1. WHAT YOU SHOULD KNOW & HOW CHANGES CAN BE MADE
The primary goal of this website is to provide you with access to information about Credit Renew's businesses, facilities, services, products, and related links to meet your needs with respect to these businesses, facilities, services and products (the "Content"). These Terms are meant to protect all of the visitors to and users of this website, and your access to and use of this website signifies your agreement with these Terms.
DO NOT USE THIS WEBSITE IF YOU DO NOT AGREE WITH THESE TERMS.
Credit Renew reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms, or to change or delete any features of this website, at any time. Such modifications, alterations, and updates to the Terms shall be effective immediately upon posting. You agree to be bound by such modified, altered and updated Terms if you access or use this Web Site after Credit Renew has posted notice of such modifications, alterations or updates.
IF YOU DO NOT AGREE WITH ANY OF THE MODIFIED, ALTERED OR UPDATED TERMS, THEN YOU SHOULD NOT USE THIS WEBSITE AFTER SUCH MODIFICATIONS, ALTERATIONS OR UPDATES HAVE BEEN POSTED.
You should note that these Terms contain additional disclaimers and limitations on Credit Renew's liability, which can be found in Sections 9 and 10 below. Please read these carefully and make sure that you understand them before continuing with your use of this website.
3. USE OF THIS WEBSITE & INTELLECTUAL PROPERTY RIGHTS
Credit Renew controls and (either itself and/or through its third-party hosts) operates this website. All Content on this website, including, but not limited to, text, images, illustrations, graphics, logos, digital downloads, data, software, headers, icons, scripts, audio clips, and video clips, is the property of Credit Renew or its Providers, and is protected by copyrights, trademarks, service marks, and/or other intellectual property rights (which are governed by and subject to United States and international copyright laws and treaty provisions, privacy and publicity laws, and communication regulations and statutes). The Content is owned and controlled by Credit Renew, its affiliated or related entities, or the Providers that have licensed or otherwise made available their content or the right to market their products and/or services to Credit Renew. Content on this website or any website owned, operated, licensed or controlled by the Providers is solely for your personal, non-commercial use, and may not be used in any manner that is likely to cause confusion among Credit Renew's customers, other users of this website, or the general public. You agree to abide by all additional copyright notices, information, or restrictions contained in or with any Content.
You may download or make a single copy of any Content contained on this website solely for your personal, non-commercial use, consistent with these Terms, provided that you maintain all copyright and other notices contained in or with such Content. Except as otherwise specified above, you may not copy, reproduce, duplicate, republish, upload, post, transmit, distribute, sell and/or exploit the Content in any way (including by email or other electronic means) for commercial use without the prior written consent of Credit Renew or the Providers. You may request consent by sending a request to Credit Renew's Legal Department at email@example.com
Your modification of the Content, use of the Content on any other linked website or networked computer environment, or use of the Content for any purpose other than personal, non-commercial use, without the prior written consent of Credit Renew or the Providers, violates the intellectual property rights and proprietary rights of the Content owners and is strictly prohibited.
You may not use any registered or unregistered trademarks, service marks, copyrighted materials or other proprietary information or intellectual property appearing on this website, including, but not limited to, any logos, images or characters, and also including any meta tags or similar code or hidden text or elements containing such information or property, without the express written consent of the owner of the mark or copyright. You may not frame any trademarks, service marks, copyrights, logos, images, text, or other proprietary information or intellectual property of Credit Renew, or otherwise incorporate into another website any of the Content or other materials on this website, without Credit Renew's express prior written consent. You may not deep link to any page of portions of this website without Credit Renew's prior written consent. You may, however, create or provide a hypertext link or hyperlink to the home page of this website provided that you do not make or attribute to Credit Renew, its affiliated or related entities or Providers any false, misleading, defamatory, libelous, derogatory, or offensive statements. Any such link cannot include any logos, graphics or trademarks of Credit Renew, its affiliated or related entities or Providers without Credit Renew's express prior written consent.
Violation of trademark and copyright laws ("Infringement") may result in significant civil liability or criminal penalties under United States and/or international copyright and trademark laws. You recognize that any reproduction or use of Content, copyrights, trademarks, service marks, or other intellectual property on this website, except as authorized by these Terms, is considered intentional Infringement.
Notice and Procedure for Making Claims of Copyright Infringement
If you believe that your work has been copied and posted on this website in a way that constitutes copyright infringement, please provide Credit Renew's Agent for Notification of Claims of Copyright Infringement the information specified below.A description of the copyrighted work that you claim has been infringed;A description of where the material that you claim is infringing is located on the website;Your address, telephone number, and email address;A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf; andAn electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest.
4. USER'S RESPONSIBILITIES
You warrant and represent to Credit Renew that you will not use this website for any purpose that is unlawful, illegal or prohibited by these Terms, including, without limitation, the sending, posting, transmitting, displaying, distributing, or knowingly receiving of or searching for any threatening, harassing, libelous, defamatory, obscene, scandalous, inflammatory, sexually oriented, pornographic, or profane material, content or images, or other images, content or messages that might be considered lewd, lascivious, excessively violent or otherwise offensive. If you violate any of these Terms, your permission to use this website immediately terminates without the necessity of any notice. Credit Renew, at its sole discretion, retains the right to deny access to this website to anyone for any reason, including for violation of these Terms. Some of these types of violations are more fully described below in Section 5.
