Terms of Use

GDPR Terms

The terms and provisions in this Section 12 only apply to EEA Residents and only to the extent that we are subject to the European Union’s General Data Protection Regulation (“GDPR”). If there is any conflict between the GDPR Terms and the rest of this Privacy Policy, the GDPR Terms shall control with respect to EEA Residents (and only to the extent that we are subject to GDPR). Our identity and contact information is as follows:

Credit Resources, INC 

15100 Hutchison Road. Suite 122 Tampa, FL 33625

 Email: [email protected] 

 We rely on the following legal grounds to process your personal information:

• Consent. We may use your personal information as described in this Privacy Policy subject to your consent. To withdraw your consent, please contact us at [email protected].
• Performance of a contract. We may need to collect and use your personal information, as applicable, to perform our contractual obligations.
• Legitimate Interests. We may use your personal information for our legitimate interests to provide our products, our partners’ products, and our services and to improve our services and the content on the website. We may use technical information as described in this Privacy Policy and use personal information for our marketing purposes consistent with our legitimate interests and any choices that we offer or consents that may be required under applicable law.
• Legal Compliance. We may collect and use your information in connection with legal obligations to which we are subject. These legal obligations include, but are not limited to, all applicable (i) federal, state, or local laws, rules, or regulations, (ii) court orders, or (iii) consent decrees.

  We may use information that we collect about you, including personal information, to:

• Provide Products and Services. We will use your information to provide our products, our partner’s products, and our services to you; to respond to your inquiries, and for other customer service and support purposes. We use the payment information you provide to us in order to alert you of past, current, and upcoming charges, to allow us to present the purchase history to you, and to perform internal finance processes, such as looking the status of a credit card charge. In the event of a credit card dispute, we also share account information with your bank to verify the legitimacy of a charge.
• Understand and improve our products. We will perform research and analysis about your use of, or interest in, our products, our partner’s products, our services, or content, or products, services or content offered by others. We do this to help make our products better and to develop new products.
• Communicate with you.
• Service-related communications. We may send you service and administrative emails to ensure the products or services are working correctly. These messages are considered part of the service, and you may not opt-out of these messages.
• Promotional. Subject to your opt-out preference, we may send you emails about new product features or other news about Credit Resources, INC or on topics we think would be relevant to you. You may opt-out of receiving these communications at any time by using the unsubscribe link at the bottom of the applicable email or sending us a request at [email protected]
• Responding to your requests. We will also use your information to respond to your questions or comments.
• Administrative. We may contact you to inform you about changes in our services, our service offering and other important service-related notices, such as changes to the Privacy Policy or about security or fraud notices.
• Advertising. Subject to your opt-out preferences, we may develop and display content and advertising tailored to your interests on our services and other sites.
• Protecting Rights and Interests. We will use your information to protect our rights and interests as well as the rights and interests of our users and any other person, as well as to enforce this Privacy Policy or our Terms of Service.
• Legal Compliance. We may use your information to comply with applicable legal or regulatory obligations, including informal requests from law enforcement or other governmental authorities.
• Other. We also may use your information to manage our business or perform functions as otherwise described to you at the time of collection subject to your consent. Please read all online agreements carefully before accepting them.

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 Terms Of Use

Welcome to the Credit Resources, INC site (defined below). By using it, you are agreeing to these Terms of Use (set below). Please read them carefully because they contain terms that may affect your legal rights. If you have any questions, contact us here at [email protected] These Terms of Use were last updated on May 25, 2018.  

1. Your Acceptance of the Terms of Use. Credit Resources, INC. (“Credit Resources, INC,” “we” or “us” or “our”) Owns and operates the website, www.yourcreditresources.com/, the mobile version and any sites we have now or in the future that reference these Terms of Use (collectively, “Site”). If you visit or shop through the Site, you agree to these Terms of Use (defined below) together with any documents they expressly incorporate by reference. IF YOU DO NOT AGREE TO THE TERMS OF USE, IMMEDIATELY STOP ACCESSING OR USING THE SITE and SERVICES. BY USING THE SITE and SERVICES, YOU HAVE ACCEPTED THE TERMS.  

2. About the Site, Product Offers, Refunds, and Credits. Our Sites and/or Services, or communications you receive from our Sites and/or Services may include third-party content that we do not control, maintain, or endorse. Merchants are the sellers and issuers of the Merchant Products and are solely responsible to you for the quality of the products provided. Credit Resources, INC shall not be liable for any claim arising out of or relating to the Merchant Products, including but not limited to, any claims for false advertising, product defects, personal injury, death or property damages. 

