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Terms and Conditions
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WEBSITE TERMS OF USE

This document was last updated on November 21st, 2011


LEGAL NOTICES

WELCOME. This Website is owned and provided by DebtRollOff.

Please read carefully these Website Terms of Use and the Privacy Policy (referred to collectively as “Terms of Use”).  If You proceed to use this site and use our application development services (“Services”) You are agreeing to abide by the terms and conditions outlined herein. These Terms of Use govern users of the Services and visitors to this site.

  

These Terms of Use govern how we handle Your information and outline our obligations to You when using our website located at www.DebtRollOff.com and its directly associated domains (collectively, "DebtRollOff,” or "Website").

DebtRollOff LLC. (“DebtRollOff” or “we”) reserves the right to make additions, deletions, or modifications to the information found at the site at any time without prior notification.

BY USING OR ACCESSING THIS DEBTROLLOFF WEBSITE, YOU ARE ACCEPTING THE PRACTICES DESCRIBED IN THESE TERMS OF USE.


No Guarantee or Warranty

While we at DebtRollOff have endeavored to make sure that the information contained in this website is accurate, DebtRollOff can make no guarantee as to the accuracy or completeness of such information. This site is provided "AS IS". DebtRollOff MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE WITH RESPECT TO THE INFORMATION. DEBTROLLOFF OR ANYONE ELSE AFFILIATED WITH DEBTROLLOFF SHALL NOT BE LIABLE FOR ANY DAMAGES OR INJURY RESULTING FROM USER’S ACCESS OR INABILITY TO ACCESS THIS SITE, OR FROM RELIANCE UPON ANY INFORMATION CONTAINED IN THIS SITE.  ADDITIONALLY, WE DO NOT WARRANT THAT THE WEBSITE OR THE SERVERS MAKING THE SITE AVAILABLE ARE VIRUS FREE.

Limitation of Liability

TO THE FULLEST EXTENT ALLOWED BY LAW, DEBTROLLOFF AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING OUT OF (I) THE USE OR INABILITY TO USE THE PORTION OF THE DEBTROLLOFF WEBSITE OFFERED OUTSIDE OF THE SERVICE,(II) ANY TRANSACTIONS CONDUCTED THROUGH OR FACILITATED BY THE DEBTROLLOFF WEBSITE OFFERED OUTSIDE OF THE SERVICE; (III) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE DEBTROLLOFF WEBSITE OFFERED OUTSIDE OF THE SERVICE,(IV)UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (V) ANY OTHER MATTER RELATED TO THE DEBTROLLOFF WEBSITE, INFORMATION PROVIDED THROUGH THE DEBTROLLOFF WEBSITE OR THE PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE PORTION OF THE DEBTROLLOFF WEBSITE OFFERED OUTSIDE OF THE SERVICE, EVEN IF DEBTROLLOFF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OR ANY LIMITED REMEDY. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS DO NOT APPLY TO YOU.   IN THIS RESPECT, THE MAXIMUM LIABILITY FOR DAMAGES OF DEBTROLLOFF SHALL BE LIMITED TO ANY FEES PAID BY YOU TO DEBTROLLOFF IN CONNECTION WITH YOUR CLAIM OR ONE HUNDRED US DOLLARS ($100.00), WHICHEVER IS LESS.


Indemnification

You agree to indemnify and hold DebtRollOff and its officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of content you submit, post, transmit or otherwise make available through the DebtRollOff.com, Your use of DebRollOff.com, Your connection to DebtRollOff.com, Your violation of these Terms of Use, or Your violation of any rights of another.


Availability

DebtRollOff uses reasonable efforts to make the DebtRollOff website available 24 hours a day and seven days a week; however, there will be instances when the DebtRollOff website will be interrupted for maintenance, upgrades or emergency repairs and due to other reasons that are beyond the control of DebtRollOff, including failure of telecommunications lines, links and equipment. While DebtRollOff will make every reasonable effort in order to minimize such issues where it is within our reasonable control to do so, there may be instances where such a disruption might occur. In this respect, You agree that DebtRollOff will not in any way be liable or responsible to You for any such modification, suspension or disruption of the DebtRollOff website.