You agree that any Information that you provide will be true, accurate, current and complete. If you provide any Information that is untrue, inaccurate, not current or incomplete (or Credit Renew has reasonable grounds to suspect that such Information is untrue, inaccurate, not current or incomplete), Credit Renew has the right to suspend or terminate your access and activity relating to, and to refuse any and all current or future use of, this website.
5. PROHIBITED ACTIVITIES
You are specifically prohibited from any use of this website, and you agree not to use or permit others to use this website, for any of the following:(a) take any action that imposes an unreasonable or disproportionately large load on, or waste of valuable time for, the website's infrastructure or resources, including, but not limited to, sending or promoting the distribution of "spam," "junk mail," chain letters, or other such unsolicited or unlawful mass emailing techniques;(b) disclose to, or share with, any unauthorized third parties the ID's, assigned confirmation numbers and/or passwords, or use the ID's, assigned confirmation numbers and/or passwords for any unauthorized purpose, or otherwise allow or facilitate others to gain access to Credit Renew's information technology systems, environments, networks, files, data or accounts through the use of the ID's, assigned confirmation numbers and/or passwords;(c) access or attempt to access Credit Renew's information technology systems, environments, networks, files, data or accounts to which express authorization has not been obtained (including access to data not intended for You), or log into a server or account that you are not authorized to access;(d) attempt to decipher, decompile, disassemble, modify, remove or reverse engineer any of the software or HTML code comprising or in any way making up a part of this website;(e) interfere with, disrupt, disable or damage (or attempt to interfere with, disrupt, disable or damage), in an unauthorized manner, the use or operation of this website or Credit Renew's, its affiliated or related entities' or the Providers' systems, equipment or applications, or service to any user, host, or network, including by use of any programs, scripts, commands, viruses, worms, web bugs, harmful code, Trojan horses, other contaminants, or otherwise. This includes "denial of service" attacks, "flooding" of networks, deliberate attempts to overload a service or to burden excessively a service's resources, attempts to "crash" a host, and/or modifying or rerouting any Content or services provided at this website;(f) attempt to circumvent or subvert system or network security (i.e., authentication) mechanisms, or probe the security of any system, network, or account, associated or used in conjunction with this website;(g) upload, post, email or otherwise transmit any Information, Content, or proprietary rights that you do not have a right to transmit under the Terms, any law or other contractual or fiduciary relationships; and/or(h) use any robot, spider, intelligent agent, meta-searching, other automatic device, or manual process to search, monitor or copy Credit Renew's website pages or the Content in violation of the Terms or without Credit Renew's prior written permission, provided that generally available third party Web browsers such as Netscape Navigator® and Microsoft Internet Explorer® may be used without such permission.
6. INFORMATION POSTED TO WEBSITE
You acknowledge and agree that Credit Renew may preserve Information, and may also disclose Information if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the Terms; (c) respond to claims that any Information violates the rights of third-parties; or (d) protect the rights, property, or personal safety of Credit Renew's business, employees, Providers, affiliated or related entities, users, and/or the public.
7. LINKS TO THIRD PARTY WEBSITES
This website may contain links to third-party or Provider websites not under Credit Renew's control or operation (the "Linked Sites"). The links will let you leave this website and be directed to and access the Linked Sites, which you access is at your own risk. You acknowledge that Credit Renew provides the Linked Sites for your convenience and information only. Credit Renew does not endorse, nor is it responsible for, any content, information, or other related materials, products or services found at any such Linked Sites or any links contained within such Linked Sites, whether or not Credit Renew is affiliated with the owners of such Linked Sites. Except as otherwise specified in these Terms or pursuant to Credit Renew's express written consent, you may not establish a hyperlink to this website from your website or the Linked Sites, or provide any links that state or imply any sponsorship or endorsement of your website or the Linked Sites by Credit Renew or the Providers.
8. DEALINGS WITH ADVERTISERS
Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through this website or any Linked Sites, including payment for and delivery of related goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such advertisers. You agree that Credit Renew (and its affiliated or related entities and the Providers) shall neither be responsible nor liable for any loss or damage incurred by you as the result of any such dealings or as the result of the presence of such advertisers on or through this website or the Linked Sites.
9. NO WARRANTIES
ALL CONTENT, PRODUCTS AND SERVICES ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. OTHER THAN THOSE WARRANTIES WHICH, UNDER THE U.S. LAWS APPLICABLE TO THESE TERMS, ARE IMPLIED BY LAW AND ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION, Credit Renew DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
NEITHER CREDIT RENEW, ITS AFFILIATED OR RELATED ENTITIES, NOR THE PROVIDERS, NOR ANY PERSON INVOLVED IN THE CREATION, PRODUCTION, HOSTING AND/OR DISTRIBUTION OF THIS WEBSITE, WARRANT THAT THE FUNCTIONS, FEATURES OR SERVICES CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVER THAT MAKES THE CONTENT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE CONTENT THAT YOU ACCESS ON THIS WEBSITE IS PROVIDED SOLELY FOR YOUR CONVENIENCE AND INFORMATION ONLY. CREDIT RENEW DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE, OR AS TO THE RELIABILITY, ACCURACY OR CURRENCY OF ANY CONTENT, SERVICE, AND/OR MERCHANDISE PROVIDED OR ACQUIRED PURSUANT TO YOUR USE OF THIS WEBSITE.
