Terms of Use

This website, http://creditforums.com (the “Site”) is owned and operated by CreditShout, LLC, a Georgia limited liability company (also referred to herein as “we” and “us”).

By entering this website, or following the links found on this Site, you expressly agree to be bound by this agreement. Accepting these terms is a condition of visiting our Site.

The Site contains advertisements, sponsored content, paid insertions, affiliate links or other forms of monetization.

We are never directly compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this website are purely those of the authors. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

The Site abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. Assume all reviews and content on this Site are paid or sponsored. While we attempt to avoid it, the compensation we receive may influence the advertising content, topics or posts made in this blog.

We makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to or from this Site.

User Content and Use of Our Forums

We encourage you to use our Site to interact with other consumers and our forum members. We may provide you and others with the opportunity, through forums, blogs, message boards, review pages or other communication functionality to submit to us certain content and materials (“User Content”) for display, distribution or publication on the Services.

By using our site, you agree to the following (the “User Consent Rules”):

  • You will not misrepresent yourself or impersonate others. Do not misrepresent yourself, impersonate others, or otherwise submit User Content that is false, deceptive, inaccurate, or that is likely to mislead, deceive or confuse others.
  • You will not infringe. You must own or have all necessary rights to post, submit or display your User Content (including photographs and video) and to grant us the license to use such User Content as described in these terms. We reserve the right to investigate and/or remove any User Content that we believe, in our sole discretion, may infringe someone’s copyright, trademark, or other intellectual property rights.
  • You will not publish private information. Do not publish any person’s private or confidential information, such as addresses, phone numbers, credit card or other financial account numbers, or Social Security Numbers.
  • You will not engage in threatening or abusive behavior. Do not post User Content that threatens, abuses, harasses or bullies others. Your User Content may not disparage others on the basis of race, ethnicity, national origin, religion, gender, gender identity, gender expression, sexual orientation, military or veteran status, disability, marital status or age.
  • You will not publish violent, sexually explicit material or obscenities. Do not post User Content that depicts or promotes graphic or gratuitous violence, including violence to animals, that contains sexually explicit or pornographic material, or that includes obscene, profane or otherwise objectionable material.
  • You will not engage in illegal activities. You may not use our Site, including our forums, to promote or commit illegal acts or otherwise in furtherance of criminal activity.
  • No spam. Don’t use our forums for spamming others, including posting unwanted commercial, advertisement or promotional materials.
  • No viruses, malicious materials or phishing. Your User Content may not contain viruses, Trojan horses, spyware, malware or other malicious technologies of any kind. Further, you may not use User Content or the Site for phishing or similar scams.

We reserve the right to take any action we deem appropriate in our sole discretion, including reporting to law enforcement, in response to User Content that may violate these User Consent Rules

By using our Site, you agree to follow these rules with respect to User Content and your use of our various user forums.

Please check back here for our latest rules, as we may need to change them from time to time and reserve our right to do so.

By submitting, posting or displaying User Content on or through the Site, you grant to us a non-exclusive, transferable, unlimited, worldwide, irrevocable, sub-licensable and royalty-free license to publish, host, copy, distribute, modify, create derivative works from, reproduce, display, perform, transmit, process or otherwise use in any manner whatsoever and in all formats or distribution methods now known or developed hereafter, all or any portion of your User Content for the purposes of providing, optimizing, improving and promoting our Services. You agree this license includes the right to use your name, persona and likeness included in any User Content in connection with delivering our services, without any obligation or compensation to you. You further agree this license includes the right for us to publish your User Content in a searchable format that may be accessed by other users of the Site.

You are solely responsible for and retain ownership in the User Content you submit, post, or display via the Site, subject to the license granted to us above. We do not endorse, represent, or guarantee the completeness, accuracy, reliability or usefulness of any User Content. You further acknowledge that we may (but has no obligation to) review, monitor, edit, control, distribute, refuse to distribute, block access, re-format, alter, distort, delete or remove User Content in order to satisfy any applicable law, enforce the terms, or protect the rights, property or safety of us, our users or any third party in our sole discretion.

Warranties and Disclaimers

USE OF OUR SITE, THE CONTENT AND ANY MATERIALS OBTAINED THROUGH YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. WE MAY DISCONTINUE OR MAKE CHANGES IN THE SITE OR THE CONTENT AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU OR ANY THIRD PARTY. NONE OF US OR ANY OF OUR AFFILIATES, REPRESENTATIVES, AGENTS, OR SERVICE PROVIDERS, OR ANY OF OUR OR THEIR RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, SHAREHOLDERS, EMPLOYEES, AGENTS, VENDORS, INDEPENDENT CONTRACTORS, LICENSORS OR REPRESENTATIVES (COLLECTIVELY, THE “CREDITSHOUT PARTIES”) UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY CONTENT OR OTHER INFORMATION PUBLISHED THROUGH THE SERVICES.

