This AAA Credit Repair Internet Web Site Terms and
Conditions of Use Agreement (the “Terms of Use”) is
between the party clicking “accept” below and/or using The
Site (”you”) and AAA Credit Repair(”we” or “us”), You
should carefully read the Terms of Use before using The
Site. By using The Site you agree to be bound by the terms
and conditions of use set forth in the Terms of Use. This
is a legally binding agreement. If you do not agree with
the Terms of Use you should not use The Site and must
leave The Site.
1. We agree to provide you access to The Site in
accordance with the Terms of Use.
2. You agree to use The Site in a manner consistent with
the Terms of Use and all applicable rules and regulations.
You acknowledge that you have read the Terms of Use and
that you accept the terms thereof. You agree to read these
terms of use carefully before using The Site. If you do
not agree to the Terms of Use, you may not access or
otherwise use The Site.
3. You accept that The Site is provided on an “as is, as
available” basis.
4. The materials included in The Site are for general
information purposes only and do not constitute legal
advice. They are not intended to be a substitute for
obtaining legal advice from legal counsel. ALL ARTICLES
AND MATERIAL DISPLAYED BY US ON THE SITE ARE FOR
INFORMATION ONLY, ARE NO SUBSTITUTE FOR SPECIFIC ADVICE,
AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR
OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE
THEREFORE. FOR SPECIFIC LEGAL ADVICE REGARDING YOUR
PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN LEGAL COUNSEL.
AAA Credit Repair does not represent or endorse the
accuracy or reliability of any advice, opinion, statement,
or other information displayed or distributed through The
Site. You acknowledge that any reliance upon any such
materials, opinion, advice, statement, memorandum, or
information shall be at your sole risk. AAA Credit Repairr
eserves the right, in its sole discretion, to correct any
errors or omissions in any portion of The Site.
5. YOUR ACCESS TO AND USE OF THE SITE MAY BE TERMINATED AT
ANY TIME FOR ANY REASON OR FOR NO REASON BY YOU OR BY US.
6. WE MAY, SUBJECT TO AND IN ACCORDANCE WITH OUR PRIVACY
POLICY FOR MARKETING AND OTHER PURPOSES, COLLECT, PROCESS
AND TRANSMIT CERTAIN DATA OBTAINED FROM AND ABOUT YOU IN
THE COURSE OF YOUR ACCESSING THE SITE. BY AGREEING TO
THESE TERMS YOU AGREE TO SUCH DATA BEING SO USED AND
FURTHER AGREE THAT IT MAY BE TRANSMITTED TO OTHERS WHETHER
OR NOT WITHIN THE UNITED STATES IN ACCORDANCE WITH OUR
PRIVACY POLICY AND UNDER APPLICABLE PRIVACY AND DATA
PROTECTION LEGISLATION. Information on how and what type
of data (if any) is held about you can be obtained by
clicking
here to
review our privacy policy or by
contacting us.
7.The Site is protected by copyright as a collective work
and/or compilation, pursuant to U.S. copyright laws,
international conventions, and other copyright laws. You
are authorized to download one copy of the material
displayed or performed on The Site (”Content”) on one
computer for your personal, non-commercial use only but
you may not in so doing remove or amend any trademark,
copyright or other proprietary notice. All materials
contained on The Site are protected by copyright, and are
owned or controlled by AAA Credit Repair or the party
credited as the provider of the Content. You will abide by
any and all additional copyright notices, information, or
restrictions contained in any Content on The Site.
Permission is given to view the material on these web
pages and save that material only for your personal
reference. Copying or storing of any Content for other
than personal, noncommercial use is expressly prohibited
without the prior written permission from AAA Credit
Repair or the copyright holder identified in the
individual Content's copyright notice.
8. Subject to the above, you may not modify, copy,
distribute, republish or upload any of the material on The
Site in any way unless you obtain the prior written
consent of AAA Credit Repair No intellectual property or
other rights shall be transferred to you through your use
of The Site. We are not able to confirm that the materials
contained on these web pages are correct in every case.
AAA Credit Repair reserves the right to make changes to
The Site, including the availability of any feature,
database, Content, Web page materials, product information
and prices on The Site at any time without notice or
liability. AAA Credit Repair may also impose limits on
certain features and services or restrict your access to
parts or all of The Site without notice or liability.
9. To the extent that any portions of The Site (such as
“chat rooms” or “bulletin boards”) provide users an
opportunity to post and exchange information, ideas or
opinions (”Postings”), BE ADVISED THAT WE DO NOT SCREEN,
EDIT, OR REVIEW POSTINGS PRIOR TO THEIR APPEARANCE ON THIS
WEB SITE, and Postings do not necessarily reflect our
views. To the fullest extent permitted by applicable laws,
we exclude all responsibility and liability for the
Postings or for any losses or expenses resulting from
their use and/or appearance on The Site.
