These Terms Of Use (“TOU” or “Terms of Use”) govern your access to and use of this website (“website” or “site”) operated by My Credit Benefits [further addressed as Site]. These Terms of Use are a legally binding agreement between you and our site and contain important information about our site and your use of our site. If you do not agree to these Terms of Use, please do not use the site.

  1. Ownership of Content

We may offer featured articles, pictures, information, digital images, games, surveys, contests and sweepstakes, advertising, logos, trademarks and other user-submitted content (collectively referred to hereinafter as “Content”) we hope will be of interest to our visitors. Content may be in the form of text, data, music, sound, graphics, images, pictures, photographs, videos, software or other forms now known or later invented. Site makes no representations or warranties that the Content is available, appropriate or legal to access. User Content (as hereinafter defined), all Content posted on or otherwise available via this site is owned by site or used with authorization. Please feel free to browse the site, but you must respect the rules and restrictions set forth in these TOU and our intellectual property rights as set forth in these TOU. Please note that downloading software, information, data or images from this site does not give you title or other rights to such Content.

  1. Restrictions on the Use of the Site

As a condition of using this site, you agree that you will not:

(a) Without the prior written consent of Site, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works of, transfer, or sell any Content;

(b) Submit, display, or transmit any User Content (as hereinafter defined) that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party, or User Content that you do not have a right to make available under any law or under contractual or fiduciary relationships;

(c) Submit, display, or transmit any User Content that exceeds site capacity limits or for which you do not own or have the necessary and appropriate rights;

(d) Submit, display, or transmit any spam, duplicative messages, unauthorized promotions or advertisements, surveys, contests, chain letters, or pyramid schemes;

(e) Forge headers, create a false identity, or otherwise manipulate identifiers in order to deceive others or disguise the origin of any User Content transmitted to or via the site;

(f) Use the site to threaten, defame, abuse, assault, stalk, harass or otherwise violate the rights of any other person or entity, including without limitation rights of privacy or publicity;

(g) Publish, post, display, offer, or disseminate any profane, obscene, indecent, unlawful, terroristic, violent, or hateful User Content;

(h) Collect, store, publish, post, sell, transmit, or disclose personal data about other users of the site; or

(i) Monitor or copy Content.

Site Security Use Restrictions

We take the security of this website with paramount concern. Therefore, in addition to the restrictions set forth above, you may not:

(a) interfere or attempt to interfere with the proper working of this website or any activity or service on this website by using any robot, “bot”, spider, crawler, engine, device, software, tool, routine or any other automatic device or manual process of any like or kind without our written permission, or engage in any activity which interferes with the proper working of or access to this site or to any host or network;

(b) attempt to access data or information not intended for you or log onto a server or account that you are not authorized to access;

(c) access or attempt to access any system or servers on which the site is hosted or modify or alter the site in any way;

(d) upload or otherwise transmit files that contain viruses, worms, Trojan horses, malicious code, spyware, adware, sniffers, corrupted files, or similar software or programs;

(e) restrict or prevent any other user from using the site and/or any products, services, or Content posted on or offered through the site;

(f) post or upload User Content (as hereinafter defined) that disrupts the normal flow of dialogue with an excessive amount of User Content (flooding attack) to the site, or that otherwise negatively affects other users’ ability to use this website; or

(g) link to, frame, or otherwise reproduce this site without the prior written consent of site admins.

We reserve the right to investigate any violations of its system, network or website security, to involve and cooperate with law enforcement authorities in investigating such violations, and to prosecute violators to the fullest extent of the law.

  1. Copyright

All Content on the site is either owned by us or is authorized by clients to be used on our website. No Content or other material from this site may be copied, reproduced, published, republished, uploaded, posted, displayed, transmitted, modified, used to prepare derivative works, distributed or redistributed in any way in any medium whatsoever now known or later invented, except that you may download one copy of the material on any single computer for your personal, non-commercial home use only, provided you retain all copyright and other proprietary notices. Any attempt to modify these materials or to use these materials for any other purpose constitutes a violation of our copyright and other proprietary rights and may subject you to injunctive relief, statutory damages and other penalties. The use of any such material on any other website or networked computer environment is prohibited without the express written permission of site owners.

Procedures for Making Copyright Infringement Claims. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any copyright or any other intellectual property right. It is our policy to respond appropriately to notices of alleged infringement that comply with the Digital Millennium Copyright Act (“DMCA”), including by removing or disabling access to material claimed to be the subject of infringing activity. If you are an owner of intellectual property who believes that your intellectual property has been improperly posted or distributed via this website, please notify our designated DMCA agent immediately on our Contact Us page.

