Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEB SITE, YOU AGREE TO THESE TERMS AND CONDITIONS.

Your access to and use of this Web site is subject to the following terms and conditions of use (Terms of Use) and all applicable laws. These Terms of Use apply exclusively to your access to, and use of, this Web site known as https://www.Creditsquad.com (Credit Squad Website) which is exclusively owned and operated by Credit Squad, LLC (Credit Squad) and do not alter in any way the terms or conditions of any other agreement you may have with Credit Squad for services or otherwise. These Terms of Use may be changed by Credit Squad at any time in its sole discretion by posting the changes made to these Terms of Use, as revised, on this Web site. Your use of this Web site following the posting of such changes to the revised Terms of Use shall constitute your acceptance of any such changes. If you do not agree to these Terms of Use, our Privacy Statement, Credit Squad Service Agreement, or any other policy governing your access to or use of our Web site you should immediately terminate your access to and use of the Web site. If you have any question regarding these terms or your access to or use of this Web site, please contact Customer Service at support@creditsquad.com.

PRIVACY

We respect the privacy of our customers and encourage you to read our Privacy Statement located at www.creditsquad.com/privacy-policy/ so that you may make an informed decision about using our Web site.

COPYRIGHT

Unless otherwise indicated, all Web site materials, including, without limitation, the Credit Squad logo, and all designs, text, graphics, other files, and the selection and arrangement thereof are the proprietary and copyrighted property of Credit Squad or its licensors. You may electronically copy and print to a hard copy portions of this Web site for the sole purpose of using materials it contains for informational and non-commercial, personal use only. Any other use of the materials in this Web site including any commercial use, reproduction for purposes other than described herein, modification, distribution, republication, display or performance without the prior written permission of Credit Squad is strictly prohibited.

ACCESS TO SERVICES

The Credit Squad Website allows you to create a unique user name and password to utilize many of our customized online services. Only individuals authorized by the you, who over the age of 18, may access and use our Online Services. You may not access the Online Services from outside the country for which it was issued. Your unique user name may be restricted from accessing certain Materials otherwise available in the Online Services. Materials and features may be added to or withdrawn from the Online Services or otherwise changed without notice and in our sole discretion.

TRADEMARKS

The Credit Squad, LLC logo, the Credit Squad Logo and any proprietary Service or service names contained in this Web site are either trademarks or registered trademarks of Credit Squad or its licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Credit Squad. In addition, all page headers, custom graphics, button icons and scripts are service marks, trademarks and/or trade dress of Credit Squad, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Credit Squad. All other trademarks, registered trademarks, Service names and company names or logos mentioned herein are the property of their respective owners.

UPLOADED CONTENT

You agree that the content you upload in your personal space belongs to you and is for your personal use. You certify that you own and are responsible for any of the contents uploaded in your personal area and that you are not uploading and storing items that would infringe U.S. Copyright laws. You understand that you may not upload, post, reproduce or distribute in any way material protected by copyright, trademark, trade secret or other proprietary rights or which would violate any right of publicity, right of privacy or other right of any third party without first obtaining permission of the owner of such right.

SUBMISSIONS

You agree that any materials, including but not limited to questions, comments, credit bureaus, credit reports, communications from credit reporting agencies, communications from credit bureaus, communications with credit reporting agencies, Communications with credit bureaus, communications with creditor(s), suggestions, ideas, plans, notes, drawings, original or creative materials or other information, provided by you in the form of e-mail or submissions to the Credit Squad Website, or postings on this Web site, are not confidential and that Credit Squad shall have a perpetual, worldwide, non-exclusive license to use such materials as it deems appropriate.

SERVICES DESCRIPTION

Credit Squad and its affiliates attempt to describe its Services as accurately as possible. However, Credit Squad does not warrant that Service descriptions or other content on this Web Site is accurate, complete, reliable, current, or error-free. If a Service offered by Credit Squad itself is not as described, your sole remedy is to cancel the service in the manner set forth in the Credit Squad Service Agreement. The prices displayed on the Web Site are in U.S. Dollars and are valid and effective only in the United States.

