Terms of Use


 

ACCEPTANCE OF TERMS

 

Welcome to OnlineDebtGuide.org. Please review these Terms carefully before using this web site, as the services that OnlineDebtGuide.org provides are subject to the following Terms of Use. OnlineDebtGuide.org reserves the right to update the Terms of Use at any time without notice to you. We may occasionally change these Terms, so we encourage you to review the Terms periodically. The most current version of the Terms of Use can be reviewed by clicking on the "Terms of Use" hypertext link located at the bottom of each web page. If you use the services and information provided on this web site after a change to the Terms, you agree to accept all changes.

 

DESCRIPTIONS OF SERVICES

 

OnlineDebtGuide.org provides you with access to a variety of resources, including reviews, news, links, consumer comments, complaints, forums, search services, personalized content, branded content, directors of resources produced internally and by other parties (collectively "Services"). All such Services are subject to the Terms of Use. You understand and agree that OnlineDebtGuide.org Services are provided AS-IS and that OnlineDebtGuide.org assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications

 

PERSONAL AND NON-COMMERCIAL USE LIMITATION

 

Unless otherwise specified, the Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any of the information, data or products obtained from the Services.

 

PRIVACY AND PROTECTION OF PERSONAL INFORMATION

 

See the Privacy Policy disclosures.

 

DISCLAIMER OF LIABILITY

 

The information on the OnlineDebtGuide.org web site is general in nature and is not intended as a substitute for

competent legal advice. OnlineDebtGuide.org makes no representation as to the accuracy of the information and

assumes no liability for any damages or loss arising from the use thereof. All information is provided "as is" without warranty of any kind. OnlineDebtGuide.org and/or its respective information suppliers and contractors hereby disclaim all warranties and conditions with regard to the information.

 

YOU EXPRESSLY UNDERSTAND AND AGREE THAT ONLINEDEBTGUIDE.ORG AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ONLINEDEBTGUIDE.ORG HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (a) THE USE OR THE INABILITY TO USE THE ONLINEDEBTGUIDE.ORG SERVICE; (b) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES; (c) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE ONLINEDEBTGUIDE.ORG; OR (e) ANY OTHER MATTER RELATING TO THE ONLINEDEBTGUIDE.ORG.

 

NO UNLAWFUL OR PROHIBITED USE

 

You will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, notices or

applicable laws and statutes. You may not use the Services in any manner that could damage, disable, overburden, or impair any OnlineDebtGuide.org server, or the network(s) connected to any OnlineDebtGuide.org server, or interfere with any other party's use and enjoyment of any Services. You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any OnlineDebtGuide.org server or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.

 

ADVERTISEMENTS AND PROMOTIONS

 

OnlineDebtGuide.org runs advertisements and promotions from third parties on its Web sites. Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through our Web sites, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. OnlineDebtGuide.org is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on its Web sites. OnlineDebtGuide.org does not preview, examine or control the content of advertising messages, does not know or approve the identity of specific advertisers or products and services advertised. We do not endorse the truthfulness, suitability or value of any service or products advertised.

 

THIRD-PARTY CONTENT

 

We occasionally provide third party content or link to third party websites on the Services. We do not necessarily endorse or evaluate third party content and websites, and we do not assume responsibility for third parties’ actions or omissions. You should review third parties’ terms of use and privacy policies before you use their services. This web site contains links to web sites of companies that may provide some type of financial and/or debt settlement service. Any relationship that you may form with any of those companies is exclusively between you, the consumer, and that company. We do not warrant the products and/or services provided by any of those companies that are linked to this site. This site only contains links to those companies for your convenience.

 

Any references to third party products, rates, or websites are subject to change without notice. We do our best to maintain current information, but due to the rapidly changing environment, some information may have changed since it was published. Please do the appropriate research before participating in any third party offers.

 

AFFILIATE RELATIONSHIP

 

In accordance with FTC guidelines, we state that we may have a financial relationship with companies mentioned in this website. This relationship may be in the form of money, services or complimentary products or services and could exist without any action from a website visitor. Should you purchase a product or service that was recommended by this website, it is understood that some form of compensation might be made to the website owner.

 

USE OF SERVICES

 

The Services may contain bulletin board services, forums, communities, complaint forms, comment forms, service rating forms and/or other message or communication facilities designed to enable you to communicate with others ("Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. Without limitation, you agree that you will not:

 

• Use the Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).

 

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and

publicity) of others.

 

• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or

unlawful topic, name, material or information.

 

• Use any material or information, including images or photographs, which are made available through the Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.

 

• Harvest or otherwise collect information about others, including e-mail addresses.

 

• Violate any applicable laws or regulations.

 

• Create a false identity for the purpose of misleading others.

 

OnlineDebtGuide.org reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. OnlineDebtGuide.org reserves the right at all times to disclose any information as OnlineDebtGuide.org deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in OnlineDebtGuide.org's sole discretion. By posting, uploading, inputting, providing or submitting ("Posting") any Submission of any kind, you are granting OnlineDebtGuide.org, its affiliated companies and necessary sublicensees ownership of the Submission and permission to use your Submission in connection with the operation of their Internet businesses (including, without limitation, all OnlineDebtGuide.org Services), including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; to publish your name in connection with your Submission; and the right to sublicense such rights to any supplier of the Services. No compensation will be paid with respect to the use of your Submission, as provided herein. OnlineDebtGuide.org is under no obligation to post or use any Submission you may provide and OnlineDebtGuide.org may remove any Submission at any time in its sole discretion.

 

By Posting a Submission you warrant and represent that you own or otherwise control all of the rights to your

Submission as described in these Terms of Use including, without limitation, all the rights necessary for you to

provide, post, upload, input or submit the Submissions. You also warrant that the information provided in the

Submission is, to the best of your knowledge, truthful and accurate.

 

NO RESPONSIBILITY FOR LINKS

 

Hypertext links on OnlineDebtGuide.org's sites enable you to leave the OnlineDebtGuide.org site OnlineDebtGuide.org is not responsible for the contents of any linked sites nor for any links contained in any such linked site, nor for changes, updates and modifications in such sites. The links are provided to you only as a convenience and the inclusion of any such link does not imply endorsement by OnlineDebtGuide.org of the site, its contents, services and policies.

 

CONTROLLING JURISDICTION

 

California law and controlling U.S. Federal law govern any action related to the Terms and/or your use of the Web sites. You agree to submit to the personal and exclusive jurisdiction of the courts located within the State of California, U.S.A. Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.

 

OnlineDebtGuide.org
548 Market Street, Suite 61559
San Francisco, CA 94104

 

Updated - September 20, 2010