Terms of Use Agreement

SolveYourDebtNow.com
864 Grand Ave #440
San Diego, CA 92109

Thank you for using the SolveYourDebtNow.com website. Access to and use of the SolveYourDebtNow.com sites are provided subject to the following Terms of Use.

SolveYourDebtNow.com ("SolveYourDebtNow.com") requires that all visitors ("you") to our web site ("Site") abide by the following Terms of Use. By accessing and using the Site you indicate your agreement to these terms. If you do not agree to these terms, please do not access or use the Site. These Terms of Service apply to this website, SolveYourDebtNow.com.

You agree that by entering your personal information and submitting it to SolveYourDebtNow.com, you are entering into a business relationship with SolveYourDebtNow.com, requesting that it distribute your information to its contracted marketing partners, and you expressly consent and request to be contacted by SolveYourDebtNow.com, its employees, representatives, agents and third party contracted vendors with promotions and offers relating to your request for financial and counseling assistance even if the entered telephone number is currently on a federal, state, or wireless Do Not Call list. It is expressly understood that these contacts, telephone calls, emails, letters, and faxes are being made pursuant to your request for such communications. These contacts are necessary so that that we may provide the services set forth on our site that you requested, to service your account, to reasonably address matters pertaining to your account or for other reasonable purposes related to our business.

SolveYourDebtNow.com may, in its sole discretion, modify or revise these Terms of Service at any time by updating this web page. You are bound by any such modification or revision and should therefore visit this page periodically to review the terms. Modifications shall become effective immediately upon being posted at www.SolveYourDebtNow.com/terms.html. Your continued use of the Service after amendments are posted constitutes an acknowledgement and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement may not be amended. All references, protections, benefits and limitations of liability set forth in these Terms of Service and applicable to SolveYourDebtNow.com.

1. Description of Services

SolveYourDebtNow.com is providing users with access to information concerning credit and debt management. The SolveYourDebtNow.com matching service allows you to input your information once and receive quotes or calls from one or more people/organizations to provide you a convenient, fast method for evaluating your options and making informed decisions relating to a particular service that is being advertised. We do not offer or provide these counseling or financial services, and there is no charge to consumers for the use of our matching service. By using this service, you expressly waive any claim against us relating to the quality of any services we match you with, and understand that we are not responsible for the quality of any services you ultimately select.

We seek to connect consumers with companies that provide a variety of debt or credit-related services. Statements relating to potential results from these services may apply to one type of service but not another. This includes, but is not necessarily limited to, claims regarding: amount of or time frames for debt reduction, reduction of fees, interest and interest rates. Debt reduction is accomplished by matching consumers with programs that can help them save funds to eventually reduce unsecured debts. Claims regarding potential reduction in payments refer to the aggregate of all payments, and not a reduction in individual monthly payments. None of these services assume or pay your debts for you. With the exception of the initial consultation, debt related services are not free. Not all consumers may be eligible for debt reduction.

Any financial or other relationship entered into between you and any third party that arose from information received or accessed through this Web Site or SolveYourDebtNow.com is solely between you and the third party. SolveYourDebtNow.com is not a party to your agreements and you assume sole liability for any such agreements. We are not responsible for any transaction that may occur between you or your company and a SolveYourDebtNow.com client.

Should you have a dispute with any of the SolveYourDebtNow.com suppliers/vendors that you are matched with, you must address such dispute to the supplier/vendor directly, and by using this website you hereby agree to release SolveYourDebtNow.com (and our employees, agent, and affiliated entitles if any and their employees and agents) from any damages or claims (including consequential and incidental damages) of every kind or nature, suspected and unsuspected, known and unknown, and disclosed or undisclosed, arising out of or in any way connected with such disputes and your dealings with individuals or organizations.

