Last updated april 2013
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- The site, including all content, software, functions, materials and information made available on or accessed 30 day credit repair through the site, is provided “as is, as available” to the fullest extent permissible by law. And its subsidiaries and affiliates make no representation or warranties of any kind whatsoever for the content on the site or the materials, information and functions made accessible by the software used on or accessed through the site, for any products or services or hypertext links to third parties or for any breach of security associated with the transmission of sensitive information through the site or any linked site. Further, the credit people and its subsidiaries and affiliates disclaim any express or implied warranties, including, without limitation, non-infringement, merchantability or fitness for a particular purpose. The credit people does not warrant that the functions contained in the site or any materials or content contained therein will be uninterrupted or error free, that defects will be corrected, or that the site or the server that makes it available is free of viruses or other harmful components. 30 day credit repair and its subsidiaries and affiliates shall not be liable for the use of the site, including, without limitation, the content and any errors contained therein. Further, in no event will 30 day credit repair be liable for any loss of profits, business, use of data or for indirect, special, incidental or consequential damages of any kind whether based in contract, negligence or other tort. To the fullest extent permitted by applicable laws, we on behalf of our employees, agents, suppliers, and contractors, disclaim and exclude liability for any losses and expenses of whatever nature and howsoever arising, including without limitation any direct, indirect, special, punitive, or consequential damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of this the site or any web site with which it is linked. You assume total responsibility for establishing such procedures for data back up and virus checking as you consider necessary.
- Where we provide hypertext links from or to third party sites we do so for convenience and information purposes only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to the website, the content of those sites, the third parties named therein, or their products, resources or services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking, and we accept no liability nor make any endorsement or approval of the same.
- Pursuant to federal law we are providing the following separate written statement for your review and to acknowledge receipt thereof, which, pursuant to the requirements of federal law, will also be delivered with any contract for credit report repair services entered into with 30 day credit repair.
Disclosure statement required pursuant to federal law
Consumer credit file rights under state and federal law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the credit repair organization act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 5 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The federal trade commission regulates credit bureaus and credit repair organizations. For more information contact:
The public reference branch
federal trade commission
washington, d.c. 20580
NO GUARANTEE CLAUSE:
NOTHING IN THIS AGREEMENT AND NOTHING IN 30 DAY CREDIT REPAIR’S STATEMENTS TO CLIENT WILL BE CONSTRUED AS A PROMISE OR GUARANTEE ABOUT THE OUTCOME OF THIS MATTER. NEITHER 30 DAY CREDIT REPAIR NOR ITS PARTNERS, COUNSELORS, AGENTS, REPRESENTATIVES, AFFILIATES, EMPLOYEES OR ASSOCIATES MAKES ANY SUCH PROMISES OR GUARANTEES. 30 DAY CREDIT REPAIR CANNOT GUARANTEE OR PROMISE THAT INACCURATE, UNVERIFIABLE, OR OUTDATED INFORMATION WILL BE REMOVED FROM THE CREDIT REPORT. IT IS THE SOLE DISCRETION OF THE CREDIT BUREAUS. 30 DAY CREDIT REPAIR’S COMMENTS ABOUT THE OUTCOME OF THIS MATTER ARE EXPRESSIONS OF OPINION ONLY. CLIENT ACKNOWLEDGES THAT 30 DAY CREDIT REPAIR HAS NOT MADE ANY PROMISES OR GUARANTEES ABOUT THE OUTCOME. CLIENT FURTHER UNDERSTANDS THAT NEGATIVE CREDIT ITEMS MAY REAPPEAR ON THE CLIENT’S CREDIT PROFILE. CLIENT FURTHER AGREES TO HOLD 30 DAY CREDIT REPAIR, ITS PARTNERS, COUNSELORS, AGENTS, REPRESENTATIVES, AFFILIATES, EMPLOYEES OR ASSOCIATES UNACCOUNTABLE FOR ANY LIABILITY SHOULD 30 DAY CREDIT REPAIR BE UNABLE TO PERFORM SERVICE OR IF DELETED OR MODIFIED CREDIT ITEMS REAPPEAR ON CREDIT OVER TIME.
ALL FUNDS COLLECTED FOR THIS TRANSACTION AFTER THE 5TH DAY ARE NON-REFUNDABLE NO EXCEPTIONS ALL PAYMENTS FOR BALANCES DUE ON CONTRACT BETWEEN 30 DAY CREDIT REPAIR AND CLIENT MUST BE PAID IN FULL. IF CLIENT DOES NOT ABIDE BY THE TERMS OF THIS CONTRACT, 30 DAY CREDIT REPAIR HAS THE RIGHT TO CANCEL THIS CONTRACT AND ALL SUMS PAID BY CLIENT TO 30 DAY CREDIT REPAIR SHALL NOT BE REFUNDABLE. IF ANY PART OF THIS AGREEMENT IS DETERMINED TO BE INVALID OR UNENFORCEABLE PURSUANT TO APPLICABLE LAW, THE REMAINDER OF THIS AGREEMENT SHALL CONTINUE IN EFFECT AND ARE DUE IMMEDIATELY. ANY CLIENT WHO VIOLATES ANY PROVISIONS OF THIS CONTRACT IS RESPONSIBLE FOR BUT NOT LIMITED TO: ACCOUNT BEING REFERRED TO AN OUTSIDE COLLECTION AGENCIE(S) IN ORDER TO COLLECT THE DEBT OWED, ACTUAL DAMAGES, PUNITIVE DAMAGES, COURT, ATTORNEY AND/OR LEGAL FEES.