Privacy Policy
This Privacy Policy (“Policy”) applies to this website (“Site”) and any other website and/or mobile apps owned and operated by Credit Associates, LLC and its affiliates (collectively, the “Company”).
We take our ethical responsibilities and your privacy seriously. We have a strong commitment to providing excellent service to all our clients and visitors to this website, including respecting your concerns
about privacy. This Policy describes how we and our affiliates collect, protect, use, share and retain your personal information when visiting our Site. By accessing or using our Site, you signify that you have
read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Policy and our Terms of Use, available on our Site. We hope that this disclosure
will help increase your confidence in our website and enhance your experience.
PERSONAL INFORMATION WE COLLECT
For the purposes of this Policy, “personal information” shall mean individually identifiable information from or about an individual. Most commonly, we may collect the following information:
- Information you provide: full name, email address, home address and telephone number for product or service inquiries;and for products and services, bank account details, Social Security number (SSN), and total debt amount; for employment applications we may collect educational background, employment experience and job interest information.
- Information from third parties: credit reporting data (accounts, pay history, balances), lead generation data;
- Information from surveys: Survey information collected may include characteristics, preferences, behaviors, attitudes, ability, intelligence predispositions, etc. We collect this information in order to improve our services and products and to improve your experience with us.
- Information from cookies or tracking technologies: We may collect information including the pages you view, the links and advertisements you click, search terms you enter, and other actions you take in connection with our Site and services. We may also collect certain information from the browser you used to come to our Site, such as your Internet Protocol (IP) address, browser type and language, access times, the Uniform Resource Locator (URL) of the website that referred you to our Site and to which URL you browse away from our site if you click on a link on our Site.vidual. Most commonly, we may collect the following information:
When submitting any information to us for these activities, the forms that you choose to complete will indicate whether the information requested is mandatory or voluntary.
In order to offer you a more consistent and personalized experience in your interactions with the Company, information collected through one source may be combined with information we obtain
through other sources. This may include information that allows us to identify you across multiple devices through which you access our Sites. We may also supplement the information we collect with
information obtained from other parties, including our business partners and other third parties.
Some Company services may be co-branded and offered in conjunction with another company. If you register for or use such services, both parties may receive information collected in conjunction with
the co-branded services and may use the information according to each company’s privacy statement and other agreements with you.
How We Use Personal Information
Personal information collected from you, or third parties is used to support:
- Use of our Site;
- Identity verification;
- Fulfillment of requests for quotes, services, support, downloads, trials, whitepapers or other requested information;
- Providing requested products or services;
- Event or webinar registrations;
- Subscriptions to newsletters, Company programs, promotional emails or other materials; Job applications, including resume/CV submissions or creating a candidate profile; or
- Providing you with interest-based or targeted advertising;
- Sending communications including service confirmations, information about Company programs in which you have chosen to participate, information about products and services available from the Company and promotional offers and surveys;
- Facilitation of communications from the Company business partners;
- Improvements to our Site and products or services;
- Enforcement of our conditions of sale, website terms and/or separate contracts (if applicable) with you;
- Fraud prevention and protection against security incidents, malicious, deceptive or other prohibited or illegal activities;
- Protection of the security or integrity of our website(s), our business(es), or our products or services; or
- Purposes otherwise disclosed to you at the point of collection.
The Company collects and subsequently stores all personal data within the United States.
Sharing Personal Information
We may also disclose your personal information in connection with law enforcement, fraud prevention or other legal action; as required by law or regulation; if the Company (or a part of the Company) is
sold or merges with another company; or if the Company reasonably believes it is necessary to protect the Company, its clients or the public.
Targeting Advertising
We may partner with third parties to display targeted advertising to you through social media platforms, such as Facebook and other social media forums. These companies have interest-based
advertising programs that allow us to direct advertisements to users who have shown interest in our services while those users are on the social media platform, or to groups of other users who share
similar traits, such as likely commercial interests and demographics. We may share a unique identifier, such as a user ID or hashed email address, with these platform providers or they may collect
information from our website visitors through a first-party pixel, in order to direct targeted advertising to you or to a custom audience on the social media platform. These advertisements are governed by
the privacy policies of those social media companies that provide them. If you do not wish to receive targeted ads on your social networks, you may be able to adjust your advertising preferences through
your settings on those networks. You can learn more about advertising preferences by clicking on the link provided below. Please note that this information is provided for your convenience only and we
do not control the content or features that may be available on these third-party services.
