Terms and Conditions
Last updated: May 06, 2015
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Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the http://www.creditbyricardo.com website (the “Service”) operated by Credit By Ricardo Consulting Group.
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Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.
Intellectual Property
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The Service and its original content, features and functionality are and will remain the exclusive property of Credit By Ricardo Consulting Group. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Credit By Ricardo Consulting Group.
Links To Other Web Sites
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Our Service may contain links to third party web sites or services that are not owned or controlled by Credit By Ricardo Consulting Group.
Credit By Ricardo Consulting Group has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
You acknowledge and agree that Credit By Ricardo Consulting Group shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.
Termination
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We may terminate or suspend your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Indemnification
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You agree to defend, indemnify and hold harmless Credit By Ricardo Consulting Group and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.
Limitation Of Liability
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In no event shall Credit By Ricardo Consulting Group, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
Disclaimer
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Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
Credit By Ricardo Consulting Group its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
Exclusions
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Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.
Governing Law
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These Terms shall be governed and construed in accordance with the laws of Florida, United States, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
Changes
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We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
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Contact Us
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If you have any questions about these Terms, please contact us.
Cancellations & Refunds
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Our 100% Guarantee, Cancellation and Refund Policy:
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You are entitled to a 100% refund on last monthly payments / excluding Enrollment and Analysis fee if:
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We do not remove any negative items worked on.
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You have two (2) consecutive months (60 days) from the time you retain our services.
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You have had no new collections/negative items or missed payments during the time frame we are assisting you.
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You maintained credit monitoring services all times during the the time frame we are assisting you.
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You forward all correspondence from the creditors to us.
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You have at least four negatives items on the credit report at the time of sign-up.
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You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
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You agree to send updated reports and letters from the three credit bureaus to us within 5 days of receipt. (You should receive updated credit reports every 30-45 days and make us aware if updated reports have not been received)
​You may cancel services at any time. Please notify us in writing 7 days before the next billing period.
Privacy Statement
This Privacy Policy governs the manner in which Credit By Ricardo Consulting Group collects, uses, maintains and discloses information collected from users of the http://www.CreditByRicardo.com. This privacy policy applies to the Site and all products and services offered by Credit By Ricardo Consulting Group.
Personal Identification Information
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We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site.Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.
Non-Personal Identification Information
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We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Web Browser Cookies
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Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.
How We Use Collected Information
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Credit By Ricardo Consulting Group may collect and use Users personal information for the following purposes:
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To run and operate our SiteWe may need your information display content on the Site correctly.
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To improve customer serviceInformation you provide helps us respond to your customer service requests and support needs more efficiently.
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To improve our SiteWe may use feedback you provide to improve our products and services.
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To process paymentsWe may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
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To run a promotion, contest, survey or other Site featureTo send Users information they agreed to receive about topics we think will be of interest to them.
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To send periodic emailsWe may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests.
How We Protect Your Information
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We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Sharing Your Personal Information
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We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.
Electronic Newsletters
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If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.
Changes To This Privacy Policy
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Credit By Ricardo Consulting Group has the discretion to update this privacy policy at any time. When we do, we will send you an email. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Your Acceptance Of These Terms
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By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes. Privacy policy created by GeneratePrivacyPolicy.com
Contacting us
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If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us.