Disclaimer  FREE CREDIT DISPUTE Website Terms Of Use Acceptance of Terms of Use Welcome to the FreeCreditDispute.com ("FCD") web site (the "Website"). Please read these Terms of Use ("TOU") for FreeCreditDispute.com’s Website. FreeCreditDispute ("we") requires that all visitors ("you") to our Website abide by the following TOU. By accessing and using the Website, and the information and software tools available through the Website, you expressly agree and consent to be legally bound by these TOU. If you do not agree to these TOU, please do not access or use the Website. These TOU are in addition to any other agreements between you and FreeCreditDispute.com, and any other agreements that govern your use of products, services, content, tools and information available on the Website. Modification of Terms of Use FreeCreditDispute.com owns and operates the Website and reserves the right, at its discretion, to modify the TOU at any time and any such modification will be effective immediately upon posting the modification. You should check these TOU periodically for modifications. If you use the Website after we post modifications to the Website, then you will be bound by such modifications. Description of Services The Website provides you with access to information concerning financial software and education tools, programs, products and services offered by independent and affiliated service providers and a variety of resources, including but not limited to articles, tools and calculators, download areas, communication forums, and product information (collectively "Services"). The Services, including any modifications, deletions, updates, enhancements and new features (collectively "Site Changes") are subject to these TOU. We reserve the right to make any Site Changes at any time and in any manner, without prior notice. Website Use Limitations The Website is intended only for your personal, non-commercial use and display. We hereby grant you a limited, nonexclusive, nontransferable license to view and bookmark the pages within this Website provided that you agree not to remove any copyright or other notices contained therein. In addition, you may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any pages, data, information, software, products or Services obtained from the Website unless you have obtained the prior written permission of FreeCreditDispute.com. We reserve all rights not expressly granted herein, and expressly reserve the right to monitor any and all use of the Website and its Services. In consideration of your use of the Website and its Services, you represent and agree that you are at least 18 years of age, able to form a binding contract, and are not a person barred from receiving Services under the laws of the United States or other applicable jurisdiction. You also agree that you will: (a) not violate any laws, third party rights, or our policies, including, but not limited to the Privacy Policy and the terms of this TOU; (b) provide true, accurate, current and complete information about yourself and your financial situation; (c) not circumvent or manipulate our fee structure, the billing process, or fees owed to FreeCreditDispute.com; (d) not post false, inaccurate, misleading, defamatory, libelous or copyrighted/trademarked content; (e) not distribute or post spam, chain letters, pyramid schemes, viruses or any other technologies that may harm FreeCreditDispute.com, its Website or the users thereof; (f) not copy, modify, or distribute content from the Website, the Services and FreeCreditDispute.com 's copyrights and trademarks, or remove any proprietary notices from materials you obtain through the Website or its Services, including but not limited to, copyright or trademark notices; (g) not use the Website or its Services in any manner that could damage, disable, overburden, or impair any FreeCreditDispute.com server, or the network(s) connected to any FreeCreditDispute.com server, or interfere with any other party's use and enjoyment of any the Website or its Services; and (h) not attempt to gain unauthorized access to the Website or its Services, other usernames, computer systems or networks connected to any FreeCreditDispute.com server through hacking, password mining or any other means. Furthermore, you may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website or its Services. If you violate any of these TOU, or FreeCreditDispute.com has reasonable grounds to suspect that you have violated these TOU, FreeCreditDispute.com has the right to suspend or terminate your account and refuse any and all current or future use of the Website and its Services. No Guarantees / No Advice Nothing on the Website or in the Services constitutes a promise, guarantee