10. You represent, warrant and covenant that: (a) you
shall not upload, post or transmit to or distribute or
otherwise publish through The Site any materials which (i)
restrict or inhibit any other user from using and enjoying
The Site, (ii) are unlawful, threatening, abusive,
libelous, defamatory, obscene, vulgar, offensive,
pornographic, profane, sexually explicit or indecent,
(iii) constitute or encourage conduct that would
constitute a criminal offense, give rise to civil
liability or otherwise violate law, (iv) violate,
plagiarize or infringe the rights of third parties
including, without limitation, copyright, trademark,
patent, rights of privacy or publicity or any other
proprietary right, (v) contain a virus or other harmful
component, (vi) contain any information, software or other
material of a commercial nature, (vii) contain advertising
of any kind, or (viii) constitute or contain false or
misleading indications of origin or statements of fact;
and (b) that you are at least eighteen (18) years old.
11. We reserve the right to monitor all Postings or other
materials posted on The Site and to remove any which we
consider in our absolute discretion to be: (a) offensive,
(b) inappropriate, (c) criminal or (d) otherwise in breach
of these Terms of Use. We do not and cannot review all
materials posted to The Site by users, and we are not
responsible for any such materials posted by users.
However, we reserve the right at all times to disclose any
information as necessary to satisfy any law, regulation or
government request, or to edit, refuse to post or to
remove any information or materials, in whole or in part,
that in the sole discretion of AAA Credit Repair are
objectionable or in violation of these Terms of Use.
12. You hereby represent and warrant that you have all
necessary rights in and to all Postings you provide and
all material they contain and that such Postings shall not
infringe any proprietary or other rights of third parties.
By posting messages, uploading files, inputting data or
engaging in any other form of communication (individually
or collectively “Communications”) to The Site, you hereby
grant to AAA Credit Repair, subject to our privacy policy,
a perpetual, worldwide, irrevocable, unrestricted,
non-exclusive, royalty free license to use, copy, license,
sublicense, adapt, distribute, display, publicly perform,
reproduce, transmit, modify, edit and otherwise exploit
such Communications, in all media now known or hereafter
developed. You hereby waive all rights to any claim
against AAA Credit Repair for any alleged or actual
infringements of any proprietary rights, rights of privacy
and publicity, moral rights, and rights of attribution in
connection with such Communications.
13. You acknowledge that transmissions to and from The
Site are not confidential and your Communications may be
read or intercepted by others. Any unprotected e-mail
communication over the Internet is subject to possible
interception or loss, is not confidential and is also
subject to possible alteration. We are not responsible for
and will not be liable to you or any third party for
damages in connection with an e-mail sent by you to us or
an e-mail sent by us to you, or anyone you designate, at
your request. Violators of this section who use our
services for any illegal purpose including but not limited
to repeated unwanted emails or “Spam,” may be prosecuted
to the full extent of the law.” You acknowledge that by
submitting Communications to AAA Credit Repair, no
confidential, fiduciary, contractually implied or other
relationship is created between you and AAA Credit Repair
other than pursuant to these Terms of Use and any
subsequent written agreement entered into with AAA Credit
Repair.
14. THE SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS,
MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED
THROUGH THE SITE, IS PROVIDED “AS IS, AS AVAILABLE.” TO
THE FULLEST EXTENT PERMISSIBLE BY LAW. AAA Credit Repair
AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO REPRESENTATION
OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON
THE SITE OR THE MATERIALS, INFORMATION AND FUNCTIONS MADE
ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE
SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO
THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED
WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE
SITE OR ANY LINKED SITE. FURTHER, AAA Credit Repair AND
ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR
IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION,
NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE. AAA Credit Repair DOES NOT WARRANT
THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS
OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR
ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE
SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF
VIRUSES OR OTHER HARMFUL COMPONENTS. AAA Credit Repair AND
ITS SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE FOR
THE USE OF THE SITE, INCLUDING, WITHOUT LIMITATION, THE
CONTENT AND ANY ERRORS CONTAINED THEREIN. FURTHER, IN NO
EVENT WILL AAA Credit Repair BE LIABLE FOR ANY LOSS OF
PROFITS, BUSINESS, USE OF DATA OR FOR INDIRECT, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHETHER
BASED IN CONTRACT, NEGLIGENCE OR OTHER TORT. TO THE
FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, WE ON BEHALF
OF OUR EMPLOYEES, AGENTS, SUPPLIERS, AND CONTRACTORS,
DISCLAIM AND EXCLUDE LIABILITY FOR ANY LOSSES AND EXPENSES
OF WHATEVER NATURE AND HOWSOEVER ARISING, INCLUDING
WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL,
PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF
DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT,
LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, OR
OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES,
ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS THE
SITE OR ANY WEB SITE WITH WHICH IT IS LINKED. YOU ASSUME
TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR
DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY.
