Last Updated July 27, 2020
Access to Site
Company also reserves the right, at any time, to modify or discontinue, temporarily or permanently, the Site (including any information or service offered therein) without notice. You agree that Company shall not be liable to You (or any third party or party acting on Your behalf) for any modification, suspension, or discontinuance of the Site or its services.
Intellectual Property & Proprietary Rights
Materials published by Company on the Site may contain proprietary notices, information, products or services owned by Company, its affiliates, its licensors and/or third parties. Nothing contained herein shall be construed as granting to the user a license under any copyright, trademark, patent or other intellectual property right of Company or any third party. Company will not be responsible for any third-party material.
The information contained on this Site is proprietary to Company and its providers and You hereby acknowledge and agree that Company and/or its providers own all legal right, title and interest in and to the information contained herein. Except as expressly authorized by Company, You shall not copy, distribute, transmit, display, perform or create derivative works of the Site or its information, provided that, subject to Your compliance with this Agreement, Company grants You a limited, personal, revocable, non-transferable and non-sub-licensable license to: (a) access the Site via the Internet solely for purposes of viewing such materials, and (b) print or save Site information for Your personal, non-commercial use. You may not provide this Site to third parties by way of sale, lease, license, assignment, file transfer, networking or other form of acquisition without the prior written consent of Company.
All Company names, logos, service marks and designs are the marks or trademarks of Company, its affiliates, or third parties. Nothing contained herein shall be construed as granting (by implication, estoppel or otherwise) to the user of this Site any consent, waiver, license, or right to use, any copyright, trademark, service mark, patent or other intellectual property or other legal right of Company or any third party.
Privacy and Security
Although Company strives to protect the personal information of Site users, You acknowledge and agree that there are security and privacy limitations beyond Company’s control. The security, integrity, and privacy of internet transmissions and information exchanged between Company and Site users cannot be fully guaranteed; You understand such transmissions and information may be intercepted, viewed, or tampered with in transit by a third party, even if encrypted.
Consent to Monitoring and Disclosure
In order to access certain features or Services offered on or through the Site, You may be required to create and access an account by entering a username and password. You shall hold Your username and password in strict confidence and take reasonable efforts to keep Your account information secure and confidential. Company is not liable for any losses arising from your failure to do so. Any activity that occurs within Your account as a result of Your failure to keep Your account information secure and confidential is Your responsibility, and You may be held liable for any loss incurred by Company or otherwise attributable to such failure, including unauthorized access to Your account. In the event You determine that the confidentiality of Your password or username has been breached, or suspect unauthorized use of Your account or account information, You shall immediately notify Company.
Site Rules of Conduct
You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or its services. Your use of the Site is additionally conditioned on Your compliance with the following rules of conduct. You agree not to:
Use the Site for any fraudulent or unlawful purpose.
Transmit unsolicited e-mail messages (“Spam”), or obtain the services of another provider to send Spam to promote a website hosted or otherwise accessible on or through the Site.
Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent Your identity or Your affiliation with any person or entity; or express or imply that we endorse any statement You make.
Intentionally interfere with or disrupt the operation of the Site.
Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.
Attempt to gain unauthorized access to the Site or its services or information, whether by hacking, password mining or any other means.
Test the vulnerability of the Site or any connected network to attempt to breach the security or authentication measures, without prior express written consent of Company.
Frame or mirror all or any part of the Site without our prior express written consent of Company.
Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
Interfere with or violate any other Site visitor’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.
Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Site or its services or information.
Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site.
Other Terms and Conditions
Disclaimer and Limitation of Liability
THE INFORMATION AND SERVICES PROVIDED ON THIS SITE ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THE SITE AND THE APPLICATIONS, SERVICES, AND LINKS PROVIDED THEREIN.
NO INFORMATION PROVIDED BY COMPANY AND/OR COMPANY’S EMPLOYEES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY. COMPANY DOES NOT WARRANT THAT THE INFORMATION OR SERVICES OFFERED ON THE SITE, LINKED
WEBSITES, OR AS OTHERWISE ACCESSIBLE ON OR TRANSMITTED FROM THE SITE WILL BE UNINTERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE FROM THIS SITE OR ANY OTHER WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. COMPANY DOES NOT PROMISE THAT YOUR USE OF THE SITE WILL PROVIDE A SPECIFIC RESULT.
