Each sign-up on the Site is for a single user only, which must be you and for a single user account ("User Account"). You are not allowed to sign up and engage MCC for Services on behalf of any other person. You must take precautions to prevent any unauthorized use. If you believe that an unauthorized use has occurred, you should notify us immediately by emailing email@example.com.
In order to use the Site, you must be a U.S. resident or a resident of Puerto Rico and you must be at least 18 years old. We reserve the right to refuse access to the Site or cancel your User Account at any time.
This Agreement sets forth what you can expect from MCC and what MCC expects from you. Please read it carefully before using any of the Services provided by the Site. The Site gives users information (i) about MCC's credit coaching services, (ii) general educational and informational resources about credit and credit scores, (iii) the ability to sign up for and engage our Services, and (iv) how to communicate with us by email, phone and otherwise. In order to visit and read materials on the Site, you will need to first sign up and establish a User Account. You should only sign up if you want to visit the Site and sign up for MCC's educational assistance programs designed to assist you in your efforts to improve your credit score and credit reports. If you decide to sign up, you must agree to always give us the most accurate and complete information about yourself, and to update that information as it changes from time to time. You must also be over the age of 18 in order to have the legal capacity to enter into binding agreements.
MCC is not what is referred to or licensed as a "Credit Repair Organization" and does not offer any services to specifically repair your credit. By using the Site or accessing our Services, you acknowledge and agree that we are not taking any specific actions at any time to repair your credit. By enrolling in one of our programs for Services, we will provide educational programs designed to educate you about a consumers credit health, and provide information and tools that you can use to improve your personal credit and credit scores. For example, we monitor your credit score and activity, and any accounts you desire monitored in real time, and use our tools to provide you feedback as to the impact of your credit decisions and spending choices on your credit. We will show you trends and provide you with self-service tools to evaluate your individual situation. We also provide you with a credit simulation tool where you can see your current credit score and see what possible changes you could consider making in your credit choices to improve your credit score.
In the event that we bill you directly, you agree that you will make any required payments to us on a timely basis (i.e, a monthly or annual basis) as determined by you when you enroll. You authorize us to bill your credit card or other account that you have designated, unless you tell us in advance of payment due date to cancel your order by calling us or writing to us at firstname.lastname@example.org. In the case of direct payment, you authorize us to: (1) charge your credit card, (2) automatically charge your credit card on a monthly or annual basis for your recurring monthly or annual renewals, as the case may be, and (3) obtain automatic updates for any expiring credit cards you have provided MCC. Monthly or annual fees and renewal fees will be billed at the rate agreed to upon purchase, except as may be adjusted by MCC through prior notice of an increase. At cancellation, your MCC User Account will be de-activated and you will no longer be able to log into our Site and/or have any access to the Services. Except in the case of annual subscription commitments which you have agreed to, and acknowledged are , as permitted by applicable law, if you cancel your agreement with us, you agree that fees for the first month of Service and any start-up costs associated with setting up your User Account ("Start-up Costs") shall be nonrefundable, as permitted by law. With the exception of any subscription commitments agreed to by you, if you paid fees in advance for any period longer than one month, then you may, with the exception of fees for the first month of Service and any Start-up Costs, obtain a refund on a pro rata basis for the period remaining after the date you cancel.
When you provide us with comments, suggestions, or ideas (collectively, "Feedback"), such Feedback is not considered confidential and becomes the property of MCC. We are not obligated to you if you provide such Feedback. We are free to use, copy, or distribute the Feedback to others for any purpose.
Because you can access this 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.
The Fair Credit Reporting Act allows you to obtain from each credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through our Site are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.
Under the Fair Credit Reporting Act you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You can also contact the central source to request this free annual disclosure by calling toll free (877) 322-8228 or by using the mail request form available at the central source website.
You are entitled to receive a free copy of your credit report from a credit reporting agency if:
In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. For Illinois residents, credit reporting agencies are required by law to give you a copy of your credit record upon request at no charge or for a nominal fee. Otherwise, a consumer credit reporting agency may impose a reasonable charge for providing you with a copy of your credit report.
The Fair Credit Reporting Act provides that you may dispute inaccurate or incomplete information in your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM ANY OF THE CREDIT BUREAUS IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE THREE NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.
