ERASE MY DEBTS

Effective Date: February 2, 2023

Your personal information will also be shared with third parties for email marketing purposes.

This Privacy Policy covers the information practices of websites that link to this Privacy Policy. EraseMyDebts.net is owned and operated by Erase My Debts, LLC (“Erase My Debts”). Erase My Debts has adopted this Privacy Policy (“Privacy Policy”) to inform you that it collects personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) when you use the Website and to explain how this PII and Non-PII is used. Erase My Debts has also adopted this Privacy Policy because it respects your privacy and believes that it should clearly and transparently disclose its privacy practices to the users.

Erase My Debts respects your privacy and makes a concerted effort to protect your identity and personal information.

Erase My Debts MAY CHANGE, MODIFY, AMEND, SUSPEND, TERMINATE, OR REPLACE THIS PRIVACY POLICY FROM TIME TO TIME AND WITHIN ITS SOLE AND ABSOLUTE DISCRETION. IN THE EVENT Erase My Debts CHANGES, MODIFIES, AMENDS, OR REPLACES THIS PRIVACY POLICY, THE EFFECTIVE DATE, LOCATED ABOVE, WILL CHANGE. YOUR CONTINUED USE OF THE WEBSITES AFTER A CHANGE IN THE EFFECTIVE DATE OF THIS PRIVACY POLICY CONSTITUTES YOUR MANIFESTATION OF ASSENT TO THE CHANGE, MODIFICATION, AMENDMENT, OR REPLACEMENT CONTAINED WITHIN.

ERASE MY DEBTS MAY COLLECT THE FOLLOWING PII FROM YOU:

PII is information that can be used to uniquely identify, contact, or locate a single person or can be used with other sources to uniquely identify a single individual. Erase My Debts collects PII from you only when you voluntarily provide it to us, as provided herein or in instances in which you must provide such information to use features of the Website. Erase My Debts may collect this personal information from you through various channels, including, but not limited to, through your voluntary submission of information to the Websites and through requests initiated by you through the Websites.

Erase My Debts may share PII with its parent, subsidiaries, divisions, and affiliates or as part of any sale, merger or acquisition. Your PII will not be sold to unaffiliated third parties without your approval at the time of collection. You agree to inform Erase My Debts of any changes to your PII, and protect the security of your PII.

Our primary goal in collecting information is to provide you with the services made available through the Website, including to communicate with you, and to manage and improve the Websites. Here is the PII that Erase My Debts may collect from you:

Any information that you voluntarily submit/input to the Website, for example, without limitation;

First and last name;

Email address;

Mailing address;

Date of birth;

Phone Number;

Job Title;

Employer Information;

Social Security Number;

Residence Type;

Monthly Income;

Bankruptcy History;

Photograph/image;

Country;

Your IP address;

Geo Location Data;

Business name, business website, business email address; and/or

Other required information to utilize Erase My Debts’s services.

Erase My Debts may collect this PII from you through credit card payments processed by third party payment processors, such as PayPal. You agree to the all terms and privacy policies of any vendor Erase My Debts uses to process your payment.

Erase My Debts may allow advertisers or other third party service providers to collect the same types of PII.

ERASE MY DEBTS MAY ALSO COLLECT THE FOLLOWING NON-PII FROM YOU:

Non-PII is data that is not used to specifically identify, contact, or locate an individual. Erase My Debts collects and analyzes information concerning your computer and browsing activities, through the use of cookies, web beacons, pixel tags, Google Analytics, and through other sources permitted by law. Here is the Non-PII that Erase My Debts may collect from you:

Your use of the Website, including, without limitation, frequency of use, statistics, functionality utilized, and pages visited;

Information stored in cookies, pixel tags, or web beacons;

Analytic data from Google Analytics; and

Any other additional analytic data that you voluntarily submit to the Website.

Erase My Debts uses Google Analytics to help analyze how users use the Website. The tool uses “cookies,” which are text files placed on your computer, to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the website (including IP address) is transmitted to Google. This information is then used to evaluate visitors’ use of the website and to compile statistical reports on website activity for Erase My Debts.

None of the Non-PII is linked to PII and Erase My Debts makes no attempt to link IP addresses to the individuals who visit the Websites.

You can set your browser to warn you about attempts to place cookies on your computer or limit the type of cookies you allow. However, if you limit the ability of our sites and services to set cookies, you may limit your overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings such as login information. Please note that companies delivering advertisements on our sites may also use cookies or other technologies, and those practices are subject to their own policies.