Third-Party Links

This DebtRollOff website may from time to time provide links that will take You to other third-party websites. Any such links are provided solely as a convenience to visitors or members. DebtRollOff has no control over these websites or their content and does not assume any responsibility or liability for these websites or their content. DebtRollOff does not endorse or make any representations about these websites, or any information, materials, or products found thereon. If You access any of the third-party websites linked on this DebtRollOff Website, You do so at Your own risk and You agree that DebtRollOff shall not be liable for any loss or damage that You may suffer by using any of these other websites.


Third-Party Materials on the DebtRollOff Website

This DebtRollOff Website may contain materials submitted by third parties. Any such materials are provided solely as a convenience to our visitors and members. DebtRollOff has not tested or evaluated these materials and does not endorse or make any representations about these materials or Your use thereof. If You use any of these third-party materials or any third-party products or services referenced in these materials, You do so at Your own risk. In no event shall DebtRollOff be liable for any loss, claim, damages, or costs that may arise in connection with Your use of these third-party materials.


Inaccurate Material on the DebtRollOff Website

A possibility exists that the DebtRollOff Website or any DebtRollOff content could include inaccuracies or errors and that unauthorized additions, deletions and alterations could be made to the DebtRollOff website by unauthorized third-parties. Although DebtRollOff attempts to ensure the integrity of the DebtRollOff website it makes no guarantees whatsoever as to the completeness, correctness or accuracy of the DebtRollOff website or any of the DebtRollOff content on the DebtRollOff Website. In the event that such an inaccuracy arises, please inform us so that it may be corrected.


Trademarks

The name "DebtRollOff," “DebtRollOff, MyDebtSite” and the "DebtRollOff" logo are trademarks of DebtRollOff in the United States.  All other company names, logos, and trademarks mentioned herein are the property of their respective owners. Nothing herein shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use DebtRollOff’s name, logos, trademarks or other intellectual property displayed on this DebtRollOff website except as expressly provided herein or by obtaining the written permission of DebtRollOff or such other third party owner, as applicable. You acknowledge that DebtRollOff will aggressively enforce its intellectual property rights with respect to its trademarks to the fullest extent of the law, including, without limitation, the seeking of criminal prosecution.


Ownership

You acknowledge and agree that DebtRollOff shall not acquire any ownership interest in or to any of Your Materials and all title, risk of loss, responsibility for, and control over Your Materials shall, at all times, remain with You. DebtRollOff may not use any of Your Materials for any purpose, or in any manner, except as specifically authorized in these Terms of Use.


Content Restrictions

You represent and warrant that: (a) You have the right to enter into this agreement, to reproduce, print and distribute Your Materials; (b) none of Your Materials violate or infringe any patent, copyright, trademark, trade secret or other intellectual property or contractual rights of any other person, firm, corporation or other entity; (c) Your Materials are authorized for distribution and sale; (d) Your Materials do not contain any obscene, offensive or other materials that are prohibited or restricted under the laws or regulations of the United States.  Furthermore, You agree that DebtRollOff may refuse to provide services based solely on Your content and may request that Your Materials be altered or modified in order to meet commonly accepted decency standards.  You agree that Your Materials shall not contain any content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, pornographic, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable.   


Refund Policy

In the event Your information is rejected by DebtRollOff based solely on unacceptable content, DebtRollOff shall refund all fees paid by You within 30 days upon written request to receive such refund.  After 30 days, You agree to waive all rights to any such refund based on the fact that Your Materials were rejected by DebtRollOff.
If you choose the month-to-month plan your credit card or method of payment will automatically withdraw your dues monthly for as long as you have a valid account.  You membership will automatically renew each month until you cancel your membership and you will be billed the monthly fee at that time

If you choose the yearly plan (you will receive a discount) however if you choose to cancel your yearly subscription you account will be pro-rated on a monthly basis cost minus the discount.  For example:  If you signed up in Jan and you canceled in April.  You will be charged 4 months at the monthly rate without the discount. 


