Terms of Use

IMPORTANT DISCLOSURE: SmartCredit and Consumer Direct^® are not affiliated with the annual free credit report program. Under Federal law, you have the right to receive a free copy of your credit report periodically from each of the three nationwide consumer reporting agencies. To request your free annual report under that law, you must go to www.annualcreditreport.com.

* - The Smart Credit Report^® is new credit and communications technology patented under USPTO 7,818,228 and is not a credit report as traditionally known or viewed, nor is it prepared by or obtained as a file disclosure from a National Credit Reporting Agency. It is entirely different containing additional data, formatting and print restrictions that are not similar to a credit report. The Smart Credit Report^® is a communications medium for consumers and their creditors. Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law for a free credit report.

Please thoroughly read this agreement.

BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

INTELLECTUAL PROPERTY OWNERSHIP

ConsumerDirect^® (and its licensors, where applicable) own all right, title and interest, including all related intellectual property rights (trademark, copyright, patent or otherwise), in and to the website and any suggestions, ideas, enhancement request, feedback, recommendations or other information provided by you or any other party relating to the website.

The Terms of Use do not constitute a sale and do not convey to you any rights of ownership in or related to the website or any intellectual property rights owned by ConsumerDirect^® or its licensors. ConsumerDirect^®'s name, logo, and the product names associated with the website and services offered therefrom are trademarks of ConsumerDirect^®, its affiliated companies or third party licensors, and no right or license is granted to use them.

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our web sites and systems, including, but not limited to, unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on the site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by us and/or our affiliates.

LINKS

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF US). WE HEREBY DISCLAIM LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, WE DO NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR ARE WE LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM OURS AND THE THIRD PARTY WEB SITE MAY PROVIDE LESS SECURITY THAN OUR SITES.

NO WARRANTY

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS," "AS AVAILABLE." WE DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY

IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF WE, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

SUBMISSIONS

All information submitted to us via this site shall be deemed and remain our property and we shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides us through our sites. We shall not be subject to any obligations of confidentiality regarding submitted information, except as agreed to by us, having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing our responsibilities and obligations to customers in accordance with our Privacy Policy for Consumers.

AVAILABILITY

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY US TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

ADDITIONAL TERMS

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these Terms of Use. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. We and this website, and/or third party services providers, where applicable, are licensed and bonded, where it believes applicable by rules and regulations may require.

Governing Law

Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of California. Legal venue, for any actions, shall be 'exclusively and only' in the State and County of Defending Party.

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF SERVICE PROVIDERS:

DESIGNATED AGENT

PURSUANT TO SECTION 512(c)(2) OF THE COPYRIGHT REVISION ACT, AS AMENDED BY THE DIGITAL MILLENNIUM COPYRIGHT ACT ("Act"), WRITTEN NOTICE OF ANY CLAIMED COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF SERVICE PROVIDERS UNDER SECTION 512 OF THE ACT MUST BE SUBMITTED TO OUR DESIGNATED AGENT NAMED BELOW. ANY NOTICE SENT TO THE DESIGNATED AGENT MUST MEET THE REQUIREMENTS OF SECTION 512(C)(3) OF COPYRIGHT REVISION ACT, AS AMENDED BY THE DIGITAL MILLENNIUM COPYRIGHT ACT. SERVICE PROVIDER(S): WE, THIS SITE, ConsumerDirect^® AND ANY AFFILIATES, INCLUDING SUBSIDIARIES, OF THE ABOVE.

Name of Agent Designated to Receive Notification of Claimed Infringement:

National Registered Agents Inc.

Designated Agent's Address:

330 N Brand Blvd., Glendale, CA 91203-2336

Telephone and fax of Designated Agent:

Tel: (800) 767-1553 Fax: (609) 716-0820

NOTE: ALTHOUGH NOT REQUIRED, IT IS RECOMMENDED THAT NOTIFICATIONS BE SENT BOTH BY FAX AND BY EMAIL AND THAT ANY EMAIL NOTIFICATION INCLUDE "NOTICE OF ALLEGED SERVICE PROVIDER INFRINGEMENT" IN THE SUBJECT LINE OF THE EMAIL.

This contact information is provided only for the purposes stated above. We cannot respond to OTHER INQUIRIES, SUCH AS REQUESTS to open or service accounts or otherwise conduct business with us or our affiliates.

Modification of the Websites & Terms of Use

ConsumerDirect^® reserves the right, at its sole discretion, to modify or replace any of these Terms of Use, or change, suspend, or discontinue the website (including, without limitation, the availability of any feature, service, database, or content) at any time by posting a notice on the website or by sending you notice via contact information provided by you through the website, including e-mail. ConsumerDirect^® may also impose limits on certain features and services or restrict your access to parts or all of the website without notice or liability.