You can opt-out of Google Analytics for Display Advertising and customize Google’s Display Network ads using Google’s Ad Settings. You can opt-out of Google Analytics by using Google Analytics Opt-out Browser Add-on.

Please note that not all browsers provide the ability to remove Adobe Flash “cookies” (also called “locally stored objects,” or “LSOs”). You can restrict or block Adobe Flash cookies/LSOs through the Adobe website.

You can opt out of being targeted by certain third party advertising companies online by visiting the Network Advertising Initiative, Adobe, and/or Digital Advertising Alliance.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org, or www.aboutcookies.org.

ERASE MY DEBTS USES THIS PII AND NON-PII TO:

Provide you with the Website, process any customer service or support requests made by you, process any orders or business contemplated by the Website, communicate with you, identify and fix problems with the Website, update you on changes to the Website, and to update you on Erase My Debts’s services offered through the Website or the services of third parties.

Advertisements appearing on the Website may be delivered to you by Erase My Debts or one of our web advertising partners. We allow third parties who provide advertising services to use Cookies, as defined above, in connection with your use of the Website. Doing this allows the advertising partners to recognize your computer each time they send you an advertisement. In this manner, they may compile information about where you, or others who are using your computer, saw their advertisements and determine which advertisements are clicked. This information allows an advertising partner to deliver targeted advertisements that they believe will be of most interest to you. We do not have access to or control of the cookies that may be placed by the third party servers of advertisers. This privacy statement only covers the use of cookies by Erase My Debts and does not cover the use of cookies by any of its advertisers.

Erase My Debts may share your PII with third parties where it has obtained your consent, whether express or implied, with third party service providers to provide you with services initiated at your request, with Erase My Debts’s parents, subsidiaries, successors, and assigns, and with Erase My Debts’s business partners who offer services through or in association with the Websites.

Erase My Debts may use your PII, including your email address, to communicate with you about the Website, your use of services related to the Website, such as promotions, advertising placements, and/or the purchase of goods or services. Erase My Debts may also use your PII, including your email address, for marketing, research, and advertising purposes.

Erase My Debts may share or disclose aggregated data, PII, or Non-PII in the aggregate with Erase My Debts’s parents, subsidiaries, successors, assigns, licensees, affiliates, or business partners.

You understand and agree that Erase My Debts will not be held responsible for any third party communications sent by entities that Erase My Debts does not own or control or for any third party links (including advertisements). You are encouraged to review any third party privacy policies before utilizing any such third party service.

You are solely responsible for the protection of any PII that you submit to the Websites, and you are advised to review that PII before you submit it to the Websites.

Comply or attempt to comply with all laws domestic and foreign.

SHORT MESSAGE SERVICE OR “SMS”:

By providing your wireless telephone number to EraseMyDebts.net, you hereby opt-in to the EraseMyDebts.net SMS service and represent that you are authorized to opt in to the EraseMyDebts.net SMS service. Message and data rates may apply to SMS messages sent and received by you. If you have any questions regarding those rates, please contact your wireless carrier. By opting in to the EraseMyDebts.net SMS service, you understand and agree to the following:

Data obtained from you in connection with this service may include Personally Identifiable Information;
EraseMyDebts.net may share your wireless telephone number with third parties in order to send you SMS messages on behalf of EraseMyDebts.net and such third parties;

3.You can always cancel this service at any time by opting out or by texting the word “STOP”, “END” or “QUIT” in response to the SMS message you have received. Upon receipt of your “STOP”, “END”, or “QUIT” message, one additional SMS message may be sent to you in order to confirm that you have been unsubscribed. EraseMyDebts.net is not liable for any delays in the receipt of any SMS message. The EraseMyDebts.net SMS service is provided on an “as is” basis, without warranties of any kind. You acknowledge and agree that SMS message content is transmitted unencrypted and that eavesdropping of wireless communications, including SMS messages, by third parties is possible.

EraseMyDebts.net is not liable for any delays in the receipt of any SMS message. The EraseMyDebts.net SMS service is provided on an “as is” basis, without warranties of any kind. You acknowledge and agree that SMS message content is transmitted unencrypted and that eavesdropping of wireless communications, including SMS messages, by third parties is possible.

ERASE MY DEBTS STORES YOUR PII AND NON-PII IN THE FOLLOWING MANNER:

Your PII and Non-PII are stored and processed on computers and servers in the United States and, through your use of the Website, you unequivocally consent to the processing and storage of your PII and Non-PII. You understand and agree that Erase My Debts may continue to store your information after you cease use of the service.

