created in the future, including in other works and forms not associated with this website.
Earnings Disclosure
The Site Owner earns referral fees by providing contact form information and toll free phone call transfers to A Licensed Credit Counseling Agency. Site Owner also earns affiliate commissions from the Google Adsense affiliate programs and other affiliate programs.
No Waiver of Rights
Our failure to enforce any rights granted in this Agreement or to take action against any other party in the event of any breach shall not be deemed a waiver by us as to subsequent enforcement of rights or subsequent actions in the event of future breaches.
Privacy Policy
We respect your interest in your privacy and as a result we have created this informational disclosure. We collect and use personal information for many purposes, including but not limited to, billing; product and service fulfillment; to better understand our customer needs; to provide a better website, products and services; to communicate with customers and potential customers regarding our products and services and third party products and services.
Generally, your private information will only be disclosed to our owners, employees, independent contractors, subsidiaries, partners, affiliates, attorneys, consultants, business associates, service providers, suppliers and agents, acting on our behalf or request. This general rule, and disclosures in specific situations, is more particularly described below.
By submitting your information via our contact form, or calling the toll free phone number, you agree to be contacted by A Licensed Credit Counseling Agency. Submission of contact form information or use of the toll free phone number will constitute permission for use to provide your information with A Licensed Credit Counseling Agency.
Information Collected by our ISP
The hosting provider for this Internet site (as with any Internet site) has the ability to record various information, including domain name, pages accessed, date and time of access, web browser type and computer operating system, and referring information, and to disclose this information. This is most commonly done by providing access to raw server logs. For more information you should perform an Internet search on 'server logs' or 'raw server logs.' We may have access to our raw server logs and access reports prepared by our hosting provider.
Use of eMail Addresses and other Contact Information
An important part of our services includes being able to provide information to you. As a result, you expressly consent to receiving communications from us via email, fax, telephone, mail, or any other delivery method. As a customer you are agreeing to receive information about the product or service you purchased. This may include, but is not limited to, information about product or service updates, new features, or information we believe you may find interesting. We may also send you information about other products and services our company offers.
We will not sell, provide, or transfer you email address to others with the exception of providing information you provide to A Licensed Credit Counseling Agency. By submitting your information via out contact form, or calling the toll free phone number, you agree to be contacted by A Licensed Credit Counseling Agency. We may allow advertising to our customers, or engage in joint ventures, which result in your receiving advertisements from selected third parties.
Identification of Purchasers or Users of Service
If you use one of our products or services, you authorize us to use your name and contact information, and any other information you provide in advertising or promotions or referral. We also use personal information in an aggregate form (i.e., not individually attributable to you) for business analysis, operational, marketing and other promotional purposes.
Cookies
Cookies may be used to keep track of referred affiliate commissions and to monitor access to our website. You consent to any future use of cookies for testing purposes and the use of cookies for publicly available data to gather statistics for the purpose of determining which search engines, referring sites, key words, etc., bring visitors to our website, which pages visitors are most interested in, what web browsers are used, etc. Various providers may be used for this purpose. The purpose is obtaining information that will help promote the website, make the website more interesting and useful to visitors, and to identify areas where improvement is needed.
Additionally, various third party information suppliers and other entities that provide information for this website, or for use by us, may use cookies. Examples include, but are not necessarily limited to billing providers, third party advertisers, and third party resources we promote.
Disclosure by Necessity
Private information may be disclosed if required by a court order, statute, law, or regulation. Information is subject to disclosure to address a claim that you are violating the terms of any agreement pertaining to your use of your use this website or our products or services, or rights of any third party. Information is also subject to disclosure if we believe that disclosure is necessary to identify, contact or bring an action against someone who may be causing injury to or interfering (either intentionally or unintentionally) with our rights or property, your rights or property, other users of our website, products or services, or anyone else. As we continue to develop our business, we or our affiliates may sell or buy other businesses or entities, or we may merge with another company, or be bought by another company. In such transactions, personal information may be one of the transferred assets. Your information may be stored and processed in any country in which we maintain facilities or conduct operations. By using our website, products and services, you consent to any such transfer of information outside of your country. After your account becomes inactive your information may remain in our databases, computers, and archives, and cannot reasonably be expunged.
Miscellaneous
This Agreement in all respects shall be governed by and construed according to the laws of the Commonwealth of the Bahamas, to the exclusion of any other applicable body of governing law, without regard to conflicts of laws principles. This Agreement is entered into in Nassau, New Providence, and Commonwealth of the Bahamas. You consent to the exclusive jurisdiction of the Commonwealth of the Bahamas for any dispute arising from or related to this Agreement.
You agree that the exclusive venue for any dispute arising from or related to this Agreement will be a court located in Nassau, the Commonwealth of the Bahamas.
Should any term of this Agreement be declared void or unenforceable, that term shall be severed from the Agreement such declaration shall have no effect on the enforceability of the remaining terms. This Agreement contains the complete and entire understanding and agreement between you and us and supersedes any previous communications, representations, or agreements, verbal or written, related to the subject matter of this Agreement. This Agreement may not be modified or amended orally, impliedly, or in any manner not set forth in writing or permitted by this Agreement. This Agreement may be amended by us at any time and without notice, but only by amending this Agreement as posted on this website, unless otherwise agreed to in a writing signed by both of us.
|
