Terms of Use

These terms and conditions of use (“Terms of Use”) govern your use of our online interfaces and properties (e.g., websites and mobile applications) owned and controlled by Creditor Advocates Inc (“Creditor Advocates”), including, but not limited to, creditoradvocates.com, capayonline.com, cread.interprose.com/va/login.do?customerID=CREAD, or any subdomain websites (collectively, the “Website”), and your use of its associated communication channels including, but not limited to, email, text messaging, chat, and automated phone system technology (collectively, "Digital Contact Methods"). The content on creditoradvocates.com is intended for our Business Clients whereas the content on capayonline.com is intended for its customers. Your compliance with these Terms of Use is a condition to your use of the Website and Digital Contact Methods. If you do not agree to be bound by the Terms of Use, promptly exit this Website and do not use any of our Digital Contact Methods. Please also consult our Privacy Policy for a description of our privacy practices and policies. You may print a hard-copy of this agreement by clicking the “Print” button in your web browser.

This Terms of Use, along with our Privacy Policy, Payment Terms, Payment Plan Agreement, Paperless Communication Agreement, any mobile license agreement, and other posted guidelines within our Website, collectively “Legal Terms”, constitute the entire and only agreement between you and Creditor Advocates Inc., and supersede all other agreements, representations, warranties and understandings with respect to our Website, Digital Contact Methods, and the subject matter contained herein. We reserve the right to modify our Legal Terms at any time which are effective immediately upon posting and you agree to be bound to any such changes. We do so by posting and drawing attention to the updated Legal Terms when you visit our Website, at a minimum. It is the obligation of users visiting our Website before the change to learn of changes to the Privacy Policy since their last visit.

Creditor Advocates is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

General Terms

Our Legal Terms shall be treated as though it were executed and performed in Minnesota (MN), USA, and shall be governed by and construed in accordance with the laws of MN, USA, without regard to conflict of law principles. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to our Website, must be instituted within one (1) year after the cause of action arose or be forever waived and barred. Should any part of our Legal Terms be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content in our Website conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take precedence. Our failure to enforce any provision of our Legal Terms shall not be deemed a waiver of such provision nor of the right to enforce such provision. The rights of Creditor Advocates Inc. under our Legal Terms shall survive the termination of our Legal Terms.

Prohibited Use.

You may not access or use, or attempt to access or use, our Website or Digital Contact Methods to take any action that could harm us or a third party. You may not use our Website or Digital Contact Methods in violation of applicable laws. You further agree that you will not attempt (or encourage or support anyone else's attempt) to circumvent, reverse engineer, decrypt, or otherwise alter or interfere with our Website or Digital Contact Methods or make any unauthorized use of our Website or Digital Contact Methods. Without our prior written consent, you shall not: (1) access any part of our Website you do not have permission or authorization to access or for which we have revoked your access; (2) use robots, spiders, scripts, service, software or any manual or automatic device, tool, or process designed to data mine or scrape the Content, data or information from our Website or Digital Contact Methods, or otherwise use, access, or collect the Content, data or information from our Website or Digital Contact Methods using automated means; (3) use the Content for the development of any software program, including, but not limited to, training a machine learning or artificial intelligence (AI) system; (4) use services, software or any manual or automatic device, tool, or process designed to circumvent any restriction, condition, or technological measure that controls access to our Website or Digital Contact Methods in any way, including overriding any security feature or bypassing or circumventing any access controls or use limits of our Website or Digital Contact Methods; (5) cache or archive the Content (except for a public search engine’s use of spiders for creating search indices); (6) take action that imposes an unreasonable or disproportionately large load on our network or infrastructure; (7) do anything that could disable, damage or change the functioning or appearance of Website or Digital Contact Methods; (8) use of any prerecorded/artificial voice messages, use of an automatic dialing device, and/or artificial intelligence as applicable to Contact Us without prior written consent; and (9) engage in a prohibited use of our Website or Digital Contact Methods which may result in civil, criminal, and/or administrative penalties, fines, or sanctions against the user and those assisting the user.

Prevailing Language.

Translations into languages other than English may be available on the Website or through our Digital Contact Methods. In case of any inconsistencies, disputes, or confusion with the translated versions, the English translated version shall prevail.

Your Privacy.

Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

Important Disclosures.

