TERMS & CONDITIONS
Dr. Credit, Inc. maintains this site for information and communication purposes. This webpage contains the Terms of Use governing your access to and use of the Dr. Credit, Inc. (the "Website" or "Site"). If you do not accept these Terms of Use or you do not meet or comply with their provisions, you may not use the Website. YOU AGREE THAT BY USING THE SERVICE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD AND THAT YOU ARE LEGALLY ABLE TO ENTER INTO THIS AGREEMENT.
A. TERMS APPLICABLE TO ALL USERS
OVERVIEW
By using the information, tools, features and functionality located on https://drcredit.club/ (together the "Service"), you agree to be bound by this Agreement, whether you are a "Visitor" (which means that you simply browse the https://drcredit.club/ website) or you are a "Member" (which means that you have registered with https://drcredit.club/). The term "you" or "User" refers to a Visitor or a Member. The term "we" refers to Dr. Credit, Inc. If you wish to become a Member, communicate with other Members and make use of the Service, you must read this Agreement and indicate your acceptance during the Registration process.
You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with Dr. Credit, Inc.
If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.
CHANGES TO TERMS
Dr. Credit, Inc. may, at any time, for any reason and without notice, make changes to (i) this Website, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Website. Any modifications will take effect when posted to the Website. Therefore, each time you access the Website, you need to review the Terms of Use upon which access and use of this Website is conditioned. By your continuing use of the Website after changes are posted, you will be deemed to have accepted such changes.
DESCRIPTION OF SERVICES
The Service is a personal finance information management service focused on finding prequalified loan options for the consumer, tracking and collecting consumer information, including but not limited to, credit score, loan and credit card monthly payment, total amount and interest rates, and home value, and product information, such as loan, eligibility, and requirement information from major banks. Based on this information collection, consumer is presented with a view of his/her current key financial figures in assets, debt and credit areas of personal finance, as well as, top loan and financing recommendations personalized to consumers profile and preferences using our proprietary technology and analytics, which information, alerts and updates may be presented to Members in the form of
periodic emails.
The service is provided to you free of charge and is meant as an aid to assist you with finding better financing options to manage your personal finances. It is not intended to provide, legal, tax or financial advice. Dr. Credit makes no representations regarding the frequency with which it updates member data and may at its discretion temporarily stop or permanently discontinue updating member data at anytime.
PRIVACY SURROUNDING YOUR PERSONAL INFORMATION
For information about our privacy policy and data security practices, please read our Privacy and Security Policy, which hereby is incorporated in this Agreement. The policy explains how Dr. Credit treats your personal information when you access the Service. The privacy policy can be updated from time to time. If updates are made, the changes will be affective upon posting the edited Privacy and Security Policy on our website.
JURISDICTION
The Website is directed to those individuals and entities located in the United States. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Website and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Website. Dr. Credit, Inc. makes no representation that the information, opinions, advice or other content on the Website (collectively, "Content") is appropriate or that its products and services are available outside of the United States. Those who choose to access this Website from other locations do so at their own risk and are responsible for compliance with applicable local laws.
PATENT INFORMATION
Technologies and processes embodied or used by this site are covered under one or more patent pending filed by Dr. Credit, Inc. with the United States Patent Trademark Office.
COPYRIGHTS
The materials at this Site, as well as the organization and layout of this site, are copyrighted and are protected by United States and international copyright laws and treaty provisions. You may access, download and print materials on this Website solely for your personal and non-commercial use; however, any print out of this Site, or portions of the Site, must include Dr. Credit's copyright notice. No right, title or interest in any of the materials contained on this Site is transferred to you as a result of accessing, downloading or printing such materials. You may not copy, modify, distribute, transmit, display, reproduce, publish, license any part of this Site; create derivative works from, link to or frame in another website, use on any other website, transfer or sell any information obtained from this Site without the prior written permission of Dr. Credit, Inc.
Except as expressly provided under the "Scope of Use" Section above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Website without the prior written permission of Dr. Credit, Inc. You may not use a part of this Website on any other Website, without Dr. Credit, Inc.'s prior written consent.
