InCreditable Advisors, LLC does not provide legal, tax, or investment advice. If you need legal advice, legal expertise, or court filings, you must seek the advice of a licensed attorney. Estimates are based on past experience and settlement performance trends. Individual results may vary. The claims made are examples of past performance and are not intended to be a guarantee of any future settlement results. We do not provide debt settlement services in all states. InCreditable Advisors, LLC uses reasonable care to ensure that the information appearing on this website is up to date and accurate. While InCreditable Advisors takes precautions to prevent the occurrence of errors and omissions, the user of this website should not take the accuracy of the information for granted but should seek individual professional advice that’s relevant to their particular situation and needs.
InCreditable Advisors, LLC is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains the circumstances under which non-public information concerning you and/or your financial circumstances may be disclosed and what InCreditable Advisors, LLC does to keep information about you private and secure. This Policy covers only non-public information that you provide to InCreditable Advisors, LLC or that we obtain about you from your banks, creditors, financial institutions, credit reporting agencies, credit card companies, licensed collection agencies, and any and all other entities and individuals relating to your debts with whom you have authorized us to represent you.
Please read this Policy carefully, keep a copy with your records, and contact us if you have any questions.
Information We Collect
The information we collect about you comes from a number of sources including information we receive from you over the phone or in documents or applications, information about your transactions received from you, your creditors, or credit reporting agencies such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and information we receive from other sources, such as credit bureaus, collection agencies, and other data relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.
Disclosure of Information
We do not disclose any of the information we collect to non third parties. We may disclose information in order to effect or carry out any transaction that you have requested of us or as may be necessary to complete our contractual obligations with you. We may also share your information with service providers we have engaged to perform business operations for us, companies that act on our behalf to market our services, or others, but this will be done only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer my/our information in the event we transfer or sell your account or our business assets to another service provider. We may, however, may disclose your information, as we determine it necessary (or required by law), to your banks, creditors, financial institutions, credit reporting agencies, credit card companies, licensed collection agencies, and any and all other related entities and individuals relating to your debts in order to perform and document the services we have been engaged to provide to you.
We do not share, transfer, or otherwise disclose your personal information to any company or individual unless such disclosure is directly related to carrying out the services you have requested of us, or is otherwise necessary under the circumstances we have described in this Policy.
How We Protect Your Information
We train our employees to rigorously protect all customer information. Employees, agents or contractors working for us are authorized to collect information about you only when necessary to perform the work they are engaged to do to enable us to perform services for you. We maintain physical, electronic and procedural controls that comply with government standards.
This Policy applies to all current and former consumer customers.
The www.creditindy.com Web Site (the “Site”) is an online information service provided by InCreditable Advisors, LLC (“www.creditindy.com “), subject to your compliance with the terms and conditions set forth below. PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE SITE. www.creditindy.com MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT ON THE SITE. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.
1. Copyright, Licenses and Idea Submissions.
The entire contents of the Site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are www.creditindy.com, its affiliates or other third party licensors. YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE SITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to www.creditindy.com a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to www.creditindy.com by all means and in any media now known or hereafter developed. You also grant to www.creditindy.com the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against www.creditindy.com for any alleged or actual infringement or misappropriation of any proprietary right in your communications to www.creditindy.com.
Publications, products, content or services referenced herein or on the Site are the exclusive trademarks or servicemarks of www.creditindy.com. Other product and company names mentioned in the Site may be the trademarks of their respective owners.
2. Use of the Site.
You understand that, except for information, products or services clearly identified as being supplied by www.creditindy.com does not operate, control or endorse any information, products or services on the Internet in any way. Except for www.creditindy.com- identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties, which are not affiliated with www.creditindy.com. You also understand that www.creditindy.com cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.
YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. www.creditindy.com PROVIDES THE SITE AND RELATED INFORMATION “AS IS” AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND www.creditindy.com SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. www.creditindy.com DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.
LIMITATION OF LIABILITY
IN NO EVENT WILL www.creditindy.com BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF www.creditindy.com OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, www.creditindy.com LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
www.creditindy.com makes no representations whatsoever about any other web site which you may access through this one or which may link to this Site. When you access a non-www.creditindy.com web site, please understand that it is independent from www.creditindy.com, and that www.creditindy.com has no control over the content on that web site. In addition, a link to a www.creditindy.com web site does not mean that www.creditindy.com endorses or accepts any responsibility for the content, or the use, of such web site.
You agree to indemnify, defend and hold harmless www.creditindy.com, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.
4. Third Party Rights.
The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of www.creditindy.com and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.
This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.
This Agreement shall all be governed and construed in accordance with the laws of The United States of America applicable to agreements made and to be performed in The United States of America. You agree that any legal action or proceeding between www.creditindy.com and you for any purpose concerning this Agreement or the parties’ obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in The United States of America . Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. www.creditindy.com’s failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. www.creditindy.com may assign its rights and duties under this Agreement to any party at any time without notice to you.
Any rights not expressly granted herein are reserved.