Terms and Conditions
Agreement of Terms
Welcome to the merchantloanstoday.com web site (the "Site"). This Agreement ("Agreement") contains the terms and conditions ("Terms and Conditions") upon which You ("You," or the "member") may access merchantloanstoday.com or any Products through the Site. You agree to be legally bound by these terms.
This Agreement is made between You and merchantloanstoday.com, the provider of credit products including, but not limited to, the membership based Products such as credit monitoring, credit score tracking, credit balance monitoring, credit balance based insurance and non-membership based Products such as the 3 Bureau Credit Report, Single Credit Report, Credit Report, Credit Score, and Free Credit Score (collectively, the "Products"). All Products as well as all text, pictures, graphics, logos, button items, images, works of authorship and other information and all revisions, modifications, and enhancements thereto ("Content") are subject to the following Terms and Conditions.
BY SUBMITTING YOUR ORDER, YOU ACKNOWLEDGE RECEIPT OF OUR TERMS AND CONDITIONS AND OUR PRIVACY POLICY AND AGREE TO BE BOUND BY ITS TERMS. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR USE THIS SITE, THE PRODUCTS OR ANY OF THE INFORMATION OR CONTENT WITHIN THE PRODUCTS. YOUR ACCESS TO AND USE OF THIS SITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. FOR PURPOSES OF THIS AGREEMENT, THE TERM "CREDIT REPORTS" INCLUDES BASIC REPORTS, CREDIT SCORES, AND OTHER ENHANCEMENTS TO THE BASIC REPORTS.
merchantloanstoday.com maintains the Site to provide you with information about our memberships, Products and services and to facilitate communication with us and our affiliates. From time to time we may revise these terms and conditions. Revisions will be effective when posted or as otherwise stated. Additional terms and conditions may apply to our memberships, Products and services as well as in relation to or to our affiliate program, contests or surveys.
To enroll in a monthly/annual credit monitoring Product or to request a credit report or score, You must have an address within the United States, provide a valid Social Security number, and You agree to be bound by these Terms and Conditions. In other limited circumstances, you may need to provide a valid telephone number so that merchantloanstoday.com can process your order. You must provide valid credit card information. We will then evaluate your complete registration information. We are not able to accept and process joint registration for a married couple.
Note to online customers: These Terms and Conditions may be updated from time to time. Please check this site regularly for updates to these Terms and Conditions.
Use of merchantloanstoday.com's Products
By ordering or requesting Products from this Site, You agree that: (1) the information You provide, when prompted to do so by the registration and application process, is true, current and accurate; (2) certify that You are the person whose Credit Report is being requested; and, (3) that You are at least 18 years of age. If any information provided by You is untrue, inaccurate or not current, or if merchantloanstoday.com has reasonable grounds to suspect that such information is untrue, inaccurate or not current, merchantloanstoday.com, at its sole discretion, has the right to suspend or terminate Your use of any Product and refuse all current or future access to the Content and use of the Products or suspend or terminate any portion thereof. Further, You agree that merchantloanstoday.com will not be liable to You or any third party if merchantloanstoday.com suspends or terminates Your access to the Content or Products for any reason whatsoever.
You understand that by submitting Your order, You are providing Your "written instructions" to merchantloanstoday.com through merchantloanstoday.com, including its affiliates and suppliers, such as but not limited to Equifax, Experian, Equidata, Inc., First Advantage Membership Services, Inc./First Advantage Credco, LLC (collectively, First Advantage") and Trans Union, LLC under the Fair Credit Reporting Act ("FCRA") authorizing merchantloanstoday.com and its affiliates and suppliers, including but not limited to Equifax, Experian, Equidata, Inc., First Advantage and Trans Union, LLC , to obtain information of Your personal credit profile from Experian, Equifax and/or TransUnion. You also authorize merchantloanstoday.com and its affiliates and suppliers, including but not limited to Equifax, Experian, Equidata, Inc., First Advantage, and Trans Union, LLC to obtain such information solely for your own use, to confirm your identity, to avoid fraudulent transactions in your name, to monitor your credit files and provide credit monitoring, scoring and related Products, while your membership is active.
You understand that it may be a violation of federal and/or state law for you to obtain a credit report of any person other than yourself, and that under the FRCA, any person who knowingly and willfully obtains information of a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, United States Code, imprisoned for not more than two years.
Arbitration
YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND merchantloanstoday.com, AND ITS AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES, INCLUDING BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION AT A LOCATION DETERMINED BY THE ARBITRATOR. ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL COURT HAVING JURISDICTION THEREOF. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT ("FAA"). NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.
