Terms of Service Agreement

Welcome to CreditProtector.com. Credit Protector LLC and/or its affiliates ("Credit Protector") provides various products and services related to consumer credit (collectively, “Credit Protector Services”). By using the Credit Protector Services, you agree, on behalf of yourself and all members of your household and others who use any Credit Protector Service under your account, to the following conditions.

This Terms of Service (“Terms”), along with our Privacy Notice, Refund Policy, and any terms that apply to the specific Credit Protector Services form a legally binding agreement with Credit Protector (our “Agreement”). Please read these conditions carefully, as they contain the terms and conditions for access to our websites, the use of various products and services (collectively, our “Offers”), and information about how we collect, process, and use your personal information. You agree to be bound by these Terms and enter into the Agreement by using the Credit Protector website, using any Credit Protector Services, or otherwise agreeing to be bound.

YOU ACKNOWLEDGE AND AGREE THAT CREDIT PROTECTOR LLC IS NOT A CREDIT REPAIR ORGANIZATION, CREDIT REPORTING AGENCY, CONSUMER REPORTING AGENCY, AND THAT WE DO NOT OFFER CREDIT REPAIR SERVICES OR PRODUCTS.

1. Scope.

These Terms govern your access and use of the Credit Protector website, your access to and use of Credit Protector Services, and your communications with Credit Protector.

2. Use of Credit Protector Services.

a. Description of Credit Protector Services.

Credit Protector charges a fee for various credit-related services including but not limited to: credit reports, credit scores, timely credit monitoring, and credit alerts (“Credit Services”). Credit Protector reserves the right to withdraw or amend its Offers in its sole discretion.

b. Personal Information.

By accessing and using this website and Credit Protector Services, you agree to Credit Protector processing your personal information in accordance with Credit Protector’s Privacy Policy. By providing us with personal information, you represent and warrant that such information is accurate and complete. YOU UNDERSTAND THAT IT MAY BE A VIOLATION OF LOCAL, STATE AND FEDERAL LAW FOR YOU TO OBTAIN A CREDIT REPORT FOR ANYONE OTHER THAN YOURSELF. ANY PERSON USING DECEPTION TO KNOWINGLY AND WILLFULLY OBTAIN A CONSUMER OR BUSINESS CREDIT REPORT, SCORE, OR CREDIT SERVICES MAY FACE CIVIL PENALTIES AND/OR CRIMINAL PROSECUTION.

c. Access to Credit Protector Services.

Credit Protector will not be liable for any reason if the Credit Protector Services become unavailable for any period.

d. License.

Subject to your compliance with this Agreement and other service-specific agreements, and your payment of any applicable fees, Credit Protector provides you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal and non-commercial use of the Credit Protector Services. This license does not include any resale or commercial use of any Credit Protector Service, or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of any Credit Protector Service or its contents; any downloading, copying, or other use of account information for the benefit of any third party; or any use of data mining, robots, or similar data gathering and extraction tools. All rights not expressly granted to you in this Agreement or service-specific agreements are reserved and retained by Credit Protector. No Credit Protector Service, nor any part of any Credit Protector Service, may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Credit Protector. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Credit Protector without express written consent. You may not use any meta tags or any other "hidden text" utilizing Credit Protector’s name or trademarks without the express written consent of Credit Protector. You may not misuse the Credit Protector Services. You may use the Credit Protector Services only as permitted by law. The licenses granted by Credit Protector terminate if you do not comply with this Agreement. You represent and warrant that your use of our services: (a) will be only for lawful purposes and in accordance with this Agreement; (b) will not violate any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the U.S. or other countries); (c) will not be used to impersonate or attempt to impersonate Credit Protector, a Credit Protector employee, another user or any other person or entity (including, without limitation, by using e-mail addresses or screen names associated with any of the foregoing); (d) will not restrict or inhibit anyone’s use or enjoyment of our services, or which, as determined by us, may harm Credit Protector or users of our services, or expose them to liability; (e) will not be in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of our services, including introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful; (f) will not infringe or misappropriate the intellectual property rights of Credit Protector or any third party; (g) will not disclose the personal information of others; (h) will not involve reverse engineering or otherwise attempt to derive the source code for our software or any related technology that is not open source; and (i) will not involve renting, leasing, loaning, selling, or reselling our services or related data without our consent.

e. Services Provided by a Third-Party.

