THE CREDIT BRAINS

TERMS AND CONDITIONS OF USE

Welcome The Credit Brains Terms and Conditions of Use Agreement (the “Terms”) for our website, which is available at www.thecreditbrains.com (the “site”), proudly provided to you by The Credit Brains LLC.

These terms and Conditions of Use aims to inform you about the rules that govern your access to and use of our website and related services. Please ensure to carefully go through these terms before you start to use the website. By using the Credit Brains website (“site”) you accept to be bound by the terms and if you acquire services using the website you agree to be bound by the terms and conditions guiding the provision of those services, unless otherwise agreed in writing between you and The Credit Brains.  If you do not agree to the terms and conditions of this Agreement, you are advised to discontinue your use of this Website.

These terms will also include any additional guidelines, policies and regulations made available to us from time to time. (The terms “we”, “us” and “ours” refer to The Credit Brains LLC).

This site may contain general information as regards credit repairs and related topics. Be advised that these contents are for information purposes only and it should be noted that this does not translate to being any specific professional advice nor should it be construed as such. Whilst we at The Credit Brains uses every effort to ensure that the content on our site is accurate and up to date, nothing on this site should be taken as a professional advice. We at The Credit Brains shall not take responsibility for actions or otherwise taken based on the information contained herein.

OWNERSHIP

All rights to this Web Site, the content, information herein and other services and materials made available on this Web Site, including software application, copyright information and proprietary notices that may be provided, (collectively the “Materials”) are proprietary to The Credit Brains and are protected by worldwide copyright laws as well as other intellectual property laws. All rights not expressly granted under these Terms and Conditions of Use are retained by The Credit Brains.

ABOUT OUR SERVICES AND ACTIVITIES

The Credit Brains Credit repair and consultation programs and services are not intended to be used as a method of defrauding banks, creditors, or any other Organization that requires your Social Security Number as a means of identification. Our program and services are not in any way helping you to avoid paying any existing or future debts and we shall not in any way support, promote or condone any fraudulent activity.

Consequently, The Credit Brains Will not engage in any prohibited business activities such as:

  1. Representing, expressly or by implication, that through the use of our services, consumers can alter their identifying information to conceal adverse credit information from consumers credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers (EINs), Taxpayer Identification Numbers (TINs), or alternative Social Security Numbers in lieu of the consumers own Social Security Numbers;
  2. Misrepresenting any material fact concerning our services to perform or provide any credit-related function for consumers, including but not limited to improving consumers credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit;
  • Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumers own Social Security Number is legal;
  1. Misrepresenting any fact material to a consumer’s decision to purchase our services.

LICENSE TO USE WEBSITE

Binding by this Agreement, you agree to abide by the granted access in exploring and accessing information from this website. Unless otherwise stated, Credit Brains own the intellectual property rights herein this website and services provided on the website. Subject to the license below, all the intellectual property rights are reserved. You may download or print out on a single computer for your non-commercial internal use only, unless specifically licensed to do otherwise by Credit Brains in writing or as allowed by any license terms which accompany or are provided with individual Materials. The above notwithstanding, if you are a commercial user of Credit Brains products you may print out and use a reasonable number of copies of Materials related to those specific Credit Brains services solely in connection with your authorized use of such service.

OBLIGATIONS AND CONDUCT WHEN USING THE SITE

This website contains proprietary notices and copyright information, and by consenting to use this website, you agree to observe and abide by the following.

By using this website, you assume full responsibility for the protection of your computer system including but not limited to your computer software and hardware, stored data on your computer system and the stored data and computer systems included hardware and software of third parties who may access or be otherwise connected to your computer systems.

You will assume the responsibility of ensuring that programs or other data downloaded or otherwise received from this website are free from Viruses, Worms, Trojan horses or other items of a destructive nature.

