Terms of Use

Welcome to the eCreditBuilder site ("Site") a web site operated by eCreditBuilder ("eCreditBuilder"). The Site provides services such as budgeting tools, credit rebuilding and credit protection (collectively, "Services") and financial assistance data and information (collectively “Content”).

The Site, the Services and the Content are provided to you subject to your agreement to be bound by these terms and conditions of use ("Terms and Conditions"). BY CLICKING THE BOX BELOW, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH ONE OR MORE OF THESE TERMS AND CONDITIONS, PLEASE DO NOT CLICK THE BOX AND ACCESS OR USE THE SITE OR THE SERVICES.

1. Use of the Site

Except as expressly provided in these Terms and Conditions, any creation of derivative works based on the Site, the Services and/or the Content, in whole or in part, and any exploitation of the Site or the Services is strictly prohibited. You acquire absolutely no rights or licenses to the Site, the Content or the Services other than the limited right to use the Site, the Content and the Services in accordance with these Terms and Conditions. We reserve the right to suspend or terminate your use of the Site, the Services or the Content immediately, without notice, in our sole discretion.

2. Privacy

By accessing and using this Site, you are consenting to the collection, use and disclosure of your personal information in accordance with the eCreditBuilder Privacy Policy.

3. Exclusion of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW,ECREDITBUILDER AND/OR ITS SUPPLIERS DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THE SITE, THE CONTENT AND THE SERVICES WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE.” IN PARTICULAR, ECREDITBUILDER, ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS DO NOT REPRESENT OR WARRANT TO YOU THAT:

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ECREDITBUILDER OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

4. Limitation of Liability

SUBJECT TO OVERALL PROVISION IN PARAGRAPH 3 ABOVE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT ECREDITBUILDER, ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS SHALL NOT BE LIABLE TO YOU FOR:

THE LIMITATIONS ON ECREDITBUILDER'S LIABILITY TO YOU IN THE PARAGRAPH ABOVE SHALL APPLY WHETHER OR NOT ECREDITBUILDER HAS BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES ARISING.

5. Intellectual Property Rights

You acknowledge and agree that eCreditBuilder (or eCreditBuilder’s licensors) own all legal right, title and interest in and to the Services and Content, including any intellectual property rights which subsist in the Services and Content (whether those rights happen to be registered or not, and wherever in the world those rights may exist). You further acknowledge that the Services may contain information which is designated confidential by eCreditBuilder and that you shall not disclose such information without eCreditBuilder’s prior written consent. Any unauthorized use of the Site, the Content or the Services or the trade-marks, trade names, copyright or other intellectual property rights of eCreditBuilder or its licensors is strictly prohibited, and we reserve the right to take such steps as we deem necessary, including legal action, to enforce such rights.

6. Conformance with Law

You agree to use the Site, the Content and the Services for lawful purposes only and in a manner consistent with all applicable local, national or international laws, rules and regulations. Potential users in any jurisdiction where laws (whether common or statutory) would: (i) void these Terms and Conditions in whole or in any essential part (the essential parts being at least, but not only, the provisions relating to the governing law and the disclaimer and limitation of liability); or (ii) render accessing the Site or the Content, or using the Services, illegal, are not authorized to use the Site, the Content or the Services.

7. Policy on Links to Third Party Web Sites

The Site may contain links to third party web sites. eCreditBuilder does not represent, guarantee, or endorse any web site that you may access from this web site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings. You are responsible for protecting your system from viruses and other invasive items.

8. International Use

Because you can access this web site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States, Canada or the country of your residence.

9. Applicable Law

The materials in this web site are designed for use by residents of Canada. eCreditBuilder controls and operates this web site through its corporate headquarters within the Province of British Columbia. These Terms and Conditions shall be governed, interpreted, and enforced according to the laws of the Province of British Columbia, Canada, regardless of conflict of laws rules.

10. Indemnification

You agree that your use of the Site, the Content or the Services shall not be made the basis for any claim, suit, demand or cause of action or other proceeding against eCreditBuilder and/or its licensors. You agree, at your own expense, to indemnify and hold eCreditBuilder and our directors, officers, employees, representatives, agents and licensors harmless against any claim, suit, demand, action or other proceeding brought against us, our directors, officers, employees, representatives, agents and licensors by a third party as a result of your breach of these Terms and Conditions.

11. Severability

If any provision of this Agreement is held by a court of competent jurisdiction in any jurisdiction to be illegal, invalid or unenforceable, such provision shall be deemed to be severable and the remaining provisions shall remain in force and effect.

12. No Waiver

No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

13. Electronic Communications

By accessing this Website or sending electronic mail to eCreditBuilder you are communicating with eCreditBuilder electronically. By doing so, you agree to receive communications from eCreditBuilder electronically. eCreditBuilder will communicate with you by electronic mail at the electronic mail address provided by you or by posting notices on this Website or any other website that that may be generally designated in advance for such purpose. You consent to receiving electronically all agreements, notices, disclosures and other communications that eCreditBuilder provides to you.

14. Updates

Whenever new products or services are introduced on the Site as part of the Services, your use of such Services will be subject to these Terms and Conditions unless we notify you otherwise. We reserve the right, in our sole discretion, to modify or update these Terms and Conditions at any time and from time to time.

15. Copyright Notice

Copyright © 2011. eCreditBuilder [note to draft corporate name]. All Rights Reserved. Except as otherwise stated, eCreditBuilder or its related companies own all content contained in this web site. Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement. The Content is protected by copyright laws of the United States, Canada and other countries. The Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without eCreditBuilder's prior written permission. You may print or download portions of material from the web site solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.