mycaoffer.com Open in urlscan Pro
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Text Content

 * Questions? Talk to a Debt Consultant now
   
   
 * 800-845-5684

Credit Card Debt


FORGIVENESS PROGRAM

Complete the form or call
800-845-5684 to see if you qualify for our federally regulated program.

Complete the form or call 800-845-5684 to see if you qualify for our federally
regulated program.

Complete the form or call
800-845-5684 to see if you
qualify for our federally
regulated program.


FEDERALLY REGULATED PROGRAM

FIND OUT IF YOU QUALIFY IN MINUTES

First name
Last name
Phone
Email

By submitting, you agree to our Privacy Policy / Terms of Service.

See If You Qualify

To protect your privacy and security, we secure all transactions with
enterprise-level data encryption.


THE CREDITASSOCIATES TEAM

Over 300,000 Debt Accounts Settled

Over $1 Billion in Debt Resolved

Over 15 Years in Debt Relief Business

Debt Accounts Settled

Debt
Resolved

In Debt Relief Business




TRUSTPILOT’S TOP RATED DEBT RELIEF COMPANY

4.9 out of 5 stars based on over 13,000 reviews


WHY DEBT SETTLEMENT IS A GREAT OPTION

 * Reduces amount of money owed

 * Affordable monthly payments

 * Pay off your debt faster than you thought possible

 * Good credit not required

 * No collateral required

Simply call or complete the form on this page to get started.

800-845-5684

@CreditAssociates, LLC, 5050 Quorum Dr., Suite 700, Dallas, TX 75254 • 2024 All
Rights Reserved.

If you do not want to receive offers from us, go to www.mail-opt-out.org or call
toll-free at 1-800-733-1648; or write "CreditAssociates, Opt Out Request", 5050
Quorum Drive, Suite 700, Dallas, TX 75254. This offer is not guaranteed if you
do not meet our criteria.

This is a communication from CreditAssociates, LLC. This is an attempt to
facilitate a renegotiation of debts directly with creditors including credit
cards and other unsecured loans. CreditAssociates, LLC is a private debt relief
company and not a lender, creditor, or debt collector. This is not a prescreened
credit offer and your credit report was not accessed in relation to this offer.
Your approval for our debt relief program is contingent on having $10,000 or
more in debt and a quantifiable hardship. Not available in all states.

Privacy Policy / Terms of Service

PRIVACY POLICY

×


PRIVACY POLICY

We take our ethical responsibilities and your privacy seriously. We have a
strong commitment to providing excellent service to all our clients and visitors
of this website, including respecting your concerns about privacy. This Privacy
Policy describes the collection, use, disclosure, and protection of your
personal information maintained by our Company. If you use this site, you agree
to the terms and conditions of the Privacy Policy in effect at the time of your
use. We hope that this disclosure will help increase your confidence in our
website and enhance your experience on the Internet. Therefore, in compliance
with industry standards and applicable regulations, we abide by the following
privacy policy.

INFORMATION WE COLLECT

The Company collects both personal and non-personal information from you in
order to support the below activities:

 * Use of our website;
 * Request for quotes, services, support, downloads, trials, whitepapers or
   information;
 * Placement of orders for products or services;
 * Registering for events or webinars;
 * Subscribing to newsletters, Company programs, promotional emails or other
   materials;
 * Applying for a job, including submitting your resume/CV or creating a
   candidate profile; or
 * Contacting us via phone or online

Most commonly, personal information including your first and last name, email
address, home address and telephone number is collected to support these
activities. Specifically,

 * When you visit our website, we may collect information including the pages
   you view, the links and advertisements you click, search terms you enter, and
   other actions you take in connection with our website and services. We may
   also collect certain information from the browser you used to come to our
   website, such as your Internet Protocol (IP) address, browser type and
   language, access times, the Uniform Resource Locator (URL) of the website
   that referred you to our website and to which URL you browse away from our
   site if you click on a link on our site.
 * Placement of orders for products or services may involve the collection of
   personal information including bank account details, Social Security number
   (SSN), and total debt amount.
 * Applying for a job may involve the collection of personal information
   including educational background, employment experience and job interest.

When submitting any information to us for these activities, the forms that you
choose to complete will indicate whether the information requested is mandatory
or voluntary.

In order to offer you a more consistent and personalized experience in your
interactions with the Company, information collected through one source may be
combined with information we obtain through other sources. This may include
information that allows us to identify you across multiple devices through which
you access our websites. We may also supplement the information we collect with
information obtained from other parties, including our business partners and
other third parties.

