Credit 101 Terms of Use
Last updated Jan 2020
This Website Terms of Use Agreement (“Website Terms”) is between you and Credit 101 LLC,
its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors,
and their respective agents, employees, directors, officers, partners, and members (whether
acting in their corporate or individual capacity) (“Credit101,” “we” or “us”), with a principal
place of business at 2933 W. Cypress Creek RD STE 201E Fort Lauderdale, FL 33309.
Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the
same effect as an agreement in writing and govern your use of this site and its content (the
“Website”), your engagement of Credit101’s legal services, your request that Credit101 contact
you about its credit repair services, and/or your participation in Credit101’s Text Message
Program. Credit101’s “Text Message Program” includes sending text message(s) to Credit101
and/or receiving text message(s) from Credit101.
BY USING THE WEBSITE, ENGAGING CREDIT101’S LEGAL SERVICES, REQUESTING
THAT CREDIT101 CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR
PARTICIPATING IN CREDIT101’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR
AGREEMENT TO THE WEBSITE TERMS.
Credit101’s Privacy Policy applies to your use of Credit101’s website, all services provided by
us, your request that Credit101 contact you about its credit repair services, and/or your
participation in Credit101’s Text Message Program, and its terms are made a part of the Website
Terms. To view Credit101’s Privacy Policy, click here. By using Credit101’s website, engaging
our services, requesting that Credit101 contact you about its credit repair services, and/or
participating in Credit101’s Text Message Program, you acknowledge you have reviewed
Credit101’s Privacy Policy and agree to its terms.
BY USING CREDIT101’S WEBSITE, ENGAGING CREDIT101’S LEGAL SERVICES,
REQUESTING THAT CREDIT101 CONTACT YOU ABOUT ITS CREDIT REPAIR
SERVICES, AND/OR PARTICIPATING IN CREDIT101’S TEXT MESSAGE PROGRAM,
YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND
Credit101 ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART
OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY,
DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR
CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND
Credit101, INCLUDING BUT NOT LIMITED TO ANY ALLEGED
STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE
OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE
ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE
TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST,
CURRENT AND PROSPECTIVE INTERACTIONS WITH Credit101.
YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A
TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT
OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION
AGAINST Credit101 IN A COURT OF LAW. YOU MAY
INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST Credit101 IN
ANY JURISDICTION IN THE UNITED STATES. Credit101 WILL
REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING
FEE. THE RULES OF THE AMERICAN ARBITRATION
ASSOCIATION THEN IN FORCE SHALL GOVERN THE
ARBITRATION (provided, however, that the terms of the Website Terms
shall control over any inconsistency between the Rules of the American
Arbitration Association and the Website Terms). The arbitrator shall have
authority to interpret the Website Terms, including but not limited to the
authority to decide whether any claim is arbitrable under the Website
Terms and to decide issues related to the scope of arbitration, the rules of
arbitration, the arbitrator’s jurisdiction, and the enforceability of the
Website Terms. You agree that the Website Terms involves commerce
under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by
federal law, including the Federal Arbitration Act. The remainder of the
Website Terms is governed by the laws of the state of Florida, as provided
in Section 17 below.
1. About The Website Terms
The Website is a service made available by Credit101. If you do not agree to the Website Terms,
you may not use the Website. We may modify the Website Terms at any time. If you do not
agree to the changes, you must discontinue using the Website, discontinue using Credit101’s
services, rescind your request that Credit101 contact you about its credit repair services, and/or
discontinue your participation in Credit101’s Text Message Program before the changes take
effect. Your continued use of the Website, use of Credit101’s services, request that Credit101
contact you about its credit repair services, and/or participation in Credit101’s Text Message
Program after any such changes take effect constitutes your acceptance to such changes. Each
time you visit or log in to the Website, continue using Credit101’s services, continue your
request that Credit101 contact you about its credit repair services, and/or participate in
Credit101’s Text Message Program, you reaffirm your acceptance of the Website Terms. You
are responsible for regularly reviewing the Website Terms, by clicking on the "Terms of Use"
link at www.thecredit101.com. The Website Terms may be supplemented by additional terms
and conditions applicable to privacy, specific areas of this Website, or to where particular
content or transactions are posted in particular areas of the Website and, together with the
Website Terms, govern your use of those areas, content, or transactions.
