Terms & Conditions - Credit Scores and Credit Reports - Credit Scanning by ScanMyCredit.com

Legal Disclaimer Notice

Terms and conditions for use of the Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com web site
BY VISITING OR USING THE CONSUMER TECHNOLOGIES INC, DBA SCANMYCREDIT.COM /SCANMYCREDIT WEB SITE, OR ANY PAGE OF THE WWW.SCANMYCREDIT.COM WEB SITE, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF USE, AND THAT SUCH AGREEMENT CONSTITUTES A BINDING CONTRACT BETWEEN YOU AND CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT/ SCANMYCREDIT.COM. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE DO NOT VISIT OR USE THE SCANMYCREDIT.COM WEB SITE OR ANY PAGE OF THE CONSUMER TECHNOLOGIES INC, DBA SCANMYCREDIT.COM / SCANMYCREDIT.COM WEB SITE.

TERMS AND CONDITIONS FOR USE

Definitions

As used in this contract: (a) the term "Agreement" refers to this contract; (b) the terms "you" and "yours," refer to you, a visitor to the Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com web site, as well as anyone you authorize to visit the Consumer Technologies Inc, DBA ScanMyCredit.com web site on your behalf; (c) the terms "Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com whose products or services are offered on the Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com web site; and (d) the term " ScanMyCredit.com Web Site" refers to the web site located at www.ScanMyCredit.com and related pages, or any linked pages and web sites hosted or sponsored by Consumer Technologies Inc, DBA Scan My Credit.

Privacy Policy

Consumer Technologies Inc, DBA Scan My Credit is committed to maintaining the privacy and security of any and all information that you provide to Consumer Technologies Inc, DBA Scan My Credit through the Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com Web Site. To that end, Consumer Technologies Inc, DBA Scan My Credit urges you to review the Consumer Technologies Inc, DBA Scan My Credit Privacy Policy, which may be accessed by clicking on the following link: Privacy Policy.

Linking to Other Sites

We may provide links to third party web sites, such as credit bureaus. If you choose to link to a third party web site not controlled by Consumer Technologies Inc, DBA Scan My Credit, we are not responsible for the privacy or security of these sites, including the nature of the content, accuracy, completeness, or reliability of their information. If you are asked to provide information on one of these Web sites we strongly urge you to review their privacy policies before providing any of your personal information. Consumer Technologies Inc, DBA Scan My Credit is not responsible for the privacy practices of third party sites.

Use And Limitations Of The Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com Web Site

Except where we specify otherwise, Consumer Technologies Inc, DBA Scan My Credit offers you access to the ScanMyCredit.com Web Site solely for your personal and non-commercial uses. You promise that you will not use the ScanMyCredit.com Web Site, in whole or in part, for any purpose that is unlawful or prohibited by this Agreement. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the ScanMyCredit.com Web Site. This means, among other activities, that you agree not to engage in the practices of "screen scraping," "database scraping," or any other similar activity. You agree that you will not use the ScanMyCredit.com Web Site in any manner that could damage, disable, overburden, or impair the ScanMyCredit.com Web Site or interfere with any other party's use and enjoyment of the ScanMyCredit.com Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the ScanMyCredit.com Web Site.

If and when requested by ScanMyCredit.com you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of ScanMyCredit.com, you agree that you will not access or attempt to access password protected, secure or non-public areas of the ScanMyCredit.com Web Site.
You agree the service being performed by Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com Web Site is a data entry service providing Equifax, Experian, Trans Union and Innovis with updates and/or changes to your credit profile/credit report. By accepting this agreement, you give Consumer Technologies Inc, DBA Scan My Credit/ ScanMyCredit.com Web Site full authorization to make changes and or updates to your credit profile/credit report directly through Equifax, Experian, Trans Union, Innovis and third party providers.
You accept and agree to our refund policy, we will refund only the cost of service you requested, if a 10-point average increase in credit score is not attained. Full Refund will be given in agreement with the REFUND POLICY posted. You agree that we are not responsible for any actions on your part or anyone that you engage in any business that can be deemed detrimental to your credit profile/credit report including but not limited to late payments, excessive credit pulls etc.

