PRIVACY POLICY

Your privacy is important to USA Credit Repair Co. (The terms "we", "us" and "our" in this document mean ). Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer and store your information. By visiting our website or agreeing to any content that contains a link to this document ("Online Ads"), you consent to the practices described in this Privacy Policy and our Terms of Service. (Specific state data protection regulations are listed in Section 13 of this Privacy Policy).

1. Our collection and use of personal information

Personal data includes information that you provide to us that can be used to identify or contact an individual, such as your name, address, email address, telephone number, and social security number. You may be asked to provide personal information when interacting with us, online advertisements, or any of our affiliates, e.g. B. in connection with a completed or canceled transaction or a request for information from us. and its affiliates and service providers may share your personal information and use it in accordance with this Privacy Policy.

2. Examples of Personal Information We Collect and How We Use It

You may provide us with a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and Social Security Number. The Personal Information we collect allows us to verify your identity, deliver requested products and services, and provide you with information and offers from Service Providers and Related Companies. These are financial and non-financial companies that assist us in providing services to members along with other third-party companies with whom we have a contractual relationship to provide marketing offers to members. It also allows us to stay in contact with you, and manage 's relationship with you. By providing us with Personal Information, you consent to our transfer and storage of that information.

SMS messages

If you agreed to receive SMS alerts, you agreed to receive recurring text messages containing updates to your account and credit from . Messages may be from an automatic dialing system. Message and data rates may apply. You can text STOP to ----- to cancel. Text HELP to ----- for help. Participation is not required for the purchase of services. This program is supported by Alltel, AT&T, Boost, T-Mobile®, Verizon Wireless, VirginMobile, MetroPCS and U.S. Cellular. Services are compatible with AT&T phones. Carriers are not responsible for delayed or undelivered messages. Email

We may also use your personal information for research, development, and analysis, and for advertising, marketing, security, fraud prevention, and other business activities.

For example, we may use your email address to:

• Verify your identity;
• Send you information about the status of your account or transaction;
• Contact you if we need your help to complete a transaction; and
• Send you newsletters, third-party marketing offers from service providers and related companies, and customer-related materials as permitted by law.

We have zero tolerance for email abuse. If you receive unwanted emails from us, please report them to us. We are not responsible for any communications you may receive from unaffiliated third parties.

We will never ask you to provide personal information in an email. DO NOT REPLY to an email that appears to be from us asking for personal information. Contact us immediately at ----------.

3. Our Collection and Use of Non-Personal Information

Non-personal information is information in a form that does not allow direct association with a specific person. This information is collected and analyzed on both a personal and aggregated basis. We may collect, use, monitor, analyze, transfer and disclose non-personal information for any purpose.

4. Examples of non-personal information we collect and how we use it

We may collect and aggregate information about user access, activity, and behavior on our website, such as when you visit the website and what content is of interest or appears to be most useful to you. If we combine non-personal information with personal information, the combined information is treated as personal information under this privacy policy.

Non-personal information includes:

Device Information – We may collect information specific to the device you use to access our website. For example, we may collect device models, operating system versions, application software, and fonts.

Cookies and other technologies – We use a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons and cookies or anonymous identifiers to your device. We use cookies and other technologies to analyze your behavior when you visit our website and to deliver advertisements to you that we believe are related to your interests.

Log Information – When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date/time stamps, cookie data, and clickstream data. We use log information to administer the Site, analyze trends, maintain Site security, learn about user behavior, and improve the overall quality and accessibility of the Site.

Click URLs – In some emails, we use a click URL to link to content on our website. When you click on one of these URLs, you go through a separate web server before reaching our website. We use click-through URLs to help us find interest in a particular topic and measure the effectiveness of our email communications.

Anonymized Information – If we separate non-personal information from personal information, the resulting anonymized information is treated as non-personal information under this Privacy Policy.

5. Our sharing of information with others

Personal information

We do not share personal information with companies or individuals outside of , except under the following circumstances:

Consent – We share your personal information with others when we have your consent to do so.

Service Providers – We provide personal information to related companies and other trusted businesses or individuals who use, analyze or process it on our behalf, based on our instructions and by appropriate confidentiality and security measures. For example, we may use others to:

• deliver, evaluate the effectiveness of, and help improve our products and services;
• conduct consumer surveys and satisfaction surveys;
• help us analyze and understand consumers and how to reach them more effectively;
• help us with fraud prevention, with our security measures, and provide us with technical support;
• provide member support;
• manage member data and ensure data integrity and accuracy;
• process financial transactions and perform accounting functions; and
• advertise, market, or offer products or services.

Legal Grounds - We will share personal information with others if we believe in good faith that disclosure is necessary or appropriate to:

• comply with applicable laws, regulations, legal procedures or government requests;
• protect our operations or members:
• detect, investigate or address fraud, security or technical issues; or
• investigate potential violations and enforce applicable terms of service.

In the event of a reorganization, merger or sale, we may transfer any personal information we collect to the relevant third party.

