You must not misuse this Site. You will commit or encourage a criminal offense, transmit or distribute a virus, Trojan, worm, logic bomb, or any other material which is malicious, technologically harmful, in breach of confidence or in any way offensive or obscene. Hacking into any aspect of the service, corrupt data, cause annoyance to others, infringe upon the rights of any other person’s proprietary rights, send unsolicited advertising or promotional material, or spam, is also restricted. Breaking this provision would constitute a criminal offense and CREDIT IN COMMERCE will report any such activities to the relevant law enforcement authorities and disclose your identity to them.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Site or to your downloading of any material posted on it, or on any website linked to it.
Money Back Guarantee
CREDIT IN COMMERCE, protects all clients with our 90 day warranty. If you sign up for Credit Repair Service with CREDIT IN COMMERCE, and do not see any questionable items deleted from your credit in 90 days, you will be entitled to a full refund. This does not mean that your credit will be repaired completely during that period but you should see some of your questionable negative items deleted in this period or your money back.
To apply for a refund please contact CREDIT IN COMMERCE and speak with a client service specialist by phone, so your identity can be verified. CREDIT IN COMMERCE 90 day Money Back Guarantee will be strictly subject to you complying with the following terms and conditions:
1. That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program; You make all payments due and owing to CREDIT IN COMMERCE per this agreement in a timely manner.
2. You upload to our secure portal, mail, fax, or email CREDIT IN COMMERCE all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.
3. You upload to our secure portal, mail, fax, or email to CREDIT IN COMMERCE proof of your identity such as a copy of your driver’s license and copy of your social security card within five (“5”) days of the effective date of this agreement.
4. You agree to give CREDIT IN COMMERCE thirty (“30”) days from the date you have requested a refund to allow CREDIT IN COMMERCE adequate time to review your credit reports and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring. Refunds are limited to payments made for 90 days of service only. (ex. If client is in service for 180 days, with no change made to their history, they can request a refund, but that refund will be limited to 90 days of service).
Furthermore, CREDIT IN COMMERCE offers no guarantee that client’s credit score will increase once upon or after the completion of CREDIT IN COMMERCE service. This is primarily because after removing all negative items from client’s credit profile, there could very well be insufficient “good” credit remaining.
Intellectual Property and Use of Content on the Website
This Site is an educational service that provides general credit repair information. The intellectual property rights in all content made available to you on or through this Site remains the property of CREDIT IN COMMERCE or its licensors and are protected by copyright laws. You are not permitted to publish, manipulate, distribute or otherwise reproduce, in any format, any of the content or copies of the content supplied to you or content on this Site nor may you use any content in connection with any business or commercial enterprise.
Other uses, such as modify, delete, redistribute, resell, or republish of the Site’s materials and content may not, directly or indirectly, is strictly prohibited.
The Site’s content is not a substitute for direct, personal, professional, financial, tax, or legal advice. We are not Financial Advisors or Lawyers, and anything on this Site should be cleared with your financial advisor, CPA, or lawyer.
Content and information is believed to be accurate at the time of creating CREDIT IN COMMERCE. All data provided on this Site is to be used for informational and educational purposes only.
THE PRODUCTS, ARTICLES, AND MATERIALS PRESENTED ON THE SITE AND SENT TO YOU BY EMAIL OR OTHER ELECTRONIC NOTIFICATIONS ARE FOR INFORMATIONAL PURPOSES ONLY. THESE ARE NOT SUBSTITUTE FOR PROFESSIONAL AND FINANCIAL, TAX, OR LEGAL ADVICE. THIS INFORMATION SHALL IN NO WAY AND IN NO MANNER BE CONSIDERED FINANCIAL, TAX, LEGAL, OR OTHER PROFESSIONAL ADVICE OR A SUBSTITUE THEREFORE.
CREDIT IN COMMERCE SERVICES
You are not required to sign up or create an account with CREDIT IN COMMERCE’s services in order to visit and read material on this Site. However, to receive assistance from CREDIT IN COMMERCE, you will need to create an account or purchase such materials in order to improve your credit reports and credit scores. If you sign up, you agree to provide accurate and complete information. You must be legally capable to enter into contract and it is your responsibility to make any updates to that information.