Some of our services are provided by third-party providers (sometimes for an additional fee), so if you elect to use a third-party provided service, you understand that Credit Protector is not responsible for how such provider protects your personal information. Once you release your personal information to a third party, there are no controls, security, or protections that Credit Protector controls with that third party, so you will need to ensure that the third party will properly protect your personal information. Your use of these services is at your own risk.

f. Credit Services Generally.

Credit Services may include, among other things, the ability to (i) access your credit report(s) from one or more credit bureaus, (ii) obtain credit scores derived from your credit report data, (iii) obtain monitoring of selected credit data from your credit report and (iv) receive alerts regarding your credit information. Your enrollment in a service with Credit Services is dependent on the applicable credit bureau’s ability to find your credit data in their records using the personal information you provide to Credit Protector and successfully authenticating your identity during enrollment. If the applicable credit bureau(s) cannot find some or all your credit data, then the Credit Services may be incomplete or, in some cases, not available. THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReort.com or 877-322-8228, the only authorized source under federal law.

g. Credit Monitoring.

The credit monitoring service provided by Credit Protector monitors a user’s credit bureau data files for changes and alerts the subscriber to those changes. You may need to manually activate this feature. If a monitored event occurs, Credit Protector will attempt to electronically alert you by email and/or text. By agreeing to this Agreement, you acknowledge that not all changes will be monitored, including some that may involve the potential for fraudulent use of your identity or credit, and the type of services we provide to you may change from time to time.

h. Credit Score Simulations.

Credit Protector’s credit score simulations are hypothetical and do not guarantee increases or decreases in your credit score. Data entered into the simulator will not impact your actual credit score.

i. Identity Protection Monitoring.

Identity protection services may include one or more types of identity protection monitoring (“Protection Monitoring”). Depending on your service plan’s features, such Protection Monitoring may include monitoring of criminal records, dark web, social security number, change of address loan applications or other activities tied to your personal information that could signal a possibility of credit fraud or identity theft. You may need to manually activate your Protection Monitoring services. Protection Monitoring may be provided to you through third party providers. If a monitored event occurs, we will attempt to electronically alert you by email and/or text. Notwithstanding any Protection Monitoring, by agreeing to these Terms, you acknowledge that Credit Protector cannot monitor for all the possible ways your identity could be breached, and that Protection Monitoring cannot identify all the potential ways that your identity or credit could be fraudulently accessed or used. You further agree and acknowledge that the type(s) of Protection Monitoring we provide to you may change from time to time.

j. Fees for Services.

Our services generally require a fee to be paid by the user, including enrolling in our Service Plans, require the payment of a fee (“Paid Services”) billed in advance on a recurring, periodic basis (“Subscriptions”) or an up-front payment on a one-time basis. Subscriptions are billed monthly or annually, depending on what subscription plan you select when purchasing a Subscription. Payment will be charged to your chosen payment method at confirmation of purchase and at the start of every new billing cycle. Credit Protector reserves the right to change its fees for Paid Services from time to time as permitted by law. Current fee information for Paid Services can be found on the webpages where the Paid Services are offered.

k. Payment Information & Taxes.

All information that you provide in connection with a purchase or monetary transaction interaction with Credit Protector must be accurate, complete, and current. You agree to pay all charges incurred by users of your credit card, debit card, or other payment method used in connection with a purchase at the prices in effect when such charges are incurred. You will pay any applicable taxes, if any, relating to any such purchases, licenses, royalties, transactions, or other monetary transaction interactions. If your credit card, debit card, or other payment method changes, or if you prefer to use an alternate payment method, then you are responsible for updating the information by visiting your account settings or contacting Credit Protector customer service. Credit Protector reserves the right to: (a) verify that your payment method is authorized for fees prior to processing any purchase from you or automatic renewal for you; (b) access automatic updates of your payment method electronically from your bank provider; and (c) retry failed payments in order to fulfill your services payment obligation.

l. Automatic Renewal.

