Terms of Use

This Website Terms of Use Agreement (“Website Terms”) is between you and Helpbuildcredit.org, owned and operated by Fowler and Associates of NJ d/b/a Helpbuildcredit.org, a New Jersey company, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“Helpbuildcredit.org,” “we” or “us”), with a principal place of business at 60 Love Lane, Bridgeton, NJ 08302. Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the “Website”), your engagement of Helpbuildcredit.org’s services, your request that Helpbuildcredit.org contact you about its credit repair services, and/or your participation in Helpbuildcredit.org’s Text Message Program. Helpbuildcredit.org’s “Text Message Program” includes sending text message(s) to Helpbuildcredit.org and/or receiving text message(s) from Helpbuildcredit.org.

BY USING THE WEBSITE, ENGAGING Helpbuildcredit.org’s SERVICES, REQUESTING THAT Helpbuildcredit.org CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN Helpbuildcredit.org’s TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

Helpbuildcredit.org’s Privacy Policy applies to your use of Helpbuildcredit.org’s website, all services provided by us, your request that Helpbuildcredit.org contact you about its credit repair services, and/or your participation in Helpbuildcredit.org’s Text Message Program, and its terms are made a part of the Website Terms. To view Helpbuildcredit.org’s Privacy Policy, click here. By using Helpbuildcredit.org’s website, engaging our services, requesting that Helpbuildcredit.org contact you about its credit repair services, and/or participating in Helpbuildcredit.org’s Text Message Program, you acknowledge you have reviewed Helpbuildcredit.org’s privacy policy and agree to its terms.

BY USING Helpbuildcredit.org’s WEBSITE, ENGAGING Helpbuildcredit.org’s SERVICES, REQUESTING THAT Helpbuildcredit.org CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN Helpbuildcredit.org’s TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND Helpbuildcredit.org ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND Helpbuildcredit.org, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OF FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH Helpbuildcredit.org. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST Helpbuildcredit.org IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST Helpbuildcredit.org IN ANY JURISDICTION IN THE UNITED STATES. Helpbuildcredit.org WILL REIMBURSE YOU UP TO $500 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have authority to interpret the Website Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Website Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Website Terms. You agree that the Website Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the state of New York, as provided in Section 17 below.

1. About the Website Terms

The Website is a service made available by Helpbuildcredit.org. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using Helpbuildcredit.org’s services, rescind your request that Helpbuildcredit.org contact you about its credit repair services, and/or discontinue your participation in Helpbuildcredit.org’s Text Message Program before the changes take effect. Your continued use of the Website, use of Helpbuildcredit.org’s services, request that Helpbuildcredit.org contact you about its credit repair services, and/or participation in Helpbuildcredit.org’s Text Message Program after any such changes take effect constitutes your acceptance to such changes. Each time you visit or log in to the Website, continue using Helpbuildcredit.org’s services, continue your request that Helpbuildcredit.org contact you about its credit repair services, and/or participate in Helpbuildcredit.org’s Text Message Program, you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms, by clicking on the “Terms of Use” link at www.Helpbuildcredit.org. The Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website and, together with the Website Terms, govern your use of those areas, content, or transactions.

2. About the Website

The Website gives users information about Helpbuildcredit.org’s credit repair services, general educational and informational resources about credit, and the ability to sign up for and engage Helpbuildcredit.org’s services.

3. Signing Up for Helpbuildcredit.org’s Services

You are not required to sign up for Helpbuildcredit.org’s services in order to visit and read material on the Website; however, you will need to sign up if you want it to assist you in your efforts to improve your credit reports and rating. If you do so, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to that information. Each sign-up is for a single person only. We do not permit any other person to enroll in Helpbuildcredit.org’s services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify Helpbuildcredit.org immediately by emailing info@helpbuildcredit.org.

4. Ownership

The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the “Content”) that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by Helpbuildcredit.org or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, Helpbuildcredit.org retains all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the “Technology”)(the terms Content and Technology collectively will be referred to as the “Materials”). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

5. Use of Website and Materials

Helpbuildcredit.org provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited. You may not, either directly or indirectly:

Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Website or Materials without the express written permission of Helpbuildcredit.org or the applicable rights holder;

Use the Materials for telemarketing, direct marketing, and commercial mass e-mail or by agents or representatives or e-mail spammers;

Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributes or copyright notices;

Use any network monitoring or discovery software to determine Website architecture, or extract information about usage or users;

Reformat or frame any portion of the Website or Materials;

Use any device, software or routine that interferes with the proper working of the Website, or otherwise attempt to interfere with the proper working of the Website;

Take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure;

Violate the Website Terms, applicable law or the rights of others; or Disrupt or interfere with the security of, or otherwise cause harm to, the Website.

Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose, or to transmit to or through the Website or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the Website or Materials.

Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the Website if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.

6. License

By using the Website, uploading content to or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) Helpbuildcredit.org a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.

7. Automated Activity

The Website may use robot exclusion methods, which include robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real time basis and is proprietary or is licensed to Helpbuildcredit.org by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Website for any purpose, including but not limited to performing “offline” searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML meta tags on the Website. Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Website.

8. Linking

You may provide links only to the homepage of this Website, provided (a) you do not remove or obscure, by framing or otherwise, any portion of the homepage, (b) you give Helpbuildcredit.org notice of such link by sending an e-mail to info@Helpbuildcredit.org and (c) you discontinue providing links to this Website if requested by Helpbuildcredit.org. If you wish to provide links to a section within the Website, you should forward your request to Helpbuildcredit.org at info@Helpbuildcredit.org and Helpbuildcredit.org will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission.

9. Representations

You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the Website Terms and applicable law and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.

10. Disclaimer

Helpbuildcredit.org makes every effort to ensure the information presented in, on or through its website is accurate; however, Helpbuildcredit.org makes no guarantee as to such information, and is not responsible for any resulting loss or damage.

11. Warranty, Liability, Indemnification

Helpbuildcredit.org makes no representations regarding the availability and performance of its Website. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that Helpbuildcredit.org shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use.

THE WEBSITE AND MATERIALS ARE PROVIDED BY Helpbuildcredit.org ON AN “AS IS” BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. Helpbuildcredit.org EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE.

IN NO EVENT SHALL Helpbuildcredit.org, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. Helpbuildcredit.org SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states liability is limited to the fullest extent permitted by law.

Helpbuildcredit.org DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE FREE OF VIRUSES, “WORMS”, “TROJAN HORSES”, OR THEIR HARMFUL COMPONENTS. Helpbuildcredit.org’s ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY Helpbuildcredit.org SHALL BE CANCELLATION OF YOUR ACCOUNT.

12. Indemnity

You agree to indemnify, defend, and hold harmless Helpbuildcredit.org, its officers, directors, employees, agents, representatives, vendors and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that such parties may incur as a result of or arising from your (or anyone using your account’s) violation or breach of any representation or obligation under the Website Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with our defense of such claim.

13. Privacy

We may, subject to and in accordance with our Privacy Policy for marketing and other purposes, collect, process, and transmit certain data obtained from and about you during your accessing the Website or during a phone consultation, including information collected in the course of an abandoned transaction. By agreeing to the Website Terms, you agree to such data being used and further agree that it may be transmitted to others whether within the United States or not, in accordance with our Privacy Policy and under applicable privacy and data protection legislation. Information on how and what type of data (if any) held about you can be obtained by reviewing our Privacy Policy or by contacting us.

14. Electronic Notices and Transactions

You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have access to the Internet to receive Helpbuildcredit.org’s services, to request that Helpbuildcredit.org contact you about its credit repair services, to participate in Helpbuildcredit.org’s Text Message Program, and to view, print and retain all documentation. You authorize us to send you important notices about the Website and any pending transactions to an email address you provide to us, if you are a member of Helpbuildcredit.org or have requested that we contact you about our credit repair services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to transact electronically with us, you may no longer use the Website or Helpbuildcredit.org’s services. You can retrieve and review the Website Terms at any time by visiting https://www.Helpbuildcredit.org and may receive paper copies by calling Helpbuildcredit.org at 1-888-981-9770.

15. Access

You are responsible for obtaining at your own expense all equipment and services needed to access and use the Website, including all devices, Internet browsers and Internet access. If you access the Website or a Website application through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services.

16. Notice Regarding Technology

Your use of the Website must comply with all applicable laws in the territory in which you access and use the Website.