DMCA Notices must be in writing and must include the following information:

a) an electronic or physical signature of the person authorized to act on behalf of the copyright owner;

b) a description of the copyrighted work that you claim has been infringed;

c) the URL of the site and a description of where the material that you claim is infringing is located on that site;

d) your address, telephone number, and email address;

e) a statement by you that you have a good faith belief that the alleged infringing material is not authorized by the copyright owner, its agent, or the law;

f) a statement by you, made under penalty of perjury, that all the information in your Notice is accurate, and that you are either the copyright owner or authorized to act on the behalf of the owner of an exclusive right that is allegedly infringed.

4. Trademarks and Proprietary Rights Notices

All trademarks, logos, trade names or service marks (collectively the “Marks”) mentioned, used, or displayed on this site are used to effectively deliver accurate information about a product to its users in an article. Marks are used based on when a user submits content about a particular product. You may not display or reproduce the Marks other than with the prior written consent of site admins. You may not remove, obscure, or otherwise modify any copyright, trademark, confidentiality or other proprietary rights notices displayed on, embedded in, or otherwise appearing in any Content offered by, viewed on, or received through this site.

  1. User Content

This site allows users to submit a limited amount of information, messages, suggestions, questions, comments, postings, ratings, ideas, techniques, notes, know-how or other content in any form (collectively “User Content”). By posting User Content on this site, you hereby grant site an unrestricted, transferable and sub-licensable, irrevocable, royalty-free, worldwide, and perpetual license to reproduce, distribute, publicly display, make derivative works of, and otherwise use the User Content in any media whatsoever now known or later invented throughout the world for any purpose whatsoever, commercial or not. You hereby disclaim any right to any compensation from our site in connection with our exercise of its license rights in and to the User Content you have posted on this site. You acknowledge and agree that our stie is under no obligation of confidence to you, and shall not be liable for any use or disclosure of any User Content. By posting the User Content on any site, you represent and warrant that you own the copyright in such User Content or that you have a legitimate license to post the User Content, including photographs or other audiovisual material, without any restrictions whatsoever.

We reserve the right to review any User Content and remove, delete, redact, or otherwise modify such User Content, in its sole discretion, at any time and from time to time, without notice or further obligation to you. Site has no obligation to display or post any User Content. We reserve the right to disclose, at any time and from time to time, any information or User Content that we deem necessary or appropriate to satisfy any applicable law, regulation, contractual obligation, legal, dispute process, or governmental request. We shall have no liability in connection with any User Content submitted to, transmitted via, or displayed or posted on this site.

  1. Links and Third Party Sites

This Website may contain links to and from third-party sites, including but not limited to sites operated by advertisers, vendors, and/or promotional or business partners. Sites and e-commerce opportunities operated by third parties are subject to terms and conditions set by those parties, so you should check each site to be sure you understand the terms, conditions, policies, and requirements of that site. Our site does not endorse, and the inclusion of any link on this site does not imply an endorsement of, any individual vendor, advertiser, or other third party or any of their products or services, and site admins will take reasonable steps necessary to confirm the accuracy or reliability of any of the information provided by any third party. We have no control over: (a) the quality, safety or legality of any item advertised or listed by any third party; or (b) the content of, or any products or services offered by, websites operated by third parties. The site does not guarantee that you will be satisfied with products or services purchased from vendors, advertisers or other third parties that link. You acknowledge and agree that our site admins have not reviewed all of the sites linked to or from this website, does not endorse such sites, is not responsible for such sites, and under no circumstances shall be liable for the contents, products or services of any off-site pages or of any third party sites linked to or from this website. Your linking to any other off-site pages or other sites is at your own risk. Vendors and advertisers are solely responsible for the accuracy of the information they provide, for warranties and guarantees on goods or services sold, for delivery schedules, and for return policies.

  1. Privacy

It is our policy to respect the privacy of visitors at our site. Review our Privacy Policy. The terms and conditions of our Privacy Policy are hereby incorporated into these TOU, and these TOU are incorporated into our Privacy Policy. Your use of this site is subject to both the Privacy Policy and these TOU.

  1. Limitation of Warranties

We provide this website and the content, information, products and services on or through it “as is”, and “as available”, without any warranty of any kind, expressed, implied or statutory. we specifically disclaim any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. 

  1. Limitation of Liability

We do not warrant that the content or services at the site or functions contained in the materials at the site will be available, uninterrupted or error-free, that defects will be corrected, that this site or the server that makes it available are free of viruses or other harmful components, that all products listed, sold or advertised are available, or that all transactions will be completed. neither site admins nor any of its officers, directors, employees, representatives, agents, licensors or licensees warrant or make any representations that the content, materials or information contained at this site are correct, accurate, complete, up to date, and/or reliable.

In no event shall our site or anyone who helped develop, create, produce, display, transmit or deliver the content, material and information used in this site be liable for lost profits or any special, punitive, treble, enhanced, incidental or consequential damages arising out of, or in connection with, use of our site, links to or from this site, information posted on our site, our services, any products or services you purchase, or this agreement, even if they have been advised of the possibility of such damages. in no event shall our liability to you or any third parties in any circumstances for any and all losses, whether in contract, tort or otherwise, exceed the amount paid by you, if any, for accessing this site. neither site owners nor any of its affiliates, parents, subsidiaries, officers, directors, employees, representatives, agents, licensors or licensees shall be liable for any losses you might sustain by engaging in transactions with buyers or sellers who you meet as a result of classified advertisements posted on any website.