TERMS AND CONDITIONS OF THE USE OF THE CREDIT SQUAD CREDIT RESTORATION SERVICES:

All use and/or purchase of Credit Squad’s Credit Monitoring services are subject to Credit Squads Service Agreement. Users can cancel their accounts at anytime, subject to the terms and conditions contained in the Credit Squad’s Service Agreement, however, since we are not able to pro-rate, the account will remain active until the end of the paid monthly cycle. There are no pro-rated refunds. Once your account is cancelled your member access to the site will be revoked upon the expiration of the paid monthly cycle. You agree that fees collected are non-refundable. All cancellation shall also be strictly subject to the terms and conditions of the Credit Squad Service Agreement. In the event of a conflict between the terms and condition contained in this Terms of Use and the Credit Squad Services Agreement, the Credit Squad Services Agreement shall prevail and be deemed the governing document.

INAPPROPRIATE IMAGES OR WORDS

Credit Squad reserves the right to remove any text or images uploaded by you that it deems in its sole judgment to be inappropriate or which it believes may subject it to any liability, including without limitation the following:

images, text or other materials submitted by users that are protected by trademark, copyright, right of publicity or other proprietary right, without the express permission of the owner of those rights;

profanity or offensive comments including but not limited to expressions of racism, bigotry or hatred, or that are abusive, slanderous or offensive;

any illegal material such as expressions of abuse, offensive language and imagery, obscenity or any other material that could give rise to any civil or criminal liability under, or otherwise violate, any applicable law.

CLAIMS OF COPYRIGHT INFRINGEMENT; DESIGNATED AGENT

If you believe that any material on this Web site infringes upon any copyright that you own or control, or that any link on this Web site directs users to another Web site that contains material that infringes upon any copyright which you own or control, you may file a notification of such infringement to the email or address stated below.

ONLINE CONDUCT; REPEAT INFRINGER POLICY

You agree to use Credit Squad Website only for lawful purposes. You are prohibited from posting on or transmitting through Credit Squad Website any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically or otherwise objectionable material of any kind that infringes the intellectual property rights or is otherwise injurious to third parties, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law. Credit Squad may, at its discretion, terminate the accounts of any registered User who violate this policy.

Credit Squad respects the intellectual property of others, and we ask our Users to do the same. Credit Squad may, in appropriate circumstances and at its discretion, terminate the accounts of any User who infringe upon the intellectual property rights of others or who violate this policy.

CONTENT REVIEW

Credit Squad may elect to electronically monitor areas of this Website and may disclose any content, records or electronic communication of any kind to satisfy any law, regulation or government request, if such disclosure is necessary or appropriate to operate this Website, or to protect the rights or property of Credit Squad, its independent contractors, service providers, consultants, sponsors, licensors or the public. Credit Squad retains the right, but not the obligation, to monitor and edit or remove any activity or content that it deems in its sole discretion to be harmful to its users, Credit Squad or the rights of any third party, or to violate any applicable law.

USE BY CHILDREN

Credit Squad and the Credit Squad Website do not offer products and services for sale to children under 18. We sell products and services for purchase by adults only. By using this Web site, you are representing to us that you are 18 years of age or older. Credit Squad will not be liable for any damages that may result from misrepresentation of age by a user of our Web site.

INDEMNITY

You agree to defend, indemnify and hold harmless Credit Squad, its Managers, it employees, its independent contractors, service providers and consultants, and their respective directors, employees and agents, from and against any third party claim, damages, costs and expenses (including, but not limited to, reasonable attorneys fees) arising out of your use of the Credit Squad Web site or the use of any photographs, images or materials you provide, including without limitation any actual or threatened suit, demand, or claim made against Credit Squad and/or its independent contractors, service providers, or consultants, that use of the photographs, images or material provided infringes, misappropriates or otherwise violates any copyright, trademark, right of publicity or other proprietary right of any third party. You agree to pay any judgment or reasonable settlement offer resulting from any such suit, demand or claim.

DISCLAIMER

EXCEPT IF EXPLICITLY STATED IN WRITING OTHERWISE BY CREDIT SQUAD, THE PRODUCTS AND/OR MATERIALS AND/OR SERVICES CONTAINED AND SOLD ON THE CREDIT SQUAD WEB SITE ARE PROVIDED ON AN AS IS BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. CREDIT SQUAD AND THE CREDIT SQUAD WEBSITE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. CREDIT SQUAD WEBSITE DOES NOT REPRESENT OR WARRANT THAT ANY PRODUCTS AND/OR MATERIALS AND/OR SERVICES ON THE CREDIT SQUAD WEB SITE, INCLUDING WITHOUT LIMITATION ANY INFORMATION ABOUT CREDIT SQUAD AND THE CREDIT SQUAD WEBSITE PROVIDED BY THIRD PARTIES, ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. CREDIT SQUAD DOES NOT REPRESENT OR WARRANT THAT THE CREDIT SQUAD WEB SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Credit Squad reserves the right to change any and all content contained on the Credit Squad Web site at any time without notice. Reference to any products, services, materials, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by Credit Squad and/or the Credit Squad Website.

