TERMS OF SERVICE
PLEASE READ THESE WEBSITE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE (THE “WEBSITE”) OR USING OUR SERVICES. THESE WEBSITE TERMS OF SERVICE (THE “TERMS OF SERVICE”) GOVERN YOUR ACCESS TO AND USE OF THE WEBSITE AND OUR SERVICES. THE WEBSITE AND OUR SERVICES ARE AVAILABLE FOR YOUR USE ONLY ON THE CONDITION THAT YOU AGREE TO THE TERMS OF SERVICE SET FORTH BELOW. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF SERVICE, DO NOT ACCESS OR USE THE WEBSITE OR USE OUR SERVICES. BY ACCESSING OR USING THE WEBSITE OR OUR SERVICES, YOU AND THE ENTITY YOU ARE AUTHORIZED TO REPRESENT (“YOU” OR “YOUR”) SIGNIFY YOUR AGREEMENT TO BE BOUND BY THE TERMS OF SERVICE.
1. User Eligibility
The Website and our services are provided by ConsumerCreditUS.com and available only to entities and persons over the age of legal majority who can form legally binding agreement(s) under applicable law. If You do not qualify, you are not permitted to use the Website or our services.
2. Scope of Terms of Use
These Terms of Service govern Your use of the Website and all applications, software, and services (collectively, “Services”) available on and through the Website, except to the extent such Services are the subject of a separate agreement. Specific terms or agreements may apply to the use of certain Services and other items provided to You on the Website (“Service Agreement(s)”). Any such Service Agreements accompany the applicable Services or are listed in association with or through a hyperlink associated with the applicable Services. When you submit an inquiry, it is possible that a lender may pull your credit but only if you first give them permission.
3. Use License
Any and all intellectual property rights (“Intellectual Property”) associated with the Website and its contents (the “Content”) are the sole property of ConsumerCreditUS.com, its affiliates or third parties. The Content is protected by copyright and other laws in both the United States and other countries. Elements of the Website are also protected by trade dress, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Website are trademarks, service marks or trade dress (“Marks”) of ConsumerCreditUS.com, its affiliates or other entities that have granted ConsumerCreditUS.com the right and license to use such Marks and may not be used or interfered with in any manner without the express written consent of ConsumerCreditUS.com. Except as otherwise expressly authorized by these Terms of Service, you may not copy, reproduce, modify, lease, loan, sell, create derivative works from, upload, transmit, or distribute the Intellectual Property of the Website in any way without ConsumerCreditUS.com’s or the appropriate third party’s prior written permission. Except as expressly provided herein, ConsumerCreditUS.com does not grant to you any express or implied rights to ConsumerCreditUS.com’s or any third party’s Intellectual Property.
ConsumerCreditUS.com grants you a limited, personal, non-transferable, non-sublicensable, revocable license to (a) access and use only the Website, Content and Services only in the manner presented by ConsumerCreditUS.com, and (b) access and use the ConsumerCreditUS.com computer and network services offered within the Website only in the manner expressly permitted by ConsumerCreditUS.com. Except for this limited license, ConsumerCreditUS.com does not convey any interest in information or data available via the ConsumerCreditUS.com website, Content, Services, Website or any other ConsumerCreditUS.com property by permitting you to access the Website. Except to the extent required by law or as expressly provided herein, none of the Content and/or Information may be reverse-engineered, modified, reproduced, republished, translated into any language or computer language, re-transmitted in any form or by any means, resold or redistributed without the prior written consent of ConsumerCreditUS.com. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way, unless expressly permitted to do so by ConsumerCreditUS.com.
4. Obtaining a Password; Use of Your Password
Certain areas of our Website may be accessible only to users that have a username and password. If you obtain a username and password, please keep in mind that we will treat anyone who uses your complete login credentials as “you.” We will provide this user with all of the rights and privileges that we provide to you, and we will hold you responsible for user activities associated with your username and password. We therefore recommend that you maintain your username and login credentials in confidence, and that you refrain from disclosing this information to anyone who might “pretend” to be you with respect to your use of our Website. We also require that you notify us immediately if you suspect that someone is using your username and password in this manner.
