TERMS OF USE

This is a legal agreement (“Agreement”) between you and Munro Holding LLC (“Munro Holdings”, “we”, “us”, “our Company”), a Florida Limited Liability Company located at 627 Park Ave Suite 116 Rochester, NY 14607, which is the owner of the CreditFundingSolutions.com website. This Agreement replaces any previous Agreement between You and Us. By accessing this website, purchasing any products or Services (listed below) accessible though this website, you become a user and agree to, and are bound by, the terms and conditions of this Agreement for as long as you continue to use the Website or Services. IF YOU DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, DO NOT USE THIS WEBSITE OR THE SERVICES. Your use of, or participation in, certain Services may be subject to additional terms, and such terms will be either listed in this Agreement or will be presented to you for your acceptance when you sign up to use such Services or purchase such products.

USER REPRESENTATIONS AND WARRANTIES:
You represent and warrant to us that: (a) you are at least eighteen (18) years old; (b) you possess the legal right and ability to enter into this Agreement; (c) all information submitted by you to the Site is complete, true and accurate, particularly that the Social Security # or Taxpayer Identification Number provided to us actually belongs to you and is not a CPN, SCN, nor any other # generated and/or used as a result of, and/or for the purpose of, Credit Bureau File Segregation; (d)  your use of the Website, purchase of any products or  use of any Services provided are primarily for business purposes, and your use or purchase is not primarily for  personal, family, nor household purposes; (e) you will be responsible for all use of your username and password even if such use was conducted without your authority or permission;  (f) you will not use the Website or Services for any purpose that is unlawful or prohibited by this Agreement; (g) you will provide us with a working Credit Monitoring login within 24 hours of your purchase; and (h) you have removed all credit blocks and/or fraud alerts, and resolved any other Credit Reporting Agency Issues concerning your Credit Report so that Tradelines can post to your Credit Report correctly and timely.

REFUND POLICY:
Please refer to our Refund Policy page.

PRIVACY POLICY:
Please refer to our Privacy Policy page.

USER CONDUCT:
The Site may contain community, commenting, forums, and/or other message or communication facilities (“Communication Services”) designed to enable you to communicate with others. You agree to use the Communication Services only to submit or post messages and material that are proper and, when applicable, related to the particular Communication Service. You are also prohibited from submitting to, posting or transmitting through our Site any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law. Content that consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam” is prohibited. You may not use a false email or postal address, impersonate any person or entity, or otherwise mislead as to the origin of your posted content. Any opinions, advice, statements, services, offers, or other information that constitutes part of the content expressed or made available by third parties are those of the respective authors or distributors and not of us nor our affiliates, not any of their officers, directors, employees, or agents. You acknowledge that we do not pre-screen all content, but that our Company and its designees shall have the right (but not the obligation) in their sole discretion to refuse or move any content that is made available via the Communication Services. Without limiting the foregoing, our Company and its designees shall have the right to remove any content that violates this Agreement or is otherwise objectionable. You specifically agree that we are not responsible for any content sent using and/or included in the Site by any third party.

