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Limited License. Subject to the terms and conditions set forth herein, credit.org grants you a non-exclusive, non-transferable, limited right to access, use, cache and display this site and the materials therein. You agree not to interrupt or attempt to interrupt the operation of the site in any way. Credit.org authorizes you to view and download the information (“Materials”) from this web site only for your personal, non-commercial use. This authorization is not a transfer of title in the Materials, nor does credit.org grant any express or implied right to you under any patents, trademarks, copyrights, or trade secret information.  Copies of the Materials are subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, any copyright and other proprietary notices contained in the Materials: 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; 3) you may not use any images or text in any fashion, including, but not limited to use on other web sites. You agree to abide by all additional restrictions displayed on the web site as it may be updated from time to time. This web site, including all Materials, is protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws in your use of this web site and to prevent any unauthorized copying of the Materials.

Disclaimer. THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. CREDIT.ORG DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. CREDIT.ORG RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. CREDIT.ORG MAY MAKE ANY OTHER CHANGES TO THE SITE MATERIALS, PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THE INFORMATION PROVIDED USING THIS SITE IS ONLY INTENDED FOR ILLUSTRATIVE PURPOSES. IF YOU WANT MORE INFORMATION OR HAVE QUESTIONS ABOUT HOW LEGAL MATTERS, FINANCIAL MATTERS OR HOW INVESTMENTS MAY AFFECT YOU, YOU SHOULD SEEK ADVICE FROM AN ATTORNEY, CERTIFIED PUBLIC ACCOUNTANT, OR LICENSED PROFESSIONAL. THE INFORMATION YOU OBTAIN USING THIS SITE IS NOT INTENDED TO BE, LEGAL, TAX OR FINANCIAL ADVICE.

Third Party Sites. As a convenience to you, credit.org may provide, on this web site, links to web sites operated by other entities. 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. Credit.org 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 credit.org or this web 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 credit.org or any of its affiliates or subsidiaries.

Limitations of Damages. IN NO EVENT SHALL CREDIT.ORG 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) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE OR ANY LINKED WEB SITE, EVEN IF CREDIT.ORG IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Changes. Credit.org reserves the right, at its sole discretion, to change, modify, add or remove any portion of the web site, in whole or in part, at any time. Changes herein will be effective when notice of such change is posted. Your continued use of the web site after any changes are posted will be considered acceptance of those changes. Credit.org may also impose limits on certain features and services or restrict your access to parts or the entire web site without notice or liability.

International Users and Choice of Law. This web site is controlled, operated and administered by credit.org from its offices within the United States. Credit.org makes no representation that materials at this web site are appropriate or available for use at other locations outside of the United States. The laws of the State of California shall govern these Terms of Use without giving effect to its conflict of laws provisions.

This agreement constitutes the entire agreement between credit.org and you with respect to your use of any credit.org web site. Any cause of action you may have with respect to your use of the web site must be commenced within one (1) year after the claim or cause of action arises, excluding claims that may be brought under 11 U.S.C. 111(g)(2). If, for any reason, a court of competent jurisdiction finds any provision of this agreement or portion thereof to be unenforceable, the provision shall be enforced to the maximum extent permissible so as to effect the intent of the agreement, and the remainder of this agreement shall continue in full force and effect.

Copyright 2016 credit.org, Riverside California, USA.  All rights reserved. Credit.org® and other trademarks, trade names and marks of credit.org products and/or services are trademarks of credit.org and its Licensors or Licensees. Other products and company names may be the trademarks of their respective owners.

Last Revised: 06/6/2016

*Approval by the EOUST to issue bankruptcy certificates evidences completion of a budget and credit counseling and debtor education course in compliance with the Bankruptcy Code. EOUST approval does not endorse or assure the quality of an Agency’s service.
**The EOUST has reviewed only the Agency’s counseling/instructional services and no other services the Agency may provide [28 C.F.R. section 58.20(l)(11)]. Click here to view the states Credit.org is approved to issue certificates in compliance with the Bankruptcy Code.