2. About the Website
The Website gives users information about Credit101’s credit repair services, general
educational and informational resources about credit, and the ability to sign up for and engage
Credit101’s services.
3. Engagement of Credit101’s Services
You are not required to engage Credit101’s services in order to visit and read material on the
Website; however, you will need to engage Credit101’s services if you want it to assist you in
your efforts to improve your credit reports and rating. If you engage Credit101, you agree to
provide accurate and complete information. You must be legally capable to enter into contracts.
It is your responsibility to make any updates to your sign-up information. Each engagement is for
a single person only. We do not permit any other person to engage Credit101’s services on
behalf of another unless you have an appropriate Power of Attorney. You are responsible for
preventing such unauthorized use. If you believe there has been unauthorized use, you should
notify Credit101 immediately by emailing .
If you participate in Credit101’s Text Message Program after you engage Credit101, you may
stop receiving servicing text messages by texting STOP (and no other words or characters) to the
short code from which you received the Credit101 text message(s). Almost all STOP requests are
taken care of immediately, but it may take up to 3 business days from the date you text STOP to
be removed from Credit101’s texting list(s). Note that texting STOP in response to a servicing
text message will only stop servicing text messages, and will only stop text messages to the
phone number you used to text STOP.
4. Case Files
Should you choose to engage Credit101’s services, you will enter into a separate written
agreement with Credit101. Each legal file we create in conjunction with this separate written
agreement is called a “Case File.” Your Case File will continue to be subject to the agreements
otherwise governing them, except where so noted in the related agreement. Each Case File will
be subject to the following:
● The terms or instructions appearing on a screen when using the service;
● Credit101’s policies and procedures applicable to the Case File and the online service;
● Applicable state and federal laws and regulations.
5. Access to Case Files
You authorize Credit101 to provide access to your Case File) through its online services. You
may access your Case File at (the “Client Website”) to
obtain account payment information, a sequential docket of services provided and notes made to
the file, credit report information received from you by Credit101 and input into your file, your
disputing instructions, and other information. To access a Case File through the online service
you must have a password and the required hardware and software. Subject to the terms of this
agreement and any separate written agreement(s), you will generally be able to access your Case
File through the Client Website seven days a week, 24 hours a day. Case File information is
posted to the file at the time work is completed on the Case File.
At certain times, the online services may not be available due to system maintenance or
circumstances beyond our control. During these times, you may call Credit101 at 1-800-658-
5612 or send an E-mail to to obtain information about your Case
File.
6. Ownership
The Website contains information, content or advertisements text, photographs, designs,
graphics, images, sound and video recordings, animation and other materials and effects
(collectively, the "Content") that are protected by copyrights, trademarks, service marks, trade
dress, patents or other intellectual or proprietary rights owned by Credit101 or other third parties.
All trademarks and copyrighted information contained on the Website are the property of their
respective owners. Further, Credit101 retains all rights (including intellectual property rights),
title and interest in the Website, technology, and all underlying technology and data including
any enhancements, software, applications and improvements related to the Website (the
"Technology")(the terms Content and Technology collectively will be referred to as the
"Materials"). You may not remove from any electronic or printed copy any copyright, trademark,
or other proprietary notice.
7. Use of Website and Materials
Credit101 provides the Website and the Materials for your individual, non-commercial use and
solely for the purpose of carrying out individual transactions with the Website. Any other use of
the Website or the Materials is strictly prohibited. You may not, either directly or indirectly:
● Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by
proxy the Website or Materials without the express written permission of Credit101 or
the applicable rights holder;
● Use the Materials for telemarketing, direct marketing, and commercial mass e-mail or by
agents or representatives or e-mail spammers;
● Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan,
sell, sublicense or transfer the underlying source code or structure or sequence of the
Technology or delete or alter author attributes or copyright notices;
● Use any network monitoring or discovery software to determine Website architecture, or
extract information about usage or users;
● Reformat or frame any portion of the Website or Materials;
● Use any device, software or routine that interferes with the proper working of the
Website, or otherwise attempt to interfere with the proper working of the Website;
● Take any action that imposes, or may impose in our sole discretion an unreasonable or
disproportionately large load on our infrastructure;
● Attempt to gain unauthorized access to other computer systems;
● Violate the Website Terms, applicable law or the rights of others; or disrupt or interfere
with the security of, or otherwise cause harm to, the Website.
