USER WEBSITE USAGE AGREEMENT
Terms Applicable to All Users: Eligibility, License and Representation
upload, post, transmit, share, store or in any other way make available any content that we consider harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically, or otherwise objectionable;
except where authorized by the Company, register for more than one User account, register for a User account on behalf of someone else, operate a User account on behalf of an ineligible person, or register for a User account on behalf of a group or entity (except for approved investment accounts opened on behalf of legal entities or accounts opened for the purpose of participating in our Small Business lending program) without the Company’s permission;
upload, post, transmit, share, or make available any unsolicited or unauthorized advertising, solicitations, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, unless authorized by the Company;
upload, post, transmit, share, store, or otherwise make publicly available on the Site any private information of any third party, including but not limited to addresses, phone numbers, email addresses, Social Security numbers, and credit card numbers;
- solicit any personal information from any individual who is under 18 years of age or to solicit passwords or any other personally identifying information from any User for commercial or unlawful purposes;
- upload, post, transmit, share, or make available any material that contains computer viruses, malware, or any other harmful computer code, files, or programs that are intended to interfere with, destroy, or limit the functionality of any computer hardware or software or telecommunications equipment;
- upload, post, transmit, share, or make available any material that contains computer viruses, malware, or any other harmful computer code or program that is designed to interrupt, damage, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment;
- intimidate or harass another User;
- upload, post, transmit, share, store or otherwise make available any content that could lead to a criminal offense, encourage others to commit unlawful acts, violate the rights of any party, or create liability or violate any local, state, national or international law;
- access or attempt to access another user’s account, service, or system without their authorization or that of the Company, nor create a false identity on the Site. Moreover, you must not upload, post, transmit, share, store, or otherwise make available any content that the Company deems objectionable or that may limit or inhibit any person from using or enjoying the Site, or that may expose the Company or its users to any harm or liability of any kind.
Restrictions on Use of Our Online Materials
The Complete Debt Relief Site’s Online Materials, such as text, logos, trademarks, images, audio and video clips, and music, are protected by copyright laws and owned by Complete Debt Relief. Visitors may only download these materials for personal, non-commercial use, provided they retain all copyright, trademark, and propriety notices, make no modifications to the materials, and do not suggest an association with any of the company’s products, services, events, or brands. Visitors may not download quantities of materials for commercial purposes, copy, reproduce, republish, upload, post, transmit, distribute, or modify any Online Materials without the company’s written permission. Visitors are also prohibited from adding, deleting, distorting, or misrepresenting any content on the Complete Debt Relief site, and attempting to modify any Online Material or defeat security features is strictly prohibited.
The software, files, images, and data you download are licensed to you by Complete Debt Relief or third-party licensers for your personal, non-commercial home use only. Complete Debt Relief and its licensers retain full title and intellectual-property rights to the software and associated materials. Redistribution or sale of the material is prohibited, as is any attempt to reverse-engineer, disassemble, or otherwise convert it to a usable form.
All Users: Consent to Electronic Transactions and Disclosures
As our Company operates mainly on the Internet, we require your consent to conduct business with us electronically. To conduct business with us and our affiliated lenders, we also need your consent to receive certain disclosures electronically. These disclosures may be provided through our Site or sent to the email address you provide to us.
We will provide all disclosures to you electronically through our website or by sending them to your verified email address. If you need paper copies of these disclosures, you can request them by writing to us at the address provided below, and we will send them to you for a fee of up to $5.00 per disclosure. Please note that requesting a paper copy does not mean you are withdrawing your consent to receive disclosures electronically. We may stop providing disclosures electronically in compliance with applicable state and federal laws related to record retention.
Your agreement to receive Disclosures and conduct business electronically applies to any transactions related to the Disclosures between you and the Company, and will remain in effect as long as you are a User. Even if you are no longer a User, the agreement will continue until all Disclosures relevant to transactions that took place while you were a User have been provided to you.