Before using our Digital Contact Methods, you acknowledge that you have been provided with important Disclosures and E-Sign Disclosure, either in writing or by visiting our Website. By visiting our Website, you acknowledge that you have been provided your important Disclosures and E-Sign Disclosure. Although Creditor Advocates attempts to ensure the integrity and accurateness of these disclosures, it makes no representations, warranties or guarantees whatsoever as to the correctness or accuracy of the disclosures. It is possible that the disclosures could include typographical errors, inaccuracies or other errors, and unexpected or unannounced changes to statutory requirements could be made by local, state, and/or federal governments at any time. In the event that an inaccuracy arises, please (1) inform Creditor Advocates, (2) allow 30 days from receipt of your concerns to fix, address, and/or cure such disclosures, (3) refer to mailed correspondence(s) for the proper disclosures that are applicable to your specific situation, and (4) promptly exit the Website. Disclosures may be changed or updated without notice.

Your Health Information.

You hereby consent to the receipt, use, and disclosure of your Protected Health Information (PHI) from you to Creditor Advocates. You further authorize the disclosure of this PHI to any healthcare provider, insurance company, medical billing company, or other third party that has provided or is providing payment, treatment, or services to you or on your behalf. This includes, but not limited to, sending your insurance information to the healthcare provider to process a claim, sending an itemized statement from your healthcare provider to your attorney, and filing a dispute or complaint related to your debt. You understand that the purpose of our use and disclosure of your health information is solely to provide you with the services described in this agreement. You understand that this data may contain sensitive information relating to your insurance information, HIV/AIDS diagnoses, mental illness or any other mental health condition, alcohol or substance abuse, sexually transmitted diseases, pregnancy, abortion or other family planning, genetic tests and/or diseases. Unless you expressly revoke it, your authorization shall remain in effect until December 31st, 2040.

Consent to Contact.

You agree to allow us to contact you about your account status, including past due or current charges, using prerecorded calls, text messages, chat messages, email and calls or messages using live, artificial, or prerecorded voices delivered by an automatic telephone dialing system or any other computer-aided technologies to any landline phone, wireless phone number, other contact number or email address you have provided or that you obtain in the future. You further agree that we will treat any email address and phone numbers you provide as your private email or phone number that is not accessible by unauthorized third parties. Unless you notify us that your wireless service is based in a different time zone, calls will be made to your cellular device during permitted calling hours based upon the time zone affiliated with the mobile telephone number you provide.

Online Portal.

We provide an online portal through our Website by which you can access your account(s) placed for collections by your creditor(s). By Registering for online access, you affirmatively acknowledge that you have been provided Disclosures and E-Sign Disclosure, provide Opt-In consent to communicate through all available Digital Contact Method(s), agree to the Terms of Use and Privacy Policy, and authorize and use your Electronic Signature to sign Paperless Communication and Payment Plan Authorizations.

Contact Us.

You agree to communicate with us only through approved and available communication channels, or Contact Methods, which include by mail to Creditor Advocates, PO Box 1264, Prior Lake, MN 55372; by telephone calls to our main number at (866) 357-7522 during normal business hours; by online portal provided through our Website at capayonline.com; by any Digital Contact Method we specify in our communications to you; or by any communication method we use to contact you. If any such Contact Method becomes unavailable, you agree to revert to using our mailing address or calls to the main phone number during normal business hours as they become available. When you communicate with us, you grant us express consent to respond through those same communication methods you used to contact us, unless and until otherwise directed. Communication to or from us may be recorded or monitored. Normal business hours are between 9AM to 4PM Monday through Friday excluding holidays. Extended business hours may be available outside of normal business hours. We reserve the right to refuse to accept communications through any Contact Method, other than by mail.

Contact Methods You Supply Are Consented.