CREDIT RENEW IS A DISTRIBUTOR, AND NOT A PUBLISHER, OF THE INFORMATION AND CONTENT AT THIS WEBSITE. Credit Renew HAS NO MORE EDITORIAL CONTROL OVER SUCH INFORMATION AND CONTENT THAN DOES A PUBLIC LIBRARY OR NEWSSTAND. ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS, OR OTHER INFORMATION EXPRESSED OR MADE AVAILABLE BY THIRD PARTIES OR PROVIDERS (INCLUDING IN THE LINKED SITES) ARE THOSE OF THE RESPECTIVE AUTHORS OR DISTRIBUTORS OF SUCH INFORMATION AND CONTENT.
YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. YOU (AND NOT Credit Renew) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING (INCLUDING, WITHOUT LIMITATION, YOUR INTERNET CONNECTION) AND REPAIR OR CORRECTION OF YOUR COMPUTER, NETWORK AND/OR SYSTEM.
10. LIMITATION OF LIABILITY
IN NO EVENT SHALL CREDIT RENEW, ITS AFFILIATED OR RELATED ENTITIES OR PROVIDERS, NOR ANY OF ITS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS, OR ANY PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, DISTRIBUTION AND HOSTING OF THIS WEBSITE, BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES, WHETHER ARISING UNDER CONTRACT, WARRANTY, OR TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY, REGARDLESS OF WHETHER CREDIT RENEW (OR ITS AFFILIATED OR RELATED ENTITIES OR PROVIDERS) KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING, WITHOUT LIMITATION, FROM THE USE OR ATTEMPTED USE OF THIS WEB SITE OR ANY OTHER LINKED SITE.
CREDIT RENEW'S LIABILITY, AND THE LIABILITY OF CREDIT RENEW'S AFFILIATED OR RELATED ENTITIES AND/OR PROVIDERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE, IS LIMITED TO THE LESSER OF (A) THE AMOUNT OF FEES, IF ANY, YOU PAY TO CREDIT RENEW IN THE 12 MONTHS PRIOR TO THE ACTION GIVING RISE TO LIABILITY, OR (B) $500. SOME STATES MAY NOT ALLOW FOR THE LIMITATION OF LIABILITY DESCRIBED ABOVE, SO THE FOREGOING LIMITATION MAY NOT APPLY TO YOU.
BY WAY OF EXAMPLE ONLY, CREDIT RENEW AND RELATED PERSONS AND ENTITIES SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY CLAIM OR DAMAGE ARISING FROM FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION, COMPUTER VIRUS, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO OR ALTERATION OF PERSONAL RECORDS, OR THE RELIANCE UPON OR USE OF CONTENT, INFORMATION, OPINIONS OR OTHER MATERIALS APPEARING ON THIS WEBSITE. MOREOVER, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT Credit Renew IS NOT LIABLE OR RESPONSIBLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES.
THE LIMITATION OF LIABILITY REFLECTS THE ALLOCATION OF RISK BETWEEN THE PARTIES. THE LIMITATIONS SPECIFIED IN THIS SECTION 10 WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY SPECIFIED IN THESE TERMS IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. THE LIMITATIONS OF LIABILITY PROVIDED IN THESE TERMS INURE TO THE BENEFIT OF CREDIT RENEW AND THE PROVIDERS, AND TO ALL RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, ATTORNEYS, AND AGENTS.
11. GOVERNING LAW AND JURISDICTION
Credit Renew operates this website (excluding Linked Sites, over which it has no authority or control) from its offices within the State of South Dakota (which may be subject to change from time to time at Credit Renew's sole discretion). The website can be accessed from all 50 states, as well as from other countries around the world. As each of these places has laws that may differ from those of South Dakota, by accessing this website, you agree that these Terms and your use of the website shall be governed in all respect by the internal substantive laws of the State of South Carolina, without regard to any conflict of laws provisions, and shall not be governed by the United Nations Convention on the International Sale of Goods. You further agree to submit to the exclusive jurisdiction and venue in the state and federal courts located in South Dakota – United States District Court, respectively, for all disputes, cases and controversies regarding this website, your use of this website, and your relationship with Credit Renew. Credit Renew makes no representation that materials on this website are appropriate or available for use in other locations and accessing them from territories where the Content is illegal is prohibited. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with local laws, including laws regarding the transmission of technical data exported from the United States or the country in which you reside.
Credit Renew reserves the right to report any wrongdoing, if and when it becomes aware of it, to any applicable government or law enforcement agencies. You agree to indemnify, defend and hold Credit Renew and the Providers, its and their officers, directors, employees, affiliated or related entities, agents, licensors, and suppliers, harmless from and against any and all claims, demands, actions, costs, liabilities, losses and damages of any kind (including attorneys' fees) resulting from your use of this website, your breach of any provision of these Terms and/or any negligent acts, omissions or intentional wrongdoing by You. Any such indemnification shall be conditioned on Credit Renew: (a) notifying you in writing of any such claim, demand, action, cost, liability, loss or threat of any thereof; (b) cooperating with you in the defense or settlement thereof; and (c) allowing you to control such defense or settlement. Credit Renew shall be entitled to participate in such defense at its own cost and expense.