To ensure uninterrupted service, recurring subscriptions are automatically renewed. You must cancel a Subscription before the end of the applicable subscription period, or it will automatically renew, and you authorize us to use any payment mechanism we have on record for you or invoice you (in which case payment is due within 15 days) to collect the then-applicable subscription fee as well as any taxes. Your subscriptions will be renewed under the same period terms as your initial subscription period. The date for the automatic renewal is based on the date of the iniital purchase and cannot be changed. You can manage and cancel your Subscription through your account, or by contacting our customer service representatives.

m. Cancellation.

You can cancel your Paid Services at any time using any of the following methods: (a) contacting Credit Protector’s customer service by phone during regular business hours using the phone number on the Credit Protector website; or (b) when available, click the “cancel button” found in your account. Once your service has been cancelled, some features associated with the cancelled service, such as identity protection monitoring, credit monitoring and credit reports, will immediately be discontinued. CANCELLATION OF A SERVICE DOES NOT CANCEL YOUR WRITTEN FCRA AUTHORIZATION FOR CREDIT PROTECTOR TO CONTINUE TO ACCESS YOUR CREDIT INFORMATION IN ACCORDANCE WITH THESE TERMS. Accordingly, we may, at our sole discretion, continue to monitor your credit (at no additional fee to you) and we may alert you if a suspicious event occurs and/or notify you of special offers and opportunities that may be of interest to you arising from such credit monitoring.

n. Zero Refunds.

There are no refunds for cancellation. If Credit Protector suspends or terminates your account or our Agreement, you understand and agree that you will not receive a refund.

3. User Accounts.

a. Creating a User Account.

To gain access to and utilize certain features of our services, you are required to create an account with Credit Protector (“User Account”); and, in some cases, to enroll in one or more services or agree to purchase a service offering from Credit Protector. To create a User Account, you must, in addition to our other requirements, have a valid U.S. Social Security Number.

b. User Account Security.

If you are provided with any piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of this Agreement. If we believe your account has been compromised, we may suspend or disable it.

c. Identity Verification.

To ensure the security of our services, to comply with the law, and to protect the privacy and security of our customers’ information, we take steps to validate your identity before you are permitted to access and use certain parts of our services. You authorize us to collect, process, and share your personal information as we deem necessary to validate your identity. We reserve the right to deny access to and/or refuse to provide our services if you fail to provide information necessary to validate your identity.

d. Enrolling Multiple People.

If you are a member of a union, association, national organization, or an employer who has entered into an agreement with Credit Protector to provide a group benefit, you represent and warrant that: (i) you obtained the required information from each member submitted to Credit Protector for purposes of identification verification and enrollment into the applicable Credit Protector Services; (ii) to the best of your knowledge, each group member submitted to Credit Protector for purposes of identification verification and enrollment into any of Credit Protector’s services is who they represent themselves to be; (iii) you have a process which complies with all applicable law with respect to the identification and or validation of the identity of such group members, and (iv) prior to submitting any group member information to Credit Protector for purposes of identification verification and enrollment into any of Credit Protector’s services, you have received the necessary acceptable documents from such group member and verified the group member’s identity pursuant to a reputable and legally adequate verification process and/or as otherwise required by local, state, or federal law or regulation.

4. Legality of this Agreement.

You can use Credit Protector Services only if you are legally capable of entering into a binding (and therefore enforceable) contract with Credit Protector. You must be at least eighteen (18) years of age to be bound by this Agreement. You represent and warrant that you have the authority to enter into this Agreement, and fully understand that you must perform all of your obligations under this Agreement.

5. Disputes Involving this Agreement.

a. Choice of Law.

All disputes arising from this Agreement are governed by the laws of the state of Deleware, without regard to principles of conflict of laws.

b. Forum Selection.

All disputes arising from this Agreement are to be resolved solely and exclusively in the state of Deleware.

c. Initial Dispute Resolution.

You agree that before taking any formal legal action under our Agreement, you shall provide written notice to Credit Protector of the specific issue(s) in dispute, including reference to the relevant provision(s) of the Agreement which are allegedly being breached. Within thirty (30) days after such notice, representatives of each of the parties shall hold at least one meeting (in person or by video- or tele-conference) for the purpose of attempting, in good faith, to resolve the dispute. Notice should include both the mailing address and email address you would like Credit Protector to use to contact you. Notice should describe the nature and basis of the claim or dispute and set forth the specific amount of damages or other relief sought. Notice provided pursuant to this section shall be mailed to Credit Protector at: Credit Protector, Attn: Legal, 16192 Coastal Highway Lewes, DE 19958.

d. Binding Arbitration.