Any permitted use of the Website does not extend to using the Website or Materials for any
illegal purpose, or to transmit to or through the Website or to or through any service any illegal,
harmful, threatening, defamatory, obscene, hateful, pornographic or other objectionable material
of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party
using the Website or Materials.
Without limiting other remedies, we may limit, suspend, or terminate our service and user
accounts, prohibit access to our website, remove hosted content, and take technical and legal
steps to keep users off the Website if we think that they are creating problems, possible legal
liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the
right to cancel unconfirmed accounts.
8. License
By using the Website, uploading content to or submitting any materials for use on the Website,
you grant (or warrant that the owner of such rights has expressly granted) Credit101 a perpetual,
royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt,
publish, translate, create derivative works from and distribute such materials and/or information
generated through use of the Website or incorporate such materials and/or information generated
through use of the Website into any form, medium, or technology now known or later developed
throughout the universe. We need these rights to host and display your content.
Anonymous, aggregate information that does not contain personally identifiable information,
comprising account information, or other available data that is collected through your use of the
Website, may be used or licensed by Credit101 for various purposes including but not limited to
conducting certain analytical research, performance tracking, benchmarking, helping to improve
products and services and to assist in troubleshooting and technical support.
9. Automated Activity
The Website may use robot exclusion methods, which include robots.txt files and HTML meta
tags, which expressly allow and/or exclude specified automated programs from accessing certain
portions of the Website. Much of the information on the Website is updated on a real time basis
and is proprietary or is licensed to Credit101 by our users or third parties. You agree that you
will not use any robot, spider, scraper or other automated means to access the Website for any
purpose, including but not limited to performing "offline" searches and mirroring, without our
express written permission as indicated in the then current robots.txt file or HTML meta tags on
the Website. Additionally, you agree that you will not bypass our robot exclusion methods or
other measures we may use to prevent or restrict access to the Website.
10. Linking
You may provide links only to the homepage of this Website, provided (a) you do not remove or
obscure, by framing or otherwise, any portion of the homepage, (b) you give Credit101 notice of
such link by sending an e-mail to and (c) you discontinue providing
links to this Website if requested by Credit101. If you wish to provide links to a section within
the Website, you should forward your request to Credit101 at and
Credit101 will notify you if, within its sole and unfettered discretion, permission is granted, and,
if so, the terms and conditions of the permission.
11. Representations
You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you
are providing us at all times true, accurate and up to date information about yourself, (c) you will
comply at all times with the Website Terms and applicable law and (d) your use of the Website
and any transactions that you make with us will not violate the rights of any third party.
Credit101’s services and Website, the underlying information, software and technology are
subject to U.S. export controls. None of the Website services or content may be downloaded, or
otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, North Korea,
Iran, Sudan, Syria or any other country subject to U.S. sanctions applicable to the export or re-
export of goods, (ii) to anyone on the U.S. Treasury Department’s List of Specially Designated
Nationals and Blocked Persons List, or the U.S. Commerce Department’s Denied Persons List,
Unverified List, Entity List or Nonproliferation Sanctions List. By using Credit101’s services
and Website, you agree to the foregoing and you represent and warrant that you are not located
in, under the control of, or a national or resident of any such country or on any such list, and that
you acknowledge you are responsible to obtain any necessary U.S. government authorization to
ensure compliance with U.S. law.
12. Disclaimer
Credit101 makes every effort to ensure the information presented in, on or through its Website is
accurate; however, Credit101 makes no guarantee as to such information, and is not responsible
for any resulting loss or damage.
13. Warranty, Liability, Indemnification
Credit101 makes no representations regarding the availability and performance of its Website.
You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at
your sole risk and that Credit101 shall not be liable for any loss of data, lost profits or any other
damages or losses resulting from such use.
THE WEBSITE AND MATERIALS ARE PROVIDED BY Credit101 ON AN "AS IS" BASIS
AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY
KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. Credit101
EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY,
ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND
THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS
WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER
IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT
THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE
RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE.
IN NO EVENT SHALL Credit101, ITS DIRECTORS, OFFICERS, EMPLOYEES,
AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY,
DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS
OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY
CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE
WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH
THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT
RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN
OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT
RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR
OTHERWISE. Credit101 SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES
WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do
not allow the exclusion or limitation of liability of consequential or incidental damages, so the
above exclusions may not apply to all users; in such states liability is limited to the fullest extent
permitted by law.
