Powered by Fraud Protection Network®

Terms and Conditions

Welcome to mycreditcoach.com and its related mobile communications services and software applications (collectively, the "Site") brought to you by My Credit Coach, LLC its past, present, or future subsidiaries, affiliates, parent entities, predecessors in interest, assignees, successors, and their respective managers, officers, directors, employees, members and stockholders, whether acting in their corporate or individual capacity ("MCC" "we" or "us"), with a principal place of business at 2500 E Hallandale Beach Blvd Suite 404, Hallandale Beach, FL 33009. This document ("Agreement", "Terms of Use" or "Terms") contains the terms and conditions upon which you ("you," or the "user") may access mycreditcoach.com or our mobile application, or upon which you may purchase the services offered through the Site (the "Services").

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 support@fraudprotectionnetworkinc.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.

BY ENROLLING AND USING ANY MCC'S SERVICES, BY CLICKING THE "I HAVE READ AND AGREE TO THE TERMS OF USE" CHECK BOX DURING ENROLLMENT ON THE SITE, OR BY DOWNLOADING OUR MOBILE APPLICATION, YOU ACKNOWLEDGE THAT YOU ARE AGREEING TO BE FULLY BOUND BY THE TERMS OF USE OF THE MCC SITE. YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO ALL OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OF USE, PLEASE DO NOT USE THE SERVICES.

NOTICE: THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE AND A CLASS ACTION WAIVER.

These Terms of Use apply to your purchase of any products and/or services offered or provided by MCC and govern the relationship between MCC and you, even if you have agreed to other or conflicting terms and conditions of third parties associated with this business relationship or the provision of such services and/or products.

Notwithstanding any language in the Terms of Use to the contrary, the Terms of Use have the same legal effect as a contract in writing and govern (i) your use of the Site and its content, (ii) your engagement of MCC's services, and (iii) any inquiries from you to MCC about its credit coaching services, or (iv) interactions between you and MCC.

1. Introduction

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.

2. User Accounts

If you choose to sign up for any MCC Services, you may be required to enter into a separate written agreement with MCC depending on the Services that you will want to keep as part of a "User Account" we create on your behalf. Your User Account will continue to be subject to the Terms of Use and the additional agreements otherwise governing them, except where so noted in the related agreement. Each User Account will be subject to additional conditions or instructions appearing on a screen or user interface when using any Services, MCC's policies and procedures applicable to the User Account, all state and federal laws and regulations. You authorize us to provide access to your User Account through our online Site. To open and access a User Account online we will create a password for you as part of the sign up process, but you must have the required hardware and software. You are responsible for obtaining and maintaining the equipment and services necessary to access and use the Site, Services and Content, including but not limited to any computer hardware, software, telephone landline, smartphone, mobile access, wireless provider, Internet connection, Internet service provider, SMS capability, data access and transmission capability, network access and coverage, etc. You are solely responsible for all costs related to the equipment and services necessary or desirable for the access to and use of the Site, Service and Content. Subject to these Terms of Use and any separate written agreement(s), you will generally be able to access your User Account seven days a week, 24 hours a day, 365 days a year. User Account information is posted to the file at the time work is completed on the User Account. From time to time, our Services may not be accessible by users due to routine maintenance or circumstances beyond our control. During such times, you may access your User Account by calling us at 1-800-500-8880 or sending us an electronic mail at support@fraudprotectionnetworkinc.com.

3. Modification

We reserve the right, in our sole discretion, to modify or update these Terms of Use at any time without prior notice to you. The modifications and/or updates will be binding on you, except to the extent that prior notice of material changes is required by applicable law in which instance written notice will be provided in accordance with applicable law, and we may refuse to provide you the Services for any reason or no reason at all. Please read the Terms of Use each time you visit this Site for the most current information. Each time you visit or log in to the Site, continue using our Services, continue your request that MCC contact you about its credit coaching services, and/or participate in any MCC programs you reaffirm your acceptance of the Terms of Use. You are responsible for regularly reviewing the Terms of Use, by clicking on the "Terms of Use" link at mycreditcoach.com/termsc or downloading our mobile application. The Terms of Use may be supplemented by additional terms and conditions applicable to privacy, specific areas of the Site, or to where particular content or transactions are posted in particular areas of the Site and, together with the Terms of Use, govern your use of those areas, content, or transactions.

