Terms and Conditions ("Terms") lender-score.com
Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the https://lender-score.com website (the “Service”) operated by Agent DataQueue, LLC (“us”, “we”, or “our”) with registered address 3250 Retail Drive, Suite 120 #189, Carson City, NV 89706. 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.
1. INFORMATIONAL PURPOSES; NO PROFESSIONAL ADVICE.
Agent DataQueue, LLC is not a credit repair organization, credit counsellor, or financial or legal advisor as defined under federal or state law. Use of our Services is not a replacement for personal, professional advice or assistance regarding your finances, credit history or fixing your credit rating. Additionally, we do not guarantee that the information we present as part of our Services, including credit report or credit score information, is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service or for employment. We do not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Website. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. We reserve the right, in our sole discretion, to correct any errors or omissions in any portion of the Website.
2. SERVICES.
The Website gives users general educational and informational resources about the Services, and the ability to register for the Services. "Services" shall mean all products, services and member benefits provided on or accessed through the Website, including the content, features, tools, data, software and functions made available through the Website, and other websites and applications we operate. You are not required to sign up for our Services in order to visit and read material on the Website, however, you will need to register in order to use and take advantage of the Services.
Once you successfully register, you will have immediate access to the registered Services through a personal member portal ("Membership area") accessible on the Website, where you can view your Member Profile as well as the specific Services you have registered with, and any results of such Services. It is the member's responsibility to log into the Portal frequently to use and/or to check the status of any provided Services. We may, at our discretion, modify or discontinue any of the Services or a portion thereof, with or without notice. You agree that we will not be liable to you or any third party for any modification or discontinuance of any of the Services. Your continued use of the Services, or your failure to terminate your membership, after any such modifications have been made to the Services, will constitute your acceptance of those modifications.
3. REGISTRATION.
To access certain areas or features of the Website and to participate in the Services, you will be required to register as a member and to provide certain information about yourself. When you register, you authorize us to create and maintain an account in your name using your account registration information and other information that may be collected about you in accordance with our Privacy.
4. INFORMATION AUTHORIZATION
By registering for or otherwise using the Services, you specifically consent to, agree with, and are providing specific "written instructions" in accordance with the Fair Credit Reporting Act and other applicable law, that we, and our respective employees, agents, subsidiaries, affiliates, contractors, and data and service providers, reserve the right to provide your personally identifiable information to, and request, receive and review your consumer credit reports and credit rating, and other information and data about you from and/or through, an authorized bureau (i.e. Equifax, Experian, TransUnion) and affiliated entities.
5. TRIAL PERIODS.
LenderScore offers a $1 trial period for you to experience our product and service. This Limited Time Access will automatically enroll you in a monthly subscription package, dependent on the service level you select, priced at $29.95 for our basic credit monitoring service, or $39.95 for premium service, including additional products and services like ID protection, identity recovery insurance, or similar. Your monthly subscription charge will be billed each month, on or around thirty days from the last successfully monthly charge. Cancelling this service will immediately remove your access to your service account, and prevent any future charges from being processed on your method of payment.” If you do not cancel the Services or subscription prior to the end of the trial period, you will be automatically billed on a recurring basis for the Services at the regular subscription or membership price and at the regular subscription or membership period intervals (ex: weekly, monthly, etc) agreed to at the time of signup. The terms of any trial are specific only to the product(s) subject to the trial. We will not bill your account for periodic subscription or membership fees until the relevant trial period is completed and you have not cancelled your subscription or membership during such trial period. You may cancel your subscription or membership at any time during the trial period without charge. If you wish to continue your subscription or membership, do nothing and your subscription or membership will automatically continue without interruption. The regular periodic subscription or membership fee (plus sales tax, if applicable) will be charged at the conclusion of the trial period to the credit card or bank account you designated as your preference or, if you have not designated a preference, the account that was most recently used on the Website and your subscription or membership will continue automatically, billable periodically at the prevailing rate. For the avoidance of doubt, you understand that a trial is part of an introduction to a paid product or service, and that at the end of the trial period, you will be charged periodically (monthly) for a subscription or membership service until you cancel. A trial is only available one time per customer every 180 days. (Example: A customer signs up for a $29.95 monthly membership that begins with a $1.00 trial for 7 days. The customer will be billed $1.00 at the time of signup for a 7 day trial membership, and after 7 days, if the customer has not cancelled the trial membership, then he/she will automatically be charged the $29.95 per month until cancelled).
