TERMS OF SERVICE

Verification Terms of Service

I. Binder
These Terms and Conditions are a binding legal agreement between you and us and govern your access to the Site and your purchase and use of the Services. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
III. The Provided Services
The Services consist of the products and services described on the Site, and include but are not limited to all products and services provided as a one-time transaction (“Transactional Services”). You acknowledge and agree that the Company obtains the Materials from the Providers. The Materials are intended to furnish you with information that you may not otherwise have readily available to you, but should not be relied upon for important personal and financial decisions. You should consult your own professional adviser for specific advice tailored to your personal situation. YOU AGREE THAT THE COMPANY AND THE PROVIDERS HAVE NO LIABILITY FOR ANY INFORMATION (ACCURATE OR INACCURATE, COMPLETE OR INCOMPLETE) IN THE MATERIALS OR ANY REPORTS PROVIDED TO YOU AS PART OF THE SERVICES. Services are available to consumers in all 50 states.
IV. In Order to Use the Site and/or the Services, You Must Provide the Following Information:
• You must provide valid debit or credit card payment information at the time of purchase of Transactional Services. We will verify your debit or credit card information before processing your order, including performing an authorization in an amount up to the stated fee associated with the purchase of Transactional Services. The authorization amount may count against your debit or credit limit.
• You may or may not be required to provide your social security number and other personal information, such as previous addresses, employment, driver’s license, passport, official non-driver ID and other names, so that your information can be verified in order to use some Services.
• You must provide true, accurate, and complete information about yourself as prompted by the applicable form(s) for the Services to promptly update your information if and when it changes. If you provide any information that is untrue, inaccurate, or incomplete, or we have reason to believe that such information is untrue, inaccurate, or incomplete, we reserve the right to terminate or void your transaction.
V. Your Authorization to Charge Your Credit or Debit Card
BY SUBMITTING YOUR ORDER, YOU AUTHORIZE US TO CHARGE YOUR CREDIT CARD OR DEBIT YOUR BANK ACCOUNT THE STATED TRANSACTION AMOUNT.
VI. Purchases of Transactional Services are Final
Transactional Services typically involve an order process associated with your request to purchase and receive a specific product and/or service, including but not limited to a verification of your personal information provided. We will not issue a refund to you for any Transactional Services once verification has been completed and successful. If not or if you change your mind before we complete verification, then we will refund the amount paid for Transactional Services.
VII. Termination of Your Service
We reserve the right to terminate access to the Services at any time without notice, for any reason, including but not limited to (i) breach of these Terms and Conditions by you or anyone using your account, (ii) nonpayment for the Services (iii) conduct what we believe is harmful to the Services users, the business of the Company, or the Company’s affiliates, (iv) those reasons otherwise described in these Terms and Conditions, or (v) any other circumstances that we determine, in our sole discretion, merit termination. Any such termination may be with or without any refund to you.
You agree that we will not be liable to you or to any third party for any termination of your access to the Services.
VIII. Price/Terms Changes/Discontinuance of Service
If you purchase Transactional Services, you agree to pay the price in effect at the time of such purchase. All prices are exclusive of any taxes, except as required by applicable law. We reserve the right to change prices or to institute new charges for the Services, or any portion thereof, at any time. Price changes and new charges will apply to all new Services users from such effective date forward. We reserve the right at any time to modify, suspend, or discontinue the Site and the Services, or any part, version, or feature thereof, in our sole discretion without prior notice to you. We will use reasonable efforts to notify you of any such material modifications to or suspensions or discontinuations of the Site or the Services, including by posting a notice on the applicable Site. We may also, but are not required to, provide you notice by sending an email message to the current email address listed for your account. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Site or the Services, or for any failure to notify you of same. Your continued use of the Services or of the Site, after any such changes, modifications, or charges have been made to the Site and/or Services, will constitute your acceptance of those changes, modifications, and charges.
IX. This is Not a Credit Repair Organization or Contract
Neither we nor the Providers are credit repair organizations, and neither we nor the Providers are offering to sell, provide, or perform any service to you for the express or implied purpose of either improving your credit record, credit history, or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history, or credit rating. Accurate adverse information in your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant Repository, and follow the appropriate procedures for notifying the Repository that you believe your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various Repositories related to the removal of inaccurate, non-fraudulent information is available for free.