The parties agree to Arbitration as described in this section:

1. If the parties do not reach an agreed-upon solution within a period of 30 days from the time informal dispute resolution begins under the Initial Dispute Resolution provision set forth in Section 11.2, then either party may initiate binding arbitration as the sole means to resolve claims, subject to the terms set forth below. Specifically, all claims arising out of or relating to our Agreement (including their formation, performance, and breach), the parties’ relationship with each other and/or use of the Credit Protector Services shall be finally settled by binding arbitration administered by the JAMS Comprehensive Arbitration Rules and Procedures or pursuant to JAMS’ Streamlined Arbitration Rules and Procedures, as appropriate (the “JAMS rules”). The JAMS Rules and Forms are available online at www.jamsadr.com.
2. Except as set forth in Section 5(d)(ix), the arbitrator, and not any federal, state or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability or formation of our Agreement, including, but not limited to any claim that all or any part of these Terms are void or voidable, whether a claim is subject to arbitration, and any dispute regarding the payment of JAMS administrative or arbitrator fees (including the timing of such payments and remedies for nonpayment). The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The parties agree that the arbitrator may allow the filing of dispositive motions if they are likely to efficiently resolve or narrow issues in dispute. The arbitrator’s award shall be in writing and binding on the parties and may be entered as a judgment in any court of competent jurisdiction. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration.
3. Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules. You are required to pay JAMS’ initial filing fee, but Credit Protector will reimburse you for this filing fee at the conclusion of the arbitration to the extent it exceeded the fee for filing a complaint in a federal or state court in your county of residence or in Sussex County, DE. Credit Protector will not seek to recover the administration and arbitrator fees we are responsible for paying under the JAMS Rules unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure).

1. Any arbitration demand or counterclaim asserted by either party must contain sufficient information to provide fair notice to the other party of the asserting party’s identity, the claims being asserted, and the factual allegations on which they are based, and the arbitrator and/or JAMS may require amendment of any demand or counterclaim that does not satisfy these requirements. The arbitrator has the right to impose sanctions in accordance with JAMS Rules for any claims the arbitrator determines to be frivolous or improper (under the standard set forth in Federal Rule of Civil Procedure 11).
2. The parties agree that JAMS has discretion to modify the amount or timing of any administrative or arbitration fees due under the JAMS Rules where it deems appropriate, provided that such modification does not increase the costs to you, and you waive any objection to such fee modification. The parties also agree that a good-faith challenge by either party to the fees imposed by JAMS does not constitute a default, waiver, or breach of this Section 11.3 while such challenge remains pending before JAMS, the arbitrator, and/or a court of competent jurisdiction.
3. The parties understand that, absent this mandatory provision, they would have the right to sue in court and have a jury trial. They further understand that, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court.
4. Arbitration shall take place in Sussex County, Delaware unless another location is mutually agreed to by the parties.
5. The parties further agree that any arbitration shall be conducted in their individual capacities only and not as a class action or other representative action, and the parties expressly waive their right to file a class action or seek relief on a class basis. YOU AND CREDIT PROTECTOR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If there is a final judicial determination that applicable law precludes enforcement of this Section’s limitations as to a particular remedy, then that remedy (and only that remedy) must be severed from the arbitration and may be sought in court. The parties agree, however, that any adjudication of remedies not subject to arbitration shall be stayed pending the outcome of any arbitrable claims and remedies.
6. Exception: Notwithstanding the parties’ decision to resolve all disputes through arbitration, either party may bring an action in state or federal court to protect its intellectual property rights (where “intellectual property rights” means patents, copyrights, moral rights, trademarks, and trade secrets, but not privacy or publicity rights), except that the determination of the intellectual property rights in Feedback shall not be exempt from arbitration.
7. You have the right to opt-out and not be bound by the arbitration and class action waiver provisions set forth above by sending written notice of its decision to opt-out to the following address: Credit Protector, Attn: Legal, 16192 Coastal Highway Lewes, DE 19958. The notice must be sent within 30 days of your agreement to this Agreement. Otherwise, you shall be bound to arbitrate disputes in accordance with the terms of this Section. If you opt-out of these arbitration provisions, Credit Protector also will not be bound by them.

6. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY.

THE CREDIT PROTECTOR SERVICES AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT PROTECTOR SERVICES ARE PROVIDED BY CREDIT PROTECTOR ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. CREDIT PROTECTOR MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE CREDIT PROTECTOR SERVICES, OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT PROTECTOR SERVICES, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THE CREDIT PROTECTOR SERVICES IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY LAW, CREDIT PROTECTOR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CREDIT PROTECTOR DOES NOT WARRANT THAT THE CREDIT PROTECTOR SERVICES, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT PROTECTOR SERVICES, CREDIT PROTECTOR SERVERS OR ELECTRONIC COMMUNICATIONS SENT FROM CREDIT PROTECTOR ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE FULL EXTENT PERMISSIBLE BY LAW, CREDIT PROTECTOR WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF ANY CREDIT PROTECTOR SERVICE, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH ANY CREDIT PROTECTOR SERVICE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.

7. Data Security and Privacy.

a. Personal Information Acknowlegement.

You acknowledge and agree that Credit Protector may use your personal information in accordance with the Credit Protector Privacy Notice. By accessing and using Credit Protector Services, you will disclose, provide, authorize us to collect and process on your behalf, or otherwise make available to us certain information pertaining to you and your use of the Credit Protector Services. You grant Credit Protector a worldwide, royalty-free, non-exclusive license to host and use any such information to provide our services and as otherwise described in these Terms and the Privacy Notice. By submitting your personal information to us, you represent that you have all necessary rights and hereby grant us the aforementioned license. In addition, by enrolling in certain services or registering for an account, you expressly authorize Credit Protector to access your personal information (including but not limited to information pertaining to your credit history, credit score, and identity) maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose such information to us.

b. Authorization to Obtain Credit Information.

By requesting Credit Protector to provide you with Credit Information, you understand and agree, and hereby authorize, Credit Protector to request and receive information about you from third parties, including but not limited to a copy of your consumer credit report and score from consumer reporting agencies, at any time for so long as you have an active account with Credit Protector. You further authorize Credit Protector to retain a copy of your information for use in accordance with this Agreement and our Privacy Notice. Your authorization constitutes “written instructions” in accordance with the Fair Credit Reporting Act ("FCRA") and other applicable law. Credit reports provided from Credit Protector are not intended to constitute the disclosure of Experian®, Equifax®, or TransUnion® information required by the FCRA or similar state laws.

c. Credit Scores.

Credit Services may include access to your personal credit score(s) or for our business service plans, your business credit score(s) from a third-party provider such as FICO®, VantageScore® or others (each, a “Credit Score Provider”). Credit scores are available in the marketplace using many types of mathematical models. These models generally calculate a score based on information found in your personal credit report data file at the date and time the report data is accessed (a “Credit Score”). Credit Protector does not have its own model to determine your Credit Score, and instead obtains your Credit Score from Credit Score Providers. Each Credit Score Provider has its own proprietary model(s) for calculating your Credit Score and thus Credit Scores may differ based on the model(s) used. More information about the Credit Score Providers and your Credit Scores available in Credit Protector’s Credit Services (such as FICO®, or VantageScore ®) can be found on our website. When you use services to access your Credit Score(s), you agree and understand that; (i) your Credit Scores may be stored and accessible for a limited time, (ii) your Credit Scores may not be available to you after you cancel your subscription, and (iii) Credit Protector is not responsible for the information, accuracy or content used to create your Credit Score.

8. Electronic and Telephonic Communications.

When you use Credit Protector services, or send e-mails, text messages, and other communications to us, you may be communicating with us electronically or by telephone. You consent to receive communication from us electronically, such as e-mails, texts, and mobile push notices. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. We may record phone calls for quality assurance and fraud prevention purposes. You agree that Credit Protector may monitor and record telephone and electronic communications with you at any time, without notice.

9. Intellectual Property.

a. Copyright.

All content included or made available through any Credit Protector service or on the Credit Protector website such as text, graphics, logos, button icons, images, audio clips, digital downloaded, data compilations, and software is the property of Credit Protector and is protected by United States and international copyright laws. The compilation of all content included in or made available through any Credit Protector service is the exclusive property of Credit Protector and is protected by United States and international copyright laws.

b. Trademarks.