Transmission of Personal Data

You acknowledge and agree that by providing SolveYourDebtNow.com with any personal or proprietary information through the Services, you consent to the transmission of such personal or proprietary information as necessary for processing in accordance with the SolveYourDebtNow.com standard business practices. By using our service and providing your personal contact information, you agree that one or more of our suggested matching companies may contact you by email, telephone, mail or other methods of communication. You request and expressly consent to receive such calls from up to ten independent providers of the services we match you with, regardless of whether your contact information appears on any federal or state No Call Registry. Your information may also be sent to other service providers who may also contact you independent of us.

When using SolveYourDebtNow.com services, you will be prompted to disclose certain information about yourself and your personal situation. This information will be sent to matching individuals or organizations which will need this information to respond to you. You acknowledge that you have been informed to only complete a quote request for yourself and that you are at least 18 years of age. You understand that all information you provide must be accurate, current and truthful to the best of your knowledge. If you provide any information that is untrue, not current or incomplete, or SolveYourDebtNow.com has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, SolveYourDebtNow.com has the right to refuse you any current or future use of the SolveYourDebtNow.com services. Your acceptance of these Terms of Service indicates that you expressly consent to our use and disclosure of your personal information in accordance with our Privacy Policy.

You should be aware that web sites not owned by SolveYourDebtNow.com ("Linked Sites") may contain transmission of personal data provisions that differ from the provisions provided herein. SolveYourDebtNow.com is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. For further information on how we use your personal information, please see our Privacy Policy.

Registration and Password

If any of the Services requires you to login, you must complete the registration process by providing us with current, complete and accurate information as prompted by the registration form. You also will choose a password and a username. You are entirely responsible for maintaining the confidentiality of your password and username. Furthermore, you are entirely responsible for any and all activities that occur under your username. You must notify us immediately of any unauthorized access or use of your username or any other breach of security. We will not be liable for any loss that you may incur as a result of someone else using your password or username, either with or without your knowledge.

No Unlawful or Prohibited Use

As a condition of use of the Services, user will not use the Services for any purpose that is unlawful or prohibited by these terms. User may not use the Services in any manner that could damage, disable, overburden, or impair any SolveYourDebtNow.com server, or the network(s) connected to any SolveYourDebtNow.com server, or interfere with any other partys use and enjoyment of any Services. User may not attempt to gain unauthorized access to any Services, other usernames, computer systems or networks connected to any SolveYourDebtNow.com server or to any of the Services, through hacking, password mining or any other means. User may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.

2. Disclaimer of Warranties.

THE WEB SITE, INCLUDING ALL CONTENT MADE AVAILABLE ON OR ACCESSED THROUGH THE WEB SITE, IS PROVIDED "AS IS". TO THE FULLEST EXTENT PERMISSIBLE BY LAW, SolveYourDebtNow.com MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE WEB SITE. FURTHER, SolveYourDebtNow.com DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SolveYourDebtNow.com DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEB SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SolveYourDebtNow.com SHALL NOT BE LIABLE FOR THE USE OF THE WEB SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. IN NO EVENT WILL SolveYourDebtNow.com BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY LOST PROFITS, LOST DATA, LOST OPPORTUNITIES, COSTS OF COVER, EXEMPLARY, PUNITIVE, PERSONAL INJURY/WRONGFUL DEATH, SPECIAL, INCIDENTAL, INDIRECT OR OTHER CONSEQUENTIAL DAMAGES, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES REGARDLESS OF WHETHER OR NOT EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE SITE, SERVICES (INCLUDING WITHOUT LIMITATION, INTERACTIVE SERVICES, THE COMMUNITY, AND TOOLS), AND DOCUMENTS COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. SolveYourDebtNow.com AND/OR ITS SERVICE PROVIDERS MAY MAKE CHANGES IN THE SITE, SERVICES (INCLUDING WITHOUT LIMITATION INTERACTIVE SERVICES, THE COMMUNITY, AND TOOLS) AND/OR DOCUMENTS AT ANY TIME AND FROM TIME TO TIME.