By previously providing your Contact Method(s) to our clients or third party agents, you confirmed that such Contact Method(s) are valid, personal, and secure from third-party access, and consented to receiving account related correspondence through your Contact Method(s), whose consent has been extended to us, to the extent allowable by law. By Contacting Us or providing your Contact Method(s) to us, you 1) confirm that such Contact Method(s) are valid, personal, and secure from third-party access; 2) grant us express consent to send account related correspondence through such Contact Method(s); and 3) extend this express consent to all future communications with Creditor Advocates, its clients, and its agents, to the extent allowable by law, unless and until otherwise directed. Contact Method(s) to you may include using limited content messages, prerecorded/artificial voice messages, use of an automatic dialing device, and/or artificial intelligence as applicable. You consent to receive such communications any time of the day, without restriction except when in conflict with applicable laws. Communication to or from us may be recorded or monitored. You have the option to withdraw consent to the use of any such Contact Method(s), or Opt-Out, on your current accounts with Creditor Advocates by calling or writing us using the information provided above or by using the Opt-Out methods when specified below. Any Opt-Out request must contain sufficient information as to identify its desired intent and allow enough time for us to act on that request, typically within two business days. Opting-Out may restrict access to some or all of the services we provide. You may Opt-In again by continuing to Contact Us, unless otherwise directed. Please note that after Opting-Out, you may receive communications on new accounts where your consent was previously obtained. We reserve the right to refuse to provide communications through any Contact Method.

Digital Contact Method: Email Communications.

By previously providing your email address to our clients or third party agents, you confirmed that such email address is valid, personal, and secure from third-party access, and consented to receiving account related correspondence through your email until otherwise directed, whose consent has been extended to us. By emailing or providing your email address to us to Opt-In, you 1) confirm that such email address is valid, personal, and secure from third-party access; 2) consent to the use of your Electronic Signature and agree to use your Electronic Signature to sign and authorize Paperless Communications through your email, 3) grant us express consent to send account related correspondence, including Paperless Communications, through your email; and 4) extend this express consent to all future email communications with Creditor Advocates, its clients, and its agents, to the extent allowable by law, unless and until otherwise directed. Email communications may include using prerecorded/artificial voice messages, use of an automatic dialing device, and/or artificial intelligence as applicable. You consent to receive such communications any time of the day, without restriction except when in conflict with applicable laws. Email responses from us may be limited to the normal business hours provided above. Communication to or from us may be recorded or monitored. You have the option to withdraw consent to email communications, or Opt-Out, with regard on your current accounts with Creditor Advocates 1) by Contacting Us using the information provided above; 2) by setting email preferences through the online portal account; or 3) by clicking the Opt-Out link on your email. Any Opt-Out request must contain sufficient information as to identify its desired intent and allow enough time for us to act on that request, typically within two business days. Opting-Out may restrict access to some or all of the services we provide, including Paperless Communication and Payment Plans. If you send us a request to Opt-Out of email communication, we may send an email confirmation afterwards to confirm your intentions to Opt-Out. You may Opt-In again by clicking Opt-In or providing consent as provided above. Please note that after Opting-Out of email communication with regard on your current accounts, you may receive email communications on new accounts in the future where your consent was previously obtained.

Digital Contact Method: Text Messaging (SMS).

By previously providing your phone number and consent to our clients or third party agents, you confirmed that such phone number is valid, personal, and secure from third-party access, and consented to receiving account related correspondence through your mobile phone text messages, whose consent has been extended to us. By providing your mobile phone number and consent to us, you consent to receiving an Invitation to participate in our text messaging communication program. To Opt-In to this program, you must initiate a text to us, reply Yes to our Invitation, or provide the four digit PIN from the Invitation to an agent representative or electronic application. Upon Opting-In, you grant express consent to join a recurring SMS text messaging program that will provide alerts, updates, payment reminders, Electronic Signature requests, Paperless Communication, and other important account information. Text messaging may include using prerecorded/artificial voice messages, use of an automatic dialing device, and/or artificial intelligence as applicable. You consent to receive such communications any time of the day, without restriction except when in conflict with applicable laws. Text message responses from us may be limited to the normal business hours provided above. Communication to or from us may be recorded or monitored. You acknowledge that sending MMS or attaching files, photos, or other media is not currently supported but the express consent will extend to such when it becomes available. You have the option to withdraw consent to text messaging, or Opt-Out, with regard on your current accounts with Creditor Advocates 1) by Contacting Us using the information provided above; 2) by setting telephone preferences through the online portal account; or 3) by replying Stop to our text message. Any Opt-Out request must contain sufficient information as to identify its desired intent and allow enough time for us to act on that request, typically within two business days. Opting-Out may restrict access to some or all of the services we provide, including Paperless Communication and Payment Plans. If you send us an Opt-Out request, we may send a text message confirmation afterwards to confirm your intentions to Opt-Out. You may Opt-In again by granting consent as provided above.

