Credito786 Terms and Conditions

Terms of Use

1. Definitions

“Credito786” means and refers to Credito786, LLC and its owners, employees, agents and affiliates as they pertain to the services rendered.

“User” means any person, company, or entity that signs up and pays the required Fee to receive access to his/her case and information contained within the platform, classes, courses, and/or tutorials offered by Credito786 relating to the User’s credit repair or financial improvement.

“Fee(s)” means the amount paid by the User to access and receive the benefit of the Services which may be paid through Credito786’s Website.

“Services” means and refers to the credit restoration services for which User pays and registers with Credito786 in order to dispute negative and derogative factors on the User’s credit history. The Services are provided by Credito786 through its website which is found here: https://www.credito786.com.

“Terms” means and refers to these Terms and Conditions in its entirety, as well as any addendums or additions that are provided to the User by Credito786 when they agree to pay for the Services.

“Client Panel” means and refers to the online website owned and used by Credito786 from which Users will be able to log in to oversee his/her disputes as well as other credit repair materials and any other education that is made available to the User. Such Client Panel can be found here: https://clientes.credito786.com

“Released Parties” means and refers to Credito786, its owners, employees, agents, and affiliates, who are released from any and all Liability as fully explained in Section Nine (9) contained in these Terms.

2. Terms of Use

Credito786, its owners, employees, agents, and affiliates have a mission to provide customers with repairing and maintaining good credit using specific dispute techniques that have been developed by Credito786 throughout extensive research, thoughtful process and years of experience dealing with the Credit Bureaus.

Please read these Terms carefully. These Terms govern your use of the Website, including the web content, products, technology and Services provided by Credito786, and available on its Website. You should read these Terms before accessing the Services as they govern the use of the Services by all persons and entities, including you, the User, and constitute an agreement between you and Credito786. By accessing the Services, you signify that you have read the Terms herein and agree to be bound by them as well as any applicable laws and regulations.

Using, browsing and/or reading the Website and accessing its Services, signify that you have read, understood and agree to be bound by these Terms. If you do not agree with these Terms, you must cease usage of the Website, or any of the Services, immediately. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by Credito786’s Website in the User interface.

Credito786, its owners, employees, and agents reserve the right to review and change any of these Terms by updating this page at their sole discretion. If Credito786, its owners, employees, and agents update the Terms, it will use reasonable endeavors to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.

3. Intellectual Property

The Website, the Services and all of the related products of Credito786 are subject to copyright and all the legal protections offered to intellectual property. The material on the Website and in the Services provided once payment is received is protected by copyright protections under the laws of United States and through international treaties as well as any other legal protection offered to intellectual property. Additionally, except for any third-party content used as part of the Website, the data and materials on the Website, including without limitation text, software, graphics, logos, techniques, strategies, photos, music, videos, and all other audible, visual or downloadable materials, as well as the selection, organization, coordination, compilation and overall look and feel of the Website (collectively, “Credito786 Content”) are the intellectual property of Credito786. Credito786 Content is protected by copyright, trademark and other intellectual property laws and all ownership rights remain with Credito786. We reserve all rights in and to Credito786 Content. Credito786 Content may not be distributed, downloaded, modified, reused, copied, reproduced, transferred, displayed, reposted, transmitted, disseminated, sold, published, broadcast or circulated or otherwise used without the express written permission of Credito786.

Credito786 reserves the right to take any legal or technical remedies to prevent the violation of the Credito786 Terms and to protect the Services, Users and the rights and property of Credito786. If you violate these Terms, any and all permissions previously granted for a specific purpose will automatically terminate and you must immediately destroy any copies you have made of the Credito786 Content.

If you wish to request permission to use any Credito786 Content in a manner otherwise prohibited under these Terms, please contact: info@credito786.com.

Credito786 retains all rights, title and interest in and to the Website, its content and all related Services. Nothing you do, access, pay on or in relation to the Website or the Services will transfer to you any:

1. business name, trading name, domain name, trademark, industrial design, patent, registered design or copyright, or

2. a right to use or exploit a business name, trading name, domain name, trademark or industrial design, or

3. a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process),

You may not, without the prior written permission of Credito786: broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the Services received for any purpose, unless otherwise provided by these Terms.

