Welcome! Creditrepairinmyarea.com, Inc. ("creditrepairinmyarea.com" or "us" or "we" or "our") provides its services (described below) to you through the website located at www.creditrepairinmyarea.com and its related sub-domains (the "Site") and through its mobile applications and related services (collectively, such services, including any new features and applications, and the Site, the "Service"), subject to the following Terms of Service (as amended from time to time, the "Terms of Service"). Through the Service, we provide credit-related information, products, services and other features.
BY USING THE SITE, ENGAGING IN THE SERVICE, REQUESTING WE CONTACT YOU ABOUT FINANCIAL SERVICES AND CREDIT RELATED OFFERS, AND/OR PARTICIPATING IN ANY OF OUR RELATED TEXT MESSAGE PROGRAMS, YOU SIGNIFY YOUR AGREEMENT TO THE TERMS OF SERVICE.
creditrepairinmyarea.com's privacy policy applies to your use of the Site, all Service provided by us, your request that creditrepairinmyarea.com contact you about financial services and credit related offers, and/or your participating in creditrepairinmyarea.com's Text Message Program, and its terms are made part of these Terms of Service. To review creditrepairinmyarea.com's Privacy Policy. By using the Site, engaging in the Service, requesting that creditrepairinmyarea.com contact you about financial services and credit related offers, or participating in any related Text Message Program, you acknowledge you have reviewed creditrepairinmyarea.com's Privacy Policy and agree to its terms. creditrepairinmyarea.com's "Text Message Program" includes sending text message(s) to creditrepairinmyarea.com and/or receiving text message(s) from creditrepairinmyarea.com.
By using the site, engaging in the service, requesting that creditrepairinmyarea.com Contact you about financial services and credit related offers, and/or participate in creditrepairinmyarea.com's text message program, you agree to arbitrate all claims between you and creditrepairinmyarea.com on an individual basis only and not as part of any class. A "claim" is any case, controversy, dispute, tort, disagreement, lawsuit, legal action, or claim now or hereafter pending between you and creditrepairinmyarea.com, including but not limited to any alleged state or federal statutory violation, or any dispute over the interpretation of the terms of service or the arbitratbility of any claim purusant to the terms of service. This agreement to arbitrate governs all past, current and prospective interactions with creditrepairinmyarea.com.
You agree that you are waiving all rights to (a) a trial by jury; (b) participate in a class action lawsuit or class action arbitration; and (c) bring an action against creditrepairinmyarea.com in a court of law. You may individually arbitrate any claim against creditrepairinmyarea.com in any jurisdiction in the united states. creditrepairinmyarea.com will reimburse you up to $300 of your arbitration filing fee. The rules of the american arbitration association then in force shall govern the arbitration (provided however, that the terms of these terms of service shall control over any inconsistency between the rules of the american arbitration association and the terms of service). The arbitrator shall have authority to interpret the terms of service, including but not limited to the authority to decide whether any claim is arbitrable under the terms of service and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator's jurisdiction, and the enforceability of the terms of service. You agree that the terms of service involve commerce under 9 u.s.c., Section 1 et. seq., and that this arbitration clause is governed by federal law, including the federal arbitration act.
If you don't agree to these terms of service, don't use the service. We can change these terms of service at any time without any notice to you. We will change the last revised date above when we make any changes and post a new version of these terms of service on our site. It is your responsibility to review these terms of service from time to time for any changes as it creates a binding legal agreement between you and creditrepairinmyarea.com.
The Website gives users information about credit repair services, general educational and informational resources about credit, and the ability to sign up for and engage creditrepairinmyarea.com’s services.
You have our permission to use the Credit Repair Service, but only if:
If you are applying through the Service for an extension of credit with one of the third-party subscribers to the creditrepairinmyarea.com network ("Network Subscribers"), you must be an adult resident of the United States, including its Commonwealths and Territories. By applying for an extension of credit, you warrant and represent to creditrepairinmyarea.com and to the relevant Network Subscriber(s) that you are an adult resident of the US.