Erase My Debts uses commercially reasonable efforts and standard technology to store and help prevent against the unauthorized disclosure of your PII. Though it undertakes commercially reasonable efforts to protect your PII, no Website is completely safe. Accordingly, you provide all such PII at your own risk.In order to protect your PII, Erase My Debts will use specific security measures, such as the Secure Socket Layer (SSL) protocol.

ERASE MY DEBTS MAY SHARE YOUR PII AND NON-PII WITH THIRD PARTIES IN THE FOLLOWING CIRCUMSTANCES:

Where Erase My Debts has obtained your consent, where sharing or disclosure of your PII is necessary to provide you with the Websites and/or services associated therewith, where sharing or disclosure of your PII is necessary to share PII with Erase My Debts’s parents, subsidiaries, successors, assigns, licensees, affiliates, or business partners, where Erase My Debts has been purchased by a third party, where sharing or disclosure of your PII is necessary to respond to requests by government authorities, where your PII is demanded by a court order or subpoena, where sharing or disclosure of your PII is needed to protect the employees, independent contractors, officers, directors, members, users, or shareholders of Erase My Debts, and where sharing or disclosure of your PII is needed to help prevent against fraud or the violation of any applicable law, statute, regulation, ordinance, or treaty. You understand and agree that Erase My Debts may specifically share your information with mobile service providers, search engine providers, payment processors, web merchants, and online retailers in order to complete the services offered through the Websites.

Erase My Debts is not responsible for privacy practices of third parties. This Privacy Policy applies solely to information collected by Erase My Debts and the Websites.

PURCHASE OR SALE OF THE WEBSITE OR OTHER ASSETS:

Erase My Debts may purchase other businesses or sell components of its business, including, but not limited to, the Website. In the event Erase My Debts purchases another business or sells any component of its business, your Non-PII and PII will continue to be used consistent with the terms of this Privacy Policy.

YOU MAY LIMIT OR STOP ERASE MY DEBTS FROM COLLECTING YOUR INFORMATION BY:

Erase My Debts will allow you to opt-out of email, mail, and phone marketing, including autodialer, by sending an email notification to info@EraseMyDebts.net.To opt out of receiving SMS messages please follow the procedure set forth above in paragraph #4. Please bear in mind that any third-party vendor or affiliate may have purchased your contact information from an additional third-party and thus you may continue to receive contacts from those third-party companies. Erase My Debts is not responsible for any third party, affiliate, sponsor, or advertiser email service. If you believe you have received unwanted, unsolicited emails sent via this system or purporting to be sent via this system, please forward a copy of that email with your comments to info@EraseMyDebts.net for review. We will look into the matter immediately. Unless you utilize the opt-out procedures provided, we will assume you consent to receiving communications from us and our third-party vendors and affiliates.

In some circumstances, you can adjust your web browser settings, limiting cookies or other tracking techniques, or by ceasing your use of the Websites in order to preclude any further capture of your information. You may contact Erase My Debts with any requests regarding your information, but Erase My Debts reserves the right to act or not act upon such requests.

CALIFORNIA RESIDENTS

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit the CCPA Privacy Notice.

NEVADA RESIDENTS

In accordance with SB 220, Nevada consumers may opt-out of the sale of their personal information to third parties. If you reside in Nevada and you have provided us with your personal information, you may choose to opt-out of the sale of such personal information by emailing us at info@EraseMyDebts.net with “Nevada Privacy Rights” in the subject line. We may request for additional information from you in order to verify your identity and/or the authenticity of your request.

Children’s Online Privacy Protection Policy

The Website is not intended for or directed to users under the age of 18, and Erase My Debts does not knowingly or intentionally collect PII from children under the age of 16 or other minors. Where appropriate, Erase My Debts takes reasonable measures to determine that users are adults of legal age and to inform minors not to submit such information to the Websites or in response to advertisements. If you are concerned that PII may have been inadvertently provided to or collected by Erase My Debts, please contact us immediately so appropriate steps may be taken to remove such information from Erase My Debts’s database.

ELECTRONIC DOCUMENTS CONSENT AND ACKNOWLEDGEMENT

By agreeing to receive information from Erase My Debts electronically, you will receive certain notice, records, information, and documents related to your application and financing transaction electronically, which may give rise to any other dealings or transactions you may have with lending organizations.

By fully completing your application, agreeing to receive Electronic Documents, and acknowledging to have read the Privacy Policy, you agree:

That you can receive documents electronically to conduct business electronically;

That you can receive and read email messages sent to the email address in your application;

That you can access information provided electronically at the Websites and other web sites related to your application;

To receive documents electronically and to store or print those documents for your records;

That the actions described here or on the documents will serve as your electronic signature on any such documents; and

That you are providing your consent to receive electronic communications from Erase My Debts under the Electronic Signatures in Global and National Commerce Act.