If you rely on the Credit Squad website and any materials available on it, you do so solely at your own risk.

LIMITATION OF LIABILITY

IN NO EVENT SHALL CREDIT SQUAD OR ITS OFFICER(S), MANAGER(S), DIRECTOR(S),MEMBER(S) OR EMPLOYEE(S) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR INABILITY TO USE THIS WEB SITE OR THE MATERIALS CONTAINED IN AND/OR SERVICES SOLD ON AND/OR PRODUCTS SOLD ON, OR ACCESSED THROUGH, THE CREDIT SQUAD WEB SITE, INCLUDING WITHOUT LIMITATION ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE BY USER ON ANY INFORMATION OBTAINED FROM CREDIT SQUAD, OR THAT RESULTS FROM MISTAKES, OMMISSIONS, INTERRUPTIONS, DELETION OF FILES OR E-MAILS, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, ACTS OF TERRORISM, THEFT, DESTRUCTION, OR UNAUTHORIZED ACESS TO THE CREDIT SQUAD RECORDS, PROGRAMS OR SERVICES.

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CREDIT SQUAD (WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY) ARISING OUT OF OR RELATING TO THE USE OF CREDIT SQUAD WEB SITE EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO CREDIT SQUAD AND/OR THE CREDIT SQUAD WEBSITE FOR ACCESS TO OR USE OR FOR SERVICES SOLD ON AND/OR PRODUCTS SOLD ON THE CREDIT SQUAD WEB SITE.

LINKING TO OUR WEB SITE

You are granted a limited non-exclusive right to create a hyperlink to the Credit Squad Web site provided such link does not portray Credit Squad or any of its materials or products or services in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time. You may not use, frame or utilize framing techniques to enclose any Credit Squad and/or Credit Squad trademark, logo or other proprietary information, including the images found on the Credit Squad Web site, the content of any text or the layout/design of any page or form contained on a page without Credit Squad`s express written consent. Furthermore, you may not use any meta tags or any other hidden text utilizing a Credit Squad and Credit Squad name, trademark or Service name without Credit Squad`s express written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel or otherwise in or under any patent, trademark, copyright or proprietary right of Credit Squad or any third party. Credit Squad makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of Web sites linking to the Credit Squad Web site.

THIRD PARTY LINKS

The Credit Squad Website may provide links to Web pages and content of third parties (Third Party Content) as a service to those interested in this information. Credit Squad does not monitor, nor does it have any control over, any Third Party Content. Credit Squad does not endorse or adopt any Third Party Content and can make no guarantee as to its accuracy or completeness. Credit Squad makes no representations or warranties of any kind regarding such Third Party Content, or any information contained therein, and undertakes no responsibility to update or review any Third Party Content. When leaving the Credit Squad Website, you should be aware that the Credit Squad Website`s terms and policies no longer govern, and, therefore, you should review the applicable terms and policies, including privacy and data gathering practices, of that site. Users use these links and Third Party Content contained therein at their own risk.

SEVERABILITY AND NONWAIVER

If any provision of these Terms of Use shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions. The failure of Credit Squad to insist upon or enforce strict performance of any of the provisions of these Terms of Use or to exercise any rights or remedies under these Terms of Use will not be construed as a waiver or relinquishment to any extent of Credit Squad right to assert or rely upon any such provisions, rights, or remedies in that or any other instance; rather, the same will be and remain in full force and effect.

APPLICABLE LAW

The internal laws of the State of New Jersey will govern and construe these Terms of Use without giving effect to any conflict of laws provisions to the contrary. By use of this Web site, you irrevocably consent to the jurisdiction of the courts of the State of New Jersey and agree that all disputes with Credit Squad venue shall be in the state or federal courts located in the State of New Jersey. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

TERMINATION

Notwithstanding anything to the contrary herein, Credit Squad reserves the right, without notice and in its sole discretion, to terminate your use of this Web site and to block or prevent future access to and use of this Web site.

MISCELLANEOUS

These General Terms and Conditions of Use may be changed from time to time without notice by Credit Squad in its sole discretion. Continued use of the Credit Squad’s Website`s Online Services following any change constitutes acceptance of the change.