Fair Credit Reporting Act
The Fair Credit Reporting Act ("FCRA") allows You to obtain copy of all of the information in Your consumer credit file disclosure from the consumer reporting agencies including Experian, Equifax and Trans Union for a reasonable charge. Full disclosure of information in Your file at the three national credit bureaus must be obtained directly from each of the bureaus respectively by calling:
The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:
The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase Your credit report or other information from merchantloanstoday.com to dispute inaccurate or incomplete information in Your credit file maintained by Experian, Equifax or Trans Union. For more information see the FCRA Summary of Rights.
The credit report You are requesting from merchantloanstoday.com is not intended to constitute the disclosure of Experian, Equifax or Trans Union information required by the FCRA or similar state laws.
Beginning December 1, 2004, the FCRA allows consumer to get one free comprehensive disclosure of all the information in their credit file from each of the credit bureaus once every 12 months through a central source. Georgia residents can receive two disclosures per year. To request Your free annual report under the FCRA, You must go to www.annualCreditReport.com. You can also contact the central source to request this free annual disclosure by calling toll free (877) FACTACT or by using the mail request form available at the central source web site. The services at this Site are not related to the free FCRA disclosure that You are or may be entitled to.
Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may receive an additional free copy of their credit report once per year and residents of the state of Georgia may receive two (2) additional copies per year. For Illinois residents, credit reporting agencies are required by law to give you a copy of Your credit record upon request at no charge or for a nominal fee.
It may be the policies of Equifax, Experian and/or TransUnion to provide a complimentary copy of the consumer credit report under circumstances other than those described above. If You wish to contact Equifax, Experian or TransUnion to obtain a copy of Your credit report directly from such agency or if You wish to dispute information contained in an Equifax, Experian or TransUnion credit report file, see the contact information and dispute process description contained in the FAQs available from most pages of the Site.
merchantloanstoday.com's online credit report has been specially designed for consumer ease-of-use. Color illustrations, analysis information and helpful links on merchantloanstoday.com's credit report make it easy for You to understand and manage Your credit.
Intellectual Property Rights
The Content used and displayed on the Site are the sole property of merchantloanstoday.com or its licensors and are protected by copyright, trademark and other laws. In addition to its rights in individual elements of the Content within the Site, merchantloanstoday.com owns tradedress, copyright and/or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Site for Your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of merchantloanstoday.com or the owner of the Content.
Limitation of Liability
OUR SITE, INCLUDING ALL CONTENT, MEMBERSHIPS, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU "AS IS". TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER merchantloanstoday.COM NOR ITS AFFILIATES OR SUPPLIERS (INCLUDING, BUT NOT LIMITED TO EQUIFAX, EXPERIAN, TRANSUNION, LLC, FIRST ADVANTAGE AND EQUIDATA, INC.), MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, MEMBERSHIPS, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE SITE, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, MEMBERSHIP, PRODUCTS OR SERVICES OR THAT OUR SITE, MEMBERSHIP, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, merchantloanstoday.COM AND ITS AFFILIATES AND SUPPLIERS (INCLUDING, BUT NOT LIMITED TO EQUIFAX, EXPERIAN, TRANSUNION, LLC, FIRST ADVANTAGE AND EQUIDATA, INC.), DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, MEMBERSHIP, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER merchantloanstoday.COM NOR ITS AFFILIATES OR SUPPLIERS (INCLUDING, BUT NOT LIMITED TO EQUIFAX, EXPERIAN, TRANSUNION, LLC, FIRST ADVANTAGE AND EQUIDATA, INC.), HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, MEMBERSHIP, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. NOTWITHSTANDING THE ABOVE, IF LIABILITY IS IMPOSED UPON merchantloanstoday.COM, THEN YOU AGREE THAT merchantloanstoday.COMīS TOTAL LIABILITY FOR ANY OR ALL OF YOUR LOSSES OR INJURIES FROM merchantloanstoday.COMīS ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO merchantloanstoday.COM FOR THE PRODUCT(S) YOU PURCHASE FROM merchantloanstoday.COM.
merchantloanstoday.com Is Not A Credit Repair Company
You understand and agree that we provide a credit monitoring product. We give You access to Your credit report and we help You understand the information contained in Your credit report. We are not a credit repair organization. We cannot improve your credit report, credit history or credit rating; we do not provide You with advice or assistance in improving Your credit report, credit history or credit rating. Accurate adverse information on Your credit report cannot be changed. If you believe that Your credit report contains inaccurate information, it is Your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that You believe Your credit report contains an inaccuracy. Any information regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate information is provided and available free of charge to all consumers, regardless of whether they are members of the credit monitoring Product.