You agree that Consumer Technologies Inc, DBA Scan My Credit may in its sole discretion and at any time terminate your access to and use of the ScanMyCredit.com Web Site, or any part thereof, with or without notice.

The ScanMyCredit.com Web Site contains content and information originated by Consumer Technologies Inc, DBA ScanMyCredit.com, and affiliates of Consumer Technologies Inc, DBA Scan My Credit or unaffiliated third parties. Consumer Technologies Inc, DBA Scan My Credit makes available such content and information through the ScanMyCredit.com Web Site as a public service, for the sole purpose of aiding you, the individual consumer. Consumer Technologies Inc, DBA Scan My Credit, therefore, cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information. This means, for example, that all of the information and materials contained in the ScanMyCredit.com Web Site-including any terms and conditions necessary to obtain a loan or other products or services-are subject to change at any time. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Consumer Technologies Inc, DBA Scan My Credit determination and acceptance.
E-Signatures and Communications

All electronic communications, including any electronic signatures or identifiers of Consumer Technologies Inc, DBA Scan My Credit, are being transmitted solely for informational purposes. By making an electronic communication, Consumer Technologies Inc, DBA Scan My Credit specifically does not intend to agree, bind, or otherwise consent to any matter for any purpose whatsoever, including loan approval, and does not intend that the electronic communication, or any related or associated electronic media or data, to constitute, or to be deemed to constitute, an electronic signature pursuant to any state or federal law or regulation that authorizes the use of electronic signatures.

Trademarks, Service Marks And Copyright

Copyright in the ScanMyCredit.com Web Site, and in the information and material therein and in their arrangement, is owned by Consumer Technologies Inc, DBA Scan My Credit unless otherwise indicated. Consumer Technologies Inc, DBA Scan My Credit®, ScanMyCredit.com ® are federally registered service marks of Consumer Technologies Inc, DBA Scan My Credit/ScanMyCredit.com. Consumer Technologies Inc, DBA Scan My Credit also claims trademark and service mark rights in other marks contained in the ScanMyCredit.com Web Site.

Disclaimer

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF AND RELIANCE UPON ANY AND ALL INFORMATION, INCLUDING, BUT NOT LIMITED TO, CONTENT PROVIDED BY CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT, A CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT AFFILIATE OR A THIRD PARTY THROUGH THE SCANMYCREDIT.COM WEB SITE IS AT YOUR SOLE RISK. SUCH INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF SUCH INFORMATION. CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SCANMYCREDIT.COM WEB SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

Indemnification
YOU AGREE TO INDEMNIFY AND HOLD CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT AND ITS, SUPPLIERS, AFFILIATES, SUBSIDIARIES, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, INFORMATION PROVIDED VIA THE SCANMYCREDIT.COM WEB SITE.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THESCNAMYCREDIT.COM WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME.
IN NO EVENT SHALL CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT, CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT AFFILIATES OR THIRD PARTIES, INCLUDING SUPPLIERS, BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SCANMYCREDIT.COM WEB SITE, WITH THE DELAY OR INABILITY TO USE THE SCANMYCREDIT.COM WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SCANMYCREDIT.COM WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SCANMYCREDIT.COM WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CONSUMER TECHNOLOGIES INC, DBA SCAN MY CREDIT, AND OR AFFILIATES OR ANY THIRD PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SCANMYCREDIT.COM WEB SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SCANMYCREDIT.COM WEB SITE.

