Please read the following terms and conditions carefully before using the Web Site.

Acceptance of Terms of Use

BetterCredit101.com, (“BetterCredit101.com”, “us” or “we”) makes information, products, and services available on the Web Site, subject to the following terms and conditions of use (the “Terms of Use”). These Terms of Use also apply to any updates, enhancements, new features, Web Site forums, widgets, and new web properties (collectively, “Web Site”). By using the Web Site, you represent to BetterCredit101.com that you have read, understood, and agreed to all terms, conditions, and notices contained or referenced in these Terms of Use. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THE WEB SITE.

Permission to Use the Web Site

You have our permission to use the Web Site, but only if you are over 13 years old and you follow all the rules and restrictions set forth in these Terms of Use. If you are applying for an extension of credit on the Web Site with one of BetterCredit101.com’s Providers, you must be an adult resident of the United States, its Commonwealths or its Territories (collectively, the “USA”). By applying for an extension of credit, you warrant and represent to BetterCredit101.com and to the relevant Provider(s) (as defined below) that you are an adult resident of the USA.

To ensure that BetterCredit101.com provides a high-quality experience for you and other users of the Web Site, you acknowledge and agree that BetterCredit101.com or its representatives may investigate complaints, allegations of abuse, infringement of third-party rights, or other unauthorized uses of the Web Site. BetterCredit101.com is not required to disclose such an investigation unless required to do so by law. BetterCredit101.com will cooperate fully with any law enforcement agencies in their investigation of the violation of any applicable laws. If you violate any provision of this section of the Terms of Use, BetterCredit101.com may terminate your access to the Web Site, including without limitation, terminating your account, without notice. You agree to indemnify BetterCredit101.com and any third parties Provider(s) for any claims against BetterCredit101.com or any third parties arising from your violation of these Terms of Use.

Accounts; Passwords; Security

You may need to set up an account in order to use some of the features of the Web Site. You may not use someone else’s account without permission. When you are setting up your account, you must give us accurate and complete information. This means that you cannot set up an account using someone else’s name or contact information, or a phony name or phony contact information. You have complete responsibility for your account and everything that happens on your account. This means you need to be careful with your password. If you find out that someone is using your account without your permission, you must let us know immediately. You may not transfer your account to someone else. We are not liable for any damages or losses caused by someone using your account without your permission.

Disclaimer of Warranties

THE WEB SITE AND THE WEB SITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” BETTERCREDIT101.COM DISCLAIMS ALL EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES, AND CONDITIONS, INCLUDING IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. NEITHER BETTERCREDIT101.COM NOR ITS LICENSORS MAKE ANY REPRESENTATIONS, WARRANTIES, OR GUARANTIES AS TO THE QUALITY, RELIABILITY, SUITABILITY, TRUTH, ACCURACY, OR COMPLETENESS OF THE WEB SITE CONTENT. BETTERCREDIT101.COMDISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THE WEB SITE ITSELF OR ANY PRODUCT OR SERVICE OFFERED THROUGH THE WEB SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR FROM ANY PARTICULAR LOCATION OR THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED. THE WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. YOUR USE OF THE WEB SITE IS SOLELY AT YOUR RISK.

ALTHOUGH BETTERCREDIT101.COM STRIVES TO PROVIDE INFORMATION THAT CONSUMERS MAY FIND HELPFUL, THIS INFORMATION SHOULD NOT BE CONSIDERED CREDIT OR LEGAL ADVICE. YOU SHOULD NOT USE THE GENERAL INFORMATION PROVIDED ON THE WEB SITE AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT PROFESSIONAL.

Some states or other jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. You also may have other rights, which may vary from state to state and jurisdiction to jurisdiction.

Scope

These Terms of Use apply to the Web Site, and are in addition to the specific terms and conditions associated with the products and services on the Web Site. If these Terms of Use are not consistent with the specific terms that apply to the information, products, or services offered on the Web Site, then the specific terms that apply to that information, those products, or those services will apply.

Reservation of Rights

Any rights not expressly granted in these Terms of Use are reserved by BetterCredit101.com, and BetterCredit101.com reserves the right to seek all remedies available by law and in equity for any violation of these Terms of Use.

Changes to Terms of Use

BetterCredit101.com reserves the right to update or revise any part of these Terms of Use and the information, products, services, prices, and programs offered or mentioned on the Web Site at any time, without notice. Any changes will be effective immediately upon the posting of the updated Terms of Use on the Web Site.

General

BetterCredit101.com’s failure to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of that right or provision. The section titles in these Terms of Use are for convenience only and have no legal or contractual effect.

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