LAWS AND REGULATIONS

     User access to and use of the Site is subject to all applicable federal, state and local laws and regulations.

COPY COPYRIGHT/TRADEMARKS

     The trademarks, logos and service marks ("Marks") displayed on the Site are the property of drcredit.com and other parties. Users are prohibited from using any Marks without the written permission of drcredit.com or such third party that may own the Marks. All content on the Site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the Site for commercial or public purposes without the prior written consent of drcredit.com unless otherwise indicated. User may download copyrighted material for his/her personal use only. In the event of any permitted copying, redistribution or publication of copyrighted material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. User acknowledges that he/she does not acquire any ownership rights by downloading copyrighted material. User shall not upload, post or otherwise make available on the Site any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by copyright rests with user. User shall be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to any public area of the Site, user automatically grants, or warrants that the owner of such material has expressly granted drcredit.com the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such material. User also permits any other user to access, view, store or reproduce the material for that user's personal use. User hereby grants drcredit.com the right to edit, copy, publish and distribute any material made available on the Site by user. The foregoing provisions of this Section are for the benefit of drcredit.com, its parent company, subsidiaries and affiliates and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf.

DISCLAIMER OF WARRANTIES

     ALL INFORMATION ON THE SITE IS PROVIDED TO USERS "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. drcredit.com neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than drcredit.com. Although drcredit.com has tried to provide accurate and timely information, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. drcredit.com is NOT A CREDIT COUNSELING COMPANY. The information published on this site is provided as a convenience to users and is for general informational purposes only. It may or may not reflect the most current legal developments. It is not intended to constitute legal advice or to substitute for obtaining legal advice from competent, independent, legal counsel in the relevant jurisdiction. Transmission of this information is not intended to create, and receipt does not constitute, an attorney-client, or counselor-client relationship. Internet subscribers and online readers should not act upon this information without seeking professional counsel It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Site. Other than as required under consumer protection law, under no circumstances will drcredit.com be liable for any loss or damage caused by a user's reliance upon information obtained through the Site. Although employees of drcredit.com may from time to time share their opinions, suggestions or recommendations based upon their practical experience, the experiences shared by other site visitors or their industry research, drcredit.com does not assume responsibility for any information exchanged with its users. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content..

LINKED INTERNET SITES

     This site contains links to other sites on the Internet. These links are provided for the user's convenience. Links to another site do not constitute drcredit.com's approval or endorsement of that site or its products or services. drcredit.com neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, statement, or content available on any other Internet site linked to the Site. Access to any other Internet site linked to the Site is at the user's own risk. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available on those sites. Under no circumstance will drcredit.com be liable for any loss or damage caused by a user's reliance upon information obtained through those linked sites.

LIMITATION OF LIABILITY

     drcredit.com specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of the Site, (even if drcredit.com has been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

CONFIDENTIALITY OF USER COMMUNICATIONS

     Except as required by law, drcredit.com will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to drcredit.com Postings by a user on any message board or in any chat room will not be protected as confidential and drcredit.com may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by drcredit.com. Messages that users send to drcredit.com by e-mail may not be secure. drcredit.com recommends that users do not send any confidential information to drcredit.com by e-mail. Information that users transmit to drcredit.com and any information that drcredit.com transmits to users, may be intercepted by third parties. If users choose to send any confidential information to drcredit.com via e-mail, users accept the risk that this information may be intercepted by a third party.

POSTINGS

     drcredit.com is under no obligation to review any messages, information or content ("Postings") posted on the Site by users. drcredit.com. assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, drcredit.com may from time to time monitor the Postings on the Site to determine compliance with this Agreement and to satisfy any law, regulation or authorized government request. drcredit.com may, in its sole discretion, decline to accept, edit or remove any Postings that contain:

     Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law. Advertisements or solicitation(s) of any kind. Messages posted by users impersonating others. Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references. Messages by non-spokesperson employees of drcredit.com purporting to speak on behalf of drcredit.com. Messages that offer unauthorized downloads of any copyrighted or private information. Multiple messages placed within individual folders by the same user restating the same point. Chain letters of any kind.

TRANSMISSION OF PERSONAL DATA

     User acknowledges and agrees that by providing drcredit.com with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with drcredit.com's standard business practices.

COMPLIANCE WITH LOCAL LAWS

     drcredit.com controls and maintains this site from the United States of America and makes no representation that materials are appropriate or available for use in other locations. Users visiting the Site from other locations are responsible for compliance with applicable local laws.

PRODUCTS AND SERVICES

     The products and services referred to on this web site are offered by or through drcredit.com or its parent, subsidiary or affiliate entities. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services and they may not be available in all geographic areas.

VIOLATIONS OF RULES AND REGULATIONS

     drcredit.com reserves the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.

ACCESS TO PASSWORD PROTECTED/SECURE AREAS

     Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

CHANGES TO RULES AND REGULATIONS