3. Privacy. We will never sell your information to third-party marketers. Your privacy is very important to us. Our Privacy Policy makes important disclosures about how we collect, use, and protect your personal information. You agree that all information you provide to register with this Site or otherwise, including but not limited to through the use of any interactive features on the Site, is governed by our Privacy Policy which is incorporated herein by reference and located at https://yourcreditresources.com/privacy-policy/ 

4. Changes to Terms of Use. Credit Resources, INC reserves the right, at our discretion, to change, modify or otherwise alter the Terms of Use at any time. All changes are effective immediately when we post them and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page regularly, so you are aware of any changes, as they are binding on you. Any changes to the Terms of Use will not apply retroactively.
5. Access to the Site 

  a. Account Registration. To access the Site or some of the resources it offers, you may be asked to provide specific registration details or other information. It is a condition of your use of the Site that all the information you provide on the Site is correct, current, and complete. 
  b. Account Security. You acknowledge that your account is personal to you and agree not to provide any other person with access to this Site or portions of it using your user name, password, or additional security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. 
  c. Changes to Site/Services. We reserve the right to withdraw or amend this Site, and any service or material we provide on the Site, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Site, or the entire Site, to users, including registered users. 
  d. Termination. We have the right to disable any user name, password or other identifiers, whether chosen by you or provided by us, at any time in our sole discretion if, in our opinion, you have violated any provision of these Terms of Use. Termination by Credit Resources, INC shall include removal of access to all Services, deletion of your password, and deletion of all related information and files. 

  e. Minimum Age. The Site and Services are intended solely for persons who are 18 years of age or older. Any access to or use of the Site or Services by anyone under 18 years of age is expressly prohibited. By accessing or using the Site or Services, you represent and warrant that you are 18 years old or older. We are super serious about this provision. No kids, please. 

6. Use of the Site 

a. Limited License. By using the Site and accepting these Terms of Use, Credit Resources, INC grants you a limited, personal, non-transferable, non-exclusive, revocable license to use the Site under these Terms of Use and to any additional terms and policies set forth by Credit Resources, INC. 
b. Prohibited Uses. You are expressly prohibited from: 
i. Using the Site or Services for any commercial or competitive purpose whatsoever without the express prior written permission of Credit Resources, INC. 
ii. Collecting personally identifiable information about others, including email addresses. 

iii. Using the Site and/or Services to generate unsolicited email advertisements or spam 

iv. Using any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent. 
v. Using any robot, spider or other automatic devices, process or means to access the Site for any purpose, including monitoring or copying any of the material on the Site. 
vi. Introducing any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful. 

vii. Taking any action that in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries). 

viii. Engaging in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which, as determined by us, may harm the Company or users of the Website or expose them to liability. 

ix. Otherwise, attempt to interfere with the proper working of the Site. You agree not to reproduce, distribute, create derivative works from, publicly display, publicly perform, license, sell, trade, or re-sell any content, software, products or services obtained through the Site without the express permission of Credit Resources, INC. 

 Credit Resources, INC reserves the right to determine whether or not your use of the Site or Services is consistent with the Terms of Use. We may suspend, restrict, or terminate your use of the Site or Services if your use breaches or fails to comply with any of the Terms of Use. Additionally, we may seek any and all other remedies available to us, including seeking damages relating to any breach or failure to comply with any of the Terms of Use. 

7. User Submitted Content. The Site may provide you the opportunity to post reviews, advice, comments, ratings, discussions, and other content (“User Content”). You agree not to post any User Content that is illegal, obscene, threatening, defamatory, invasive of privacy, or infringing of intellectual property rights. You further agree not to post any User Content that contains commercial solicitation. By posting User Content, you grant Credit Resources, INC a non-exclusive, royalty-free, perpetual, irrevocable and fully sub-licensable right to use, reproduce, modify, adapt, publish, create derivative works, and display such User Content throughout the world in any media. Credit Resources, INC reserves the right but not the obligation to review, edit, post, refuse to post, and remove User Content. 

