CreditCardRelief.org Online Terms of Service

All calls with the company may be recorded or monitored for quality assurance and training purposes.

Agreement Between User and CreditCardRelief.org – Please Read

THE TERMS AND CONDITIONS SET FORTH BELOW (THE “TERMS”) GOVERN YOUR USE OF THIS WEBSITE ON THE WORLD WIDE WEB (THE “SITE”) OF AND ARE LEGALLY BINDING ON YOU. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE OR ANY INFORMATION CONTAINED ON THE SITE. YOUR USE OF THE SITE SHALL BE DEEMED TO BE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH BELOW.

ATTENTION!-ARBITRATION NOTICE AND CLASS ACTION WAIVER. YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION, AS DETAILED IN THE "DISPUTE RESOLUTION" SECTION BELOW.

www.CreditCard Relief.org, owned and operated by Red Rhino Marketing, LLC (sometimes referred to as "Company" or "CCR"), provides "The User" with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, "(the "Service"). CCR provides the Service to the User, subject to the following Terms. CCR is not responsible for providing you with access to facilities or equipment (in any form) through its service. You, also understand that the Service may include advertisements and sponsorship and that these are necessary for Credit Card ReliefCCR to provide the Service. You also comprehend and agreeunderstand that CCR does not warrant the suitability, reliability, availability, timeliness, and 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. CCR hereby disclaims all warranties and conditions with regard to the Service.

Acknowledgment and Acceptance of Terms of Service

The Service is provided to you, under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by CCR as part of the Terms and related disclosures, which are cumulatively included herein by reference.

Modification of these Terms

CCR reserves the right to modify any of the terms, conditions, and notices under which the Services are offered. You are responsible for regularly reviewing these Terms, including all such terms, conditions, and notices.

Modification to the Service

CCR 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. You agree that CCR shall not be liable to 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 is 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 the following: (a) to provide true, accurate, current and complete information about yourself (b) maintain and promptly update any of your personal information to keep it accurate, current and complete. (c) CCR has the right to use / disclose the aggregate registration information to third parties in connection with the marketing of services, subject to the privacy policy. You have also consented that CCR reserves the right to use or disclose the aggregate registration information to third parties for marketing, 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 transmissions you make through the Service.

• Obstruct or hinder the use and enjoyment of the Service by other Users;
• Violate any applicable local, state, national, and international laws and regulations;
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• 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;
• 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);
• 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, caste related, ethnically or otherwise objectionable;
• 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;
• 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;
• “Stalk” or otherwise harass other users; collect or store personal data about other users.
• 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.
• Reproduce, duplicate, copy, sell, resell, or exploit for any commercial purposes, any portion, use, or access of the Service.
• Violate any laws.

CCR reserves the right to terminate your access to any or all of the Services at any time, without notice, for any reason whatsoever.

CCR reserves the right to the extent applicable. 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. This 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.

The global nature of the World Wide Web, 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.

Privacy Policy

We believe that the responsible use of personal data and information is vital to the continued success of the Internet. Accordingly, we are committed to protecting and safeguarding your right to privacy while using the Services. For further information, please visit our Privacy Policy.

Dispute Resolution--MEDIATION/ARBITRATION, CLASS ACTION WAIVER AND CHOICE OF LAWDispute Resolution

This arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. and not by any state rule or statute governing arbitration. These Terms shall be governed by the law of the State of Texas, without regard to any conflict of laws provisions. In the event of any controversy, claim, or dispute between the parties arising out of or relating to the Terms, the parties agree to first provide notice of such dispute and attempt to resolve it on their own within ten (10) days. If such effort is unsuccessful, the parties agree to attempt to resolve all issues with the assistance of a certified JAMS mediator with the parties splitting the mediator’s fee. In the event there is no resolution through mediation, the parties agree to resolve such outstanding dispute solely through the use of Binding Arbitration, in accordance with the JAMS Streamlined Arbitration Rules & Procedures. Any such Arbitration shall take place in Texas or such location as the parties may agree, and be conducted by a mutually agreed upon JAMS arbitrator. The arbitrator shall be neutral, independent, and shall comply with the JAMS code of ethics. The arbitrator shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, applicability, enforceability, conscionability or formation of the Terms and of this arbitration requirement. In the event the JAMS will not accept the arbitration, another nationally recognized service shall be used. 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 into any court having jurisdiction over the parties. The parties further agree that either party may bring claims against the other only in his/her, or its individual capacity and not as a Plaintiff or class member in any purported class action or representative proceeding. Further, the parties agree that the Arbitrator may not consolidate proceedings of more than one person’s claims, and may not otherwise preside over any form of representative or class proceeding. Payment of all filing, administration and arbitrator fees will be governed by the JAMS rules. In the event that 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 shall be entitled to costs of suit, including reasonable attorneys’ fees for having to compel Arbitration or defend or enforce the award.

Limitation of Liability

You expressly understand and agree that to the extent permitted, CCR 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 CCR 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; or (v) any other matter relating to the service. CCR does not provide actual debt relief services, but introduces options to you. It is your responsibility to perform your own due diligence to determine if a particular service or service provider is right for you.

Content Provided to the Service

CCR does not claim ownership of the “content” (in the form of data, text, software, music, sound, photographs, graphics, video, messages or other materials) you provide to CCR (including feedback and suggestions) or post, upload, privately transmit, input or submit to any CCR site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant CCR and its affiliate sites permission to use your submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission, and to publish your name in connection with your submission.

SMS and Auto-Dialed Opt-Out Calls

By entering your contact information onto the site you expressly request to receive information via telephone call, email and text/SMS message (including through the use of an automatic telephone dialing system or artificial/prerecorded voice, even if your telephone number(s) is/are currently listed on any state, federal or corporate Do Not Call list). Consent is not a requirement to purchasing the goods or services that CCR is offering. Standard text message rates and cellular data charges apply. You may opt-out by replying “stop” to any message that you receive.