Credit Squad may suspend or discontinue providing Online Services to you without notice and pursue any other remedy legally available to it if you fail to comply with any of your obligations hereunder.

Except as otherwise provided herein, all notices and other communications hereunder by Credit Squad shall be in writing or displayed electronically on the Credit Squad web site. Notices shall be deemed to have been properly given on the date deposited in the U.S. mails, if mailed; on the date Credit Squad transmitted it to you electronically to the email address you have provided us, if sent via electronic mail; on the date first made available, if displayed Credit Squad web site; or on the date received, if delivered in any other manner.

The failure of Credit Squad or any third party supplier of Materials to enforce any provision hereof shall not constitute or be construed as a waiver of such provision or of the right to enforce it at a later time.

Each third party supplier of Materials has the right to assert and enforce these provisions directly on its own behalf as a third party beneficiary.

COMMUNICATIONS TO YOU

You agree that Credit Squad may send electronic mail to you for the purpose of advising you of changes or additions to this Site, about any of Credit Squad Services or services, or for such other purpose(s) as Credit Squad deems appropriate.

With respect to the telephone number provided and any other telephone number associated or related to you that may be provided to us in the future — Credit Squad and its affiliated companies may contact you by phone, text, email, mail, or by artificial or pre-recorded voice, even if you have listed yourself on any Do-Not-Call List. You also agree to our Privacy Policy and Terms of Use , and further agree that any person or entity contacting you pursuant to your consent here may use an automatic telephone dialing system, even if the telephone number you provided above (or any telephone number associated with you) is connected to a mobile phone and even if you might be charged for the call. Your consent to receive automated calls or text messages is not required for any purchase or availability of goods/services from Credit Squad or its partners; if you do not consent, you may call us at (877) 637-2673 to continue your inquiry.

QUESTIONS AND CONTACT INFORMATION

General questions or comments about Credit Squad Web site may be directed to Credit Squad Website`s Customer Service Department at support@creditsquad.com

YOU UNDERSTAND THAT BY ACCEPTING THESE TERMS AND CONDITIONS YOU ARE PROVIDING “WRITTEN INSTRUCTIONS” TO CREDIT SQUAD LLC AND ITS EMPLOYEES, AGENTS, SUBSIDIARIES, AFFILIATES, CONTRACTORS, THIRD PARTY DATA AND SERVICE PROVIDERS, AND ALL OTHER CREDIT REPORTING AGENCIES UNDER THE FAIR CREDIT REPORTING ACT (FCRA), AS AMENDED, INCLUDING EXPERIAN, TRANSUNION, EQUIFAX AND AFFILIATED ENTITIES, TO ACCESS YOUR CREDIT FILES FROM EACH NATIONAL CREDIT REPORTING AGENCY AND TO EXCHANGE INFORMATION ABOUT YOU WITH EACH NATIONAL CREDIT REPORTING AGENCY IN ORDER TO VERIFY YOUR IDENTITY AND TO PROVIDE THE SERVICES TO YOU. YOU AGREE AND HEREBY AUTHORIZE CREDIT SQUAD LLC TO PROVIDE YOUR PERSONALLY IDENTIFIABLE INFORMATION (OR, IF APPLICABLE, INFORMATION ABOUT ANY MINOR CHILDREN YOU HAVE ENROLLED) TO THIRD PARTIES AS PROVIDED IN OUR PRIVACY POLICY, AS MAY BE AMENDED FROM TIME TO TIME, IN ORDER TO PROVIDE THE SERVICES TO YOU (AND TO THOSE CHILDREN YOU HAVE ENROLLED). YOU FURTHER AUTHORIZE CREDIT SQUAD LLC TO OBTAIN INFORMATION AND REPORTS ABOUT YOU (OR ABOUT ANY CHILDREN YOU HAVE ENROLLED, IF APPLICABLE) IN ORDER TO PROVIDE THE SERVICES, INCLUDING, BUT NOT LIMITED TO, CREDIT MONITORING SERVICES, CREDIT REPORTING, IDENTITY MONITORING, FRAUD RESOLUTION SERVICES, RESTORATION SERVICES, ADDRESS HISTORY REPORTS, NAME AND ALIAS REPORTS, CRIMINAL REPORTS OR SEX OFFENDER REPORTS, AND TO PROVIDE MONITORING AND ALERTS.