IMPORTANT: ALL ARTICLES, MATERIAL AND INFORMATION DISPLAYED BY CREDILIFE® ON THIS WEBSITE ARE FOR INFORMATIONAL PURPOSES ONLY, AND ARE NOT, NOR INTENDED TO BE, CONSIDERED LEGAL ADVICE OR A SUBSTITUTE FOR SPECIFIC ADVICE.
You acknowledge that no confidential, fiduciary, contractually implied or other relationship is created between you and Credilife® by your use of this website other than as strictly defined pursuant to the Policy and any subsequent agreement entered into with Credilife® or its affiliates.
Credilife® collects information about users in multiple ways. For instance, information may be manually entered by the user on our website, and is limited in comparison to what you provide to us or our affiliates when you sign up for services; which may consist of your name, address, e-mail address, telephone number, Social Security number, date of birth, billing and credit report information (“Personal Information”). All Personal Information provided is available for your review and update. As part of the promoted services, we may also obtain Personal Information from other sources. For instance, we may observe the domain name you use to access the Internet, the IP address of the computer you are using, the links you use to reach this website, the browser and operating system you are using, the date and time you access this website, the length of your visit and user-specific information on the pages you access. In order to help us collect certain information to make your experience more personal, we may use available internet technologies, such as small text files called “cookies,” or other tracking mechanisms. We use the information we gather to help us improve this website and our services, and to protect against fraud and misuses of our services. Credilife® may use your Personal Information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to reject all cookies. In most cases, you can do this by changing the settings on your browser (e.g., Internet Explorer, Safari, Mozilla Firefox, etc.). Each browser is a little different, so look at your browser’s “Help” menu to learn how to modify its settings to reflect your cookie preferences. Please note, however, if you choose to reject cookies, you may not have access to many features that make your Web experience smoother, and some of our services may not function properly.
Non-Personal Information includes:
We may collect specific information for the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.
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.
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 website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site.
In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site.
We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.
In order to provide the types of services we provide to you we must collect certain necessary information in order to perform those services. We collect personal information to enroll you in our service and to provide our services for you. Once you have retained Credilife®, we use your Personal Information to attempt to correct inaccuracies, mistakes and misleading items on your credit reports.
In addition to helping us deliver our services, we use the information that we collect generally to better understand your preferences, interests and history using this website. With this information we may tailor our services and communicate with you regarding administrative notices, special offerings and upgrades to our services. If you provide us with your e-mail address, we may occasionally send you e-mail offers, informing you about products, services and news. If you provide us with your postal address, you may receive periodic mailings from us with information on new products and services or special announcements. These offers may be based on information you provided us and on your history using our services. You may have the choice to opt-out of receiving communications from us by specifying your request when you register, by contacting us in writing at the address below or by following an unsubscribe process included in our ongoing communications. All Personal Information provided to Credilife® is stored in a secure database for the sole purpose of rendering our services to you. If we are going to use your Personal Information differently from that stated at the time of collection, we will try to contact you via e-mail using the most recent information we have on file.
Credilife® uses industry-standard procedures to maintain your Personal Information in strict confidence. It is, however, necessary for Credilife® to share some of your Personal Information with its employees and service providers in order to provide you with credit repair services. If you provide Personal Information within a registration page (which may be subject to separate contractual terms and conditions), it will be used in the operation of this website and to fulfill your requests for products and services by sharing certain Personal Information with, for example, credit reporting agencies. Credilife® works with third-party companies that help us provide our services to you. In these instances, we may need to make available and/or provide your Personal Information to these companies. Credilife® will at times share, transfer or convey your personal information to third parties to perform our services.
If there is a change of control in Credilife®’s business, information contained in our databases could be sold as part of a merger or sale transaction and your Personal Information may be used by the purchaser.
Although unlikely, we may be required by law enforcement, regulatory authorities and/or judicial authorities to provide personally identifiable information to the appropriate governmental authorities. If requested as part of a legal proceeding, we will provide this information upon receipt of the appropriate documentation.
Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), are integrated on this website.
By interacting with Credilife® through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have on-going access to information from your social network profile.
You either have the ability to access and update the Personal Information that you have provided to us by logging into your account on this website (if applicable), and/or by sending a written request to the address included below. If you have questions or concerns about this Policy, or to deactivate your account, please contact us at the address provided below.
In order to maintain our databases, we may retain the information we collect for an indefinite period of time. We reserve the right to store information received from and about visitors to this website in secure locations of our choosing for any amount of time we deem necessary. This information becomes the property of Credilife® and may be used at our discretion in accordance with this Policy.
