These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
License to use website
Unless otherwise stated, LegalNewCreditFile.com and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages [or [OTHER CONTENT]] from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
• republish material from this website (including republication on another website);
• sell, rent or sub-license material from the website;
• show any material from the website in public;
• reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;]• [edit or otherwise modify any material on the website; or]• [redistribute material from this website [except for content specifically and expressly made available for redistribution].][Where content is specifically made available for redistribution, it may only be redistributed [within your organization].]
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without LegalNewCreditFile.com express written consent.
[You must not use this website to transmit or send unsolicited commercial communications.][You must not use this website for any purposes related to marketing without LegalNewCreditFile.com express written consent.]
[Access to certain areas of this website is restricted.] LegalNewCreditFile.com reserves the right to restrict access to [other] areas of this website, or indeed this entire website, at LegalNewCreditFile.com discretion.
If LegalNewCreditFile.com provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
[LegalNewCreditFile.com may disable your user ID and password in LegalNewCreditFile.com sole discretion without notice or explanation.]
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to LegalNewCreditFile.com a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to LegalNewCreditFile.com the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or LegalNewCreditFile.com or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
LegalNewCreditFile.com reserves the right to edit or remove any material submitted to this website, or stored on LegalNewCreditFile.com servers, or hosted or published upon this website.
[Notwithstanding LegalNewCreditFile.com rights under these terms and conditions in relation to user content, LegalNewCreditFile.com does not undertake to monitor the submission of such content to, or the publication of such content on, this website.]
This website is provided “as is” without any representations or warranties, express or implied. LegalNewCreditFile.com makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, LegalNewCreditFile.com does not warrant that:
this website will be constantly available, or available at all; or
the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.]
Limitations of liability
LegalNewCreditFile.com will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
[to the extent that the website is provided free-of-charge, for any direct loss;] for any indirect, special or consequential loss; or
for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if LegalNewCreditFile.com has been expressly advised of the potential loss.
Disclaimer Of WARRANTIES AND LIMITATION OF LIABILITY
THE LEGAL NEW CREDIT FILE SERVICES AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE LEGAL NEW CREDIT FILE SERVICES ARE PROVIDED BY LEGAL NEW CREDIT FILE ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. LEGAL NEW CREDIT FILE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE LEGAL NEW CREDIT FILE SERVICES, OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE LEGAL NEW CREDIT FILE SERVICES, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THE LEGAL NEW CREDIT FILE SERVICES IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY LAW, LEGAL NEW CREDIT FILE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. LEGAL NEW CREDIT FILE DOES NOT WARRANT THAT THE LEGAL NEW CREDIT FILE SERVICES, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE LEGAL NEW CREDIT FILE SERVICES, LEGAL NEW CREDIT FILE'S SERVERS OR ELECTRONIC COMMUNICATIONS SENT FROM LEGAL NEW CREDIT FILE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE FULL EXTENT PERMISSIBLE BY LAW, LEGAL NEW CREDIT FILE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF ANY LEGAL NEW CREDIT FILE, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH ANY LEGAL NEW CREDIT FILE SERVICE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit LegalNewCreditFile.com liability in respect of any:
death or personal injury caused by LegalNewCreditFile.com negligence;
fraud or fraudulent misrepresentation on the part of LegalNewCreditFile.com; or
matter which it would be illegal or unlawful for LegalNewCreditFile.com to exclude or limit, or to attempt or purport to exclude or limit, its liability.
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
[You accept that, as a limited liability entity, LegalNewCreditFile.com has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against LegalNewCreditFile.com officers or employees in respect of any losses you suffer in connection with the website.][Without prejudice to the foregoing paragraph,] you agree that the limitations of warranties and liability set out in this website disclaimer will protect LegalNewCreditFile.com officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as LegalNewCreditFile.com.
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify LegalNewCreditFile.com and undertake to keep LegalNewCreditFile.com indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by LegalNewCreditFile.com to a third party in settlement of a claim or dispute on the advice of LegalNewCreditFile.com legal advisers) incurred or suffered by LegalNewCreditFile.com arising out of any breach by you of any provision of these terms and conditions[, or arising out of any claim that you have breached any provision of these terms and conditions].