Without limiting the foregoing, you agree to indemnify, defend and hold harmless Consumer Technologies Inc, DBA Scan My Credit, its partners, affiliates, subsidiaries and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

MISCELLANEOUS

The laws of the State of New York govern this Agreement. You agree and consent to the exclusive jurisdiction and venue of courts sitting in New York, County of Saratoga in all disputes arising out of or relating to the use of the ScanMyCredit.com Web Site. Use of the ScanMyCredit.com Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and ScanMyCredit.com as a result of this Agreement or use of the ScanMyCredit.com Web Site. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect. Unless otherwise specified herein, this Agreement constitutes the entire agreement between you and Consumer Technologies Inc, DBA Scan My Credit with respect to the ScanMyCredit.com Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Consumer Technologies Inc, DBA Scan My Credit respect to the ScanMyCredit.com Web Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
You understand and agree to the following Terms Of Use & Service, Refund Policy and Privacy Policy.
IMPORTANT! THESE TERMS OF SERVICE (TOS) GOVERN YOUR USE OF THIS SITE, WHICH IS PROVIDED BY OUR COMPANY. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE BY OUR COMPANY AT ANY TIME IN ITS DISCRETION. YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THESE TERMS OF USE REGULARLY.

Access To This Site

YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILD ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.
To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete. If our Company believes the information you provide is not correct, current, or complete, we have the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time, without notice.

Restrictions On Use

You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without our Company's express prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this site, or (ii) frame this site, or (iii) hyper-link to this site, without the express prior written permission of an authorized
representative of our Company. For purposes of these Terms of Use, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this site or content accessible within this site. You agree to cooperate with our Company in
causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

Proprietary Information

The material and content (hereinafter referred to as the "Content") accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by our Company is the proprietary information of our Company or the party that provided the Content to our Company, and our Company or the party that provided the Content to our Company retains all right, title, and interest in the Content.
Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of our Company, or unless authorized in writing elsewhere on our site, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms of Use violates our Company's intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this site.

Hyper-Links

This site may be hyper-linked to other sites, which are not maintained by, or related to, our Company. Hyper-links to such sites are provided as a service to users and are not sponsored by or affiliated with this site or our Company. Our Company has not reviewed any or all of such sites and is not responsible for the content of those sites. Hyper-links are to be accessed at the user's own risk, and our Company makes no representations or warranties about the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site. Further, the inclusion of any hyper-link to a third-party site does not necessarily imply endorsement by our Company of that site.

Submissions

You hereby grant to our Company the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to our Company through this site (together, hereinafter known as the "Submission"), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. Our Company will not be required to treat any Submission as confidential, and may use any Submission in its business (including Without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Company operations. Our Company will treat any personal information that you submit through this site in accordance with its Privacy Policy as set forth on this site.

Disclaimer

You understand that our Company cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. Our Company does not assume any responsibility or risk for your use of the Internet.
The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by Company. Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. The Content is provided “as is” and without warranties of any kind, either expressed or implied. Our Company disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, TITLE, OR
NON-INFRINGEMENT. Our Company does not warrant that the functions OR CONTENT contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Our Company does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and Company may make changes or improvements at any time. You, and not our Company, assume the entire cost of all necessary servicing, repair or
correction IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. OUR COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE
CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and Company does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

Limitation On Liability

COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR
DAMAGES, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO COMPANY FOR THE APPLICABLE CONTENT, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.

Indemnity

You will indemnify and hold Company, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (hereinafter known as the "Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney's fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.

Trademarks

Trademarks, service marks, and logos appearing in this site are the property of Company or the party that provided the trademarks, service marks, and logos to Company. Company and any party that provided trademarks, service marks, and logos to Company retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site. Information You Provide You may not post, send, submit, publish, or transmit in connection with this site any material that:

You do not have the right to post, including proprietary material of any third party;
Advocates illegal activity or discusses an intent to commit an illegal act;
Is vulgar, obscene, pornographic, or indecent;
Does not pertain directly to this site;
Threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
Seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
Infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;
Violates any law or may be considered to violate any law;
Impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
Advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;
Solicits funds, advertisers or sponsors;
Includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications;
Disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this site;
Includes MP3 format files;
Amounts to a 'pyramid' or similar scheme;
Disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site;
Contains hyper-links to other sites that contain content that falls within the descriptions set forth above. Although under no obligation to do so, our Company reserves the right to monitor uses of this site to determine compliance with these Terms of Use, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither Company nor any third party that provides Content to Company will assume or have any liability for any action or inaction by Company or such third party with respect to any submission. Security any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). Company will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Company considers insecure, Company will be entitled to require the password to be changed and/or terminate your account. You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Company reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. Company reserves the right to investigate suspected violations of these Terms of Use. Company reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Company to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY COMPANY DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER [COMPANY] OR LAW ENFORCEMENT AUTHORITIES.

