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Disclaimer/Terms of UseNothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal or financial matter you should consult an appropriate professional. We are not a credit repair organization, or any similarly regulated kind of organization under applicable laws, and we do not provide any services or provide credit advice of any kind to you, the customer. What we do provide you are educational tools, such as letter models, for your own personal and independent use. These tools are not provided with any guarantee whatsoever or promise that they will improve your credit score, since the score is based on many different factors. By using the Site and the Product, you hereby agree to be held to, and otherwise bound by, the Terms and Conditions of Use as fully set forth in this document. You are responsible for knowing and understanding these Terms of Use. Please be advised that this is a legally binding agreement. This Site provides, for your sole and individualized utilization, a source for educational materials which you may use pursuant to the terms and conditions contained herein, and only pursuant to the terms and conditions contained herein. By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website. Through the foregoing and by accessing this Site, You the Customer hereby agree to use The Product in a manner consistent with the Terms of Use and all applicable Federal, State and Local rules and regulations. Through the foregoing and by accessing this site, you also hereby agree that you have studied, reviewed, as well as analyzed the entirety of this text. Accordingly, you agree that you fully understand these Terms of Use, and you explicitly accept, without qualification, the conditions elucidated in this Terms of Agreement. You and/or anyone else who uses this Product as a consumer on your behalf, hereby agree to read and to accept these Terms of Use carefully, before using The Site or the Product. If you do not agree to the Terms of Use, you may not continue to access or otherwise use The Site, or the Product. Through the use of the Site and the Product, you implicitly and explicitly agree to hold HCS, and all its officers, information providers, affiliates, licensors directors, attorneys, members, owners, agents, employees, and licensees (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs (without limitation) incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants, including, without limitation, attorneys' fees and costs. You shall hereby agree, through the use of the Site or Product, to cooperate as fully as reasonably required in the defense of any claim against HCS. HCS reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of HCS. HCS makes no representation, guarantee or warranty of any kind whatsoever for the content on the site or the program. Further, HCS and its employees, agents, and counsel disclaim any express or implied warranties, including, without limitation, non-infringement, merchantability or fitness for a particular purpose. HCS shall not be liable for the use of the side or product, including, without limitation, the content and any errors contained therein. HCS on behalf of our employees, agents, suppliers, and contractors, disclaim and exclude liability for any losses and expenses of whatever nature and however so arising, including without limitation any direct, indirect, special, punitive, or consequential damages, loss of data, loss of use, loss caused by a virus, loss of profit or income, loss of or damage to property, claims of third parties, or other losses of any kind or character, arising out of or in connection with the use of this site or any web site or product with which it is linked. On this website and in this Product, HCS endeavors to provide you with some of the requisite tools to help you review the accuracy and timeliness of your credit bureau reports, and in so doing, we may provide you with publicly available hypertext links from or to third party sites, and/or publicly available government sites. Please be advised that we have decided to provide you with these tools for your own convenience and information purposes. We do not make any claim whatsoever of having reviewed, endorsed, approved or controlled any of these links, and furthermore, we are not responsible for any of those sites linked from the Product or to the Website, the content of those sites, the third parties named therein, or their products, resources or services. You choose to link to any other site at your sole peril, and we will absolutely not be responsible or liable for any damages of any nature whatsoever in connection with said linking, and furthermore, we neither accept liability, nor make any endorsement or approval of the same. It is your own personal responsibility to protect your computer system from being hacked, or invaded, by third parties, including but not limited to their use of invasive items such as computer worms, viruses, Trojan Horses or any other damaging items on your home or business computer. Any unprotected e-mail disseminated over the world-wide-web sent by you is subject to possible interception and alteration, so you must be aware that we will not be held responsible or liable to you or other third parties for damages of whatsoever nature relating to said e-mail. Furthermore, through the foregoing, we do not allow you to create a hypertext link to this site if you are a credit repair