General Terms and Conditions
You agree to use the Web Site only for lawful purposes. You are prohibited from any use of the Web Site that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Web Site, including but not limited to unauthorized entry into ExtendCredit.com’s systems, misuse of passwords, or misuse of any information posted on the Web Site is strictly prohibited. ExtendCredit.com makes no claims concerning whether the Web Site may be downloaded or is appropriate for use outside of the United States. If you access this Web Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction. Your eligibility for particular products or services is subject to final determination by ExtendCredit.com.
Unless otherwise set out herein, content comprised within the Web Site, including text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, videos, audio, images, applications, programs, computer code and other information (collectively, the “Content”), including but not limited to the design, layout, “look and feel” and arrangement of such content, is owned by ExtendCredit.com, its licensors or its content providers and is protected by copyright, trademark and other intellectual property and unfair competition laws.
You may not engage in the systematic retrieval of content from the Web Site to create or compile, directly or indirectly, a collection, compilation, database or directory without our prior written permission.
You may not use any robots, spiders, crawlers or other automated downloading programs, algorithms or devices, or any similar or equivalent manual process, to: (i) continuously and automatically search, scrape, extract, deep link or index any content; (ii) harvest personal information from the Web Site for purposes of sending unsolicited or unauthorized material; or (iii) cause disruption to the working of the Web Site or any other person’s use of the Web Site. If the Web Site contains robot exclusion files or robot exclusion headers, you agree to honor them and not use any device, software or routine to bypass them. You may not attempt to gain unauthorized access to any portion or feature of the Web Site, any other systems or networks connected to the Web Site, or any of the products or services provided on, accessed from or distributed through the Web Site. You may not probe, scan or test the vulnerability of the Web Site or any network connected to the Web Site or breach Web Site attempt to breach the security or authentication measures on the Services or any network connected to the Web Site.
You may not, without the approval of ExtendCredit.com, use the Web Site to publish or distribute any advertising, promotional material, or solicitation to other users of the Web Site to use any goods or services. For example (but without limitation), you may not use the Web Site to conduct any business, to solicit the performance of any activity that is prohibited by law, or to solicit other users to become subscribers of other information services. Similarly, you may not use the Web Site to download and redistribute public information or shareware for personal gain or distribute multiple copies of public domain information or shareware.
Registration Data; Account Security
In consideration of your use of the Web Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Web Site; (b) maintain the security of your password and identification; (c) maintain and promptly update your registration data, and any other information you provide as part of using this Web Site, to keep it accurate, current, and complete.; and (d) be fully responsible for all use of your account and for any actions that take place using your account.
The information on this Web Site, including without limitation the look and feel of the Web Site and all design, text, images, trademarks, tradenames, logos, white papers, press releases, and other information, and all software products advertised, presented or discussed therein, is protected under United States and other copyright laws and is owned by ExtendCredit.com or used under license from the owner of the respective intellectual property rights. In addition, all rights, title and interest in all servers and server-based technology related to the Web Site, including without limitation, protocols, parameters, designs, specifications, user identification algorithms, and technology underlying such algorithms are owned by ExtendCredit.com. The foregoing may not, except under written license, be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part in any manner without ExtendCredit.com’s prior written consent, except to the extent that such use is expressly authorized under the United States copyright laws. ExtendCredit.com’s trademarks, tradenames, logos, images and service marks used on this Web Site are the property of ExtendCredit.com and may not be used without prior written permission from ExtendCredit.com and then only with proper acknowledgment.
ExtendCredit.com discourages you from sending or posting to the ExtendCredit.com Web Site any information that you consider to be confidential or proprietary. Please note that if you do send or post any such information or material, ExtendCredit.com will assume that it is not confidential. By sending or posting any information or material, you grant ExtendCredit.com a worldwide, royalty free, unrestricted, fully transferable, perpetual and irrevocable license to use, reproduce, display, perform, modify, transmit, create derivative works (as that term is defined by United States copyright laws) from, and distribute those materials or information (including any derivative works) in any form or medium anywhere, and you agree that ExtendCredit.com is free to use any ideas, concepts, know-how or techniques that you send or post for any purpose. In addition, by transmitting, uploading, posting or submitting any information to or through the Web Site you warrant that no other party has rights to the information and that your transmission, posting, uploading or submission of such information to or through the Web Site does not violate any copyright or other laws.
DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
While ExtendCredit.com attempts to make sure that only accurate and up-to-date information is presented on this Web Site, ExtendCredit.com assumes no responsibility for, and makes no representations with respect to the accuracy of any information presented here. Therefore, the Web Site and all materials and information contained therein are presented on an “AS IS” and “AS AVAILABLE” basis. YOU EXPRESSLY AGREE THAT ENTERING OR USING THE WEB SITE IS AT YOUR OWN RISK. NO WARRANTY, REPRESENTATION, CONDITION, UNDERTAKING OR TERM – EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE – INCLUDING BUT NOT LIMITED TO THE CONDITION, QUALITY, DURABILITY, PERFORMANCE, ACCURACY, RELIABILITY, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, OR USE OF THE WEB SITE, IS GIVEN OR ASSUMED BY EXTENDCREDIT. COM; ALL SUCH WARRANTIES, REPRESENTATIONS, CONDITIONS, UNDERTAKINGS AND TERMS ARE HEREBY EXPRESSLY EXCLUDED. EXTENDCREDIT.COM MAKES NO WARRANTY THAT THE WEB SITE WILL MEET YOUR REQUIREMENTS, OR THAT ACCESS TO THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE. EXTENDCREDIT.COM DOES NOT WARRANT OR GUARANTEE THAT ANY INFORMATION AVAILABLE ON OR THROUGH THE WEB SITE WILL BE FREE OF INFECTION BY VIRUSES, WORMS, TROJAN HORSES, OR ANYTHING ELSE MANIFESTING CONTAMINATING OR DESTRUCTIVE PROPERTIES. IT IS THE SOLE RESPONSIBILITY OF YOU TO ISOLATE SOFTWARE AND INFORMATION, EXECUTE ANTI-CONTAMINATION SOFTWARE, AND OTHERWISE TAKE STEPS TO ENSURE THAT SOFTWARE OR INFORMATION, IF CONTAMINATED OR INFECTED, WILL NOT DAMAGE YOUR INFORMATION OR SYSTEM. IN NO EVENT SHALL EXTENDCREDIT.COM BE LIABLE TO ANY PARTY FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION ANY SPECIAL, PUNITIVE, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES (INCLUDING WITHOUT LIMITATION, DAMAGES RESULTING FROM THE USE OF, OR RELIANCE ON, THE INFORMATION PRESENTED IN THE WEB SITE, LOSS OF PROGRAMS OR INFORMATION, LOSS OR INTERRUPTION OF BUSINESS, OR LOSS OF PROFITS OR REVENUES), OR ANY OTHER DAMAGES ARISING – IN ANY WAY, SHAPE OR FORM – OUT OF THE AVAILABILITY, USE, RELIANCE ON, INABILITY TO UTILIZE OR IMPROPER USE OF THE WEB SITE, EVEN IF EXTENDCREDIT.COM SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE. IN NO EVENT SHALL EXTENDCREDIT.COM BE LIABLE TO ANYONE FOR ANY DELAYS, INACCURACIES, ERRORS OR OMISSIONS WITH RESPECT TO THE WEB SITE OR THE INFORMATION OR THE TRANSMISSION OR DELIVERY OF ALL OR ANY PART THEREOF, FOR ANY DAMAGE ARISING THEREFROM OR OCCASIONED THEREBY, OR FOR THE RESULTS OBTAINED FROM THE USE OF INFORMATION AVAILABLE ON OR THROUGH THE WEB SITE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE EXCLUSIONS OF INCIDENTAL AND CONSEQUENTIAL DAMAGES MAY NOT APPLY TO YOU, BUT SHALL APPLY, IN ANY EVENT, TO THE MAXIMUM EXTENT POSSIBLE.
The internal laws of the State of California, without reference to any choice of law provisions, shall govern any claims, actions, disputes, or demands relating to the Web Site or to the materials on it. You agree to personal jurisdiction by and venue in the state and federal courts in Orange County, California.
This Web 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 applicable law or regulation. By offering this Web Site no distribution or solicitation is made by ExtendCredit.com to any person to use the Web Site in jurisdictions where the provision of the Web Site and/or content is prohibited by law.
The Web Site and the information and other content contained therein is further subject to United States export controls. No such information or content may be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By accessing the Web Site or by downloading or using such information, content, and/or services you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list.
Monitoring of the Web Site
ExtendCredit.com has no obligation to monitor the Web Site; however, you acknowledge and agree that ExtendCredit.com has the right to monitor the Web Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Web Site, or to protect itself or other users of the Web Site. Merchant certifies that it has read, understands, and will comply with the following:
NOTICE TO USERS OF CONSUMER REPORTS: OBLIGATIONS OF USERS UNDER THE FCRA
The Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. The text of the FCRA is set forth in full at the Federal Trade Commission’s web site at www.ftc.gov/credit. User duties are also available at the commission’s web site. Users must consult the relevant provisions of the FCRA for details about their obligations under the FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. (Sections 616, 617, and 621) In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. (Section 619) All users of consumer reports should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance.
NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA
The federal Fair Credit Reporting Act (FCRA), as amended, imposes responsibilities on all persons who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623 of the FCRA. State law may impose additional requirements. All furnishers of information to CRAs should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission’s web site (http://www.ftc.gov). The text of the FCRA is set forth in full at the Federal Trade Commission’s web site at www.ftc.gov/credit.
NOTICE TO USERS OF CONSUMER INFORMATION: THE GRAMM-LEACH-BLILEY ACT
Protecting the privacy of consumer information held by “financial institutions” is at the heart of the financial privacy provisions of the Gramm-Leach-Bliley Financial Modernization Act of 1999. The GLB Act requires companies to give consumers privacy notices that explain the institutions’ information-sharing practices. In turn, consumers have the right to limit some – but not all – sharing of their information. The FTC is one of eight federal regulatory agencies that has the authority to enforce the financial privacy law, along with the state insurance authorities. The federal banking agencies, the Securities and Exchange Commission and the Commodity Futures Trading Commission have jurisdiction over banks, thrifts, credit unions, brokerage firms and commodity traders. The FTC has additional details on the GLB Act, the commission’s Privacy Rule and a compliance guide for small business owners at www.ftc.gov/privacy. All users of consumer reports should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance.