Terms & Conditions

Welcome to this website which offers one or more products and services. These products and services are offered at several web addresses or URLs, such as SpendOnLife.com, MyCreditHealth.com, and others. Those URLs, individually and collectively, are referred to in these Terms of Use as the "Sites." We use the terms "you" and "your" to include any person who accesses the Sites or purchases any product or service offered on the Sites (the "Services") for any amount of time. We use the terms "we", "us" and "our" to refer to One Technologies, L.P. (the "Company"), which owns and/or operates the Sites, and our employees, members, officers, partners, affiliated entities, representatives, attorneys, and agents. We use the term "materials" to mean any data or information about the customer that we provide to the customer on any web page, email, text message, instant message, or printed page, whether this includes full or partial reports or summary alerts.

1) This is a Binding Contract

These Terms of Use are a binding legal contract between you and us and govern your access to the Sites and your purchase and use of the Services.  PLEASE READ THESE TERMS OF USE CAREFULLY.  EACH TIME YOU VIEW, BROWSE, ACCESS OR USE THE SITES OR THE SERVICES, YOU AGREE, WITHOUT LIMITATION OR QUALIFICATION, TO BE LEGALLY BOUND BY THESE TERMS OF USE.  IF YOU DO NOT ACCEPT THESE TERMS OF USE, DO NOT USE THE SITES OR THE SERVICES. 

Our obligations with respect to the Sites or the Services are governed solely by these Terms of Use, our Privacy Policy, and the Offer Details on the Sites. Nothing else on the Sites should be construed to alter or increase our obligations.

2) We May Revise this Contract

We may revise these Terms of Use at our discretion.  If we do revise these Terms of Use, we will post the updated Terms of Use on the Sites.  Each time you order any of the Services, or use the Sites or the Services, after we post any such revisions, you accept the Terms of Use as revised without limitation or qualification.  If you do not accept the Terms of Use as revised, do not use the Sites or the Services and terminate any subscription you may have to the Services. 

3) The Services

The Services consist of the services described on the Sites. You acknowledge and agree that the Company obtains the data and information contained in any Materials provided to you as part of the Services from third party vendors (“Vendors”).  The data and information provided by the Services are intended to furnish you with information that you may not otherwise have readily available to you, but should not be relied upon for important personal and financial decisions. You should consult your own professional adviser for specific advice tailored to your personal situation. YOU AGREE THAT THE COMPANY HAS NO LIABILITY FOR ANY INFORMATION (ACCURATE OR INACCURATE) IN ANY REPORTS PROVIDED TO YOU AS PART OF THE SERVICES.  You further acknowledge and agree that any credit scores provided to you as part of the Services are not FICO scores.  Although the Services are available to consumers in all 50 states and Puerto Rico, they may not provide data for all locations.  If you enroll in a Service, you must ensure that it provides the information you desire for the location you desire during the applicable free trial period.  If it does not, you may cancel during the free trial period without charge.

4) Our Policy Regarding Children

By using the Sites or purchasing or using the Services, you represent that you are over 18 years of age and old enough to legally enter into a contract in your jurisdiction of residence, and have the legal capacity and authority to enter into a contract. You must be at least 18 to access or enroll in any of the Services through the Sites.  We define children as individuals under the age of 16.  The Sites are not intended for the use of children and we do not intend to collect information about children through the Sites.

5) In order to use the Sites and the Services, You must Provide the following information:

  • You must provide your debit or credit card payment information. Your debit or credit card will not be charged at the time you sign up for your free trial.  However, if you do not cancel your free trial within the free trial period, you will charged at the monthly rate in effect at that time for the MCH Service for which you enrolled.  Your debit or credit card will continue to be charged each month at the applicable monthly rate unless you cancel the Services. YOUR FREE TRIAL PERIOD IS MEASURED IN 24-HOUR DAYS.  FOR EXAMPLE, IF YOU SIGN UP FOR A 7-DAY FREE TRIAL PERIOD AT 10:00 A.M. ON MARCH 1, 2010, YOUR FREE TRIAL PERIOD WILL EXPIRE AT 9:59 A.M. ON MARCH 8, 2010.
  • You may be required to provide your social security number and other personal information, such as previous addresses, employment, and other names, so that your identity can be verified in order to use some Services.
  • You must provide true, accurate and complete information about yourself as prompted by the applicable subscription form(s) and to promptly update your information if and when it changes.  If you provide any information that is untrue, inaccurate, or incomplete, or we have reason to believe that such information is untrue, inaccurate, or incomplete, we reserve the right to terminate your subscription.

