The Terms of Service revised on April 10, 2023.
TERMS OF SERVICE
PLEASE READ THESE TERMS OF SERVICE. BY USING creditmashup.com, YOU AGREE TO ABIDE BY THIS AGREEMENT.
1. Acceptance of and Modification to this Agreement.
Welcome! Creditmashup.com, Inc. (“creditmashup.com” or “us” or “we” or the “Site”) welcomes you to the website located at www.creditmashup.com and its related sub-domains. We provide credit-related information, products, services and other features through these web sites and any other medium or device now known or hereafter developed (which, along with the web sites, are referred to as the “Service”).
By using the Service, you agree to be bound by these terms and conditions (the “Agreement”). We reserve the right to modify this Agreement at any time. Any such modifications shall be effective upon posting on this website. You can view the most recent version of this Agreement at https://creditmashup.comcom/terms-of-service.html. To use the Services, you must be of legal age to enter into a binding contract and not be prohibited from using the Services by the laws of the jurisdiction from which you access the Services
2. Notice Regarding Information on the Site.
The contents of this Site are provided for informational and entertainment purposes only, and should not be construed as advice. While the information shared on this Site is believed to be accurate and reliable, the owners/operators of this website specifically disclaim all warranties, express, implied or statutory, regarding the accuracy, timeliness, and/or completeness of the information contained herein. Because the terms of third-party offers referenced on this website are subject to change without notice, visitors are encouraged to independently verify the terms of any such offers prior to participating in them. Because this website is intended to provide general information only, you should discuss your specific needs with a qualified professional. The Site and the content contained thereon are provided on an “as is” basis.
3. Modification to or Termination of Services.
You acknowledge and agree that we may modify or terminate the Services and any of its features at any time or terminate your access to them without notice to you. You acknowledge and agree that we shall not be liable to you or any third party as a result of any such modification or termination. You may discontinue use of the Service at any time without notice to us.
5. The Service.
The Service is designed to help you locate and provide information that may be of interest to you and to help you locate products, services, and suppliers that may be of interest to you. All intellectual property rights in the Service is retained by us. You acknowledge and agree that we are not responsible for any third party content and that you must evaluate any such third party content and bear all risks associated with any use of the content, including any reliance on the accuracy or completeness of the information.
6. Use of the Services.
You may use the Services for your individual personal use and you agree that you will not reproduce, duplicate, copy, sell, trade or otherwise exploit the Services for any commercial purpose. You agree to access the Service through the interface provided by this website and that you will not use a robot or any other process to monitor or copy the Services.
7. Personal Use Only.
We are making the Service available to you for your information and personal use only. You may not (and you agree not to) use, copy, distribute, transmit, broadcast, sell, or do anything else with the Service for any other purpose.
8. User Content.
You are solely responsible for any User Content you post to the Service, and the consequences of posting or publishing it. By “User Content”, we mean any Content you post to the Service. “Content” means information, data, text, software, music, sound, photos, graphics, videos, messages, tags, interactive features, or any other materials. When we say “post”, we include posting, uploading, sharing, submitting or otherwise providing User Content in any manner in connection with the Service.
9. Restrictions on User Content and Your Conduct.
You may not:
- use our Service for any illegal purpose;
- submit User Content that you don't have the right to submit, unless you have the owner's permission; this includes material covered by someone else's copyright, patent, trade secret, privacy, publicity, or any other proprietary right;
- forge headers or manipulate other identifiers in order to disguise the origin of any User Content you submit;
- submit any User Content that contains lies, falsehoods or misrepresentations that could damage us or anyone else;
- submit User Content that is illegal, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate;
- transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;
- impersonate anyone else or lie about your affiliation with another person or entity;
- use meta tags or any other “hidden text” utilizing any of our or our suppliers' product names or trademarks;
- upload, launch, post, email or transmit any material (including any bot, worm, scripting exploit or computer virus) that is likely to harm or corrupt our Service, or harm or corrupt our or anyone else's computer systems, or data;
- use our Service to harm minors in any way, including posting User Content that violates child pornography laws, child sexual exploitation laws, or any other laws protecting children;
- collect or gather other people's personal information (including account information) from our Service;
- submit User Content which disparages us or our partners, vendor or affiliates; or
- solicit, for commercial purposes, any users of our Service.
We have the sole right to delete at any time any User Content that violates these rules or that we believe to be inappropriate for any reason.
10. Limitations on Availability of Services and Products.
Information and materials published by creditmashup.com as part of this Site are published in the United States and are intended for persons in the United States. Not all products and services are available in all geographic areas. Eligibility for certain products is subject to final determination and acceptance by creditmashup.com or its affiliates. The information, descriptions, and terms and conditions contained in these pages are subject to change. Calculators or planning tools are provided for informational purposes only and are not intended to provide specific legal, accounting, financial or tax advice for any person and should not be relied upon in that manner. If other web pages, products and organizations are referenced herein or links are provided to other Internet resources, they are included for informational purposes only and inclusion does not constitute an endorsement or a warranty of any kind.