or warranty by FreeCreditDispute.com to make a loan to you, extend credit to you, or to settle your existing debt for you. = Trademarks / Copyrights / Other Rights FreeCreditDispute.com owns and retains the rights to the Website, the Services and to all text, logo or graphic images appearing therein, and all such materials is protected by copyright, trademark, and other laws. Nothing in these TOU transfers any rights in such materials to you or any third party. FreeCreditDispute.com 's trademarks and servicemarks may not be used in connection with any product or services that is not FreeCreditDispute.com's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits FreeCreditDispute.com. All other marks appearing on the Website are the exclusive property of their respective owners. All content, and the compilation thereof, on this Website, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, is the exclusive property of FreeCreditDispute.com or its content vendors and is protected by United States and international copyright laws. All software used on the Website or in the Services is the exclusive property of FreeCreditDispute.com or its software suppliers and is protected by U.S. and international copyright laws and other laws. Privacy and Electronic Communications FreeCreditDispute.com takes your privacy very seriously. We are committed to the highest standards in protecting and safeguarding your right to privacy while using the Website and its Services. Please review our Privacy Policy in full [Privacy Policy] to understand our privacy practices. Importantly, by using this Website and its Services, you understand and voluntarily consent to the collection and use of your information as set forth in the Privacy Policy. You should be aware that web sites not owned by FreeCreditDispute.com ("Linked Sites") may contain transmission of personal data provisions that differ from the provisions provided herein. FreeCreditDispute.com is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. For further information on how we use your personal information, please see our Privacy Policy [Privacy Policy]. Website Registration, Password, and Security In order to use the Website and its Services, you must complete the registration process by providing us with current, complete and accurate information as prompted by the registration form. You also will choose a username and password. You are entirely responsible for maintaining the confidentiality of your username and password. Furthermore, you are entirely responsible for any and all activities that occur under your username. You must notify us immediately of any unauthorized access or use of your username or any other breach of security. By using the Website, you expressly acknowledge that you will not be liable for any loss that you may incur as a result of someone else using your password or username, either with or without your knowledge or consent. If you are under 18, you may not use the Website. NetDebt reserves the right to refuse service, terminate accounts, and remove or edit content in their sole discretion. Warranty Disclaimers YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE WEBSITE, SERVICES, RELATED DOCUMENTS AND ALL OTHER INFORMATION OR SERVICES AVAILABLE ON THE WEBSITE, INCLUDING TEXT, IMAGES, AND LINKS, AND THE INFORMATION ON ANY LINKED SITE, WHETHER AFFILIATED OR UNAFFILIATED WITH NETDEBT, WHICH YOU MAY VISIT THROUGH THIS WEBSITE, ARE PROVIDED "AS IS," "WHERE IS," AND "AS AVAILABLE," BY NETDEBT, AS A CONVENIENCE TO ALL USERS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, NETDEBT EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND WITH RESPECT TO THE WEBSITE, SERVICES, RELATED DOCUMENTS, THESE TOU, THE PRIVACY POLICY OR ANY OTHER INFORMATION AVAILABLE ON OR THROUGH THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, THE EXPRESS OR IMPLIED WARRANTIES: (I) OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (II) OF INFORMATIONAL CONTENT OR ACCURACY; (III) OF NON-INFRINGEMENT; (IV) OF QUIET ENJOYMENT; (V) OF TITLE; (VI) THAT THE WEBSITE, SERVICES OR RELATED DOCUMENTS WILL BE UNINTERRUPTED, TIMELY, SECURE OR FREE OF VIRUSES, ERRORS, WORMS, DATE BOMBS, TIME BOMBS OR OTHER HARMFUL COMPONENTS; (VII) THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; (VIII) THAT THE WEBSITE, SERVICES OR RELATED DOCUMENTS WILL BE COMPATIBLE WITH ANY PARTICULAR HARDWARE OR SOFTWARE PLATFORM; OR (IX) THAT THE WEBSITE, SERVICES OR RELATED DOCUMENTS WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. EFFORTS BY NETDEBT TO MODIFY THE SITE SHALL NOT BE DEEMED A WAIVER OF THESE LIMITATIONS. THE WEBSITE, SERVICES, RELATED DOCUMENTS, THESE TOU, OR THE PRIVACY POLICY COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. NETDEBT