General Terms of Use of This Website

PLEASE READ THESE WEBSITE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE (THE “WEBSITE”). THESE WEBSITE TERMS OF SERVICE (THE “TERMS OF SERVICE”) GOVERN YOUR ACCESS TO AND USE OF THE WEBSITE. THE WEBSITE IS AVAILABLE FOR YOUR USE ONLY ON THE CONDITION THAT YOU AGREE TO THE TERMS OF SERVICE SET FORTH BELOW. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF SERVICE, DO NOT ACCESS OR USE THE WEBSITE. BY ACCESSING OR USING THE WEBSITE, YOU AND THE ENTITY YOU ARE AUTHORIZED TO REPRESENT (“YOU” OR “YOUR”) SIGNIFY YOUR AGREEMENT TO BE BOUND BY THE TERMS OF SERVICE.

1. User Eligibility

The Website is provided by CompetitiveCredit.com and available only to entities and persons over the age of legal majority who can form legally binding agreement(s) under applicable law. If You do not qualify, you are not permitted to use the Website.

2. Scope of Terms of Use

These Terms of Service govern Your use of the Website and all applications, software, and services (collectively, “Services”) available on the Website, except to the extent such Services are the subject of a separate agreement. Specific terms or agreements may apply to the use of certain Services and other items provided to You on the Website (“Service Agreement(s)”). Any such Service Agreements accompany the applicable Services or are listed in association with or through a hyperlink associated with the applicable Services. When you submit an inquiry, it is possible that a lender may pull your credit but only if you first give them permission.

3. Use License

Any and all intellectual property rights (“Intellectual Property”) associated with the Website and its contents (the “Content”) are the sole property of CompetitiveCredit.com, its affiliates or third parties. The Content is protected by copyright and other laws in both the United States and other countries. Elements of the Website are also protected by trade dress, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Website are trademarks, service marks or trade dress (“Marks”) of CompetitiveCredit.com, its affiliates or other entities that have granted CompetitiveCredit.com the right and license to use such Marks and may not be used or interfered with in any manner without the express written consent of CompetitiveCredit.com. Except as otherwise expressly authorized by these Terms of Service, you may not copy, reproduce, modify, lease, loan, sell, create derivative works from, upload, transmit, or distribute the Intellectual Property of the Website in any way without CompetitiveCredit.com’s or the appropriate third party’s prior written permission. Except as expressly provided herein, CompetitiveCredit.com does not grant to you any express or implied rights to CompetitiveCredit.com’s or any third party’s Intellectual Property.

CompetitiveCredit.com grants you a limited, personal, non-transferable, non-sublicensable, revocable license to (a) access and use only the Website, Content and Services only in the manner presented by CompetitiveCredit.com, and (b) access and use the CompetitiveCredit.com computer and network services offered within the Website only in the manner expressly permitted by CompetitiveCredit.com. Except for this limited license, CompetitiveCredit.com does not convey any interest in information or data available via the CompetitiveCredit.com website, Content, Services, Website or any other CompetitiveCredit.com property by permitting you to access the Website. Except to the extent required by law or as expressly provided herein, none of the Content and/or Information may be reverse-engineered, modified, reproduced, republished, translated into any language or computer language, re-transmitted in any form or by any means, resold or redistributed without the prior written consent of CompetitiveCredit.com. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way, unless expressly permitted to do so by CompetitiveCredit.com.

4. Obtaining a Password; Use of Your Password

Certain areas of our Website may be accessible only to users that have a username and password. If you obtain a username and password, please keep in mind that we will treat anyone who uses your complete login credentials as “you.” We will provide this user with all of the rights and privileges that we provide to you, and we will hold you responsible for user activities associated with your username and password. We therefore recommend that you maintain your username and login credentials in confidence, and that you refrain from disclosing this information to anyone who might “pretend” to be you with respect to your use of our Website. We also recommend require that you notify us immediately if you suspect that someone is using your username and password in this manner.