Non-Personal Information

We may share Non-Personal Information with the public and with our strategic partners. For example, we may share non-personal information to describe the size and success of our business.

6. Transparency and choice

We may use third-party display advertising companies, including online platforms, to serve our ads on their behalf on their websites. Our display advertisers and we use cookies to inform, optimize and serve ads based on your previous visits to our website.

You can find additional information, opt-out, or otherwise customize display advertising from online platforms by visiting the online platform's ad preferences manager.

You can find additional information and opt-out of other participating third-party image ads by visiting the Network Advertising Initiative's opt-out page.

We may use third-party analytics companies such as Google Analytics, Adobe, and Omniture to analyze and understand user behavior when visiting our website.

You can find additional information and opt out of Adobe Analytics by visiting the Google Analytics Opt-out Browser Add-on.

You can find additional information and opt out of Omniture Analytics by visiting the Adobe opt-out page.

You can also disable cookies in your browser. However, please note that some features will not function properly or will not be available after disabling cookies.

7. Social media plugins

Plugins for social networks such as Facebook, Twitter, LinkedIn, Yahoo, Windows, Google plus, etc. are integrated into the website.

By interacting with us via a social media plug-in, certain information will be transmitted to the associated social network, and you allow us to constantly access the information from your profile on the social network.

If you do not want a social network to collect information about you or share it with other third parties, please read the privacy policy of the relevant social network and/or log out of the relevant social network before visiting our website.

8. Information security and storage

We take precautions to protect your personal information from loss, theft and misuse, as well as from unauthorized access, disclosure, alteration and destruction. These precautions include technical, physical and administrative procedures.

As e-mail and instant messaging are not considered secure communication, please do not send us private information via e-mail or instant messaging.

We regularly check that we comply with our Privacy Policy and enforce internal safeguards.

We are committed to working with the relevant regulatory authorities to resolve any complaints about transfers of Personal Data that we cannot resolve with you directly.

We use Secure Sockets Layer (SSL) encryption on all pages where personal information is collected. This protects the confidentiality of your personal data when it is transferred over the Internet.

For your own safety, you should be careful about the information you share on the Internet. Always use a safe browser and use common sense when using passwords, e.g. using a combination of uppercase and lowercase letters, numbers, and special characters. Avoid using the same or similar passwords on multiple sites. We recommend using a password between 12 and 16 characters long.

You can access your personal information by logging into your account. We make good faith efforts to provide you with means of quickly updating or deleting your personal information, unless we need to keep the information for a legitimate business or legal purpose. Some changes require personal contact with a designated representative.

We store personal data and non-personal information for the time necessary and reasonable to achieve the purposes set out in the Privacy Policy, unless a longer retention period is required or permitted by law or ethical obligations, including our obligation to keep case files for a reasonable period of time and relevant information necessary to protect legal claim or defense. We retain data for such information for seven (7) years.

We may decline requests to change or remove information that is overly repetitive, requires disproportionate technical effort (for example, requires the development of new systems or fundamental changes to existing systems), jeopardizes the privacy of others, or would be extremely impractical (such as information stored in backups).

We work to protect your data from accidental or malicious destruction. As a result, we cannot delete or change the remaining copies immediately, and we cannot delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide access to and correction of information free of charge.

9. Third Party Privacy Policy

This Privacy Policy only covers the use and disclosure of information we collect from you. This policy does not apply to the practices of companies that we do not own or control or those we do not employ or manage. We do not control the privacy policies of these third parties and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before disclosing your personal information to others. For more information on any such third party, please refer to the third party's privacy policy.

If you provided your data on the website of an unrelated entity, and that entity provided your data to us, the privacy policy of this website governs the use of your data by an unrelated entity, which may differ from this policy.

10. Children

We do not knowingly collect Personal Data from children under the age of 13. If we learn that we have collected personal information about a child under the age of 13, we will take steps to delete the Personal Information as soon as possible.

11. Changes and questions in the privacy policy

We may update our Privacy Policy from time to time. Changes to this Privacy Policy will be posted on our website with the appropriate update date. Check the site and online ads every time you use them to get the most up-to-date information and make sure you are aware of any updates.

12. Request for information

If you have any questions or concerns about our Privacy Policy, please contact us: information@USAcreditrepairco.com

If you no longer wish to receive our emails, you can click the unsubscribe link in the footer of any email you receive or in your email preferences.

13. State protection of privacy

California Residents

You have the right to know that we will collect and store personal information, including your credit report data, to assist you with credit repairs and maintenance services. We collect this information from you, credit bureaus, public databases, data aggregators and other commercially available sources. The categories of this personal data include:

Personal identifiers to authenticate your identity and obtain the requested credit reports;

Credit report data to help identify and challenge fraudulent, unreasonable and inaccurate items;

Internet / network activity to inform, optimize and display advertisements based on your previous visits to our website (see below section 6. Transparency and selection for additional information); and

Audio and electronic information (to record contracts and authorizations given over the phone or through our websites).