Some Company services may be co-branded and offered in conjunction with another
company. If you register for or use such services, both the Company and the
other company may receive information collected in conjunction with the
co-branded services and may use the information according to each company’s
privacy statement and other agreements with you.

How We Use Personal Information

The Company may use the Personal Information we collect to:

 * Deliver the services and support to carry out the transactions you have
   requested;
 * Send communications to you such as your transaction status including service
   confirmations, information about particular Company programs in which you
   have chosen to participate, information about products and services available
   from the Company and promotional offers and surveys;
 * Facilitate communications from the Company business partners;
 * Customize, analyze and improve our products, services (including the content
   and advertisements on our website), technologies, communications and
   relationship with you;
 * Enforce our conditions of sale, website terms and/or separate contracts (if
   applicable) with you;
 * Prevent fraud and other prohibited or illegal activities;
 * Protect the security or integrity of our website(s), our business(es), or our
   products or services; or
 * Otherwise, as disclosed to you at the point of collection.

The Company collects and subsequently stores all personal data within the United
States.

Disclosing Personal Information

We may share your Personal Information with service providers to carry out
transactions you request, or to make our business more responsive to your needs,
which includes third parties providing you with information about the Company,
and the Company’s branded products and services. These communications may
include requests relating to the Company and the Company-branded products or
services or offers. We will only share your Personal Information with third
parties who agree to protect your Personal Information and use it solely for the
purposes set forth by the Company.

In addition, the Company may share your Personal Information with participants
in our sales and marketing chain, including but not limited to retailers,
resellers, distributors, integrators, order fulfillers and some sales agents
(“Channel Partners”), for the limited purposes of selling, marketing or
providing support for the Company’s products and services.

We may also disclose your Personal Information in connection with law
enforcement, fraud prevention or other legal action; as required by law or
regulation; if the Company (or a part of the Company) is sold or merges with
another company; or if the Company reasonably believes it is necessary to
protect the Company, its clients or the public.

Except as described above, we will not disclose your Personal Information to
third parties solely for their own marketing purposes without your consent.

DISCLOSURE OF INFORMATION TO THIRD PARTIES

We may disclose a consumer’s personally identifiable information in order to
effect or carry out any transaction that you have requested of us or as
necessary to complete our contractual obligations with you. We prohibit the sale
or transfer of personal information to non-affiliated entities for their use
without giving you the opportunity to opt-out (See Opt-Out below). We may share
your personally identifiable information with affiliated companies that are
directly or indirectly controlled by, or under common control of
CreditAssociates. We may send personally identifiable information about you to
non-affiliated companies that are not directly or indirectly controlled by, or
under common control of, CreditAssociates. The personal information collected on
this site and by third parties will be used to operate the site and to provide
the services or products or carry out the transactions you have requested or
authorized. We may change or broaden the use of your personal information at any
time. We may use your personal information to provide promotional offers to
individuals by means of email advertising, telephone marketing, direct mail
marketing, banner advertising, and other possible uses.

CreditAssociates, LLC Service Providers

We may use other third parties to provide certain clerical and information
processing and
shipping services on our site. When you sign up for our services, we will share
only as much information as is necessary for the provision of those services.
These third parties are prohibited from using your personally identifiable
information for any other purpose.

UNSUBSCRIBE FROM COMMUNICATIONS

We provide you the opportunity to ‘unsubscribe’ your personally identifiable
information used for certain purposes, when we ask for this information. For
example, if you purchase a product/service but do not wish to receive any
additional marketing material from us, you can indicate your preference to a
client service representative.
If you no longer wish to receive promotional communications, you may opt-out of
receiving them by following the instructions included in each communication or
by emailing or calling us per the information contained on our contact page. You
may also go to: www.mail-opt-out.org.
If you do not wish to have your personal information collected by any third
party that is not our agent/service provider, please contact our client service
department to actively opt-out of having your personal information shared. This
opt-out provision is limited to any use of your personal information other than
the management of your CreditAssociates account. This election has no bearing on
your account status with CreditAssociates. Any change in your account status
must be made in accordance with the provisions contained in your enrollment
documents. To opt-out, email our client service department with “opt-out” and
your client ID number in the subject line of your message.

