Terms of Use / Disclaimer

Please read the following before responding to any advertisement, information or link at the CREDITMANIA.COM website.

General.
Your use of CREDITMANIA.COM and all information, products and services made available through this Website is at your own risk. You agree that CREDITMANIA.COM will not be liable for any special, indirect, incidental, consequential or punitive damages or any other damages whatsoever arising out of your use or inability to use this Website or any information, products or services of CREDITMANIA.COM, whether based on contractual, statutory, tort or other grounds.

Disclaimer.
CREDITMANIA.COM disclaims any responsibility for any actions taken as a result of the information displayed on any pages of the CREDITMANIA.COM website.

The CREDITMANIA.COM maintainers and contributors disclaim all liability to you for damages, costs and expenses, including legal fees, nor can you hold them liable in any way for any information and/or data made available, or omitted, from information distributed through this server. All of the material may - or may not - have been checked for accuracy or completeness or its ability to offend some individuals. All material is supplied "AS IS" without warranty of quality or accuracy of any kind. The entire risk as to the quality and/or accuracy of the information on this server is with you. Should any such material, information, etc prove to offend you or be inaccurate or is in any way defective, you (and not the server owners, maintainers, or any contributors) assume the risk of viewing or relying on such material, including any consequential damages. Under no circumstances will the server owners, maintainers, or any contributors be liable for any damages from your viewing or reliance upon anything derived from this service even if the service maintainers have been advised that such defect or unsuitability exists.

YOU HAVE NO REMEDIES FOR NEGLIGENCE OR UNDER STRICT LIABILITY, OR FOR BREACH OF WARRANTY OR CONTRACT, INCLUDING BUT NOT LIMITED TO INDIRECT, CONSEQUENTIAL, PUNITIVE OR INCIDENTAL DAMAGES, EVEN IF YOU GIVE NOTICE OF THE POSSIBILITY OF SUCH DAMAGES.

By your use of this server, you agree to hold harmless the server maintainers and its contributors against ANY AND ALL CLAIMS arising out of said use, regardless of the cause, effects, or fault.

By viewing files on this server I am Agreeing to the above terms. These files are provided FOR INFORMATION ONLY

Copyright.
The CREDITMANIA.COM service is copyrighted © 1999 by CreditMania.com, Inc., and all rights are reserved. All programs, publications, services, processes, designs, software, technologies, trademarks, trade names, inventions and materials comprising CREDITMANIA.COM are owned by CREDITMANIA.COM and/or third parties. The information contained in this service and the associated databases were developed by CREDITMANIA.COM through research and have been compiled and organized by CREDITMANIA.COM and may not be extracted in any combination, however limited, for the purpose of creating or adding to another database. No part of this information service may be captured and reproduced in any form or by any means for the purpose of distributing the information to other parties without permission in writing from CREDITMANIA.COM, INC.

CREDITMANIA.COM logo, product names and all page headers, footers and icons are trademarks or registered trademarks of CREDITMANIA.COM, INC. All other product names mentioned herein are the trademarks of their respective owners.

No advice.
CREDITMANIA.COM, INC. provides the CREDITMANIA.COM services with the understanding that CREDITMANIA.COM is not rendering opinions, financial or otherwise on advertised items or services. If you are seeking legal advice through the use of our website, including its chatrooms and or discussion groups, be aware that advice or suggestions found therein are not considered legal in any form. In most cases, CREDITMANIA.COM recommends you seek legal assistance in the local jurisdiction you reside.

Certain hyperlinks found in the CREDITMANIA.COM Website lead to resources maintained by third parties over which CREDITMANIA.COM has no control. CREDITMANIA.COM makes no representations or warranties as to the accuracy of, or any other aspect relating to those resources.

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We care about your on-line experience and your privacy. To protect your privacy, CreditMania.com, Inc. has instituted policies that give you information and control.

CreditMania.com, Inc.:
1. provides a link to this Privacy Statement on all pages that ask for personal information 
2. will not release personal identifying information about you without first obtaining consent 
3. will not knowingly collect or use personal identifying information from children younger than 13 without parental consent

This privacy statement discloses our practices for the gathering and use of information from visitors to our Web sites and from people who register for services that we offer online.

We may use your IP address to:
1. help diagnose problems with our server 
2. administer our Web site 
3. help identify you and 
4. gather broad, anonymous demographic information.

Our site may use cookies to:
1. keep track of your browsing experience 
2. make sure you don't see the same ad repeatedly 
3. deliver content specific to your interests 
4. save your password so you don't have to re-enter it each time you visit our site, 
5. and for statistical purposes.

Our site's various registration forms requires users to give us contact information (such as their name and email address) and demographic information (such as their zip code, age, or income level). We may use customer contact information from the registration form to:
1. send you information about our company and promotional material from some of our partners and 
2. contact you when necessary

You may opt-out of receiving future mailings; see the choice/opt-out section below.
We may use demographic and customer profile information to tailor the visitors' experience at our site, showing them content that we think might interest them and displaying the content according to their preferences. We share this information with advertisers only on an aggregate, anonymous basis and not on an individual basis.
 
This site contains links to other sites. CreditMania.com, Inc. is not responsible for the privacy practices or the content of Web sites to which we link. 
We have special business relationships with some companies, but none of them receive individual identifying information about you collected at our sites. 

This site may make chat rooms, forums, message boards, and/or news groups available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.
 
This site has security measures in place to protect the loss, misuse and alteration of the information under our control. We use secure servers with encryption for certain transactions and confidential data. We maintain a firewall to protect data within our local area network. You can report network abuse and any risk of security violations to us by emailing abuse@creditmania.com. 

This site gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service. 
You can remove identifying information from our database and elect not to receive future communications by emailing us at unsubscribe@creditmania.com. We give users the option to change information previously provided by sending a request to changeinfo@creditmania.com. 

If you have any questions about this privacy statement, our online practices, or your dealings with our Web sites, you can contact: 

CreditMania.com, Inc., Inc.
12000 Swallow Drive
Austin, Texas 78750
Phone: 888-721-6050
support@creditmania.com

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