Acceptance of Terms of Use
We require that all visitors ("you") to this web site ("Site") adhere to the following Terms of Use ("TOU"). By accessing and using the Site you acknowledge your agreement to these TOU. If you do not agree to these TOU, please do not access or use the Site.
Description of Services
This Site provides you with access to information concerning budgeting, financial management and free tools and resources available to visitors upon request (collectively "Services") , The Services, including any modifications, deletions, updates, improvements, and new features (collectively "Site Changes") are subject to these TOU. We reserve the right to make any Site Changes at any time and in any manner, without prior notice.
Use Limitation
Personal Use
The Services are for your personal use. Except as otherwise expressly stated, users and visitors may not modify, copy, distribute, transmit, display, perform, publish, license, transfer, or sell any information, software, products or services obtained from the Services.
Children Under 13
We do not knowingly solicit data online from, or market online to, children under the age of 13.
No Unlawful or Prohibited Use
As a condition of your use of the Services, you agree that you will not use this site or the Services for any purpose that is unlawful or prohibited by these TOU. You may not use this site or Services in any manner that could damage, disable, overburden, or impair any server, or the network(s) connected to any of this website's servers, or interfere with any other party's use and enjoyment of any Services. You may not attempt to secure unauthorized access to any Services, other usernames, computer systems or networks connected to any of this website's servers or to any of the Services, through hacking, password mining or any other means. You may not acquire or attempt to acquire any materials or information through any means not intentionally made available by the Services.
Removal of Proprietary Notice
You agree not to remove any and all proprietary notices from materials you may obtain through the Services, including but not limited to, copyright or trademark notices.
Loans
NOTHING ON THIS SITE IS A PROMISE TO MAKE A LOAN.
No Legal Advice
We do not provide legal advice. Every person's financial situation is unique and the fitness or suitability of any bill management or bill reduction program should be carefully reviewed prior to making any decision. Furthermore, it is recommended that any individual exploring financial assistance or bill reduction options consult with a financial services professional, as well as approved providers of counseling, consolidation or bill resolution programs to fully understand the potential benefits of these programs, as well as the potential risks, including impact on personal credit standing and scores, legal liability, and potential tax consequences of resolving bills for less that the full amount.
Privacy Policy
We believe the responsible use of personal data and information is vital to the continued success of the Internet. Accordingly, we are committed to protecting and safeguarding your right to privacy while using the Services. For further information, please see our Privacy Policy.
Transmission of Personal Data
You acknowledge and agree that by providing this site with any personal information through the Services, you provide your express consent to the transmission of such personal or proprietary information as necessary for processing requests for assistance.
Rights
This website owns and/or retains the rights to all text, logo or graphic images appearing on this site, and all such content, including articles and video assets are protected by copyright, trademark, and other applicable laws. Nothing in these TOU transfers any of these rights to you or any third party.
Special Notice - Service Providers
We are committed to improve lives through in-depth educational content, audio and video that empowers consumers to make wise and educated decisions regarding bill management and bill resolution strategies. We are not responsible for any services provided by money management, bill resolution, bill management, or counseling professionals. The selection of a bill resolution provider and the transaction of business with any service provider is your responsibility alone, and should be undertaken only after a thorough investigation and review, including but not limited to reviewing the benefits, as well as potential risks, of any resolutions. The bill resolution provider is solely responsible for the services it provides to you, and you agree that this website shall not be liable for any damages or costs of any type arising out of, or in any way connected with, your use of the services of any provider you may have engaged.
Special Notice - Interactive Services
The Services may include interactive services to enable you to communicate with others ("Interactive Services"). By participating in an Interactive Service, you agree not to use the Interactive Service to send or post on message boards or any place on the Site any message or material that is improper. By way of example, and not as a limitation, you will not: (i) defame, harass, threaten, or otherwise violate the legal rights of others; (ii) post or transmit any message, data, image, or program that would violate the property rights of others, including unauthorized copyright text, images or programs, trade secrets or other proprietary confidential information, and trademarks or service marks used in an infringing manner; (iii) display or distribute any information that is false, misleading, obscene, profane, sexually oriented, racially offensive, abusive or libelous; (iv) interfere with other users use of this Site; (v) post or transmit any file which contain viruses, worms, "Trojan horses", time bombs, or the like that may damage the operation of the computer or property of another; (vi) use the Interactive Service in a commercial manner to post messages or solicitations in message boards or during live chats; or (viii) use the Interactive Service in connection with otherwise objectionable material or that encourages conduct that would constitute a criminal offense or give rise to civil liability or otherwise violate any applicable law.