To ensure that creditrepairinmyarea.com provides a high-quality experience for you and other users of the Service, you acknowledge and agree that creditrepairinmyarea.com or its representatives may investigate complaints, allegations of abuse, infringement of third-party rights, or other unauthorized uses of the Service. creditrepairinmyarea.com is not required to disclose such an investigation unless required to do so by law. creditrepairinmyarea.com will cooperate fully with any law enforcement agencies in their investigation of potential violation of any applicable laws.
You may need to set up an account in order to use some of the features of the Service. You should not use someone else's account. When you are setting up your account, you must give us accurate and complete information. This means that you cannot set up an account using someone else's name or contact information, or a phony name or phony contact information. You have complete responsibility for your account and everything that happens on your account. This means you need to be careful with your password. If you find out that someone is using your account without your permission, you must let us know immediately. You may not transfer your account to someone else. We are not liable for any damages or losses caused by someone using your account without your permission. However, if we (or anyone else) suffer any damage due to the unauthorized use of your account, you may be liable.
We are making the Service available to you for your information and personal use only. You may not (and you agree not to) use, copy, distribute, transmit, broadcast, sell, or do anything else with the Service for any other purpose.
You are solely responsible for any User Content you post to the Service, and the consequences of posting or publishing it. By "User Content", we mean any Content you post to the Service. "Content" means information, data, text, software, music, sound, photos, graphics, videos, messages, tags, interactive features, or any other materials. When we say "post", we include posting, uploading, sharing, submitting or otherwise providing User Content in any manner in connection with the Service.
You may not:
1. use the Service for any illegal purpose;
2. submit User Content that you don't have the right to submit, unless you have the owner's permission; this includes material covered by someone else's copyright, patent, trademark, trade secret, privacy, publicity, or any other proprietary right;
3. forge headers or manipulate other identifiers in order to disguise the origin of any User Content you submit;
4. submit any User Content that contains lies, falsehoods or misrepresentations that could damage us or anyone else;
5. submit User Content that is illegal, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate;
6. transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;
7. impersonate anyone else or lie about your affiliation with another person or entity;
8. use meta tags or any other "hidden text" utilizing any of our or our suppliers' product names or trademarks;
9. upload, launch, post, email or transmit any material (including any bot, worm, scripting exploit or computer virus) that is likely to harm or corrupt the Service, or harm or corrupt our or anyone else's computer systems, or data;
10. use the Service to harm minors in any way, including posting User Content that violates child pornography laws, child sexual exploitation laws, or any other laws protecting children;
11. collect or gather other people's personal information (including account information) from the Service;
12. submit User Content which disparages us or our partners, vendor or affiliates; or
13. solicit, for commercial purposes, any users of the Service.
We have the sole right, but not necessarily the obligation, to delete at any time any User Content that violates these rules or that we believe to be inappropriate for any reason.
If you post User Content, you represent and warrant to us that you either own all the Content you are posting, or you have the right to post the Content. Furthermore, you represent and warrant that you have the right to allow us to make your User Content available for others to view and use as part of the Service without requiring that any such use be subject to additional obligations or terms. If you do not have these rights, do not post the Content. By posting your User Content, you do not lose any ownership rights you may have to it. However, subject to these Terms of Service and our Privacy Policy, you do grant us a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Service and our business, in any media formats or in tangible form and through any media channels now known or hereinafter developed. Subject to these Terms of Service and our Privacy Policy, you also grant each user of the Service a non-exclusive royalty-free, sublicensable and transferable license to access your User Content through the Service, and to use, reproduce, distribute, prepare derivative works of, display and perform your User Content as permitted through the functionality of the Service and under these Terms of Service.
We may retain information that you provide, and we obtain, during your use of the Service. We may, from time to time, use this information to match you with offers for products and services made available through various Network Subscribers, subject to our Privacy Policy. We will make these offers available to you at your convenience and there will be no obligation to accept any offer.
