DEBTFREE™ ACADEMY – CASH-FLOW DASHBOARD™

SERVICE AGREEMENT

ATTENTION: PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SERVICE. BY USING THIS WEBSITE, INCLUDING ANY SERVICES PROVIDED ON OR THROUGH THIS WEBSITE (the "Website"), YOU INDICATE THAT YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THIS SERVICE.

Welcome to DebtFree Academy’s Cash-Flow Dashboard Monthly Subscription (the "Service"), powered by DebtFreeAcademy.com (the "Website"). This Service Agreement ("Agreement") contains the terms and conditions upon which you ("you," or the "member") may access DebtFreeAcademy.com or any services through the Website. You agree to be legally bound by these terms.

The Service can help you understand and manage your debt. The suggestions provided are based on the information and assumptions you enter. If the information and assumptions are incorrect, if the terms of your debts are changed (e.g., minimum monthly payment increased, interest rate increased) or if your balance increases, the suggested payment allocations will not achieve the anticipated results. The applications are for informational purposes only. The accuracy of the applications and their applicability to your circumstances are not guaranteed.

 

Initial 30-Day Trial

 

You may cancel your Cash-Flow Dashboard Monthly Subscription at any time during the initial 30-day period without charge. If you wish to continue your subscription to the Service beyond the 30-day trial period, do nothing and your subscription 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 each subsequent 30-day period and your subscription will continue automatically, billable monthly at the prevailing rate. To cancel your subscription please contact our Customer Service Team at support@debtfreeacademy.com.

 

When you become a subscriber entitled to use the Cash-Flow Dashboard monthly subscription, you understand that it is a subscription that automatically renews itself every month indefinitely without action by the subscriber on the anniversary day of your initial purchase. The DebtFree Academy will charge the monthly subscription fee to the credit card or bank account that was most recently used on the Website. Should your credit card fail to authorize, you will be notified via email immediately. The benefits of your subscription (including, without limitation, access to the Cash-Flow Dashboard Dashboard) will be suspended until payment is received provided payment is received within 25 days. If payment is not received within 25 days, any data you have been provided will be purged from our database, and your subscription will be cancelled. An enrollee whose subscription fee has been paid is entitled to all privileges included in the subscription until the subscription is cancelled by the enrolled subscriber. Upon cancellation, the subscriber loses access to the areas of the Cash-Flow Dashboard designated for subscribers only and loses access to the subscriber’s data and other benefits. This could include any debt data and analyses that have been displayed during the subscription.

 

A subscriber 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 neither full nor pro-rated refunds will be given for the previous month. Please keep in mind that all payments are made for the previous month’s usage.

 

General Terms

 

The DebtFree Academy maintains the Service to provide you with information about our subscriptions, 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 specifics of our subscriptions, products and services or to participate in our affiliate program, contests or surveys. Website content and services are subject to change without notice.

 

The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on the Website, including but not limited to DebtFreeAcademy.com are the property of DebtFree Academy 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 Website, the >DebtFree Academy owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Website 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 Website 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 DFPL or the owner of the Content.

 

OUR SITE, INCLUDING ALL CONTENT, SUBSCRIPTIONS, 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 THE DEBTFREE ACADEMY NOR ITS AFFILIATES 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, SUBSCRIPTIONS, PRODUCTS OR SERVICES OR THAT OUR SITE, SUBSCRIPTIONS, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, THE DEBTFREE ACADEMY AND ITS AFFILIATES 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 WEBSITE, SUBSCRIPTIONS, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR WEBSITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER DFPL NOR ITS AFFILIATES 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, MEMBERSHIPS, 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.

 

THE DEBTFREE ACADEMY AND THE SERVICE IS NOT RESPONSIBLE FOR LATE, DELINQUENT, OR MISSED PAYMENTS TO CREDITORS. CONSUMERS SHOULD CONSULT AN ATTORNEY FOR INFORMATION ABOUT THEIR RIGHTS UNDER THE LAW.