WE PROVIDE THE SERVICES AND CONTENT “AS IS,” “AS AVAILABLE” AND “WITH ALL FAULTS,” AND NEITHER WE NOR THE CREDITSHOUT PARTIES MAKE ANY WARRANTIES ABOUT THE RELIABILITY, ACCURACY OR USEFULNESS OF THE CONTENT OR THE SERVICES, USER CONTENT, OR SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TRANSMITTED TO OR FROM US OR VIA THE SITE.

THE CREDITSHOUT PARTIES FURTHER MAKE NO REPRESENTATIONS, WARRANTIES OR ENDORSEMENTS THAT: (1) THE SITE WILL MEET YOUR REQUIREMENTS; (2) THE SITE’S CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (3) THE QUALITY OF ANY OF THE CONTENT, THE INFORMATION OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS; OR (4) ANY ERRORS IN TECHNOLOGY WILL BE CORRECTED.

FURTHER, THE CREDITSHOUT PARTIES DISCLAIM ALL OTHER WARRANTIES RELATING TO THE SERVICES OR THE CONTENT, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT SUCH WARRANTIES ARE REQUIRED BY APPLICABLE LAW.

YOU ACKNOWLEDGE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND OUR MARKETING PARTNERS FOR WHOM WE DISPLAY OFFERS FOR FINANCIAL PRODUCTS AND SERVICES.

THE CREDITSHOUT PARTIES EXPRESSLY DISCLAIM ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OR THE SITE INCLUDING, WITHOUT LIMITATION, THE AVAILABILITY OR LEGALITY OF ANY OF THE OFFERS FROM OUR MARKETING PARTNERS; OR ANY TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE CREDITSHOUT PARTIES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.

Limitation of Liability

UNDER NO CIRCUMSTANCES WILL THE CREDITSHOUT PARTIES BE LIABLE FOR ANY LOSS OR DAMAGES INCLUDING, WITHOUT LIMITATION, GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR ANY OTHER DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES) OF ANY KIND WHETHER IN AN ACTION IN CONTRACT OR TORT, EVEN IF THE CREDITSHOUT PARTIES ARE OR WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, ARISING OUT OF OR RELATING IN ANY WAY TO: (A) ANY PARTY’S USE OR INABILITY TO USE THE SITE, THE CONTENT, OR ANY THIRD-PARTY SITE TO WHICH THE SERVICES OR CONTENT LINK; (B) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; (C) THE COST OF GETTING SUBSTITUTE GOODS OR SERVICES; (D) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICES; (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (F) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICES; (G) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY SITE; OR (H) ANY OTHER MATTER ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES, THE CONTENT OR USER CONTENT. THE CREDITSHOUT PARTIES ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER.
YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES OR THE CONTENT IS TO DISCONTINUE USING THE SERVICES OR ACCESSING THE CONTENT AND, IF YOU HAVE REGISTERED FOR ANY SERVICES THAT REQUIRE REGISTRATION, TO TERMINATE YOUR ACCOUNT.

IN NO EVENT WILL THE CREDITSHOUT PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER EXCEED TEN UNITED STATES DOLLARS ($10.00 USD).

WAIVER OF UNKNOWN CLAIMS:

BY ACCESSING THE SERVICES, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, WHICH PROVIDES AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR,” AND, TO THE EXTENT APPLICABLE, CORRESPONDING RIGHTS UNDER ANY SIMILAR LAW OF ANY STATE,

IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, THE CREDIT CREDITSHOUT PARTIES’ TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

Governing Law and Dispute Resolution

The laws of the State of Georgia, including the conflicts of law provisions thereof, will apply to any disputes arising out of or in any way related to these terms or the Site. All claims arising out of or in any way related to these terms or the Services will be litigated exclusively in a federal or state court of competent jurisdiction in Fulton County, Georgia, and you and we submit to personal jurisdiction in those courts.

NO CLASS ACTIONS

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION YOU MAKE AGAINST US OR THE CREDITSHOUT PARTIES ARISING OUT OF, IN CONNECTION WITH OR IN ANY WAY RELATED TO THE SERVICES WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION.

Termination

These terms, as may be amended from time to time, are effective until your account, if applicable, is deactivated by either you or use and you discontinue your use of the Site.

Any section of the terms that by its nature is intended to survive termination of this Agreement or your use or access to the Site shall survive such termination.

Contact

If you have any questions regarding these terms, or your dealings with our Site, please contact us here: [email protected]

These Terms of Use were last modified on April 13, 2015.