Links
Clicking on certain links within this Site may take You to other web sites for which neither merchantloanstoday.com or merchantloanstoday.com assume responsibility of any kind for the content therein. The content presented at this site may vary depending upon Your browser.
Online Inactivity
For online customers, if You are inactive (have not clicked on an item or refreshed the page) for a period of 20 minutes or more when reviewing Your credit report and/or credit score online, Your session will conclude and You will be logged out for Your protection.
Notice of Prosecution
For online customers, access to and use of password protected and/or secure areas of the Site are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution.
Our Privacy Policy
By using our Site, becoming a member of one of our membership programs, or purchasing any of our Products or services, You agree that we may use and share Your personal information in accordance with the terms of our Privacy Policy. In the event You indicate that You would like to receive offers from merchantloanstoday.com and/or its partners, affiliates and non-affiliates, Your information may be used to provide relevant offers, advertisements and marketing to You. Our Privacy Policy can be accessed by clicking on the "privacy" link on merchantloanstoday.com.
Online Specifications for Use
You must have an email address and a Java-compatible browser such as Netscape Navigator 6.0 or higher, Internet Explorer 5.0 or higher, or AOL 8.0 or higher to receive Products online.
Disclaimers
Because the security measures we have implemented on our Site are designed to protect Your privacy and to safeguard Your information, we may not always be able to successfully provide our Products to You, including instant online delivery of Your credit report for online customers. For example, for certain of our online Products, when the system is unable to verify Your identity online, You may be routed through a manual authentication process. For other Products, we cannot offer a manual authentication process and will be unable to fulfill Your order if You fail online authentication one or more times.
You understand that merchantloanstoday.com and merchantloanstoday.com are not a credit bureau, that merchantloanstoday.com and its Products are solely mechanisms of communication for You to obtain the credit report, and neither merchantloanstoday.com or merchantloanstoday.com assume any responsibility or liability whatsoever.
merchantloanstoday.com may use Your personal information to the extent necessary to process Your order and/or engage in business maintenance.
merchantloanstoday.com is not responsible for any overdraft/over-the-limit charges or bank fees if Your account contains insufficient funds when Your order is processed and billed. We recommend using a credit card rather than a debit card. Canceling too close to end of trial or renewal date may cause a processing delay and a charge to Your account. If You are eligible for a refund, refunds can take 7-10 business days to be processed.
merchantloanstoday.com is not obligated or responsible for providing assistance for any request based on (a) an act of fraud, deceit, collusion, dishonesty or criminal act by You or any person acting in concert with You, or by any authorized representative of You, whether acting alone or in collusion with You or others, (b) authorized charges that You have disputed based on the quality of goods or services, (c) authorized account transactions or trades that You have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions, (d) losses, damages or expenses arising out of any business pursuits, (e) losses, damages or expenses that were incurred or commenced prior to the membership, or (f) theft or damages of traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants or consumable items, motorized vehicles of any type, watercraft, aircraft, and items intended for storage, transport, display or habitation.
On occasion, You may contact us regarding issues related to fraud or unauthorized use of Your account and/or information. merchantloanstoday.com, including its agents, independent contractors, assigns or other expressly authorized third party, reserves the right to make an independent investigation of the facts and circumstances related to any request for assistance, including making contact by telephone, email, US Postal Service or otherwise, any service provider or related party it deems necessary, at its sole and absolute discretion and expense, regardless of whether You provide express authorization to make such contact for purposes of verifying and assisting You with any such issues.
merchantloanstoday.com reserves the right to request that You provide corroborating evidence of the unauthorized transaction, or compromise of Your account and/or information including a signed affidavit, law enforcement or governmental agency reports, receipts of expenses, insurance declaration forms, or any other corroborating evidence that we may deem necessary and/or reasonable.
Product-Specific Terms and Conditions
The terms explained below are product specific and apply to the particular product indicated in addition to the Terms and Conditions listed above. Note: If You have not ordered a specific product listed below, then the related terms and conditions may not apply.