17. Miscellaneous

Helpbuildcredit.org reserves the right to investigate complaints or reported violations of the Website Terms and to take any action Helpbuildcredit.org deems appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e- mail addresses, usage history, posted materials, IP addresses and traffic information. Helpbuildcredit.org reserves the right to seek all remedies available at law and in equity for violations of the Website Terms, including but not limited to the right to block access from a particular Internet address to any Helpbuildcredit.org website. These incorporate by reference any notices contained on the Website and constitutes the entire agreement with respect to access to and use of the Website, your request that Helpbuildcredit.org contact you about its credit repair services, and/or your participation in Helpbuildcredit.org’s Text Message Program. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Website Terms shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Website Terms will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Website Terms to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.

THE WEBSITE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, USA, AS THEY APPLY TO AGREEMENTS MADE SOLELY THEREIN, PROVIDED, HOWEVER, THAT THE ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW. The Arbitration Clause, the obligations in the first four paragraphs of the Website Terms, and Sections 5 through 8, 10 through 15, 17 and 18, shall survive termination of the Website Terms.

The Website Terms constitutes the entire agreement and understanding between you and Helpbuildcredit.org, except as you and Helpbuildcredit.org may later agree in writing to modify the Website Terms. The Website Terms supersedes any and all prior agreements and understandings, oral or written, relating to the subject matter hereof.

18. Confidentiality of Information

ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE WEBSITE ARE FOR INFORMATION ONLY (EXCEPTING Helpbuildcredit.org’s PRIVACY POLICY AND THE WEBSITE TERMS, WHICH ARE BINDING CONTRACTS), ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN LEGAL COUNSEL. Helpbuildcredit.org does not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Website. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. Helpbuildcredit.org reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the Website.

Any information contained on the Website with respect to results obtained by Helpbuildcredit.org is not meant to indicate that the same or equivalent results can or will be obtained in other cases or situations. Results will vary depending on the facts and circumstances of each individual matter. Prior results do not predict, warrant, or guarantee a similar outcome. References to past or present members or the circumstances of their specific matters do not constitute testimonials or endorsements by such members, nor are they a guarantee, warranty, or prediction of the outcome of your matter.

Electronic mail or other communications through this site to Helpbuildcredit.org (or any of its employees, agents, or representatives) are not secure. Accordingly, Helpbuildcredit.org does not guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Website are not confidential and your communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted emails or “Spam,” may be prosecuted to the full extent of the law. You acknowledge that by submitting communications to Helpbuildcredit.org, no confidential, fiduciary, contractually implied or other relationship is created between you and Helpbuildcredit.org other than pursuant to the Website Terms and any subsequent written agreement entered into with Helpbuildcredit.org.

Please do not use the information on our Website to distribute unsolicited bulk e-mails, solicitations or inquiries. The foregoing acts will constitute a violation of the Website Terms.

PRIVACY POLICY

This Website Privacy Policy acknowledgement is between you and Helpbuildcredit.org, owned and operated by Fowler and Associates of NJ d/b/a Helpbuildcredit.org, a New Jersey company, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“Helpbuildcredit.org,” “we” or “us”), with a principal place of business at 60 Love Lane, Bridgeton, NJ 08302. Helpbuildcredit.org recognizes your expectations of privacy and security and we greatly respect your privacy concerns. This Privacy Policy describes how we gather information, what we do with the information we collect and what steps we take to safeguard your privacy and protect your personal information.

We may make changes to this Privacy Policy at any time and will inform you of changes, as required by law. To receive the most up to date Privacy Policy, you can visit our web site at www.helpbuildcredit.com

If you have questions or concerns regarding this statement or your rights under our Privacy Policy, you should contact us at info@helpbuildcredit.org

We have organized this Privacy Policy as a series of answers to questions that we have found to be of most interest to consumers. If you do not see the answer to any question you may have about what information we collect, how we collect information and what we do with the information we collect, please contact us at the following address:

If by e-mail: info@helpbuildcredit.com

WHAT DOES THIS PRIVACY POLICY COVER?

This Privacy Policy covers what we do with any personal information you may submit or authorize us to obtain, as well as any other information that we may gather when you access any of our websites. This Privacy Policy also covers any of your personal and other information that any of our business partners may share with us.

*Please note that our policies and procedures apply only to websites owned and/or operated by us and not to websites maintained by other companies or to any website to which we may link or to unrelated businesses with which we may share information.

