Terms of Use
Effective Date: September 8, 2014
Policy/Terms Updated: April 9, 2015
In using this website you are deemed to have read and agreed to the following terms and conditions:
The information provided on CreditLiteracyProject.com website is offered purely for informational purposes. No information is intended to be relied upon as legal, tax or investment advice. You are encouraged to seek out specific legal, tax or investment advice for your circumstances from a licensed professional in your state, territory, or region. While every intention is made to keep information current, laws, guidelines and policies are constantly changing. As a result we do not guarantee the information contained in the website is complete or up-to-date. Individual circumstances often vary, resulting in differences of how information would apply to your scenario. If you discover something that should be addressed please contact support@creditliteracyproject.com.
Introduction:
CreditLiteracyProject.com is operated under agreement with SuccessRoadMapPress, LLC and/or its affiliates (“CLP”, “SRMP”, “We” or “Us”). This Agreement describes the terms and conditions (“Terms”) pursuant to which you may access and use the services provided on CreditLiteracyProject.com (“the Site”). Please read this Agreement carefully as your use of the Site constitutes your binding acceptance of these Terms, including any modifications we may make. Please review the CreditLiteracyProject.com Privacy Policy which also governs your use and interaction with the Site.
About this site:
CLP is a website designed to teach about credit and credit scenarios, we are not a credit repair agency and do not repair credit. We provide information and educational material. Our primary content provider is Patrick Ritchie, author of several books about credit, mortgage and consumer law. We may also provide material from other experts on a case-by-case basis.
Description of Services:
Our services include posting articles and blogs about credit and credit scenarios, selling books and classes, partnering with sponsors to provide online classes and webinars on demand. In some cases we may have memberships available for more in depth group attention.
Your Consent:
By using CreditLiteracyProject.com you consent to our Terms of Use.
User’s Acknowledgment and Acceptance of Terms:
CAREFULLY REVIEW THE TERMS OF USE BEFORE USING THE CREDITLITERACYPROJECT.COM WEBSITE, BY USING THE SITE YOU AGREE TO THE TERMS HEREIN. IF YOU DO NOT AGREE TO BE BOUND BY ALL OF THE TERMS PLEASE LEAVE THE SITE AND DO NOT USE IT.
Amazon Associates Program Operating Agreement
CreditLiteracyProject.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com
User Content You Submit:
At times users may submit content via comments on blog posts or by sending information through the Site or via email.
Changes to our Privacy Policy:
The latest effective date is located at the top of the Privacy page. We reserve the right to change the Privacy Policy at any time we deem necessary. Non-material changes and clarifications will take effect immediately. If we make non-material changes, we will indicate at the top of this page the revised Policy’s new effective date. If we make material changes that impact you individually, we will attempt to notify you by email or through notice on the home page of the Site, and will also indicate so at the top of this page. The material changes will take effect 30 days after such notice. We encourage you to refer to this Policy at least every 30 days to check for material changes to this Policy.
Registration Data and Privacy:
The decision to provide information to us is purely optional; however, if you elect not to provide such information, you may not be able to access certain features or functions of the Site.
If you register on the Site and/or create a personal profile, you agree to accept responsibility for all activities that occur under your account or password, and you agree that you will not sell, transfer or assign your account or any account rights. You are responsible for maintaining the confidentiality of your password, and for restricting access to your computer, mobile device, or other internet access device so that others may not access the password protected portion of the Site using your name in whole or in part.
We reserve the right to terminate your account or otherwise deny you access to the Site in our sole discretion, without notice and without liability.
Prohibited Conduct on Site:
You agree to NOT use the Site to:
Upload, post, email, transmit or otherwise make available any content that is unlawful, fraudulent, harmful, threatening, abusive, rude, harassing, tortious, defamatory, hateful, vulgar, obscene, derogatory, libelous, invasive of another’s privacy, mean, racially, ethnically or otherwise objectionable or any behavior that could be deemed as such or unacceptable to a rational person.
Harm or harass others.
Impersonate any person or entity.
Engage in cyberbullying or tease other users in a manner that could be upsetting.
Intentionally or unintentionally violate any applicable local, state, national or international law.
Conduct on Site:
You agree to behave like a rational law abiding compassionate individual who does unto others as they would have them do unto them (assuming one does not wish harm for themselves) at all times while interacting with others on the Site.
