Terms & Conditions of Use

Use of this eCreditDispute.com website ( and its entire contents, including but not limited to the text, data, information, materials, software, and graphics contained or provided in this web site) and the services offered by eCreditDispute.com (Collectively, "The Site” and "Process to Success Steps) is subject to the Terms and Conditions of this User Agreement (this "User Agreement”). By using this web site or, if you are a registered user, by clicking on the "submit” button on the registration page: (1) You represent that you have read and understand, and have the capacity and authority to enter into, this User agreement; and (2) you agree to be bound by all of the terms and conditions of this user agreement.

eCreditDispute.com may change the terms and conditions of this User Agreement at any time. You will be notified of any such changes via the email you set your account up with. You will be responsible for regularly checking your email and for reviewing any such changes. In addition, the current User Agreement can always be found in the Membership area of this Web site. By using this Web site after any such changes take place, you agree to be bound by such changes. If you do not agree to be bound by any such changes, you must immediately stop using this Web site.

Termination

These terms and conditions are effective until they are terminated by you or eCreditDispute.com. You may terminate this Agreement at any time by contacting eCreditDispute.com customer support to disable your account ID. These terms and conditions will terminate immediately without notice from eCreditDispute.com.

If, in eCreditDispute.com ‘s sole discretion, you fail to comply with any material term or provision hereof or if eCreditDispute.com believes that you, by your conduct, have violated any applicable laws or are acting contrary to the interests of eCreditDispute.com its members, its users and/or its affiliates.

Ownership and Copyright

You acknowledge and agree that all portion of this Web site including all content, site design, text, graphics, the selection and arrangement thereof is owned by eCreditDispute.com or its content providers and is protected by United States copyright, international copyright and other intellectual property laws. You further acknowledge and agree that this Web site contains data and information of a proprietary and confidential nature. You agree not to use this Web site (including such data and information) for any purpose other than as set forth in this User Agreement and to use reasonable efforts to keep such data and information confidential.

Trademarks

eCreditDispute.com, eCreditDispute.com logo are registered trademarks of eCreditDispute.com. None of eCreditDispute.com’s trademarks, including but not limited to the foregoing, may be used for any purpose without eCreditDispute.com’s prior written consent. All trademarks not owned by eCreditDispute.com are the property of their respective owners.

Use of this Web Site

You may use this Web site for your personal, non-commercial use. You may print hard copies of this Website or portions thereof, only in connection with such personal, non commercial use, provided that such hard copies contain the following notice:

"Copyright © 2008 eCreditDispute.com Research Inc. All rights reserved."

You may not print hard copies of this Web site for any use other than your personal, noncommercial use. Except as expressly set forth in the User Agreement, you may not modify, copy distribute, disclose, retransmit, sell, publish, broadcast, or circulate this Web site or any portion thereof without eCreditDispute.com’s prior written consent.

eCreditDispute.com shall have the right to: restrict or prevent your access to this Web site (or any portion thereof) at any time without notice; or change or discontinue providing this Web site (or any portion thereof) at any time without notice. eCreditDispute.com shall have no obligation to update this Website or to correct any errors or omissions in this Web site.

eCreditDispute.com may require you to become a registered user, pay certain fees, or comply with certain other terms and conditions before using certain portions of this Web site. In all such cases, this User Agreement shall continue to govern your use of such portions of this Web site.

eCreditDispute.com and its officers, directors, board members, employees and shareholders are not responsible for any member’s misinterpretation, abuse or disregard for State and/or Federal Laws. Any information provided by eCreditDispute.com is only for educational purposes and is not meant to be nor should it be considered advice, legal or otherwise. eCreditDispute.com does not provide legal advice or legal services. eCreditDispute.com recommends that its members, users and/or listeners seek the aid of a competent attorney for legal advice.

eCreditDispute.com does not allow or encourage its members and/or users to resell, distribute or use its products or information in any way that represents the potential deletion of accurate information from any credit report for any person wishing to improve, clean or clarify their credit rating and/or score(s). It’s implicitly understood by all parties that no person can ever guarantee the deletion, correction and/or improvement of a credit score and/or any other item contained in any credit report.