Before you decide to receive Electronic Documents, you must determine if you have the necessary hardware and software. To access the Electronic Documents, you will need a working email address, Adobe Acrobat Reader and a computer or other access device that can access the Internet using a web browser. To retain the Electronic Documents, the computer or access device must allow you to download and save Electronic Documents to a hard drive or external storage media.

You may withdraw your consent to receive Electronic Documents any time by sending an email to Erase My Debts at info@EraseMyDebts.net. If you do, we will continue the application and financing process in non-electronic format at no charge to you. If you decide to withdraw your consent, any Electronic Documents that we previously provided to you will remain valid, enforceable, sufficient for its intended purpose and unaffected by the withdrawal of your consent.

If you wish to obtain paper copies of any Electronic Documents, you may send a request to Erase My Debts at info@EraseMyDebts.net. A paper copy of the will be provided to you at no charge.

STATE SPECIFIC NOTICES

For Maine Applicants, you have the right of free choice in the selection of the agent and insurer through or by which insurance in connection with a loan is to be placed. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender.

For New York Applicants, a consumer report may be requested in connection with your application. Upon your request, we will tell you whether or not the consumer report was requested and give you the name and address of the consumer reporting agency that furnished the report.

For California Applicants, you may apply for a separate account if you are married.

For Ohio Applicants, Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

For Wisconsin Applicants, Wisconsin law provides that no provision of a marital property agreement, a unilateral statement under the marital property law, or a court decree, will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

For Delaware Applicants, every licensee shall furnish to every applicant, a copy of this regulation at the time when such application is made. Posting of this regulation in the office of the licensee in a place both prominent and easily visible to all potential applicants shall satisfy this requirement. An explanation as to the contents and limitations contained herein shall satisfy this requirement when transactions occur telephonically. An informational screen containing these limitations with an affirmative acknowledgement by the consumer, prior to application, shall satisfy this requirement for internet transactions.

For Rhode Island Applicants, you may obtain credit reports in connection with your application for credit.

For Vermont Applicants, other than for our everyday business purposes, we will not share the following without first giving you additional choices: (i) personal information with non-affiliates; and (ii) personal information about your creditworthiness with affiliates or joint marketing partners.

Contact and Notices

All questions and concerns regarding this Privacy Policy may be submitted to:

Erase My Debts, LLC

A copy of any such notice must be emailed to info@EraseMyDebts.net, but email notice alone shall not comply with the notice requirements of this Agreement.

Effective Date: February 5, 2023

The EraseMyDebts.net website and its associated services and content (collectively “Website”) is owned and operated by Erase My Debts, LLC (“Erase My Debts”). Erase My Debts has adopted this Terms of Use Agreement (“Agreement”) to inform you of your rights and duties when using the Website. If you do not agree with the terms and conditions of this Agreement, you are expressly prohibited from using the Website and must discontinue your use immediately.

Please read this Agreement carefully before accessing, paying for, or using the Website and associated services. You agree that your accessing and use of the Website subject you to the applicable terms of this Agreement.

Erase My Debts MAY, FROM TIME TO TIME, AND RESERVES THE RIGHT, IN ITS SOLE AND ABSOLUTE DISCRETION, TO MODIFY, UPGRADE, LIMIT, CHANGE, DISCONTINUE, OR REPLACE THE WEBSITE OR THIS AGREEMENT. IN THE EVENT Erase My Debts MODIFIES, LIMITS, CHANGES, OR REPLACES THE WEBSITE OR THIS AGREEMENT, YOUR USE OF THE WEBSITE AFTER SAID MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT CONSTITUTES YOUR MANIFESTATION OF ASSENT TO THE MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT. HOWEVER, Erase My Debts WILL MAKE REASONABLE EFFORT TO NOTIFY YOU BEFORE ANY MAJOR CHANGES ARE MADE TO THE WEBSITE.

ABOUT THE SITE

Erase My Debts matches qualified car applicants with appropriate dealers/lenders in the industry. The Website provides applicants with the opportunity to complete online car loan applications by providing information and quotes regarding auto insurance, car loan calculations, credit scores, credit repairs and Bankruptcy.