COPYRIGHT AND RESTRICTIONS:
This Web site contains our proprietary material (or material that other suppliers have licensed to us for their use) which is protected by copyright and other laws respecting proprietary rights. We retain all rights in the material and media, including (without limitation) all copyright and other proprietary rights worldwide in all media. You may not use these materials except as expressly permitted under this Agreement and under U.S. copyright laws. Any routine and/or systematic redistribution of any portion of the products licensed herein is expressly prohibited. End users who are duly authorized may access our site for individual use, i.e., may view the information on screen; may download small portions of the information to a computer disk for personal convenience and later reference; and may print paper copies of small portions for personal use only. The rights granted here are an expansion of the rights granted under the Copyright Act and do not include any rights to reproduce in its entirety any portion of the information or materials contained therein. No part of the information may be duplicated in any medium or format beyond the express terms of this Agreement without prior written authorization from us. Any use not authorized by the Agreement is prohibited and is not a fair use under the U.S. copyright law. You acknowledge that the information (and the licensed materials contained therein) is highly proprietary in nature and that unauthorized copying, transfer or use may cause us and/or our suppliers irreparable injury that cannot be adequately compensated for by means of monetary damages. You agree that any breach of this provision by you, or any subscriber or end-user, may be enforced by us, and/or any of our suppliers, by means of equitable relief (including, but not limited to, injunctive relief) in addition to any other available rights and remedies. You agree that any supplier of any portion of the licensed materials may enforce its rights against you, even though that supplier is not a party to the Agreement. You may not and may not permit others to: reproduce, publish, distribute, sell, or otherwise access or use any material retrieved from or contained in or on this Site in any manner whatsoever that may infringe any copyright or proprietary interest of our Company; distribute the information contained in and/on this Site to other users not duly authorized to Access the Site; distribute, rent, sublicense, lease, transfer or assign the information or Agreement; decompile, disassemble, or otherwise reverse-engineer this Site or information contained in or on this Site or any software contained therein, or alter, translate, modify, or adapt it to create derivative works. Unauthorized reproduction, transfer, and/or use may be a violation of criminal as well as civil law. You are expressly prohibited from placing or installing any portion of the information on any electronic media, including, but not limited to, local or wide area networks, timesharing services, multiple processing units, multiple site arrangements, service or software rental bureaus, list servers, online services, electronic bulletin boards or forums, World Wide Web sites or any other server that is Internet-enabled, without written authorization by us. If you breach any provision of this Agreement, we may immediately terminate this Agreement and all licenses granted hereunder without prior notice and in addition to any other available rights and remedies.

LIMITATIONS ON USE:
The following activities are prohibited. You agree not to:
a. Use Web-accelerated browsers or products (including but not limited to NetJet, NetSonic, MSIECrawler and Teleport-Pro), or other applications that are capable of copying large portions of content from the Site. We can detect the use of these systems through live logfile analysis and will ban any future use by offenders.
b. Use robots and crawlers, or similar technology, without following the robot guidelines (found at http://info.webcrawler.com/mak/projects/robots.html). We are able to detect robots violating the guidelines and we will ban any offenders. If you are using a robot/crawler to check our links, it must operate according to the robot guidelines (see above). Do not leave new robots unattended and allow a minimum of 1 minute between automated requests.
c. Use any device, software or routine or the like to interfere or attempt to interfere with any Site functionality;
d. Take any action that imposes an unreasonable or disproportionately large load on the Site infrastructure;
e. Use any email addresses appearing on the Site for purposes not relating specifically to the Site;
f. Access the Site by any means other than through the interface that is provided by us, or attempt or access any area of the Site to which your access is not authorized; or
g. Reverse engineer, reverse assemble or otherwise attempt to discover any source code relating the Site, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.

ACCURACY AND AVAILABILITY OF INFORMATION:
The Site contains database information and other content compiled by us. While we use commercially reasonable efforts to provide accurate information, we give no warranty as to the accuracy of the database and other content on the Site.

RELIANCE ON THIRD PARTIES:
We rely on Third-Parties to perform certain tasks and/or functions involved in delivering the products and/or services we provide to you, and while we make every effort to ensure such Third Parties perform as agreed, we cannot be held responsible for the quality and/or timeliness performance.

LINKS TO THIRD PARTY SITES:
We do not endorse the content on any third-party Web site, including Websites of our affiliates (“Third-Party Sites”). We are not responsible for the content of Third-Party Sites that you reach through links on the Site, sites framed within the Site, or third-party advertisements on the Site, and we do not make any representations regarding their content or accuracy. Your use of Third-Party Sites is at your own risk and subject to the terms and conditions of use for such sites. Any transaction that you conduct at a Third-Party site will be between you and the party providing that Web site. This means that we are not your agent nor a party to any transaction at a Third-Party Site.