SELL OR SHARE MY PERSONAL INFORMATION

The Company does not share personal information about its clients with third
parties; however, if you elect to not employ our services, we may share certain
information with carefully selected third party service providers such as your
name, phone number, email address and physical address. Under California’s CCPA
law, persons residing in California can request we not share their personal
information with any third parties. By clicking on this link, we will not share
your personal information with third-party service providers. We do not
advertise or target our business to consumers who are under the age of 18. If
personal information is collected and is discovered to be about an individual
under the age of 18, we will immediately take steps to remove this information
and cease selling any information about that person.

SECURING THE TRANSMISSION AND STORAGE OF INFORMATION

The security of your personal information is extremely important to us. We
employ generally accepted industry standards to protect the personal information
submitted to us, both during transmission and once we receive it.
Our site uses SSL (Secure Sockets Layer) security technology to encrypt
information you provide to us through the site when entering sensitive
information (such as credit card number and/or social security number) on our
registration or order forms. This ensures that your information is encrypted as
it travels over the Internet. SSL is an industry-standard protocol for
encryption over the internet.
After information reaches CreditAssociates, it is stored on a secure server that
resides behind firewalls designed to block unauthorized access from outside of
CreditAssociates. You can help to maintain the security of your online
transactions by not sharing your personal information or password with anyone.
Remember, no method of transmission over the Internet, or method of electronic
storage, is 100% secure (example: any information you provide us by email is not
encrypted). Therefore, while we strive to use commercially acceptable means to
protect your personal information, we cannot guarantee its absolute security.
If you have any questions about the security on our website, please feel free to
email us.

To support the function of our website and to provide you with a personalized
experience while visiting our site, we place small data files called “cookies”
on your device.

A cookie is a piece of text that is placed on your computer or mobile device
when you visit our website. Depending on the settings you have selected, your
browser adds the text to your device as a small file. Our website uses cookies
to enable you to sign into our services and to help personalize your online
experience. These technologies and the information collected about you may also
be used to track your activity across multiple devices. We use cookies to store
your preferences and other information on your computer in order to save you
time by eliminating the need to enter the same information repeatedly. Personal
data including your IP address, X, and Y are collected by these cookies.

Cookies allow you to take advantage of some of the Company’s essential features.
Many browsers are set to accept cookies by default. You have the ability to
accept or decline cookies as you prefer. The “Help” portion of your web browser,
most likely found on the toolbar, typically tells you how to prevent your
browser from accepting new cookies, how to have the browser notify you when you
receive a new cookie, or how to disable cookies altogether. If you choose to
decline cookies, you may not be able to sign in or use other interactive
features of our website and services that depend on cookies.

Additionally, our site employs “clear gifs” which are tiny graphics with a
unique identifier, similar in function to cookies, and are used to track the
online movements of web users and help us better manage content on our site by
informing us what content is effective. For example, we use clear gifs in our
HTML-based emails to let us know which emails have been opened by recipients.
This allows us to gauge the effectiveness of certain communications and the
effectiveness of our marketing campaigns. In contrast to cookies, which are
stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web
pages and are about the size of the period at the end of this sentence.

As is true of most websites, the information we automatically gather from
cookies and clear gifs is then stored in a “log file.” We use this information
to analyze trends, administer the site, track users’ movements around the site
and to gather demographic information about our user base as a whole, such as
age, gender and income.

We do not link this automatically collected data to personally identifiable
information.

LINKS TO OTHER SITES

This website may contain links to other sites such as our affiliates as well as
third parties which are not owned or controlled by us. Please be aware that this
privacy policy only addresses our company’s use and disclosure of your
information collected on this site.
While we try to link only to sites that share our standards and respect for
privacy, we are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the applicable
privacy policies and terms of conditions of each and every Web site that
collects personally identifiable information.
This privacy statement applies only to information collected by this Service.

CO-BRANDED SITES

We may be co-branded with “partners and affiliates”. These business to business
relationships are helpful to us and to you as they afford all concerned with
greater product and service opportunities.
We always provide opt-out opportunities regarding the sharing of your
information with such partners and affiliates. Please note the sites linked to
our site are governed by their own privacy policies which may or may not reach
the standards set by our company.

CLIENT SERVICE

If you send us correspondence, including emails, voice mails, forms, chat
sessions and faxes, we may retain such information in your client file.
Information you give us over the telephone may be noted for your file. We may
also keep copies of any correspondence sent to you. We retain these records in
order to provide the products and services you have requested and to measure and
improve our client service. We may, over time, delete these records as permitted
by law. Phone calls may be recorded or monitored for client satisfaction or
training purposes.