13. MESSAGE BOARDS
In the event that Credit Renew provides message boards, web logs or blogs, or discussion forums on this website (the "Forums"), you agree to use the Forums only for personal purposes in a noncommercial manner. You shall not, without Credit Renew's express approval, distribute or otherwise publish any material containing any solicitation of funds, advertising, or written solicitation for goods and services. You agree that any uploaded materials may be republished without compensation to you or any other person or entity. In addition, you warrant that all moral rights in any uploaded materials have been waived. While Credit Renew does not and cannot review every message posted by you or any other user in the Forums, and although Credit Renew is not responsible for these messages, Credit Renew reserves the right (but not the obligation) to delete, move, or edit messages that it, in its sole discretion, deems abusive, defamatory, obscene, in violation of copyright or trademark laws, in violation of these terms, or otherwise unacceptable. Credit Renew does not endorse any information that may be posted on this website through the Forums.
You agree that you must evaluate, and bear all risks associated with, the use of any messages, information, or Content associated with the Forums, including any reliance on the accuracy, completeness, or usefulness of such messages, information, or Content. In this regard, you acknowledge that you may not rely on any Content Credit Renew creates or information submitted to Credit Renew by third parties, including without limitation, information in the Forums, and in all other parts of this website.
14. OTHER GENERAL PROVISIONS
These Terms are for the benefit of Credit Renew and the Providers, its and their officers, directors, employees, affiliated or related entities, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce these Terms directly against you on its (or their own) behalf. Credit Renew's failure to act with respect to a breach by you or others does not waive Credit Renew's right to act with respect to subsequent or similar breaches.
If any provision of these Terms is held to be invalid or unenforceable, such provision will be struck and the remaining provisions enforced. Headings are for reference purposes only.
You and Credit Renew are dealing at arm's' length, creating a commercial relationship. Credit Renew is not your Agent or your fiduciary. Many of Credit Renew's businesses and facilities may be independently owned and operated by independent franchisees and licensees. In such cases, these franchisees and licensees manage and operate the facilities, and they are the employers of all employees and contractors who work at the facilities. These franchisees are independent contractors, and no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created by these Terms.
Credit Renew LLC, RESERVES ANY RIGHTS NOT EXPRESSLY GRANTED OR STATED IN THESE TERMS
Credit Renew LLC takes privacy seriously. We are committed to establishing and maintaining policies and procedures which protect the privacy of personal information gathered from our customers, prospects and other visitors to our website. This Policy applies to all of the products, services and websites offered by Credit Renew LLC. If you have any questions about this privacy statement or the practices of this site, you may contact us at firstname.lastname@example.org
We collect two basic types of information with our service, namely personal information and business information. The term “personal information” means information that specifically identifies an individual (such as a name and email address), and demographic and other information about an individual when directly linked to personally identifiable information. A user name may be personal information if it includes personally identifying information such as a first and last name. Our definition of personal information does not include “business” information.
We do not sell your information to third-party sources. We do not share your information outside of our company except within our own accounts on apps and websites used by our company to communicate with you (Example: Our email provider), process payments (Example: PayPal Merchant Services) or analyze website traffic and usage (Example: Google Analytics). Your information is shared within our company only for the purposes of running our business (Example: processing your credit repair letters) or communicating with you.
Credit Renew LLC is an online credit repair platform which conducts credit repair on behalf of our users. If you decide to We will share your personal and business information when required by any legitimate law enforcement body or bank where we believe disclosure is necessary (a) as a matter of applicable law or regulation or (b) to exercise, establish, or defend our legal rights.We may share your personal and business information with a potential buyer (and its agents and advisors) of our company, in the case of a sale, merger, consolidation, liquidation, reorganization, or acquisition. We would do this under a NDA (Non-disclosure agreement).
Minimum Age Requirement:
Because Credit Renew LLC.com does not intend to collect any personal information about children under 18 years old, children under 18 years old are PROHIBITED from creating an account on creditrenew.io.
Credit Renew LLC may use “cookie” technology to track or record information about our website visitors. Credit Renew LLC requires the use of “cookie” technology so that we can present the correct information to users as they move from screen to screen. Credit Renew LLC users who disable their web browser’s ability to accept cookies may not be able to successfully use our service.On occasion, Credit Renew LLC may use a service such as Google Adwords to advertise or re-target an ad to users on Google and other websites or apps. This may entail the use of a cookie by such a service (Ex Google Adwords) to help us tailor advertising that we think may be of interest to users. In practice it would mean you may see a Credit Renew LLC advertisement in Google or another website after visiting creditrenew.io
Changes to Personal Information:Upon request we provide site visitors with access to information that we have collected and that we maintain about them. Consumers can access this information by logging into their account or contacting email@example.com
Third-Party Site Links:
With respect to security, we employ industry-standard encryption technologies when transferring and receiving user data exchanged with our site. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site. We do not store credit card information in our systems.