CLIENT-PROVIDED INFORMATION:
You hereby certify that all the information you provide to us is 100% accurate and complete and understand that all products and/or Services provided to you will be provided using this information and based on this information. Any errors, omissions, and/or over/under statements shall be your sole responsibility.

CREDIT PULL PROCESS & AUTHORIZATION SERVICE:
When you place your Tradeline Order, you must use the “Credit Monitoring” Link on the bottom of our website to sign-up for our Approved Credit Monitoring Service that includes a Tri-Merge Credit Report obtained within the last 14 Days so we can make sure your Credit History qualifies you for our Guarantee “E” explained in our Refund Policy which Guarantees that your Credit Scores will increase once the Tradeline is added. To qualify for Guarantee “E”, you must have No Derogatories in last 36 Months, No Open Collections/Past-Due Accounts, and a Credit Card Utilization Ratio under 50% (Percentage of Credit Limits used up on Credit Cards). Further, if you do not provide us with the working Credit Monitoring Login within 24 hours of your Purchase, you hereby permanently waive all of your rights to Guarantee “E’.

This is also the ONLY Credit Monitoring System that will work for aligning addresses in order to get the Credit Bureaus to attach the Tradeline’s Billing Address to your Credit File and thus make the Tradelines successfully post to your Credit Report without putting any hard inquiries on your Credit. Most Tradelines need a separate Tri-Merge to be pulled before they will show up on your Credit, and the Credit Monitoring website will charge your Credit Card $34.95 for each Tri-Merge. For example, if you are purchasing a Package with 4 Tradelines, you may need anywhere from 1 to 4 Tri-Merge(s) pulled via the Credit Monitoring website, so you must account for this additional credit reporting cost.

If we do not receive your Credit Monitoring Login Information before it comes time to align the addresses on your Credit Report, then we will need to do HARD PULL(S) on your Credit using our own Credit Reporting System and your Credit Card will be charged $35 per Tri-Merge Credit Report. You hereby authorize us and/or our Agent(s) to obtain your Personal Credit Report(s) from all 3 Credit Bureaus (Experian, Equifax, and TransUnion) as needed to deliver the products/services purchased, and agree that you will never dispute the Hard Inquiries on your Credit Report(s) resulting from the Credit Pulls done by us and/or our Agents. You further understand and agree that should you ever dispute any of these Inquiries, intentionally or not, disputed by yourself or anyone on your behalf, you will cause large and difficult to measure damages to us, and you hereby agree to pay us $500 in Liquidated Damages per Credit Inquiry disputed, per Bureau. ***DO NOT DISPUTE OUR INQUIRIES***

INQUIRY REMOVAL SERVICE:
The Inquiry Removal Service is designed to remove from your Credit Report(s) Inquiries generated within the last 6 months that: 1. Did not result in a New Credit Account being opened; 2. Is not from one of your existing Creditors with whom you have an Open Account; and 3. Is not from one of our Credit Partners used when we pull Tri-Merge Credit Reports.  YOUR RESULTS WILL VARY. EACH SITUATION IS DIFFERENT.