Based upon the personally identifiable information you provide, we may
communicate with you to provide the services you request, and to manage your
account. We may communicate via email or telephone, in accordance with your
wishes.

LEGAL DISCLAIMERS

We reserve the right to disclose your personally identifiable information, as
required, to comply with the law, applicable regulations, governmental and
quasi-governmental requests, judicial proceedings, court orders or subpoenas, to
enforce our Legal Notices or other agreements, or to protect our rights,
property or safety or the rights, property or safety of our users or others
(e.g., to a consumer reporting agency for fraud protection etc.).

SUPPLEMENTATION OF INFORMATION

In order to provide certain services to you, we may on occasion supplement the
personal information you submitted to us with information from third party
sources.

BUSINESS TRANSITIONS

In the event our company goes through a business transition, such as a merger,
acquisition by another company, or sale of all or a portion of its assets, your
personally identifiable information will likely be among the assets transferred.
You will be notified via email and/or a prominent notice on our Web site for 30
days of any such change in ownership or control of your personal information.

RIGHT TO ANTI-DISCRIMINATION

The Company does not and will not discriminate against any customer or client
that exercises their rights under the California Consumer Privacy Act. Those
rights include requests to access personal information, to delete information,
and to opt out of the sale of personal information.

The statutory language specifies that discrimination includes, but is not
limited to:

(a) denying goods or services to consumers;

(b) charging different prices or rates for goods or services, including through
the use of discounts, benefits, or other penalties;

(c) providing a different level or quality of goods or services; and

(d) suggesting that a consumer will receive a different price or quality of
goods or services if the consumer exercises rights under the law.

The CCPA provides certain exceptions to the general prohibition on
discrimination. Businesses may charge consumers different prices or offer
different levels of service if the difference is “reasonably related to the
value provided to the consumer by the consumer’s data.” The CCPA also permits
businesses to offer financial incentives—including payments to consumers as
compensation for the collection, sale, or deletion of personal information—if
the programs are not “unjust, unreasonable, coercive, or usurious in nature,”
and if businesses notify consumers of these financial incentives, obtain opt in
consent prior to enrolling a consumer in a financial incentive program, and
provide consumers with the opportunity to revoke consent for such programs at
any time.

The Challenge of Calculating the Value of the Data to the Consumer

Prohibited discrimination under the CCPA includes offering different prices,
qualities of goods, or levels of service. But businesses are permitted to offer
different prices or levels of service, if the difference is “reasonably related
to the value provided to the consumer by the consumer’s data.”

The Practical Impacts on Businesses’ Data Sharing Relationships

In light of the broad definition of “sale,” consumers’ right to opt out of the
sale of their personal information could disrupt many existing data sharing
relationships. Businesses or affiliates exchanging data about their mutual
customers, even as part of a broader relationship, could potentially be viewed
as engaging in a “sale” if it could be viewed as in exchange for “other valuable
consideration.” Such “sale” transfers would therefore be subject to consumer opt
out. And this broadly framed right to opt out of the sale of personal
information, combined with the anti-discrimination provision, has the potential
to significantly impact data-supported business models.

NEW REQUIREMENTS ON CHILDREN’S AND TEEN’S DATA

The CCPA prohibits businesses from selling data of consumers that they have
actual knowledge are under the age of 16, unless they have received opt-in
consent (i.e., affirmative authorization) for such sale from: (1) for consumers
under the age of 13, the consumer’s parent or guardian; or (2) for consumers
aged 13-16, the consent of the consumer. A business that willfully disregards
the consumer’s age is deemed to have actual knowledge of the consumer’s age.
Cal. Civ. Code § 1798.120. The Company does not advertise or target its business
to consumers that are under the age of 16. If personal information is collected
and is discovered to be about an individual under the age of 16, the Company
will delete the information.

ACCESS TO PERSONALLY IDENTIFIABLE INFORMATION

If your personally identifiable information changes, or if you no longer desire
our products or services, you may correct, update, delete or deactivate same by
emailing our Client Support by contacting us by telephone or postal mail at the
contact information listed below.