By participating, you agree to the Terms & Privacy Policy for auto dialed messages to the phone number you provide. Msg&data rates may apply. Text 7244815621 to opt in. Reply HELP for help or STOP to opt out at any time. SMS information is not rented, sold, or shared.

Digital Contact Method: IVR, Artificial voice, Automated Phone System Technology

By previously providing your phone number and consent to our clients or third party agents, you confirmed that such phone number is valid, personal, and secure from third-party access, and consented to receiving account related correspondence through calls to your telephone, whose consent has been extended to us. By calling us and Opting-In to an automated attendant or by providing your mobile phone number and consent to us, you consent to receiving an Invitation to participate in recurring prerecorded/artificial voice messages including the use of an automatic dialing device and/or artificial intelligence, as applicable. To Opt-In to this program, you must affirmatively communicate your intentions to continue to participate. Upon Opting-In, you grant express consent to join a recurring prerecorded/artificial voice messages including the use of an automatic dialing device and/or artificial intelligence program that will provide alerts, updates, payment reminders, Electronic Signature requests, Paperless Communication, and other important account information. This will include the use of prerecorded/artificial voice messages, use of an automatic dialing device, and/or artificial intelligence as applicable. You consent to receive such communications any time of the day, without restriction except when in conflict with applicable laws. Communication to or from us may be recorded or monitored. You have the option to withdraw consent to recurring prerecorded/artificial voice messages, or Opt-Out, by 1) Contacting Us using the information provided above; or 2) by replying Stop or communicate your intentions to discontinue to participate. Any Opt-Out request must contain sufficient information as to identify its desired intent and allow enough time for us to act on that request, typically within two business days. Opting-Out may restrict access to some or all of the services we provide. You may Opt-In again by granting consent as provided above.

Digital Contact Method: Online Portal Access and Chat.

By logging in through the online portal provided through our Website at capayonline.com, you consent to the use of your Electronic Signature and agree to use your Electronic Signature to authorized Paperless Communications through the online portal and chat communications. Methods of contact may include using prerecorded/artificial voice messages, use of an automatic dialing device, and/or artificial intelligence as applicable. You consent to receive such communications any time of the day, without restriction except when in conflict with applicable laws. Chat communication responses from us may be limited to the normal business hours provided above. Communication to or from us may be recorded or monitored. We reserve the right to restrict access to the online portal.

E-Sign Disclosure and Electronic Signature Use.

By Opting-In to communication through our Website or Digital Contact Method(s), you consent to the use of your Electronic Signature, as provided in our E-Sign Disclosure.

Paperless Communication.

By Opting-In to communication through our Website or Digital Contact Method(s), you consent to the use of your Electronic Signature and agree to use your Electronic Signature to authorize and sign Paperless Communication. By signing and authorizing Paperless Communication, you 1) confirm that such Contact Method(s) are valid, personal, and secure from third-party access; 2) grant us express consent to send account related correspondence through those Digital Contact Method(s); 3) to treat such correspondence the same as if they were delivered in writing; and 4) extend this express consent to all future email communications with us, our clients, and our third party agents, to the extent allowable by law, unless and until otherwise directed.

You have the option to Opt-Out of Paperless Communication by Contacting Us using the information provided above. Any Paperless Communication Opt-Out request must be deliberate and specific to distinguish it from other similar requests and contain sufficient information as to identify its desired intent. Opting-Out may result in limiting or canceling of certain services on your account, including important account updates, or other services dependent on your Paperless Communication Opt-In status. If instead you Opt-Out of all available Digital Contact Method or cease further communications, your use of Paperless Communication will be limited to your use of the online portal.

To receive and view electronic email communications from Creditor Advocates, you must meet the following software and hardware requirements: (1) Hardware Requirements: You will need access to the Internet and have access to the online portal, a valid email account, or mobile phone capable of receiving SMS text messages; (2) Software Requirements: An operating system and internet browser updated to the current version that together support the display of PDF documents.

Payments.

