Terms Of Purchase / Guarantee / Refund Policy

Introduction

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before make a purchase and using the {companyurl} website (the "Service") operated by The American Credit Institute.("us", "we", or "our"). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Guarantee/Refund Policy:

Subscription:

Subscriptions may be canceled at any time by contacting us at {companycontact} or {supportlink} . To avoid future charges, you must cancel your subscription before the next subscription payment takes place.

FEES AND PAYMENTS:

You are responsible for any fees or charges that may be incurred to access the product through an Internet service provider or other third party service. YOU, AND NOT The American Credit Institute, ARE RESPONSIBLE FOR PAYING ANY AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY EVEN IF THEY WERE NOT AUTHORIZED BY YOU.

PRIVACY:

Our Privacy Notice is a part of this Agreement and its terms are incorporated herein by this reference. Please read it now at the link on our site.

USER CONDUCT:

The product may contain bulletin board services, news groups, forums, and/or other message or communication facilities ("Communication Services") designed to enable you to communicate with others. You agree to use the Communication Services only to submit or post messages and material that are proper and, when applicable, related to the particular Communication Service. You are also prohibited from submitting to, posting or transmitting through The American Credit Institute sites any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law. Content that consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam" is prohibited. You may not use a false email or postal address, impersonate any person or entity, or otherwise mislead as to the origin of your posted content.

Any opinions, advice, statements, services, offers, or other information that constitutes part of the content expressed or made available by third parties are those of the respective authors or distributors and not of The American Credit Institute nor its affiliates, any of its officers, directors, employees, or agents. You acknowledge that The American Credit Institute does not pre-screen all content, but that The American Credit Institute and its designees shall have the right (but not the obligation) in their sole discretion to refuse or to remove any content that is made available via the Communication Services. Without limiting the foregoing, The American Credit Institute and its designees shall have the right to remove any content that violates this Agreement or is otherwise objectionable. You specifically agree that The American Credit Institute is not responsible for any content sent using and/or included in the product by any third party.

COPYRIGHT AND RESTRICTIONS:

This product contains proprietary material of The American Credit Institute (or material that other suppliers have licensed to us for our use) which is protected by copyright and other laws respecting proprietary rights. We retain all rights in the material and media, including (without limitation) all copyright and other proprietary rights worldwide in all media. You may not use the name "The American Credit Institute" except as expressly permitted under this Agreement and under U.S. copyright laws. Any routine and/or systematic redistribution of any portion of the products or information licensed herein is expressly prohibited.

End users who are duly authorized may Access the product for individual use, i.e., may view the information on screen; may download small portions of the information to a computer disk for personal convenience and later reference; and may print paper copies of small portions for personal use only.

The rights granted here are an expansion of the rights granted under the Copyright Act and do not include any rights to reproduce in its entirety any portion of the information or materials contained therein. No part of the information may be duplicated in any medium or format beyond the express terms of this Agreement without prior written authorization from The American Credit Institute. Any use not authorized by this Agreement is prohibited and is not a fair use under the U.S. copyright law.

You acknowledge that the information (and the licensed materials contained in the product) is highly proprietary in nature and that unauthorized copying, transfer or use may cause us and/or our suppliers irreparable injury that cannot be adequately compensated for by means of monetary damages. You agree that any breach of this provision by you, or any subscriber or end-user, may be enforced by us, and/or any of our suppliers, by means of equitable relief (including, but not limited to, injunctive relief) in addition to any other available rights and remedies.

You agree that any supplier of any portion of the licensed materials may enforce its rights against you, even though that supplier is not a party to the Agreement.

You may not and may not permit others to: reproduce, publish, distribute, sell, or otherwise access or use any material retrieved from or contained in or on the product in any manner whatsoever that may infringe upon any copyright or proprietary interest of The American Credit Institute; distribute the information contained in the product to other users not duly authorized to Access the product; distribute, rent, sublicense, lease, transfer or assign the information or Agreement; decompile, disassemble, or otherwise reverse-engineer the product or information contained in or any software contained therein, or alter, translate, modify, or adapt it to create derivative works. Unauthorized reproduction, transfer, and/or use may be a violation of criminal as well as civil law.