5. Code of Conduct
By using our Website, you agree to comply with these Terms of Service, and to follow our Code of Conduct, which is set out below. Under this Code, you shall not:
Use the Website in a manner that could disable, overburden or impair the Website or interfere with any other parties’ use and enjoyment of the Website.
Seek to obtain access to or acquire material or information that we have not intentionally made available to you on the Website through “hacking,” “scraping,” or other means.
Submit material that is intentionally false, defamatory, threatening or harassing, or otherwise unlawful.
Transmit material through the Website that you know or should know contains viruses, Trojan horses, worms, time bombs, cancelbots, or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.
By using our Website and our services, you represent that you have taken appropriate steps to secure your computing device, including, but not limited to, using an updated operating system, using anti-virus software, and conducting periodic scans for malware, viruses, or other harmful material.
6. Monitoring; Revocation or Suspension of Use Privileges
We reserve the right at any time to (i) monitor your use of the Website, and (ii) terminate or suspend your use of some or all of the Site or Services if you engage in activities that we conclude, in our discretion, breach our Code of Conduct or otherwise violate these Terms or our Privacy Policy. Although we have no – and assume no – obligation to monitor activities on the Website, please understand that we may employ filters designed to detect and block inappropriate content described in our Code of Conduct. We reserve the right to request edits to your submission, to refuse to post or to remove any information or materials, in whole or in part, that we believe, in our sole discretion, is incompatible with our Code of Conduct
You should also understand that our Code of Conduct is based in many instances on principles of applicable law. Violations of our Code of Conduct accordingly may expose you to criminal charges, and civil liability to harmed parties for compensatory damages and attorney’s fees. We reserve the right at all times to disclose information it deems necessary to satisfy any applicable law, regulation, legal process or governmental request, consistent with our Privacy Policy.
7. Disclaimer
ConsumerCreditUS.com MAKES NO REPRESENTATIONS ABOUT THE RESULTS TO BE OBTAINED FROM USING THE WEBSITE, THE SERVICES, THE INFORMATION OR THE CONTENT. THE USE OF SAME IS AT YOUR OWN RISK.
THE WEBSITE, THE INFORMATION, THE SERVICES AND THE CONTENT ARE PROVIDED ON AN “AS IS” BASIS. ConsumerCreditUS.com, ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE. ConsumerCreditUS.com AND ITS AFFILIATES, LICENSORS AND SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, SECURITY OR TIMELINESS OF THE CONTENT, INFORMATION OR SERVICES PROVIDED ON OR THROUGH THE USE OF THE WEBSITE. NO INFORMATION OBTAINED BY YOU FROM THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED BY ConsumerCreditUS.com IN THESE TERMS OF SERVICE.
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTY, SO THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION MAY NOT APPLY TO YOU. IF YOU ARE DEALING AS A CONSUMER, YOUR STATUTORY RIGHTS THAT CANNOT BE WAIVED, IF ANY, ARE NOT AFFECTED BY THESE PROVISIONS. YOU AGREE AND ACKNOWLEDGE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND WARRANTY PROVIDED IN THESE TERMS OF SERVICE ARE FAIR AND REASONABLE.
8. Limitation of Liability
In no event shall ConsumerCreditUS.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on ConsumerCreditUS.com’s Internet site, even if ConsumerCreditUS.com or a ConsumerCreditUS.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
9. Indemnity
You agree to defend, indemnify, and hold ConsumerCreditUS.com harmless from any liability to third parties, including reasonable attorneys’ fees, arising from or related to: (i) your use of the Website, Content and Services; (ii) your breach of any obligation under these Terms of Service or the Privacy Policy; and (iii) any claims brought against us by third parties resulting from your actions or inactions.
10. Revisions and Errata
The materials appearing on ConsumerCreditUS.com’s web site could include technical, typographical, or photographic errors. ConsumerCreditUS.com does not warrant that any of the materials on its web site are accurate, complete, or current. ConsumerCreditUS.com may make changes to the materials contained on its web site at any time without notice. ConsumerCreditUS.com does not, however, make any commitment to update the materials.