- Facebook. Learn more about your advertising preferences on Facebook Companies.
Cookies and Other Tracking Technologies
To support the function of our website and to provide you with a personalized experience while visiting our site, we may place small data files called “cookies” on your device.
A cookie is a piece of text that is placed on your computer or mobile device when you visit our website. Depending on the settings you have selected, your browser adds the text to your device as a small
file. Our Site uses cookies to enable you to sign into our services and to help personalize your online experience. These technologies and the information collected about you may also be used to track your
activity across multiple devices. We use cookies to store your preferences and other information on your computer in order to save you time by eliminating the need to enter the same information
repeatedly. Personal information including your IP address, X, and Y are collected by these cookies.
Cookies allow you to take advantage of some of the Company’s essential features. Many browsers are set to accept cookies by default. You have the ability to accept or decline cookies as you prefer. The
“Help” portion of your web browser, most likely found on the toolbar, typically tells you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a
new cookie, or how to disable cookies altogether. If you choose to decline cookies, you may not be able to sign in or use other interactive features of our Site and services that depend on cookies.
Additionally, our site may employ “clear gifs” which are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users and help us better
manage content on our site by informing us what content is effective. For example, we may use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This
allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are
embedded invisibly on webpages and are about the size of the period at the end of this sentence.
As is true of most websites, the information we automatically gather from cookies and clear gifs is then stored in a “log file.” We use this information to analyze trends, administer the Site, track users’
movements around the Site and to gather demographic information about our user base as a whole, such as age, gender and income.
We do not link this automatically collected data to personal information.
DISCLOSURE OF INFORMATION TO THIRD PARTIES
We may disclose your personal information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We prohibit the
sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (to opt-out, click the opt-out option below). We may share your personal
information with affiliated companies that are directly or indirectly controlled by, or under common control of the Company. We may send personal information about you to non-affiliated companies that
are not directly or indirectly controlled by, or under common control of the Company. The personal information collected on this site and by third parties will be used to operate the site and to provide the
services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may use your personal information to
provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible business uses.
We may use other third parties to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is
necessary for the provision of those services. These third parties are prohibited from using your personally identifiable information for any other purpose.
UNSUBSCRIBE FROM COMMUNICATIONS
We provide you with the opportunity to unsubscribe from promotional communications. If you no longer wish to receive promotional communications, you may opt-out here:
https://www.creditassociates.com/opt-out-email/ or by using the opt-out option on our Site below. For direct mail opt-out, you may opt-out here: Mail Opt Out (mail-opt-
out.org). If you do not wish to have your personal information collected by any third party that is not our agent/service provider, please contact our client service department at info@creditassociates.com
to opt-out of having your personal information shared. This opt-out provision is limited to any use of your personal information other than the management of your account. This election has no bearing on
your account status with the Company. Any change in your account status must be made in accordance with the provisions contained in your enrollment documents. To opt-out, email our client service
department at the above-referenced e-mail address with “opt-out” and your Client ID number in the subject line of your message.
SELL OR SHARE MY PERSONAL INFORMATION
California provides its residents the right to opt out of our sale of your personal information to third parties. Under California’s CCPA law, persons residing in California can request we not share their
personal information with any third parties. By clicking on this link, you may manage your preferences. We do not advertise or target our business to consumers who are under the age of 18. If personal
information is collected and is discovered to be about an individual under the age of 18, we will immediately take steps to remove such information and cease selling any information about that person.
SECURING THE TRANSMISSION AND STORAGE OF INFORMATION
The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and
once we receive it. Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number
and/or social security number) on our registration or order forms. This ensures that your personal information is encrypted. SSL is an industry-standard protocol for encryption over the internet. After
personal information reaches the Company, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of the Company. You can help to maintain the
security of your online transactions by not sharing your personal information or password with anyone. We strive to use commercially acceptable means to protect your personal information, however no
security system is impenetrable, and we cannot guarantee its absolute security. In the event that any personal information under our control is compromised as a result of a breach of data security, we will
take reasonable steps to investigate the situation and, where appropriate, notify those individuals whose information may have been compromised and take necessary steps in accordance with any
applicable laws and regulations. If you have any further questions, please call 1-800-348-7606 or email us at: info@creditassociates.com.
