Terms and Conditions

This terms & conditions are between you and www.creditlocation.com, owned and operated by Credit Location LLC, a company duly registered in Alabama, its past, present, or future assignees, successors, and their respective agents, employees, directors, officers, and partners, with a principal place of business at 420 20th St N Ste 2200 Birmingham, AL 35203.

1. Signing Up

You are not required to sign up for Credit Location’s services in order to visit and read material on the Website; however, you will need to sign up if you want it to assist you in your efforts to improve your credit reports and rating. If you do so, you agree to provide accurate and complete information. You must be legally capable to enter contracts. It is your responsibility to make any updates to that information. Each sign-up is for a single person only. We do not permit any other person to enroll in Credit Location’s services on behalf of another.

2. Ownership

2.1 The Website contains information, content, photographs, designs, graphics, images, sound and video recordings, animation 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 Credit Location or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners.

2.2 Further, Credit Location retains all rights, title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the “Technology”)(the terms Content and Technology collectively will be referred to as the “Materials”). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

3. Use of Website and Materials

3.1 Credit Location provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited. You may not, either directly or indirectly:

• Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Website or Materials without the express written permission of Credit Location or the applicable rights holder.
• Use the Materials for telemarketing, direct marketing, and commercial mass e-mail or by agents or representatives or e-mail spammers.
• Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributes or copyright notices.
• Use any network monitoring or discovery software to determine Website architecture, or extract information about usage or users.

3.2 Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose, or to transmit to or through the Website or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic, or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the Website or Materials.

4. License

By using the Website, uploading content to or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) Credit Location 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 through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.

5. Linking

You may provide links only to the homepage of this Website, provided (a) you do not remove or obscure, by framing or otherwise, any portion of the homepage, (b) you give Credit Location notice of such link by sending an e-mail and (c) you discontinue providing links to this Website if requested by Credit Location.

6. Representations

You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the Website Terms and applicable law and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.

7. Disclaimer

Credit Location makes every effort to ensure the information presented in, on or through its website is accurate; however, Credit Location makes no guarantee as to such information, and is not responsible for any resulting loss or damage.

8. Warranty, Liability, Indemnification

8.1 Credit Location makes no representations regarding the availability and performance of its website. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that Credit Location shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use.

8.2 The website and materials are provided by Credit Location on an “as is” basis and as available, without any warranty or representation of any kind, whether express, implied, statutory or otherwise. Credit Location expressly disclaims any and all warranties, express or implied, including without limitation warranties of merchantability, accuracy, fitness for a particular purpose, non-infringement and the implied conditions of satisfactory quality and acceptance as well as any local jurisdictional analogues to the above and other implied or statutory warranties. we make no representations that the website or materials will meet your requirements, or the results that you may gain from your use of the website.

9. Indemnity

You agree to indemnify, defend, and hold harmless Credit Location, its officers, directors, employees, agents, representatives, vendors, and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that such parties may incur as a result of or arising from your (or anyone using your accounts) violation or breach of any representation or obligation under the Website Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with our defense of such claim.