Changes to Privacy Statement:
From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change in the future, we will post the policy changes to our website to notify you and provide you with the ability to opt out of these new uses. To keep up-to-date with Credit Renew LLC policy, please check this page periodically.Contacting the Website: You may contact us by sending us an email to firstname.lastname@example.org
Your electronic signature signifies your agreement to transact business electronically, 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 Credit Renew's services and to view, print and retain all documentation. You may receive paper copies by contacting us at email@example.com for no charge.
Though you may withdraw your consent to electronically transact business with Credit Renew by contacting us at firstname.lastname@example.org, by doing so Credit Renew will no longer be able to provide you services.
I acknowledge that I have received and agree to these terms.
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. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
I acknowledge that I have received and have had an opportunity to review a copy of the above written statement.
INFORMATION STATEMENT REQUIRED BY STATE LAW
Right to Review File: You have the right to review any file on you that is maintained by any credit reporting agency, as provided under 15 U.S.C. Sec. 1681 et seq., as amended, the Fair Credit Reporting Act.
Right to Obtain a Free Copy of Your File: A review of the file on you will be conducted free of charge by the credit reporting agency that issued a report upon which a credit denial was based, if requested within 30 days of you receiving a notice of a denial of credit.
Approximate Price of Your File: If you are not otherwise entitled to a free credit report, the three credit bureaus, Transunion, Experian, and Equifax offer varying prices for your consumer report. They can range from $9.95 to $21.95. Sometimes other agencies will also offer free credit reports in addition to the one free credit report available at www.annualcreditreport.com.
Right to Dispute Inaccurate or Incomplete Information: You have the right to dispute the completeness or accuracy of any item contained in any file on you that is maintained by any credit reporting agency.
Description of Services:
A. Bureaus. The term “Bureaus” shall mean, collectively or individually, the major credit bureaus (TransUnion, Equifax, and Experian).
B. Credit Repair Communications. The term “Credit Repair Communications” shall mean written or electronic communications to Bureaus and/or Furnishers. Credit Repair Communications will be sent in accordance with your instructions and information as well as with Credit Renew’s analysis of your credit reports.
C. Furnishers. The term “Furnishers” shall mean one or more credit report information furnishers (for example, creditors, debt collectors, and banks).
D. Representation. The term “Representation” shall mean the complete understanding between you and Credit Renew pursuant to your contract with Credit Renew.
E. Service Interval. The term “Service Interval” shall mean 5-15 days after the date of your contract with Credit Renew, and monthly thereafter or the date Representation ends, if earlier.
F. Service Interval Trimester. The term “Service Interval Trimester” shall mean four consecutive Service Intervals.
Credit Renew performs one or more of the following services before you pay: enters your personal data and one or more credit reports into its secure database; provides you with a login to access your case online and to access certain informative content Credit Renew offers its clients; collects information and instructions from you regarding your particular circumstances and how you wish to proceed; analyzes your case; and prepares and sends one or more Credit Repair Communications on your behalf.
Subsequently, Credit Renew typically performs one or more of the following ongoing and periodic services as appropriate in its judgment and discretion: receives and reviews Bureau and Furnisher correspondence sent to us directly or by you; collects and reviews updated information and instructions from you regarding your circumstances, goals, and case; monitors and analyzes your case; provides you with status updates regarding your case; and prepares and sends one or more additional Credit Repair Communications on your behalf.
Credit Renew cannot guarantee and you are not paying for a particular credit report outcome or result; you are paying only for Credit Renew’s efforts on your behalf. The Bureaus or Furnishers may not respond to initial or subsequent Credit Repair Communications and ultimately may decide not to remove items from your consumer credit files despite Credit Renew’s efforts.
Credit Renew’s Representation is designed to assist you in your efforts to ensure that your credit reports fairly and accurately reflect your credit history, and to provide you with valuable guidance as you continue to manage your credit. In order to meet your precise needs, Credit Renew offers the following service levels that may assist you in your efforts to stay on track. Regardless of the service level, Credit Renew uses its judgment and discretion to determine the content, number and frequency of the Credit Repair Communications. Credit Repair Communications may be sent to Bureaus and/or Furnishers up to two (2) weeks after you choose to end Representation (due to variations in transit time and the period required to process a request to cancel Representation). Your contract with Credit Renew is only for the services listed below related to your chosen service level and does not include pre-litigation or litigation services.
A. Credit Repair Service Levels
Standard - The Standard service level will assist you in requesting that Bureaus and Furnishers demonstrate their compliance with various laws governing fair, accurate, and substantiated consumer credit reporting.Based upon its analysis of your credit reports and the information and instructions you provide, Credit Renew will prepare and send Credit Repair Communications to Bureaus and up to three Credit Repair Communications to Furnishers during a Service Interval on your behalf and in your name to verify and/or challenge the accuracy of your credit reports.
Plus - The Plus service level will, in addition to all services provided under the Standard service level, provide personalized analyses of factors impacting credit scoring. Credit Renew will provide at least one credit score improvement analysis during a Service Interval.
