1.       I understand that NC Credit Repair will give me their personal advice on how to raise and improve my credit score only.   All advice is to this ends only.  All strategies presented are for this ends only.

2.       I understand that the advice given is based on a snapshot of my current situation and the current laws regulating credit bureaus, collection companies, credit companies, and credit repair companies.  I follow the advice of my own accord and if I do not understand the advice given I will check with the proper legal or financial counselor before acting.  I waive my right to take any legal action against  NC Credit Repair or any of it's owners, employees, or affiliates for following the given advice.

1. We agree to provide you access to The Site in accordance with the Terms of Use.

2. You agree to use The Site in a manner consistent with the Terms of Use and all applicable rules and regulations. You acknowledge that you have read the Terms of Use and that you accept the terms thereof. You agree to read these Terms of Use carefully before using The Site. If you do not agree to the Terms of Use, you may not access or otherwise use The Site.

3. You accept that The Site is provided on an “as is, as available” basis.

4. The materials included in The Site are for general information purposes only and do not constitute legal advice. They are not intended to be a substitute for obtaining legal advice from our legal counsel. ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE SITE ARE FOR INFORMATION ONLY, ARE NOT A SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR SUBSTITUTE THEREFORE. NC Credit Repair does not represent or endorse the accuracy or the reliability of any advice, opinion, statement, or other information displayed or distributed through The Site. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. NC Credit Repair reserves the right in its discretion, to correct any errors or omission in any portion of The Site.

5. YOUR ACCESS TO AND USE OF THE SITE MAY BE TERMINATED AT ANY TIME FOR ANY REASON OR FOR NO REASON BY US BY THE SENDING OF NOTICE TO THE OTHER PARTY.

7. The Site is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other copyright laws. You are authorized to download one copy of the material displayed or performed on the Site on one computer for your personal non-commercial use only, but you may not in so doing remove or amend any trademark, copyright or other proprietary notice. All materials contained on The Site are protected by copyright, and are owned or controlled by NC Credit Repair or any party credited as the provider of the Content. You will abide by any and all additional copyright notices, information, or restrictions contained in any Contents on The Site. Permission is given to view the material on these web pages and save that material only for your personal reference. Copying or storing of any content for other than personal, noncommercial use is expressly prohibited without the prior written permission from NC Credit Repair or the copyright holder identified in the individual Content’s copyright notice.

8. Subject to the above, you may not modify, copy, distribute, republish or upload any of the material on The Site in any way unless you obtain the prior written consent of NC Credit Repair. No intellectual property or other rights shall be transferred to you through your use of The Site. We are not able to confirm that the materials contained on these web pages are correct in every case. NC Credit Repair reserves the right to make changes to The Site, including the availability of any feature, database, content, web page materials, product information and prices on The Site at any time without notice of liability. NC Credit Repair may also impose limits on certain features and services or restrict your access to parts or all of The Site without notice or liability.

9. You represent, warrant and covenant that: (a) you shall not upload, post or transmit to or distribute or otherwise publish through The Site any materials which (i) restrict or inhibit any other user from using and enjoying The Site, (ii) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, (iii) constitute or encourage conduct which would constitute a criminal offense, give rise to civil liability or otherwise violate law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, rights of privacy or publicity or any other proprietary right, (v) contain a virus or other harmful component, (vi) contain any information, software or other material of a commercial nature, (vii) conduct advertising of any kind, or (vii) constitute or contain false or misleading indications of origin or statements of fact; and (b) that you are at least eighteen (18) years old.

11. You hereby represent and warrant that you have all necessary rights in and to all Postings you provide and all material they contain and that such Postings shall not infringe on any proprietary or other rights of third parties. By posting messages, uploading files, inputting data or engaging in any other means of communication (individually or collectively “Communications”) to The Site, you hereby grant to NC Credit Repair, subject to our privacy policy, a perpetual, worldwide, irrevocable, unrestricted, exclusive, royalty free license to use, copy, license, sublicense , adapt, distribute, display, publicly perform, reproduce, transmit, modify, edit and otherwise exploit such Communications, in all media known or hereafter developed. You hereby waive all rights to any claim against NC Credit Repair from any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights and rights of attribution in connection with such Communications.

12. You acknowledged that transmissions to and from The Site are not confidential and your Communications may be read or intercepted by others. Any unprotected e-mail communications 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 designated at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted e-mails or “Spam”, may be prosecuted to the full extent of the law.” You acknowledge that by submitting Communications to NC Credit Repair, no confidential, fiduciary, contractually implied or other relationship is created between you and NC Credit Repair other than pursuant to these Terms of Use and any subsequent written agreement entered into with NC Credit Repair.

13. THE SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE IS PROVIDED “AS IS, AS AVAILABLE” TO THE FULLEST EXTENT PERMISSIBLE BY LAW. NC Credit Repair AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LICENSE TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. FURTHER, NC Credit Repair AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NC Credit Repair DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED, ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NC Credit Repair AND ITS SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE FOR THE USE OF THE SITE, INCLUDING WITHOUT LIMITATION, THE CONTENT AND ANY ERROR CONTAINED THEREIN. FURTHER, IN NO EVENT WILL NC Credit Repair BE LIABLE FOR ANY LOSS OF PROFITS, BUSINESS, USE OF DATE OR FOR INDIRECT, SPECIAL, INCIDENTAL NEGLIGENCE OR OTHER TORT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS. WE, ON BEHALF OF OUR EMPLOYEES, AGENTS, SUPPLIERS AND CONTRACTORS DISCLAIM AND EXCLUDE LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF PROPERTY, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OF LOSSES ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS, THE SITE OR ANY WEBSITE WITH WHICH IT IS LINKED, YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY.

14. You hereby agree to indemnify, defend and hold NC Credit Repair, and all its officers, directors, owners, agents, employees, information producers, affiliates, licensors and licensees (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties 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. NC Credit Repair 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 written consent of NC Credit Repair.

15. Where we provide hypertext links from or to third party sites, we do so for convenience and information purposes only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to the Website, the content of these sites, the third parties named therein, their products, resources or services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking, and we accept no liability nor make endorsement or approval of the same.

16. These Terms of Use contain the entire understanding between us with respect to The Site and representation, statement, inducement oral or written, not contained herein shall not bind either of them. NC Credit Repair reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time. Notification of changes in these Terms of Use will be posted on The Site.

17. Should any part of the Terms of Use be 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.

18. The Site, any information provided from it and the Terms of Use are given and made in the State of Maryland, United States of America. THIS TERMS OF USE AGREEMENT SHALL BE GOVERNED AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF MARYLAND WITH REGARD TO CONFLICTS OF LAWS, PROVISIONS, SOLE AND EXCLUSIVE JURISDICTION AND 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 HARFORD COUNTY IN THE STATE OF MARYLAND.

19. Pursuant to Federal Law, we are providing the following separate written statement for your review and to acknowledge receipt thereof, which, pursuant to the requirements of Federal law, will also be delivered with any contract for credit repair services entered into with NC Credit Repair.

20. Disclosure Statement Required Pursuant to Federal Law.

Consumer Credit File Rights Under State and Federal Law.

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” company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankrupt information can be reported for 10 years.