LINKS TO OTHER SITES
This Site may contain links to other sites such as our affiliates as well as third parties which are not owned or controlled by us. Please be aware that this privacy policy only addresses our Company’s use and
disclosure of your information collected on this Site.
While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site
and to read the applicable privacy policies and terms of conditions of each and every website that collects personally identifiable information.
This privacy statement applies only to information collected by the Company.
CO-BRANDED SITES
We may be co-branded with partners and affiliates. These business-to-business relationships are helpful to us and to you as they provide greater product and service opportunities.
We always provide opt-out opportunities regarding the sharing of your personal information with such partners and affiliates. Please note: the sites linked to our site are governed by their own privacy
policies which may or may not reach the standards set by our Company.
CLIENT SERVICE
If you send us correspondence, including emails, voicemails, forms, chat sessions and faxes, we may retain such information in your client file. The information you provide us over the telephone may be
noted in your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our
client service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for client satisfaction or training purposes.
Based upon the personal information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in
accordance with your wishes.
Information we receive from authentication services may be used to connect you to our services. Some parts of our services may allow you to login through a third-party social network or authentication
service such as Facebook. These services will authenticate your identity and provide you with the option to share certain personal information with us, which could include your name, email address,
address book and contacts, or other information. The data we receive is dependent on that third party’s policies and your privacy settings on that third-party site. If you choose to connect a Google or
Gmail account to our Sites, we will ask you to grant us application permissions to access your Gmail account. These permissions are necessary to sustain the functionality of our Sites. We will store your
authentication token and account email address. This data will be securely stored to be used by us to provide you with the product or service (including but not limited to logging into your account and
sending emails). This data will not be voluntarily shared with any third parties, but we may provide this information to legal authorities upon their lawful request. Should you choose to disconnect your
Gmail account or decide to close your account, any information from Google that is stored on our servers will be removed permanently. We do not use data obtained from our clients (from their Google
accounts) for advertising purposes. We may need access to the user data to resolve a support issue, provide advice on service usage or provide any other help requested by the user, or as such access may
be necessary for a security investigation or to comply with applicable laws.
We may offer Face ID, Touch ID or fingerprint authentication as a log-in method if you access the Service through an Apple or Android device equipped with authentication technology. We are only
notified as to whether the authentication was successful and cannot access the data associated with the enrolled fingerprint. For more details, please refer to the fingerprint security guides offered by your
device provider.
LEGAL DISCLAIMERS
We reserve the right to disclose your personal information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or
subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud
protection etc.).
SUPPLEMENTATION OF INFORMATION
In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources.
BUSINESS TRANSITIONS
In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personal information will likely be among the
assets transferred. You will be notified via email and/or a prominent notice on our Site for 30 days of any such change in ownership or control of your personal information.
RIGHT TO ANTI-DISCRIMINATION
The Company does not and will not discriminate against any customer or client that exercises their rights under the California Consumer Privacy Act (CCPA). Those rights include requests to access
personal information, to delete information, and to opt out of the sale of personal information.
The statutory language specifies that discrimination includes, but is not limited to:
- (a) denying goods or services to consumers;
- (b) charging different prices or rates for goods or services, including through the use of discounts, benefits, or other penalties;
- (c) providing a different level or quality of goods or services; and
- (d) suggesting that a consumer will receive a different price or quality of goods or services if the consumer exercises rights under the law.
The CCPA provides certain exceptions to the general prohibition on discrimination. Businesses may charge consumers different prices or offer different levels of service if the difference is “reasonably
related to the value provided to the consumer by the consumer’s data.” The CCPA also permits businesses to offer financial incentives—including payments to consumers as compensation for the
collection, sale, or deletion of personal information—if the programs are not “unjust, unreasonable, coercive, or usurious in nature,” and if businesses notify consumers of these financial incentives, obtain
opt in consent prior to enrolling a consumer in a financial incentive program, and provide consumers with the opportunity to revoke consent for such programs at any time.