Consideration of Electronic Business with Company. Prior to agreeing to do business with Company electronically, it is important for you to assess whether your current hardware and software capabilities meet the following requirements:
To access and keep electronic Disclosures, you must have the following computer hardware and software: access to the Internet, an email account with software that can receive emails via the Internet, supported web browsing software (Chrome version 32.0 or above, Firefox version 26 or above, Internet Explorer version 8.0 or above, or Safari version 7.0 or above), and hardware that can run this software. Please ensure that you have these necessary requirements before deciding to do business electronically with the Company.
I hereby give my explicit consent to receive calls and messages, which may include pre-recorded messages and automated calls, as well as SMS messages (including text messages), from the Company, its affiliates, agents, and other parties calling either on their behalf or at their request, using any telephone numbers that I have provided or may provide in the future, including any mobile or cellular telephone numbers. I understand that my cellular or mobile telephone provider may charge me based on my specific plan.
If you are using a mobile device to access our site and view the Disclosures electronically, you must also ensure that your device has the necessary software to print and save the Disclosures presented to you during the application process, in addition to meeting the requirements mentioned above. You can find these applications in the app store of most mobile devices. If your mobile device does not have these capabilities, please access our site using a device that does.
You have the right to withdraw your consent to receive Disclosures electronically by contacting us at the address given below. Please note that if you withdraw your consent, you will not be able to submit loan requests on our Site. If you have a pending loan request, we will terminate it and remove it from our system. However, if you have already received a loan, the previously agreed upon terms and conditions will still apply, and we will send Disclosures to your verified home address provided during registration.
It is your responsibility to print a copy of this Agreement for your records. By agreeing to this Agreement, you also acknowledge that you have the ability to access, receive, and retain all Disclosures that are sent to you electronically via email or posted on the Site.
Limitation of Liability
THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:
USE OF (OR INABILITY TO USE) THE SITE
USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE
FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED
ERROR ON OUR SITE
OMISSION ON OUR SITE INTERRUPTION OF AVAILABILITY OF OUR SITE
DEFECT ON OUR SITE
DELAY IN OPERATION OR TRANSMISSION OF OUR SITE
COMPUTER VIRUS OR LINE FAILURE
PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:
DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY
DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS ”CONSEQUENTIAL DAMAGES.”)
OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS ”INCIDENTAL DAMAGES.”)
WE ARE NOT LIABLE EVEN IF WE‘VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH.
Termination of This Agreement
This agreement will remain in effect until terminated by either party. You have the right to terminate this agreement at any time by removing and destroying all materials obtained from the Complete Debt Relief site, including all related documents and copies or installations. Complete Debt Relief reserves the right to terminate this agreement without notice if, in its sole discretion, it determines that you have violated any term or condition of this agreement. Upon termination, all materials must be destroyed. Additionally, we make no guarantee that the materials provided on our website will remain available to you, and Complete Debt Relief reserves the right to terminate all or part of any of its website without prior notice to you.
Links to Other Sites
We may provide links and referrals to other websites on our site, but we do not necessarily endorse or approve of the information or resources offered on those sites. It is important to check the URL address in your internet browser to ensure that you are still on a Complete Debt Relief-operated site. We are not responsible for the content or practices of third-party sites that may be linked to our site. When we provide links or references to other sites, it should not be assumed that we are connected with, operate, or control those sites. Any approved link must not suggest or imply that Complete Debt Relief endorses or supports the linked site or its content, or that there is an endorsement, sponsorship, or support by Complete Debt Relief, its employees, agents, or directors. This policy remains in effect even if we are affiliated with the linked site.
Jurisdiction and Other Points to Consider
The Resolution of Other Disputes
In the event of a dispute arising under this agreement, we will attempt to resolve it initially by utilizing a mutually agreed-upon mediator in Orange County, CA. Any costs and fees related to the mediation, other than attorney fees, will be divided equally between us.