PERSONAL FUNDING PROGRAM AND UNSECURED CORPORATE CREDIT CARDS PROGRAM SERVICE:
You agree to pay the Success Fees of the maximum credit limit or maximum gross loan amount of each credit facility approved  with our assistance and understand that Success Fees are due within 3 business days after you receive access to funds. For Credit Card Approvals, we allow you to pay the Success Fee using a verified Credit Card, which means a Credit Card for which you provide us with a copy of the credit card front and back as well as your Photo ID matching the name on the Credit Card, however, in the event we are unable to process the Success Fee payment via Credit Card, you will still need to find a way to pay it via another payment method we can accept. You must be actively involved in the application process and follow our instructions in a timely manner. We will always do as much as possible to save you time and facilitate the process for you, but there are certain things you will need to do yourself. You must be honest and tell us the truth about how much you are approved for with each lender. You must be ready and willing to accept all the unsecured financing we obtain for you up to your requested maximum – whether it is a Loan, Line of Credit, or Credit Card, and you must not intentionally sabotage any Approvals we obtain for you by failing to provide information, failing to do verification calls, and/or declining Approvals. Although we may provide estimates of the amount of financing we believe you may be able to obtain, we cannot and do not guarantee that you will obtain any specific amount of financing, and you hereby understand and agree that results will vary from Client to Client. You further understand that it is your sole responsibility to inform us of each lender’s approval or denial decision by providing us with either an approval or denial letter from the lender within a maximum of 30 calendar days from each credit application’s submission date, and that if you fail to provide us with such approval or denial letter(s), we will assume you were approved for the greater of $25,000 (If no specific amount of credit was requested, such as in the case of credit card applications) or the actual amount of financing actually requested on each application, and the corresponding Success Fee due shall become payable immediately. WE IMMEDIATELY REPORT COLLECTION ACCOUNTS TO ALL 3 CREDIT BUREAUS.

SUPPLIER PROGRAM SERVICE:
If you apply for and are Approved for our Supplier Program, you will add our Clients as Authorized Users on your Credit Card Account(s) and earn a pre-determined Commission for each Client added as an Authorized User to your Credit Card Account(s), as long as:

1. The Credit Card Account successfully reports the Client as an Authorized User to all 3 Credit Bureaus.
2. The Credit Card Account reports a Perfect Payment history (No Late Payments).
3. The Credit Card Account reports a Balance no higher than 10% of the Credit Limit.

We we will verify this by pulling a Tri-Merge Credit Report on the Client 7 to 14 Days after your Credit Card Account’s Statement Date. All Credit Card Accounts accepted in our Supplier Program are required to have a Perfect Payment History (No Late Payments) and must maintain a Balance no higher than 10% of the Credit Card Account’s Credit Limit.

Starting 01/05/2015, all Suppliers must provide Monthly Credit Card Account Statements for ALL Credit Card Accounts that are Active in the Supplier Program, no later than 7 Calendar Days after the Statement Date of each Credit Card Account Statement. You may cross-out or blur the Credit Card Account #, leaving only the last 4 Digits Visible, but the rest of the information must be fully visible, particularly the Statement Date, Current Balance, and Credit Limit. Also, the most recent Credit Card Account Statement will be REQUIRED before any new Credit Card Accounts can added to the Supplier Program. This is needed in order to make sure all Credit Card Accounts active in the Supplier Program actually exist and that the most recent Balances do not exceed 10% of the Credit Limit. Failing to provide the Monthly Credit Card Account Statement within 7 Calendar Days of the Statement Date will result in Liquidated Damages of $250 for the affected Credit Card Account,  and may result in the Suspension or Termination of your Supplier Account.

We deal with our Clients ourselves and you communicate only with us (Communicating with Clients directly is strictly forbidden). Payments are made via Direct Deposit each week for your current Supplier Account Balance. Your Supplier Account Balance is calculated as the sum of all Commissions you earned minus all the Payments we made to you, and although we include Commissions for Orders in “Added to Card” Status in your Supplier Account Balance, such Orders may need to be changed to “Failed to Post” (In the event the Tradeline does not show up on all 3 Credit Bureaus), “Cancelled by Client” (If Client Cancels), or “Cancelled by Supplier” (If you Cancel). In these events the Commission earned on such Orders will be reset to $0 which will lower your Commissions Earned. You are responsible for responding to each Supplier Order we send you and providing Screenshot Proof that each Client was successfully added to the Credit Card Account WITHIN 2 DAYS MAXIMUM.  If you believe there is any inaccuracy whatsoever in your Supplier Compensation, you must submit a Transaction Dispute Support Ticket no later than 7 Calendar Days after the Status Date of the Transaction in question. If you do not submit such Dispute within this Time Frame, then the validity of the Transaction in question will be considered Final and you will no longer be able to dispute it for any reason whatsoever.

New Credit Card Accounts added to the Supplier Program and Credit Card Accounts with Fail to Post Percentages greater than 10% are subject to having Supplier Fee Payments held/delayed until we can confirm the Credit Card Account is posting correctly to the 3 Credit Bureaus and/or the Fail to Post Percentage goes down to 10% or less. This is a Risk-Management decision which shall be made at our sole discretion, to protect us from the risk of loss in the event a Credit Card Account ends up not reporting to the Credit Bureaus correctly or at all.

Being an Approved Supplier with us brings with it great financial benefits and also some important responsibilities which, if ignored, will result in your Supplier Account being Suspended or Terminated. Events that can lead to the Suspension or Termination of your Supplier Account include, but are not limited to:

1.  Failing to add a Client to your Credit Card Account within the Add-By Deadline.
2.  Failing to maintain a 10% or lower Balance on your Credit Card Account.
3.  Failing to maintain a Perfect Payment History on your Credit Card Account.
4.  Contacting our Clients and/or Brokers directly without our express authorization.
5.  Falsifying Screenshot Proofs of Clients being added to your Credit Card Account.
6.  Removing a Client from your Credit Card Account prematurely before the scheduled Remove Date.
7.  Refusing to remove a Client from your Credit Card Account within a maximum of 7 Calendar Days after being instructed to do so.

If you allow one or more of the prohibited events listed above to occur, you hereby understand and agree that each failure on your part will cause damages to us and our Clients and that you will be automatically charged Liquidated Damages equal to the Commission you would have earned on the affected Order(s) for each Prohibited Event that occurs. Additionally, for Orders affected by Prohibited Events # 2 and # 7, or #3 and # 7, or #2 and #3 and #7,  you hereby understand and agree that damages caused to us will be far greater and will carry additional Liquidated Damages of $2,500 per affected Order, in addition to any other Liquidated Damages. In the event your Supplier Account is Suspended or Terminated, Orders in “Added to Card” or “Complete” Status may need to be changed to “Failed to Post” or “Cancelled by Client”, which will reset the Commission on such Orders to $0 and lower your Supplier Account Balance, possibly creating a Negative Balance (meaning we paid you more money than you actually earned). In the event of a negative Supplier Account Balance, you will be given a maximum of 14 Calendar Days to pay us back the amount we overpaid you, and such payment shall be made via ACH, Wire Transfer, Bank Deposit or, if an exception is granted, via Credit Card. In the event you fail to pay us back the Negative Balance within 14 Calendar Days, your Supplier Account will be sent to Collections as explained in the “Collections” section of our Terms of Use.

YOU WILL NEVER BE REQUIRED TO SHARE YOUR PRIVATE CREDIT CARD ACCOUNT INFORMATION WITH US OR WITH ANYONE. YOUR CREDIT CARD ACCOUNT INFORMATION REMAINS COMPLETELY PRIVATE AT ALL TIMES.

APPLICABLE LAW AND DISPUTES:
This Agreement is governed by the laws of the State of Florida, without regard to principles of conflict of laws. To the extent you have in any manner violated or threatened to violate our and/or our affiliates’ intellectual property rights, we and/or our affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Florida, and you consent to exclusive jurisdiction and venue in such courts. Any other disputes will be resolved as follows:  You or We may choose to resolve disputes involving $5000 or less in Miami Florida small claims court. If a dispute involving more than $5000 arises under this agreement, you and we agree to submit the dispute to binding arbitration at the following location: Miami, FL., under the rules and auspices of the American Arbitration Association Expedited Commercial Rules for Arbitration. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER , OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.

Only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver.