We will share your personal information with our service providers when it is necessary to process your requests, handle your case or report to credit bureaus or your creditors. You have the right to request up to two times in a 12-month period:

• The categories of personal data we have collected about you in the last 12 months;

• Categories of sources from which we collect personal data;

• The business purpose of collecting or selling personal data;

• The categories of third parties with whom we share personal information;

• Specific personal data we have collected about you in the last 12 months;

• The categories of personal information we have sold about you and the categories of third parties to whom the personal information has been sold in the last 12 months, or verifying that no personal information has been sold;

• The categories of personal information we have disclosed about you for business purposes in the last 12 months or confirmation that no personal information has been disclosed.

In addition, California residents have the following rights: (1) the right to request deletion of personal information, subject to various exceptions, including matters governed by the Gramm-Leach-Bliley (GLBA) Act, or to comply with a legal obligation, whether generally applicable or not special; (2) the right to request that Personal Data not be sold to third parties, if applicable; and (3) the right not to be discriminated against in the light of any decision to exercise any of those rights.

To exercise any of these rights, please contact us:

When you make any of the above requests, we will verify your identity and your right to request information by asking you for information that may be matched with our information, such as your name, telephone number, social security number, or date of birth. We may also verify the user through a system login or other reasonable authentication service such as knowledge-based authentication.

In most cases, we will provide the requested information within 45 days of your request. If we need more time to process your request, we will notify you within the first 45 days and it may take an additional 45 days to process your request.

You may authorize an agent to make a request under these rights on your behalf by completing the notarized agent authorization form and submitting it along with the California Data Request web form or by sending it to us at , or .

In exercising your rights, you will not be deprived of service, provided a lower level or quality of service, or charged a different price for the services, including through rebates, benefits or penalties, unless the difference in price is reasonably related to the value provided to you. according to your data. However, if you exercise your right to have your personal data deleted, we will not be able to continue providing the service as our services depend on this personal data.

Please note that although we provide credit counseling services, they are subject to obligations under GLBA. GLBA has several definitions that will govern relevant privacy issues. Accordingly, the terms ``non-public personal information" or "personally identifiable financial information" will take precedence over the CCPA's definition of "personal information", "sale" or other important terms as defined by GLBA in matters relating to the services provided by us, our service providers. or agents.

Nevada Residents

We provide this notice in accordance with the laws of the State of Nevada. You can be included on our internal "Do Not Call" list by contacting us at ----------. Nevada law requires us to provide the following contact details: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Telephone number: 702.486.3132; e-mail: aginfo@ag.nv.gov or , , phone number: ----------. is a wholly owned subsidiary of .

TERMS OF USE

This Website Terms of Use Agreement ("Website Terms") is between you and , its past, present or future parents, subsidiaries, affiliates, predecessors, assigns, successors and their respective agents, employees, directors, officers , partners and members (whether they are acting in a corporate or individual capacity) ("", "we" or "us"), with their principal place of business at . In any other language in the Site Terms, the Site Terms have the same effect as a written agreement and govern your use of this site and its content (the "Site"), your use of services, your request that will contact you about credit repair services and / or your participation in the text messaging program. 's "text messaging program" includes sending text messages to and / or receiving text messages from.

's privacy policy applies to your use of the website, all services provided by us, requests to contact for credit repair services and / or participation in the text messaging program and its Terms and Conditions are part of the Terms of Use. To read the Privacy Policy, click here. By using the website, our services, by asking to contact you about credit repair services, and / or by participating in the text messaging program, you acknowledge that you have read the Privacy Policy and you agree to its terms.

BY USING 'S WEBSITE, ENGAGING 'S SERVICES, REQUESTING TO CONTACT YOU ABOUT ITS SERVICES AND/OR PARTICIPATING IN 'S SERVICES, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND USACREDITREPAIRCO.COM ONLY ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS. A "Claim" IS ANY ACTION, CONTROVERSY, DISPUTE, TORT, DISPUTE, ACTION, LEGAL PROCEEDING OR CLAIM ARISING BETWEEN YOU AND , INCLUDING BUT NOT LIMITED TO ANY ALLEGED CLAIM OR A DEVELOPMENT OVER THE INTERPRETATION OF THE WEBSITE TERMS OR VIOLENCE OF ANY REQUIREMENTS UNDER THE WEBSITE TERMS. THIS ARBITRATION AGREEMENT GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH . YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION OR CLASS ACTION ACTION; AND (C) FILING AN ACTION AGAINST IN A COURT. YOU MAY INDIVIDUALLY BRING ANY CLAIM AGAINST IN ANY JURISDICTION IN THE UNITED STATES. WILL REFUND YOU UP TO $300 OF YOUR ARBITRATION FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION AS APPLICABLE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control any inconsistency between the American Arbitration Association Rules and the Website Terms). The arbitrator shall have the authority to interpret the Site Terms, including, but not limited to, the authority to determine whether any Claim is arbitrable under the Site Terms, and to determine matters relating to the scope of the arbitration, the arbitration rules, the jurisdiction of the arbitrator, and the enforcement of the website terms. You agree that the Site Terms involve commerce under 9 U.S.C. §§ 1 et seq. and that this arbitration clause is governed by federal law, including the Federal Arbitration Act. The rest of the Site Terms are governed by the laws of the State of —---, as set forth in Section 19 below.