Breaches of these terms and conditions
Without prejudice to LegalNewCreditFile.com other rights under these terms and conditions, if you breach these terms and conditions in any way, LegalNewCreditFile.com may take such action as LegalNewCreditFile.com deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
LegalNewCreditFile.com may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
LegalNewCreditFile.com may transfer, sub-contract or otherwise deal with LegalNewCreditFile.com rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
All content included in or made available through any Legal New Credit File Service, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software is the property of Legal New Credit File or its content suppliers and protected by United States and international copyright laws. The compilation of all content included in or made available through any Legal New Credit File Service is the exclusive property of Legal New Credit File and protected by U.S. and international copyright laws.
Legal New Credit File’s trademarks registered and unregistered marks that may be found on Legal New Credit File’s website and within its software. In addition, graphics, logos, page headers, button icons, scripts, and service names included in or made available through any Legal New Credit File Service are trademarks or trade dress of Legal New Credit File in the U.S. and other countries. Legal New Credit File's trademarks and trade dress may not be used in connection with any product or service that is not Legal New Credit File's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Legal New Credit File. All other trademarks not owned by Legal New Credit File that appear in any Legal New Credit File Service are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Legal New Credit File.
Any dispute or claim relating in any way to your use of any Legal New Credit File Service, or to any products or services sold or distributed by Legal New Credit File or through www.legalnewcreditfile.com will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these Conditions of Use as a court would. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our Attorney In Fact at: email@example.com. The arbitration will be conducted by the American Arbitration Association (AAA) under its rules. The AAA's rules are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.
By using any Legal New Credit File Service, you agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of New York, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Legal New Credit File.
HOW TO SERVE A SUBPOENA OR OTHER LEGAL PROCESS
Legal New Credit File accepts service of subpoenas or other legal process only through Legal New Credit File’s Attorney In Fact at the following address: firstname.lastname@example.org
Attn: Legal Department – Legal Process
Please note also that providing detailed and accurate information at the outset will facilitate efficient processing of your request.
You can contact LegalNewCreditFile.com by emailing: admin@LegalNewCreditFile.comLegal New Credit File ™
Enhancement Services All package trade-lines appear within 60 days, most post within 30, and some post sooner. It depends on the credit bureaus after you are added. Some trade-lines stay on a file permanently. If the line does not appear within the 60 day period listed above, we will issue a replacement if it meats the conditions below. If the REPLACEMENT line does not post within its time period then we will issue you a new tradeline. You as the client and/or Agent Broker are responsible for the accuracy of information you submit to us. Being one digit off on a Number or date of birth, or spelling a name incorrectly will cause a trade-line not to post properly. We DO NOT replace lines when you submit inaccurate information so please double check your info. If you submit incorrect or inaccurate information, you would need to re-purchase the line again if the order was already processed.
It is the client’s responsibility to open credit monitoring service’s. We highly recommend Credit Check Total because it provides quicker updates, more accurate information, and sends alerts in real time that the free services do not send. Note that we do not accept Credit Karma or any free credit monitoring site as proof of non-posting (example creditkarma.com only shows (2) credit agencies FICO Score Numbers). This is industry standard. More information on our trusted credit monitoring sites as proof of non-posting are listed below.
After the 30th business day after the upload date, if the line has not posted, please contact us to inform us. We will investigate. If you don’t contact us, then we DON’T KNOW ABOUT IT. In order to investigate trade-lines that have not posted, you must provide a valid login ID and password from one of our trusted credit monitoring sites. We accept: Creditchecktotal.com/Experian.com/Transunion.com/Equifax.com/Myfico.com/creditkarma.com only shows (2) agencies). After 20 business days, if you have not emailed us we will assume that the line has posted and the transaction has successfully completed. In the event of a trade line getting shut down, or a line becoming unavailable or sold out, we will select an adequate replacement trade line and move you to it. This may be without notice. Changes happen so frequently that we are unable to notify every client of every change. A note about Fraud Alerts & Freezes : If you have a Fraud Alert or Freeze on your credit report, you MUST remove it in order for your trade-line to report properly. ANY AND ALL FRAUD or FREEZE ALERTS MUST BE REMOVED BY YOU. If you do not, you will run into posting issues that we will not accommodate for. In order to remove a Fraud Alert, you must call each credit bureau and remove it. You are welcome to put the fraud or freeze alert back on your file once your trade-line posting in complete. Other packages listed on the site also have a specific time frame for completion. If you have passed the time frame and you are not satisfied, a refund or a credit of services will be considered based on a client-by-client basis only under the Refund Policy below. If you buy a tradeline à la carte & not in a package expect a minimum of (1) credit agency posting. A refund will NOT be issued if instructions were not followed.