As a user of this web site and the service provided by Credit Brains, you are hereby granted a nontransferable, nonexclusive, revocable, limited license in order to access this web site and is subject to the following restrictions:

You may not:

(a) modify or edit the Materials or use them for any public performance, display, sale, rental, or for any commercial purpose except as otherwise authorized above;

(b) reverse engineer, manually extract, or disassemble software Materials or create derivative works from the website or services provided by Credit Brains except and only to the extent permitted by applicable law;

(c) remove any copyright or other proprietary notices from the Materials;

(d) determine the Web Site architecture nor extract information or data about individual identities, usage of the Web Site or other activities via the use of any network monitoring software or as may be otherwise applicable.

(e) transmit or upload any form of computer virus, defect, malicious codes, Trojan horse, worm or any other item capable of causing harm onto the Web Site,

(f) try to gain access to unauthorized information.

TERMINATION OF THIS LICENSE

In the event that you violate any of the Terms and conditions of Use herein, your authorization to use this Web Site shall be automatically terminated and you must immediately discontinue your use of the Web Site and destroy any downloaded or printed Materials obtained from the Web Site.

SERVICES

Credit Brains’ obligations with respect to its services are governed solely by the terms and conditions and Service Agreements under which they are provided. For example, if you make use of the service from this Site, use of the service shall be governed by the provisions of the Service Agreement and other applicable agreements that accompanies or is provided with the service.

RESTRICTED AREAS AND ACCESS

Certain services available through this Web Site may be accessed from the restricted areas only. Access to and use of any such service from a restricted area is restricted to authorized users only who have duly registered and have created an account with Credit Brains LLC on the Credit Brains website for use thereof. It is therefore expected that you ensure that your user Account ID and password are kept confidential in order to protect against unauthorized access and unauthorized activities on your Credit Brains account.

PRICING AND DISCOUNTS

Credit Brains may change the pricing and discounts of its Services (“Pricing or Discount Change”) in its sole discretion and at any time. Any Pricing or Discount Change will become effective immediately, unless stated otherwise.

Most of the time, Services booked before the time of the Pricing or Discount Change (“Existing Services”) will retain the original pricing as long as no modifications are made to the Existing Services. Any modifications to the Existing Services will void the original pricing of the Existing Services and the price of the Existing Services will be subjected to the Pricing or Discount Change.

In the case that Existing Services are not modified but are nonetheless subject to a Pricing or Discount Change, Credit Brains will send an email advising the client of the Pricing or Discount Change. Failure to receive or save an email announcing the Pricing or Discount Change will not invalidate that Pricing or Discount Change.

Your continued use of the Services after the Pricing or Discount Change comes into effect constitutes your agreement to pay the price modified by the Pricing or Discount Change.

ACCEPTABLE PAYMENT METHODS

The following are the methods of payment accepted by Credit Brains Services

  • credit or debit card
  • com
  • PayPal
  • Venmo
  • Apple Pay
  • Zelle
  • Google Pay

For credit card payment, Client can ring Credit Brains Services and provide the credit card. Alternatively, Client can pay online through Credit Brains Services website.

USER GENERATED CONTENTS

In these terms and conditions of use, “User Generated Content” means any material (including without limitation to text, video material, audio material, and audio-visual material, feedbacks, suggestions) that you upload/submit to this Web Site for review by the public, by Credit Brains or for whatever purpose.

Please be aware that user generated contents shall be considered non-confidential and non-proprietary; and that by posting, inputting, uploading, sharing, providing or otherwise submitting any user communications to this website you understand and agree that you grant Credit Brains a worldwide, non-exclusive, irrevocable, royalty-free license to reproduce, use, publish, distribute and translate such user generated content in any existing or future media.

You also grant Credit Brains the right to sub-license these rights, and the right to bring an action for infringement of these rights.

You warrant and represent that you own or otherwise control all of the rights to the contents that you provide onto the web site and that such content must not be unlawful, illegal, must not infringe on any third party legal rights, and must not have the capacity of bringing about any legal action; whether against you or Credit Brains.