11. No Warranty.
THE INFORMATION AND MATERIALS IN THIS SITE, INCLUDING AFFILIATE LINKS, TEXT, GRAPHICS, LINKS OR OTHER ITEMS, ARE PROVIDED “AS IS” AND “AS AVAILABLE.” creditmashup.com DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS, AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.
USE OF THE SERVICE IS AT YOUR OWN RISK. THE SERVICE IS PROVIDED ON A “AS IS” AND “AS AVAILABLE” BASIS. creditmashup.com AND ITS AFFILIATES, SUPPLIERS AND PARTNERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
creditmashup.com AND ITS AFFILIATES, SUPPLIERS AND PARTNERS MAKE NO WARRANTY THAT (i) THE SERVICE OR ANY PRODUCTS PURCHASED OR OBTAINED THROUGH THE SERVICE WILL MEET YOUR REQUIREMENTS; (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; OR (iii) THAT THERE WILL BE NO ERRORS IN THE SERVICE OR THAT creditmashup.com WILL FIX ANY ERRORS. ANY MATERIALS OBTAINED THROUGH USE OF THE SERVICE ARE OBTAINED AT YOUR OWN DISCRETION AND RISK AND creditmashup.com SHALL NOT BE RESPONSIBLE FOR ANY DAMAGE CAUSED TO YOUR COMPUTER OR DATA OR FOR ANY BUGS, VIRUSES, TROJAN HORSES OR OTHER DESTRUCTIVE CODE RESULTING FROM USE OF THE SERVICE OR ANY CONTENT OBTAINED FROM THE SERVICE.
ALTHOUGH creditmashup.com STRIVES TO PROVIDE INFORMATION THAT CONSUMERS MAY FIND HELPFUL, THIS INFORMATION SHOULD NOT BE CONSIDERED CREDIT OR LEGAL ADVICE. YOU SHOULD NOT USE THE GENERAL INFORMATION PROVIDED BY THE SERVICE AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT PROFESSIONAL.
12. Limitation of Liability.
IN NO EVENT SHALL WE, OR OUR DIRECTORS, OFFICERS, PARTNERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS, THIRD PARTY LICENSORS, AFFILIATES, SUCCESSORS OR ASSIGNS (”THE creditmashup.com PARTIES”) BE LIABLE TO YOU FOR YOUR ACCESSING OF THIS SITE OR UNDER OR RELATED TO THIS AGREEMENT FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, RELIANCE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF EXPECTED SAVINGS, OR ANY OTHER NON-DIRECT DAMAGES HOWSOEVER CAUSED WHETHER OR NOT WE OR ANY OF THE creditmashup.com PARTIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND THEIR COLLECTIVE MAXIMUM LIABILITY TO YOU UNDER OR RELATED TO THIS AGREEMENT SHALL IN NO EVENT EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE SERVICES, IF ANY. THE LIMITATIONS OF LIABILITY AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER TORT AND SHALL SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR THE FAILURE OF THE ESSENTIAL PURPOSE OF CONTRACT OR THE FAILURE OF AN EXCLUSIVE REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE creditmashup.com PARTIES LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
Hyperlinks to other Internet resources are at your own risk; the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by creditmashup.com.
ALL CONTENT AND SERVICES PROVIDED ON OR THROUGH THIS SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON INFRINGEMENT. NEITHER WE, OUR AFFILIATES AND RELATED ENTITIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE CONTENT IS 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 CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THOSE EXCLUSIONS MAY NOT APPLY TO YOU.
You agree to indemnify, defend and hold harmless creditmashup.com and its affiliates, suppliers, partners, officers, agents, and employees from and against any claim, demand, losses, damages or expenses (including reasonable attorney's fees) arising from any User Content, your use of the Service, your connection to the Service, your violation of these Terms of Service or your violation of any rights of any third-party. Your indemnification obligation will survive the termination of these Terms of Service and your use of the Service.
15. Intellectual Property Rights in User Content.
16. Questions and Answers.
When you submit a question, make a comment or use creditmashup.com, you agree to the following:
- If you submit a question, comment, story or image to creditmashup.com and/or Lisa Phillips, you agree it can be used on the website or in any other future publication without any compensation from creditmashup.com or Lisa Phillips.
- You agree to use any and all advice found at creditmashup.com at your own risk.
17. User Content You Share Becomes Public.
In addition, we may be required to disclose your User Content to third parties if we have a good faith belief that access, use, preservation or disclosure of such User Content is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce these Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of creditmashup.com, its users or the public as required or permitted by law.