You are expressly prohibited from placing or installing any portion of the information on any electronic media, including, but not limited to, local or wide area networks, timesharing services, multiple processing units, multiple site arrangements, service or software rental bureaus, list servers, online services, electronic bulletin boards or forums, World Wide Web sites or any other server that is Internet-enabled, without written authorization by The American Credit Institute.

If you breach any provision of this Agreement, The American Credit Institute may immediately terminate this Agreement and all licenses granted hereunder without prior notice, in addition to any other available rights and remedies.

LIMITATIONS ON USE:

The following activities are prohibited. You agree not to:

a. Use Web-accelerated browsers or products (including but not limited to NetJet, NetSonic, MSIECrawler and Teleport-Pro), or other applications that are capable of copying large portions of content from the product. We can detect the use of these systems through live logfile analysis and will ban any future use by offenders. b. If you are using a robot/crawler to check The American Credit Institute links, it must operate according to the robot guidelines. Do not leave new robots unattended and allow a minimum of 1 minute between automated requests. c. Use of any device, software or routine or the like to interfere or attempt to interfere with any Site functionality; d. Take any action that imposes an unreasonable or disproportionately large load on the Site infrastructure; e. Use any email addresses appearing on or in the product for purposes not relating specifically to the product; f. Access the product by any means other than through the interface that is provided by us, or attempt or access any area of the product to which your access is not authorized; g. Reverse engineer, reverse assemble or otherwise attempt to discover any source code relating the product, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation. h. Purchase any The American Credit Institute product, event or membership and receive commission for your own purchase or subscription.

ACCURACY AND AVAILABILITY OF INFORMATION:

The product may contain database information and other content compiled by The American Credit Institute. While we use commercially reasonable efforts to provide accurate information, we gives no warranty as to the accuracy of the database and other content on the Site(s). we reserve the right to withdraw or delete information or content from the Site(s) at any time.

LINKS TO THIRD PARTY SITES:

The American Credit Institute does not endorse the content on any third-party Web site, information or products, including Web sites of our affiliates ("Third-Party Sites"). The American Credit Institute is not responsible for the content of Third-Party Sites that you reach through links contained in the product, sites framed within our Site, or third-party advertisements in the product, and we do not make any representations regarding their content or accuracy. Your use of Third-Party Sites is at your own risk and subject to the terms and conditions of use for such sites. Any transaction that you conduct at a Third-Party site will be between you and the party providing that Web site and/or product. This means that The American Credit Institute is not your agent and is not a party to any transaction at a Third-Party Site.

REPRESENTATIONS AND WARRANTIES:

You represent and warrant to us that: (a) you possess the legal right and ability to enter into this Agreement; (b) all information submitted by you to us is true and accurate; (c) you will be responsible for all use of your username and password even if such use was conducted without your authority or permission; (d) you are at least 18 years old; and (e) you will not use the Site for any purpose that is unlawful or prohibited by this Agreement.

DISCLAIMER OF WARRANTIES:

ALL CONTENT, SOFTWARE, AND OTHER SERVICES PROVIDED AT OR FOUND WITHIN THIS product BY The American Credit Institute AND ITS AFFILIATES ARE PROVIDED "AS IS" AND "WITH ALL FAULTS," WITHOUT WARRANTIES OF ANY KIND. The American Credit Institute AND ITS AFFILIATES HEREBY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT. SPECIFICALLY, BUT WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, The American Credit Institute DOES NOT MAKE ANY WARRANTIES REGARDING THE FOLLOWING: (a) AVAILABILITY OF THE PRODUCT AT ANY PARTICULAR TIME; (b) ACCURACY OF THE CONTENT OR HOW CURRENT ANY CONTENT IS THAT IS FOUND IN THE PRODUCT; (c) TRANSMISSIONS TO, FROM OR WITHIN THE PRODUCT; (d) FUNCTIONALITY; (e) LACK OF VIRUSES; (f) COMPLIANCE OF THE PRODUCT SOFTWARE, SERVICES AND CONTENT PROVIDED UNDER THIS AGREEMENT WITH UNITED STATES, FEDERAL OR STATE LAWS; OR (g) THAT THE SOFTWARE, CONTENT OR SERVICES CONTAINED IN THE PRODUCT WILL MEET ANY PARTICULAR CRITERIA OF PERFORMANCE OR QUALITY.