Credit Brains shall have no obligation to monitor the contents provided by the website users, nor shall Credit Brains have an obligation to remove any User Generated content that you have opted to input and share on the Credit Brains website. However, Credit Brains has the exclusive right to review any material posted to the website and to remove any materials in its sole discretion.

Credit Brains reserves the right at all times to disclose any information as Credit Brains deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any User Communications or other materials, in whole or in part, in Credit Brains’ sole discretion.

Credit Brains does not control or endorse the content, messages or information found in any User Generated section and, therefore, Credit Brains specifically disclaims any liability with regard to them and any actions resulting what you do with any of such content.

LINKS TO THIRD PARTY WEBSITE(S)

Credit Brains makes no endorsement or representations as to the security, accuracy, quality or property of any website which may be accessed through this website via links that may be provided on this website. Connected websites accessed through this site are owned and operated by third parties over which Credit Brains does not exercise any control, whether editorial, legal or of any other kind and are not in any way endorsed by Credit Brains.

GENERAL DISCLAIMER AND LIMITATION OF LIABILITY

Although Credit Brains has attempted to provide accurate information on this Site, Credit Brains assumes no responsibility for the validity, accuracy and usefulness of the information or Materials; nor does Credit Brains warrant that the information or Materials are up to date; or that this Web Site shall be available at any particular time or in any given location; that any defects or errors will be corrected; or that the Materials are free of viruses or other harmful components. Your use of this Web Site is at your sole risk. Credit Brains may change the Materials or products mentioned at any time without notice.

ALL INFORMATION AND MATERIALS PROVIDED ON THIS WEB SITE ARE PROVIDED “AS IS” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTIBLITY, SATISFACTORY QUALITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR A PARTICULAR PURPOSE.

IN NO EVENT SHALL CREDIT BRAINS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR REVENUES, BUSINESS INTERRUPTION, COSTS OF REPLACEMENT GOODS, LOSS OR DAMAGE TO DATA ARISING OUT OF THE USE OR INABILITY TO USE THIS SITE OR ANY CREDIT BRAINS PRODUCT OR SERVICE, DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENT, EVEN IF CREDIT BRAINS HAVEVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION

UPON A REQUEST BY CREDIT BRAINS, YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS CREDIT BRAINS AND ITS AFFILIATES, AGENTS, OR OTHER BUSINESS PARTNERS, AND ITS AND THEIR EMPLOYEES, CONTRACTORS, OFFICERS, AND DIRECTORS FROM ALL LIABILITIES, CLAIMS, AND EXPENSES, INCLUDING ATTORNEY’S FEES, THAT ARISE FROM YOUR USE OR MISUSE OF THIS SITE. CREDIT BRAINS RESERVES THE RIGHT, AT IT OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU AGREE TO COOPERATE WITH CREDIT BRAINS IN ASSERTING ANY AVAILABLE DEFENSES.

CHOICE OF LAW

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Atlanta and applicable United States federal law, without reference to “conflicts of laws” provisions or principles.

GENERAL PROVISIONS

Except as otherwise specified herein, these Terms and Conditions of Use constitute the entire agreement between you and Credit Brains with respect to your use of this Web Site and supersedes all prior communications and proposals (whether oral, written, or electronic) between you and Credit Brains with respect to use of this Web Site. Any rights not otherwise expressly granted by this Agreement are reserved by Credit Brains.

The failure of Credit Brains to exercise or enforce any right or provision of the Terms and Conditions of Use shall not constitute a waiver of such right or provision.

If any part of these Terms and Conditions of Use is held invalid or unenforceable, by a court of competent jurisdiction, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

CHANGE IN POLICY

Please note that Credit Brains reserves the right to update and change these Terms and Conditions of Use from time to time at its sole discretion. Please check the Terms and Conditions of Use periodically for changes. Your continued use of this Web Site following the posting of any changes to the Terms and Conditions of Use will confirm your acceptance of those changes. In the case of any violation of these Terms and Conditions of Use, Credit Brains reserves the right to seek all remedies available in law and equity for such violations.