Miscellaneous

These Terms of Use will be governed and interpreted pursuant to the laws of New York, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in New York in connection with any dispute between you and Company arising out of these Terms of Use or pertaining to the subject matter hereof. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and federal courts in Albany, New York. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain. Company may revise these Terms of Use at any time by updating this posting.

PRIVACY POLICY

General Information Consumer Technologies Inc./ dba Scan My Credit takes your privacy seriously. Please read the following information to learn more about our privacy practices. This policy covers what personally identifiable information Consumer Technologies Inc./ dba Scan My Credit collects and how it is treated. Personally identifiable information is information that can be used to identify visitors to the http://www.ScanMyCredit.com Web Site. This information may be limited to an IP address or extend to personally identifiable information such as your name, address, email address, or phone number. This policy only applies to http://www.ScanMyCredit.com and does not extend to the practices of other Web Sites that we may link to, companies that we do not own or control, or to people that we do not employ or manage.

Contact Information. We invite you to contact us if you have questions about this privacy policy. Our Internet address is located at http://www.ScanMyCredit.com Consumer Technologies Inc./ dba Scan My Credit. PO Box 4489 Clifton Park, NY 12065 USA. You may contact us by e-mail at info @ scanmycredit.com

Dispute Resolution. Consumer Technologies Inc./ dba Scan My Credit is committed to resolving any dispute you may have regarding our privacy policy quickly and efficiently. Our customer service representative will handle disputes. Our customer service will promptly correct any errors.

Information Collection When visiting Web Sites certain information about you and your computer can sometimes be collected. This section explains what information Consumer Technologies Inc./ dba Scan My Credit collects, and how it is used. Information Collected - What information do we collect and why? We collect the following identifiable information about our visitors: user.name (optional) user.home-info.online.email (optional) user.home-info.postal (optional) user.home-info.telecom.telephone (optional) user.bdate (optional) user.employer (optional) user.department (optional) user.jobtitle (optional) user.business-info.postal (optional) user.business-info.telecom.telephone (optional) user.business-info.online.email (optional) thirdparty.name (optional) thirdparty.home-info.online.email (optional) thirdparty.home-info.postal (optional) thirdparty.home-info.telecom.telephone (optional) thirdparty.bdate (optional) thirdparty.employer (optional) thirdparty.department (optional) thirdparty.jobtitle (optional) thirdparty.business-info.postal (optional) thirdparty.business-info.telecom.telephone (optional) thirdparty.business-info.online.email (optional) dynamic.clickstream dynamic.http dynamic.searchtext dynamic.interactionrecord dynamic.cookies dynamic.miscdata We collect identifiable information for the following reasons: Completion and Support of Current Activity Web Site and System Administration Research and Development Affirmative Customization One-time Tailoring Pseudonymous Analysis Individual Analysis Individual Decision Contacting Visitors for Marketing of Services or Products Historical Preservation collecting your personal information to perform the requested service Our Web Site generates server log files automatically. These log files are used to generate statistical information and error reports to ensure the Web Site runs with a minimum of disruption. They are not actively used to identify individual visitors.

Information Recipients - Who has access to the information collected? Ourselves and/or our entities acting as our agents or entities for which we are acting as an agent. Delivery services possibly following different practices. Legal entities following our practices. Legal entities following different practices.
Information Retention - How long is this information retained? We do not have a retention policy for this area of the Web Site.