1. About the Site Terms

If you do not accept the terms of the website, you must not use the website. We can change the terms of the website at any time. If you do not accept the changes, you must stop using the Website, stop using 's services, withdraw your request to contact you about its credit repair services and/or discontinue your participation in 's Text Message Program before the changes take effect. Your continued use of the Website, use of 's services, request that contact you about its credit repair services and/or participation in 's SMS program after such changes become effective constitutes your acceptance of such changes . Each time you visit or log into the Site, continue to use 's services, continue your request to contact you about its credit repair services, and/or participate in 's SMS program, you confirm your acceptance of website terms. You are responsible for regularly reviewing the Site Terms by clicking on the "Terms of Use" link at . The Website Terms may be supplemented by additional terms and conditions that apply to privacy, specific areas of this Website, or where particular content or transactions are published in certain areas of the Website and, together with the Website Terms, govern your use of those areas, content or transactions.

2. About the website

The Website provides users with information about 's credit repair services, general educational and informational resources about credit, and the ability to register and engage in 's services.

3. Signing up for 's services

You are not required to sign up for 's services to visit and read material on the Website; However, you must register if you want to assist you in your efforts to improve your credit reports and rating. If you register, you agree to provide accurate and complete information. You must be legally able to enter into contracts. It is your responsibility to make any updates to this information. Each registration is for one person only. We do not allow any other person to sign up for 's services on behalf of someone else unless you have an appropriate power of attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you must immediately notify by emailing memberservices@.

If you participate in 's text message program after you have signed up for services, you may stop receiving service messages by typing STOP (and no other words or characters) to the short code from which you received the text message(s). Almost all STOP requests are handled immediately, but it may take up to 3 business days from the date you text STOP to be removed from 's text message list(s). Note that texting STOP in response to a servicing text message will only stop servicing text messages, and will only stop text messages to the phone number you used to send STOP.

4. Member Files

Should you choose to sign up for 's services, you will enter into a separate written agreement with . Each file we create in connection with this separate written agreement is called a "Member File". Your membership file will continue to be subject to the agreements that otherwise govern them, unless otherwise specified in the related agreement. Each member file will be subject to the following:

The terms or instructions displayed on a screen when you use the Service;

's policies and procedures applicable to the Member File and Online Service;

Applicable state and federal laws and regulations.

5. Access to member files

You are authorized to provide access to your member files through its online services. You may access your member file(s) at members. (the "Member Site") to obtain account payment information, a sequential record of services provided and notes to the file, credit report information received from you by and input in your file, your dispute instructions and other information. To access a membership file through the online service, you must have a password and the necessary hardware and software. Subject to the terms of this Agreement and any separate written agreements, you will generally be able to access your Member File through the Member Site seven days a week, 24 hours a day. Information about the member file is sent to the file at the time when the work with the member file is completed.

At certain times, the online services may not be available due to system maintenance or circumstances beyond our control. During these times, you may call at ---------- or email contact@ to obtain information about your member file.

6. Ownership

The Website contains information, content or advertising text, photographs, designs, graphics, images, audio and video recordings, animations and other materials and effects (collectively the "Content") that are protected by copyright, trademarks, service marks, trademarks, patents or other intellectual or proprietary rights owned by or other third parties. All trademarks and copyrighted information on the site belong to their respective owners. In addition, retains all right (including intellectual property rights), title and interest in the Site, the Technology and all underlying technology and data, including any enhancements, software, applications and enhancements related to the Site (the "Technology") (the terms Content and Technology taken together will be referred to as "Materials"). You may not remove any copyright, trademark or other proprietary notice from any electronic or printed copy.

7. Use of website and materials

Provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of conducting individual transactions with the Website. Any other use of the Website or Materials is strictly prohibited. You must neither directly nor indirectly:

• Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Site or the Materials without the express written permission of or the applicable licensee;

• Use the Materials for telemarketing, direct marketing and commercial mass email or by agents or representatives or email spammers;

• Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, lend, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributions or copyright notices;

• Use any network monitoring or discovery software to determine the architecture of the Site or extract information about usage or users;

• Reformat or frame any part of the Site or Materials;

• Use any device, software or routine that interferes with the proper functioning of the Site or otherwise attempt to interfere with the proper functioning of the Site;

• Take any action that imposes or in our judgment may impose an unreasonable or disproportionately large load on our infrastructure;

• Attempt to gain unauthorized access to other computer systems;

• Violates the terms of the website, applicable law or the rights of others; or disrupts or interferes with the security of or otherwise causes damage to the Site.