Although the Website aims to provide reliable information and resources about car loan applications, quotes, and financing, Erase My Debts does not guarantee the information provided about car loans and car loan applications. You understand and agree that Erase My Debts is not a lender and does not make credit decisions, so any pre-qualification, approval, finance terms, and APR will be at the sole discretion of the participating lenders or dealers. The Website is free for users and displays content various third-party advertisements related to, but not limited to car loans and credit scores. The Website also displays blogs, customer reviews, and other resources to appropriately match up qualified car applicants with dealers/lenders.

Even though Erase My Debts will use commercially reasonable efforts to enable the Website to be generally accessible, you understand that Erase My Debts is not obligated to provide any maintenance, technical or other support for the Website.

WARRANTIES AND REPRESENTATIONS

You warrant and agree that you have the right and legal capacity to enter into this Agreement and to adhere to its terms and conditions. Persons under the age of eighteen (18) may not use the Website. You warrant that you are not prohibited from assenting to this Agreement by any preexisting Agreement.

You warrant and represent that any and all information that you provide to Erase My Debts and the Website is accurate and valid. You agree to comply in good faith with the terms of this Agreement.

Given the global nature of the Internet, you agree to comply with all laws and rules where you reside or where you use the Website. The Website is operated in the United States and Erase My Debts makes no representation that its Website or services are appropriate, lawful, or available for use in other locations. Erase My Debts does not offer the Website where prohibited by law. You agree that if it is illegal in your jurisdiction to use the Website, you are prohibited from doing so.

OWNERSHIP OF WEBSITE AND LICENSE

You acknowledge and agree that Erase My Debts is the owner of, or has rights in and to, the Website and its associated content, including but not limited to all intellectual property rights inherent therein. The Website is protected by all applicable laws, intellectual property or otherwise, and you are expressly prohibited from using the Website for any purposes not explicitly stated in this Agreement. Specifically, and except where otherwise allowed under this Agreement, you are prohibited from framing, scraping, aggregating, hacking, reverse engineering, crawling, reproducing, preparing derivative works of, distributing, performing publicly, or displaying publicly the Website, whether in whole or in part, without the prior written consent of Erase My Debts.

Erase My Debts hereby grants you a limited, non-exclusive, non-sublicensable, royalty free, non-assignable, and revocable license to use the Website for its customary and intended purposes. Use of the Website for a use outside of its customary and intended purposes or in violation of the terms of this Agreement will result in the termination of this license. Absent prior written permission from Erase My Debts, you are not permitted to reproduce, prepare derivative works, distribute copies, perform, display, or use for commercial purposes the Website or its content. This license is revocable at any time, and any rights not expressly granted herein are reserved to Erase My Debts.

TRADEMARKS

All trademarks, common law or registered trademarks, displayed on this Website are the property of their respective owners. Specially, all Erase My Debts marks are owned by or licensed property of Erase My Debts, including, but not limited to Erase My Debts and Erase My Debts logos. The Website, including its look and feel, color selections, layout, and arrangement, is the trade dress of Erase My Debts. You are prohibited from using Erase My Debts’s trademarks, service marks, and trade dress, or any colorable imitation thereof, to indicate the source of, sponsorship of, approval of, affiliation with, connection with, or association with your goods or services without the prior written consent of Erase My Debts.

Our Web Service Is Free:

Use of the Website is free for all users. Any enhanced services or tools for advertisers can be purchased on terms included or displayed on the Website, including the terms posted herein.

Please see the Website’s Privacy Policy, which is incorporated into this Agreement by reference, regarding the collection and use of information about you. Erase My Debts does not endorse you or discriminate based upon any information provided by you to the Website.

Erase My Debts may change any terms, conditions, rates, fees, expenses, or charges regarding your use of the Website at any time. Your use of the Website shall constitute acceptance of any changes made to this Agreement.

You agree to provide Erase My Debts with accurate, up to date, and complete information. You understand and agree that you have an ongoing duty to update your personal information if and when it changes. You are expressly prohibited from impersonating another person or otherwise violates the rights of a third party. Erase My Debts reserves the right to restrict your access to the Website, in its sole discretion, and without prior warning.

Erase My Debts is under no obligation to preserve your data for any length of time and will not be responsible for any loss of data. Erase My Debts is under no obligation to provide you with any data associated with your use of the Website, except as otherwise provided in the Privacy Policy.

You agree that Erase My Debts, and its designees and agents, may contact you by any available means, including, but not limited to, by email.

SECTION 230 OF COMMUNICATIONS DECENCY ACT

You acknowledge and agree that Erase My Debts is an interactive computer service provider under Section 230 of the Communications Decency Act. Though Erase My Debts may edit, remove, or control the content displayed through the Website, you agree that Erase My Debts will not be considered an information content provider and will not be held liable for the republication of defamatory or tortious content created by third parties, whether through the Website or otherwise.

