If you do not agree to the Terms of Use, please discontinue using the site immediately!

By using this site, you acknowledge and agree to these Terms of Use. If you do not agree to these Terms of Use, please do not use the site.

ConsumerCreditCounselling.net reserves the right to revise these Terms Of Use at any time and your continued use of this site following the posting of any changes to the Terms Of Use constitutes your acceptance of such changes. ConsumerCreditCounselling.net reserves the right to terminate a User's use of this site at any time without notice and may do so for any breach of this Terms Of Use or the instructions on this site by User. This Terms Of Use applies to licensors and advertisers as well.

Restrictions on Use of Materials

Except as may be explicitly permitted through this site, you agree not to save, download, cut and paste, sell, license, rent, lease, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from materials, code or content on or from this site. 

Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from ConsumerCreditCounselling.net is prohibited. In addition, use of the content or materials for any purpose not expressly permitted in this Terms Of Use is prohibited.

Database Ownership, License, and Use

Except with regard to personal information, all information which you post on this site or communicate to ConsumerCreditCounselling.net through this site (collectively "Submissions") shall forever be the property of ConsumerCreditCounselling.net. ConsumerCreditCounselling.net shall not treat any submission as confidential and shall not incur any liability as a result of any similarities that may appear in future Company services or products. 

Without limitation, ConsumerCreditCounselling.net shall have exclusive ownership of all present and future existing rights to any Submission of every kind and nature everywhere. You acknowledge that you are fully responsible for the message, including its legality, reliability, appropriateness, originality and copyright. You hereby represent and warrant that your Submission does not infringe the rights of any third party.

Trademarks

ConsumerCreditCounselling.net's, licensors' or other third party materials, services or products referenced on this site are common law or registered trade marks or service marks of such parties.

Third party sites

You may be transferred to on line merchants or other third party sites through links or frames from this site. You are cautioned to read such sites' Terms and Conditions and/or Privacy Policies before using such sites in order to be aware of the terms and conditions of your use of such sites. These sites may contain information or material that is illegal, unreasonable or that some people may find inappropriate or offensive. 

These other sites are not under the control of ConsumerCreditCounselling.net, are not monitored or reviewed by ConsumerCreditCounselling.net, and ConsumerCreditCounselling.net is not aware of the contents of such sites. You acknowledge that ConsumerCreditCounselling.net is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the contents or any transmissions received through such sites. The inclusion of such a link or frame does not imply endorsement of this site by ConsumerCreditCounselling.net, its advertisers or licensors, any association with its operators and is provided solely for your convenience. You agree that ConsumerCreditCounselling.net and its licensors have no liability whatsoever from such third party sites and your usage of them.

Disclaimer of warranties

ConsumerCreditCounselling.net, its advertisers and licensors make no representations or warranties about this site, the suitability of the information contained on or received through use of this site, or any services or products received through this site. All information and use of this site are provided "as is" without warranty of any kind. ConsumerCreditCounselling.net, advertisers and/or its licensors hereby disclaim all warranties with regard to this site, the information contained on or received through use of this site and any services or products received through this site, including all express, statutory, and implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. 

ConsumerCreditCounselling.net, advertisers and/or its licensors do not warrant that the contents or any information receive through this site are accurate, reliable or correct; that this site will be available at any particular time or location; that any defects or errors will be corrected; or that the contents or any information received through this site is free of viruses or other harmful components. 

Your use of this site is solely at your risk. User agrees that it has relied on no warranties, representations or statements other than in this agreement. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you but shall apply to the maximum extent permitted by law of your jurisdiction.

Limitation of liability

Under no circumstances shall ConsumerCreditCounselling.net, advertisers and/or its licensors be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from, or arise out of the use of, or inability to use, this site, the information contained on or received through use of this site, or any services or products received through this site. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if ConsumerCreditCounselling.net, advertisers and/or its licensors have been advised of the possibility of such damage. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, ConsumerCreditCounselling.net, advertisers and/or its respective licensors' liability in such jurisdictions shall be limited to the maximum extent permitted by law of your jurisdiction.

Indemnification

You agree to defend, indemnify, and hold harmless ConsumerCreditCounselling.net, its advertisers, licensors, subsidiaries and other affiliated companies, and their employees, contractors, officers, agents and directors from all liabilities, claims, and expenses, including attorney's fees, that arise from your use of this site, or any services, information or products from this site, or any violation of this Terms Of Use. 

ConsumerCreditCounselling.net reserves the right; at it own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate with ConsumerCreditCounselling.net in asserting any available defenses.

Legal compliance

ConsumerCreditCounselling.net may suspend or terminate this Terms Of Use or User's use immediately upon receipt of any notice which alleges that User has used this site for any purpose that violates any local, state, federal or law of other nations, including but not limited to the posting of information that may violate third party rights, that may defame a third party, that may be obscene or pornographic, that may harass or assault others, that may violate hacking or other criminal regulations, etc. Of its agents, officers, directors, contractors or employees. In such event, ConsumerCreditCounselling.net may disclose the User's identity and contact information, if requested by a government or law enforcement body or as a result of a subpoena or other legal action, and ConsumerCreditCounselling.net shall not be liable for damages or results thereof and User agrees not to bring any action or claim against ConsumerCreditCounselling.net for such disclosure.

Choice of law and forum

This site (excluding third party linked sites) is controlled by ConsumerCreditCounselling.net from its offices within the State of Ohio, U.S. of America. It can be accessed from all 50 states as well as from other countries around the world to the extent permitted by site. 

As each of these places has laws that may differ from Ohio, by accessing this site, both you and ConsumerCreditCounselling.net agree that the statues and laws of Ohio shall apply to any actions or claims arising out of or in relation to this Terms Of Use or your use of this site, without regard to conflicts of laws principles thereof. You and ConsumerCreditCounselling.net also agree and hereby submit to the filing of any claim only in the exclusive personal jurisdiction and venue of Ohio and any legal proceedings shall be conducted in English. 

ConsumerCreditCounselling.net makes no representation that materials on this site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. This Terms Of Use shall not be governed by the United Nations Convention on Contracts for the Sale of Goods.

Miscellaneous

These Terms of Use will apply to every access to ConsumerCreditCounselling.net. ConsumerCreditCounselling.net reserves the right to issue revisions to these Terms of Use by publishing a revised version of this document on this site: that version will then apply to all use by you following the date of publication. Each access of information from ConsumerCreditCounselling.net will be a separate, discrete transaction based on the then prevailing terms. These Terms of Use shall be governed by, construed and enforced in accordance with the laws of Ohio, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate ConsumerCreditCounselling.net and/or its affiliates' intellectual property rights, ConsumerCreditCounselling.net and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Ohio, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Cuyahoga County, State of Ohio. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Cuyahoga County, State of Ohio, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

If any provision of this agreement is void or unenforceable in whole or in part, the remaining provisions of this Terms Of Use shall not be affected thereby.

This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.