Clients who engage the Standard service level or Plus service level for the following example number(s) of specified Service Intervals have the following average number of Credit Repair Communications sent to Bureaus and Furnishers: (a) 1 Service Interval – 4 to 6 Credit Repair Communications; (b) 2 Service Intervals – 8 to 12 Credit Repair Communications; (c) 4 Service Intervals – 16 to 24 Credit Repair Communications; (d) 6 Service Intervals – 24 to 36 Credit Repair Communications; (e) 8 Service Intervals – 32 to 48 Credit Repair Communications; (f) 10 Service Intervals – 40 to 60 Credit Repair Communications; (g) 12 Service Intervals – 48 to 72 Credit Repair Communications.
I acknowledge that I have received and have had an opportunity to review a copy of the above written statement.
Thank you for hiring Credit Renew LLC, to represent you. This Engagement Agreement and Limited Designation of Agency (“Contract”) is made in the state of South Dakota and constitutes the complete understanding between you and Credit Renew LLC (the “Representation”).
I. DEFINITIONS A. Bureaus. The term “Bureaus” shall mean, collectively or individually, the major credit bureaus (TransUnion, Equifax, and Experian). B. Credit Repair Communications. The term “Credit Repair Communications” shall mean written or electronic communications to Bureaus and/or Furnishers. Credit Repair Communications will be sent in accordance with your instructions and information as well as with Credit Renew’s analysis of your credit reports. C. Content. The term “Content” shall mean Credit Renew’s works of authorships, including but not limited to its registered marks, copyrighted material, any revisions, modifications and enhancements thereto, and any trade dress. D. Furnishers. The term “Furnishers” shall mean one or more credit report information furnishers (for example, creditors, debt collectors, and banks). E. Service Interval. The term “Service Interval” shall mean 5-15 days after the date of this Contract, and monthly thereafter or the date Representation ends, if earlier. F. Service Interval Trimester. The term “Service Interval Trimester” shall mean four consecutive Service Intervals. G. Websites. The term “Websites” shall mean the websites located at www.Credit Renewlaw.com and clients.Credit Renewlaw.com, and such other sites as Credit Renew may choose to operate in connection with the Representation.
II. SERVICES AND REPRESENTATION You are engaging the service level (described below) as of the date of this Contract. You may change your service level at any time simply by contacting Credit Renew. In the event you change your service level, all terms and conditions of this Contract will apply to your chosen service level. You agree that, by signing this Contract, you are providing Credit Renew with “written instructions” in accordance with the Fair Credit Reporting Act to periodically obtain your credit reports from any consumer reporting agency, affiliate or third party and to use your credit reports to provide you with the services agreed to as part of this Contract. Credit Renew performs one or more of the following services before you pay: enters your personal data and one or more credit reports into its secure database; provides you with a login to access your case online and to access certain informative content Credit Renew offers its clients; collects information and instructions from you regarding your particular circumstances and how you wish to proceed; analyzes your case; and prepares and sends one or more Credit Repair Communications on your behalf. Subsequently, Credit Renew typically performs one or more of the following ongoing and periodic services as appropriate in its judgment and discretion: receives and reviews Bureau and Furnisher correspondence sent to us directly or by you; collects and reviews updated information and instructions from you regarding your circumstances, goals, and case; monitors and analyzes your case; provides you with status updates regarding your case; and prepares and sends one or more additional Credit Repair Communications on your behalf. Credit Renew cannot guarantee and you are not paying for a particular credit report outcome or result; you are paying only for Credit Renew’s efforts on your behalf. The Bureaus or Furnishers may not respond to initial or subsequent Credit Repair Communications and ultimately may decide not to remove items from your consumer credit files despite Credit Renew’s efforts. Credit Renew’s Representation is designed to assist you in your efforts to ensure that your credit reports fairly and accurately reflect your credit history, and to provide you with valuable guidance as you continue to manage your credit. In order to meet your precise needs, Credit Renew offers the following service levels that may assist you in your efforts to stay on track. Regardless of the service level, Credit Renew uses its judgment and discretion to determine the content, number and frequency of the Credit Repair Communications. Credit Repair Communications may be sent to Bureaus and/or Furnishers up to two (2) weeks after you choose to end Representation (due to variations in transit time and the period required to process a request to cancel Representation). This Contract is only for the services listed below related to your chosen service level and does not include pre-litigation or litigation services.
Credit Renew will prepare and send Credit Repair Communications to Bureaus and Furnishers (up to three Credit Repair Communications to Furnishers during a Service Interval) on your behalf and in your name to verify and/or challenge the accuracy of your credit reports.Credit Renew will also provide personalized alerts to help educate clients about certain credit reporting setbacks and how to avoid . Clients who engage the SCCAP service level for the following example number(s) of specified Service Intervals have the following average number of Credit Repair Communications sent to Bureaus and Furnishers: (a) 1 Service Interval – 4 to 6 Credit Repair Communications; (b) 2 Service Intervals – 8 to 12 Credit Repair Communications; (c) 4 Service Intervals – 16 to 24 Credit Repair Communications; (d) 6 Service Intervals – 24 to 36 Credit Repair Communications; (e) 8 Service Intervals – 32 to 48 Credit Repair Communications; (f) 10 Service Intervals – 40 to 60 Credit Repair Communications; (g) 12 Service Intervals – 48 to 72 Credit Repair Communications.