Credit101 DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION,
SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE
FREE OF VIRUSES, "WORMS", "TROJAN HORSES", OR THEIR HARMFUL
COMPONENTS. Credit101'S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE
REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY Credit101
SHALL BE CANCELLATION OF YOUR ACCOUNT.
14. Indemnity
You agree to indemnify, defend, and hold harmless Credit101, its officers, directors, employees,
agents, representatives, vendors and distributors from and against any and all claims, liabilities,
damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that such parties
may incur as a result of or arising from your (or anyone using your account’s) violation or breach
of any representation or obligation under the Website Terms. We reserve the right to assume the
exclusive defense and control of any matter otherwise subject to indemnification by you and, in
such case, you agree to cooperate with our defense of such claim.
15. Privacy
We may, subject to and in accordance with our Privacy Policy for marketing and other purposes,
collect, process and transmit certain data obtained from and about you in the course of your
accessing the Website or during a phone consultation, including information collected in the
course of an abandoned transaction. By agreeing to the Website Terms you agree to such data
being so used and further agree that it may be transmitted to others whether or not within the
United States in accordance with our Privacy Policy and under applicable privacy and data
protection legislation. Information on how and what type of data (if any) is held about you can be
obtained by clicking here to review our Privacy Policy or by contacting us.
16. Electronic Notices and Transactions
You agree to transact with us electronically. This means 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 also certify that
you are at least 18 years of age and have access to the Internet to receive Credit101’s services, to
request that Credit101 contact you about its credit repair services, to participate in Credit101’s
Text Message Program, and to view, print and retain all documentation. You authorize us to send
you important notices about the Website and any pending transactions to an email address you
provide to us, if you are a client of Credit101 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 Website or Credit101’s services. You can
retrieve and review the Website Terms at any time by visiting
and may receive paper copies by calling Credit101 at 1-800-658-5612.
17. Access
You are responsible for obtaining at your own expense all equipment and services needed to
access and use the Website, including all devices, Internet browsers and Internet access. If you
access the Website or a Website application through a mobile or wireless device, you are
responsible for all fees that your carrier may charge you for data, text messaging and other
wireless access or communications services.
18. Notice Regarding Technology
Your use of the Website must comply with all applicable laws in the territory in which you
access and use the Website.
19. Miscellaneous
Credit101 reserves the right to investigate complaints or reported violations of the Website
Terms and to take any action Credit101 deems appropriate 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, e- mail addresses, usage history, posted materials, IP addresses and traffic
information. Credit101 reserves the right to seek all remedies available at law and in equity for
violations of the Website Terms, including but not limited to the right to block access from a
particular Internet address to any Credit101 website. These incorporate by reference any notices
contained on the Website and constitute the entire agreement with respect to access to and use of
the Website, your request that Credit101 contact you about its credit repair services, and/or your
participation in Credit101’s Text Message Program. You agree that the provisions and covenants
set forth herein are reasonable. In the event that any provision or covenant of the Website Terms
shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction
for any reason, including but not limited to the scope thereof, then such provision will be severed
and replaced with a new provision that most closely reflects the original intention thereof, and
the remaining provisions of the Website Terms will remain in full force and effect for the
greatest time period and for the broadest scope permitted by applicable law. Without limiting the
foregoing, you agree and request that if any court or arbitrator of competent jurisdiction
considers any provision or covenant of the Website Terms to be overly broad based on the
circumstances at the time enforcement is requested, that such court or arbitrator construe and
enforce the provision or covenant to the fullest extent that such court or arbitrator deems
reasonable.
THE WEBSITE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF FLORIDA, USA, AS THEY APPLY
TO AGREEMENTS MADE SOLELY THEREIN, PROVIDED, HOWEVER, THAT THE
ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW. The Arbitration Clause, the
obligations in the first four paragraphs of the Website Terms, Sections 5 through 8, 10 through
15 and 17 through 20, shall survive termination of the Website Terms.
Credit101 shall not be deemed to have waived any rights or remedies in the Website Terms
unless such waiver is in writing and signed by Credit101. No delay or omission on the part of
Credit101 in exercising any rights or remedies shall operate as a waiver of such rights or
remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as
a waiver of any rights or remedies on future occasions.
The Website Terms constitutes the entire agreement and understanding between you and
Credit101, except as you and Credit101 may later agree in writing to modify the Website Terms.
The Website Terms supersedes any and all prior agreements and understandings, oral or written,
relating to the subject matter contained herein.