4. Prohibition Against Recording, Copying, or Distributing

The User agrees that he/she will not record, copy, distribute, steal, or duplicate any materials or information provided to them through the Services. Any information provided through the Services, including but not limited to dispute strategies and techniques, are strictly the property of Credito786 and the Users may not act or hold themselves out to be the owners of said information.

The User further agrees to not reproduce videos or materials contained in the Website in connection with the Services for their own benefit or the benefit of a third party not a User of this Website. Further, the User agrees not to steal or divulge Credito786’s business idea and intellectual property by initiating or starting a company or classes/lessons that are the same or substantially the same as that of the Services provided by Credito786 and that provides people with videos/classes/lessons/other services that teach them the dispute strategies and techniques provided by the Services.

5. Registration to use the Services

In order to access/enroll in the Services, you must first make a payment through the Website and pay the applicable Fee for the selected Services that is listed on the Website. This payment is non-refundable and is required in order to receive the Services. By making the payment and further enrolling with Credito786, you acknowledge and agree that it is your responsibility to provide Credito786 with any and all information necessary to ensure that the Services can be effectuated. Once you make the payment for the Services, you will be enrolled in Credito786 system and may receive email or text confirmations about the enrollment.

As part of the credit restoration process, or as part of your continued use of the Services, you may be required to provide personal information about yourself (such as identification or contact details), including:

1. Email address

2. Preferred Phone Number

3. Mailing Address

You warrant that any information you give Credito786 in the course of completing the registration process will always be legal, accurate, correct and up to date.

Once you have made the payment you become a User of Credito786 and your use of the Website signify that you further agree to be bound by the Terms.

You may not use the Services and may not accept the Terms if:

1. you are not of legal age to form a binding contract with Credito786; or

2. you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.

BEWARE, by enrolling in the Services you give your consent for Credito786 to contact you with certain non-emergency, automated, autodialed, prerecorded, or other telemarketing phone calls or text messages as more specifically defined under the Telephone Consumer Protection Act (TCPA). Additionally, by enrolling in the Services you further authorize Credito786 and its affiliates to contact you a) using the phone or mobile number provided by you at the moment of registration for the Services and/or b) using an automatic telephone dialing system (ATDS) or artificial prerecorded voice.

Nonetheless, you hereby agree and understand that you are not required to grant consent as a condition of receiving the services and that you may revoke your consent at any time by emailing us at info@credito786.com. You also agree and understand that message and data rates may apply when contacted by Credito786 and that you shall immediately update your contact information with Credito786 when it changes from the one originally provided.

6. Children Under the Age of 15

The Services are not directed at children. Children under the age of 15 should not attempt to use or access Services.

7. Your obligations and duties as a User of the Services

As a User, you agree to comply with the following:

 (a) you will use the Services only for purposes that are permitted by:

• the Terms; and
• any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions;

(b) you have the sole responsibility for protecting the confidentiality of your password (if applicable) and/or email address. Use of your password by any other person may result in the immediate cancellation of the Services;

(c) any use of your registration information by any other person, or third parties, is strictly prohibited. You agree to immediately notify Credito786 of any unauthorized use of your password or email address or any breach of security of which you have become aware;

(d) access and use of the Website for the purposes of receiving Credito786’s Services is limited, non-transferable and allows for the sole use of the Website by you;

(e) you will not use the Services or the Website in connection with any commercial endeavors except those that are specifically endorsed or approved by the management of Credito786 by express written consent beforehand;

(f) you will not use the Services or Website for any illegal and/or unauthorized use which includes collecting email addresses of other Users by electronic or other means for the purpose of sending unsolicited email or unauthorized framing of or linking to the Website;

(g) you agree that commercial advertisements, affiliate links, and other forms of solicitation may be removed from the Website without notice and may result in termination of the Services. Appropriate legal action will be taken by Credito786 for any illegal or unauthorized use of the Website; and

(h) you acknowledge and agree that any automated use of the Website or its Services is prohibited.