III. PAYMENT AND FEES Credit Renew never charges before any services are fully performed. Fees are collected on a periodic basis, but only for services previously provided. Because fees are charged after rendering services, you should expect to pay a final fee when you choose to end Representation and fees are generally not refundable. Any service credit provided by Credit Renew will be applied to services rendered and will expire upon cancellation of Credit Renew’s Representation. A Service Interval fee is charged five to fifteen days from the date of this Contract as follows: $79 for Standard service level; $99 for Plus; This fee will be charged after related services have been fully rendered. When you elect to continue additional Service Interval(s) at a selected service level, you will be charged the following at the end of each Service Interval, for work previously and fully rendered: $79 for Standard service level; $99 for Plus. Charges will be processed on or about the same day of each month for each Service Interval(s) until you elect to suspend or cancel service. For example, if a fee for services was charged on the seventh of the month and you choose to continue for another Service Interval, the fee for that Service Interval will be charged on or about the seventh of the next month for work previously and fully rendered. (The specific day of the month may vary slightly due to weekends and holidays.) A final fee will be charged on the day you end Representation. Depending on which payment method you have selected, fees will either be charged to your credit or debit card or drafted from your bank account. You authorize Credit Renew to substitute additional payment methods provided by you in the event any fee or charge authorized by this Contract is not honored upon first presentment by Credit Renew. You grant Credit Renew permission to withdraw any fee or charge authorized by this Contract from your credit or debit card or bank account and to verify your account information. While the amount of work performed may vary from Service Interval to Service Interval, your monthly fee for additionally elected Service Intervals will remain the same and will be collected only for services previously and completely rendered.
IV. TERM AND CANCELLATION You may suspend or cancel this Contract at any time and in a number of ways, including: (a) telephoning Credit Renew, (b) signing and mailing Credit Renew one of the Notices of Cancellation, or (c) sending Credit Renew a written request. Credit Renew honors all cancellation requests without condition or charge that are sent to Credit Renew within the first five days of the date of this Contract. It may take up to three business days from the day Credit Renew receives your request to process it. Cancellation requests sent after the first five days may result in a charge. The length of time you may wish to engage Credit Renew will likely depend on a variety of factors, such as: your individual credit goals, your timely participation, the complexity of your case (e.g. the type and number of unfairly or inaccurately reported credit information subject to substantiation), initial and subsequent positions taken by a particular Furnisher or Bureau regarding an affected credit report item, new information added to your credit profile during your Representation, changes to your initial credit goals, and other related factors. This Contract continues from month to month. You are advised to review your case at least each month and determine whether you wish to continue Credit Renew’s Representation or suspend or cancel it. Credit Renew reserves the right to withdraw from representing you if you breach this Contract or for any reason permitted under applicable professional rules of conduct. In the event Credit Renew withdraws, you agree to pay Credit Renew for the services rendered by Credit Renew previous to the date of withdrawal. Credit Renew may have discussions with you regarding your case and in doing so may provide its opinion, in its judgment, regarding your options and possible outcomes, given the information you provide to Credit Renew. Any expressions of opinion may not reflect an actual outcome.
V. CLIENT RESPONSIBILITIES AND COMMUNICATIONS You agree to assist Credit Renew in answering certain security questions regarding your identity and credit history as may be necessary to obtain your credit reports. You agree that Credit Renew, in its judgment and at its discretion, may send Credit Repair Communications to Bureaus and/or Furnishers, as applicable, to verify the accuracy of items on your credit report. You also agree to specify which credit report items Credit Renew should challenge with Bureaus and/or Furnishers, as applicable, the basis for such actions, and whether there are any items on your report the accuracy of which need not be verified. You will provide Credit Renew with legible copies (not originals) of updated credit reports at least every ninety days, and promptly forward to Credit Renew copies of all correspondence you receive from the Bureaus, Furnishers, or others as the result of Credit Renew’s efforts on your behalf. You understand and acknowledge that failure to promptly forward correspondence and updated credit reports may delay or negatively impact your case. You agree to send only copies of documents, not originals, for Credit Renew to scan, store electronically, and shred. You agree to promptly inform Credit Renew if your contact or payment information changes by calling your paralegal. You agree to review your case each month and determine whether you wish to suspend or cancel the Representation. Once Representation is canceled, you authorize Credit Renew to destroy your file in accordance with Credit Renew’s retention policy, excluding only those documents which are required to be retained. You may request copies of your file for up to six months. You agree to use the Content for your own personal benefit, and not for commercial purposes. You agree and acknowledge that Credit Renew may communicate private and confidential information with you via unencrypted email at the address you provide. You agree to promptly inform Credit Renew if your email address changes by emailing contact@creditrenew. You agree that all information you provide Credit Renew is true to the best of your knowledge. You understand and acknowledge that you are not paying for, and that Credit Renew does not make, any representation, warranty, promise or guarantee as to any particular outcome or result. You are paying only for Credit Renew’s Representation on your behalf. The Bureaus or Furnishers may decide not to remove items from your consumer credit files despite Credit Renew’s actions. You acknowledge that you intentionally hired Credit Renew, which is based in the state of South Dakota, to represent you as described in this Contract. You acknowledge that Credit Repair Communications prepared by Credit Renew may include your account number(s) and Social Security Number in order to reference your account. You understand Credit Repair Communications sent by Credit Renew to Furnishers and Bureaus on your behalf will be sent in your name, and will not be identified as being sent by Credit Renew. Copies of written Credit Repair Communications will be provided to you upon request. You agree to all other terms and conditions within this Contract.