It may be the policies of Equifax, Experian and/or TransUnion to provide a complimentary copy of the consumer credit report under circumstances other than those described above. If you wish to contact Equifax, Experian or TransUnion to obtain a copy of your credit report directly from such agency or if you wish to dispute information contained in an Equifax, Experian or TransUnion credit report file, please contact such entities as follows:
Experian: 1-800-EXPERIAN (1-888-397-3742)
The Site contains information, advertisements, text, videos, photographs, renderings, animations, designs, graphics, images, sound and other materials and effects (collectively, the "Content") that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by us or other third parties. All trademarks and copyrighted Content on the Site are the property of their respective owners. We retain all rights (including intellectual property rights), title and interest in the Site and all underlying technology and data including any enhancements, software, applications and improvements related to the Site. You are not allowed to download, copy any Content from the Site or otherwise remove from any electronic or printed copy any copyright, trademark, or other proprietary notice from the Site. The Site and the Content are for your individual, non-commercial use and solely for use of Services over the Site. All other uses of the Site or the Content is strictly prohibited. You may not, either directly or indirectly (i) copy, reverse engineer, decompile, disassemble, merge, sell, sublicense or transfer in any manner the underlying source code or structure or sequence of the Site or and of its underlying technology, (ii) delete or alter copyright notices, (iii) reformat any portion of the Site, (iv) change, republish, redistribute, cache by proxy the Site, (iv) use the Content for telemarketing, direct marketing, and mass e-mail or by agents or representatives or e-mail spammers, (v) employ any network monitoring or discovery software to determine Site architecture, or extract information about usage or users; (vii) attempt to access to other computer systems within our network (viii) attempt to use any robot, spider, scraper or other automated means to access the Site or to bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Site. None of the Site, Services or Content may be downloaded, or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria or any other country subject to U.S. sanctions applicable to the export or re-export of goods, (ii) to anyone on the U.S. Treasury Department's List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department's Denied Persons List, Unverified List, Entity List or Nonproliferation Sanctions List. 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, and that you acknowledge you are responsible to obtain any necessary U.S. government authorization to ensure compliance with U.S. law.
Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to the Site, remove hosted content, and take technical and legal steps to keep users off the Site at our discretion.
By accessing the Site, you grant us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated by your use of the Site or to incorporate such materials and/or information generated by your use of the Site into any form, medium, or technology now known or later developed throughout the universe. Aggregate data that does not contain personally identifiable information, account information, or other available data that is collected through your use of the Site, may be used by us for various purposes including but not limited to conducting certain analytical research, performance tracking, benchmarking, helping to improve products and services and to assist in troubleshooting and technical support.
We perform the Services through our business headquarters located in the State of Florida. This Agreement shall be governed, interpreted, and enforced according to the laws of the State of Florida, regardless of conflict of laws. Subject to Section 14 below (which provides for arbitration of claims between us to the maximum extent possible), you irrevocably and unconditionally consent and submit to the exclusive jurisdiction of the federal and state courts located in Broward County, Florida for any dispute or litigation arising out of, relating to, or the use or purchase of Services from MCC.
You agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services. Accordingly, you agree that you will be solely responsible to us for all activities that occur under your account. If you become aware of any unauthorized use of your password or of your account, you agree to notify us immediately.
We may transact with you electronically at all times. You agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving documents in HTML format or PDF format and communicating over the internet. You also represent that you are at least 18 years of age and have access to the internet to receive Services provided by us, to request that MCC contact you about its Services, and print hard copies of all documentation. We may also send you notices about the Site, Services and any pending issues to an email address you provide to us as part of your User Account. You must keep your email address up to date so that emails we send you are not stopped by spam filters and can reach you. If you do not desire to communicate electronically with us, you may no longer use the Site or Services. You are responsible for obtaining at your own expense all equipment and data services required to access and use the Site, including all hardware, devices, and browsers. If you access the Site or our application through a wireless device, you must pay all fees that your carrier may charge you for such access or communications services.
Electronic mail and similar online communications to us are not secure. Accordingly, we do not guarantee the confidentiality of such communications. Transmissions to and from the Site are not confidential and may be read or intercepted by others. You are responsible at all times for (a) maintaining the confidentiality and security of your login information, passwords, and any other security or access information used by you or anyone you authorize on your behalf to access the Site and your account information, (b) preventing unauthorized access to or use of the information, files, or data that you store or use in or with the Site (c) all electronic communications, including account registration and other account holder information, email, accounting and other data entered using the Site and (d) without limiting the foregoing, any and all activities that occur under your User Account. We assume any emails or communications received through the Site were sent by you. You must immediately notify us if you become aware of any loss, theft, or unauthorized use of your User Account.
Any unprotected e-mail communication over the internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. No confidential, fiduciary, contractually implied or other relationship is created between you and MCC by submitting emails and other communications to us.
Please send any notices or other communications regarding our Site, your User Account or Services to My Credit Coach, LLC, 2500 E Hallandale Beach Blvd Suite 404, Hallandale Beach, FL 33009, Attention Customer Service or you may e-mail us at email@example.com.
If for any reason you have not provided an e-mail address to us of your e-mail or postal address you will need to do so so that we may use communicate with you. We will rely on the address information you provided. If you wish to update your registration information, please log in to your User Account or contact our Customer Service department at firstname.lastname@example.org or by calling 1-800-500-8880 between the hours of 9:00 am and 4:00 PM Eastern time on Mondays through Friday.
Any references on the Site with respect to results obtained by us is not meant to indicate that the same or similar results can or will be achieved in other situations. Results always vary depending on the facts and circumstances of each case. Prior results are no guarantee of a similar outcome. References to past or present members or the circumstances of their specific matters do not constitute testimonials or endorsements by such members, nor are they a guarantee or prediction of the outcome of your matter. Use of the Site may not result in an improvement to your credit score.
We are not responsible for delay or failure to perform due to causes beyond our reasonable control.
This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are null and void.