 

6) Important Information regarding your Authorization to charge your Credit or Debit Card

BY CLICKING ON THE BUTTON THAT IS ON THE PAGE WHERE YOU ENTER YOUR CREDIT OR DEBIT CARD INFORMATION, ANY IS LABELED “VIEW REPORT”, “START MY FREE TRIAL,” “BEGIN MY FREE TRIAL,” “ENROLL,” “ENROLL NOW,” “SEE IT NOW,” “SEE THEM NOW,” “YES!,” “SIGN ME UP,” “GET YOURS NOW,” “I WANT IT,” OR SIMILAR WORDING INDICATING YOUR ASSENT TO PROCEED, YOU AUTHORIZE US TO CHARGE YOUR CREDIT CARD OR DEBIT YOUR BANK ACCOUNT THE STATED AMOUNT PER MONTH AFTER YOUR FREE TRIAL HAS EXPIRED.  Your enrollment in the Services will continue month-to-month until you cancel or we terminate your enrollment.

7) Our Privacy Policy

By using any of the Sites or purchasing any of the Services, you agree that we may use and share your personal information in accordance with the terms of our Privacy Policy.  Our Privacy Policy can be found by clicking on the Privacy Policy link at the bottom of any of the Sites.

8) Copyright & Trademark Notices.

You acknowledge that the Sites and other forms of communication, including, but not limited to, electronic mail and direct mail, contain information, software, photos, video, text, graphics, music, sounds or other material (collectively, "Content") are protected by copyrights, patents, trademarks, trade secrets, or other proprietary rights, and that these rights are valid and protect in all forms, media and technologies existing now or hereafter developed.  All Content is copyrighted under U.S. copyright laws. The Services names and logos are our service marks. All other service marks and trademarks appearing on the sites are the trademarks of their respective owners. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit any Content in whole or in part

9) How To Cancel Your Enrollment in The Services

You may terminate your enrollment in the Services at any time by calling us at the toll free number that appears on the applicable Site and on the emails that you receive by us.  If for some reason you do not have access to a phone, you may terminate by writing us at 4447 North Central Expressway, Suite 110 PMB 406, Dallas, TX 75205, and requesting termination.  You may not cancel via email to us.  We do not provide prorated refunds.   

10) We reserve the right to terminate your subscription

We reserve the right to terminate your subscription or access to the Services at any time without notice, for any reason, including but not limited to: (i) breach of these Terms of Use by you or anyone using your account, (ii) nonpayment for the Services or expiration of your subscription period, (iii) conduct we believe is harmful to the Services users, the business of the Company or the Company’s affiliates, (iv) those reasons otherwise described in these Terms of Use, or (v) any other circumstances which we determine, in our sole discretion, merit termination.  Any such termination may be without any refund to you of advance payments.  

You agree that we will not be liable to you or to any third party for any termination of your subscription.

11) Sending and Receiving Information over the Internet

You understand and agree that no data transmitted over the Internet can be guaranteed to be 100% secure and we cannot guarantee that any personal information you submit or access will be free from unauthorized third party intrusion.  You understand and agree that all information you submit or access through the Sites or the Services are at your own risk and are subject to these Terms of Use, including but not limited to the “DISCLAIMER OF WARRANTIES” and “LIMITATION OF LIABILITY” Sections set forth below.

12) Your User Name and Password

During the subscription process, you will designate a user name and password.  In addition, from time to time we may require you to reset your password.  You understand and agree that the user name and password are only granted to the individual accepting these Terms of Use.  You are responsible for maintaining the confidentiality of your user name and password and are responsible for all activities that occur under your user name and password, whether or not authorized by you.  You agree to notify us immediately of any unauthorized use of your user name, password or account or any other breach of security.  We will not be liable for any loss or damage arising from your failure to protect your password or account information.  In addition, we will not be liable for actions taken by others who access your account. 

13) Changes to Prices and Terms and Discontinuance of Service

If you subscribe to the Services, you agree to pay all charges at the effective monthly price.  All prices are exclusive of any taxes, except as required by applicable law.  We reserve the right to change prices or to institute new charges for the Services, or any portion thereof, at any time.  Price changes and new charges will apply to subsequent subscription periods for current paid subscribers and to all new Services users immediately on the effective date of the change. 