THIRD PARTY LINKS

You understand that the Website may contain banners, pop-ups, and links to third party websites, applications, or services that Erase My Debts does not own or control. You agree that Erase My Debts will not be held responsible or liable for the content of banners, pop-ups, third party websites, applications, or services and that Erase My Debts’s inclusion of those websites, applications, or services within its Website does not constitute Erase My Debts’s endorsement of, recommendation of, or affiliation with any of those banners, pop-ups, websites, applications, or services.

SMS CAMPAIGNS:

Users may receive up to 5 daily SMS/Text Messages. Supporting carriers, include but are not limited to: AT&T, Sprint, Verizon, Carolina West, Nextel, Cellcom, Virgin Mobile, C Spire, Boost, Cincinnati Bell, T-Mobile, Cricket, U.S. Cellular. MetroPCS, T-Mobile and/or other Wireless carriers are not liable for any delayed or undelivered messages. Consumers may opt out of receiving text messages by replying “STOP”, “END”, or “QUIT” to any SMS text message they receive. Consumers may also reply with “HELP”. Message & Data Rates May apply to any text/sms communication.

NO ENDORSEMENT

Erase My Debts does not endorse, recommend, or advise any commercial product, process, or service regarding car loan applications or credit decisions. The views and opinions of users, contributors, and others expressed on this Website do not necessarily state or reflect those of Erase My Debts and are not intended to be used for advertising or product endorsement purposes. The goods and services listed on this Website are not an offer to enter into a contract with Erase My Debts.

USER CONDUCT

You expressly agree that you will not use the Website to violate any law, statute, ordinance, regulation, or treaty, to violate the rights of third parties, or for a use outside of the customary and intended purposes of the Website.

Specifically, you are expressly prohibited from: using a robot, spider, scraper, or other automated technology to access the Website; imposing a disproportionate load on the Website or its server infrastructure or otherwise attempting to interfere with the operation of the Website; circumventing Erase My Debts’s technological and physical security measures; impersonating another; posting or transmitting content that threatens or encourages bodily harm or destruction of property; posting or transmitting content that infringes upon the intellectual property rights of other users of the Website or third parties; posting or transmitting content that is offensive, derogatory, or obscene; posting or transmitting content that constitutes fraud, an unwanted commercial solicitation, a phishing scam, a pyramid scheme, or a chain letter; and posting or transmitting content intended to collect personal or personally identifiable information from users or third parties.

If you encounter content or witness behavior that you believe is inappropriate and violates this Agreement, you may report it to Erase My Debts by sending an email to info@EraseMyDebts.net.

TERM AND TERMINATION

This Agreement will remain in full force and effect so long as the Website is in operation. Erase My Debts may terminate this Agreement without liability at any time, without notice, and for any reason, including but not limited to for your violation of a term or condition of this Agreement.

DISCLAIMER OF WARRANTIES

CONTENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED ON FOR FINANCIAL OR LOAN DECISIONS. YOU SHOULD NOT RELY UPON ANY SINGLE SOURCE OF INFORMATION IN MAKING ANY LOAN DECISIONS. CONTENT MAY CONTAIN INACCURACIES OR ERRORS AND MAY CHANGE. Erase My Debts MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE TRUTH OR FALSITY OF ANY INFORMATION SUBMITTED TO THE WEBSITE OR POSTED ON THE WEBSITE, OR THE ACCURACY OF ANY INFORMATION POSTED ON THE WEBSITE.

Erase My Debts DISCLAIMS ANY RESPONSIBILITY FOR ANY HARM OR LIABILITY ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES PURCHASED THROUGH THE WEBSITE. Erase My Debts PROVIDES THE WEBSITE AND THE SERVICES PROVIDED THROUGH THE WEBSITE ON AN AS-IS BASIS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, OR QUALITY. SOME JURISDICTIONS DO NOT ALLOW AN EXCLUSION OF IMPLIED WARRANTIES. IF YOU ARE LOCATED IN SUCH A JURISDICTION, THIS EXCLUSION MAY NOT APPLY.

Erase My Debts WILL NOT BE HELD LIABLE OR RESPONSIBLE FOR ANY CONTENT POSTED ON THE WEBSITE, INCLUDING BUT NOT LIMITED TO ANY ADVICE PROVIDED BY ANY THIRD PARTY, ANY THIRD PARTY LINKS POSTED ON THE WEBSITE, OR ANY CONTENT TRANSMITTED THROUGH THE WEBSITE. Erase My Debts IS A SERVICE PROVIDER AND DOES NOT ASSUME RESPONSBILITY FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DESTRUCTION OF IDENTITY, OR ALTERATION THEREOF. Erase My Debts RESERVES THE RIGHT TO DISCONTINUE THE WEBSITE AT ANY TIME.