We do not allow other persons to sign up for CREDIT IN COMMERCE services on behalf of another, unless you have an appropriate Power of Attorney. You are accountable for stopping such unauthorized use. If you believe there has been unauthorized use, you should contact CREDIT IN COMMERCE immediately at firstname.lastname@example.org.
Users forward CREDIT IN COMMERCE their testimonials of products and services they have used. These testimonials are on the Site and may not reflect the user’s experience, may not relate to everyone using CREDIT IN COMMERCE products and services, and are not proposed to represent or guarantee that anyone will the same or similar results.
Terms of Sale
By placing an order you are offering to purchase a product on and subject to the following terms and conditions. All orders are subject to availability and confirmation of the order price. In order to contract with CREDIT IN COMMERCE you must be over 18 years of age and possess a valid debit or credit card issued by a bank acceptable to us. CREDIT IN COMMERCE retains the right to refuse any request made by you. If your order is accepted, we will inform you by email. When placing an order you undertake that all details you provide to us are true and accurate, that you are an authorized user of the credit or debit card used to place your order and that there are sufficient funds to cover the cost of the goods. The cost of foreign products and services may fluctuate. All prices advertised are subject to such changes.
When you place an order, you will receive an acknowledgement email confirming receipt of your order: this email will only be an acknowledgement and will not constitute acceptance of your order. A contract between us will not be formed until we send you confirmation by email that the products which you ordered have been dispatched to you. Only those products listed in the confirmation email sent at the time of dispatch will be included in the contract formed.
Pricing and Availability
We try and ensure that all details, descriptions and prices which appear on this Site are accurate, errors may occur. If we discover an error in the price of any products, which you have ordered, we will inform you of this as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it. If we are unable to contact you we will treat the order as cancelled. If you cancel and you have already paid for the products, you will receive a full refund.
Upon receiving your order we carry out a standard authorization check on your payment card to ensure there are sufficient funds to fulfill the transaction. Your card will be debited upon authorization being received. The monies received upon the debiting of your card shall be treated as a deposit against the value of the products you wish to purchase. Once the goods have been dispatched and you have been sent a confirmation email the monies paid as a deposit shall be used as consideration for the value of products you have purchased as listed in the confirmation email.
You agree to transact with us electronically. Meaning, you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the internet. You authorize us to send you notifications about the Site and any pending transactions to an email address you provide to us, if you are a member of CREDIT IN COMMERCE or have requested that we contact you about our credit repair services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to transact electronically with us, you may no longer use the Site or CREDIT IN COMMERCE’s products and services.
Disclaimer of Liability, Warranty, and Indemnification
The materials displayed on this Site is provided without any guarantees, conditions, or warranties as to its accuracy. CREDIT IN COMMERCE makes no representations concerning the availability and presentation of its Site. You hereby acknowledge that any use of the Site and reliance upon any materials shall be at your sole risk and that CREDIT IN COMMERCE shall not be liable for any loss of data, loss of profits, or any other damages or losses resulting from such use.
CREDIT IN COMMERCE shall not be deemed to have waived any rights or remedies on the Site’s terms unless such waiver is in writing and signed by CREDIT IN COMMERCE. If you breach these conditions and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach these conditions.
CREDIT IN COMMERCE reserves the right to investigate complaints or reported violations of the Site Terms and to take any action CREDIT IN COMMERCE deems fitting including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, email addresses, usage history, posted materials, IP addresses and traffic information. CREDIT IN COMMERCE reserves the right to seek all remedies available at law and in equity for violations of the Site Terms, including but not limited to the right to block access from a particular Internet address to any CREDIT IN COMMERCE website. These incorporate by reference any notices contained on the Site and constitute the entire agreement with respect to access to and use of the Site, your request that CREDIT IN COMMERCE contact you about its credit repair products and services.