The information on websites (“Website” or “Websites”) is intended as a convenience to provide you with information. The copying, framing, mirroring, scraping or data-mining of our Websites or any of its contents in any form or by any method is strictly prohibited. Access to our Websites does not grant you any right, license or privilege to reproduce, publish or use any material from the Websites or any property of except as expressly set forth herein. Any ideas, concepts, techniques, procedures, methods, systems, designs, plans, charts or other materials you transmit to us through e-mail, phone, or our Websites will become our property and may be used by us at any time and for any purpose, without restriction, unless otherwise agreed by

By using our Websites, you agree not to restrict or inhibit anyone from using or enjoying our Websites. In your use of our Websites, you shall not knowingly nor negligently transmit any viruses, malware, trojan horses, worms, time bombs, cancelbots or other similar harmful or deleterious programming routines.


Modifications reserves the right to modify these Services Terms and our Services at any time for any reason. If this Service Agreement or our Services are modified, and you are affected, then we will make a reasonable effort to notify you by posting the changes to the site. However, you understand and acknowledge that we have no responsibility to provide direct notice of any changes to these Service Terms or the Services you purchase. If you disagree with a change, your only option will be to cancel your Services.

Services Not Offered

You acknowledge that does not provide; credit counseling, debt management, legal advice, tax advice, financial advice, credit repair or credit advice. is not a lender or insurance company.


You acknowledge that we may use your personal information in accordance with our Privacy Policy found on our Websites. You further agree that the Privacy Policy is considered a part of these Service Terms.

Your Protection & Conduct

Third Party Offers & Services

You acknowledge that certain services that may be offered on our site, such as but not limited to checking accounts reports, may be provided by third parties. Additionally, you may be offered products, services or special offers through communications from third parties. These offers are intended to provide you with potentially discounted products or services that may compliment the information at

You agree and understand that these services are not provided by and that we are not responsible for the content, offers, products or services that may be offered to you. When you click a link to any third-party websites from our Member Site you acknowledge that you are leaving the In all cases, the link should open in a new internet browser window. Purchasing services or products is an independent decision to you at your own risk. If you click a link or visit a website associated with these third-party offers or services, you acknowledge and agree that the control and security of the third-party website is not managed or influenced by and is not the responsibility of us. Should you decide to purchase products or enroll is such third-party services you further agree that is not responsible in any way to the delivery, cost or management of the services or products. Samples include but not limited to the security of third party website, level of support you receive, quality of the service or product, your satisfaction, refunds or cost of the service or product.


You may contact by sending an email to [email protected]


Proprietary Rights

You acknowledge and agree that; (a) all content associated in any way to our Services and product such as but not limited to our Websites, Services, logo, customer support, education material, communications and processes (“ Content”) are the copyrighted work of or its third-party content suppliers and is protected by copyright laws, (b) brand logos, all page headers, customer graphics and button icons are service marks, trademarks and/or trade dress of (collectively, the “ Marks”), and (c) all other trademarks, product names, company names or logos on the Websites are the property of their respective owners and you have no right to use nor copy such property. In addition to agreeing to comply with all applicable laws in connection with your use of our Websites, you agree you will not use any such Content or Marks from this Website for any purpose without the appropriate prior written authorization from

Disclaimer and Limitation of Liability

You expressly understand and agree that your use of our Websites, the Services and Content is at your sole risk. All Services, Content, tools and calculators are provided on an “as is” or “as available” basis. and its respective suppliers expressly disclaim all warranties, guaranties and conditions of any kind whether express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title or noninfringement. The information contained in our Websites does not constitute legal, tax, accounting or other professional advice. and its respective suppliers make no warranty that; (a) the services and content are accurate, timely, uninterrupted or error-free; and (b) the results that may be obtained from the use of the Services or Content will be reliable.

You understand and agree that and its respective suppliers will not be liable for any reason for any direct, indirect, incidental, special, consequential or exemplary damages resulting from or in any way connected to your access to, use, or inability to use the Websites, Services, membership benefits or Content, or from your access to, use, inability to use, or reliance upon any linked website, even if or its respective suppliers have been advised of the possibility of those damages. Some jurisdictions either do not allow or place restrictions upon the exclusion or limitation of damages in certain types of agreements, and in these jurisdictions, the aforementioned limitation on liability shall be to the maximum degree permitted by applicable law. If, notwithstanding the above, liability is imposed upon, then you agree that any such liability, regardless of the nature of the legal or equitable claim, shall not exceed the amount paid by you to for the Service(s) you purchase from


By agreeing to these Service Terms, you indemnify and hold, its officers, directors, employees, contractors, agents, subsidiaries, joint ventures, licensees, marketing partners and other third-party affiliates harmless from any claim or demand including reasonable attorney fees made by any third-party due to our arising from your break of these Service Terms or your violation of any law or regulation or the rights of any third-party.

Export Control controls and operates our Services and Websites from our headquarters in the United States of America. The Websites, Content and Services are not intended for sale and may not be appropriate or available for use outside of the United States or its territories. If you use the Website, Content or Services outside of the United States of America you represent and warrant; (a) you are responsible for following applicable local laws, (b) you are not located in a country that is subject to a U.S. Government embargo or has been designated a “terrorist supporting” country, (c) you are not listed on any United States Government list of prohibited or restricted persons, (d) that you are fully responsible for any local taxes or United States tariff taxes that may apply to you.

Binding Arbitration believes that any concern or disagreement you have can be resolved by calling our customer service department during regular business hours. If your concern is not addressed, then you understand and agree that all claims, disputes or controversies between you and, including, but not limited to tort and contract claims, claims based upon any federal, state or local statute, law, order, ordinance or regulation, and the issue of arbitrability, shall be resolved by final and binding arbitration at a location determined by the arbitrator. Any controversy concerning whether a dispute is arbitrable shall be determined by the arbitrator and not by the court. Judgment upon any award rendered by the arbitrator may be entered by any state or federal court having jurisdiction thereof. This arbitration contract is made pursuant to a transaction in interstate commerce and its interpretation, application, enforcement and proceedings hereunder shall be governed by the federal arbitration act (“FAA”). Neither you nor shall be entitled to join or consolidate claims in arbitration by or against other consumers or arbitrate any claim as a representative or member of a class action or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.

Governing Law

These Service Terms and Services provided hereunder will be governed by the laws of the State of Florida, without regard to any laws that would direct the choice of other states laws and where applicable, will be governed by the federal laws of the United States.

Entire Agreement

These Service Terms, the Privacy Policy, and other policies may post constitute the entire agreement between and you in connection with your use of our Websites, the Services, and the Content, and supersede any prior versions of the Service Terms, if applicable. The Terms and Conditions are effective until terminated by In the event of termination, the Proprietary Rights, Communications, Disclaimers and Limitations of Liability, and Governing Law provisions set forth in these Service Terms will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in our Websites, Services or Content, these Service Terms will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Electronic Signature & Acceptance of Agreement

By navigating our website, you agree to accept these Service Terms electronically as if you had physically signed the Agreement.

Last Updated: November 2018