18. We Are Not Responsible for User Content.
We generally do not review any of the User Content posted by our users. We do not endorse any User Content or support any views, opinions, recommendations, or advice that may be in user submissions. User Content comes from a variety of sources, and we make no promises about the reliability of any source or the accuracy, usefulness, safety, or intellectual property rights of any user submission. You may be offended by User Content that you see on the Service. You may find some of it to be inaccurate, offensive, indecent, or objectionable. YOU AGREE NOT TO HOLD US RESPONSIBLE IN ANY WAY FOR YOUR USE OF OUR SERVICE, INCLUDING YOUR EXPOSURE TO USER CONTENT.
19. Proprietary Rights.
creditmashup.com and its suppliers retain all right, title and interest (including all copyright, trade secret, patent and other rights) in and to the Service and Content which is included in the Service (other than User Content). If you give feedback on the Service, for example recommendations for improvements or features, implementation of that feedback is owned by us and may become part of the Service without compensation to you. We reserve all rights in and to the Service unless we expressly state otherwise. The Service contains proprietary and confidential information that is protected by applicable intellectual property and other laws.
You may not decompile, reverse engineer, disassemble, or otherwise reduce the Service to a human-perceivable form, except and only to the extent that such activity is expressly permitted by applicable law, and in that case, only if you notify us in writing in advance. You may not copy, frameset, enclose or otherwise distribute any part of the Service.
All brand, product and service names used in the Service which identify creditmashup.com or our suppliers and our or their proprietary products and services are the trademarks or service marks of creditmashup.com or our suppliers. Nothing in this Service shall be deemed to confer on any person any license or right on the part of creditmashup.com or such supplier with respect to any such image, logo or name.
You agree not to disable, interfere, or try to get around any of the features of the Service related to security, preventing or restricting use or copying of any Content, or enforcing the limits on the use of the Service or the Content on the Service.
20. Enforcement of Copyrights.
We respect the intellectual property rights of others. You may not use our Service to infringe anyone else's copyright or other intellectual property right. If we find out that you are infringing, we may remove your User Content. We do not have to give you notice that we are removing your User Content. We may also terminate your account if we decide that you are a repeat infringer. We consider a repeat infringer to be a user who has been notified of infringing activity more than twice or who has had User Content removed from our Service more than twice.
21. Linking Policy to the creditmashup.com Service.
You are granted a limited, non-exclusive right, which we may revoke at any time, to create a hypertext link to the web site found at www.creditmashup.com. If you exercise this limited, non-exclusive right, however, you must agree to the following:
- You will not portray creditmashup.com, its affiliates or their respective products and services in a false, misleading, offensive, derogatory, or otherwise defamatory manner.
- You will not misrepresent your relationship with creditmashup.com or imply that creditmashup.com sponsors, endorses, or is affiliated with any web site or products.
- You will not replicate, modify, or alter the appearance or content of the Service.
- You will not use, frame, or utilize framing techniques to enclose creditmashup.com trademark, logo, or other proprietary information, the images found in the Service, the content of any text, or the layout and design of any page or form contained on a page on the creditmashup.com web site without the express prior written consent of creditmashup.com.
Furthermore, a site that links to the Service:
- Must not contain content that could be construed as obscene, libelous, defamatory, pornographic, or inappropriate for all ages;
- Must not contain materials that would violate any laws.
If you exercise this limited, non-exclusive right to create a hypertext link to the Service, you agree that the link may be removed at any time, immediately upon creditmashup.com's request.
22. Links to Other Sites.
creditmashup.com has no control over the third-party affiliates or partners’ obligations to you, and makes no representations or warranties with respect to the third-party affiliates or partner’s products, services or performance. It is your responsibility to take precautions to ensure that third-party affiliates or partner’s web sites are free of viruses or other items of a destructive nature.
YOU AGREE THAT creditmashup.com WILL NOT BE RESPONSIBLE OR LIABLE FOR LOSS OR DAMAGE YOU MAY INCUR AS THE RESULT OF A TRANSACTION YOU ENTER INTO WITH A THIRD-PARTY AFFILIATE OR PARTNERS, ANY INFORMATION YOU PROVIDE TO A THIRD-PARTY AFFILIATE OR PARTNERS, A THIRD-PARTY AFFILIATE OR PARTNER'S COMPLAINCE WITH LAW, OR A THIRD-PARTY AFFILIATE OR PARTNER'S MISUSE OF YOUR INFORMATION.
23. Legal Notice.
creditmashup.com is not intended to offer any legal advice. The information and tips on this website are tactics and methods to improve your credit rating through the removal of erroneous, outdated and inaccurate information contained in most credit reports.
creditmashup.com offers “do-it-yourself” educational materials to legally repair your credit through the use of consumer laws and regulations to protect you.
creditmashup.com is not a credit repair company nor does it offer credit repair services. The information contained in this website is applicable on in the United States. If you are seeking a credit repair firm, our affiliate, Lexington Law offers credit repair services.