YOU UNDERSTAND THAT ACCESS TO THE SITE MAY FROM TIME TO TIME BE OR BECOME UNAVAILABLE, DELAYED, OR OTHERWISE LIMIT ADEQAUTE USABILITY DUE TO HARDWARE FAILURE, TELECOMMUNICATION FAILURES/INTERRUPTION, NETWORK OR SERVER FAILRUES, VIRUSES, ERRORS, INCOMPATIBILITY OF SYSTEMS, OR OTHER THINGS THAT MAY BE A RESULT OF THE END USER’S EQUIPMENT, CONNECTIONS, OR OTHER CAUSES OUTSIDE THE CONTROL OF COMPANY. IN THE EVENT AN INTERRUPTION OF SERVICE OR OTHER FAILURE CAUSES HARM TO YOU OR OTHER SITE USER, COMPANY SHALL NOT BE HELD RESPONSIBLE OR BE LIABLE FOR ANY SUCH DAMAGE, LOSS, INACCURACY, ADEQUACY, INCOMPLETION OF INFORMATION OR SERVICES, ETC.
YOU UNDERSTAND AND AGREE THAT IN THE EVENT YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIAL OR DATA THROUGH THE USE OF THIS SITE YOU DO SO AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOU, YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE USE OR DOWNLOAD OF SUCH MATERIAL OR DATA.
COMPANY DISCLAIMS ANY LIABILITY IN THE EVENT A PAYMENT TRANSACTION IS NOT COMPLETED FOR ANY REASON, INCLUDING BUT NOT LIMITED TO IMPROPER, ERRONEOUS OR INCOMPLETE INFORMATION, INSUFFICIENT FUNDS OR CREDIT, OR THE ERRORS BY OR FAILURE OF SYSTEMIC PROCESSES OF THIS SITE, PAYMENT PROCESSESORS, OR YOUR FINANCIAL PROVIDERS. COMPANY RESERVES THE RIGHT TO SUSPEND OR TERMINATE ANY TRANSACTION THAT COMPANY DEEMS INVALID, UNAUTHORIZED, FRAUDULENT OR OTHERWISE.
COMPANY WILL USE REASONABLE EFFORST TO INCLUDE ONLY ACCURATE AND UP-TO-DATE INFORMATION ON THE SITE. HOWEVER, BY ACCESSING OR LINKING TO THE SITE, YOU ASSUME THE RISK THAT THE SITE AND ITS CONTENT MAY BE INCOMPLETE INACCURATE, OUT-OF-DATE, OR MAY NOT MEET YOUR NEEDS AND REQUIREMENTS. COMPANY DISCLAIMS ANY OBLIGATION TO UPDATE THE CONTENT OF THE SITE AND ANY LIABILITY FOR INCOMPLETE OR INACCURATE INFORMATION AVAILABLE ON THE SITE VIA THIRD-PARTY LINKS. COMPANY IS NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OR CONTENT OF ANY THIRD-PARTY WEBSITES THAT ARE LINKED THROUGH THE SITE OR THAT DISPLAY A LINK TO THE SITE. COMPANY MAKES NO WARRANTIES OR REPRESENTATION REGARDING THE ACCURACY OF ANY INFORMATION CONTAINED IN ANY THIRD-PARTY WEBSITE.
YOU, AS A USER OF THE SITE, ASSUME RESPONSIBILITY FOR YOUR USE AND UNDERSTAND THAT THESE DISCLAIMERS AND LIMITATION OF LIABILITY ARE A MATERIAL PART OF THIS AGREEMENT. YOU UNDERSTAND THAT YOUR SOLE REMEDY AGAINST COMPANY FOR LOSS OR DISSATISFACTION WITH THE SITE IS TO STOP USING THE SITE. EXCEPT AS PROHIBITED BY LAW, COMPANY WILL NOT BE LIABLE TO YOU FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
General / Miscellaneous
This Agreement and performance under it shall be governed by and construed in accordance with the law of Iowa without regard to any portion of its choice of law principles.
Any provision of this Agreement that contemplates performance or observance subsequent to termination or expiration of this Agreement shall survive termination or expiration of this Agreement and continue in full force and effect.
This is an attempt to collect a debt; any information obtained will be used for that purpose. This communication is from a debt collector.