20. Confidentiality of Information / Creation of Attorney-Client Relationship
The information presented on the Website does not create an attorney-client relationship. ALL
ARTICLES AND MATERIAL DISPLAYED BY US ON THE WEBSITE ARE FOR
INFORMATION ONLY (EXCEPTING Credit101’S PRIVACY POLICY AND THE WEBSITE
TERMS, WHICH ARE BINDING CONTRACTS), ARE NO SUBSTITUTE FOR SPECIFIC
ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER
LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC
LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST
RETAIN LEGAL COUNSEL. Credit101 does not represent or guarantee the accuracy or
reliability of any advice, opinion, statement, or other information displayed or distributed
through the Website. You acknowledge that any reliance upon any such materials, opinion,
advice, statement, memorandum, or information shall be at your sole risk. Credit101 reserves the
right, in its sole discretion, to correct any errors or omissions in any portion of the Website.
Any information contained on the Website with respect to results obtained by Credit101 is not
meant to indicate that the same or similar results can or will be obtained in other cases or
situations. Results will vary depending on the facts and circumstances of each individual matter.
Prior results do not predict, warrant or guarantee a similar outcome. References to past or present
clients or the circumstances of their specific matters do not constitute testimonials or
endorsements by such clients, nor are they a guarantee, warranty or prediction of the outcome of
your legal matter.
Electronic mail or other communications through this site to Credit101 (or any of its lawyers,
other employees, agents or representatives) are not secure and are not subject to the attorney-
client privilege. Accordingly, Credit101 does not guarantee the confidentiality of such
communications. You acknowledge that transmissions to and from the Website are not
confidential and your communications may be read or intercepted by others. Any unprotected e-
mail communication over the Internet is subject to possible interception or loss, is not
confidential and is also subject to possible alteration. We are not responsible for and will not be
liable to you or any third party for damages in connection with an e-mail sent by you to us or an
e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who
use our services for any illegal purpose including but not limited to repeated unwanted emails or
“Spam,” may be prosecuted to the full extent of the law. You acknowledge that by submitting
communications to Credit101, no confidential, fiduciary, contractually implied or other
relationship is created between you and Credit101 other than pursuant to the Website Terms and
any subsequent written agreement entered into with Credit101.
You are solely responsible for (a) maintaining the confidentiality and security of your login
information, passwords, and any other security or access information used by you or anyone you
authorize on your behalf to access the Website and your account information, (b) preventing
unauthorized access to or use of the information, files, or data that you store or use in or with
Credit101’s Website, (c) all electronic communications, including account registration and other
account holder information, email and financial, accounting and other data entered using the
Credit101 Website, and (d) without limiting the foregoing, any and all activities that occur under
your account. Credit101 will assume that any communications received through the use of the
Credit101 Website was sent or authorized by you. You agree to immediately notify Credit101 if
you become aware of any loss, theft, or unauthorized use of the Credit101 Website or your
account information,
Please do not use the information on our Website to distribute unsolicited bulk e-mails,
solicitations or inquiries. The foregoing acts will constitute a violation of the Website Terms.
21. Use of Financial Application Services
Credit101’s Website will allow you access to third party provider services (“Provider Services”).
Credit101 has no control over the Provider Services or your access to the Provider Services.
Credit101 does not guarantee the Provider Services. By using the Provider Services, you
acknowledge Credit101 disclaims any and all liability whatsoever for any actions or inactions of
Provider Services.
Credit101 provides the Website for your convenience. You use and rely on the information
therein at your sole risk. Neither Credit101 nor any of its affiliates, third party providers,
partners, licensors, employees, distributors or agents is responsible or liable for, or makes any
representations or warranties as to the following, without limitation:
● Any representations, promises, recommendations or inducements that may be made by or
through any party (including vendors) found at, on, through or from the Website;
● The timeliness, accuracy, reliability, completeness, legality, copyright compliance or
decency of the Website;
● Any inaccuracy, omission, error or delay in the services offered on the Website;
● Non-performance of or interruption to the Website or its services due to (i) any act or
omission by any disseminating party, (ii) any force majeure or any other cause beyond
the control of any disseminating party, or (iii) outages, transmission quality or
malfunctions of telephone circuits or computer systems, including any defects or failures
with respect to your software computer systems or Internet access provider;
● Any loss resulting from, including any unauthorized access by a third party, arising out of
or related to your access and/or use of or interaction with the Website.