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Disclaimer
DISCLAIMER
AND LIMITATIONS
This page intends to cover every possible question you may have
about CarreonandAssociates.com. Anyone who utilizes this website
is bound by our terms.
Our company is a financial education company functioning
online. We (CarreonandAssociates.com) are committed to providing
our visitors with accurate- truthful information and to educate
them about credit and collection issues to the best of our ability
using reliable sources. This Web site is offered to you, the "User,"
conditioned on your acceptance without modification, of the terms,
conditions, and notices contained in this agreement. Your use
of this Web site constitutes your agreement to all such terms, conditions,
and notices herein.
Other product and company names mentioned herein,
including the names of participating partners and lenders, may be
the trademarks of their respective owners.
CarreonandAssociates intends that the information
contained in this Web site be accurate and reliable; however, errors
sometimes occurs. In addition, changes and improvements to the information
provided herein may be made by us at any time. CarreonandAssociates
is the preferred source for credit rebuilding, consumer education,
debt reduction & debt negotiations information gathered in one
place. We are not a law firm and do not offer any legal, tax or
financial advice. We aggregate resources, products and services
to offer them in one central place, our site. We are not a credit
repair company- we do not provide credit repair services. We
are an Internet portal offering information, education and third
party products.
All articles and pages contained within this site
are thought to be accurate at the time of creation, however laws
change so you need to be diligent in checking your own state
laws. All articles within this website are the opinions only
of the author(s) and you should always use good judgment when dealing
with your finances and credit issues by doing your research and
using this website as it is intended which is to aid in educating
you in credit and collections.
Do not let this website replace your need for
an attorney.
If you have legal questions you should always
consult with an
attorney.
By viewing our content you agree that we offer no personal legal
or financial advice and offer no warranties of your actions based
on what you may read and do with that information. Our site is for
informational purposes and does not fit each person's exact case.
Some web pages within this site may contain certain keywords that
appear misleading. The keywords embedded in these pages are done
so from a software program that takes a certain word like "credit"
and matches all words that are similar. We continually monitor our
keywords to make sure nothing foul or defaming has been inserted.
If we discover a keyword that we deem inappropriate, it is removed.
Services offered either directly or through
preferred partners' are:
CarreonandAssociates is a division of Carreon
& Associates, a general finance broker with advanced knowledge
of credit issues and in house credit experts. Any of the services
you choose that are offered by an E-partner is guaranteed by that
partner. CarreonandAssociates outsources the expert's and is not
liable for the personal relationship that you develop with that
partner. Any product that you purchase directly from us is covered
under our privacy and satisfaction
policy. If it is a referral or if the service is outsourced then
you must look at that partner's privacy and guarantee policies.
Our loan offers are offered through direct lenders, brokers, finance
and credit card companies. CarreonandAssociates does not directly
lend funds.
Site Membership
By viewing our member site
you agree that we offer no warranties of how you may use the information
or the educational material nor do we offer any legal, tax or financial
advice to any visitors of this site. You repair your credit at your
own discretion and are to use the Member site as intended: for education.
The Member site offers only education and articles. No credit repair
is provided for anyone. We reserve the right to withdraw
username and passwords or block your IP address on individuals who
may abuse the membership or try to gain access after a refund has
occurred. The site offers only legal and ethical credit rebuilding
tips so if you are looking for fraudulent credit repair information-
do not order! Lifetime membership means as long as we offer the
product and or remain in business online. Do
not plagiarize or redistribute elsewhere. Your
purchase is for one individual. You may not redistribute our material
anywhere else or reproduce the material for monetary gain. Our service
is offered to you, the consumer. Since we have no way of knowing
if a consumer or business is purchasing our educational material,
you agree to these terms by entering the member area after purchase.
You may not share your membership with others. Anyone who is thought
to be sharing their password and username with others will be subject
to being banned from the member area.
Membership FAQ
Finally, we encourage you to read our
FAQ to get answers to any questions you may have about what
the service offers.
About Paid Membership
Lifetime membership means as long as we offer
the product and or remain online and
you are responsible for keeping your username and password written
down in a safe place.
Membership will last a lifetime as long as you retain your username
and password.
What exactly does lifetime membership mean?
It means that you will have access to our member site for as long
as you are able to hold on to your user name and password or for
as long as we can locate an order record from you. As years pass,
you are responsible for keeping your username and password written
down because our card processor (clickbank) only allows us to search
for completed orders for up to 6-12 months. If we cannot locate
your prior order nor can you then there is essentially no way to
prove you joined after a year or so and you may need to join again.
That is why we recommend that you hold onto your receipt after you
have joined and write down your membership information in a safe
place. We always try to honor all requests but if we are unable
to locate an order nor are you, you will have to pay again to gain
access.
Price Change
We reserve the right to modify the price for our ebook and expert
service. However the price you paid at the time of purchase still
holds for you.
Attorney Services
We do not employ any lawyers or offer any legal advice, however
we reserve the right to direct users to a lawyer service that we
deem reputable. Currently we are referring clients seeking legal
help to two law firms:
Credit Repair Lawyer: Users are referred to Lexington
Law Firm through this website
General Attorney: Users are referred to Lawinfo.com
Bankruptcy Attorney: Users are referred to BLF
Reputation
We have been around since 1994 and started our credit services business
in 1995. We began selling online in 1997. We have never received
any complaints from any federal agency and we have never had an
unresolved issue with a customer. Any customer who purchased our
education material and requested a valid refund has been honored.
Our business is to provide consumers with education and information
relating to credit and debt. We are stringent on whom we partner
with and we do not endorse unreliable services by any company claiming
to get you out of debt or help you with your credit unless they
are reputable.
Privacy
We are dedicated to protecting the privacy of our Members and visitors.
We will never share or sell your information with anyone and that
includes outside partners. Any communication you receive from us
will be from CarreonandAssociates only. Please see our Privacy
Policy for full details.
Other
Since we provide no legal advice through this site, you should not
rely upon any information contained herein for any purpose other
than reading, without seeking legal advice from a qualified licensed
attorney.
Trademarks, Servicemarks Et Al
In the course of discussing credit and financial related content,
we may inadvertently use a term that has been service marked. If
we do discover a service mark phrase has been used, it will quickly
be altered or removed upon notification from the service mark owner.
Any accidental use of any service marks are completely in error.
This statement is necessary since common financial phrases have
been known to be service marked.
Any
site offering credit related products should encourage you to read
your rights as a consumer for credit files
Advertising disclosure
Any third party links we refer you to are the programs we deem to
be the best from our perspective. Carreonandassociates.com receives
compensation for advertising some of these programs like CareOne,
Lexington Law and Bankruptcy referral Service.
Businesses
Please Read: Protected content
Since we offer our product via the Internet, we have no way of knowing
who is downloading our material. Because of that, we reserve
the right to block, remove or deny access to our content to individuals
who may also work in the credit repair and debt collection field.
Because many websites attempt to take material for reproduction
purposes, we reserve the right to protect our information if we
discover this to be the case. We will not honor any refund requests
from individuals who we feel work in the credit repair and credit
education field. By using our site, you agree to these terms. We
do not authorize any reproduction of our material whatsoever as
it has been created by us, for consumers only. If we discover our
material reproduced elsewhere, we will take all actions available
to us to stop it. If you are a credit repair company or individual
working in the credit repair field, we recommend that you do not
order because 1) we do not permit you to redistribute the material
and 2) if we discover you are in the credit repair and credit education
field, we will remove your access immediately.
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