All members and/or users agree to only dispute items that appear to be inaccurate, incomplete, obsolete and/or are unverifiable. This prevents frivolous disputes, keeping within the spirit of the Fair Credit Reporting Act and/or applicable laws.

eCreditDispute.com does not promote or encourage its members and/or users to make any false statements whether by U.S. Mail, verbal or otherwise. eCreditDispute.com encourages its members and/or users to promote and foster ideas that assist its other members and/or users to achieve a more professional and thorough understanding of credit repair, credit scoring, debt collection practices, loan servicing, credit reporting, etc. This behavior will benefit its members, users and/or the general public in many ways. eCreditDispute.com believes we have an opportunity to create effect and make changes within the Fair Credit Reporting Act and applicable laws by raising awareness of the overall inefficiencies within the credit reporting systems to our Congressmen and/or Congresswomen.

Disclaimer of Warranties

THIS WEB SITE IS PROVIDED ON AN "AS IS" AND "WHERE IS” BASIS. eCreditDispute.com DISCLAIMS ALL WARRANTIES OF ANY KIND REGARDING THIS WEB SITE, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OWNERSHIP, NONINFRINGEMENT, ACCURACY OF INFORMATIONAL CONTENT, ABSENCE OF VIRUSES, AND DAMAGING OR DISABLING CODE.
NEITHER eCreditDispute.com NOR IT’S CONTENT PROVIDERS WARRANT THE ACCURACY, CORRECTNESS, COMPLETENESS, OR TIMELINESS OF THIS WEB SITE OR ITS CONTENT. NEITHER eCreditDispute.com NOR ITS CONTENT PROVIDERS SHALL BE RESPONSIBLE FOR DAMAGES OR OTHER LOSSES RESULTING FROM USE OF THIS WEB SITE OR IT’S CONTENT.

Some jurisdictions do not allow the exclusion or limitation of implied warranties, so the above exclusions or limitations may not apply.
Limitation of Liability

NEITHER eCreditDispute.com NOR ITS CONTENT PROVIDERS SHALL BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM OR RELATING TO THIS USER AGREEMENT, THIS WEB SITE, ITS CONTENT, OR THE USE OF AND/OR RELIANCE ON THIS WEB SITE FOR ITS CONTENT (WHETHER IN CONTRACT OR TORT) EXCEPT TO THE EXTENT SUCH DAMAGES ARISE DIRECTLY FROM A BREACH BY eCreditDispute.com OF ANY OF ITS EXPRESS OBLIGATIONS UNDER THIS USER AGREEMENT.
NEITHER eCreditDispute.com NOR ITS CONTENT PROVIDERS SHALL BE LIABLE FOR ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATING TO THE FOREGOING, WHETHER IN CONTRACT OR TORT, EVEN IF eCreditDispute.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations or exclusions may not apply.

Indemnification

You agree to indemnify, defend, and hold harmless eCreditDispute.com and its affiliates from and against any and all claims, liabilities, losses, costs, or damages of any kind (including but not limited to attorneys' fees) arising from or relating to: (i) your use of this Web site; (ii) your breach of this USER AGREEMENT; or (iii) any messages, information, or materials uploaded, posted, published, or transmitted by you in connection with the Forums (as defined below).

Third-party Web sites, Links, and Information

This Web site may contain information, products, and services provided by third parties and links (including advertisements) to Web sites made available by third parties. This information and these products, services, and links are provided only as a convenience to users of this website. eCreditDispute.com does not control this information or these products, services, or websites. And, eCreditDispute.com does not make any representations or warranties, express or implied, regarding this information or these products, services, or Web sites. Inclusion of any of the foregoing in this Web site does not constitute or imply an endorsement, authorization, sponsorship, or affiliation by or with eCreditDispute.com with respect to any third party, any third party's Web site or its content, or any information, products, or services provided by a third party.

Privacy and Information Made Available by You

You hereby acknowledge that eCreditDispute.com may be disclosing the information provided by you through your use of this Web site to third parties and you hereby grant to eCreditDispute.com your explicit permission to use and disclose any information provided by you through this Web site (including but not limited to information provided through e-mail) to such third parties, or made available through your use of this Web site, for any lawful purpose, without being required to compensate you in any way, unless you indicate otherwise in writing to eCreditDispute.com.

eCreditDispute.com protects its members, users & member’s client information through the usage of a secure website.

Solicitation

eCreditDispute.com will not solicit you or your client(s) for any financial transactions regarding the purchase, financing or lease of any real estate, house, manufactured home, automobile, recreational vehicle, watercraft, aircraft, personal loan or credit card for a period of no less than 120 days. eCreditDispute.com will not sell, lease or distribute you and/or your client’s information to any outside credit vendor(s) (affiliated or not) for a period of no less than 120 days.

eCreditDispute.com does not intend to distribute or sell you and/or your client’s information (or solicit you and/or your clients), but reserves the right to do so (if desired) after 120 days from the date eCreditDispute.com’s software is initially utilized for the dispute of any personal and/or client information.