11. Links
The Website may contain links to third-party Websites and resources (collectively, “Linked Sites”). These Linked Sites are provided solely as a convenience to You and not as an endorsement by ConsumerCreditUS.com of the content on such Linked Sites. ConsumerCreditUS.com makes no representations or warranties regarding the correctness, accuracy, performance or quality of any content, software, service or application found at any Linked Site. ConsumerCreditUS.com is not responsible for the availability of the Linked Sites or the content or activities of such sites. If You decide to access or interact with Linked Sites, you do so at Your own risk. In addition, Your use of, or interaction with Linked Sites is subject to any applicable policies and terms and conditions of use, including but not limited to, the Linked Site’s privacy policy.
Based on the information you provide, an offer may be made. If an offer is made, it is made by one or more of our partners and NOT by ConsumerCreditUS. Any offer that is made is subject to an Agreement that needs to be authorized by both parties. Click here for sample agreement. ConsumerCreditUS.com is a third-party referral service, referring customers to lenders and partners. ConsumerCreditUS.com is not a lender and does not make any credit decisions. The offer amount and interest rates are based on the information you have provided to us and is subject to change based on many varying factors. Each lending partner has its own criteria and is free to make its own credit decisions and are under no obligation whatsoever to you or to us. We may or may not be affiliated with the lenders and partners. Lenders or partners may have their own offers and/or terms and conditions. Please refer to their website as their offers and/or terms and conditions and/or privacy policy may be different from ours.
12. Site Terms of Service Modifications
ConsumerCreditUS.com may revise and update these Terms of Service at any time. Your continued usage of the Website after any changes to these Terms of Service will constitute Your acceptance of those changes. Any aspect of the Website may be changed, supplemented, deleted or updated without notice at the sole discretion of ConsumerCreditUS.com. ConsumerCreditUS.com may also change or impose fees for products and services provided through the Website at any time in its sole discretion. ConsumerCreditUS.com may establish or change, at any time, general practices and limits concerning other ConsumerCreditUS.com products and services in its sole discretion.
13. Governing Law and Jurisdiction
Any claim relating to ConsumerCreditUS.com’s web site shall be governed by the laws of the State of New Jersey without regard to its conflict of law provisions.
TO THE FULLEST EXTENT PERMITTED BY LAW, YOU HEREBY EXPRESSLY AGREE THAT ANY PROCEEDING ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE, INFORMATION, SERVICES AND CONTENT SHALL BE INSTITUTED IN A STATE OR FEDERAL COURT SITTING IN THE COUNTY OF HUDSON, NEW JERSEY, UNITED STATES OF AMERICA AND YOU EXPRESSLY WAIVE ANY OBJECTION THAT YOU MAY HAVE NOW OR HEREAFTER TO THE LAYING OF THE VENUE OR TO THE JURISDICTION OF ANY SUCH PROCEEDING. YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, INFORMATION, SERVICES AND/OR CONTENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE.
14. Privacy Policy
The ConsumerCreditUS.com Privacy Policy governs the use of information collected from or provided by you on the Website. With respect to any individual whose Personal Information is provided by you to ConsumerCreditUS.com, You represent to ConsumerCreditUS.com that you have obtained all necessary consents for the processing of such Personal Information contemplated by the Services You are using and by the ConsumerCreditUS.com Privacy Policy, including the transfer of such data to the United States or other countries whose laws may not provide the same level of protection for the personal data as the laws of the country of origin of such individual.
15. Assignment and No Third Party Beneficiary
Your rights under these Terms of Service are yours alone and do not create any third-party beneficiary interest in another party. Furthermore, these Terms of Service shall not be assignable by you, either in whole or in part. We reserve the right to assign the rights and obligations under these Terms of Service for any reason and in our sole discretion.
16. Complete Agreement
EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE LICENSE, SERVICE OR OTHER WRITTEN AGREEMENT BETWEEN YOU AND ConsumerCreditUS.com, THESE TERMS OF SERVICE CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND ConsumerCreditUS.com WITH RESPECT TO THE USE OF THE WEBSITE, AND ANY SOFTWARE OR SERVICE, INFORMATION AND CONTENT CONTAINED THEREIN, AND SUPERSEDE ALL DISCUSSIONS, COMMUNICATIONS, CONVERSATIONS AND AGREEMENTS CONCERNING THE SUBJECT MATTER HEREOF.
19. Customer Service
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of Personal Information is protected and maintained.
If you have any questions or concerns, please contact us at help@ConsumerCreditUS.com.