4. Privacy and Information Sharing

By clicking the "I have read and agree to the Terms of Use" check box during enrollment, by downloading or mobile application, or by using our Services and/or this Site, you acknowledge that you are providing "written instructions" to MCC, its employees, agents, subsidiaries, affiliates, contractors, third-party data sources and suppliers, and to all credit reporting agencies under the Fair Credit Reporting Act ("FCRA") to access your credit files from each National credit reporting agency (including, without limitation, TransUnion®, Experian® and Equifax® or any of their affiliates), to exchange information about you with each such National credit reporting agency and other third-party service providers in order to verify your identity and to provide products and/or services to you, including but not limited to address history reports, name and alias reports, criminal or sex offender reports, and to provide monitoring or alerts to you. In addition, your request that MCC contact you about its credit coaching services, and/or your participation in any communication programs offered by MCC and their terms, are made a part of the Terms of Use.

Since it affects your use of the Services, please review our Privacy Policy. By using the Site, engaging our Services, requesting that we contact you about our Services, and/or participating in MCC's programs, you acknowledge you have reviewed our Privacy Policy and have agreed to its terms. We collect, use and disclose information about you as provided in our Privacy Policy here. Our Privacy Policy is located on the Site and is incorporated into this Agreement, and you agree to accept the terms of the Privacy Policy as a condition to your acceptance of this Agreement. You acknowledge that MCC is providing the Services to you and that MCC will share certain information about you with others as further described both here and in our Privacy Policy. By using the Site and the Services, you consent to the sharing of this information.

You agree and authorize MCC, it agents and employees, to provide your personally identifiable information (or information about your child you have enrolled) to third parties from time to time as provided in our Privacy Policy. You waive any and all claims against MCC, it agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. You further authorize MCC, it agents and employees to obtain various information and reports about you (or about your child that you have enrolled) in order to perform our Services, including, but not limited to, address history reports, name and alias reports, criminal reports, and all other relevant reports.

5. Disclaimer of Warranties and Limitation of Liability

  1. NOTHING IN THESE TERMS OF USE SHALL EXCLUDE OR LIMIT OUR WARRANTY OR LIABILITY FOR LOSSES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
  2. OUR SITE, INCLUDING ALL CONTENT, USER ACCOUNTS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU "AS IS" TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW. NEITHER MCC NOR ITS AFFILIATES OR ANY THIRD PARTY SERVICE PROVIDERS OR SUPPLIERS MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE WHATSOEVER (I) AS TO THE CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE SITE, (II) THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES OR, (III) THAT OUR SITE, MEMBERSHIPS, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, MCC AND ITS AFFILIATES AND OUR THIRD PARTY SERVICE PROVIDERS OR SUPPLIERS DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO, AND USE OF, OUR SITE, MEMBERSHIPS, PRODUCTS, SERVICES AND/OR CONTENT ARE AT YOUR OWN RISK. BY USING OUR SERVICES AND OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER MCC NOR ITS AFFILIATES OR SERVICE PROVIDERS OR SUPPLIERS HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.
  3. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US, OR THROUGH OR FROM THE SERVICES, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.
  4. We are not a credit repair organization, or similarly regulated organization under other applicable laws, and do not provide credit repair advice.
  5. Our credit monitoring offerings monitor only the credit file associated with the purchasing consumer, and do not monitor, compare or cross-reference the credit file associated with the purchasing consumer to any other credit file(s) maintained by the applicable credit bureau(s).