Erase My Debts WILL NOT BE HELD LIABLE FOR NETWORK, INTERNET, COMPUTER, HARDWARE, OR SOFTWARE PROGRAM MALFUNCTIONS, FAILURE, DELAYS, OR DIFFICULTIES WITH THE WEBSITE AT ANY TIME. YOU DOWNLOAD INFORMATION FROM THIS SITE AT YOUR OWN RISK. Erase My Debts MAKES NO WARRANTY THAT DOWNLOADS ARE FREE OF CORRUPTING COMPUTER CODES, INCLUDING, BUT NOT LIMITED TO, VIRUSES AND WORMS.

THE ENTIRE RISK ARISING OUT OF USE OR PERFORMANCE OF Erase My Debts’S WEBSITE OR RELATED SERVICES REMAINS WITH YOU.

LIMITATION OF LIABILITY

Erase My Debts WILL NOT BE LIABLE TO YOU UNDER ANY LEGAL THEORY FOR ANY DAMAGES, CLAIMS, INJURIES, JUDGMENTS, COSTS, OR LIABILITIES ARISING OUT OF OR RELATED TO YOUR USE OR MISUSE OF THE WEBSITE OR YOUR USE OF SERVICES OFFERED THROUGH THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, LOSS OF BUSINESS, LOSS OF INCOME, SPECIAL DAMAGES, INCIDENTAL DAMAGES, CONSEQUENTIAL DAMAGES, PUNATIVE DAMAGES, OR EXEMPLARY DAMAGES. YOU UNDERSTAND AND AGREE THAT THE MAXIMUM AMOUNT THAT Erase My Debts CAN BE HELD LIABLE TO YOU UNDER ANY CIRCUMSTANCE IS THE AMOUNT THAT YOU PAID, IF ANY, FOR SERVICES PURCHASED THROUGH THE WEBSITE, AND IN NO CASE WILL THAT AMOUNT EXCEED $100. IF NO AMOUNT IS PAID BY YOU TO Erase My Debts, YOU AGREE THAT YOU WILL BE LIMITED TO INJUNCTIVE RELIEF ONLY UNLESS OTHERWISE PERMITTED BY LAW.

THE WEBSITE MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS OR OMISSIONS. Erase My Debts IS NOT RESPONSIBLE FOR ANY SUCH TYPOGRAPHICAL, TECHNICAL, OR PRICING ERRORS LISTED ON THE WEBSITE OR THE ACCURACY OR COMPLETENESS OF THE INFORMATION YOU PROVIDE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF DAMAGES. IF YOUR JURISDICTION DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF DAMAGES, YOU SHOULD SEEK LEGAL COUNSEL TO UNDERSTAND YOUR LEGAL RIGHTS UNDER THE LAW.

INDEMNIFICATION

You agree to hold harmless, indemnify, and defend Erase My Debts, its officers, employees, agents, successors, and assigns, from and against any and all claims, demands, losses, damages, rights, and actions of any kind, including, but not limited to, property damage, infringement, personal injury, and death, that either directly or indirectly arise out of or are related to your use of the Website, your use or provision of any services purchased through the Website, your reliance upon advice provided through the Website, your violation of any term or condition of this Agreement, your violation of any applicable law, statute, ordinance, regulation, or treaty, whether local, state, national, or international, or your violation of the rights of a third party.

Your obligation to defend Erase My Debts under the terms of this Agreement will not provide you with the right to control Erase My Debts’s defense, and Erase My Debts reserves the right to control its defense and choose its counsel regardless of your contractual requirement to indemnify Erase My Debts.

ASSIGNMENT

You acknowledge and agree that you are prohibited from assigning your rights and obligations under this Agreement. Erase My Debts may assign its rights and obligations under this Agreement at any time, including but not limited to in a sale of the Website.

RESOLUTION OF DISPUTES AND GOVERNING LAW

This Agreement will be interpreted under and governed by the laws of the State of Florida without giving effect to any conflicts of laws principles. You agree that any claim or dispute that you may have against Erase My Debts will be exclusively resolved through arbitration.