Personal information is any information that you provide to us or authorize us to obtain that identifies you, personally, or that can be logically associated with you. Examples of personal information would be your name, your address, your e-mail address your Social Security Number. Demographic information such as gender, age, zip code, etc., is generally not considered personal information.

We collect and use personal information to respond more completely to your requests for products and services we offer and those of our business partners, as well to service your relationship with us and any account you may have with us. We also collect personal and other information to make you aware of products and/or services that are likely to be of interest to you.

We collect and maintain the information you provide to us, such as: any information you provide to us or to one of our business partners on applications or forms when you request a product or service, such as your income and accounts with others. This information may include your name, your address, your telephone number. Depending upon the product or service you request, you may also be asked to provide additional information, such as the amount of your current unsecured debt and the identity of your creditors, information about your mortgage and other financial and personal information.

Information we receive about your transactions with us, our affiliates or others, such as your account balance, payment history and credit card usage. Information we receive from a third party, such as a credit bureau, about your credit history or employment status. Information, such as your e-mail address, that you provide to us when you register to receive communications from us or when you communicate with us through our customer service facility, or otherwise correspond with us.

We also collect other, non-personal information, which is broadly defined as any information that is not and cannot be directly associated with you. An example of this type of non-personal information would be your zip code.

We use the personal information you supply to us, or that you authorize us to obtain from our family of companies and third parties for a number of purposes, such as to provide to you the service(s) or product(s) that you request, to service your account, and to keep you informed about services that may be of interest to you. We occasionally receive medical or health information from a

customer if, for example, a customer lists a medical debt with us. We do not share medical or health information, including information received from third parties, among our companies, except to maintain accounts, process transactions or service customer requests to the extent permitted by law.

If you submit a request for a product or service, we will share the personal and other information you supply with those product and service providers that have agreed to participate in our network. Generally, these product and service providers are prohibited from using the information we provide to them for any other purpose, including using your information for other, unrelated marketing purposes.

By submitting your request, you are consenting to being contacted by us or by our business partners, through any means, based on the information you provide to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution. If, after you are contacted by that product or service provider; you do not wish to be contacted by that person again you must make a specific request to the product or service provider; not to Helpbuildcredit.com. As permitted by law, we may also share your personal and other information with a third party that provides a service or supplies a specific functionality to us, such as a call center operator. These service providers will be provided only with the information necessary for them to perform their functions and are not allowed to share any of the provided information with others for any purpose whatsoever. Additionally, we may share your personal and other information within our family of companies for several purposes, for example, to process your requests and to keep you informed of services that may be of interest to you. Any person with whom we share your personal information is also required to comply with federal and state privacy regulations and will have its own privacy policies that should be made available to you at the time you are first contacted.

We may be required to share your information with law enforcement or government agencies in response to subpoenas, court orders or other forms of legal process. We may elect to share information when, in our reasonable judgment, such sharing is necessary or appropriate for the investigation or prevention of illegal activities, including actual or suspected fraud, real or potential threats to the physical safety of any person or otherwise as required by law. In addition, if we are merged with, or acquired by, another company the successor company will have access to all of the information collected and maintained by us. In such a circumstance, the successor company would continue to be bound by the terms and conditions of this Privacy Policy.

The security of your personal information is a very high priority for us, and we take a number of steps to safeguard it. Some of the measures we take are:

Limiting access to personal information to those employers who are critical to the delivery of products and services to you.

Implementing appropriate physical, electronic and procedural safeguards to guard against unauthorized access or use.

Requiring appropriate consents and protections from our business partners before we share any personally identifiable information.

Helpbuildcredit.com and its affiliates use commercially reasonable physical and technical security measures to protect all personal information in our possession. Sensitive information such as Social Security numbers are encrypted using secure sockets layer encryption from the time of your submission and while it is stored by us. We cannot, however; guarantee or warrant the absolute security of any system or that any information we hold will not be accessed, disclosed, altered, or destroyed.

We normally retain your personal information for a reasonable time after our customer relationship with you ends, and in any event, generally not less than one (I) year from the date we first collect it. For legal reasons, we may sometimes be required to retain personal information for a longer period.

Under certain circumstances, Federal and/or state law may require us to retain your personal information for different periods of time. We may disclose personal information about former customers to affiliated and other persons in the same way and of the same types as we disclose for customers. Non-personal information may be retained indefinitely.