Use of Bulletin Boards, Chat Rooms, and Other Forums

eCreditDispute.com does not make any representations or warranties regarding any bulletin boards, chat rooms, or other electronic forums (i.e., CreditChat24/7) made available on or via this Web site (collectively, "Forums") or any messages, information, or materials contained in the Forums. You acknowledge and agree that your use of, or reliance upon, any such messages, information, or materials shall be at your sole risk. eCreditDispute.com shall use reasonable efforts to comply with its policies regarding the conversations, as such policies may be changed by eCreditDispute.com from time to time (the "Forum Policy"). However, eCreditDispute.com does not, and cannot, review all of the information and materials provided in the Forums and shall not be responsible for the contents of any such messages, information, or materials. eCreditDispute.com reserves the right to delete, move, or edit any such messages, information, or materials that it determines, in its sole discretion, violate this USER AGREEMENT or the Forum Policy or are otherwise unlawful, inappropriate, or unacceptable.

To the extent that you use the Forums, you represent, warrant, and covenant that you shall: (i) comply with the Forum Policy; (ii) be solely responsible for your use of the Forums and any messages, information, and materials provided by you; (iii) not advertise or offer to sell goods or services of any kind; and (iv) not upload, post, publish, or transmit any messages, information, or materials which (a) restrict or inhibit any other user from using and enjoying this Web site, (b) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit, or indecent, (c) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable law, (d) violate or infringe the rights of eCreditDispute.com or any third party (including but not limited to copyrights, trademarks, patents, trade secrets, and rights of privacy and publicity), (e) constitute or contain false or misleading indications of origin or statements of fact, (f) contain software or any other commercial materials or information, or (h) contain any viruses or other harmful component.

By uploading, posting, publishing, or transmitting any messages, information, or materials in connection with the Forums, you hereby grant to eCreditDispute.com and its affiliates a royalty-free, worldwide, perpetual, transferable, irrevocable, nonexclusive license (with the right to sublicense) to use, copy, modify, display, publicly perform, distribute, reproduce, and create derivative works of the foregoing in any form, media, software, or technology of any kind now existing or developed in the future.

Governing Law and Jurisdiction

This USER AGREEMENT shall be governed by and construed in accordance with the laws of the State of Kentucky and the laws of the United States of America applicable therein, without giving effect to any choice-of-law or conflict-of-law provision or rule that would cause the application of the laws of any jurisdiction other than the State of Kentucky. You hereby consent to, and agree to bring any and all claims in, the exclusive jurisdiction of the provincial and federal courts located in Lexington, Kentucky, for any action or proceeding arising under or relating to this USER AGREEMENT, this Web site, or the use of, or reliance on, this Web site, whether based in contract or tort.

The parties have requested that these terms and conditions and all communications and documents relating hereto be expressed in the English/Spanish language.

Entire Agreement

This Agreement shall constitute the entire agreement between you and eCreditDispute.com regarding the subject matter hereof, and shall supersede any and all prior negotiations, representations, warranties, undertakings, or agreements, written or oral, between the parties regarding such subject matter.

Severability

To the maximum extent possible, each provision in this USER AGREEMENT shall be interpreted in such manner as to be valid and enforceable under applicable law. If any provision of this USER AGREEMENT is held to be invalid or unenforceable under applicable law, such provision shall be modified so as to be rendered valid and enforceable while implementing, to the maximum extent possible, the original intent of such provision. If such modification is not possible or allowed, then such provision shall be ineffective only to the extent of such unenforceability or invalidity without affecting the remainder of such provision or any other provisions in this USER AGREEMENT.

Penalties

Any violation of any portion of this USER AGREEMENT will be fully enforced by eCreditDispute.com at is discretion. Should eCreditDispute.com choose not to pursue legal action for any prior violation(s) of this USER AGREEMENT, eCreditDispute.com does not waive its right(s) to pursue legal action for the initial and/or subsequent violations of this USER AGREEMENT.

All members and/or users agree to pay for the legal expenses of eCreditDispute.com should any violation(s) of this USER AGREEMENT be enforced by any court of law within the United States of America. The payment of eCreditDispute.com’s legal expense(s) may not constitute payment in full for any financial penalties imposed by any judge, jury or other State and/or Federal Authority for violation(s) of this USER AGREEMENT.

THIS DOCUMENT WAS LAST UPDATED ON July 15th, 2009.