If any part of these warranty disclaimers or limitations of liability is found to be invalid or unenforceable for any reason, then our aggregate liability for all claims under such circumstances for liabilities that otherwise would have been limited, shall not exceed the greater of fifty dollars ($50.00) or the amount paid by you to SolveYourDebtNow.com for your use of any services.

User agrees to indemnify SolveYourDebtNow.com, and its subsidiaries, affiliates, officers, employees, agents, and co-branders and hold them each harmless from any and all claims or demands, including attorneys fees, made by any third party due to or arising from your use of the SolveYourDebtNow.com services or connection to the SolveYourDebtNow.com web site or your violation of the Terms of Use, or arising from your violation of any rights of a third party. The Terms of Use will insure to the benefit of SolveYourDebtNow.com successors, assigns and licensees. 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. The failure of SolveYourDebtNow.com to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the SolveYourDebtNow.com services or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms of Use are for convenience only and have no legal or contractual effect.

User agrees that no joint venture, partnership, employment, or agency relationship exists between you and SolveYourDebtNow.com as a result of this agreement or use of this Web site.

3. Limitation of Liability

SolveYourDebtNow.com SHALL NOT be liable for any damages whatsoever, and in particular SolveYourDebtNow.com shall not be liable for any special, indirect, consequential, or incidental damages, or damages for lost profits, loss of revenue, or loss of use, arising out of or related to this web site or the information contained in it, whether such damages arise in contract, negligence, tort, under statute, in equity, at law, or otherwise, even if SolveYourDebtNow.com has been advised of the possibility of such damages. SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THEREFORE SOME OF THE ABOVE LIMITATIONS IS INAPPLICABLE.

SolveYourDebtNow.com SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, INTERRUPTION OF BUSINESS, OR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND HOWSOEVER CAUSED, WHETHER ARISING UNDER THESE TOU OR OTHERWISE, EVEN IF SolveYourDebtNow.com WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR WAS NEGLIGENT. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES THAT MAY INFECT A USERS EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE EVENT.

IN JURISDICTIONS THAT PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SolveYourDebtNow.comS LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY THE LAW.

SolveYourDebtNow.com WILL NOT BE LIABLE FOR ANY DAMAGES OR ICAURY THAT ACCOMPANY OR RESULT FROM YOUR USE OF ANY OF ITS SITE.

THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR ICAURY CAUSED BY ANY:

USE OF (OR INABILITY TO USE) THE SITE
USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE
FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED
ERROR ON OUR SITE
OMISSION ON OUR SITE
INTERRUPTION OF AVAILABILITY OF OUR SITE
DEFECT ON OUR SITE
DELAY IN OPERATION OR TRANSMISSION OF OUR SITE
COMPUTER VIRUS OR LINE FAILURE


PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:
DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR ICAURY
DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR ICAURY (KNOWN IN LEGAL TERMS AS "CONSEQUENTIAL DAMAGES.")
OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR ICAURY (KNOWN IN LEGAL TERMS AS "INCIDENTAL DAMAGES.")

WE ARE NOT LIABLE EVEN IF WEVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH.

EXCEPTION: CERTAIN STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE "INCIDENTAL" OR "CONSEQUENTIAL" DAMAGES. IF YOU LIVE IN ONE OF THOSE STATES, THE ABOVE LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN THAT YOU MIGHT HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES.

HOWEVER, IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, ICAURIES, AND CLAIMS OF ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT, OR THEYRE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE GREATER THAN THE AMOUNT YOU PAID IF ANYTHING TO ACCESS OUR SITE.

4. Indemnification

User agrees to indemnify and hold SolveYourDebtNow.com, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys fees and costs, made by any third party due to or arising out of Users use of the Service, the violation of this Agreement, or infringement by User, or other user of the Service using Users computer, of any intellectual property or any other right of any person or entity.

