Terms Of Use

© Creditjack.com,

Last Updated April 2020

This Website Terms of Use Agreement (“Website Terms”) is between you and Creditjack.com, 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) (“Creditjack.com,” “we” or “us”), with a principal place of business at 600 Stewart Street, Suite 1100, Seattle, WA 98101. 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 creditjack.com’s services, your request that Creditjack.com contact you about its credit jack services, and/or your participation in CreditJack.com’s Text Message Program. CreditJack.com’s “Text Message Program” includes sending text message(s) to CreditJack.com and/or receiving text message(s) from CreditJack.com.

1. About the Website Terms

The Website is a service made available by CreditJack.com. 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 CreditJack.com’s services, rescind your request that CreditJack.com contact you about its credit jack services, and/or discontinue your participation in CreditJack.com’s Text Message Program before the changes take effect. Your continued use of the Website, use of CreditJack.com’s services, request that CreditJack.com contact you about its Credit Jack services, and/or participation in CreditJack.com’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 CreditJack.com’s services, continue your request that CreditJack.com contact you about its credit jack services, and/or participate in CreditJack.com’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.Creditjack.com. 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 CreditJack.com’s credit jack services, general educational and informational resources about credit, and the ability to sign up for and engage CreditJack.com’s services.

3. Signing Up for CreditJack.com’s Services

You are not required to sign up for CreditJack.com’s services in order to visit and read material on the Website; however, you will need to sign up if you want CreditJack.com to assist you in your efforts to improve your credit reports and rating. If you sign up, 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 CreditJack.com’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 CreditJack.com immediately by emailing .

If you participate in CreditJack.com’s Text Message Program after you sign up for services, you may stop receiving servicing text messages by texting STOP (and no other words or characters) to the short code from which you received the CreditJack.com text message(s). Almost all STOP requests are taken care of immediately, but it may take up to 3 business days from the date you text STOP to be removed from CreditJack.com’s texting list(s). Note that texting STOP in response to a servicing text message will only stop servicing text messages, and will only stop text messages to the phone number you used to text STOP.

4. Member Files

Should you choose to sign up for CreditJack.com’s services, you will enter into a separate written agreement with CreditJack.com. Each file we create in conjunction with this separate written agreement is called a “Member File.” Your Member File will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement. Each Member File will be subject to the following:

5. Access to Member Files

You authorize CreditJack.com to provide access to your Member File(s) through its online services. You may access your Member File(s) at members.CreditJack.com (the “Member Website”) to obtain account payment information, a sequential docket of services provided and notes made to the file, credit report information received from you by CreditJack.com and input into your file, your disputing instructions, and other information. To access a Member File through the online service you must have a password and the required hardware and software. Subject to the terms of this agreement and any separate written agreement(s), you will generally be able to access your Member File through the Member Website seven days a week, 24 hours a day. Member File information is posted to the file at the time work is completed on the Member File.

At certain times, the online services may not be available due to system maintenance or circumstances beyond our control. During these times, you may call CreditJack.com at 1-800-000-0000 or send an E-mail to obtain information about your Member File.

6. 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 CreditJack.com or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, CreditJack.com 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.

7. Use of Website and Materials

CreditJack.com 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

8. 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) CreditJack.com 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.

Anonymous, aggregate information that does not contain personally identifiable information, comprising account information, or other available data that is collected through your use of the Website, may be used or licensed by CreditJack.com for various purposes including but not limited to conducting certain analytical research, performance tracking, CreditJack, helping to improve products and services and to assist in troubleshooting and technical support.

9. 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 CreditJack.com 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.

10. 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 CreditJack.com notice of such link by sending an e-mail to Creditjack.com and (c) you discontinue providing links to this Website if requested by CreditJack.com. If you wish to provide links to a section within the Website, you should forward your request to CreditJack.com and CreditJack.com will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission.

11. 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.

CreditJack.com’s services and Website, the underlying information, software and technology are subject to U.S. export controls. None of the Website services or content may be downloaded, or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria or any other country subject to U.S. sanctions applicable to the export or re-export of goods, (ii) to anyone on the U.S. Treasury Department’s List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department’s Denied Persons List, Unverified List, Entity List or Nonproliferation Sanctions List. By using CreditJack.com’s services and Website, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list, and that you acknowledge you are responsible to obtain any necessary U.S. government authorization to ensure compliance with U.S. law.

12. Disclaimer

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

13. Warranty, Liability, Indemnification

CreditJack.com 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 CreditJack.com shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use

14. Indemnity

You agree to indemnify, defend, and hold harmless CreditJack.com, 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.

15. 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 in the course of 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 so used and further agree that it may be transmitted to others whether or not within the United States in accordance with our Privacy Policy and under applicable privacy and data protection legislation. Information on how and what type of data (if any) is held about you can be obtained by clicking here to review our Privacy Policy or by contacting us.

16. 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 CreditJack.com’s services, to request that CreditJack.com contact you about its credit jack services, to participate in CreditJack.com’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 CreditJack.com or have requested that we contact you about our credit jack 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 CreditJack.com’s services. You can retrieve and review the Website Terms at any time by visiting https://creditjack.com, and may receive paper copies by calling CreditJack.com at 1-800-232-6499.

17. 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.

18. 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.