Any permitted use of the Website does not include using the Website or Materials for any unlawful purpose or to transmit any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic or other services to or through the Website or to or through any Service. offensive material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the website or materials.

Without limiting other remedies, we may limit, suspend or terminate our service and user accounts, prohibit access to our website, remove hosted content and take technical and legal steps to keep users off the website if we believe they are causing problems, possible legal obligations or acts contrary to the letter or spirit of our policies. We also reserve the right to cancel unverified accounts.

8. License

By using the Site, uploading content to or submitting material for use on the Site, you grant (or warrant that the owner of such rights has expressly granted) a perpetual, royalty-free, irrevocable, non-exclusive right and license to to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website in any form, medium or technology, now known or later developed throughout the universe. We need these rights to host and display your content.

Anonymous, aggregate information that does not contain personally identifiable information, which includes account information or other accessible data collected through your use of the Website, may be used or licensed by for various purposes, including but not limited to performing certain analytical research, performance tracking, benchmarking, helping to improve products and services, and assisting with troubleshooting and technical support.

9. Automated Activity

The Website may use robot exclusion methods, which include robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain parts of the Website. Much of the information on the website is updated on a real-time basis and is proprietary or licensed to by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Site for any purpose, including but not limited to performing "offline" searches and mirroring, without our express written permission as set forth in the then-current robots .txt file or HTML meta tags on the site. Additionally, you agree that you will not circumvent our robot exclusion methods or any other measures we may use to prevent or restrict access to the Site.

10. Linking

You may provide links to the website on this website only provided (a) you do not remove or obscure, by framing or otherwise, any part of the website, (b) you notify of such link by posting an email to contact@ and (c) you stop providing links to this website if requested by . If you wish to provide links to any section of the Site, please forward your request to at contact@ and will notify you if, in its sole and unfettered discretion, permission is granted and, if so, terms and conditions of the permit.

11. Representations

You represent and warrant to us that (a) you are legally capable of entering into contracts, (b) you will at all times provide us with true, accurate and up-to-date information about yourself, (c) you will at all times comply website terms and applicable law and (d) your use of the website and any transactions that you enter into with us will not infringe the rights of any third party.

's services and website, the underlying information, software and technology are subject to US export controls. None of the Site's services or content may be downloaded or otherwise exported or re-exported (i) to (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria or any other country subject to applicable US sanctions for the export or re-export of goods, (ii) to anyone on the US Treasury Department's Specially Designated Nationals and Blocked Persons List, or the US Commerce Department's Denied Persons List, Unverified Persons List, Entity List, or Sanctions for Non- dispersion. By using 's services and website, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of such country or on such list, and that you acknowledge that you are responsible for obtaining any necessary authorization from the US government to ensure compliance with US law.

12. Warranty, liability, indemnification

Makes no representations regarding the availability and performance of its website. You hereby acknowledge that any use of the website and reliance on any material is at your own risk and that we shall not be liable for any loss of data, lost profits or other damages or losses resulting from such use.

THE SITE AND THE MATERIALS ARE PROVIDED BY ON AN "AS IS" BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AS WITHOUT LIMITATION AND INFRINGEMENT OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE. THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE SITE OR THE MATERIALS WILL MEET YOUR REQUIREMENTS OR THE RESULTS THAT YOU MAY OBTAIN FROM YOUR USE OF THE SITE.

IN NO EVENT SHALL , ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES TO DATA, DAMAGE TO DATA, DAMAGES, PROPERTY OR ANY CLAIMS FROM YOU OR ANY THIRD PARTY WITH RESPECT TO THE SITE OR THE MATERIAL REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES AND DAMAGES. OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE IN PERFORMANCE, WHETHER RESULTING FROM AN ACT OF GOD, COMMUNICATION FAILURE, THEFT OR OTHERWISE. CANNOT BE LIABLE FOR ANY LOSS OR DAMAGE WHATSOEVER RESULTING FROM ANY ERROR ON THE INTERNET. Some states do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above exclusions may not apply to all users; in such states, liability is limited to the fullest extent permitted by law.

DOES NOT WARRANT THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL AVAILABLE THROUGH THE SITE WILL BE FREE OF VIRUSES, "WORMS", "TROJAN HORSES" OR THEIR HARMFUL COMPONENTS. 'S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY SHALL BE CANCELLATION OF YOUR ACCOUNT.

13. Compensation

You agree to indemnify, defend and hold , its officers, directors, employees, agents, representatives, sellers and distributors harmless from and against all claims, liabilities, damages, losses, costs, expenses or fees (including reasonable attorneys' fees); which such parties may incur as a result of or in consequence of your (or anyone using your account) breach or breach of any representation or obligation under the Website Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such event you agree to cooperate with our defense of such claim.

14. Privacy

We may, subject to and in accordance with our Privacy Policy for marketing and other purposes, collect, process and transfer certain data obtained from and about you in the course of your access to the Website or during a telephone consultation, including information collected in the course of an abandoned transaction. By accepting the Site Terms, you consent to such data being used in this manner and further agree that it may be transferred to others, whether or not within the United States, in accordance with our Privacy Policy and under applicable privacy and data protection laws. Information about 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.