5. Modifications and Interruption to Service

SolveYourDebtNow.com reserves the right to modify or discontinue the Service with or without notice to the User. SolveYourDebtNow.com shall not be liable to User or any third party should SolveYourDebtNow.com exercise its right to modify or discontinue the Service. User acknowledges and accepts that SolveYourDebtNow.com does not guarantee continuous, uninterrupted or secure access to our website and operation of our website may be interfered with or adversely affected by numerous factors or circumstances outside of our control.

UPGRADES, SUPPORT AND NOTICES

From time to time, SolveYourDebtNow.com may send you information and offers about upgrades, documentation, special announcements and other services offered by SolveYourDebtNow.com. You acknowledge and agree that SolveYourDebtNow.com has the right to do so. If you do not wish to receive these communications, you can choose to opt out of these communications by changing your notification preferences as described in our PRIVACY POLICY. Notwithstanding the foregoing, under no circumstances will SolveYourDebtNow.com or any of its individuals or organizations have any obligation to provide you with upgrades, enhancements, modifications, or support for the Services provided. You understand and agree that it is your responsibility to inform SolveYourDebtNow.com of your choice not to receive emails or other contact from it. If you do not, SolveYourDebtNow.com will assume that you want to receive such, and will continue to send such to you, in its sole discretion.

6. Third-Party Sites

Our website may include links to other sites (Linked Sites) on the Internet that are owned and operated by online merchants and other third parties. The linked sites are not under the control of SolveYourDebtNow.com and SolveYourDebtNow.com is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. SolveYourDebtNow.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by SolveYourDebtNow.com of the site. User acknowledges that we are not responsible for the availability of, or the content located on or through, any third-party site. Users should contact the site administrator or webmaster for those third-party sites if they have any concerns regarding such links or the content located on such sites. The use of those third-party sites is subject to the terms of use and privacy policies of each site, and we are not responsible therein. We encourage all users to review said privacy policies of third-parties sites.

A link to a Linked Site does not mean that SolveYourDebtNow.com endorses or accepts any responsibility for the content, functioning or use of such Linked Site, and you enter any such web site at your own risk. You agree that SolveYourDebtNow.com has no control over or liability for information on Linked Sites. You should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that are different from the provisions provided on this Site. SolveYourDebtNow.com is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

7. Disclaimer Regarding Accuracy of Vendor Information

SolveYourDebtNow.com makes no warranties or representations whatsoever with regard to any product provided or offered by any Vendor. Product specifications and other information have either been provided by the Vendors or collected from publicly available sources. While SolveYourDebtNow.com makes every effort to ensure that the information on this website is accurate, user acknowledges that any reliance on representations and warranties provided by any Vendor shall be at their own risk.

No Legal or Financial Advice

The information contained at our Web Site and/or any advice or comments made by any agent or employee of SolveYourDebtNow.com are intended only to educate and assist clients, applicants, visitors, and the like, in various areas of finance, including credit and debt management. SolveYourDebtNow.com is not a lawyer and does not give legal advice. We do not provide tax, legal or investment advice. Debt or credit related services may or may not meet your needs, and may involve risk. Creditors may continue debt collection efforts, including phone calls, letters, collection agency referrals and lawsuits. Your credit score may be adversely affected. Always seek financial advice from qualified financial and legal advisors, and read and understand all enrollment materials carefully. SolveYourDebtNow.com does not guarantee the safety or legality of the information provided or the products and services sold. You should exercise as much caution as you would typically exercise with any purchase of products of services.

Service Providers

SolveYourDebtNow.com is not responsible for the services or products offered on the Site by other service providers. We do not endorse or guarantee the content, products, or services provided by service providers and available through the Site. The selection of a service provider included on this Web site and the transaction of business with the service provider is your sole responsibility and should be undertaken only after a thorough investigation and analysis. The service provider is solely responsible for its services to you, and you agree that SolveYourDebtNow.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the services of any service provider.

8. Compliance with Laws.

User assumes all knowledge of applicable law and is responsible for compliance with any such laws. User may not use the Service in any way that violates applicable state, federal, or international laws, regulations or other government requirements. User further agrees not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national, or international law or regulation.