We reserve the right at any time to modify, suspend, or discontinue the Sites and the Services, or any part, version or feature thereof, in our sole discretion without prior notice to you.  We will use reasonable efforts to notify you of any such material modifications to or suspensions or discontinuations of the Sites or the Services by posting a notice on the applicable Site.  We may also, but are not required to, provide you notice by sending an email message to the current email address listed in your subscription.  We will not be liable to you or any third party for any modification, suspension or discontinuation of the Sites or the Services, or for any failure to notify you of same.  If you have a paid subscription to the Services and we modify, suspend or discontinue the Services due to no action on your part, when applicable, we may provide a pro rata refund of advance payments made.   

Your continued use of the Services or of the Sites, or your failure to terminate your subscription, after any such changes, modifications, or charge have been made, will constitute your acceptance of those changes, modifications, and charges. 

14) Prohibited Acts

By using the Sites or the Services, you agree that you will not engage in any conduct that:

  • interferes with or disrupts the Sites or the Services;
  • intentionally or unintentionally violates any applicable local, state, national or international law;
  • could subject the Company to any legal liability, whether in tort or otherwise;
  • would violate or attempt to violate our systems or network security;
  • would abuse the Services or the Sites.

 

In addition, by using the Sites or the Services you agree to comply with all laws, ordinances, rules, regulations, and requirements imposed by applicable governments and regulatory agencies regarding your use of the Services and the Sites.  You may not reproduce, duplicate, copy, sell, resell or exploit any part of the Services or the Sites.

15) Our Trademarks, Service Marks, and Trade Dress 

You are not authorized to use our trademarks, service marks, or trade dress, and you agree not to display or use them in any manner.  

The Sites and the Services are intended for your personal, non-commercial use only. 

16) We will Cooperate with Law Enforcement Authorities and the Courts

We have no obligation to monitor your use of the Sites or the Services.  You agree, however, that we retain the right to monitor your use of the Sites and the Services and to disclose any information as necessary or appropriate to satisfy any law, regulation or governmental request, to operate the Sites and the Services properly, to ensure your compliance with these Terms of Use, and to protect us, our affiliates, and the general public.  

We reserve the right, and you hereby authorize us, to cooperate with law enforcement authorities, including but not limited to complying with warrants, court orders and subpoenas.  We also reserve the right, and you hereby authorize us, to comply with any civil court orders and subpoenas.  In addition, if we decide to investigate or resolve possible misuse by you involving the Sites or the Services, you authorize us to disclose to law enforcement or other government officials any information about you in our possession in connection with your use of the Sites or the Services.

We may take the actions described above without giving notice to you.

17) Important Information regarding NeighborhoodScan.com and Family Safety Alerts

You acknowledge and agree as follows:

  • All of the data and information (the “Data”) provided by NeighborhoodScan.com and Family Safety Alerts is provided by third-party Vendors, who in turn obtain it, directly or indirectly, from governmental web sites and other non-government sources;
  • It is possible that information accessed or obtained through the Sites may not reflect current residences, employment, school attendance, or other information regarding sexual offenders, and you agree that it is incumbent upon you to verify the accuracy of any Data provided to you.  You may do so by checking the applicable state governmental website. With regard to someone identified as a sexual offender, you agree that you will contact the responsible state agency and/or the local law enforcement agency where the offender resides, works, or attends school, as applicable, before accepting any such information as valid. If you believe that any portion of the Data is not accurate, you will communicate with the appropriate state agency;
  • You will not use the Data or information contained in or accessed through this Website to threaten, intimidate, or harass any individual, and if you do, you acknowledge that you may be subject to criminal prosecution or civil liability under federal and/or state law;
  • You acknowledge and agree that mistakes can and do occur in the Data and in the information gathered from governmental web sites;
  • The Company provides no guaranty, warranty or representation as to the accuracy, timeliness, or completeness of the Data;
  • The Vendors may cease business operations, file bankruptcy, or cease providing Data to the Company at any time, over which the Company has no control, and for which you agree the Company has no responsibility; and
  • The Company has no responsibility or liability for damages of any kind resulting from your use of the Data.

 

18) Important Information Regarding Credit Score Simulator and Credit Score Tracker

You acknowledge and agree to all of the following regarding Credit Score Simulator (“CSS”) and Credit Score Tracker (“CST”):

  • The credit scores provided to you are not FICO scores;
  • Neither CSS nor CST provide any guaranty of any specific score but are only simulations to demonstrate how certain actions by you might affect your credit score;
  • Neither CSS nor CST provide any guaranty that any action by you will have any effect on your credit score;
  • Both CSS and CST show the possible effects of a single variable on your credit score, whereas your actual credit score is determined by factoring in multiple variables simultaneously;
  • Neither CSS nor CST factor in the recalibration of scoring systems by the entities that create or use the scoring systems; and
  • Neither CSS nor CST factor in the effect of data discrepancies or changes that may occur to the data used to determine your actual credit score, due to circumstances beyond your control.