REQUEST TO KNOW

You have the right to request that the Company disclose certain information to
you about our collection and use of personal information over the past 12
months. Once we receive and confirm your verifiable consumer request, we will
disclose to you:

 1. The collection of personal information we collected about you;
    2. The categories of sources for the personal information we collected about
    you;
    3. Our business or commercial purpose for collecting or selling that
    personal information;
    4. The categories of third parties with whom we share that personal
    information;
    5. The specific pieces of personal information we collected about you; and
    6. If we sold or disclosed your personal information for a business purpose,
    and, if so, the following information:
 2. Sales, identifying the personal information categories that each category of
    recipient purchased; and
    b. Disclosures for a business purpose, identifying the personal information
    categories that each category of recipient obtained.

If you have any further questions regarding this matter, please call
1-800-983-6693 or email info@creditassociates.com.

SUMMATION OF CONSUMER RIGHTS

The Company adheres to the California Consumer Privacy Act (“CCPA”) by offering
the following rights to our consumers. The right to know what personal
information we collect, maintain, disclose, or sell about you. The right to
delete the personal information we maintain about you. The right to opt-out of
the sale of your personal information. The right to non-discrimination for
exercising these rights. The ability to use a designated authorized
representative to exercise your rights on your behalf.

The Company also provides the ability for you to unsubscribe from marketing
communications you may receive via phone, email, or postal mail.

CHANGES TO THIS PRIVACY STATEMENT

We reserve the right to modify this privacy statement at any time. We will not
jeopardize your privacy. The provisions contained in this privacy statement
supersede all previous notices or policies regarding our privacy practices with
respect to this site. Any and all changes will be made here, to this privacy
statement.
We encourage you to check our site frequently to see the current privacy
statement to be informed of how we are committed to protecting your information
and providing you with improved content on our website in order to enhance your
online experience. Upon any material changes to the policy statement, we will
post those changes to this privacy statement, the homepage, and other places we
deem appropriate so that you are aware of what information we collect, how we
use it, and under what circumstances, if any, we disclose it.

This policy was last reviewed in January 2020.

CONTACT US

If you have any questions, comments, complaints or suggestions regarding our
privacy policy or our website, please contact us at:
CreditAssociates, LLC
info@creditassociates.com

Terms of Service

CreditAssociates may provide the “User” with access to its website content,
resources, tools for communication, public forums, commerce platforms, and other
services (the “Service”). CreditAssociates provides its Service to the User,
subject to the following Terms.
CreditAssociates is not responsible for providing you access facilities or
equipment (in any form) to its Service. You, the “User” or “You”, also agree
that the Service may include advertisements, analytics and sponsorships and that
such things are necessary for CreditAssociates to provide the Service. You also
agree that CreditAssociates makes no representation or warranty about the
suitability, reliability, availability, timeliness, accuracy of the information,
products, services and related graphics contained within the Service for any
purpose. The Service is provided “as is” without warranty of any kind.
CreditAssociates hereby disclaims all warranties and conditions with regard to
the Service.

THE SERVICE IS SUBJECT TO ANY APPLICABLE RETAINER AGREEMENTS AND DISCLAIMERS.

ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE

The Service is provided to User under the terms and conditions and any
amendments thereto and any operating rules or policies that may be published
from time to time by CreditAssociates as part of its Terms of Service and
related disclosures which are cumulatively included herein by reference. The
CreditAssociates Terms of Service comprise the entire agreement between the User
and CreditAssociates and supersedes any prior agreements pertaining to the
subject matter contained herein. BY CLICKING THE “SUBMIT” BUTTON, YOU ARE
AGREEING TO BE BOUND BY THE CreditAssociates Terms of Service, Legal Disclaimer
and applicable terms of the Retainer Agreement.

MODIFICATION OF THESE TERMS OF USE

CreditAssociates reserves the right to change any of the terms, conditions, and
notices under which the Services are offered. You are responsible for regularly
reviewing these terms and conditions, including changes/modifications, if any,
incorporated by us from time to time. Your continued use of the Service
constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION TO THE SERVICE

CreditAssociates reserves the right to modify or discontinue, temporarily or
permanently, the Service (or any part of the Service) with or without notice to
the User at any time and from time to time. The User agrees that
CreditAssociates shall not be liable to the User or any third party for any
modification or discontinuance of the Service.