We take reasonable physical, electronic, procedural and other security measures to help safeguard Personal Information from unauthorized access or disclosure. You should also take an active role in the protection of your information by keeping your password confidential, fully logging out of websites and exiting your Internet browser each time you finish a session. Other precautions you can take to safeguard yourself and keep your information confidential include:
Notify us if you feel there has been a breach of privacy or security related to your Personal Information.
We do not knowingly request personally identifiable information from children under the age of 13 without the consent of a parent or legal guardian, and we comply with the Children’s Online Privacy Protection Act (“COPPA”). For more information about protecting the privacy and safety of minors online, we recommend you visit the Federal Trade Commission (“FTC”) and TRUSTe websites. We urge parents to regularly monitor and supervise their children’s online activities.
CREDILIFE® AND ITS OWNERS, DIRECTORS, OFFICERS, AFFILIATES, EMPLOYEES, AGENTS, REPRESENTATIVES, SUPPLIERS, LICENSORS, LICENSEES AND CONTRACTORS (ALL OF THE FOREGOING, COLLECTIVELY, THE “REPRESENTATIVES”) MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THIS WEBSITE, ANY LEGAL ADVICE IN ANY EMAIL SENT BY ANY CURRENT OR PAST EMPLOYEE OR STAFF MEMBER ASSOCIATED WITH CREDILIFE®,ITS CONTENT OR ABOUT THE SUITABILITY OF THE INFORMATION, RESOURCES, PRODUCTS AND SERVICES CONTAINED ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH ITEMS ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. CREDILIFE® AND ITS REPRESENTATIVES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT WITH RESPECT TO THIS WEBSITE AND ANY WEBSITE WITH WHICH IT IS LINKED. CREDILIFE® ALSO MAKES NO REPRESENTATIONS OR WARRANTIES AS TO WHETHER THE INFORMATION ACCESSIBLE VIA THIS WEBSITE, OR ANY WEBSITE WITH WHICH IT IS LINKED, IS ACCURATE, COMPLETE OR CURRENT. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY AND COMPLETENESS OF ALL INFORMATION, OPINIONS AND OTHER MATERIAL ON THIS WEBSITE OR ANY WEBSITE WITH WHICH IT IS LINKED.
IN NO EVENT SHALL CREDILIFE® OR ITS REPRESENTATIVES BE LIABLE FOR ANY DAMAGES (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A COMPUTER OR ELECTRONIC VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY), CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER RELATED TO THE USE OF THIS WEBSITE OR ANY WEBSITE WITH WHICH IT IS LINKED, OR FOR ANY INFORMATION, PRODUCT OR SERVICE OBTAINED THROUGH THIS WEBSITE, EVEN IF CREDILIFE® OR ANY OF ITS REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You may view, download and print information from this website for your personal (non-commercial) use only, but you may not remove any trademark, copyright, or notice appearing there. All other uses are prohibited. You may not copy, alter, share, reuse, resell, license, create derivative works from or transfer materials from this website for any other reason, without prior written permission from Credilife®.
All links to this website must appear as hypertext, without use of Credilife®’s logos or trademarks. You may not use a hyperlink to present materials on this website as your own. Deep-linking is strictly prohibited unless approved by Credilife® in writing (a deep-link is a hyperlink that bypasses a website’s home page and brings a visitor directly to an interior page). You may not frame this website or any content provided by Credilife® (framing is an alternative form of linking that allows viewing of a linked web page within a “frame” of the original website). You may not use Credilife®’s URL’s (Uniform Resource Locator), trademarks, service marks, trade names, meta tags, or other materials in the meta or alt tags of any other website (such tags provide information about a website which search engines use to prioritize results), or to effect any “matchmaking” advertising by third parties.
You may not use this website for any unlawful or prohibited purpose. You may not use the information or content provided on this website in a way that may suggest any connection with or endorsement of any product or service, or which violates any property, privacy or other rights.
