TERMS OF uSE
This agreement is entered into
between Florida Credit Repair (“FLCR”),
a Florida Professional Company, with a mailing address
of 340 3rd Ave. South, Suite A, Jacksonville Beach,
Florida 32250, and the party (“You”) utilizing
the FloridaCreditRepair.com Web Site (“Site”).
Your use of this site is your express and explicit agreement
to be bound by this agreement, commonly referred to
as the “Terms Of Use” (“TOU”).
If you do not agree to be bound by this agreement, you
must not use this site and must leave the site immediately.
FLCR agrees to post information
and provide you access to the site only in accordance
with this TOU.
You agree to be bound by all the
terms and conditions set forth in this TOU and as otherwise
displayed on the site.
You agree that FLCR makes
no warranty or guarantee that the site and the information
contained therein shall be available at any particular
time, and that the site may be unavailable completely
or partially from time to time.
The information contained within
the site is for general informational purposes only
and does not constitute legal advice. The site contains
information that is not reflective of any particular
set of factual circumstances and is thus devoid of the
thoughtful analysis and review of specific facts by
an attorney that is required in providing legal advice.
THE ARTICLES AND MATERIALS DISPLAYED ON THE SITE ARE
FOR INFORMATIONAL PURPOSES ONLY, THIS IS NOT A SUBSTITUTE
FOR PROFESSIONAL AND SPECIFIC LEGAL ADVICE. THIS INFORMATION
SHALL IN NO WAY AND IN NO MANNER BE CONSIDERED LEGAL
ADVICE OR OTHER PROFESSIONAL ADVICE OR A SUBSTITUTE
THEREFOR. FLCR makes no warranty and does not represent
nor endorse the accuracy of any advice, opinion, statement,
or other information displayed on the site. Your continued
use of the site is predicated upon your agreement that
any reliance upon any such materials, opinion, advice,
statement, memorandum, or information shall be at your
sole and own risk. FLCR reserves the right, in
its sole discretion, to modify or correct any errors
or omissions in any portion of the site.
FLCR cannot and does not guarantee
that information that you provide will remain confidential.
Because the internet is an imperfect medium there remains
a risk that communications sent over the internet are
subject to interception by a third party who may use
such information for unanticipated reasons. As such
by your continued use of the site, you agree that FLCR
is not responsible for and will not be liable to you
or any third party for damages in connection with communications
sent over the internet. These communications may include
but are not limited to information such as, your personal
information, name, address, social security number and
other financial information. You further agree that
by simply sending information to FLCR, no professional,
confidential, fiduciary, contractually implied or any
other relationship is created between you and FLCR other
than those described in this TOU and any other subsequent
written agreement entered into between FLCR and you.
The content and information presented
on the site is protected by U.S. Copyright laws, and
other relevant intellectual property laws and is the
sole intellectual property of FLCR. Permission
is given to view the content on this site for personal
use only. Any non-personal or commercial use of the
information presented on this site is expressly prohibited
and is a violation of these laws and will be prosecuted
accordingly. Prior written consent by an officer of
FLCR is required prior to any non-personal use
of this site.
FLCR RESERVES THE RIGHT TO
RESTRICT OR TERMINATE ONE’S USE OF THE SITE IN
PART OR IN WHOLE FOR ANY REASON OR FOR NO REASON, AT
ANY AND ALL TIMES. YOUR USE OF THE SITE IS GRANTED ON
AN AS IS/AS AVAILABLE BASIS, SUBJECT TO THE DISCRETION
OF FLCR.
FLCR reserves the right to
modify, alter, amend, change, delete or otherwise manipulate
the information and/or data presented on the site at
any time without notice.
You warrant and agree that you
will not in any way present obstacles and/or hindrances
to other users by: posting, transmitting or distribution
any information that contains a virus or is not relevant.
You agree to indemnify, defend
and hold FLCR, its’ officers, directors,
owners, agents, employees, information providers and
affiliates (collectively referred to as the “Indemnified”)
harmless from and against any and all liability and
costs incurred by the Indemnified in connection with
any claim arising out of any breach by you of these
Terms of Use or the foregoing representations, warranties
and covenants, including, without limitation, attorneys’
fees and costs. You shall cooperate as fully as reasonably
required in the defense of any claim. FLCR reserves
the right, at its own expense, to assume the exclusive
defense and control of any matter otherwise subject
to indemnification by you and you shall not in any event
settle any matter without the prior written consent
of FLCR.
Should any part of the Terms of
Use by 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.
Your digital signature may be required
in portions of the site. YOU AGREE THAT YOUR DIGITAL
OR ELECTRONIC SIGNATURE IS EQUIVALENT TO YOUR HANDWRITTEN
SIGNATURE AS PROVIDED UNDER LAW.
You agree that this site, the information
provided, the Terms of Use and all other agreements
are given and made pursuant to Florida law. THIS TERMS
OF USE AGREEMENT, SHALL BE GOVERNED BY AND CONSTRUED
IN ACCORDANCE WITH THE LAWS OF THE STATE OF Florida,
WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. SOLE
AND EXCLUSIVE JURISDICTION FOR ANY ACTION OR PROCEEDING
ARISING OUT OF OR RELATED TO THIS TERMS OF USE AGREEMENT
SHALL BE AN APPROPRIATE STATE OR FEDERAL COURT LOCATED
IN DUVAL COUNTY IN THE STATE OF FLORIDA.
FEDERAL LAW REQUIRES US TO PROVIDE
YOU WITH THE FOLLOWING MANDATORY DISCLOSURE STATEMENT.
THIS STATEMENT IS PROVIDED NUMEROUS TIMES THROUGHOUT
THE SITE AND IS ALSO PROVIDED IN YOUR INTRODUCTORY EMAIL.
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 organization has the right to have accurate,
current, and verifiable information removed form 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 three 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
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
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