This Web Site Terms and Conditions of Use Agreement (the "Terms of Use") is
between the party ("you") using The Site ("creditrecoverypro.com") and B&D
Consultants, Inc. dba Credit Recovery Pro with a principal place of business at 1616
Pacific Avenue Atlantic City, NJ 08401. You should carefully read the Terms of Use
before using The Site. By using The Site you agree to be bound by the terms and
conditions of use set forth in the Terms of Use. This is a legally binding agreement. If
you do not agree with the Terms of Use you should not use and must leave The Site.
1. We agree to provide you access to The Site in accordance with the Terms of Use.
2. You agree to use The Site in a manner consistent with the Terms of Use and all
applicable rules and regulations. You acknowledge that you have read the Terms of
Use and that you accept the terms thereof. You agree to read these terms of use
carefully before using The Site. If you do not agree to the Terms of Use, you may not
access or otherwise use The Site.
3. You accept that The Site is provided on an "as is, as available" basis.
4. 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. We do 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. We reserve the right, in its sole discretion, to correct any errors or omissions in any
portion of The Site.
5. YOU’RE 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.
6. WE MAY, SUBJECT TO AND IN ACCORDANCE WITH OUR PRIVACY POLICY
FOR MARKETING AND OTHER PURPOSES, COLLECT, PROCESS AND TRANSMIT
CERTAIN DATA OBTAINED FROM AND ABOUT YOU IN THE COURSE OF YOUR
ACCESSING THE SITE. BY AGREEING TO THESE TERMS YOU AGREE TO SUCH
DATA BEING SO USED AND FURTHER AGREE THAT IT MAY BE TRANSMITTED
TO OTHERS WHETHER OR NOT WITHIN THE UNITED STATES IN ACCORDANCE
WITH OUR PRIVACY POLICY AND UNDER APPLICABLE PRIVACY AND DATA
PROTECTION LEGISLATION. Information on how and what type of data (if any) is held
about you can be obtained by clicking here to review our privacy policy or by contacting
us
7. 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 us 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 Credit Recovery Pro or the copyright holder identified in the
individual Content's copyright notice.
8. 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 Credit
Recovery Pro. 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. Credit Recovery Pro 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. Credit Recovery Pro may also impose limits on certain features and services or
restrict your access to parts or all of The Site without notice or liability.
9. 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 Communications
or 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 emails or "Spam," may be prosecuted to
the full extent of the law." You acknowledge that by submitting Communications to
Credit Recovery Pro, no confidential, fiduciary, contractually implied or other
relationship is created between you and Credit Recovery Pro other than pursuant to
these Terms of Use and any subsequent written agreement entered into with Credit
Recovery Pro.
10. 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. CREDIT RECOVERY PRO 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, CREDIT RECOVERY PRO AND ITS SUBSIDIARIES AND
AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING,
WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE. CREDIT RECOVERY PRO 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. CREDIT RECOVERY PRO 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 CREDIT RECOVERY PRO 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 WEB SITE WITH WHICH
IT IS LINKED. YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH
PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER
NECESSARY.
11. You hereby agree to indemnify, defend and hold Credit Recovery Pro, 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 these Terms of Use 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. Credit Recovery Pro 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 Credit
Recovery Pro.
12. 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.
13. These Terms of Use 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. Credit Recovery Pro reserves the right, at its sole
discretion, to change, modify, add or remove any portion of these Terms of Use, in
whole or in part, at any time. Notification of changes in these Terms of Use will be
posted on The Site.
14. Should any part of the Terms of Use be declared invalid or unenforceable by a court
of competent jurisdiction, this shall not affect the validity of any remaining portion and
such remaining portion shall remain in full force and effect as if the invalid portion of the
Terms of Use had been eliminated.
15. The Site, any information provided from it and the Terms of Use are given and made
in the state of New Jersey, United States of America. THIS TERMS OF USE
AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE
WITH THE LAWS OF THE STATE OF NEW JERSEY, WITHOUT REGARD TO
CONFLICTS OF LAWS PROVISIONS. SOLE AND EXCLUSIVE JURISDICTION FOR
ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATED TO THIS TERMS
OF USE AGREEMENT SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT
LOCATED IN DU PAGE COUNTY IN THE STATE OF NEW JERSEY.
16. Pursuant to Federal law we are providing the following separate written statement
for your review and to 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 Credit Recovery Pro:
17. I agree to (1) be contacted about credit repair or credit repair marketing by a live
agent, artificial or prerecorded voice, and SMS text at my residential or cellular number,
dialed manually or by auto dialer, and by email by Credit Recovery Pro and by its
partners regarding offers and notifications (consent to be contacted is not a condition to
purchase services).
18. The terms and conditions of use in this Terms of Use are subject to change at any
time. You should review the Terms of Use regularly for any changes.
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.