6. Limitation of Liability

  1. SUBJECT TO SECTION 5 ABOVE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE AND OUR SUBSIDIARIES AND AFFILIATES, AND OUR THIRD PARTY SERVICE PROVIDERS OR SUPPLIERS SHALL NOT BE LIABLE TO YOU FOR:
    1. ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO, ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSS; OR
    2. ANY LOSS OR DAMAGE WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE AS A RESULT OF:
      1. ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY OR EXISTENCE OF ANY ADVERTISING, OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY ADVERTISER OR SPONSOR WHOSE ADVERTISING APPEARS ON THE SERVICES OR SITE;
      2. ANY CHANGES WHICH WE MAY MAKE TO THE SERVICES, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE SERVICES (OR ANY FEATURES WITHIN THE SERVICES);
      3. THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE, ANY CONTENT AND OTHER COMMUNICATIONS DATA MAINTAINED OR TRANSMITTED BY OR THROUGH YOUR USE OF THE SERVICES;
      4. YOUR FAILURE TO PROVIDE US WITH ACCURATE ACCOUNT INFORMATION; OR
      5. YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL
    3. THE LIMITATIONS ON OUR LIABILITY TO YOU IN SECTION 5 ABOVE SHALL APPLY WHETHER OR NOT WE HAVE BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES ARISING

7. Payment and Billing

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 support@fraudprotectionnetworkinc.com. 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.

8. Unsolicited Idea Submission Policy

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.

9. International Use

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.

10. Fair Credit Reporting Act

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:

  1. You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency.
  2. You have been denied house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency.
  3. You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
  4. You certify in writing that you are a recipient of public welfare assistance.
  5. You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

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)

Equifax: 1-800-685-1111

TransUnion: 1-800-916-8800

11. Site Content

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.

12. Limited License

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.

13. Applicable Law

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.

14. Arbitration

NOTWITHSTANDING ANY OTHER AGREEMENT TO ARBITRATE BETWEEN YOU AND ANY THIRD PARTY ASSOCIATED WITH THIS RELATIONSHIP OR THE PROVISION OF THE SERVICES, BY USING THE SITE, ENGAGING MCC'S SERVICES, REQUESTING MCC'S TO CONTACT YOU ABOUT CREDIT COACHING SERVICES, AND/OR PARTICIPATING IN ANY MCC PROGRAMS YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND MCC ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND MCC, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TERMS OF USE OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE TERMS OF USE. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS BETWEEN YOU AND MCC. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST MCC IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST IN ANY MCC JURISDICTION IN THE UNITED STATES. MCC WILL REIMBURSE YOU UP TO $200 OF YOUR ARBITRATION FILING FEE. THE COMMERICIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (including without limitation the Supplementary Procedures for Consumer Related Disputes) as then in effect, provided, however, that the terms of the Terms of Use shall control over any inconsistency between the Rules of the American Arbitration Association and the Terms of Use). The arbitrator shall have authority to interpret the Terms of Use, including but not limited to the authority to decide whether any claim is arbitrable under the Terms of Use and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator's jurisdiction, and the enforceability of the Terms of Use. You agree that the Terms of Use involve commerce under 9 U.S.C. 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Site Terms is governed by the laws of the State of Florida, as provided in Section 13 above. A single arbitrator with knowledge of electronic commerce will conduct the arbitration and the parties will mutually agree upon such arbitrator. In the event that the parties have not agreed upon an arbitrator within thirty (30) days of the date of the notice of intention to arbitrate, the arbitrator will be selected by AAA from its list of arbitrators. The arbitrator will conduct a single hearing no longer than one day in duration for the purpose of receiving evidence and will, if practicable, render a decision within fifteen (15) days after the conclusion of the hearing. The decision of the arbitrator will be final, conclusive and binding on all the parties to the arbitration. Judgment may be rendered on the arbitrator's decision in any state or federal court. Except as provided above, all other expenses of the arbitration will be paid by the party who incurred them.