6. SUBSCRIPTIONS; BILLING.
By registering as a member, you agree to the offer details and to pay the applicable fees, including setup fees, processing fees, one-time fees, and/or recurring membership subscription fees. Applicable fees will be invoiced at the rate and frequency as provided and set forth at the time of purchase. We will verify your billing information before processing your order. An authorization may be requested from your billing account or a nominal refundable processing fee may be charged to your billing account, as disclosed at the time of signup, to make sure it is valid and in good standing. (Example: A customer signs up for a free trial for 7 days. The customer may be billed $1 refundable processing fee at the time of signup. If the customer cancels during the trial period, he/she may request a refund of the processing fee).
When you become a member in one of our subscription products, you understand that it is a membership that automatically renews itself at the agreed upon subscription period (monthly) indefinitely without action, and the subscription or membership fee is charged to the member at the time of renewal. We will charge the then-current membership fee (plus sales tax, if applicable) to the credit card or other payment mechanism that you have authorized or that we have on record for you. If applicable, in the event that your payment or billing source cannot process the membership fee for any reason (such as insufficient credit or funds), we may, at our discretion, re-process the payments owed to the same billing source, or other authorized billing source, in full or in incremental amounts, in order to process the membership fees. Refunds will not be issued once services have been provided to you. Any reactivation of previously cancelled Services may result in a change to the start of your next membership period and may change the date on which you are billed for each period.
7. CANCELLATION; TERMINATION; REFUND POLICY.
You may cancel your membership or subscription at any time by calling us at 775-431-7962, by using the contact information provided on the Website or by cliking Here. If you enrolled in a trial membership, you may terminate your membership during any trial period and incur no additional charges. Additionally, if you cancel during the trial period, you may request a refund of your processing/and or trial fee by contacting us.
If you cancel your membership or subscription, you will no longer be billed for the Services, however, you will continue to have access to the Services until the end of the subscription or membership period during which you cancelled, and until any promotional or bonus period(s) have expired, after which time your access to the Services will cease. No refunds or credits will be issued. We do not provide pro-rated refunds. Memberships can be cancelled at any time but should be cancelled at least 3 business days prior to your next billing date to avoid future charges.
We reserve the right to refuse or cancel your membership if fraud or an unauthorised or illegal transaction is suspected.
8. ELECTRONIC COMMUNICATIONS.
By registering for a subscription or membership, you consent to receive communications from us electronically and agree to be added to our customer email list, as well as our SMS text message customer list. We may communicate with you by email, text message, by posting notices on the Website, by delivering notifications through our mobile applications or through other electronic means. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. We may send you email newsletters on a variety of topics and may send you emails on behalf of pre-screened third parties containing promotional offers or opportunities that we believe may be of interest to you. You may start or stop receiving such emails at any time by sending an email to an account that shall be designated for that purpose. Additionally, even if you opt-out of marketing emails, if you are registered or have requested that we contact you about our products or services, you authorize us to send you important notices about the products or services and any pending transactions to any email address you provide to us. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities.
9. MONITORING.
We have the right but not the obligation to monitor and edit or remove any activity or content. We take no responsibility and assume no liability for any content submitted by you or any third party. During monitoring, information may be examined, recorded, copied, and used for authorized purposes in accordance with our Privacy Policy. Use of the Website constitutes consent to such monitoring. Furthermore, we reserve the right at all times to disclose any content or information posted on any portion of the Website as necessary to satisfy any law, regulation or governmental request, or to refuse to post, or to remove, any content or information, in whole or in part, that in our sole and absolute discretion are objectionable or in violation of this Agreement. Notwithstanding this right, we are not responsible nor liable for any content or information posted or submitted by you.
10. MINORS.
Children under the age of 18 should not and are not authorized to use the Website or Services hereunder. At various places on the Website, we may ask whether users are under the age of 18. We rely on our users to be truthful in responding to these questions. If a user does not identify his/her proper age, we will have no way of verifying actual age with respect to our privacy policy.
11. GOVERNING LAW.
These Terms shall be governed and construed in accordance with the laws of Nevada, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
12. CONTACT INFORMATION.
If you do not understand any of the foregoing Terms of Use or if you have any questions or comments, we encourage you to contact us.