The Challenge of Calculating the Value of the Data to the Consumer
Prohibited discrimination under the CCPA includes offering different prices, qualities of goods, or levels of service. But businesses are permitted to offer different prices or levels of service, if the difference
is “reasonably related to the value provided to the consumer by the consumer’s data.”
The Practical Impacts on Businesses’ Data Sharing Relationships
In light of the broad definition of “sale,” consumers’ right to opt out of the sale of their personal information could disrupt many existing data sharing relationships. Businesses or affiliates exchanging data
about their mutual customers, even as part of a broader relationship, could potentially be viewed as engaging in a “sale” if it could be viewed as in exchange for “other valuable consideration.” Such “sale”
transfers would therefore be subject to consumer opt out. And this broadly framed right to opt out of the sale of personal information, combined with the anti-discrimination provision, has the potential to
significantly impact data-supported business models.
NEW REQUIREMENTS ON CHILDREN’S AND TEEN’S DATA
The CCPA prohibits businesses from selling data of consumers that they have actual knowledge are under the age of 16, unless they have received opt-in consent (i.e., affirmative authorization) for such
sale from: (1) for consumers under the age of 13, the consumer’s parent or guardian; or (2) for consumers aged 13-16, the consent of the consumer. A business that willfully disregards the consumer’s age is
deemed to have actual knowledge of the consumer’s age. Cal. Civ. Code § 1798.120. The Company does not advertise or target its business to consumers that are under the age of 16. If personal information
is collected and is discovered to be about an individual under the age of 16, the Company will delete the information.
ACCESS TO PERSONAL INFORMATION
If your personal information changes, or if you no longer desire our products or services, you may correct, update, delete or deactivate same by emailing our Client Support by contacting us by telephone
or postal mail at the contact information listed below.
REQUEST TO KNOW
You have the right to request that the Company disclose certain information to you about our collection and use of personal information over the past 12 months. Once we receive and confirm your
verifiable consumer request, we will disclose to you:
The collection of personal information we collected about you;
The collection of personal information we collected about you;
- The categories of sources for the personal information we collected about you;
- Our business or commercial purpose for collecting or selling that personal information;
- The categories of third parties with whom we share that personal information;
- The specific pieces of personal information we collected about you; and
- If we sold or disclosed your personal information for a business purpose, and, if so, the following information:
- Sales, identifying the personal information categories that each category of recipient purchased; and Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Sales, identifying the personal information categories that each category of recipient purchased; and Disclosures for a business purpose, identifying the personal information categories that each
category of recipient obtained.
If you have any further questions regarding this matter, please call 1-800-348-7606 or email us at: info@creditassociates.com.
USE OF A.I. VOICEBOTS
Our telephone calls may use a virtual agent/assistant, and are monitored and recorded, including through a third-party AI platform that transcribes and analyzes the contents of communications to assist in improving the quality of our calls and for training purposes and, in some instances, providing real-time AI support for agents and clients. The AI platform may be accessed by third party employees and contractors, including some outside the US, in order to carry out services and improve the platform’s capabilities. The AI platform we rely on uses robust data protection measures, including anonymization of phone numbers on request and SSL encryption for secure data transmission.
SSL ENCRYPTION FOR SECURE DATA TRANSMISSION
By implementing SSL encryption, we ensure that all data transmitted through voicebots remains secure and protected from interception. This approach is crucial for maintaining the confidentiality and integrity of sensitive information exchanged between users and the AI Voice Bot.
SUMMATION OF CONSUMER RIGHTS
The Company adheres to the California Consumer Privacy Act (“CCPA”) by offering the following rights to our consumers. The right to know what personal information we collect, maintain, disclose, or sell
about you. The right to delete the personal information we maintain about you. The right to opt-out of the sale of your personal information. The right to non-discrimination for exercising these rights.
The ability to use a designated authorized representative to exercise your rights on your behalf.
The Company also provides the ability for you to unsubscribe from marketing communications you may receive via phone, email, or postal mail.
CHANGES TO THIS PRIVACY STATEMENT
We reserve the right to modify this privacy policy at any time. We will not jeopardize your privacy. The provisions contained in this privacy policy supersede all previous notices or policies regarding our
privacy practices with respect to this Site. Any and all changes will be made here, to this privacy policy. .