Furthermore, by using the Services, you agree that you will not encourage, solicit, assist or enable any third party to:

1. Use the Services for any unlawful purpose, including but not limited to conspiring to violate the law;

2. Upload, post, transmit or otherwise make available any content, or engage in communication, that is unlawful, fraudulent, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, sexually explicit, libelous, inappropriate, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable, or that you do not have a right to transmit under any law or under contractual or fiduciary relationships;

3. Create a false or misleading identity for any reason whatsoever, including, but not limited to, impersonating a Credito786 employee, or falsely state or otherwise misrepresent your affiliation with a person or entity, for the purpose of misleading others as to the identity of the sender or the origin of a message or to harvest or otherwise collect information about others;

4. Transmit, email or post any content that contains in any form software viruses or such programs as including, but not limited to, Trojan horses, worms, time bombs, cancel-bots, computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

5. Use the Services in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Services, including but not limited to interfere with or disrupt the Credito786 servers or networks connected to the Websites, or disobey any requirements, procedures, policies or regulations of networks connected to the Websites;

6. Attempt to gain unauthorized access to the Websites, User accounts, computer systems or networks connected to the Services, through password mining or any other means;

7. Attempt to modify, adapt, translate, hack, decompile or reverse engineer any portion of the Services;

8. Register for more than one User account or register for a User account on behalf of an individual other than yourself;

9. Impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity;

10. Use any robot, spider, site search/retrieval application, or other device to retrieve, scrape or index any portion of the Websites, except as expressly authorized by Credito786, provided that, unless otherwise determined by Credito786, the foregoing restrictions generally will not apply to automated processes used solely for indexing and hyperlink purposes by general purpose search engines or for indexing and archiving purposes by non-commercial public archives;

11. Copy any part of the Services without the express permission of Credito786 unless permitted to do so under these Terms, remove any copyright, trademark or other proprietary notices from the Websites or any copy thereof without the express permission of Credito786 or cause, permit or authorize the modification, creation of derivative works, or translation of the Websites without the express permission of Credito786;

12. Reformat or frame any portion of the web pages that are part of the Services;

13. Upload, post or disseminate content that infringes any patent, trademark, trade secret, copyright, rights of privacy or publicity, or other proprietary right of any party or infringes any intellectual property law or any other applicable law;

14. Disseminate, upload or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of such solicitation;

15. Interfere with another User’s use and enjoyment of the Services;

16. Harvest or collect email addresses or other contact information of Users, including Usernames, from the Services by electronic or other means;

17. Sell, lend, lease, trade, rent, barter, sublicense, assign, transfer, or grant rights in any manner to your User account or password, including, without limitation, on or through the use of any third-party web site or service;

18. Take any steps to interfere with or in any manner compromise or circumvent any of Credito786’ privacy or security measures;

19. Allow usage by others in such a way as to violate these Terms or any other applicable agreements or policies in effect from time to time; or

20. Use the Services for any unauthorized purpose or in any manner not expressly permitted by the Terms.

8. Payment(s), Changing Fees & Refunds Policy

In order to receive the Services, you must pay a Fee that varies according to the specifics of each Service you wish to receive. The specific cost to subscribe for each Service is provided upon request to one of our representatives.

Payment to subscribe for the services can be made through the following ways:

1. Debit Card

2. Credit card

3. Apple Pay

In using the Website, the Services or when making any payment in relation to your use of the Services, you warrant that you have read, understood and agree to be bound by the Terms which are available on the Website.

You acknowledge and agree that where a request for the payment of a Fee is returned or denied, for whatever reason, by your financial institution or is unpaid by you for any other reason, then you are liable for any costs, including banking fees and charges, associated with the Fee that was paid or was to be paid for the Services.

You agree and acknowledge that Credito786 can vary the Fee at any time and that any varied Fee will come into effect as soon as it is set. If the User registered for the Services at a specific Fee, Credito786 will honor that specific Fee amount.

A User that first saw, was told about, or otherwise discovered a specific Fee amount for any specific Service listed on the Website, but did not register at that time, cannot ask or demand that Credito786 accommodate them or honor that Fee amount after Credito786 changes the Fee amount for any reason or no reason at all.