Information posted in bulletin boards, blogs, chat rooms, e-mail messages and other forums may be posted, read and collected by members of the general public – please use caution in posting and/or using any such information. Credilife® is not responsible for messages, images, text or other materials submitted on such forums. You may only use these forums for appropriate, related content. When using a forum, you may not: (a) use language to defame, abuse, harass, stalk, threaten or violate the legal rights of others; (b) publish, post or circulate any defamatory, abusive, harmful, discourteous, infringing, obscene, pornographic, profane, indecent, malicious, threatening or unlawful material or information; (c) upload content that infringes on any copyright, trademark, patent, or other proprietary rights of others; (d) upload files that contain viruses, worms, Trojan horses, time bombs, corrupted files, or any other software or program that may damage, disable, overburden or impair the operation of another’s website, computer or network; (e) falsify the origin or source of content; or (f) advertise or offer to sell any goods and services, or conduct or forward surveys, contests or other promotions without the express written consent of Credilife®. You grant Credilife® a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, copy, modify, display, archive, store, distribute, reproduce and create derivative works from all content provided via this website, in any form, media, software or technology of any kind now existing or developed in the future. Without limiting the generality of the foregoing, you authorize Credilife® to include the content you provide in a searchable format that may be accessed by visitors of this website and other websites and search engines. You further grant Credilife® permission to use any information, suggestions, ideas, drawings or concepts communicated for any purpose, commercial, public or otherwise, without the need for additional compensation of any sort to you. Credilife® reserves the right to: (i) review at any time and to delete any content that may be deemed inappropriate or appear to be in violation of this Policy; and (ii) to block an individual entirely if such individual’s use of this website is deemed inappropriate by Credilife® in its sole discretion.
The CCPA covers every “business” that collects and sells consumer “personal information” or discloses personal data for a business purpose that meets specific criteria. Credilife® does not meet any one of the applicable three additional criteria to require specific disclosures as they may relate to the CCPA.
BY ACCESSING THIS WEBSITE, AND/ OR ANY SERVICE OFFERED UNDER CREDILIFE® AND/OR ANY DIRECT/INDIRECT COMMUNICATION IN ANY KIND WITH CREDILIFE®, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS POLICY AND AGREE TO ALL ITS TERMS AND CONDITIONS. YOU ALSO CONSENT TO THE COLLECTION AND USE OF YOUR PERSONAL INFORMATION BY CREDILIFE®. IF YOU DO NOT AGREE, PLEASE DO NOT ACCESS AND/OR USE THIS WEBSITE.
BY USING CREDILIFE®’S WEBSITE AND/OR BY ENGAGING CREDILIFE®’S SERVICES, AND/OR ANY DIRECT OR INDIRECT ANY COMMUNICATION VIA PHONE AND/OR EMAIL, YOU AGREE TO ARBITRATE ALL DISPUTES AND CLAIMS BETWEEN YOU AND CREDILIFE® ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST CREDILIFE® IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST CREDILIFE® IN ANY JURISDICTION IN THE UNITED STATES. CREDILIFE® WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION.
We agree to provide you access to The Site in accordance with the Terms and Conditions.
You accept that The Site & any Credilife® service or communication is provided on an “as is, as available” basis.
The materials included in The Site are for general information purposes only and do not constitute legal advice. They are not intended to be a substitute for obtaining legal advice from legal counsel. ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE SITE ARE FOR INFORMATION ONLY, ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN LEGAL COUNSEL. CREDILIFE® does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through The Site. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. Credilife® reserves the right, in its sole discretion, to correct any errors or omissions in any portion of The Site.
YOUR ACCESS TO AND USE OF THE SITE MAY BE TERMINATED AT ANY TIME FOR ANY REASON OR FOR NO REASON BY YOU OR BY US.
The Site is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions, and other copyright laws. You are authorized to download one copy of the material displayed or performed on The Site (“Content”) on one computer for your personal, non-commercial use only but you may not in so doing remove or amend any trademark, copyright or other proprietary notice. All materials contained on The Site are protected by copyright and are owned or controlled by Credilife® or the party credited as the provider of the Content. You will abide by any and all additional copyright notices, information, or restrictions contained in any Content on The Site. Permission is given to view the material on these Web pages and save that material only for your personal reference. Copying or storing of any Content for other than personal, noncommercial use is expressly prohibited without the prior written permission from Credilife® or the copyright holder identified in the individual Content’s copyright notice.
Subject to the above, you may not modify, copy, distribute, republish or upload any of the material on The Site in any way unless you obtain the prior written consent of Credilife®. No intellectual property or other rights shall be transferred to you through your use of The Site. We are not able to confirm that the materials contained on these Web pages are correct in every case. Credilife® reserves the right to make changes to The Site, including the availability of any feature, database, Content, Web page materials, product information and prices on The Site at any time without notice or liability. Credilife® may also impose limits on certain features and services or restrict your access to parts or all of The Site without notice or liability.