AUTHORIZATION TO CONTACT YOU; RECORDING CALLS:
You agree to receive calls, including autodialed and/or pre-recorded message calls, from Us at any of the telephone numbers (including mobile telephone numbers) that we have collected for you as authorized and described in our User Privacy Notice, including telephone numbers you have provided us, or that we have obtained from third parties or collected by our own efforts. If the telephone number that we have collected is a mobile telephone number, you consent to receive SMS or other text messages at that number. Standard telephone minute and text charges may apply if we contact you at a mobile number or device. You agree we may contact you in the manner described above at the telephone numbers we have in our records for these purposes:

  • To contact you for reasons relating to your account or your use of our Services (such as to collect a debt, resolve a dispute, or to otherwise enforce our User Agreement) or as authorized by applicable law.
  • To contact you for marketing, promotional, or other reasons that you have either previously consented to or that you may be asked to consent to in the future. If you do not wish to receive such communications, you can opt-out by sending us a communication that states You are opting out.

We may share your telephone numbers with our service providers (such as billing or collections companies) who we have contracted with to assist us in pursuing our rights or performing our obligations under the User Agreement, our policies, or any other agreement we may have with you. These service providers may also contact you using autodialed or prerecorded messages calls and/or SMS or other text messages, only as authorized by us to carry out the purposes we have identified above, and not for their own purposes.

We will not share your telephone number with non-affiliated third parties for their purposes without your explicit consent, but may share your telephone numbers with members of our corporate family and/or our affiliates, for their use, as authorized under our User Privacy Notice. Members of the 99th Floor LLC corporate family and/or our affiliates will only contact you using autodialed or prerecorded message calls and/or SMS or other text messages, if you have requested their services.

We may, without further notice or warning and in its discretion, monitor or record telephone conversations you or anyone acting on your behalf has with Us or our agents for quality control and training purposes or for its own protection. You acknowledge and understand that, while your communications with us may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by Us, and we do not guarantee that recordings of any particular telephone calls will be retained or retrievable.

FUTURE AMENDMENTS TO THE AGREEMENT:
Notwithstanding any provision in the User Agreement to the contrary, you and we agree that if we make any amendment to this Agreement to  in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against Us or you prior to the effective date of the amendment. The amendment shall apply to the terms of the Agreement that has arisen between you and Us. We will notify you of amendments to this Agreement by posting the amended terms on our website at least 30 days before the effective date of the amendments and by providing notice through our Message Center and/or by email. If you do not agree to these amended terms, you may close your account within the 30 day period and you will not be bound by the amended terms.

NON-DISPARAGEMENT:
Our Reputation is of utmost importance to us. You hereby agree and warrant and that you will not disparage or comment negatively, directly or indirectly, about our company, our officers and management, and/or current or former employees and/or contractors. Disparagement shall be defined as any disparaging remarks, comments or statements that impugn the character, honesty, integrity, morality or business acumen or abilities in connection with any aspect of the operation our business. In the event we find any disparagement resulting directly or indirectly from you, you hereby understand and agree that such disparagement will cause great financial damages to us, the extent of which will be impossible to measure, and you therefore agree to pay liquidated damages in the amount of $25,000 for every incidence of disparagement caused directly or indirectly by you.

NON-USE and NON-DISCLOSURE:
You agree that all communications with us shall be considered private and confidential information and you shall not under any circumstance disclose, publish, broadcast, make known in any way shape or form, or use the content of such communications, regardless if the communication is made verbally or in written form, without our express written authorization. In the event we find any unauthorized use or disclosure(s) resulting directly or indirectly from you, you hereby understand and agree that such use and disclosures will cause great financial damages to us, the extent of which will be impossible to measure, and you therefore agree to pay liquidated damages in the amount of $5,000 for every incidence of unauthorized use or disclosure caused directly or indirectly by you.