AND/OR ITS SERVICE PROVIDERS MAY MAKE CHANGES IN THE SITE, SERVICES AND/OR RELATED DOCUMENTS AT ANY TIME AND FROM TIME TO TIME. ANY CONTENT OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE, SERVICES OR RELATED DOCUMENTS IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE ACCESS, VIEWING OR DOWNLOAD OF ANY SUCH CONTENT. IN JURISDICTIONS THAT DO NOT ALLOW LIMITATIONS ON IMPLIED OR EXPRESS WARRANTIES, FREECREDITDISPUTE'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. Limitation of Liability / General Release BY USING THE WEBSITE, SERVICES OR RELATED DOCUMENTS, YOU EXPRESSLY UNDERSTAND AND AGREE THAT FREECREDITDISPUTE AND ITS OWNERS, SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, ATTORNEYS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, INTERRUPTION OF BUSINESS, OR OTHER TANGIBLE OR INTANGIBLE LOSSES HOWSOEVER CAUSED WHETHER ARISING UNDER OR IN CONNECTION WITH THE WEBSITE, SERVICES, RELATED DOCUMENTS, THESE TOU, THE PRIVACY POLICY OR OTHERWISE EVEN IF NETDEBT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR WAS NEGLIGENT. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES THAT MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE EVENT. BY USING THE WEBSITE, YOU ALSO EXPRESSLY UNDERSTAND AND AGREE THAT FREE CREDIT DISPUTE OR ANY THIRD PARTY ENGAGED IN PROVIDING SERVICES TO YOU ON OR THROUGH THE WEBSITE SHALL NOT BE RESPONSIBLE OR LIABLE FOR THESE DAMAGES OR OTHER OCCURRENCES BEYOND THE CONTROL OF NETDEBT OR SUCH THIRD PARTIES. IN JURISDICTIONS THAT DO NOT ALLOW LIMITATION OF CERTAIN DAMAGES, FREE CREDIT DISPUTE'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. BY USING THIS WEBSITE, SERVICES OR RELATED DOCUMENTS, YOU EXPRESSLY AND GENERALLY RELEASE AND WAIVE ANY AND ALL CLAIMS AGAINST FREE CREDIT DISPUTE AND ITS OWNERS, SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, ATTORNEYS, PARTNERS AND LICENSORS IN RELATION TO THE WEBSITE, SERVICES, RELATED DOCUMENTS, THESE TOU, AND THE PRIVACY POLICY. Indemnity You agree to defend, indemnify and hold FreeCreditDispute.com and its owners, subsidiaries, affiliates, officers, agents, employees, attorneys, contractors, partners, service providers, and licensors harmless from and against any and all claims, liabilities, losses, suits, damages, disputes, or expenses, including reasonable attorney's fees and costs, arising out of or in any way related to your use of the Website, Services or related documents, including, but not limited to, any third party claims, claims arising from your violation of the TOU or the Privacy Policy, claims arising from your violation of any rights of another or claims arising out of content you submit, post, transmit or otherwise make available through the Website. Linking A link to a Linked Site does not mean that FreeCreditDispute.com endorses or accepts any responsibility for the content, functioning or use of such Linked Site, and you hereby agree that you are entering any such web site at your own risk. You agree that FreeCreditDispute.com has no control over or liability for information on Linked Sites. You should be aware that Linked Sites may contain terms of use, rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that are different from the provisions provided on this Website. FreeCreditDispute.com is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. Further, FreeCreditDispute.com prohibits unauthorized hypertext links to the Website, or the framing of the Website. Termination FreeCreditDispute.com reserves the right to discontinue providing and/or to terminate your access to the Website, Services, and related documents, or any portion thereof, at any time and for any reason. General Information Entire Agreement. These TOU constitutes the entire agreement between you and FreeCreditDispute.com with respect to your use of the Website, the Services or the related documents, and supersedes all prior or contemporaneous communications, promises, agreements and proposals, whether oral, written or electronic, between you and FreeCreditDispute.com with respect thereto. All rights not expressly granted herein are reserved. No Right of Survivorship and Non-Transferability. You agree that your FreeCreditDispute.com account is non-transferable and any rights to your FreeCreditDispute.com account or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted. Statute of Limitations. 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 Website, Services, related documents, TOU, or Privacy Policy must be filed within one (1) year after such claim or cause of action arose or be forever barred. Section Titles. The section titles in these TOU are for convenience only and have no legal or contractual effect.

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