Three Bureau Credit Monitoring: There are different processing times across the Credit Bureaus (Equifax, Experian, and TransUnion) therefore you may not be enrolled in all of them at the same time. Monitoring with at least one Credit Bureau begins within 48 hours of enrollment in your free trial. Monitoring with the remaining two Credit Bureaus takes approximately 4 days to begin, though in some case cannot be initiated during the trial period (if a trial period applies). merchantloanstoday.COM does not control and is not responsible for the enrollment process.
Your order of any three bureau credit monitoring product (monitoring credit files at three credit bureaus) is in effect immediately and your right to receive alerts begins immediately. However your receipt of monitoring alerts from one, two or all three of the bureaus is conditioned upon your completing of the enrollment process of at least one Credit Bureau in its credit monitoring program, including but not limited to the identity authentication as required by the bureaus and necessary for your protection. If no Credit Bureau is able to enroll you in its credit monitoring program, your order will be cancelled, and you will not receive alerts or monitoring of changes to any of your credit files. In the event that one or two Credit Bureaus, but not all three Credit Bureaus, is able to enroll you in their credit monitoring including but not limited to by your completing the identity authentication process, credit monitoring will be provided by the Credit Bureau(s) that were able to enroll you, including but not limited to by your completing the identity authentication; you will not receive alerts or monitoring of changes to the credit files of the Credit Bureau(s) that were not able to enroll you in their credit monitoring program, which includes but is not limited to by your failure to complete the identity authentication process. By placing your order, you agree that, in the event that fewer than all three Credit Bureaus enroll you in their credit monitoring, merchantloanstoday.com is authorized to monitor only the credit files at the Credit Bureau(s) that enrolled you. Any such credit monitoring will be provided at the price agreed upon at the time of your enrollment or the current monthly price; you will not be eligible for a price reduction, discount or refund. merchantloanstoday.COM will notify you in the event that fewer than all three Credit Bureaus enroll you in credit monitoring, but such notification may not occur during your trial period.
Cancellation Policy
We process requests for all credit reports promptly and immediately incur a charged by each of the respective credit reporting agencies for their data. Therefore, we have a NO REFUND policy for credit reports that are delivered by us online. If You have selected to receive credit monitoring You will be given a period of time, as set forth on the Site at the time of completing Your order in which to cancel Your service. To contact our Customer Service Team regarding Your free trial or membership, please go to http://www.merchantloanstoday.com/contact_us.asp.
Free Trial Period & Enrollment in Credit Monitoring
By ordering a free credit score or credit report, you will automatically be enrolled in a free trial period of merchantloanstoday.com credit monitoring. Following the free trial period, you will then be billed at the then prevailing rate on a monthly basis, to continue your credit monitoring. You may cancel Your merchantloanstoday.com credit monitoring membership at any time during the trial period without charge. If You wish to continue Your membership in merchantloanstoday.com credit monitoring beyond the trial period, do nothing and Your membership will automatically continue without interruption. The monthly fee (plus sales tax, if applicable) will be charged to Your credit card account at the conclusion of the trial period and Your membership will continue automatically, billable monthly at the prevailing rate. When You become a member entitled to merchantloanstoday.com credit monitoring, You understand that it is a membership that automatically renews itself every month indefinitely without action by the member on the monthly anniversary date of Your initial purchase.
Your membership in credit monitoring is effective for the period covered by Your membership fee and continues upon Your payment of the monthly/annual renewal fee. Renewal fees for Your membership will automatically be charged, at the then current rate (that was most recently used on the Site), to the credit card or other billing source authorized by You, until You cancel Your membership. You will be asked for valid credit card information when You sign up for the credit monitoring trial. merchantloanstoday.com will verify Your credit card information before processing Your order. An authorization will be performed on Your credit card, to make sure it is valid and in good standing, but merchantloanstoday.com will not bill Your card until the free trial period has passed. Should Your credit card fail to authorize, merchantloanstoday.com reserves the right to cancel or suspend the benefits of Your membership (including, without limitation, online credit reports and daily monitoring alerts) until payment is received.
A member may cancel at any time. Should You decide to cancel Your subscription a Customer Service representative can arrange for all future renewal fees to be cancelled. However, please note that it is our policy to give neither full nor pro-rated refunds for the current month or any preceding months. The only exception is if contacted within the first two days of your initial billing, merchantloanstoday.com may elect to issue a refund. If You are an annual subscriber and choose to cancel within 180 days of when You were billed, You will be eligible to receive a prorated refund of Your current year's membership fee.