15. Electronic Communications and Transactions

You agree to transact with us electronically. This means that you agree to all terms and conditions and to deal with us electronically, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years old and have access to the Internet to receive 's services, to request that contact you about its credit repair services, to participate in 's SMS program, and to view, print and store all documentation. You authorize us to send you important notices about the Site and any pending transactions to an email address you provide to us if you are a member of or have requested that we contact you about our credit repair services. It is your responsibility to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other email blocking features. If you no longer wish to transact with us electronically, you may no longer use the website or 's services. You may retrieve and review the Site Terms at any time by visiting https://www. and you may receive paper copies by calling at ----------.

16. Access

You are responsible for obtaining, at your own expense, all equipment and services necessary to access and use the Website, including all devices, Internet browsers and Internet access. If you access the Site or any Site Application through a mobile or wireless device, you are responsible for any charges your carrier may charge you for data, text messaging, and other wireless access or communication services.

17. Notice Regarding Technology

Your use of the website must comply with all applicable laws in the area where you access and use the website.

18. Miscellaneous

Reserves the right to investigate complaints or reported violations of the Website Terms and to take any action deems appropriate, including but not limited to reporting suspected illegal activity to law enforcement, regulators or other third parties and disclosing any information necessary or appropriate for such individuals or entities regarding user profiles, email addresses, usage history, posted materials, IP addresses, and traffic information. reserves the right to seek all remedies available at law and in equity for violations of the Website Terms, including, without limitation, the right to block access of any particular Internet address to any website. These incorporate by reference all notices on the Website and constitute the entire agreement regarding access to and use of the Website, your request that contact you regarding its credit repair services and/or your participation in the Text Messaging program. You agree that the terms and understandings set forth herein are reasonable. In the event that any provision or covenant of the Website Terms is held to be invalid, illegal or unenforceable for any reason by any court or arbitrator of any competent jurisdiction, including but not limited to its scope, such provision shall be severed and replaced with a new provision that most closely matches its original intent, and the remaining provisions of the Website Terms shall remain in full force and effect for the greatest period and for the fullest extent permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction finds any provision or agreement of the Website Terms too broad based on the circumstances at the time enforcement is sought, that court or arbitrator shall interprets and enforces the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.

THE WEBSITE TERMS SHALL BE GOVERNED BY AND GOVERNED IN ACCORDANCE WITH THE LAWS OF THE STATE OF ----, USA, AS APPLICABLE TO AGREEMENTS MADE THERE ONLY, WITH HOWEVER THAT THE ARBITRATION CLAIM WILL BE ADOPTED. The arbitration clause, the obligations in the first four paragraphs of the Website Terms and Sections 6 through 8, 11 through 15 and 17 through 20 will survive any termination of the Website Terms.

will not be deemed to have waived any rights or remedies in the Website Terms unless such waiver is in writing and signed by . No delay or negligence on the part of exercising any rights or remedies shall serve as a waiver of such rights or remedies or other rights or remedies. A waiver on any particular occasion should not be construed as a waiver of rights or remedies on any future occasion.

The Website Terms constitute the entire agreement and understanding between you and , except if you and may later agree in writing to change the Website Terms. The Website Terms supersede all prior agreements and understandings, oral or written, with respect to the subject matter herein.

19. Confidentiality of Information

ALL ARTICLES AND MATERIALS DISPLAYED BY US ON THE WEBSITE FOR INFORMATION ONLY (EXCEPT PRIVACY POLICY AND WEBSITE TERMS AND CONDITIONS, WHICH ARE BINDING CONTRACTS), ARE NOT A SUBSTITUTE FOR PARTICULAR PROVISIONS OR ANY SPECIFIC ADVICE OR ANY OTHER SPECIFIC ADVICE. REPLACE THEM. FOR SPECIFIC LEGAL ADVICE RELATING TO YOUR PARTICULAR CIRCUMSTANCES, YOU MUST INCLUDE A LEGAL CONSULTATION. does not represent or warrant the accuracy or reliability of any advice, opinion, statement or other information displayed or distributed through the Website. You acknowledge that any reliance on any such material, advice, advice, statement, memorandum or information is at your own risk. reserves the right, in its sole discretion, to correct any errors or omissions in any part of the Website.

The information on the Website regarding results obtained by is not intended to indicate that the same or similar results can or will be obtained in other cases or situations. The results will vary depending on the facts and circumstances of each individual case. Past results do not predict, justify or guarantee a similar outcome. References to past or present members or the circumstances of their particular cases do not constitute testimony or endorsement by such members, nor are they a guarantee, guarantee or prediction of the outcome of your case.