5. Code of Conduct

By using our Website, you agree to comply with these Terms of Service, and to follow our Code of Conduct, which is set out below. Under this Code, you shall not:

Use the Website in a manner that could disable, overburden or impair the Website or interfere with any other parties’ use and enjoyment of the Website.
Seek to obtain access to or acquire material or information that we have not intentionally made available to you on the Website through “hacking,” “scraping,” or other means.
Submit material that is intentionally false, defamatory, threatening or harassing, or otherwise unlawful.
Transmit material through the Website that you know or should know contains viruses, Trojan horses, worms, time bombs, cancelbots, or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.
By using our Website and our services, you represent that you have taken appropriate steps to secure your computing device, including, but not limited to, using an updated operating system, using anti-virus software, and conducting periodic scans for malware, viruses, or other harmful material.

6. Monitoring; Revocation or Suspension of Use Privileges

We reserve the right at any time to (i) monitor your use of the Website, and (ii) terminate or suspend your use of some or all of the Site or Services if you engage in activities that we conclude, in our discretion, breach our Code of Conduct or otherwise violate these Terms or our Privacy Policy. Although we have no – and assume no – obligation to monitor activities on the Website, please understand that we may employ filters designed to detect and block inappropriate content described in our Code of Conduct. We reserve the right to request edits to your submission, to refuse to post or to remove any information or materials, in whole or in part, that we believe, in our sole discretion, is incompatible with our Code of Conduct

You should also understand that our Code of Conduct is based in many instances on principles of applicable law. Violations of our Code of Conduct accordingly may expose you to criminal charges, and civil liability to harmed parties for compensatory damages and attorney’s fees. We reserve the right at all times to disclose information it deems necessary to satisfy any applicable law, regulation, legal process or governmental request, consistent with our Privacy Policy.

7. Disclaimer

CompetitiveCredit.com MAKES NO REPRESENTATIONS ABOUT THE RESULTS TO BE OBTAINED FROM USING THE WEBSITE, THE SERVICES, THE INFORMATION OR THE CONTENT. THE USE OF SAME IS AT YOUR OWN RISK.

THE WEBSITE, THE INFORMATION, THE SERVICES AND THE CONTENT ARE PROVIDED ON AN “AS IS” BASIS. CompetitiveCredit.com, ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE. CompetitiveCredit.com AND ITS AFFILIATES, LICENSORS AND SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, SECURITY OR TIMELINESS OF THE CONTENT, INFORMATION OR SERVICES PROVIDED ON OR THROUGH THE USE OF THE WEBSITE. NO INFORMATION OBTAINED BY YOU FROM THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED BY CompetitiveCredit.com IN THESE TERMS OF SERVICE.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTY, SO THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION MAY NOT APPLY TO YOU. IF YOU ARE DEALING AS A CONSUMER, YOUR STATUTORY RIGHTS THAT CANNOT BE WAIVED, IF ANY, ARE NOT AFFECTED BY THESE PROVISIONS. YOU AGREE AND ACKNOWLEDGE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND WARRANTY PROVIDED IN THESE TERMS OF SERVICE ARE FAIR AND REASONABLE.

8. Limitation of Liability

In no event shall CompetitiveCredit.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on CompetitiveCredit.com’s Internet site, even if CompetitiveCredit.com or a CompetitiveCredit.com authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

9. Indemnity

You agree to defend, indemnify, and hold CompetitiveCredit.com harmless from any liability to third parties, including reasonable attorneys’ fees, arising from or related to: (i) your use of the Website, Content and Services; (ii) your breach of any obligation under these Terms of Service or the Privacy Policy; and (iii) any claims brought against us by third parties resulting from your actions or inactions.

10. Revisions and Errata

The materials appearing on CompetitiveCredit.com’s web site could include technical, typographical, or photographic errors. CompetitiveCredit.com does not warrant that any of the materials on its web site are accurate, complete, or current. CompetitiveCredit.com may make changes to the materials contained on its web site at any time without notice. CompetitiveCredit.com does not, however, make any commitment to update the materials.