8. Copyright Infringement Notice. If you are a copyright owner or such owner’s agent and believe any material on our Site constitutes an infringement on your copyright, please provide notification to the address listed below setting forth the following information: (a) a physical or electronic signature of the copyright owner or a person authorized to act on his behalf; (b) identification of the material that is claimed to be infringing; (c) your contact information, including your address, telephone number, and an email; (d) a statement by you that you have a good faith belief that use of the material is not authorized by the copyright owners; and (e) the a statement that the information in the notification is accurate, and, under penalty of perjury you are authorized to act on behalf of the owner. Contact information for Credit Resources, INC Copyright Agent for notice of claims of copyright infringement is as follows: 15100 Hutchison Road. Suite 122 Tampa, FL 33625  [email protected] 

9. Intellectual Property. The Site and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Credit Resources, INC, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. The material may not be copied, modified, reproduced, downloaded or distributed in any way, in whole or in part, without the express prior written permission of Credit Resources, INC, unless and except as is expressly provided in these Terms of Use. Any unauthorized use of the material is prohibited. 

10. Disclaimer of Warranties. AS PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE, ITS CONTENT AND ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT AND ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER BTC NOR ITS MERCHANTS, THIRD-PARTY CONTENT PROVIDERS OR LICENSORS NOR ANY OF THEIR OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS MAKES ANY WARRANTY OR REPRESENTATION AS TO THE OPERATION OF THE SITE OR THE CONTENT, ANY INFORMATION CONTAINED ON THE SITE OR THE PRODUCTS, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE. 

11. Limitation of Liability. AS PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL BTC, ITS AFFILIATES, SERVICE PROVIDERS, THIRD PARTY CONTENT PROVIDERS, MERCHANTS OR LICENSORS, PARTNERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE, ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF THE SITE, THE CONTENT, USER CONTENT, INCLUDING WITHOUT LIMITATION, ANY PERSONAL INFORMATION AND ANY OTHER INFORMATION CONTAINED IN THE SITE OR SUBMITTED BY YOU TO THE SITE (B) YOUR INABILITY TO USE THE SITE OR ANY SITES LINKED TO IT; (C) MODIFICATION OR REMOVAL OF CONTENT SUBMITTED ON THE SITE; (D) AFFILIATE OFFERINGS, PRODUCTS ACCESSIBLE THROUGH THE SITE; (E) ANY PRODUCTS OR SERVICES PURCHASED OR OBTAINED DIRECTLY FROM A THIRD PARTY CONTENT PROVIDER OR MERCHANT; (F) THESE TERMS OF USE OR (G) ANY IMPROPER USE OF INFORMATION YOU PROVIDE TO THE SITE, INCLUDING, WITHOUT LIMITATION, ANY PERSONAL INFORMATION. IN NO EVENT WILL BTC’s LIABILITY IN CONNECTION WITH A PRODUCT AND OTHER AVAILABLE PROGRAMS EXCEED THE AMOUNTS PAID FOR THE APPLICABLE PRODUCT OR SERVICE. THE LIABILITY LIMITATIONS IN THIS SECTION ARE NOT INTENDED TO LIMIT ANY WARRANTY PROVIDED DIRECTLY BY A THIRD PARTY CONTENT PROVIDER OR MERCHANT. 

12. Indemnification and Release. You agree to defend, indemnify and hold harmless Credit Resources, INC, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Site, including, but not limited to (a) any violation of the Terms of Use by you (b) your use of the Site or Services (c) information provided by you to Credit Resources, INC that you submit, transmit or otherwise make available through the Site or (d) any violation of any rights of another or harm you may have caused. Credit Resources, INC shall retain sole control of the defense of any such claim. This indemnification provision shall be construed broadly in favor of Credit Resources, INC. You are solely responsible for your interactions with Merchants and other users of the Site. To the extent permitted under applicable laws, you hereby release Credit Resources, INC from any and all claims or liability related to any product or service of a Merchant, regardless of whether such product or service is available through the Site, any action or inaction by a Merchant, including, without limitation, but not limited to any harm caused to you by action or inaction of an Merchant, an Affiliate’s failure to comply with applicable law and/or failure to abide by the terms of a other product or service purchased or obtained by you from the Merchant, any other third-party. 

13. Force Majeure. Credit Resources, INC shall be excused from performance under these Terms of Use, to the extent it is prevented or delayed from performing, in whole or in part, as a result of an event or series of events caused by or resulting from weather conditions or other elements of nature or acts of God, acts of war, acts of terrorism, insurrection, riots, civil disorders, or rebellion, quarantines or embargoes, labor strikes, error or disruption to major computer hardware or networks or software failures or other causes beyond the reasonable control of Credit Resources, INC. 