Electronic mail or other communication through this site to (or any of its employees, agents or representatives) is not secure. Accordingly, it does not guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Website are not confidential and that 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 changes. We are not responsible for and will not be liable to you or any third party for damages in connection with any email sent by you to us or any email sent by us to you, or anyone you designate, on your request. Violators of this section who use our services for illegal purposes, including but not limited to repeated junk emails or "Spam", may be prosecuted to the fullest extent of the law. You acknowledge that by submitting notices to , no confidential, fiduciary, contractual or other relationship is created between you and other than pursuant to the Website Terms and any subsequent written agreement entered into with .

You are solely responsible for (a) maintaining the confidentiality and security of your login information, passwords and other security or access information used by you or anyone you authorize on your behalf to access the Website and your account information, (b) prevent unauthorized access to or use of the information, files, or data you store or use in or with the website, (c) all electronic communications, including account registration and other account holder information, email and financial, accounting and other data entered using the website, and (d) without limitation of the foregoing, all activities that occur under your account. assumes that all communications received through use of the website were sent or authorized by you. You agree to immediately notify if you become aware of any loss, theft, or unauthorized use of the website or your account information.

Please do not use information on our website to send unsolicited bulk emails, offers or requests. The above actions will constitute a violation of the Website Terms.

DISCLAIMER

Makes every effort to ensure that the information provided on or through its website is accurate; however, makes no warranties of any kind with respect to such information and is not liable for any resulting loss or damage.

SMS MESSAGE TERMS AND CONDITIONS

These USAcreditrepairco.com Text Message Terms and Conditions ("Text Message Terms") are between you and USAcreditrepairco.com, Inc., its past, present or future parent companies, subsidiaries, affiliates, predecessors, assigns, successors and their respective agents, employees, directors, officers, partners and members (whether acting in their corporate or individual capacity) ("USAcreditrepairco.com", "we" or "us"), with principal place of business at . The text messaging terms have the same effect as a written agreement and apply to your participation in the USAcreditrepairco.com SMS program. USAcreditrepairco.com's "Text Messaging Program" includes sending text messages to USAcreditrepairco.com and/or receiving text messages from USAcreditrepairco.com.

BY PARTICIPATING IN THE USACREDITREPAIRCO.COM TEXT MESSAGE PROGRAM, YOU AGREE TO THE TERMS AND CONDITIONS OF THE TEXT MESSAGES.

USAcreditrepairco.com's Privacy Policy and Terms of Use govern your participation in the USAcreditrepairco.com SMS Program, and their terms form part of the SMS Terms. Click here to view USAcreditrepairco.com's privacy policy. Click here to view the USAcreditrepairco.com Terms of Use. By participating in the USAcreditrepairco.com SMS Program, you acknowledge that you have read and agree to the USAcreditrepairco.com Privacy Policy and Terms of Use.

BY PARTICIPATING IN THE USACREDITREPAIRCO.COM SMS PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND USACREDITREPAIRCO.COM ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS. A “CLAIM” MEANS ANY CASE, CONTROVERSY, DISPUTES, TORT, INCOMPATIBILITY, ACTION, LEGAL PROCEEDING OR CLAIM BETWEEN YOU AND USACREDITREPAIRCO.COM NOW OR NEARLY PENDING, INCLUDING BUT NOT LIMITED TO ANY VIOLATION OF FEDERAL LAW OR ANY DISPUTES ABOUT THE INTERPRETATION OF THE TEXT COMMUNICATION TERMS OR THE ARBITRABILITY OF A CLAIM UNDER THE TEXT COMMUNICATION TERMS. THIS ARBITRATION AGREEMENT GOVERNS ALL PAST, PRESENT AND FUTURE INTERACTIONS WITH USACREDITREPAIRCO.COM. YOU AGREE THAT YOU WAIVE ALL RIGHTS TO: (A) A JURY TRIAL; (B) PARTICIPATE IN A CLASS ACTION OR ARBITRATION; AND (C) BRING A CLAIM AGAINST USACREDITREPAIRCO.COM IN COURT. YOU MAY SEPARATE ANY CLAIM AGAINST USACREDITREPAIRCO.COM IN ANY JURISDICTION IN THE UNITED STATES INDIVIDUALLY. USACREDITREPAIRCO.COM WILL REFUND YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE AMERICAN ARBITRATION ASSOCIATION RULES THEN IN CURRENT RULES SHALL CONTROL THE ARBITRATION (provided, however, that the terms of the Text Message Terms prevail over any inconsistency between the American Arbitration Association Rules and the Text Message Terms). The arbitrator shall have the authority to interpret the SMS Terms, including but not limited to the authority to determine whether a claim is arbitrable under the SMS Terms and issues relating to the scope of the arbitration, the arbitration rules and the jurisdiction of the Arbitrator to decide and the enforceability of the Text Message Terms. You agree that the Text Message Terms allow commerce under 9 U.S.C. include. Sections 1 et seq. and that this arbitration clause is governed by federal law, including the Federal Arbitration Act. The rest of the Text Message Terms are governed by the laws of the State of —--- as they govern solely the agreements made therein. This arbitration clause will survive the termination of the Text Message Terms.