11. Links

The Website may contain links to third-party Websites and resources (collectively, “Linked Sites”). These Linked Sites are provided solely as a convenience to You and not as an endorsement by CompetitiveCredit.com of the content on such Linked Sites. CompetitiveCredit.com makes no representations or warranties regarding the correctness, accuracy, performance or quality of any content, software, service or application found at any Linked Site. CompetitiveCredit.com is not responsible for the availability of the Linked Sites or the content or activities of such sites. If You decide to access or interact with Linked Sites, you do so at Your own risk. In addition, Your use of or interaction with Linked Sites is subject to any applicable policies and terms and conditions of use, including but not limited to, the Linked Site’s privacy policy.

12. Site Terms of Service Modifications

CompetitiveCredit.com may revise and update these Terms of Service at any time. Your continued usage of the Website after any changes to these Terms of Service will constitute Your acceptance of those changes. Any aspect of the Website may be changed, supplemented, deleted or updated without notice at the sole discretion of CompetitiveCredit.com. CompetitiveCredit.com may also change or impose fees for products and services provided through the Website at any time in its sole discretion. CompetitiveCredit.com may establish or change, at any time, general practices and limits concerning other CompetitiveCredit.com products and services in its sole discretion.

13. Governing Law and Jurisdiction

Any claim relating to CompetitiveCredit.com’s web site shall be governed by the laws of the State of Wyoming without regard to its conflict of law provisions.

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU HEREBY EXPRESSLY AGREE THAT ANY PROCEEDING ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE, INFORMATION, SERVICES AND CONTENT SHALL BE INSTITUTED IN A STATE OR FEDERAL COURT SITTING IN THE CITY of Cheyenne, Wyoming, UNITED STATES OF AMERICA AND YOU EXPRESSLY WAIVE ANY OBJECTION THAT YOU MAY HAVE NOW OR HEREAFTER TO THE LAYING OF THE VENUE OR TO THE JURISDICTION OF ANY SUCH PROCEEDING. YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, INFORMATION, SERVICES AND/OR CONTENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE.

14. Privacy Policy

The CompetitiveCredit.com Privacy Policy governs the use of information collected from or provided by you on the Website. With respect to any individual whose Personal Information is provided by you to CompetitiveCredit.com, You represent to CompetitiveCredit.com that you have obtained all necessary consents for the processing of such Personal Information contemplated by the Services You are using and by the CompetitiveCredit.com Privacy Policy, including the transfer of such data to the United States or other countries whose laws may not provide the same level of protection for the personal data as the laws of the country of origin of such individual.

15. Assignment and No Third Party Beneficiary

Your rights under these Terms of Service are yours alone and do not create any third-party beneficiary interest in another party. Furthermore, these Terms of Service shall not be assignable by you, either in whole or in part. We reserve the right to assign the rights and obligations under these Terms of Service for any reason and in our sole discretion.

16. Important Disclosures: This website does not constitute an offer or solicitation to lend. The operator of this website is NOT A LENDER, does not make loan or credit decisions, and does not broker loans. The operator of this website is not an agent or representative of any lender. We are a lead generator. This website’s aim is to provide lenders with information about prospective consumer borrowers. We are compensated by lenders for this service.

Information about loans: Not all lenders can provide loan amounts up to $2,500. The maximum amount you may borrow from any lender is determined by the lender based on its own policies, which can vary, and on your creditworthiness. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan.

Every lender has its own terms and conditions and renewal policy, which may differ from lender to lender. You should review your lender’s terms and renewal policy before signing the loan agreement. Late payments of loans may result in additional fees or collection activities, or both.

By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal.

17. Complete Agreement

EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE LICENSE, SERVICE OR OTHER WRITTEN AGREEMENT BETWEEN YOU AND CompetitiveCredit.com, THESE TERMS OF SERVICE CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND CompetitiveCredit.com WITH RESPECT TO THE USE OF THE WEBSITE, AND ANY SOFTWARE OR SERVICE, INFORMATION AND CONTENT CONTAINED THEREIN, AND SUPERSEDE ALL DISCUSSIONS, COMMUNICATIONS, CONVERSATIONS AND AGREEMENTS CONCERNING THE SUBJECT MATTER HEREOF.

18. Customer Service

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of Personal Information is protected and maintained.

If you have any questions or concerns please contact us at support@CompetitiveCredit.com.