DISCLAIMER OF WARRANTIES:
ALL CONTENT, SOFTWARE, AND OTHER PRODUCT AND SERVICES PROVIDED AT OR FOUND WITHIN THIS SITE BY US AND OUR AFFILIATES ARE PROVIDED “AS IS” AND “WITH ALL FAULTS,” WITHOUT WARRANTIES OF ANY KIND, AND WE AND OUR AFFILIATES HEREBY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SPECIFICALLY, BUT WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE DO NOT MAKE ANY WARRANTIES REGARDING THE FOLLOWING: (a) AVAILABILITY OF THE SITE AT ANY PARTICULAR TIME; (b) ACCURACY OF THE CONTENT OR HOW CURRENT ANY CONTENT IS THAT IS FOUND ON THE SITE; (c) TRANSMISSIONS TO, FROM OR WITHIN THE SITE; (d) FUNCTIONALITY; (e) LACK OF VIRUSES; (f) COMPLIANCE OF THE SOFTWARE, SERVICES AND CONTENT PROVIDED UNDER THIS AGREEMENT WITH UNITED STATES, FEDERAL OR STATE LAWS; OR (g) THAT THE SOFTWARE, CONTENT OR PRODUCTS AND SERVICES CONTAINED IN THE SITE WILL MEET ANY PARTICULAR CRITERIA OF PERFORMANCE OR QUALITY.

LIMITATION OF DAMAGES:
IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, EMPLOYEES, CONTRACTORS, NOR AFFILIATES (“OUR TEAM”) BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, OR SPECIAL DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF OR UNAUTHORIZED ACCESS TO INFORMATION, AND THE LIKE, EVEN IN THE EVENT OF FAULT, TORT, BREACH OF CONTRACT, OR BREACH OF WARRANTY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

LIMITATION OF LIABILITY; EXCLUSIVE REMEDY:
ALSO, IN NO EVENT WILL WE OR OUR TEAM BE LIABLE TO YOU AND/OR ANY AGENCY FOR ANY AMOUNT IN EXCESS OF THE TOTAL DOLLAR AMOUNT ACTUALLY RECEIVED BY US FROM YOU FOR ACCESS TO THE SITE AND ANY OF THE PRODUCT AND SERVICES AVAILABLE AT THE SITE DURING THE MONTH PRIOR TO YOUR CLAIM.

CONSENT TO ELECTRONIC NOTICES AND OTHER COMMUNICATIONS:
You agree that all of your transactions relating to the Site may, at our option, be conducted electronically, including any that we are otherwise required to provide in “writing”. For example, we may send you notices via postings at the Site or via email to any email address that you provide to us during registration as a Site member. If you do not wish to deal with us electronically, you should not use the Site or enter into this Agreement. If applicable law now or later requires us to communicate with you non-electronically, we reserve the right to charge a fee for doing so. Notice will be deemed given 24 hours after the email is sent, unless (for email) we are notified that the email address is invalid. Alternatively, we may give you notice by mail to the address provided by you.

INDEMNITY:
You agree to indemnify and hold us and Our Team harmless from any losses (including attorney fees) that result from any claims you make that aren’t allowed under these Terms due to a “Limitation of Liability” or other provision. You also agree to indemnify and hold us harmless from any losses (including attorney fees) that result from third-party claims that you or someone using your password and/or identity did something that, if true, would violate any of these Terms, or arising from your use of our Services.

EQUITABLE RELIEF:
If you violate these Terms then we may seek injunctive relief (meaning we may request a court order to stop you) or other equitable relief.

SUBPOENA FEES:
If we have to provide information in response to a subpoena related to your account, then we may charge you for our costs. These fees may include attorney and staff time spent retrieving the records, preparing documents, and participating in a deposition.

ATTORNEY FEES:
If we file an action against you claiming you breached these Terms and we prevail, we’re entitled to recover reasonable attorney fees and any damages or other relief we may be awarded.