  1. Indemnity and Hold Harmless

We are not responsible for the accuracy, quality, safety, legality, intellectual property compliance, privacy policy, or content of any information, product or service offered by users, vendors, advertisers, promotional or business partners or any third-party sites, and you irrevocably waive any claim against site officers, directors, employees, representatives, agents, licensors, and licensees with respect to the same. We do not guarantee such accuracy, and makes no representations regarding the use or results of use of any Content on this site in terms of its accuracy, reliability or any other matter. You assume the risk of their use and the entire cost of all necessary loss, servicing, repair or correction as a result of their use.

You agree to hold our site and its officers, directors, employees, representatives, agents, licensors and licensees harmless from any and all claims, demands, attorneys’ fees, damages (actual and consequential) of every kind or nature, known and unknown, disclosed or undisclosed, arising out of, or any way connected with the use of any information at this site, any transaction occurring through this site, the safety or quality of any goods or services purchased or sold through this site, or the truth or accuracy of any claim made about such goods or services.

You also agree to indemnify, defend, and hold site officers, directors, employees, representatives, agents, licensors and licensees harmless from any loss, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of this website, your breach of these Terms of Use or the documents that it incorporates by reference, or your violation of any law or the rights of any third party in connection with your use of this site.

  1. Termination of Services

We may eliminate or terminate any Content or service posted on or made available through any of our websites without notice to you at any time in our sole discretion. Without limiting any other remedy, we reserve the right, in its sole discretion, to immediately issue a warning or to immediately, temporarily, or permanently suspend or terminate your participation in the site or any area of the site, and to refuse to provide our services to you if: (i) you breach these TOU or any of the rules or eligibility requirements of this site or the services offered at this site; (ii) if we are unable to verify or authenticate any billing information you provide to us; or (iii) or if we believe that your actions may cause damage, harm or legal liability to you, or to any vendor, business or promotional partner, advertiser, other user, the public, or us.

  1. Notices

Except with respect to notices of alleged copyright infringement, which must be submitted as described above, and unless explicitly stated otherwise in the site, you must provide all notices or complaints via our contact forms. All notices from our site to you will be sent to the e-mail address you provide to us. Notice shall be deemed given twenty-four (24) hours after the e-mail is sent, unless we are notified that the e-mail address is invalid.

  1. Arbitration

Any controversy or claim arising out of or relating to your use of the site, or relating to these TOU or the Privacy Policy, or to the services provided by our site shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Tampa, Florida, and judgment on the arbitration or award may be entered into any court having jurisdiction thereof. Notwithstanding the preceding sentences of this Section, we may seek injunctive or other equitable relief in any federal or state court having jurisdiction in the event of your violation of these TOU and/or your infringement of our site’s intellectual property rights or the intellectual property rights of any other person or party.

  1. Modifications to these Terms of Use

We reserve the right, in its sole discretion, to change, modify, add, or remove portions of these TOU at any time, so please check this site you use periodically for changes. Changes to these TOU shall be effective upon posting. Continued use of the site following the effective date of any changes to these TOU constitutes your acceptance of those changes.

  1. General Provisions

(a) Severability. If any provision of these TOU is held to be invalid or unenforceable, it shall be stricken without affecting the validity of the remaining portions of these TOU. Headings are for convenience only, and are not intended to in anyway to confine, limit, construe or describe the scope or extent of such section.

(b) No Waiver. No waiver by our site of any breach of these TOU by you shall constitute a waiver of this or any other provision of these TOU or alter or limit our right to act with respect to subsequent or similar breaches.

(c) Entire Agreement. These Terms of Use and the materials incorporated by reference herein, including our site’s Privacy Policy, form the entire understanding and agreement between you and our site with respect to your use of this site and the services offered hereunder and may be modified only in accordance with the procedures specified herein.

(d) No Agency. You acknowledge and agree that in providing this site, is not acting for or on behalf of either you, or any vendor, business or promotional partner, or advertiser. You and our vendors, business or promotional partners and advertisers are independent contractors. No agency, fiduciary, partnership, joint venture, employer/employee, or franchiser/franchisee relationship is intended or created by these TOU bet the een site and either you or any vendor, business or promotional partner or advertiser at this site.

(e) Governing Law/Venue. Your use of this website and any dispute arising out of or relating to your use of this website will be governed by the laws of the State of Florida, irrespective of its conflicts of laws provisions. In the event that site wises to pursue injunctive or other equitable relief as a result of your violation of these TOU and/or your infringement of our intellectual property rights, we may bring legal action against you in any federal or state court having jurisdiction.