To the extent that any portions of The Site (such as “chat rooms” or “bulletin boards”) provide users an opportunity to post and exchange information, ideas or opinions (“Postings”), BE ADVISED THAT WE DO NOT SCREEN, EDIT, OR REVIEW POSTINGS PRIOR TO THEIR APPEARANCE ON THIS WEBSITE, and Postings do not necessarily reflect our views. To the fullest extent permitted by applicable laws, we exclude all responsibility and liability for the Postings or for any losses or expenses resulting from their use and/or appearance on The Site.
You represent, warrant and covenant that: (a) you shall not upload, post or transmit to or distribute or otherwise publish through The Site any materials which (i) restrict or inhibit any other user from using and enjoying The Site, (ii) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, (iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right, (v) contain a virus or other harmful component, (vi) contain any information, software or other material of a commercial nature, (vii) contain advertising of any kind, or (viii) constitute or contain false or misleading indications of origin or statements of fact; and (b) that you are at least eighteen (18) years old.
We reserve the right to monitor all Postings or other materials posted on The Site and to remove any which we consider in our absolute discretion to be: (a) offensive, (b) inappropriate, (c) criminal or (d) otherwise in breach of the Terms and Conditions. We do not and cannot review all materials posted to The Site by users, and we are not responsible for any such materials posted by users. However, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or government request, or to edit, refuse to post or to remove any information or materials, in whole or in part, that in the sole discretion of Credilife® are objectionable or in violation of the Terms and Conditions.
You acknowledge that transmissions to and from The Site are not confidential and your Communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted e-mails or “Spam,” may be prosecuted to the full extent of the law. You acknowledge that by submitting Communications to Credilife®, no confidential, fiduciary, and contractually implied or other relationship is created between you and Credilife® other than pursuant to the Terms and Conditions and any subsequent written agreement entered into with Credilife®.
THE SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED “AS IS, AS AVAILABLE.” TO THE FULLEST EXTENT PERMISSIBLE BY LAW, CREDILIFE® AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. FURTHER, CREDILIFE® AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CREDILIFE® DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CREDILIFE® AND ITS SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE FOR THE USE OF THE SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. FURTHER, IN NO EVENT WILL CREDILIFE® BE LIABLE FOR ANY LOSS OF PROFITS, BUSINESS, USE OF DATA OR FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHETHER BASED IN CONTRACT, NEGLIGENCE OR OTHER TORT. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, WE ON BEHALF OF OUR EMPLOYEES, AGENTS, SUPPLIERS, AND CONTRACTORS, DISCLAIM AND EXCLUDE LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS THE SITE OR ANY WEBSITE WITH WHICH IT IS LINKED. YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY.
You hereby agree to indemnify, defend and hold Credilife®, and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of the Terms and Conditions or the foregoing representations, warranties and covenants, including, without limitation, attorneys’ fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. Credilife® reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of Credilife®.
Where we provide hypertext links from or to third party sites we do so for convenience and information purposes only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to the website, the content of those sites, the third parties named therein, or their products, resources or services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking, and we accept no liability nor make any endorsement or approval of the same.
These Terms and Conditions contain the entire understanding between us with respect of The Site and no representation, statement, inducement oral or written, not contained herein shall bind either of us. Creditrepair.com reserves the right, at its sole discretion, to change, modify, add or remove any portion of the Terms and Conditions, in whole or in part, at any time. Notification of changes in the Terms and Conditions will be posted on The Site.
You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Terms and Conditions shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Terms and Conditions will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Terms and Conditions to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.
Pursuant to Federal law we are providing the following separate written statement for your review and you acknowledge receipt thereof, which, pursuant to the requirements of Federal law, will also be delivered with any contract for credit report repair services entered into with Credilife®:
The terms and conditions of use in this Terms and Conditions are subject to change at any time. You should review the Terms and Conditions regularly for any changes.
You have a right to dispute inaccurate information in your credit report by contacting the applicable credit bureau(s) directly. Please note, however, that neither you nor any credit repair company 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 seven (7) years old. Bankruptcy information can be reported for up to ten (10) years.
You have a right to obtain a copy of your credit report from a credit bureau, and 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 sixty (60) days. Further, the credit bureau must provide someone to help you interpret the information in your credit file. You are also entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next sixty (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, 15 U.S.C. § 1679, et. seq. This law was put in place to protect consumers from unscrupulous practices by organizations who deceptively claim to repair credit. You have the right to cancel your contract with any credit repair organization for any reason within five (5) days from the date signed you sign such contract.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. 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.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact, visit http://www.ftc.gov/os/statutes/croa/croa.shtm or contact:
The Public Reference Branch Federal Trade Commission Washington, D.C. 20580
12751 County Road 5 Suite 100
Burnsville, MN 55337