The free trial is available one time only per customer in any period (determined by merchantloanstoday.com and subject to change) beginning with the date of the order. Once the free trial has been cancelled all subsequent orders will be billable at the prevailing monthly subscription rate. merchantloanstoday.com reserves the right to change the membership fee for any renewal term to be effective upon the renewal of Your membership.
To cancel Your membership please contact our Customer Service Team. For contact information and hours of service go to http://www.merchantloanstoday.com/contact_us.asp.
Membership
When You become a member entitled to merchantloanstoday.com Credit Monitoring, 3-Bureau Credit Monitoring, Debt Monitoring and/or Credit Score Tracking, You understand that it is a membership that automatically renews itself indefinitely. merchantloanstoday.com will charge the membership fee to the credit card or bank account that was last used on the Site, at the then prevailing rate, and Your membership will continue automatically.
Credit reports, credit scores and debt analysis will be available for a period of up to two months. With respect to Products that include access to new credit reports at Your discretion, there is a limit of one new credit report every 24 hours. Enrollment in a monitoring program will usually occur within 24 hours but may be delayed. Please note, there are different processing times across the credit reporting companies. It may take 2-3 weeks for You to be enrolled in the credit monitoring programs in any one of the companies and before You begin receiving alerts.
An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is cancelled by the enrolled member. Consent to obtain credit data to fulfill the benefits of subscription Products shall be valid unless or until cancelled. Upon cancellation, the member loses access to the areas of the Site designated for members only. This could include any credit data and analyses that have been displayed during the membership. To cancel Your membership please contact our Customer Service Team. For contact information and hours of service go to http://www.merchantloanstoday.com/contact_us.asp.
Term and Termination; Modification
This Agreement will take effect at the time You submit your order to merchantloanstoday.com and shall terminate (a) when the member cancels his/her membership by contacting merchantloanstoday.com via the toll-free number set forth on the web site for cancellations; or (b) upon termination of membership by merchantloanstoday.com or You for any reason whatsoever.
merchantloanstoday.com may: (i) change the terms of this Agreement or the feature of the membership Products, or (ii) change the Site, including eliminating or discontinuing any content or feature of the Site, restricting the hours of availability, or limiting the amount of use permitted. You will be provided with notice of any such changes when merchantloanstoday.com posts notice of such modification on a page of the Site before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If You access and/or use the Site and/or Your membership after merchantloanstoday.com has posted a change in the Agreement, You agree to be bound by all of the changes. You are expected to review the Site periodically to ensure familiarity with any posted notices of modification. merchantloanstoday.com may, at its sole discretion, modify or discontinue any of the Products or Content or a portion thereof, with or without notice. You agree that merchantloanstoday.com will not be liable to You or any third party for any modification or discontinuance of any of the Products or Content.
Notices
You should send any notices or other communications regarding our Site, Your membership, Products or services to Mighty Net, Inc., P.O. Box 1829, Agoura Hills, CA 91376.
Except as otherwise provided, we may send any notices to You to the most recent e-mail address You have provided to us or, if You have not provided an e-mail address, to any e-mail or postal address that we believe is Your address. If You wish to update Your registration information, please log in to Your account and visit the 'My Account' section from the main menu.
Applicable Law
This Agreement shall be interpreted and construed in accordance with the laws of the State of California, USA, and applicable federal law, without regard to any conflict of law provisions. merchantloanstoday.com can provide credit reports only for individuals who have established credit in the United States. Those who choose to access this Site, or become a member in one of our membership programs, from outside the United States do so on their own initiative and are responsible for compliance with local laws. You agree that any and all disputes arising out of or related to this Agreement or out of merchantloanstoday.com's provision of services to You, pursuant to this membership or otherwise, if submitted to a court of law shall be submitted to the state and federal courts of Los Angeles County, California, USA.
Policy Regarding Children
We define children as individuals under the age of 18. Our Site is not intended for the use of children and we do not intend to collect information about children through our Web Site. You must be at least 18 to access any Products through this web site or to join merchantloanstoday.com as a member entitled to membership benefits.
Miscellaneous Provisions
This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore are superseded by this Agreement.
If any portion of this Agreement is deemed invalid or unenforceable by a court of competent jurisdiction, the remaining portions will remain valid, enforceable, and carried into effect, to the fullest extent permissible. Any rights not expressly granted herein are reserved.
You represent that You have read this Agreement and merchantloanstoday.com's Privacy Policy, understand their terms, and agree and intend to be legally bound by them. You acknowledge that, in providing You access to and use of the Site and Your membership, merchantloanstoday.com has relied on Your agreement to be bound by the terms of this Agreement.