When you apply for a product or service through the Service, you are establishing a business relationship with creditrepairinmyarea.com and, in some cases, with companies that also provide products or services through us. If you submit a request or application for a product or service that is made available through the Service by a Network Subscriber, creditrepairinmyarea.com may share your personal information with Network Subscriber(s) with your permission or as permitted by law and described in creditrepairinmyarea.com's Privacy Policy. This information may be used by creditrepairinmyarea.com or provided by creditrepairinmyarea.com to third parties that may contact you, with respect to (A) your application or request, (B) the status of your application, (C) alternatives available to you in the event your application is rejected, (D) other products or services offered by or through creditrepairinmyarea.com and its Network Subscribers or (E) as relevant and as permitted by law, obtaining consumer report and public records information to verify your identity and process your request or application.
creditrepairinmyarea.com may provide you with access to Network Subscribers solely for your convenience. Some of these Network Subscriber sites may be co-branded (i.e., bear the name and/or logo of both the Network Subscriber and creditrepairinmyarea.com) or private labeled (i.e., bear the creditrepairinmyarea.com name, but be fulfilled by a Network Subscriber). The provision of access to a Network Subscriber does not signify an endorsement by creditrepairinmyarea.com of the Network Subscriber's website or the services offered by that Network Subscriber. creditrepairinmyarea.com has no control over, does not review, and cannot be responsible for Network Subscriber websites or the content on those sites. Your use of a Network Subscriber website, or services will be subject to the Network Subscriber's terms of use and Network Subscriber's privacy policy. If you decide to use the services of a Network Subscriber, or if you decide to purchase a product from a Network Subscriber, any transaction between you and that Network Subscriber (including any agreement governing such a transaction) will be strictly between you and the Network Subscriber. creditrepairinmyarea.com has no control over the Network Subscriber's obligations to you, and makes no representations or warranties with respect to the Network Subscriber's products, services or performance. It is your responsibility to take precautions to ensure that Network Subscriber websites are free of viruses or other items of a destructive nature. YOUR USE OF ANY THIRD PARTY SITE, EVEN IF ACCESSED THROUGH creditrepairinmyarea.com, WILL BE GOVERNED SOLELY BY THE TERMS OF USE AND PRIVACY POLICY OF THAT THIRD PARTY SITE. YOU AGREE THAT creditrepairinmyarea.com WILL NOT BE RESPONSIBLE OR LIABLE FOR LOSS OR DAMAGE YOU MAY INCUR AS THE RESULT OF A TRANSACTION YOU ENTER INTO WITH A NETWORK SUBSCRIBER, ANY INFORMATION YOU PROVIDE TO A NETWORK SUBSCRIBER, A NETWORK SUBSCRIBER'S COMPLIANCE WITH LAW, OR A NETWORK SUBSCRIBER'S MISUSE OF YOUR INFORMATION.
USE OF THE SERVICE IS AT YOUR OWN RISK. THE SERVICE IS PROVIDED ON A "AS IS" AND "AS AVAILABLE" BASIS. creditrepairinmyarea.com AND ITS AFFILIATES, SUPPLIERS, NETWORK SUBSCRIBERS AND PARTNERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
creditrepairinmyarea.com AND ITS AFFILIATES, SUPPLIERS, NETWORK SUBSCRIBERS AND PARTNERS MAKE NO WARRANTY THAT (A) THE SERVICE OR ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; OR (C) THAT THERE WILL BE NO ERRORS IN THE SERVICE OR THAT creditrepairinmyarea.com WILL FIX ANY ERRORS. ANY MATERIALS OBTAINED THROUGH USE OF THE SERVICE ARE OBTAINED AT YOUR OWN DISCRETION AND RISK AND creditrepairinmyarea.com SHALL NOT BE RESPONSIBLE FOR ANY DAMAGE CAUSED TO YOUR COMPUTER OR DATA OR FOR ANY BUGS, VIRUSES, TROJAN HORSES OR OTHER DESTRUCTIVE CODE RESULTING FROM USE OF THE SERVICE OR ANY CONTENT OBTAINED FROM THE SERVICE.
ALTHOUGH creditrepairinmyarea.com STRIVES TO PROVIDE INFORMATION THAT CONSUMERS MAY FIND HELPFUL, THIS INFORMATION SHOULD NOT BE CONSIDERED CREDIT OR LEGAL ADVICE. YOU SHOULD NOT USE THE GENERAL INFORMATION PROVIDED BY THE SERVICE AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT PROFESSIONAL.
SOME STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS, WHICH VARY FROM STATE TO STATE.