If you believe there are factual errors in any of the information you have submitted to us, please contact us and advise us of the error. To protect your privacy and security we may require that you verify your identity before we make any requested changes to personal information.

You can always elect not to provide personal information to us, although if you do not complete and submit the information we ask for we may not be able to provide you with the most complete responses or you may not be able to access all the available features.

You may choose to limit the way we share information about you. You may also choose to limit the solicitations we send you. These choices are referred to as “opt-outs.”

I. If you do not want us to disclose nonpublic personal information about you outside the Helpbuildcredit.com family of companies, you may choose to opt out of those disclosures. In other words, you may tell us not to share this information and we will not, except in those cases where we may be required or permitted by law. For example, required disclosures may be made to law enforcement and regulators, while permitted disclosures may be made to vendors assisting us in opening, maintaining or servicing your account.

2. Use and Sharing of Information among Companies in the Helpbuildcredit.com Family Affiliate Sharing – We may share your credit information within the Helpbuildcredit.com family of companies. Credit information includes financial information you may share with us or credit If you do not want us to share your credit information with other companies in the Helpbuildcredit.com family, you may choose to opt-out.

If you opt-out we will not share your credit information with other companies in the helpbuildcredit.com family

Affiliate Marketing – Companies in the Helpbuildcredit.com family may market their products and services to you based on information received from other companies in the Helpbuildcredit.com family. This may include any information collected about you including your income, your account history, and your credit score. If you would like to limit the offers you may receive based on this shared information, you may choose to opt out. If you opt out we will not market products or services to you based on information received from other companies in the Helpbuildcredit.com family, except as expressly permitted by law. This limitation will not apply in certain circumstances, such as if you ask to receive information from a Helpbuildcredit.com company.

IV. How to Opt-Out

Your opt-out choices will continue to apply until you tell us to change them, except with respect to limits on solicitations which we will honor for the time periods required by law. If you have previously opted out based on a Helpbuildcredit.com notice and would like to keep the same preferences, you do not need to opt out again.

Joint/Multiple Accounts: Your opt-out choices will apply to all your consumer accounts within the Helpbuildcredit.com family of companies, including joint accounts. For a joint account, an opt-out choice made by one joint account holder will only apply to that account holder.

Applicants: Unless otherwise notified, applicants who do not become our customers may not make certain privacy elections.

To exercise one or more of your opt-out choices described:

Call us 727-599-1756 or email us at: info@helpbuildcredit.com

If you wish to stop receiving e-mails from us or from a third-party e-mail service, we recommend you follow the opt-out instructions included in the e-mail.

This Privacy Policy constitutes the Helpbuildcredit.com Do Not Call Policy under the Telephone Consumer Protection Act for all consumers and is pursuant to state law. When you talk with us by telephone your conversation may be monitored or recorded by us. We maintain an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Do Not Call list. Helpbuildcredit.com has a strict “anti-spam” policy for itself and its business partners and vendors. You will not receive Helpbuildcredit.com e-mails unless you submit your email address to us or register on one of our websites to receive communications, such as our newsletter. You may tell us not to solicit you at your postal mailing address, telephone number

or e-mail address. If you elect not to receive marketing offers by postal mail, telephone and/or e-mail, please note that we may continue to contact you as necessary to service your account and for other non-marketing purposes. We may also continue to provide marketing information in your regular account mailings and statements, including online and electronic communications.

To receive our newsletter via e-mail you must sign up on one of our websites. If you decide at a later time that you no longer wish to receive our newsletter; you may unsubscribe using the “unsubscribe” link on each newsletter that you receive. If you have any problems unsubscribing, please contact us immediately at info@helpbuildcredit.com

SOCIAL SECURITY NUMBERS

Often, we do not collect your Social Security number but if we do our Privacy Policy (I) protects the confidentiality of Social Security numbers, (2) prohibits unlawful disclosure of Social Security numbers, and (3) limits access to Social Security numbers.

TESTIMONIALS

If you submit a testimonial to us, we will ask for your permission to post your testimonial prior to any public use. We will post your name as given to us in your testimonial. We may post a photo of you or use a stock photo. Please be aware that any personally identifiable information you submit as a testimonial to be posted can be read, collected, or used by the general public, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to include in any testimonial you choose to submit. If at any time you decide to remove your testimonial, please contact us via e-mail or postal mail.