We reserve the right to disclose any information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post, or remove any information or materials, in whole or in part, from the Site in our sole discretion. You agree not to post any copyrighted information unless you have the consent of the owner of that information. If you post material in violation of this promise, you will be responsible for any damages.
Special Notice - Tools Available on the Site
The Services may include tools such as financial and/or budget and payoff calculators ("Tools"). Any and all Tools that are made available for use from the Site are free and remain the copyrighted work of this site.
Special Notice - Documents Available on the Site
We grant users permission to use documents that are made available for downloading from the Site (the "Documents") provided that your use of such Documents is in accordance with these TOU.
Disclaimer of Warranties
THE SITE, SERVICES (INCLUDING WITHOUT LIMITATION, ARTICLES, EDUCATIONAL MATERIALS, AUDIO RESOURCES, AND VIDEO RESOURCES) AND ALL OTHER INFORMATION OR SERVICES AVAILABLE THROUGH THIS SITE, INCLUDING TEXT AND IMAGES, ARE PROVIDED "AS IS," "WHERE IS," AND "AS AVAILABLE," BY THIS SITE, AS A CONVENIENCE TO ALL USERS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND INCLUDING, BUT NOT LIMITED TO, ANY EXPRESS OR IMPLIED WARRANTIES (I) OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (II) OF INFORMATIONAL CONTENT OR ACCURACY; (III) OF NON-INFRINGEMENT; (IV) OF QUIET ENJOYMENT; (V) OF TITLE; (VI) THAT THIS SITE OR SERVICES WILL OPERATE ERROR FREE, OR IN A CONTINUOUS AND UNINTERRUPTED FASHION; (VII) THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR (VIII) THAT THIS SITE, SERVICES (INCLUDING WITHOUT LIMITATION, ALL ARTICLES, MEDIA, AUDIO, VIDEO, AND OTHER RESOURCES OR TOOLS) IS COMPATIBLE WITH ANY PARTICULAR HARDWARE OR SOFTWARE PLATFORM. EFFORTS BY THIS SITE TO MODIFY THE SITE SHALL NOT BE DEEMED A WAIVER OF THESE LIMITATIONS. THE SITE, INFORMATIONAL RESOURCES AND/OR TOOLS COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. WE RESERVE THE RIGHT TO MAKE CHANGES TO THIS SITE WITHOUT NOTICE, AT ANY TIME, AND FROM TIME TO TIME.
Limitation of Liability
THIS SITE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY FINANCIAL LOSS, LOSS OF USE, LOSS OF DATA, INTERRUPTION OF BUSINESS, OR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND REGARDLESS OF CAUSE, WHETHER ARISING UNDER THESE TOU OR OTHERWISE, EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR WERE NEGLIGENT. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES THAT MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE EVENT. IN THOSE JURISDICTIONS THAT PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THIS SITE'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY THE LAW.
Indemnification
You agree to defend, indemnify, and hold this website, its partners and their officers, directors, employees, agents, contractors harmless from and against any and all claims, liabilities, losses, suits, damages, disputes, or expenses, including reasonable attorney's fees and costs, arising out of or in any way related to your use of the Site and resources herein (including without limitation, articles, audio resources, video resources, and/or financial and/or budgeting tools).
Governing Law and International Use
This Site is controlled by Envoy Media Group, Inc. from it's Westlake Village, California office in the United States of America. This Site only is directed to persons in the continental United States, Hawaii and Alaska, however, it may be accessed from many different places around the world. As each of these places has laws that may differ from those of the State of California, by accessing this Site, you agree that the statutes and laws of the State of California, without regard to the conflicts of laws principles, will apply to all matters relating to the use of this Site. You further agree that exclusive jurisdiction for all disputes, claims or controversies relating to use of this site shall be only in the federal or state court with competent jurisdiction in the State of California. You consent to the exercise of personal jurisdiction by such courts in any such action. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.
Miscellaneous
These TOU constitute the entire agreement between you and this website and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and this website. Services (including without limitation, Interactive Services, educational resources, audio and video resources) and Documents. If any part of these TOU is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of these TOU shall continue in effect. Please be advised that a printed version of these TOU and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these TOU to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.
For More Information
If you have any comments, concerns or questions regarding these TOU policy, please contact us at [email protected]
Last Updated: June 11, 2020
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