We encourage you to visit our Site frequently to review the current privacy policy and to be informed of how we are committed to protecting your personal information and providing you with improved
content on our Site to enhance your online experience. Upon any material changes to the policy, we will post those changes to this privacy policy, and other locations that we deem appropriate, so you are
aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
This policy was last reviewed in February 2026.
CONTACT US
If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at:
CreditAssociates,LLC
info@creditassociates.com
Terms of Service
CreditAssociates may provide the “User” with access to its website content, resources, tools for communication, public forums, commerce platforms, and other services (the “Service”). Your use and
interactions on this website may be monitored and recorded. CreditAssociates provides its Service to the User, subject to the following Terms.
CreditAssociates is not responsible for providing you access facilities or equipment (in any form) to its Service. You, the “User” or “You”, also agree that the Service may include advertisements, analytics and
sponsorships and that such things are necessary for CreditAssociates to provide the Service. You also agree that CreditAssociates makes no representation or warranty about the suitability, reliability,
availability, timeliness, accuracy of the information, products, services and related graphics contained within the Service for any purpose. The Service is provided “as is” without warranty of any kind.
CreditAssociates hereby disclaims all warranties and conditions with regard to the Service.
THE SERVICE IS SUBJECT TO ANY APPLICABLE RETAINER AGREEMENTS AND DISCLAIMERS.
ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE
The Service is provided to User under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by CreditAssociates as part of its
Terms of Service and related disclosures which are cumulatively included herein by reference. The CreditAssociates Terms of Service comprise the entire agreement between the User and CreditAssociates
and supersedes any prior agreements pertaining to the subject matter contained herein. BY CLICKING THE “SUBMIT” BUTTON, YOU ARE AGREEING TO BE BOUND BY THE CreditAssociates Terms of
Service, Legal Disclaimer and applicable terms of the Retainer Agreement.
MODIFICATION OF THESE TERMS OF USE
CreditAssociates reserves the right to change any of the terms, conditions, and notices under which the Services are offered. You are responsible for regularly reviewing these terms and conditions,
including changes/modifications, if any, incorporated by us from time to time. Your continued use of the Service constitutes your agreement to all such terms, conditions, and notices.
MODIFICATION TO THE SERVICE
CreditAssociates reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part of the Service) with or without notice to the User at any time and from time to time. The
User agrees that CreditAssociates shall not be liable to the User or any third party for any modification or discontinuance of the Service.
USER CONDUCT
The Service may include e-mail services, message boards, chat areas, newsgroups, forums, communities and/or other message or communication facilities designed to enable you to communicate with
others (collectively, “Tools for Communication”). You agree to use the Tools for Communication only to post, send and receive messages and material that are proper and, when applicable, related to the
particular tool for Communication. You also hereby agree that you shall not make use of the Service for any commercial purpose, including reselling and/or co branding/private labeling. As a condition of
your use of the Service, you agree to provide: (a) true, accurate, current and complete information about yourself; (b) maintain and promptly update your information to keep it accurate, current and
complete. If you provide any information that is untrue, inaccurate, not current or incomplete, CreditAssociates has the right to terminate the User account and refuse any and all current or future use of
the Service; and (c) CreditAssociates has the right to use / disclose the aggregate information to third parties in connection with marketing of services, subject to the privacy policy. You also hereby grant
CreditAssociates the right to use your information to provide advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and
services and to contact/inform you through e-mail or otherwise about special offers or new products.
USAGE OBLIGATIONS
As a condition of your use of the Service, you will not use the Service for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through the Service. You agree not
to use the Service to: (a) Obstruct or hinder the use and enjoyment of the Service by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any
person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt the Service or servers or networks connected to the Service, or defy any
requirements, regulations or guidelines of networks connected to the Service; (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming,
contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging,
intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another’s privacy, or transmit anything that is ethnically or otherwise objectionable; (g) Upload, post, e-mail,
transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all
necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any
computer or telecommunications equipment or property of another; (i) “Stalk” or otherwise harass other users; collect or store personal data about other user;. (j) Advertise, promote or offer to sell or buy
any goods or services for any business purpose unless the Service specifically allows such messages or transactions; (k) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any
portion, use or access of the Service; (l) Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law; or (m) Conduct any activity that would aid or assist terrorism or related
activity or would endanger U.S. military personnel.