All Credit Protector graphics, logos, page headers, button icons, scripts, and service names included in or made available through any Credit Protector service are trademarks or trade dress of Credit Protector in the United States and other countries. Credit Protector’s trademarks and trade dresses can not be used in connection with any product or service that is not Credit Protector’s, in any manner that is likely to cause confusion among customers, or in any matter that disparages or discredits Credit Protector.

c. Patents.

Patents owned by Credit Protector apply to the Credit Protector Services and to the features and services accessible via the Credit Protector Services. These patents are protected by United States and international patent laws.

10. Miscellaneous.

a. Sanctions and Export Policy.

You may not use any Credit Protector Services if you are the subject of U.S. sanctions or of sanctions consistent with U.S. law imposed by the governments of the country where you are using Credit Protector Services. You must comply with all U.S. or other export and re-export restrictions that may apply to goods, software, technology, and services.

b. Association with Third-Parites.

The Credit Protector website may contain links or be linked to by third-party websites, entities, or marketing campaigns that are not owned or controlled by Credit Protector. Credit Protector does not endorse or assume any responsibility for any such third-party, and if you understand that this Agreement does not apply to your use on such third-party’s website. You agree that Credit Protector shall not be responsible for any loss or damage relating to your dealings with such third-parties. Credit Protector communications are considered part of our services. By providing your cell phone number and other contact information to Credit Protector, you authorize Credit Protector to communicate with you by using, but not limited to, the previously listed methods. Credit Protector shall not be liable for any charges incurred by you associated with Credit Protector communications.

c. Amendments.

Credit Protector may amend and update these Terms from time to time in its sole discretion. All changes are effective immediately when we post them on our website, and apply to all access to and use of our services thereafter.

d. Entire Agreement.

Both parties agree that this Agreement is the complete and exclusive statement of the mutual understanding of the parties and supersedes and cancel all previous written and oral agreements, communications and other understandings relating to the subject matter of this Agreement.

e. Waiver.

Except as otherwise set forth in these Terms, no failure to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these Terms shall operate or be construed as a waiver thereof; nor shall any single or partial exercise of any right, remedy, power, or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.

f. Assignment.

You may not assign any rights or obligations it has under our Agreement without Credit Protector’s prior written consent. This Agreement is binding upon and inure to the benefit of the parties and their respective successors and assigns.

g. Severability.

If any part or provision of this Agreement is declared fully or partially invalid, unlawful or unenforceable by a court of competent jurisdiction, the remainder of the part or provision and the Agreement will remain in full force and effect, if the essential terms and conditions of these Terms for each party remain valid, binding and enforceable.

h. Relationship of the Parties.

These Terms will not establish any partnership, joint venture, employment, franchise, or agency relationship between you and Credit Protector. Neither you nor Credit Protector will have the power to bind the other or incur obligations on the other’s behalf without the other’s prior written consent, except as otherwise expressly provided herein.

i. Force Majeure.

Neither party will be liable to the other for any delay or failure to perform any obligation under these Terms if the delay or failure is due to events which are beyond the reasonable control of such party, such as a strike, blockade, war, act of terrorism, pandemic, riot, natural disaster, failure or diminishment of power or telecommunications or data networks or services, or refusal of a license by a government agency.

j. Notice Pursuant to the Fair Credit Reporting Act.

The Fair Credit Reporting Act (“FCRA”) permits consumers to dispute inaccurate information in their credit report without charge. You do not have to purchase your credit report or other information from Credit Protector to dispute inaccurate or incomplete information in your credit file maintained by Experian®, Equifax®, or TransUnion®.

k. State-Specific Notice.

Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may receive an additional free copy of their credit report once per year and residents of the state of Georgia may receive two (2) additional copies per year. For Illinois residents, credit reporting agencies are required by law to give you a copy of your credit record upon request at no charge or for a nominal fee.

11. Web Scraping Prohibition.

Under no circumstances can any individual, entity, or software program scrape, crawl, or otherwise manipulate data through automated queries (including but not limited to screen and database scraping, spiders, robots, crawlers, bypassing “captcha” or similar precautions) from this website or any of its associated web pages.

You may contact Credit Protector customer service during our regular business hours excluding certain

U.S. holidays by emailing address below:

Credit Protector:support@creditprotector.com