1. Your information is safe and secure with My Credit Approve

This Website Terms of Use Agreement ("Website Terms") is between you and My Credit Approve, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) ("My Credit Approve," "we" or "us"), with a principal place of business at 600 Stewart Street, Suite 1100, Seattle, WA 98101. Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the "Website"), your engagement of My Credit Approve's services, your request that My Credit Approve contact you about its credit repair services, and/or your participation in My Credit Approve's Text Message Program. My Credit Approve's "Text Message Program" includes sending text message(s) to My Credit Approve and/or receiving text message(s) from My Credit Approve.

BY USING THE WEBSITE, ENGAGING My Credit Approve'S SERVICES, REQUESTING THAT My Credit Approve CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN My Credit Approve'S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

My Credit Approve's Privacy Policy applies to your use of My Credit Approve's website, all services provided by us, your request that My Credit Approve contact you about its credit repair services, and/or your participation in My Credit Approve's Text Message Program, and its terms are made a part of the Website Terms. To view My Credit Approve's Privacy Policy, click here. By using My Credit Approve's website, engaging our services, requesting that My Credit Approve contact you about its credit repair services, and/or participating in My Credit Approve's Text Message Program, you acknowledge you have reviewed My Credit Approve's privacy policy and agree to its terms.

BY USING MY CREDIT APPOROVE'S WEBSITE, ENGAGING MY CREDIT APPOROVE'S SERVICES, REQUESTING THAT MY CREDIT APPOROVE CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN MY CREDIT APPOROVE'S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND Credit MY CREDIT APPOROVE INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND MY CREDIT APPOROVE, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OF FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH MY CREDIT APPOROVE. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST MY CREDIT APPOROVE IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST MY CREDIT APPOROVE IN ANY JURISDICTION IN THE UNITED STATES. MY CREDIT APPOROVE WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have authority to interpret the Website Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Website Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator's jurisdiction, and the enforceability of the Website Terms. You agree that the Website Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the state of Utah, as provided in Section 17 below.

2. ABOUT THE WEBSITE TERMS

The Website is a service made available by My Credit Approve. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using My Credit Approve's services, rescind your request that My Credit Approve contact you about its credit repair services, and/or discontinue your participation in My Credit Approve's Text Message Program before the changes take effect. Your continued use of the Website, use of My Credit Approve's services, request that My Credit Approve contact you about its credit repair services, and/or participation in My Credit Approve's Text Message Program after any such changes take effect constitutes your acceptance to such changes. Each time you visit or log in to the Website, continue using My Credit Approve's services, continue your request that My Credit Approve contact you about its credit repair services, and/or participate in My Credit Approve's Text Message Program, you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms, by clicking on the "Terms of Use" link at www.My Credit Approve. The Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website and, together with the Website Terms, govern your use of those areas, content, or transactions.

3. ABOUT THE WEBSITE

The Website gives users information about My Credit Approve's credit repair services, general educational and informational resources about credit, and the ability to sign up for and engage My Credit Approve's services.

4. SIGNING UP FOR MY CREDIT APPOROVE'S SERVICES

You are not required to sign up for My Credit Approve's services in order to visit and read material on the Website; however, you will need to sign up if you want it to assist you in your efforts to improve your credit reports and rating. If you do so, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to that information. Each sign-up is for a single person only. We do not permit any other person to enroll in My Credit Approve's services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify My Credit Approve immediately by emailing memberservices@My Credit Approve.

5. OWNERSHIP

The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the "Content") that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by My Credit Approve or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, My Credit Approve retains all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the "Technology")(the terms Content and Technology collectively will be referred to as the "Materials"). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

6. USE OF WEBSITE AND MATERIALS

My Credit Approve provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited. You may not, either directly or indirectly: Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Website or Materials without the express written permission of My Credit Approve or the applicable rights holder; Use the Materials for telemarketing, direct marketing, and commercial mass e-mail or by agents or representatives or e-mail spammers; Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributes or copyright notices; Use any network monitoring or discovery software to determine Website architecture, or extract information about usage or users; Reformat or frame any portion of the Website or Materials; Use any device, software or routine that interferes with the proper working of the Website, or otherwise attempt to interfere with the proper working of the Website; Take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; Violate the Website Terms, applicable law or the rights of others; or Disrupt or interfere with the security of, or otherwise cause harm to, the Website.

Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose, or to transmit to or through the Website or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the Website or Materials.

Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the Website if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.

7. LICENSE

By using the Website, uploading content to or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) My Credit Approve a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.

8. AUTOMATED ACTIVITY

The Website may use robot exclusion methods, which include robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real time basis and is proprietary or is licensed to My Credit Approve by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Website for any purpose, including but not limited to performing "offline" searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML meta tags on the Website. Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Website.

9. LINKING

You may provide links only to the homepage of this Website, provided (a) you do not remove or obscure, by framing or otherwise, any portion of the homepage, (b) you give My Credit Approve notice of such link by sending an e-mail to contact@My Credit Approve and (c) you discontinue providing links to this Website if requested by My Credit Approve. If you wish to provide links to a section within the Website, you should forward your request to My Credit Approve at contact@My Credit Approve and My Credit Approve will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission.

10. REPRESENTATIONS

You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the Website Terms and applicable law and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.

11. DISCLAIMER

My Credit Approve makes every effort to ensure the information presented in, on or through its Website is accurate; however, My Credit Approve makes no guarantee as to such information, and is not responsible for any resulting loss or damage.

12. WARRANTY, LIABILITY, INDEMNIFICATION

My Credit Approve makes no representations regarding the availability and performance of its Website. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that My Credit Approve shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use. THE WEBSITE AND MATERIALS ARE PROVIDED BY My Credit Approve ON AN "AS IS" BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. My Credit Approve EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE. IN NO EVENT SHALL MY CREDIT APPOROVE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. MY CREDIT APPOROVE SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states liability is limited to the fullest extent permitted by law. MY CREDIT APPOROVE DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE FREE OF VIRUSES, "WORMS", "TROJAN HORSES", OR THEIR HARMFUL COMPONENTS. MY CREDIT APPOROVE'S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY MY CREDIT APPOROVE SHALL BE CANCELLATION OF YOUR ACCOUNT.