CreditAssociates has no obligation to observe and monitor the Service. However, CreditAssociates reserves the right to review materials posted and to remove any materials. CreditAssociates also reserves
the right to terminate your access to any or all of the Services, at any time, without notice, for any reason whatsoever.
CreditAssociates reserves the right subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as
it considers necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part. These would
be more applicable to the publicly accessible areas of the Service that are intended to be available to the general public. For example, publicly accessible areas of the Service would include message boards
and chat rooms that are open to both registered users and visitors.
In view of the global nature of the World Wide Web, the User understands and agrees that technical processing of tools of communication is (and may be) required to send and receive messages, to
correspond/conform to the technical requirements of connecting networks, to correspond/conform to the limitations of the Service, or to correspond/conform to other, similar technical requirements.
DISCLAIMER
Registration information and certain other information about you are subject to our Disclaimer. For more information, see our Legal Disclaimer.
LIMITATION OF LIABILITY
You expressly understand and agree that to the extent permitted by law, CreditAssociates shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but
not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if CreditAssociates has been advised of the possibility of such damages), resulting from: (i) the use or the
inability to use the Service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions
entered into through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; (v) the provision of debt
settlement or negotiation Services; or (vi) any other matter relating to the Service.
ARBITRATION: PLEASE READ THIS CAREFULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF YOUR CLAIMS.
Except as provided in this paragraph, any controversy, claim or dispute between the parties arising out of or relating directly or indirectly to our agreement, this website, the performance of any services, or the breach, termination, enforcement, interpretation or validity thereof, including the scope or applicability of an agreement to arbitrate, and all claims between the parties based upon a violation of any state or federal constitution, statute or regulation, shall be determined exclusively by binding arbitration in Collin County, Texas, or in the county in which the you reside pursuant to the provisions of the Federal Arbitration Act, provided, however, any dispute about the validity, effect or enforceability of the prohibitions against class proceedings, consolidated proceedings, private attorney general proceedings, or other representative actions of any kind shall be resolved by a court and not by an arbitrator or arbitration administrator. Arbitration alters the venue for a dispute but does not change either party’s substantive rights. Arbitration frequently results in cost and time savings but also involves the waiver of the right to a jury trial, limited appeal rights, and a possible reduced level of discovery. The parties agree that any arbitration proceeding shall be administered by the American Arbitration Association (“AAA”) pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and comply with the AAA code of ethics. The award rendered by the arbitrator shall be final, binding on all parties, but subject to review in accordance with applicable statutes, rules and regulations governing arbitration awards. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator’s award, the injured party may petition the circuit court for enforcement. Provided your claim complies with Rule 11 of the Federal Rules of Civil Procedure, we will (a) reimburse you for the initial arbitration filing fee paid by you up to $1,000 upon receipt of proof of payment; and (b) if there is a hearing, we will pay all fees of the arbitrator and arbitration administrator directly to the arbitration administrator. Each party will bear the expense of the fees and costs of that party’s attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, except that the arbitrator shall apply any applicable law in determining whether a party should recover any or all its fees and costs from the other party. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator’s award, or fails to comply with the arbitrator’s award, the other party is entitled to costs of suit, including reasonable attorneys’ fees for having to compel arbitration or defend or enforce the award. If for any reason the AAA is unable, unwilling or otherwise unavailable to administer the arbitration, the parties agree the arbitration shall be administered by JAMS, The Resolution Experts. If for any reason JAMS, The Resolution Experts is unable, unwilling or otherwise unavailable to administer the arbitration, the parties agree the arbitration shall be administered by International Institute for Conflict Prevention and Resolution (“CPR”) or an alternate arbitration provider agreed to by the parties.
EXCEPTIONS: As an exception to arbitration, you retain the right to pursue in a small claims court any claim that is within that court’s jurisdiction and proceed on an individual basis. Additionally, at any time within 30 days of your consent to an arbitration agreement, you may opt-out of said arbitration agreement without impairing any other rights or obligations hereunder by notifying us by mail or email.
NO REPRESENTATIVE ACTIONS: The parties agree that all proceedings may be brought by either party against the other only in their or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person’s claims and may not preside over any form of representative or class proceeding.