Marketing

You agree to permit DebtRollOff to use (i) your name first name to promote success stories you have received in our Testimonial Section.  (ii) provide screen shots and/or up to 30 second excerpts of Your Material, for promotional purposes in marketing materials.   

Copyrights

You acknowledge that, in the event of any third party claim that Your Materials, or any portion thereof, infringes that third party’s intellectual property rights, You, not DebtRollOff, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.


Privacy

Please review the DebtRollOff "Privacy Policy" below. The terms of the Privacy Policy are incorporated into, and considered part of, these Terms of Use.


Governing Law, Jurisdiction and Arbitration

This agreement between DebtRollOff and its users will be governed and interpreted under the laws of the state of Delaware. In the event that any provision of this agreement is found to be in conflict with the law, such provision shall be restated to reflect the original intent, and all other terms and conditions shall remain in full force and effect.

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out any DebtRollOff service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Any legal controversy or legal claim arising out of or relating to these Terms of Use or DebtRollOff.com, excluding legal action taken by DebtRollOff to obtain an injunction relating to its intellectual property, shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in a venue selected by DebtRollOff, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.


Activating your Account

To activate your month-to-month or yearly membership with DebtRollOff you will be transferred to the PayPal site where you can use your PayPal account or use a credit or debit card.


Price Updates

DebtRollOff has the right to modify and make changes to cost at any time and will provide that benefit to all users.  If the user is on month-to-month plans the user changes will reflect those changes, for yearly subscriptions, the amount will reflect the amount originally signed up for only for price increases.  For price decreases, all users will be charged the lesser fee.  

You may cancel your membership at anytime within the month (For Month to Month subscriptions Only) Note that no refund or pro-rated calculations will be provided in month-to-month plans.  To cancel please cancel your subscription on the My Profile Page and email as the reason for cancelling to CancelMySubscription@DebtRollOff.com

Use of Site

DebtRollOff lets you create a personalized plan for paying off your debts.  The method which will be different for everyone based on the individuals information DebtRollOff will provide you with an optimized approach and plan which will save money on interest and guide you to pay off your debt much quicker than the standard method of paying off debt, as long as you follow your plan and make payments and do not incur any additional debts. However, the actual results you achieved towards paying down your debts, reducing the length of time you will be in debt, and realizing savings in interest payments all depend on you and in no way will be reflected by DebtRollOff.com or anyone affiliated with DebtRollOff.

DebtRollOff is not a certified or registered financial planner, and does not provide debt management advice, credit counseling, financial planning or financial counseling. DebtRollOff is not a loan product, does not provide an extension of credit, and is being offered independent of any extension of credit.

All calculations are made available to you as self-help guides for your independent use and are not intended to provide investment advice. DebtRollOff cannot and does not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

DebtRollOff will not negotiate on your behalf with your lenders and or creditors to obtain new or different loan or credit terms for you or to eliminate, reduce or settle your debts. DebtRollOff will not distribute debt payments to your creditors on your behalf — you must pay your lenders and creditors directly. You remain at all times responsible for paying your debts in accordance with the terms of your agreements with your lenders and creditors.

DebtRollOff does not imply, promise or guarantee that use of the DebtRollOff Site will or may improve your credit record, credit history, credit rating, credit score, credit report or debt-to-income ratio, and DebtRollOff will not help or advise you in these matters. These items are based on your past or historical credit behavior, and accurate and timely adverse credit information based on your past credit behavior cannot be changed.


Agreeing to Terms

If You do not agree to these Terms of Use please do not use this Website or any services offered by this site. We reserve the right to make changes in these Terms of Use. Please check back from time to time to ensure You are aware of any updates or changes in this policy. Your use of our site indicates acceptance of these terms and conditions.

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