15. You hereby agree to indemnify, defend and hold AAA
Credit Repair, and all its officers, directors, owners,
agents, employees, information providers, affiliates,
licensors and licensees (collectively, the “Indemnified
Parties”) harmless from and against any and all liability
and costs 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 cooperate as fully as
reasonably required in the defense of any claim. AAA
Credit Repair reserves the right, at its own expense, 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 AAA Credit Repair.
16. Where we provide hypertext links from or to third
party sites we do so for convenience and information
purposes only. We do not review, endorse, approve or
control, and are not responsible for any sites linked from
or to the Website, the content of those sites, the third
parties named therein, or their products, resources or
services. Linking to any other site is at your sole risk
and we will not be responsible or liable for any damages
in connection with linking, and we accept no liability nor
make any endorsement or approval of the same.
17. These Terms of Use contain the entire understanding
between us with respect of The Site and no representation,
statement, inducement oral or written, not contained
herein shall bind either of us. AAA Credit Repair reserves
the right, at its sole discretion, to change, modify, add
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 on The Site.
18. Should any part of the Terms of Use be declared
invalid or unenforceable by a court of competent
jurisdiction, this shall not affect the validity of any
remaining portion and such remaining portion shall remain
in full force and effect as if the invalid portion of the
Terms of Use had been eliminated.
19. The Site, any information provided from it and the
Terms of Use are given and made in the state of Utah,
United States of America. THIS TERMS OF USE AGREEMENT
SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE
LAWS OF THE STATE OF UTAH, WITHOUT REGARD TO CONFLICTS OF
LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR ANY
ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS
TERMS OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR
FEDERAL COURT LOCATED IN SALT LAKE COUNTY IN THE STATE OF
UTAH.
20. Pursuant to Federal law we are providing the following
separate written statement for your review and to
acknowledge receipt thereof, which, pursuant to the
requirements of Federal law, will also be delivered with
any contract for credit report repair services entered
into with AAA Credit Repair:
21. We are not a credit repair company. We provide access
to our network of services designed for people who are
looking to improve, repair or rebuild their credit,
finances, purchase a home, consolidate debt, need access
to cash or other services we feel would benefit our
members. The fees paid to us for being a member do not
guarantee any credit or improvement of any kind.
22. The terms and conditions of use in this Terms of
Use are subject to change at any time. You should review
the Terms of Use regularly for any changes.
Disclosure Statement Required Pursuant to Federal Law
Consumer Credit File Rights Under State And Federal Law
You have a right to dispute inaccurate information in your
credit report by contacting the credit bureau directly.
However, neither you nor any “credit repair” company or
credit repair organization has the right to have accurate,
current, and verifiable information removed from your
credit report. The credit bureau must remove accurate,
negative information from your report only if it is over 7
years old. Bankruptcy information can be reported for 10
years.
You have a right to obtain a copy of your credit report
from a credit bureau. You may be charged a reasonable fee.
There is no fee, however, if you have been turned down for
credit, employment, insurance, or a rental dwelling
because of information in your credit report within the
preceding 60 days. The credit bureau must provide someone
to help you interpret the information in your credit file.
You are entitled to receive a free copy of your credit
report if you are unemployed and intend to apply for
employment in the next 60 days, if you are a recipient of
public welfare assistance, or if you have reason to
believe that there is inaccurate information in your
credit report due to fraud.
You have a right to sue a credit repair organization that
violates the Credit Repair Organization Act. This law
prohibits deceptive practices by credit repair
organizations.
You have the right to cancel your contract with any credit
repair organization for any reason within 3 business days
from the date you signed it.
Credit bureaus are required to follow reasonable
procedures to ensure that the information they report is
accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing
that you dispute the accuracy of information in your
credit file. The credit bureau must then reinvestigate and
modify or remove inaccurate or incomplete information. The
credit bureau may not charge any fee for this service. Any
pertinent information and copies of all documents you have
concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve
the dispute to your satisfaction, you may send a brief
statement to the credit bureau, to be kept in your file,
explaining why you think the record is inaccurate. The
credit bureau must include a summary of your statement
about disputed information with any report it issues about
you.
The Federal Trade Commission regulates credit bureaus and
credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
WPB_DS-25834-1