organization as defined and as otherwise regulated by the federal credit repair organizations and state laws. The resources which we provide at the Site or in the Product are exclusively for broad and generalized information and educational purposes only, and as such, they do not constitute credit repair advice or services, nor do they purport to improve, enhance, boost raise, or increase your credit. Also, they do not constitute legal or other advice. By using this Product or accessing this website, you the customer acknowledge that any reliance upon any such materials as contained in the website or in the Product, including but limited to educational or informational data, shall be at your own risk. These Terms of Use represent and otherwise embody the complete and entire agreement between you the Customer and HCS, with respect to your use of the Site and the Product, and furthermore, no illustration, declaration, incentive, or promise, regardless of whether it is oral or written, which is not contained herein, shall bind either party. HCS reserves the right, at its sole discretion and of its own volition, to alter, substitute, append or remove any portion of these Terms of Use, in whole or in part, at any time. Notification of changes in these Terms of Use will be posted either on The Site or the Product. Both the Website and the Product including the Terms of Use are agreed upon and otherwise prepared in the State of Nevada, United States of America. This agreement shall be, and accordingly is, governed by and construed in accordance with the local and State laws of the state of Nevada, in the County of Clark, without any consideration or regard to any legal principles of “conflicts of law.” The jurisdiction for any action, conflict, dispute or proceeding arising from, out of, in relation to, through, concerning or surrounding this Agreement, or the Product, or the website, shall be the applicable federal or state court, located in Clark County, in the State of Nevada. This court shall oversee the specific alternative dispute resolution provision which follows. Specifically, any controversy between the parties regarding the construction, application or performance of any services under this Agreement, and any claim arising out of or relating to this Agreement or its breach, shall be submitted to binding arbitration upon the written request of one party after the service of that request on the other party. The parties shall appoint one person to hear and determine the dispute. The parties will agree upon an arbitrator who is on the current list of the Clark County Arbitration Panel. If the parties cannot agree, then the Superior Court of Clark County shall choose an impartial arbitrator whose decision shall be final and conclusive on all parties. Attorney and Client shall each have the right of discovery in connection with any arbitration proceeding in accordance with inter alia. The cost of the arbitration, excluding legal fees and costs, shall be borne by each party, without regard to which party or entity is determined to have been the “winning” or prevailing party in the arbitration proceeding. The sole and exclusive venue for the arbitration and or any other legal dispute shall be Clark County, Nevada. The award of the arbitrator(s) can be enforced by the party who prevails in the suit in any court having jurisdiction. As aforementioned, each party does hereby consent to any State or Federal Court in the County of Clark, State of Nevada, to compel arbitration, enforce arbitral awards or to pronounce interim remedies prior to qualification of the arbitrator. Finally, you hereby agree and otherwise stipulate that your right to bring an action in arbitration shall cease and be null and void unless it is brought within twelve months from the event that the gave rise to the claim, or it shall be agreed that the claim is forever barred. You the Customer may at any time sue any credit repair organization that you utilize, which in turn has been found to be in violation of inter alia, the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations offering services. The credit bureau is required to investigate and modify or remove inaccurate or incomplete or outdated information. If the investigation does not resolve the dispute to your satisfaction, you have the right to send a statement to the bureau, explaining why the record is inaccurate. The Federal Trade Commission regulates credit bureaus and credit repair organizations. Again, please be advised that we do not provide services but rather, we provide an educational self-help product. For more information contact The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580, WPB DS 25834. Again, nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal or financial matter you should consult an appropriate professional. If it turns out that any part of the Terms of Use be declared invalid or ineffectual, nugatory, inoperative or otherwise void by any court of competent jurisdiction, then this determination or declaration shall not in any way affect the validity or legality of any remaining portion(s) and such remaining portion shall remain in full force and effect as if that invalid portion of the Terms of Use had been eliminated. If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer. This agreement was collectively prepared under applicable Local and Federal laws by an independent source. |
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