9. Copyright Information

All content included or available on this site, including site design, text, graphics, interfaces, and the selection and arrangements thereof is ©2008 SolveYourDebtNow.com, will all rights reserved, or is the property of SolveYourDebtNow.com and/or third parties protected by intellectual property rights. Any use of materials on the website, including reproduction for purposes other than those noted above, modification, distribution, or replication, any form of data extraction or data mining, or other commercial exploitation of any kind, without prior written permission of an authorized officer of SolveYourDebtNow.com is strictly prohibited. Users agree that they will not use any robot, spider, or other automatic device, or manual process to monitor or copy our web pages or the content contained therein without prior written permission of an authorized officer of SolveYourDebtNow.com. Nothing in these terms transfers any rights in such materials to you or any third party.

10. Botnets

SolveYourDebtNow.com retains the right, at our sole discretion, to terminate any accounts involved with botnets and related activities. If any hostnames are used as command and control points for botnets, SolveYourDebtNow.com reserves the right to direct the involved hostnames to a honeypot, loopback address, logging facility, or any other destination at our discretion.

11. Governing Law and International Use

The laws of the State of California shall govern this Legal Statement. This agreement constitutes the entire agreement between you and SolveYourDebtNow.com with respect to this site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and SolveYourDebtNow.com with respect to this 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 HEREBY EXPRESSLY CONSENT TO EXCLUSIVE JURISDICTION AND VENUE IN THE COURTS LOCATED IN SAN DIEGO, CALIFORNIA FOR ALL MATTERS ARISING IN CONNECTION WITH THIS LEGAL STATEMENT OR YOUR ACCESS OR USE OF THE WEB SITE OR THE SolveYourDebtNow.com SERVICES.

INTERNATIONAL ACCESS

Our Web Site is provided from the United States of America and all servers that make it available reside in the U.S.A. The laws of other countries may differ regarding the access and use of the Web Site. We make no representations regarding the legality of this Web Site in any other country and it is your responsibility to ensure that your use complies with all applicable laws outside of the U.S.A.

Statute of Limitations

Regardless of any law to the contrary, any claim or cause of action arising out of or related to the use of the Site must be filed within 1 year after the claim or cause of action arose or be forever barred.

Arbitration Agreement

a. Claims Subject to Arbitration. Upon your election or SolveYourDebtNow.coms election, any claim, dispute or controversy between you and SolveYourDebtNow.com (or any parent, subsidiary, affiliate, predecessor, successor or assignee, or any officer, director, employee, agent or representative of you or SolveYourDebtNow.com) arising from or relating to these terms or ("Claim") shall be resolved by binding arbitration pursuant to this Arbitration Agreement, and the applicable rules in effect at the time the Claim is filed of the Administrator selected under Subparagraph (b). This includes Claims of every kind and nature, including Claims relating to the validity, enforceability or scope of this Arbitration Agreement and the remainder of these terms; Claims relating to any advertising or promotional materials that contain information about these terms or the Site, Services (including without limitation, Interactive Services, The Community, and Tools) or Documents; initial claims, counterclaims, cross-claims and third-party claims; and Claims based upon contract, tort, fraud, misrepresentation and other intentional torts, constitution, statute, ordinance, regulation, common law, and equity. A party who has asserted a Claim in a lawsuit may still elect arbitration with respect to any Claim(s) subsequently asserted in that lawsuit by any other party or parties. SolveYourDebtNow.com may not elect to arbitrate an individual Claim you bring in small claims court or your states equivalent court, if any, unless the Claim is transferred or appealed to a different court.

b. Administrator; Arbitrator. If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: San Diego County, CA. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us. If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: San Diego County, CA, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

c. No Class Actions, etc. You may not arbitrate (or participate in the arbitration of) any Claims on a class action or class-wide basis or in a representative or private attorney general proceeding. Claims brought by or on behalf of others may not be consolidated with or arbitrated in any arbitration proceeding that is considering your Claims. Similarly, you may not join with others to bring Claims in the same arbitration proceeding.

