CreditQ.com, a California corporation, owns and operates the Web sites located at the URL www.CreditQ.com, CreditQ.com/Social, and portions of other Web pages and Web content through which you have accessed this Agreement of Terms of Use (collectively, “www.CreditQ.com”). By visiting, using and/or submitting information to CreditQ.com and CreditQ.com/Social, you agree to be bound by the terms and conditions of this Agreement of Terms of Use ("Agreement") as well as our Privacy Policy.
Web Site Use Restrictions
Social restricts certain content and activities in order to prevent abuse of our features and to protect users from potential spam or instances of harassment. To this end, we ask that all comments and exchanges be done in a truthful and respectful manner. For further information, see the list of things considered Prohibited Content.
Prohibited Content
The following rules and regulations establish the rights and responsibilities of site users. Anytime you use the Web site, CreditQ.com/Social, you are implicitly agreeing to these terms of use. Things that are not allowed on CreditQ Social include, but are not restricted to:
- Hate Speech
- Imposter or fake profiles
- Any content containing violence
- Any content containing nudity or sexually suggestive or harassing words/images/video
- Threats of violence or attacks directed at groups or individuals
- Publishing the personal information of someone other than yourself
- Bullying or harassment
- Unauthorized solicitations, spam
- Engaging in unlawful multi-level marketing, e.g., Ponzi or pyramid schemes
- Uploading malware or viruses
- Any activity that will undermine the website, or impair its functionality
CreditQ Social reserves the right to remove content and/or block/remove/disable users who violate the terms of this agreement.
Removing Reported Content & Disabling Accounts
- CreditQ Social removes reported content/material, and/or disables accounts that violate this Terms of Use Agreement.
- If your content or actions are reported as prohibitive, you may receive a written warning (in the form of an e-mail) indicating the content/material purportedly in violation.
- If the content is in violation, we will remove it.
- If repeated content violations occur, and/or violations are considerable, your account may be disabled without further warning.
- If you believe content has been reported in error, please indicate this to us within 10 days of our corrective action (either removing the material, or sending an e-mail regarding the material), to submit an appeal.
Best Practices/Accounts
Part of the Terms of Use requires that every CreditQ Social member creates an authentic account, complete with your real name (in the case of personal profiles), as well as an accurate presentation of your professional skills (in the case of professional profiles). This makes it easier for you to find who you're looking for and helps keep our community safe. If you notice personal and/or professional profiles that may be misrepresented, please contact site administrators.
Share Content and Interact Respectfully
CreditQ Social restricts certain content on our website in order to make the community a pleasant place for all. Encouraging participation while maintaining a positive experience for all of our site members and visitors is our ultimate goal. To this end, we ask that all comments and exchanges be done in a considerate and respectful manner. We want all users to feel comfortable with our site’s dynamics, thus we reserve the right to delete obnoxious, profane, abusive, and/or harassing comments and communications. Additionally, we also reserve the right to delete any posting containing nudity or spam, and will block/disable/remove the accounts of repeat offenders.
Personal and Professional Use
CreditQ.com/Social is made available for both personal and professional use. CreditQ.com/Social allows financial professionals and others to connect and share information across the site, as represented by a personal and/or professional profile. CreditQ.com/Social relies on site members and visitors to represent themselves in an honest and lawful way. CreditQ.com/Social believes all information and advice presented on the site to be credible, reliable, and accurate; however, we make no claims or representations about the accuracy, reliability, timeliness, usefulness or completeness of such information or advice. All information and advice given on CreditQ.com/Social is intended only to assist you with financial decisions. However, CreditQ.com/Social is not a certified financial planner and is not offering the services of a financial planner. Accordingly, CreditQ.com/Social recommends that you get different opinions and seek the advice of your accountant and other financial advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. You should not rely on any information or advice you obtain on this Site. Any reliance by you on any information or advice will be at your own risk.