Each time you initiate a transaction, you authorize us, or our agent, to charge your credit/debit card or to initiate an automated clearing house (ACH) debit to your checking account at the specified financial institution for the specified amount on or after the scheduled date. You agree that submitting the payment constitutes an explicit authorization for us, or our agent, to complete the electronic charge/transfer. Once you have authorized the payment, you will not be able to cancel the transaction on or after the scheduled date. You acknowledge that this authorization shall remain in full force and effect until we have received written notification of its termination. By choosing to pay through ACH, you give Creditor Advocates the right to resubmit any ACH debit you authorized that is returned for any reason, including by not limited to insufficient or uncollected funds, and to collect up to a $30.00 administrative fee. Creditor Advocates reserves the right to refuse to process a transaction for any reason or without reason. If you enroll to make recurring payments automatically, all charges and fees will be billed to the Account you designate. If you want to designate a different Account or if there is a change in your Account, you must contact Creditor Advocates. This may temporarily delay your ability to make online payments while we verify your new payment information.To stop a preauthorized recurring payment, notify us at 866-357-7522 at least two banking business days before your payment due date. You represent and warrant that if you are making online payments that (i) any credit card, debit card and bank account information you supply is true, correct and complete, (ii) charges incurred by you will be honored by your credit/debit card company or bank, (iii) you will pay the charges incurred by you in the amounts posted, including any applicable taxes, and (iv) you are the person in whose name the card was issued and you are authorized to make a purchase or other transaction with the relevant credit card and credit card information. If your bank or credit card issuer fails to pay the amount that you authorized us to charge to your Account on the payment date for any reason, we will reverse the credit to your Creditor Advocates account and we may charge you a returned payment fee, as disclosed in the Creditor Advocates.

Payment Plan Authorization.

To setup Payments and Payment Plan Arrangements, you are required to Contact Us to authorize. By setting up a Payment or Payment Plan Arrangement, you authorize us to (1) establish and maintain your payment authorizations, (2) process a one-time payment followed by one or more recurring post-dated payments, and (3) process your payments according to your instructions. Payments will be applied toward your debt and any future debts in a manner that is most favorable and convenient to us unless otherwise direct by applicable law. You will be notified 3 to 10 days before your scheduled payment and at least 10 days before a scheduled payment if the payment will be different from the authorized amount or range. Payments that you authorize will be made from a bank or financial institution account, including, by credit or debit card, Google Pay, Apple Pay, PayPal, or other account (the "Transaction Account") that you designate. Upon the conclusion, cancellation, or Deactivation of this Payment Plan Arrangement, any remaining amount will become immediately due. It will be your responsibility to (1) establish and maintain the Transaction Account and to pay any and all fees associated with the Transaction Account, (2) review the Payment Plan Arrangement details to verify payment amounts are correct, (3) review scheduled notifications to verify payment amounts are correct, and (4) advise us if your contact information or Transaction Account details change. You represent that you have the authority to authorize us to take the payments from the Transaction Account according to the terms of your Payment Plan Arrangement. By consenting to the use of your Electronic Signature, you authorize and agree to use your Electronic Signature to sign the Payment Plan Arrangement on current and future Payment Plan Arrangements. Failure to provide your signature may result in Deactivation of your Payment Plan Arrangement. You have the option to modify or Deactivate your current Payment Plan Arrangement by accessing your account(s) through the online portal located on our Website or Contacting Us at the information provided above. Any modification or Deactivation request must contain sufficient information as to identify its desired intent and allow enough time for us to act on that request, typically within three business days. You are not permitted to change, revoke or terminate a one-time or recurring payment if that payment is in process. A payment is in process on the posting date of the payment. We reserve the right to modify, Deactivate, or cancel this Payment Plan Arrangement at our sole discretion. You have the option to request a refund within 90 days of the payment. Please see full details under Terms of Use. Stop Payment Requests and Chargebacks: You may have the right to revoke electronic payments by contacting the bank where you hold the Transaction Account. Contact your bank to determine the information and time your bank needs to process your revocation. We may be charged a fee up to $35.00 for processing this request and you agree to reimburse us this amount or as allowable by law. You may be required to use alternative payment channels on future payments.

Over-Payment Policy.