ASSIGNMENT:
You agree not to assign your rights under this Agreement without the consent of an authorized representative of our Company in a non-electronic record, and any assignment without our consent will be voidable at our option. This Agreement will inure to the benefit of and bind the parties’ respective successors and permitted assigns.

COLLECTIONS:
If you fail or refuse to pay fees due to us when they are due, your account may be turned over for collection and possible litigation, and you hereby agree to pay all reasonable attorneys fees, court costs, filing fees, and collection costs which may be assessed by us, our attorneys, or any collection agency retained to pursue the matter, along with interest at the highest rate allowed by law. WE REPORT COLLECTION ACCOUNTS TO ALL 3 PERSONAL CREDIT BUREAUS.

CREDIT CARD DISPUTES/CHARGEBACKS:
By using your Credit Card, you hereby agree that you will not, under any circumstance, initiate any Dispute/Chargeback with your Card Issuer until you have sequentially completed  the three step process below:

First: Attempt first to settle the dispute by online mediation administered by the American Arbitration Association under its Commercial Mediation Procedures. This can be done here: https://apps.adr.org/webfile/
Second: Submit a claim to be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by a single arbitrator may be entered in any court having jurisdiction thereof. This can be done here: https://www.adr.org/webfile/faces/home
Third: File a claim against our Surety Bond.

If you initiate a Dispute/Chargeback without sequentially completing the three step process above, you hereby agree and understand that such action will cause severe damage to our Merchant Processing Relationship and that 200%  of the Full Amount of the Disputed Transaction(s)  will become immediately due and payable to us as Liquidated Damages and your Account will be turned over to Collections and immediately reported to all 3 Personal Credit Bureaus as a Collection Account.

PAYMENTS MADE ON YOUR ACCOUNT USING SOMEONE ELSE’S CREDIT CARD:
If any Payment is made on your Account using a Credit Card that does not belong to you, or where your name is not listed on the front of the Credit Card, then you hereby understand and agree that should such Credit Card Payment result in a Chargeback/Dispute by the Cardholder, for any reason whatsoever, that you understand and agree that you shall be held completely and personally responsible for the resulting Balance Due, including any and all Penalties and/or Collection Costs, and that the Total Balance Due will be reported to all 3 Credit Bureaus against you personally.

AMENDMENTS:
We may change the provisions of this Agreement. When we change the terms of this Agreement, we will notify you by email or online postings on this Site. The changes will also appear in this document, which you can access any time. You already agreed to be bound by the changes when you first used the Site. If you do not agree to be bound by the changes, you should not use the Site again. Even if you have not clicked on the “I Agree” button or checked the I agree box when purchasing, if you use the Site after you have been notified of a change to this Agreement, you are agreeing now to be bound by that change.

MODIFICATIONS TO THE TERMS OF USE:
We may modify from time to time, at our sole discretion, the Terms of Use. Notice is required for material changes, and will be given either by posting notice on this website for a period of at least five (5) days or by emailing our existing Clients.

ENTIRE AGREEMENT; SEVERABILITY; NO WAIVER:
This Agreement (including all documents incorporated by reference) is the entire agreement between the parties for its subject matter and supersedes all prior and contemporaneous communications between the parties. No term of this Agreement may be waived by us except in a signed, non-electronic writing signed by an authorized representative of our Company.

GENERAL:
If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties agree that its remaining provisions will remain in full force and effect, provided that the allocation of risks described herein is given effect to the fullest extent possible. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. You agree that no joint venture, partnership, employment or agency relationship exists between you and us or our affiliates as a result of this Agreement or your use of the Site.

PRINT A COPY FOR YOUR OWN RECORDS:
You agree to print or make an electronic copy of this Agreement (and any amendment from time to time) and retain it in your records. You also agree to make a copy of any other information that we deliver to you in writing.

QUESTIONS OR CONCERNS: 
If you have any questions or concerns regarding our Terms of Use or other services of this website, you may contact us by email at Support@creditfundingsolutions.com or by fax at 212-804.7658.

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

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