Additionally, initial deposits and/or entire amounts paid to receive the Services are non-refundable. Nonetheless, Credito786 reserves the right as its absolute discretion to provide you with a Refund under exceptional circumstances and in a case-by-case basis.

9. Limitations on Liability

In no event will Credito786 be liable in any manner whatsoever for any damages of any kind, including but not limited to direct, indirect, incidental, consequential, special or punitive damages arising out of:

(a) the Services or your access, use or inability to use the Website;

(b) any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure (including loss profits, loss of business or data, business interruption, and damages that result from inaccuracy of the information or inconvenience, delay, or loss of the use of the Services);

(c) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Services,

(d) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the Services by any third party.

Credito786 reserves the right to alter, remove or discontinue any portion of the Services or the content on the Website or to suspend or terminate the Users use in any way, at any time, for any reason, without prior notification, and will not be liable in any way for possible consequences of such changes.

The foregoing limitations apply whether the alleged liability is based on contract, tort, negligence strict liability or any other basis, even if the Released Parties have been advised of the possibility of such damages.

Your only right with respect to any problems or dissatisfaction with the Services is to terminate your User account, if any, and cease use of the Services and the sites.

Notwithstanding any other provision of the Terms, you agree that in no event will Credito786 be liable to you for any action or claim arising from or related to the services, whether based on contract, tort, negligence, or any other theory of liability, in excess of $100 U.S. dollars.

Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, the Released Parties’ liability in such jurisdictions shall be limited to the extent permitted by law.

10. Acceptance of the Terms

You accept the Terms by using and remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by Credito786.

11. Waiver of Jury Trial

THE USER HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE TRANSACTIONS CONTEMPLATED HEREBY.

12. Modification and Termination

Credito786 reserves the right at any time and from time to time to modify, suspend or discontinue, temporarily or permanently, the Services (in whole or in part) with or without notice to you.

Credito786 may terminate your account and may suspend or remove you from the Services without prior notice for any reason or no reason at our sole discretion. You agree that Credito786 will not be liable to you or any third party for any modification, suspension or discontinuance of the Services.

13. Links to Third-Party Websites and Third-Party Transactions

The Website may contain links to websites other than our own. Credito786 has no control over these third-party sites or their content and does not assume responsibility or liability for any content, opinions, materials, or services available on them. Credito786 does not control or endorse the content of any third-party site, nor does Credito786 warrant that a third-party site will be free of computer viruses or other harmful code that can impact your computer or other Web-access device. If you decide to leave the Services Website and access a third-party site or use or install any third-party applications, software or content, you do so at your own risk, and you should be aware that our Terms no longer govern and that we are absolved of any and all liability therein. You should review applicable terms and policies, including privacy and data gathering practices, of any third-party site to which you navigate from the Services, or relating to any applications from a third-party site that you access through the Services.

14. Indemnification

By accepting these Terms, you agree to indemnify and otherwise hold harmless Credito786, its directors, officers, employees, agents, subsidiaries, affiliates and other partners from and against any and all claims, demands, actions, costs, liabilities, losses and damages of any kind (including reasonable attorney’s fees) in connection with:

(a) any claim due to or arising out of your violation of these Terms, including but not limited to a claim arising out of a breach of your representations or warranties made hereunder;

(b) your use of and access to the Websites; or

(c) your violation of any third party right, including without limitation any copyright, property, or privacy right.

Credito786 reserves the right to assume, at its sole expense, the exclusive defense and control of any claim, action or other matter for which you are required to indemnify us, and all negotiations for settlement or compromise thereof, and you agree to fully cooperate with Credito786 in the defense of any such claim, action, settlement or compromise negotiations, as requested by Credito786.