YOU AND Erase My Debts AGREE THAT ARBITRATION WILL BE THE EXCLUSIVE FORUM AND REMEDY AT LAW FOR ANY DISPUTES ARISING OUT OF OR RELATING TO THIS AGREEMENT, YOUR USE OF THE WEBSITE, OR THE PURCHASE OF SERVICES FROM Erase My Debts, INCLUDING ANY DISPUTES CONCERNING THE VALIDITY, INTERPRETATION, VIOLATION, BREACH, OR TERMINATION OF THIS AGREEMENT. ARBITRATION UNDER THIS AGREEMENT WILL BE HELD IN THE STATE OF FLORIDA AND IN ACCORDANCE WITH THE MOST RECENTLY EFFECTIVE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION. THE ARBITRATION PROCEEDING WILL BE DECIDED BY A SINGLE ARBITRATOR AND THE ARBITRATOR WILL DECIDE THE ARBITRATION PROCEEDING BY APPLYING THE LAWS AND LEGAL PRINCIPLES OF THE STATE OF FLORIDA AND THE FEDERAL LAWS OF THE UNITED STATES. THE LOSING PARTY WILL BE REQUIRED TO PAY THE PREVAILING PARTY’S REASONABLE ATTORNEYS’ FEES. YOU AND Erase My Debts AGREE THAT THE SITUS OF THIS AGREEMENT IS IN THE STATE OF FLORIDA. YOU AND Erase My Debts AGREE TO SUBMIT TO THE EXCLUSIVE PERSONAL JURISDICTION OF ANY SUCH ARBITRATOR OR ARBITRATION PROCEEDING.

Severability

If any provision of this Agreement is found to be invalid or unenforceable for any reason whatsoever, the remaining provisions will remain valid and unimpaired and will continue in full force and effect.

Integration

Erase My Debts hereby incorporates its Privacy Policy into this Agreement. This Agreement and its incorporated Privacy Policy constitutes the entire agreement between the parties with respect to the use of the Website and its associated services. You acknowledge and agree that any additional provisions that may appear in any communication from you will not bind Erase My Debts.

No Waiver

You understand and agree that no term or provision of this Agreement will be deemed to have been waived and no breach will be deemed to have been consented to unless said waiver or consent is in writing and signed by the party to be charged.

Child Online Privacy Protection Act

The Website is not directed to persons under the age of eighteen (18) and Erase My Debts will not knowingly collect personally identifiable information from children under the age of eighteen (18). If Erase My Debts inadvertently collects such personally identifiable information, Erase My Debts will delete the personally identifiable information in accordance with its security protocols.

Limitation On Actions

Erase My Debts AND YOU BOTH AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE WEBSITE OR ANY SERVICES PURCHASED THROUGH THE WEBSITE MUST COMMENCE WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUES. FAILURE TO ASSERT SAID CAUSE OF ACTION WITHIN ONE YEAR WILL PERMANENTLY BAR ANY AND ALL RELIEF.

Reservation of Rights

All rights not expressly granted herein are reserved to Erase My Debts.

Notice

Any notice required by this Agreement must be in writing, and must be mailed by certified mail with return receipt requested to:

Erase My Debts, LLC

A copy of any such notice must be emailed to info@EraseMyDebts.net, but email notice alone shall not comply with the notice requirements of this Agreement.

This Agreement is enforced by the Internet lawyers

of Traverse Legal, PLC. website and its associated services and content (collectively “Website”) is owned and operated by Erase My Debts, LLC (“Erase My Debts”). Erase My Debts has adopted this Terms of Use Agreement (“Agreement”) to inform you of your rights and duties when using the Website. If you do not agree with the terms and conditions of this Agreement, you are expressly prohibited from using the Website and must discontinue your use immediately.

Please read this Agreement carefully before accessing, paying for, or using the Website and associated services. You agree that your accessing and use of the Website subject you to the applicable terms of this Agreement.

Erase My Debts MAY, FROM TIME TO TIME, AND RESERVES THE RIGHT, IN ITS SOLE AND ABSOLUTE DISCRETION, TO MODIFY, UPGRADE, LIMIT, CHANGE, DISCONTINUE, OR REPLACE THE WEBSITE OR THIS AGREEMENT. IN THE EVENT Erase My Debts MODIFIES, LIMITS, CHANGES, OR REPLACES THE WEBSITE OR THIS AGREEMENT, YOUR USE OF THE WEBSITE AFTER SAID MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT CONSTITUTES YOUR MANIFESTATION OF ASSENT TO THE MODIFICATION, LIMITATION, CHANGE, OR REPLACEMENT. HOWEVER, Erase My Debts WILL MAKE REASONABLE EFFORT TO NOTIFY YOU BEFORE ANY MAJOR CHANGES ARE MADE TO THE WEBSITE.

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