TRADEMARKS
Dr. Credit (including Dr. Credit logo) and https://drcredit.club/ or all other related logos are trademarks of service marks of Dr. Credit. Other company product and service names and logos used and displayed on this Site may be trademarks or service marks owned by Dr. Credit or others. You may not use, copy, display, distribute, modify or reproduce any of the Dr. Credit Trademarks found on the Site except in accordance with written authorization by us.
OPTING-OUT; TERMINATION OF ACCOUNT
We allow you to stop receiving our commercial and marketing emails at any time by following the unsubscribe instructions included in these emails or you can contact us at [email protected], as set forth in our Privacy Policy. You will still receive periodic transactional emails pertaining to account information, alerts and updates, as well as registration confirmation and responses to direct requests you have made. If you wish to stop receiving such periodic transactional emails, you may notify us that you wish to delete your account by following one of the two steps below. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Website, you warrant to Dr. Credit, Inc. that you will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Website in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS .
ACCOUNTS AND SECURITY
Dr. Credit, Inc. does not warrant that the functions contained in the service provided by the Website will be uninterrupted or error-free, that defects will be corrected or that this service or the server that makes it available will be free of viruses or other harmful components.
As part of the registration process, each user will select a password ("Password") and Login Name ("Login Name"). You shall provide Dr. Credit, Inc. with accurate, complete, and updated Account information. Failure to do so shall constitute a breach of this Terms of Use, which may result in immediate termination of your Account.
You may not:
a. ) select or use a Login Name of another person with the intent to impersonate that person;
b. ) use a name subject to the rights of any other person without authorization;
c. ) use a Login Name that Website, in its sole discretion, deems inappropriate or offensive.
You shall notify Dr. Credit, Inc. of any known or suspected unauthorized use(s) of your Account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password. You shall be responsible for maintaining the confidentiality of your password. Dr. Credit, Inc. shall not be liable for any loss that you incur as a result of someone else using your password, either with or without your knowledge.
Any fraudulent, abusive, or otherwise illegal activity may be grounds for termination of your Account, at Dr. Credit, Inc.'s sole discretion, and you may be reported to appropriate law-enforcement agencies.
C. ADDITIONAL TERMS APPLICABLE TO OPTIONAL PAID PRODUCTS AND/OR SERVICES
You understand that by accepting these Terms and Conditions you are providing "written instructions" to Dr. Credit, Inc. its contracted data providers, agents, and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services and/or services to you. You agree and hereby authorize Dr. Credit, its contracted data providers, agents, and its Clients and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time. You waive any and all claims against Dr. Credit, Inc. its contracted data providers, agents, and its Clients and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. You further authorize Dr. Credit, Inc., its contracted data providers and its agents and employees to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the Services and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.
While enrolling for the Services and/or services, we will ask you for the following types of information: contact information (such as name, address, phone number, and e-mail address); sensitive information (such as date of birth, driver's license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our products and services, and to fulfill our obligation to provide our products and services to you, including communicating with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, credit bureaus, payment validation companies, law enforcement agencies, or others.
You agree that you will use the Services and/or services to protect against or prevent actual fraud, unauthorized transactions, claims or other liabilities.
Payments: Some products, such as credit and/or identity theft protection products and services require payment via a valid credit or debit card. By purchasing such products and services and providing payment information, you represent that you are authorized to utilize the payment method presented. Furthermore, you agree and authorize us to: (i) submit a transaction using the card information provided, (ii) in the case of automatic recurring transactions, submit a transaction on a monthly or annual basis for membership renewals, and if necessary (iii) obtain automatic updates for cards provided to us.
Cancellations: You may cancel your subscription at any time by logging in to your account and calling the number listed at the top of the page.
Other: Please note that you are responsible for any applicable state, federal, or other taxes associated with your purchase unless noted otherwise and we may collect all applicable sales taxes.
Contact us: If you would like to request additional information regarding these Terms of Use, please contact us by e-mail [email protected]