1. About Text Message Terms

If you do not agree to the SMS Terms, you may not participate in the USAcreditrepairco.com SMS program. USAcreditrepairco.com may change the SMS Terms at any time. If you do not agree to the changes, you must discontinue your participation in the USAcreditrepairco.com SMS program for the changes to take effect. Your continued participation in the USAcreditrepairco.com SMS program after such changes become effective constitutes your acceptance of such changes. Each time you participate in the USAcreditrepairco.com SMS program, you confirm that you agree to the SMS Terms. You are responsible for regularly reviewing the Text Message Terms by visiting http:www.USAcreditrepairco.com. The SMS Terms may be supplemented by additional terms and together with these SMS Terms and the USAcreditrepairco.com Privacy Policy and Terms of Use govern your participation in the USAcreditrepairco.com SMS Program.

2. Via USAcreditrepairco.com text messages

USAcreditrepairco.com SMS program helps users to communicate with USAcreditrepairco.com. Text messages from USAcreditrepairco.com are text messages that are sent to people who have given USAcreditrepairco.com written permission to send the messages. This written consent can be obtained by using electronic signatures within the meaning of the E-SIGN Act in the broadest sense of the word. Text messages from USAcreditrepairco.com are not mobile spam. The Service is a recurring news program.

3. Consent to USAcreditrepairco.com Text Messages

When you signed up for USAcreditrepairco.com's Text Message Program, you provided your express written consent to receive automated credit repair messages or credit repair marketing from USAcreditrepairco.com. By continuing to participate in the USAcreditrepairco.com Text Message Program (for example, by not texting STOP in response to any program text), you agree to continue to receive automated text messages from USAcreditrepairco.com in accordance with consent previously provided and with these Text Message Terms.

4. Cost of USAcreditrepairco.com text messages

While all USAcreditrepairco.com text messages are free, message and data charges may apply. Depending on your text plan, you may be charged by your carrier.

5. Ending Text Messages

To stop receiving text messages from USAcreditrepairco.com, simply text STOP (and no other words or characters) to the short code from which you received the text messages from USAcreditrepairco.com. After you do this, you will receive a text message confirming your opt-out and you will no longer receive text messages from USAcreditrepairco.com to the phone number used to text STOP.

Almost all STOP requests are dealt with immediately, but it can take up to 3 business days from the date you text STOP to be removed from USAcreditrepairco.com's SMS list(s).

NOTE: Texting with STOP will only stop texting and will only stop texting to the phone number you used to text STOP. To stop receiving marketing calls from USAcreditrepairco.com that are not text messages, simply text CALLSTOP (and no other words or characters) to the short code from which you received the text messages from USAcreditrepairco.com. After you do this, you will no longer receive marketing calls from USAcreditrepairco.com to the phone number used to text CALLSTOP.

Almost all CALLSTOP requests are dealt with immediately, but it can take up to 3 business days from the date you text CALLSTOP to be added to USAcreditrepairco.com's internal do not call list. To stop receiving marketing calls from USAcreditrepairco.com (which are not text messages) to a phone number, call —------ and add your phone number to USAcreditrepairco.com’s internal do not call list.

6. Register back

If you send USAcreditrepairco.com a STOP text in response to a text message from USAcreditrepairco.com, you will be able to receive text messages from USAcreditrepairco.com again by giving USAcreditrepairco.com permission to send the messages.

7. Receive more info

To request more information, simply text HELP to the short code whose text message(s) you received from USAcreditrepairco.com.

8. Assignments

Stop: You can text STOP at any time to the short code from which you received the text message(s) from USAcreditrepairco.com. This will prevent you from receiving future text messages from USAcreditrepairco.com on the phone number used to text STOP.

Almost all STOP requests are dealt with immediately, but it can take up to 3 business days from the date you text STOP to be removed from USAcreditrepairco.com's SMS list(s). Please note that texting STOP will only stop text messages and only text messages to the phone number you used to text STOP.

To stop receiving marketing calls from USAcreditrepairco.com that are not text messages, you can text CALLSTOP to the short code from which you received the text messages from USAcreditrepairco.com. This will prevent you from receiving USAcreditrepairco.com marketing calls (which are not text messages) to the phone number used to text CALLSTOP. Almost all CALLSTOP requests are dealt with immediately, but it can take up to 3 business days from the date you text CALLSTOP to be added to USAcreditrepairco.com's internal do not call list.

Help: You can text HELP at any time to the short code whose text message(s) you received from USAcreditrepairco.com. If you text HELP, it will return the following message:

USAcreditrepairco.com: Msg & Data rates may apply. Txt STOP to end texts. Visit http:USAcreditrepairco.com or call —------- for more info.

9. Participating carriers

AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, Alltel [Verizon Wireless], U.S. Cellular, Cellular One, MetroPCS, InterOp, Cellular Com, C Spire Wireless, Cricket, Virgin Mobile and Cincinnati Bell.