14. Assignment. You may not assign these Terms of Use, or any rights, benefits, or obligations hereunder, by operation of law or otherwise, without the express written permission of Credit Resources, INC. Any attempted assignment that does not comply with these Terms of Use shall be null and void. Credit Resources, INC may assign these Terms of Use in whole or in part, to any third-party in its sole discretion. 

15. Entire Agreement. The Terms of Use, including, without limitation, the incorporated Privacy Policy and other terms incorporated by reference, constitute the sole and entire agreement between you and Credit Resources, INC with respect to the Site and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Site. 

16. Governing Law and Jurisdiction. All matters relating to the Site and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Indianapolis without giving effect to any choice or conflict of law provision or rule. Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Indianapolis in Berrien County. You waive any and all objections to the exercise of jurisdiction over you by such courts and venue in such courts. 

17. Arbitration. At Credit Resources, INC sole discretion, it may require you to submit any disputes arising from the use of these Terms of Use or the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Indianapolis law. 

18. Additional Disclosures. No waiver of by you or Credit Resources, INC of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Credit Resources, INC to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect. You are contracting with Credit Resources, INC. Correspondence should be directed to Credit Resources, INC, 15100 Hutchison Road, Tampa, FL 33625 Suite 122, Attn: Legal Department. The provisions of these Terms of Use apply equally to and are for the benefit of, Credit Resources, INC, and its third-party content providers and licensors, and each shall have the right to assert and enforce such provisions directly.

15100 Hutchison Road. Suite 122 Tampa, FL 33625

Email: [email protected]  

We rely on the following legal grounds to process your personal information:

• Consent. We may use your personal information as described in this Privacy Policy subject to your consent. To withdraw your consent, please contact us at [email protected]. 
• Performance of a contract. We may need to collect and use your personal information, as applicable, to perform our contractual obligations.
• Legitimate Interests. We may use your personal information for our legitimate interests to provide our products, our partners’ products, and our services and to improve our services and the content on the website. We may use technical information as described in this Privacy Policy and use personal information for our marketing purposes consistent with our legitimate interests and any choices that we offer or consents that may be required under applicable law.
• Legal Compliance. We may collect and use your information in connection with legal obligations to which we are subject. These legal obligations include, but are not limited to, any and all applicable (i) federal, state, or local laws, rules, or regulations, (ii) court orders, or (iii) consent decrees.

We may use information that we collect about you, including personal information, to:

• Provide Products and Services. We will use your information to provide our products, our partner’s products, and our services to you; to respond to your inquiries, and for other customer service and support purposes. We use the payment information you provide to us in order to alert you of past, current, and upcoming charges, to allow us to present the purchase history to you, and to perform internal finance processes, such as looking the status of a credit card charge. In the event of a credit card dispute, we also share account information with your bank to verify the legitimacy of a charge.
• Understand and improve our products. We will perform research and analysis about your use of, or interest in, our products, our partner’s products, our services, or content, or products, services or content offered by others. We do this to help make our products better and to develop new products.
• Communicate with you.
• Service-related communications. We may send you service and administrative emails to ensure the products or services are working correctly. These messages are considered part of the service, and you may not opt-out of these messages.
• Promotional. Subject to your opt-out preference, we may send you emails about new product features or other news about Credit Resources, INC or on topics we think would be relevant to you. You may opt-out of receiving these communications at any time by using the unsubscribe link at the bottom of the applicable email or sending us a request at [email protected]
• Responding to your requests. We will also use your information to respond to your questions or comments.
• Administrative. We may contact you to inform you about changes in our services, our service offering and other important service-related notices, such as changes to the Privacy Policy or about security or fraud notices.
• Advertising. Subject to your opt-out preferences, we may develop and display content and advertising tailored to your interests on our services and other sites.
• Protecting Rights and Interests. We will use your information to protect our rights and interests as well as the rights and interests of our users and any other person, as well as to enforce this Privacy Policy or our Terms of Service.
• Legal Compliance. We may use your information to comply with applicable legal or regulatory obligations, including informal requests from law enforcement or other governmental authorities.
• Other. We also may use your information to manage our business or perform functions as otherwise described to you at the time of collection subject to your consent. Please read all online agreements carefully before accepting them.

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