d. Location; Fees. Any arbitration hearing you attend shall take place in the federal judicial district where you live. If you initiate or seek to initiate arbitration, and cannot obtain from the Administrator a waiver of the filing, administrative, hearing and/or other fees charged by the Administrator, upon your written request SolveYourDebtNow.com will consider in good faith paying or advancing such fees on your behalf. Otherwise, each party shall bear its own arbitration fees and the expense of that partys attorneys, experts and witnesses, regardless of which party prevails in the arbitration, unless applicable law gives a party the right to recover any of those fees or expenses from the other party.

e. Governing Law. These terms involve interstate commerce, and this Arbitration Agreement shall be governed by the FAA and not by any state law concerning arbitration. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and applicable privilege rules, and shall be authorized to award all remedies permitted by applicable substantive law, including, without limitation, compensatory, statutory and punitive damages, declaratory, injunctive and other equitable relief, and attorneys fees and costs. Upon the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator will follow rules of procedure and evidence consistent with the FAA, this Arbitration Agreement, and the Administrators rules.

f. Severability; Primacy. If any portion of this Arbitration Agreement (other than Subparagraph (c)) cannot be enforced, the rest of this Arbitration Agreement will continue to apply. If Subsection (c) cannot be enforced, then the entire Arbitration Agreement shall be null and void. In the event of any conflict or inconsistency between this Arbitration Agreement and the Administrators rules or any other documents relating to these Terms of Use, this Arbitration Agreement will govern.

g. Notice. If either party elects to arbitrate any Claim, neither you nor SolveYourDebtNow.com have the right to litigate that Claim in court; to have a jury trial on that Claim; to engage in pre-arbitration discovery except as provided for in the rules of the Administrator; or to participate as a representative or member of any class pertaining to such Claim. Other rights you would have if you went to court may also not be available in arbitration.

12. Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all SolveYourDebtNow.com Web site, along with all related documentation and all copies and installations. SolveYourDebtNow.com may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our Web site, we do not in any way promise that the materials will remain available to you. And SolveYourDebtNow.com is entitled to terminate all or any part of any of its Web site without notice to you. We reserve the right to discontinue providing and/or to terminate your access to the Site, the Services (including any Interactive Service, The Community and Tools), and Documents, or any portion thereof, at any time. If you use our site from locations outside of the United States, you are responsible for compliance with any applicable local laws. These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the California, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

13. Privacy Policy

We believe that the responsible use of personal information is critical to the continued success of the Internet. As such, we are committed to the highest standards in protecting and safeguarding your right to privacy while using the Services. For further information, please see our Privacy Policy.

14. Miscellaneous

These terms constitute the entire agreement between you and SolveYourDebtNow.com and its supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and SolveYourDebtNow.com with respect to this Site, Services (including without limitation, Interactive Services, The Community and Tools) and Documents. If any part of these terms 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 these Terms of Use shall continue in effect. A printed version of these terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

15. Feedback

To the extent permitted by applicable law, any comments or materials sent to SolveYourDebtNow.com including questions, suggestions, ideas, comments, or the like relating to this Site, the Services and Documents shall be deemed to be non-confidential and shall become the property of SolveYourDebtNow.com upon receipt. SolveYourDebtNow.com shall have no obligation of any kind with respect to such feedback and shall be free to transmit, reproduce, use, exhibit, disclose, display, transform, copyright, create derivative works, and distribute the feedback to others without limitation. Further, SolveYourDebtNow.com shall be free to use any ideas, concepts, know-how and techniques contained in such feedback for any purpose whatsoever, including but not limited to, developing, manufacturing and marketing products or services incorporating such information.

We value our integrity and as a company and individuals, we are committed to providing you with a positive experience. If for any reason, you are not completely satisfied with our service, please contact us here.

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