You agree to abide by the law of local, state, national or international jurisdiction you reside, and specifically laws of the State of Arizona and the United States of America.
CLP disclaims responsibility and liability for the content and opinions expressed by others on the Site including, but not limited to, content or opinions regarding any products or service mentioned on the Site.
Third Party Sites, Services and Information:
When you use the Site, you may also be using the services of one or more third parties, such as a wireless carrier, mobile platform provider, internet provider, credit card processing, host or server. Your use of these third party services may be subject to the separate policies, terms of use, and fees of these third parties.
Intellectual Property Information:
All written content on the Site is protected by copyright, see below for details of copyright and trademark notices.
Copyright Notice:
All content on the Site has been written, created or compiled by Patrick Ritchie and is being used by copyright agreement. Patrick Ritchie retains all copyright over the material being used by CLP. Images used are either from the public domain, purchased software providing images as part of a software license, or may be from paid memberships to sites providing graphics and video.
On a case-by-case basis other content contributors may be utilized and they retain their copyright over any material or works they agree to have appear on CLP.
Trademark Notice:
We reserve the right to file for trademark and/or trade name protection with the United States Patent and Trademark Office on any mark we have created and use in business on a good or service that we have identified a proper basis for filing a trademark application. For more information on trademarks and intellectual property protection see: http://www.uspto.gov/
Content Submitted or Made Available for Inclusion on the Site:
CLP does not claim ownership of content you submit or make available for inclusion on the Site. Content you submit or make available for inclusion on public areas of the Site; you grant CLP and/or its affiliates the following universal, non-royalty, and non-exclusive license(s), in all jurisdictions as applicable:
“Public Areas” of the Site are those areas available to the general public.
Photos, written words, graphics, audio, or video you submit or make available for inclusion on public areas of the Site, the license to use, distribute, reproduce, modify, adapt, publicly perform, and publicly display such content on the Site. This license exists only for as long as you elect to continue to include such content on the Site and terminates at the time you or CLP removes such content from the Site.
Content other than photos, written words, graphics, audio or video you submit or make available for inclusion on public areas of the Site, the perpetual, irrevocable and fully transferable license to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform, and publicly display such content (in whole or in part) and to incorporate such content into other works in any format or medium now known or later developed.
Items Available for Download:
Any item made available for download is for personal use and is not to be resold without a license from the copyright holder listed on the publication.
Unauthorized Use of Materials:
Unauthorized use of material contained in the Site is prohibited, use is only intended for personal, not commercial, or to be sold, this provision includes unfair use of copyrighted material.
Licensing or Agreements:
If you would like to license material contained on CLP contact support@creditliteracyproject.com.
Links to Other Sites:
The Site may provide links to third party websites or resources not associated with us and over which we do not have control, known as “External Web Sites”. Such links do not constitute an endorsement by CLP of the External Web Sites, the content displayed therein, or the persons or entities associated therewith. You acknowledge that CLP is only providing these links as a convenience, and cannot be responsible for the content of such External Web Sites.
Do Not Upload Third Party Materials:
Refrain from uploading works with copyrights that do not belong to you or us.
Disclaimer of Warranties and Limitation of Liability:
THE SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH CREDITLITERACYPROJECT.COM ARE PROVIDED BY CLP ON AN “AS IS” AND “AS AVAILABLE” BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. CLP MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE, OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING BOOKS, DVDS, MEMBERSHIP, SOFTWARE, SPONSORSHIP OR WEBINARS) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, CLP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CLP DOES NOT WARRANT THAT THE SITE, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING BOOKS, DVDS, MEMBERSHIP, SOFTWARE, SPONSORSHIP OR WEBINARS) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, OUR SERVERS OR ELECTRONIC COMMUNICATIONS SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CLP WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF ANY CLP SITE OR SERVICE, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING BOOKS, DVDS, MEMBERSHIP, SOFTWARE, SPONSORSHIP OR WEBINARS) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH ANY CLP SERVICE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOUR JURISDICTION, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
Indemnification:
You agree to indemnify, defend, save and hold harmless CLP and/or its affiliates, and their officers, agents, employees, partners, and licensors, from, and against any and all claims, actions, demands, liabilities, damages, losses or expenses, including reasonable attorney fees, court costs, costs of claim processing, investigation and litigation, made by any third party due to or arising out of content you post, transmit, submit or otherwise make available, including intentional or unintentional negligence, slander, libel, act or omission through the Site, during your use of the Site, your connection to the Site, your violation of the Terms of Use, or your violation of any rights of another, including any breach of law.