15. Disclaimers

Any new feature, tool or information added to or that enhances the Services will automatically become part of the Services and will be subject to these Terms. In using the Services, you acknowledge and agree that the Services may also include third party advertisements and marketing tools. While Credito786 makes a reasonable effort to provide accurate and useful information to its Users, Credito786 makes no warranties, representations or guaranties as to the accuracy, completeness of quality of any information on the Websites or available through the Services.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR OWN RISK AND THAT THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITH NO WARRANTY. CREDITO786 AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, SUPPLIERS AND THE PARTIES INVOLVED IN CREATING, PRODUCING OR DELIVERING THE SERVICES (THE “RELEASED PARTIES”) EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OR TRADE, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

THE RELEASED PARTIES CANNOT GUARANTEE AND DO NOT PROMISE ANY SPECIFIC RESULTS FROM USE OF THE SERVICES. THE SERVICES MAY INCLUDE INCORRECT OR INACCURATE MATERIALS, WHETHER POSTED BY CREDITO786, ITS USERS, OR RESULTING FROM ANY OF THE EQUIPMENT OR PROGRAMMING ASSOCIATED WITH, OR UTILIZED IN, THE SERVICES. TO THE FULLEST EXTENT PERMITTED BY LAW, THE RELEASED PARTIES DISCLAIM ANY WARRANTIES AS TO THE SECURITY, RELIABILITY, TIMELINESS, ACCURACY, COMPLETENESS AND/OR PERFORMANCE OF THE WEBSITES AND THE SERVICES, AND ANY MATERIALS OR SERVICES AVAILABLE OR OFFERED AT OR THROUGH THE SERVICES.

THE RELEASED PARTIES MAKE NO WARRANTY THAT

(A) THE SERVICES WILL MEET YOUR REQUIREMENTS,

(B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE,

(C) THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE,

(D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED THROUGH THE SITES WILL MEET YOUR EXPECTATIONS,

(E) THE SERVICES AND/OR THE SERVER THAT MAKES SAME AVAILABLE ARE FREE OF VIRUSES, CLOCKS, TIMERS, COUNTERS, WORMS, SOFTWARE LOCKS, DROP DEAD DEVICES, TROJAN-HORSES, ROUTINGS, TRAP DOORS, TIME BOMBS OR ANY OTHER HARMFUL CODES, INSTRUCTIONS, PROGRAMS OR COMPONENTS,

(F) INFORMATION PROVIDED ON OR BY THE SERVICES, CBOS OR OTHER THIRD PARTIES IS ACCURATE OR TIMELY, AND

(G) ANY ERRORS IN THE SERVICES WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU AGREE THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

NO INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CREDITO786 OR THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

FURTHER, AND WITHOUT LIMITING THE GENERALITY OF ANY OF THE FOREGOING, THERE IS NO WARRANTY THAT THE SERVICES WILL MEET YOUR NEEDS OR REQUIREMENTS OR THE NEEDS OR REQUIREMENTS OF ANY OTHER PERSON. SERVICES MAY BE LIMITED BY MANY FACTORS, INCLUDING INHERENT RISKS OF THE INTERNET.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE RELEASED PARTIES’ LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Third party websites that are accessible through the Services may provide warranties and applicable disclaimers in their terms of use and related documents. We encourage you to review their terms of use for more information on their warranties and applicable disclaimers.

16. Venue and Jurisdiction. Applicable Laws

Credito786 makes no representation that materials on the Websites are appropriate or available for use outside the United States, and access to them from territories where its content is illegal or is prohibited. You may not use, export or re-export the Credito786 Content or any copy or adaptation in violation of any applicable laws or regulations including, without limitation, U.S. export law and regulations. If you choose to access the Services from outside the United States, you do so at your own initiative and are responsible for compliance with applicable local laws.

The Terms shall be governed and construed in accordance with the laws of the State of Florida, excluding its conflicts of law rules. You and Credito786 agree to submit to the personal and exclusive jurisdiction of state and federal courts located in Florida. Any action brought forth by the User or Credito786 shall be brought forth exclusively in the courts of Miami-Dade County, Florida.

17. Severability

Both parties confirm and declare that the provisions of the Terms are fair and reasonable and both parties having taken the opportunity to obtain independent legal advice and declare the Terms are not against public policy on the grounds of inequality or bargaining power or general grounds of restraint of trade.

18. Independent Legal Advice

If any part of these Terms is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed, and the rest of the Terms shall remain in force.