The American Credit Institute MAKES NO CLAIMS AS TO FINANCIAL OR PERSONAL GAIN RELATED TO USE OF THE PRODUCT.

LIMITATION OF DAMAGES:

IN NO EVENT WILL The American Credit Institute OR ANY OF ITS AFFILIATES BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, OR SPECIAL DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF OR UNAUTHORIZED ACCESS TO INFORMATION, AND THE LIKE, EVEN IN THE EVENT OF FAULT, TORT, BREACH OF CONTRACT, OR BREACH OF WARRANTY, AND EVEN IF WE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

LIMITATION OF LIABILITY; Exclusive Remedy

ALSO, IN NO EVENT WILL The American Credit Institute OR ANY OF ITS AFFILIATES BE LIABLE TO YOU AND/OR ANY AGENCY FOR ANY AMOUNT IN EXCESS OF THE TOTAL DOLLAR AMOUNT ACTUALLY RECEIVED BY The American Credit Institute, FROM YOU, FOR PURCHASE OF THE PRODUCT.

INDEMNITY:

You agree to indemnify and hold us harmless, and pay our attorney's fees and costs, if we become liable for or incur any damages in connection with your breach of this Agreement. You may not settle any dispute without our prior consent, which may only be given in a non-electronic writing signed by an authorized representative of The American Credit Institute.

CONSENT TO ELECTRONIC NOTICES AND OTHER COMMUNICATIONS:

You agree that all of your transactions relating to the product may, at our option, be conducted electronically, including any that we are otherwise required to provide in "writing". For example, we may send you notices via email to the email address that you provided to us when you purchased the product. If you do not wish to deal with us electronically, you should not purchase the product and enter into this Agreement. If applicable law now or later requires us to communicate with you non-electronically, we reserve the right to charge a fee for doing so. Notice will be deemed given 24 hours after the email is sent, unless we are notified that the email address is invalid. Alternatively, we may give you notice by mail to the address provided during purchase.

PRINT A COPY FOR YOUR RECORDS:

You agree to print or make an electronic copy of this Agreement and retain it in your records. You also agree to make a copy of any other information that we deliver to you in writing.

ASSIGNMENT:

You agree not to assign your rights under this Agreement without the consent of an authorized representative of The American Credit Institute in a non-electronic record, and any assignment without our consent will be voidable at our option. This Agreement will inure to the benefit of The American Credit Institute and bind the parties', respective successors and permitted assigns.

APPLICABLE LAW AND DISPUTES:

This Agreement is governed by the laws of the State of Nevada, without regard to principles of conflict of laws.

To the extent you have in any manner violated or threatened to violate The American Credit Institute and/or its affiliates' intellectual property rights, The American Credit Institute and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Nevada, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

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: Raleigh, NC. 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: Raleigh, NC, 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.

AMENDMENTS:

ENTIRE AGREEMENT:

This Agreement (including all documents incorporated by reference) is the entire agreement between the parties for its subject matter and supersedes all prior and contemporaneous communications between the parties. No term of this Agreement may be waived by us except in a signed, non-electronic writing signed by an authorized representative of The American Credit Institute.

General

If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties agree that its remaining provisions will remain in full force and effect, provided that the allocation of risks described herein is given effect to the fullest extent possible. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. You agree that no joint venture, partnership, employment or agency relationship exists between you and The American Credit Institute or its affiliates as a result of this Agreement or your use of the Site.

Copyright 2023 - The American Credit Institute All Rights Reserved.