Forums
CreditQ.com/Social may act as a venue, through its blogs, messaging, chat rooms, bulletin boards and other forums (collectively, the “Forums”), allowing users of CreditQ.com/Social to contribute information and make statements (“User Generated Content”). CreditQ.com/Social is not involved in the actual transmission of User Generated Content provided in the Forums. As a result, CreditQ.com/Social does not approve of nor endorse any User Generated Content in the Forums; you hereby acknowledge and agree that CreditQ.com/Social has no control over the quality, correctness, timeliness, safety, truth, accuracy or legality of any User Generated Content provided for by you or any other person or entity on this Web site. Please use caution and common sense, and do not rely solely on User Generated Content published in the Forums. Without limiting the generality of the foregoing, and although CreditQ.com/Social does not regularly review or regulate User Generated Content provided in the Forums, CreditQ.com/Social reserves the right, but not the obligation, to remove or edit any User Generated Content in the Forums.
Contests
CreditQ.com/Social may offer promotional contests on the CreditQ.com/Social Web site at its discretion. A contest is any promotion that includes a prize of monetary value and a winner determined on the basis of skill (i.e., through judging based on specific criteria). All contests are voluntary in nature, and each entrant must adhere to the specific eligibility rules governing each contest. See each contests official rules for details.
Guarantees
CreditQ.com/Social does not guarantee and makes no representations as to the accuracy, quality, recentness, validity or authenticity of any content or information generated by 3rd party vendors. All information is subject to change without notice.
Reservation of Rights
Any rights not expressly granted in these Terms of Use are reserved by CreditQ.com/Social and CreditQ.com. We reserves the right to seek all remedies available by law and in equity for any violation of these Terms of Use.
Third Party Sites
CreditQ.com/Social provides site members to construct accounts containing personal and professional profile pages. Due to the general nature of social networking, links to user-generated Web sites operated by other entities are common. If you follow these links to a 3rd party site, you will leave CreditQ.com/Social. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. CreditQ.com/Social makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that CreditQ.com/Social or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of CreditQ.com/Social or any of its affiliates or subsidiaries. CreditQ.com/Social does not endorse or represent any provider listed on this site.
Changes to Terms of Use
CreditQ.com/Social reserves the right—at its sole discretion—to change, modify, add or remove any portion of this Agreement in whole or in part, at any time. Changes in this Agreement will be effective when notice of such change is posted. Your continued use of the Site after any changes to this Agreement are posted will be considered acceptance of those changes.
CreditQ.com/Social may terminate, change, suspend or discontinue any aspect of CreditQ.com/Social, including the availability of any features of the Site, at any time. CreditQ.com/Social may also impose limits on certain features and services or restrict your access to parts or the entire Site without notice or liability. CreditQ.com/Social may terminate the authorization, rights and license given above and, upon such termination; you shall immediately destroy all materials.
Information Provided by You
Any personally identifiable information you may provide to CreditQ.com/Social via this Site is protected by the Privacy Policy associated with this Site. You agree that any information or materials that you or individuals acting on your behalf provide to CreditQ.com/Social will not be considered confidential or proprietary. By providing any such information or materials to CreditQ.com/Social, you grant to CreditQ.com/Social an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such information and materials, and you further agree that CreditQ.com/Social is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to CreditQ.com/Social. You further recognize that CreditQ.com/Social does not want you to, and you warrant that you shall not, provide any information or materials to CreditQ.com/Social that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.
International Users and Choice of Law
This Site is controlled, operated and administered by CreditQ.com from its offices within the United States of America. CreditQ.com makes no representation that materials at this site are appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of U.S. export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws. These Terms and Conditions of use shall be governed by the laws of the State of California, without giving effect to its conflict of laws provisions.
This Agreement constitutes the agreement between CreditQ.com/Social and you, with respect to your use of CreditQ.com/Social. Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.
Limitations of Damages
IN NO EVENT SHALL CreditQ.com OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, EVEN IF CreditQ.com IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
Governing Law
User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. California law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.
Indemnification
You shall defend, indemnify and hold harmless CreditQ.com and CreditQ.com/Social and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys' fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by CreditQ.com and CreditQ.com/Social; (iii) your access or use of CreditQ.com or CreditQ.com/Social; (iv) access or use of CreditQ.com or CreditQ.com/Social under any password that may be issued to you; and/or (v) your transmissions, submissions or postings (i.e., your own User Generated Content).
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