VI. Credit Renew WILL NOT DO ANY OF THE FOLLOWING: Credit Renew will not file your case in court or perform pre-litigation services on your behalf, except under a separate written agreement signed by both you and Credit Renew. Credit Renew assists you in contacting Bureaus and Furnishers to address items on your credit reports, but Credit Renew does not promise or provide any specific outcome with regard to your credit history or credit report. Multiple attempts to assist you in this effort may be necessary, and should you deem Credit Renew’s actions to be unsuccessful, you may need to seek additional legal representation regarding a particular Furnisher or Bureau. Credit Renew will not dispute accurate information within your credit report.
VII. STAFFING Credit Renew may assign various attorneys and paralegals, clerical staff, or others to perform work on your case. You agree services in connection with your Representation may be performed by any attorney, or law firm that is associated with Credit Renew, and any such attorney’s or law firm’s paralegals, clerical staff or other assistants. There is no additional charge to you for work performed by these individuals.
A. ARBITRATION. You agree to arbitrate all disputes and claims between you and Credit Renew on an individual basis only and not as a part of any class. You may individually arbitrate any claim against Credit Renew in any jurisdiction in the United States. Credit Renew will reimburse you up to $300 of your arbitration filing fee. The rules of the American Arbitration Association shall govern the arbitration and can be viewed online at www.adr.org or by calling 1-800-778-7879.
B. SEVERABILITY. In the event that any provision or covenant of this Contract shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, then such provision will be severed and replaced with a new provision that most closely reflects the original intention of the parties, and this Contract and all of its remaining provisions shall remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. You understand and agree that your obligations under Sections III, V, and VIII, and any other provision which by its nature should survive termination, shall survive and remain enforceable after termination of this Contract for any reason without restriction or limit.
C. CONFLICTS IN TERMS. In the event of a conflict between any notice, policy, disclaimer or other term contained in the Websites or otherwise, the terms and conditions of this Contract shall control.
D. FORCE MAJEURE. Credit Renew shall not be liable by reason of any failure or delay in the performance of its obligations hereunder due to any reason beyond its reasonable control.
E. COPYRIGHTS AND TRADEMARKS. You acknowledge and agree that the Content are the property of Credit Renew or its licensors and suppliers and are protected by federal, state, and international copyrights laws, including the common law. Any other Content not owned by Credit Renew that appears on the Websites is the property of its respective owner(s). All software used on the Websites is the property of Credit Renew or its software suppliers and is also protected by federal, state, and international copyright law, including the common law. Reproduction of such Content, in whole or in part, is prohibited without prior consent.
G. ENTIRE AGREEMENT. This Contract is the entire agreement between you and Credit Renew and supersedes all other agreements, whether made orally or in writing.
IX. LIMITED DESIGNATION OF AGENCY You agree that Credit Renew may act as your non-exclusive agent and attorney in fact, on your behalf, for the limited purposes of: (a) requesting and receiving your consumer credit disclosures and credit reports;(b) disputing, challenging, or investigating with Bureaus as applicable, at your direction and within our professional judgment, inaccurate, unfairly reported, incomplete, or unsubstantiated information on such disclosures and reports;(c) receiving results from such inquiries and communicating them to you;(d) investigating and/or verifying information provided by Furnishers to Bureaus; and(e) signing letters on your behalf and in your name. You authorize the Bureaus and Furnishers to provide such disclosures and reinvestigation results to Credit Renew on your behalf, via electronic means. You further agree that you will not knowingly dispute accurate information on your credit report or disclosures.
X. SIGNATURE I have received and had the opportunity to review the Credit Renew Engagement Agreement and Limited Designation of Agency, which I understand is a binding contract, and agree to all its terms and conditions. By providing your electronic signature, you engage Credit Renew to work on your behalf and you agree to the following: You acknowledge that you have received and agree to the terms of Credit Renew’s E-SIGN Agreement, and that you have received and have had an opportunity to review a copy of the Credit Renew federal and state disclosure statements and notices of cancellation. You acknowledge that you have received and had the opportunity to review the Credit Renew Engagement Agreement and Limited Designation of Agency, which you understand is a binding contract, and agree to all its terms and conditions.
Required Notice Under Federal Law: You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right. Credit Renew provides you five days from the date of this Contract to cancel without penalty or obligation.
For South Carolina Clients: Required Notice Under State Law: You may cancel this contract without penalty or obligation for any reason and at any time by giving ten days’ written notice of rescission to the licensee. Once your services are canceled, you are entitled to a refund of all unexpended funds you have paid to the credit counseling organization.
You may cancel our services, without any penalty or obligation, at any time by emailing email@example.com.
Credit Renew offers a 100% money back guarantee for up to 30 days of completed service if client is unsatisfied.