 

NOT CREDIT REPAIR: PLEASE NOTE THAT THE DEBTFREE ACADEMY IS NOT A CREDIT REPAIR ORGANIZATION OR SIMILARLY REGULATED ORGANIZATION GOVERNED BY THE FEDERAL CREDIT REPAIR ORGANIZATIONS ACT OR SIMILAR STATE LAWS. DFPL DOES NOT PROVIDE SO-CALLED "CREDIT REPAIR" SERVICES OR ADVICE OR GIVE ADVICE OR ASSISTANCE REGARDING "CLEANING UP" OR "IMPROVING" YOUR CREDIT RECORD, CREDIT HISTORY, OR CREDIT RATING.

 

Consumer Credit File Rights under State and Federal Law

 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

 

You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.

 

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

 

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

 

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

 

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

 

The Federal Trade Commission regulates credit bureaus and credit repair organizations.

 

For more information contact:

 

The Public Reference Branch

Federal Trade Commission

Washington, DC 20580

 

Simulators

 

In the event you use a simulator service, you acknowledge that the analysis displayed is for informational purposes and there is no assurance that any specific result will be obtained.

 

Registration and Accurate Information

 

If you decide to register on our website, become a member of one of our subscription programs, purchase our products or services or participate in our affiliate program, contests or surveys, you may be required to register, provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify the DebtFree Academy promptly of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your >DebtFree Academy account and your right to use the Website.

 

Our Privacy Policy

 

By using our Website, becoming a member of one of our subscription 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 Statement. In the event you indicate that you want to receive offers from the DebtFree Academy, your information may be used to serve relevant ads to you when you visit the site. Our privacy statement can be reached from the link at the bottom of this page.

 

Term and Termination; Modification

 

This Agreement will take effect at the time you click "I Accept," and shall terminate (a) when the member cancels his/her subscription by contacting the DebtFree Academy via the toll-free number set forth on the website for cancellations, or (b) upon termination of your subscription or (c) if the DebtFree Academy discontinues providing any subscription, subject to your right to receive subscription benefits that you have paid for or to obtain a refund of a portion of your payment. You may print a copy of this Agreement for your records.

 

The DebtFree Academy may (i) change the terms of this Agreement or the feature of the subscription products, or (ii) change the Website, including eliminating or discontinuing any content or feature of the Website, restricting the hours of availability, or limiting the amount of use permitted, by posting notice of such modification on a page of the Website before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the Website and/or your subscription after the DebtFree Academy has notified you of a change in the Agreement, you agree to be bound by all of the changes. You are expected to review the Website periodically to ensure familiarity with any posted notices of modification.

 

Notices

 

You should send any notices or other communications regarding our Website, your subscription, products or services to support@debtfreeacademy.com.

 

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 'Your Account' section from the main menu.

 

Applicable Law

 

The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Arizona, USA, and applicable federal law, without regard to any conflict of law provisions. The DebtFree Academy can provide credit reports only for individuals who have established credit in the United States. Those who choose to access this Website, or become a member in one of our subscription 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 under this Agreement or out of the DebtFree Academy’s provision of services to you, pursuant to this subscription or otherwise, if submitted to a court of law shall be submitted to the state and federal courts of Arizona, USA.

 

Policy Regarding Children

 

We define children as individuals under the age of 16. Our Website is not intended for the use of children and we do not intend to collect information about children through our Website. You must be at least 18 to access any products through this website or to join the DebtFree Academy as a member entitled to subscription benefits.

 

Miscellaneous

 

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 existing between the parties hereto are null and void.

 

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 DebtFree Academy’s Privacy Statement, 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 Website and your subscription, the DebtFree Academy has relied on your agreement to be bound by the terms of this Agreement.

 

Right to Cancel

 

You may cancel this contract without penalty or obligation at any time before midnight of the third business day after the date on which you signed the contract.You may cancel by calling (888) DEBTFREE or by emailing your cancellation request to support@debtfreeacademy.com.