 

19) Important Information Regarding Indemnity

YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS US AND OUR OFFICERS, DIRECTORS, MEMBERS, PARTNERS, EMPLOYEES, AGENTS, ATTORNEYS, AFFILIATED ENTITIES, REPRESENTATIVES, AND VENDORS FROM ANY AND ALL CLAIMS, LOSSES, LIABILITIES, DEMANDS, DAMAGES, COSTS AND EXPENSES, INCLUDING REASONABLE ATTORNEYS’ FEES, IN ANY WAY ARISING FROM OR RELATED TO (I) A VIOLATION OF THESE TERMS OF USE, OR (II) ANY ACTIVITY RELATED TO THE USE OR MISUSE OF THE SITES OR THE SERVICES BY YOU OR BY ANY OTHER PERSON ACCESSING THE SITES OR THE SERVICES USING YOUR ACCOUNT. WE AND OUR VENDORS RESERVE THE RIGHT TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY INDEMNIFIED MATTER AT YOUR EXPENSE AND DOING SO WILL NOT EXCUSE YOUR INDEMNITY OBLIGATIONS.  

20) Important Information Regarding Disclaimer of Warranties and Limitations of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SITES AND THE SERVICES IS AT YOUR SOLE RISK. ALL MCH SERVCIES (AND THE INFORMATION CONTAINED THEREIN) ARE PROVIDED ON AN "AS IS'' AND "AS AVAILABLE'' BASIS. THE COMPANY AND ITS VENDORS EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT, AND INFORMATIONAL CONTENT. THE INFORMATION CONTAINED ON THE SITES OR VIA THE SERVICES DOES NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. THE COMPANY AND ITS VENDORS MAKE NO WARRANTY OR REPRESENTATION THAT (I) THE SITES OR THE SERVICES (AND THE INFORMATION CONTAINED THEREIN OR TRANSMITTED THEREBY) ARE ACCURATE, ERROR FREE, COMPLETE OR VALID, (II) THE SERVICES WILL BE DELIVERED IN A TIMELY FASHION, (III) THE SERVICES WILL BE DELIVERED ON AN UNINTERRUPTED BASIS OR BE ERROR-FREE; AND (IV) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE RELIABLE. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF THE SERVICES IS AT YOUR OWN RISK.

YOU UNDERSTAND AND AGREE THAT THE COMPANY AND ITS VENDORS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, MULTIPLIED, ADDITIONAL, STATUTORY, OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE SITES OR THE SERVICES, EVEN IF THE COMPANY OR ITS VENDORS HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES, INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON THE COMPANY, THEN YOU AGREE THAT THE COMPANY’S TOTAL LIABILITY TO YOU FOR ANY OR ALL OF YOUR LOSSES OR INJURIES FROM THE COMPANY’S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICES FOR THE ONE MONTH PRIOR TO THE DATE ON WHICH YOUR CLAIM AROSE, OR U.S. $30.00, WHICHEVER IS LESS.  

21) Your Agreements regarding which State’s law applies, where any Disputes between You and Us will take place, and the deadline for filing any suit against Us.

These Terms of Use and all issues collateral thereto are governed by, and will be construed in accordance with, the laws of the State of Texas, U.S.A., without regard to its choice of law rules, and regardless of your actual place of residence.  Without limiting the generality of the foregoing, you irrevocably and unconditionally (a) agree that this Agreement is to be performed in Dallas, Dallas County, Texas, and that any suit, action or other legal proceeding arising out of or related to these Terms of Use, the Sites or the Services or any issues collateral thereto must be brought in the state or federal courts in Dallas, Texas, (b) consent to the exclusive jurisdiction of each such court in any suit, action or proceeding, (c) expressly waive any objection which you may have to the venue of any such suit, action or proceeding in any of such courts, and (d) waive any right that you may have to assert the defense of forum non conveniens in any such suit, action or proceeding.  

22) Offers from Third Parties

While you are on the Sites, you may receive offers from third parties that are unrelated to the Company.  You do not have to accept those offers to enroll in any of the Services or to accept the Services.  However, if you do accept any third party offers, or visit any websites regarding such offers, you do so subject to the Terms and Conditions (sometimes also referred to as Terms of Use or Terms of Site) and the Privacy Policies of those sites.  You acknowledge and agree that the Company has no control over, or responsibility or liability for, any offer, statement, or representation by, or any other matter connected or associated with, such third party offers or websites.