Security and Password:
Protect your password and request a new one if it has been breached. Passwords may be reset from time to time as a security and privacy technique.
Participation in Promotions:
The Site may contain or offer sweepstakes, contests or other promotions, which may be governed by a separate set of rules that describe the sweepstakes, contest or promotion and may have eligibility requirements, such as certain age or geographic area restrictions, or may not be available where prohibited by law. It is your responsibility to read those rules to determine whether or not your participation, registration or entry will be valid and to determine the individual requirements in connection with the applicable sweepstakes, contest or promotion.
Communications Via E-mail, Messaging, Blogging, and Chat Services:
CLP may make email, messaging, blogging, or chat services (“Communications”) available to users of our site, either directly or through a third-party provider.
We will not inspect or disclose the contents of private Communications except with the consent of the sender or the recipient, within the scope of the Electronic Communications Privacy Act, or otherwise required by law, court or government agency order. Further information is available in our Privacy Policy.
We may employ automated monitoring devices/plugins to protect ourselves and our users from mass unsolicited communications (“Spam”) and/or other types of electronic communications inconsistent with our practices. Such protections may NOT be 100% effective in all instances, we will not be responsible for any legitimate communication that is blocked, or for any unsolicited communication that is not blocked.
International Use:
The content of the Site is focused on the United State of America; while the Site is accessible worldwide the material is not meant for international audiences and may not apply in any country other than the United States of America.
Termination of Use:
You are free to stop using the Site at any time and/or opt-out of communication. Likewise, CLP and/or its affiliates reserve the right to discontinue a relationship with any user of the Site deemed to be in breach of the Terms of Use, but not limited, if it is determined that other detrimental circumstances may exist.
Governing Law:
The Site is controlled in the State of Arizona, U.S.A.
You agree that by accessing this Site we are in agreement that the laws and statutes of the State of Arizona will apply to all legal matters, without regard to any conflicts of laws principles, and regardless of jurisdiction of the User. Controllers of the Site are not located in any other State or jurisdiction. Any federal matter would be heard in a court of law located in Maricopa County, Arizona. Each party waives any objection it may now or hereafter have to venue or to convenience of forum.
Statute of Limitations:
You agree that regardless of jurisdictional statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or Terms of Use must be filed within twelve (12) months or one (1) year after such claim or cause of action arose or the agreed statute of limitations set between you the user and us the Site has expired at the twelve (12) month or one (1) year mark and is therefore barred from legal proceedings or arbitration per this agreement. If you disagree do not use the Site.
Notices:
Some of the legal material found at this Site has been abridged from laws, regulations, court decisions, administrative rulings, other sources. Further details may be necessary for complete analysis and understanding in particular matters. The information contained at the Site, and related links, is not a substitute for professional legal counsel.
All links to non-CLP information are provided as a courtesy only. They are not intended to nor do they constitute an endorsement by CLP of the linked materials.
Entire Agreement:
The Terms of Use constitutes the entire agreement between you and CLP, as well as any affiliates of CLP. It governs your use of the Site, superseding any prior agreements between you and CLP with respect to the Site. You also may be subject to additional terms and conditions that may apply when you use, sponsor or purchase other CLP services or products, affiliate services, third-party content, or third-party software.
Copyright and Trademark Complaints:
CLP hereby disclaims any rights to trademarks, service marks, trade names, logos, copyrights, patents, domain names or other intellectual property interests of third parties. Please contact support@creditliteracyproject.com to report potential infringement concerns.
Miscellaneous:
Severability – if any provision or verbiage of the Terms of Use is found to be illegal, void or unenforceable, then that provision shall be deemed severable from the Terms of Use and shall not affect the validity and enforceability of any remaining provisions of these Terms.
Waiver – A provision of these Terms of Use may be waived only by a written instrument executed by the party entitled to the benefit of such provision. The failure of CLP to exercise or enforce any right or provision of the Terms of Use will not constitute a waiver of such right or provision.
Notice – Any notice or other communication to be given hereunder will be in writing and given by facsimile, postpaid registered or certified mail return receipt requested, or electronic mail.