USER CONDUCT

The Service may include e-mail services, message boards, chat areas, newsgroups,
forums, communities and/or other message or communication facilities designed to
enable you to communicate with others (collectively, “Tools for Communication”).
You agree to use the Tools for Communication only to post, send and receive
messages and material that are proper and, when applicable, related to the
particular tool for Communication. You also hereby agree that you shall not make
use of the Service for any commercial purpose, including reselling and/or co
branding/private labeling. As a condition of your use of the Service, you agree
to provide: (a) true, accurate, current and complete information about yourself;
(b) maintain and promptly update your information to keep it accurate, current
and complete. If you provide any information that is untrue, inaccurate, not
current or incomplete, CreditAssociates has the right to terminate the User
account and refuse any and all current or future use of the Service; and (c)
CreditAssociates has the right to use / disclose the aggregate information to
third parties in connection with marketing of services, subject to the privacy
policy. You also hereby grant CreditAssociates the right to use your information
to provide advertising and other service offers. This could also be used to
customize the content you see, to fulfill your requests for certain products and
services and to contact/inform you through e-mail or otherwise about special
offers or new products.

USAGE OBLIGATIONS

As a condition of your use of the Service, you will not use the Service for any
illegal purposes. You will be solely responsible for the contents of
transmissions made by you through the Service. You agree not to use the Service
to: (a) Obstruct or hinder the use and enjoyment of the Service by other Users;
(b) Violate any applicable local, state, national, and international laws and
regulations; (c) Impersonate any person or entity, or falsely state or otherwise
misrepresent your affiliation with a person or entity; (d) Interfere with or
disrupt the Service or servers or networks connected to the Service, or defy any
requirements, regulations or guidelines of networks connected to the Service;
(e) Transmit or otherwise make available any material in connection with
surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any
duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post,
e-mail, transmit or otherwise make available any content that is unlawful,
damaging, intimidating, hostile, offensive, harassing, defamatory, improper,
obscene, vulgar, invasive of another’s privacy, or transmit anything that is
ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or
otherwise make available any content protected by any patent, trademark,
copyright or other intellectual proprietary laws unless you own or control the
rights thereto or have received all necessary consents to do the same; (h)
Upload files that contain viruses, worms, corrupted files or any other similar
software or programs designed to disrupt, damage or limit the operation of any
computer or telecommunications equipment or property of another; (i) “Stalk” or
otherwise harass other users; collect or store personal data about other user;.
(j) Advertise, promote or offer to sell or buy any goods or services for any
business purpose unless the Service specifically allows such messages or
transactions; (k) Reproduce, duplicate, copy, sell, resell or exploit for any
commercial purposes, any portion, use or access of the Service; (l) Violate the
Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other
law; or (m) Conduct any activity that would aid or assist terrorism or related
activity or would endanger U.S. military personnel.
CreditAssociates has no obligation to observe and monitor the Service. However,
CreditAssociates reserves the right to review materials posted and to remove any
materials. CreditAssociates also reserves the right to terminate your access to
any or all of the Services, at any time, without notice, for any reason
whatsoever.
CreditAssociates reserves the right subject to attorney-client privilege to the
extent applicable and to the extent the same is not waived through these
provisions, at all times to divulge any information as it considers necessary to
satisfy any applicable law, regulation, legal process or governmental request,
or to edit, refuse to post or to remove any information or materials, in whole
or in part. These would be more applicable to the publicly accessible areas of
the Service that are intended to be available to the general public. For
example, publicly accessible areas of the Service would include message boards
and chat rooms that are open to both registered users and visitors.
In view of the global nature of the World Wide Web, the User understands and
agrees that technical processing of tools of communication is (and may be)
required to send and receive messages, to correspond/conform to the technical
requirements of connecting networks, to correspond/conform to the limitations of
the Service, or to correspond/conform to other, similar technical requirements.

DISCLAIMER

Registration information and certain other information about you are subject to
our Disclaimer. For more information, see our Legal Disclaimer.

LIMITATION OF LIABILITY

You expressly understand and agree that to the extent permitted by law,
CreditAssociates shall not be liable for any direct, indirect, incidental,
special, consequential or exemplary damages, including but not limited to,
damages for loss of profits, goodwill, use, data or other intangible losses
(even if CreditAssociates has been advised of the possibility of such damages),
resulting from: (i) the use or the inability to use the Service; (ii) the cost
of procurement of substitute goods and services resulting from any goods, data,
information or services purchased or obtained or messages received or
transactions entered into through or from the Service; (iii) unauthorized access
to or alteration of your transmissions or data; (iv) statements or conduct of
any third party on the Service; (v) the provision of debt settlement or
negotiation Services; or (vi) any other matter relating to the Service.

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