We take your privacy seriously. Please read the following to learn more about our privacy policy. This policy covers how we treat personal information that we collect and receive, including information related to your past use of our products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
1. Information Collection and Use
General: We collect personal information when you use our products or services. When you register we ask for information such as your name, address, email address, zip code and telephone number. We use your information for the following general purposes: to fulfill your requests for products and services, to improve our service and to contact you.
2. Information Sharing and Disclosure
We do not rent, sell or share personal information about you with other people or nonaffiliated companies except under the following circumstances: We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims; We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our terms of use, or as otherwise required by law. We transfer information about you if we are acquired by or merged with another company. In this event, we will attempt to notify you before information about you is transferred and becomes subject to a different privacy policy.
3. Communication Rights
We reserve the right to send you certain communications relating to our service, such as service
announcements and administrative messages.
4. Confidentiality and Security
We limit access to personal information about you to employees whom we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
5. Changes to this privacy policy
We may update this policy at any time without prior notice.
Questions and Suggestions
If you have any questions or suggestions, please contact us at:
1. Access
You agree to abide by any policies posted on our website. You agree to comply with all applicable laws regarding your access to our site. You must be at least eighteen (18) years old to register for the services provided in the Website. In consideration of use of our services, you agree to provide true, accurate, current and complete information about yourself as prompted by forms on the website. If any information provided by you is untrue, inaccurate, not current or incomplete, RefinancingAdvice.com retains the right to terminate your account and refuse any and all current or future use of the services.
2. No Warranties; Limits on Liabilities
YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE AND THE INTERNET. You are solely responsible for your content. You may use RefinancingAdvice.com only for legal purposes. You agree not to impersonate any other person or entity, whether actual or fictitious. You may print and download portions of material from the different areas of the Website solely for your own noncommercial use.
Limitation of Liability
IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES, EMPLOYEES OR OUR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH OUR WEB SITE, OUR SERVICE, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE).
3. Third Party Providers
Our site may contain links that provide access to services provided by others. These links are provided solely as a convenience to you and not as an endorsement by us of the content of such other web sites. WHEN YOU ACCESS ANY OF THESE SERVICES, YOUR RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE AGREEMENTS AND POLICIES RELATING TO THE USE OF SUCH SERVICES.
4. Indemnification
You agree to indemnify, defend and hold harmless RefinancingAdvice.com, its parent companies, subsidiaries, affiliates, and any officers, directors, employees, consultants, and agents of any of them from any and all third party claims, liabilities, damages and/or costs (including, but not limited to, reasonable attorneys' fees) arising from your use of services provided by RefinancingAdvice.com, your violation of this Agreement or your infringement, or infringement by any other user of your account, of any intellectual property right or other right of any person or entity. The Agreement will inure to the benefit of this website and its successors, assigns and licensees.
5. Choice of Law, Jurisdiction, and Venue
This Agreement shall be governed in all respects by the laws of the State of Texas. Both you and RefinancingAdvice.com submit to the exclusive personal jurisdiction of the State of Texas and further agree that any cause of action arising under this Agreement shall be brought in a court in Denton County, Texas.
Arbitration
For any Claim, you agree to resolve the dispute through binding arbitration conducted by telephone, on-line, and/or based solely upon written submissions where no in-person appearance is required. In such cases, the arbitration shall be administered by the American Arbitration Association in accordance with their applicable rules. Any judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
6. Severability
If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced and remain in full force and effect.
7. Waiver
The failure of either party to insist upon or enforce strict performance by the other party of any provision of the Agreement or to exercise any right under the Agreement will not be construed as a waiver or relinquishment to any extent of such party's right to assert or rely upon any such provision or right in that or any other instance.
8. Trademarks and Copyrights
RefinancingAdvice.com and all related logos, products and services described in this website are either trademarks or registered trademarks and/or copyrights of Dr. Randall S. Guttery, or its licensors, and (aside from the circumstances described below) may not be copied, imitated or used, in whole or in part, without the prior written permission of Dr. Guttery. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Dr. Guttery and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Dr. Guttery. You agree to abide by all World Intellectual Property Organization (www.wipo.org) rules and stipulations.
Notwithstanding the above, HTML logos provided by RefinancingAdvice.com ("Logos") may be used without prior written consent for the purpose of directing web traffic to the Service. These Logos may not be altered, modified, or changed in any way, or used in a manner that is disparaging to RefinancingAdvice.com or the Service. Logos may not be displayed in any manner that implies sponsorship or endorsement by RefinancingAdvice.com. No partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by this Agreement.
9. Access and Interference
Our web site contains robot exclusion headers and you agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to bypass our robot exclusion headers, or to interfere or attempt to interfere with the proper working of the RefinancingAdvice.com site or any activities conducted on our site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. Much of the information on our site is proprietary or is licensed. You agree that you will not copy, reproduce, alter, modify, create derivative works, publicly display or frame any content (except for Your Information) from our web site without the prior expressed written permission of RefinancingAdvice.com or the appropriate third party. If you use, or attempt to use the Service for purposes other than sending and receiving information, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution where available.
10. Entire Agreement
This Agreement (including all Addendum and the Privacy Policy) sets forth the entire understanding and agreement between the parties with respect to the subject matter herein, and supersedes all prior agreements and understandings.
11. Fees
RefinancingAdvice.com reserves the right to charge fees.
12. Amendments
RefinancingAdvice.com reserves the right to unilaterally amend this Agreement at any time without prior notice.
13. Electronic Communications
You agree that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Service ("Communications"), may be provided to you electronically and you agree to receive all Communications from RefinancingAdvice.com in electronic form. Electronic Communications may be posted on the pages within the RefinancingAdvice.com website and/or delivered to your e-mail address. You may print a copy of any Communications and retain it for your records. All Communications in either electronic or paper format will be considered to be in "writing," and to have been received no later than three (3) business days after posting or dissemination, whether or not you have received or retrieved the Communication. RefinancingAdvice.com reserves the right but assumes no obligation to provide Communications in paper format.
ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED BY REFINANCINGADVICE.COM