No Agency – Nothing in these Terms shall be construed as making either party the partner, joint venture, agent, legal representative, employer, contractor or employee of the other. Neither the CLP nor any other party to this agreement shall have, or hold itself out to any third party as having, any authority to make any statements, representations or commitments of any kind, or to take any action that shall be binding on the other except as provided for herein or authorized in writing by the party to be bound.
These Terms and Your use of the Site and any products shall be governed by the substantive laws of the State of Arizona without reference to its choice or conflicts of law principles.
Violations:
Please report any violations of the Terms of Use to support@creditliteracyproject.com
Contact Information:
Contact us by mail at: Credit Literacy Project, Attn: Patrick Ritchie, PO Box 12285, Tempe, AZ 85284, U.S.A
Email: support@creditliteracyproject.com.
Telephone: 480-382-5520
Terms Regarding Purchases
Sale and Purchase of Goods and Services:
You are solely responsible for all service, telephone, cellular, internet, cable, data charges and/or other fees and costs associated with your access to and use of the Site and Products, as well as for obtaining and maintaining all telephone, computer hardware, and other equipment required for such access and use.
If you elect to access or use products or services that involve payment of a fee, then you agree to pay, and will be responsible for payment of, that fee and all taxes associated with such access or use. If you provide credit or debit card information to pay for such fees then you hereby represent and warrant that you are authorized to supply such information and hereby authorize Us to charge your credit or debit card on an as needed basis to pay the fees as they are due.
Unless otherwise stated, all fees are quoted in U.S. dollars. If your payment method fails your products or services will be cancelled or postpones until said payment has been made current.
Purchase Price:
Products and services are priced by CLP and its affiliates and are subject to change, any changes will be posted in the shopping cart or you will be notified by email if you are purchasing monthly sponsorships or membership.
Disclaimer of Warranty/Limitation of Liability:
THE PRODUCTS, SITE, COMPANY CONTENT, SUBMITTED CONTENT, COURSES, WEBINARS AND ANY OTHER MATERIALS MADE AVAILABLE ON OR THROUGH THE SITE OR THE PRODUCTS ARE PROVIDED “AS IS,” WITHOUT ANY WARRANTIES OF ANY KIND AND THE COMPANY HEREBY DISCLAIMS ALL SUCH WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, FREEDOM FROM ERRORS, SUITABILITY OF CONTENT, OR AVAILABILITY.
NEITHER PARTY SHALL BE LIABLE HEREUNDER UNDER ANY THEORY OF LIABLITY, INCLUDING, WITHOUT LIMITATION, CONTRACT, TORT OR NEGLIGENCE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR LOST PROFITS. THE COMPANY’S TOTAL LIABILITY HEREUNDER SHALL BE LIMITED TO THE AMOUNTS PAID IN CONNECTION WITH PRODUCTS OR SPONSORSHIPS UNDER WHICH SUCH LIABILITY AROSE.
Force Majeure:
Neither Party (“Us” “We” and “You”) shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, political insurgence, insurrection, riot, civil unrest, zombie apocalypse, act of civil or military authority, uprising, hurricane, earthquake, flood or any other natural or man-made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavours to comply with the terms and conditions of any Agreement contained herein.
General:
The laws of the State of Arizona and the United States of America govern these terms and conditions. By accessing the Site you consent to these terms and conditions and to the exclusive jurisdiction of the State of Arizona and/or the United States of America courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of CLP to enforce any of the provisions set out in these Terms of Use and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms of Use or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision.
Payment:
Credit card, debit card, money transfer, PayPal funds information that you and credit authorizers provide when you make payments electronically for products or other services via CreditLiteracyProject.com will only be used to process the transactions you request. Checks can be sent to Credit Literacy Project, Attn: Patrick Ritchie, PO Box 12285, Tempe, AZ 85284.
We generally do not charge your credit card until after your order has entered the shipping process except for pre-sale products scheduled to be shipped upon completion. For digital products, until we make the digital product available to you except for pre-sale products scheduled to be sent electronically upon completion.
You may not use the PayPal service for activities that violate any law, statute, ordinance or regulation.
Refunds:
CLP offers users a thirty (30) day money back guarantee on products; user must pay shipping to return any material. Refunds are for the price paid for the product and do not include shipping paid.
Refunds are not possible for any consultations charged on a time basis or live events.
Please note that if we believe that you are abusing our refund policy in our sole discretion, we reserve the right to suspend or terminate your account and refuse or restrict any and all current or future use of the Site, without any liability to you.
To request a refund email support@creditliteracyproject.com