15. Indemnification

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS US, OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND ANY THIRD PARTY PROVIDERS OF INFORMATION OR SERVICES TO THE SITE FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES, RESULTING FROM ANY VIOLATION OF THESE TERMS OF USE OR YOUR VIOLATION OF APPLICABLE LAWS, RULES OR REGULATIONS. IN THE EVENT THAT WE ARE SUBJECT TO ANY CLAIM FOR WHICH WE HAVE THE RIGHT TO BE INDEMNIFIED BY YOU, WE WILL HAVE THE RIGHT TO, AT YOUR EXPENSE, ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY SUCH CLAIM, AND YOU WILL NOT IN ANY EVENT SETTLE ANY CLAIM WITHOUT OUR PRIOR WRITTEN CONSENT.

16. Your Passwords and Account Security

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.

17. Electronic Notices and Communication

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 support@fraudprotectionnetworkinc.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 support@fraudprotectionnetworkinc.com or by calling 1-800-500-8880 between the hours of 9:00 am and 4:00 PM Eastern time on Mondays through Friday.

18. Termination of Relationship

  1. These Terms of Use will continue to apply until terminated by either you or us as set out below.
  2. If you want to terminate your legal agreement with us, you may do so, with our without cause, by (a) notifying us at any time via the toll-free number set forth on the web site for cancellations and (b) closing your accounts for all of the Services which you use, where we have made this option available to you. Please contact us by phone to close your account.
  3. We may at any time terminate our legal agreement with you with our without cause (and for any or no reason). We may also terminate our legal agreement with you if, among other reasons:
    1. you have breached any provision of the Terms of Use (or have acted in manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms of Use);
    2. we are required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or
    3. the provision of the Services to you by us is, in our opinion, no longer commercially viable.
  4. If we terminate your Service without cause, MCC will refund to you a pro rata portion of any fees already paid directly to MCC for the Services that have yet to be provided. If this Agreement has not been terminated, it shall continue indefinitely, and you shall pay the corresponding fees for the Services. When this Agreement terminates, all of the legal rights, obligations and liabilities that you and we have benefited from, been subject to (or which have accrued over time while the Agreement has been in force) or which are expressed to continue indefinitely, shall be unaffected by this termination and/or cessation, and shall continue to apply to such rights, obligations and liabilities indefinitely.

19. Site Information

ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE SITE ARE FOR INFORMATION PURPOSES ONLY (OTHER THAN THE TERMS OF SERVICE AND PRIVACY POLICY WHICH ARE BINDING LEGAL AGREEMENTS), ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN LEGAL COUNSEL. We do not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Site or that foregoing will result in an improvement to your credit score. Your reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. We reserve the right, at our discretion, to correct any errors or omissions in any portion of the Site.

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.

20. Links to Third Party Sites

As a convenience to Site users, we may provide hypertext links to third-party web sites. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by us of the third party, the third-party web site, or the information contained therein. You acknowledge and agree that we are not responsible for the availability of any such web site, and that we do not endorse or warrant, and is not responsible or liable for, any such web site, its content, its privacy policy or practices, or the acts or omissions of its operators. Your use of the third-party web site may be subject to different terms and conditions. We may display advertisements from third parties on the Site. Such advertisements do not constitute or imply an endorsement, sponsorship or recommendation by we of the third party, the third-party advertisement or the information contained therein. You acknowledge and agree that we are not responsible for the availability of any product, service, web site or anything displayed in the advertisement, and that we does not endorse or warrant, and is not responsible or liable for, any such advertisement, its content, or the privacy policy, practices or acts or omissions of the third party associated with the advertisement.

21. Miscellaneous

No waiver of any breach of any provision of these Terms of Use or of any agreement with us will constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions. All waivers must be in writing. If any court of competent jurisdiction or arbitration panel finds any part or provision of these Terms of Use or of any other agreement between you and us to be invalid or unenforceable, such findings will have no effect on any other part or provision of these Terms of Use or any other agreement between you and us. All waivers must be in writing.

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.

Learn MoreEnroll NowContact Us