23) ARBITRATION

YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND THE COMPANY AND THEIR PARENTS, AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES, INCLUDING BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION THAT WILL BE HELD IN DALLAS, TEXAS. ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL COURT HAVING JURISDICTION THEREOF. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT ("FAA''). NEITHER YOU NOR THE COMPANY SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.

Except where expressly prohibited by law, you agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Sites or the Services or related to these Terms of Use, must be filed within one year after such claim or cause of action arose or be forever barred.  

24) How we may contact you

We may communicate with and to you by e-mail sent to the email address you provided that you entered on a Site.  If you have not provided an email address, we may communicate with at any email or postal address that we reasonably believe is your address.  You agree that all such notices and other communications that we provide to you via email satisfy any legal requirement that such communications be in writing.

25) Applicability of FCRA

YOU UNDERSTAND THAT IT MAY BE A VIOLATION OF FEDERAL AND/OR STATE LAW FOR YOU TO OBTAIN A CREDIT REPORT ON ANY PERSON OTHER THAN YOURSELF, AND THAT UNDER THE FCRA, ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, UNITED STATES CODE, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

The FCRA allows you to obtain copy of all of the information in your consumer credit file disclosure from consumer reporting agencies for a reasonable charge. A Full disclosure of information in your file at the three national credit repositories must be obtained directly from the repositories by calling:

Experian:1-800-EXPERIAN (1-888-397-3742)
Equifax:1-800-685-1111
Trans Union:1-800-916-8800

The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:

  • You certify in writing that you are unemployed and intend to apply for employment in the next 60 days;
  • You are a recipient of public welfare assistance;
  • You have reason to believe that your file at the consumer reporting agency contains inaccurate information due to fraud;
  • You have been denied credit, insurance, or employment within the past 60 days as a result of your Credit Report;

The FCRA also permits consumers to dispute inaccurate information in their Credit Report without charge. Accurate information cannot be changed. You do not have to purchase your Credit Report from the Sites to dispute inaccurate or incomplete information in your credit file maintained by Experian, Equifax or Trans Union (the “Repositories”).

The FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the Repositories once every 12 months through a central source. Georgia residents can receive two disclosures per year. Although comprehensive, the credit reports from each of the Repositories that are available through the Sites may not have the same information as a credit report obtained directly from the Repositories or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com, or call 877-322-8228. Credit Reports available through the Sites are not related to the free FCRA disclosure that you are or may be entitled to.

The Credit Report you are requesting from the Company through the Sites is not intended to constitute the disclosure of Experian, Equifax or Trans Union information required by the FCRA or similar state laws.

Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may receive an additional free copy of their credit report once per year and residents of the state of Georgia may receive two (2) additional copies per year. For Illinois residents, credit reporting agencies are required by law to give you a copy of your credit record upon request at no charge or for a nominal fee

26) NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

The Company may offer access to your Credit Report and other credit information through one or more of the Services. The Company is not a credit repair organization, and is not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use or access any of the credit reports, the Sites, or the Services in order to do so.

Accurate adverse information in your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant Repository, and follow the appropriate procedures for notifying the Repository that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various Repositories related to the removal of inaccurate, non-fraudulent information is provided without charge to you and is available for free.

27) Miscellaneous Terms

These Terms of Use and the Offer Details on the Sites are the entire agreement between you and us relating to the Sites and the Services and they supersede all prior or contemporaneous oral or written communications, proposals and representations with respect to the Sites and the Services and any other subject matter covered by these Terms of Use, including prior versions of these Terms of Use.  Our failure to exercise or enforce any right under or provision of these Terms of Use will not constitute a waiver of such right or provision.  If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms of Use will remain in full force and effect.  You may not assign these Terms of Use or any of your rights or obligations under the Terms of Use.  These Terms of Use may be assigned by us and will inure to the benefit of our successors, assigns, and licensees.  The section titles in these Terms of Use are for convenience only and have no legal or contractual effect.  All of the Company’s Vendors are third party beneficiaries with respect to the provisions in these Terms of Use that reference them.  All provisions in these Terms of Use that by their nature would survive termination or expiration of your access to the Sites or the Services subscription (including but not limited to those related to limits on our and our Vendors’ liability, your liability to us and our Vendors, investigations, applicable law and venue, and our right to remove and discard your content from the Services) will survive such termination or expiration.   These Terms of Use will be interpreted without application of any strict construction in favor of you or against the Company. In the event of cancelation, termination, or cessation for any reason of your membership in any of the Services, sections 1-3, and 15-27 of these Terms of Use will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in this Website, these Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Last Updated:  4/29/09