Any over-payment of $5.00 or more over the total debt amount will be refunded to the Account guarantor within 30 days of discovery or notification and confirmation by our accounting department. Refund may be requested for any over-payment. If approved, the refund will be issued within 30 days and may take the form of a credit card credit, ACH credit, or a mailed refund check. Regardless of the over-payment balance, any over-payments or un-cashed over-payment refund checks not sufficiently resolved will follow the appropriate state's Unclaimed Funds program and such funds will be remitted to state entities for you to claim at a later date.

Refund Policy.

We will refund any payment within 90 days of the payment date. Most often, refunds are approved and issued the same day as the request but it may take 10-days or longer to process through to your bank. Refund requests may take up to 5-days to be approved before being issued but in rare cases refund requests over $1,000 may require additional risk assessment with the creditor before approval.

Chargebacks and Payment Disputes.

If a dispute or question arises about a transaction between you and us, please contact us first before contacting your card issuer and/or filing a dispute/chargeback with your bank. In most cases, you will receive your money faster. By initiating a retrieval or chargeback request with your card issuer, you are implicitly authorizing Creditor Advocates to release the necessary information to comply with the card brands’/financial institutions’ information request; in some cases, this can include your Personally Identifiable Information (PII) and Protected Health Information (PHI). As our goal is to learn about and address your concerns as quickly as possible while securely maintaining your personal information. All questions and concerns should be directed to our Customer Service at (866) 357-7522 between 8AM-5pm CST Monday through Friday.

Assignment.

You may not assign this Agreement to any other party. We may assign this Terms of Service, or any parts thereof, to any directly or indirectly affiliated company. We may also assign or delegate certain of its rights and responsibilities under this Terms of Service to independent contractors or other third parties.

Accuracy and Integrity of Information

Although Creditor Advocates attempts to ensure the integrity and accurateness of the Website, it makes no representations, warranties or guarantees whatsoever as to the correctness or accuracy of the Website and Content thereon. It is possible that the Website could include typographical errors, inaccuracies or other errors, and that unauthorized additions, deletions and alterations could be made to the Website by third parties. In the event that an inaccuracy arises, please inform Creditor Advocates so that it can be corrected. Information contained on the Website may be changed or updated without notice. Additionally, Creditor Advocates shall have no responsibility or liability for information or Content posted to the Website from any non-Creditor Advocates affiliated third party.

You agree that all information you provide to us in connection with the Service is true, correct and complete. You agree not to misrepresent your identity or authority to view information or to schedule any Payment.

Intellectual Property.

Creditor Advocates, Creditor Advocate’s Website, and all related logos, products and services described in our Website are either trademarks or registered trademarks of Creditor Advocates or its licensors. You may not copy, imitate or use them without Creditor Advocate’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Creditor Advocates. You may not copy, imitate, or use them without our prior written consent. All right, title and interest in and to the Creditor Advocates Website and any content thereon is the exclusive property of Creditor Advocates and its licensors.

Licenses and Website Access.

Creditor Advocates grants you a limited license to access and make personal use of this Website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Creditor Advocates. This license does not include any resale or commercial use of this Website or its contents; any derivative use of this Website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Creditor Advocates. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Creditor Advocates without express written consent. You may not use any meta tags or any other “hidden text” utilizing Creditor Advocate’s name or trademarks without the express written consent of Creditor Advocates. Any unauthorized use terminates the permission or license granted by Creditor Advocates.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY.

THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE ARE PROVIDED BY CREDITOR ADVOCATES ON AN “AS IS” AND “AS AVAILABLE” BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. CREDITOR ADVOCATES MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, CREDITOR ADVOCATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CREDITOR ADVOCATES DOES NOT WARRANT THAT THIS WEBSITE; INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE; THEIR SERVERS; OR E-MAIL SENT FROM CREDITOR ADVOCATES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CREDITOR ADVOCATES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Applicable Law.

By visiting our Website, you agree that the laws of the state of Minnesota, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Creditor Advocates.

Disputes.

By using this Website you consent to exclusive jurisdiction and venue of Dakota County, Minnesota. Any dispute relating to your use of our Website shall be adjudicated in such jurisdiction.

Modification.

We may amend our Terms of Use at any time by posting a revised version on our website. The revised version will be effective at the time we post it, unless otherwise indicated. If the modified Terms of Use are not acceptable to you, your only recourse is to cease using our Website.

Version 20240229 – Updated on 02/29/2024