(“Step 1Credit) website located at www.Step1Credit .com, and all associated sites
linked to www.Step1Credit.com by Step 1 Credit, LLC, it’s subsidiaries and affiliates.
This agreement is between the party clicking any entries contained in the site and/or
using the site (“you”) and Step 1 Credit, LLC (“we” or “us”), with principal place of
business at 23 Corporate Plaza Dr., Ste. 150, Newport Beach CA 92660.
2. Step 1 Credit reserves the right, at its sole discretion to change, modify,
following the positing of changes will mean that you accept and agree to the changes.
non-exclusive, non-transferable, limited privilege to enter and use this site. Your
permission to access and use The Site may be terminated at any time for any reason
or for no reason by you or us. You accept that The Site is provided on an “as is,
as available” basis.
The materials included in The Site are for general informational purposes only and do
not constitute legal advice. They are not intended to be a substitute for obtaining
legal advice from legal counsel. All articles and materials displayed by us on the
site are for information only, are no substitution for specific advice, and are in
no manner to be considered legal advice or other licensed professional advice or a
substitute for specific legal advice. Step 1 Credit does not represent or endorse
the accuracy of or the reliability of any advice, opinion, statement or other
information that may be displayed or distributed through The Site.
no Content may be copied, reproduced, republished, uploaded, posted, publicly
displayed or distributed in any way to any other computer, server, website, or
other medium for publication or distribution or for any commercial enterprise
without Step 1 Credit’s express written consent.
The Site is protected by copyright pursuant to US copyright laws. Your are
authorized to download one copy of materials displayed or delivered to you
on one personal computer for your personal, non commercial use, provided you
do not remove any proprietary notice language, or remove or amend trademark or
copyright controlled by Step 1 Credit. You may not make modifications to any
such information and not make any representations of warranties relating to such documents.
Step 1 Credit may make changes to The Site, including the availability of access
to the database, content, webpage materials, product information and prices on the Site,
at any time, without notice or liability. Step 1 Credit may limit or restrict access to
parts or all of The Site without notice or liability.
Your Use of the Site
You may not use The Site or any Content for any purpose this is unlawful or prohibited
activity which infringes the rights of Step 1 Credit or others.
You represent and warrant that you are at least eighteen (18) years of age.
click here. By using this Site, you acknowledge and agree that Internet transmissions
are never completely private or secure. You understand that any message or information
you send to the Site may be read or intercepted by others, even if there is a special
notice that a particular transmission (for example, credit card information) is encrypted.
we may collect, process and transmit certain data obtained from and about you in the
data being so used and further agree that it may be transmitted to others in the United
Accounts, Passwords and Security
Services offered by Step 1 Credit may include an username and login password. You are
entirely responsible for maintaining the confidentiality of the information you hold
for your account, including your password, and for any and all activity that occurs on
your account as a result of your failing to keep this information secure and confidential.
You agree to notify Step 1 Credit immediately for any unauthorized use of your account or
password, or any breach of security. You may be held liable for any losses incurred by
Step 1 Credit or any other user of or visitor of the Site due to someone else using your
Step 1 Credit password or account as a result of your failing to keep your account
information secure and confidential.
You may not use anyone else’s Step 1 Credit username or password at any time without
express permission and consent of the holder of that Step 1 Credit username or password.
Step 1 Credit cannot and will not be liable for any loss or damage arising from your
failure to comply with these obligations.
Links to Other Sites and to the Step 1 Credit Site
This Site may contain links to other independent third-party websites (“Linked Sites”).
These Linked Sites are provided solely as a convenience to our visitors. Such Linked
Sites are not under Step 1 Credit’s control, and Step 1 Credit is not responsible for
and does not endorse the content of such Linked Sites, including any information or
materials contained on such Linked Sites. You will need to make your own independent
judgment regarding your interaction with these Linked Sites.
STEP 1 CREDIT DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, SERVICE OR FEATURE OF
THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED,
OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE SITE AND ITS CONTENT
ARE DELIVERED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE
SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. STEP 1 CREDIT CANNOT ENSURE THAT ANY FILES OR
OTHER DATA YOU DOWNLOAD FROM THE SITE OR SERVER WILL BE FREE OF VIRUSES OR CONTAINMINATION
OR DESTURCTIVE FEATURES. STEP 1 CREDIT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING ANY WARRANTIES FOR ACCURACY, NON-INFRINGMENT, MERCHANTABILITY AND FITNESS FOR
A PARTICULAR PURPOSE. STEP 1 CREDIT DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMMISSSIONS
AND CONDUCT OF ANY THRID PARTINES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE
AND/OR ANY STEP 1 CREDIT SERVICES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE
SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST STEP 1 CREDIT FOR DISSATISFACTION
WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS
LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.
The above disclaimer applies to any damages, liability or injuries caused by any
failure of performance, error, omissions, interruption, deletion, defect, delay in
operation or transmission, computer virus, communication line failure, theft or
destruction of or unauthorized access to, alteration of, or use, whether for breach
of contract, tort, negligence or any other cause of action.
Step 1 Credit reserves the right to do any of the following, at any time, without
notice; to modify, suspend or terminate operation of or access to the Site, or
any portion of the Site for any reason; to modify or change the Site, or any
portion of the Site, and any applicable policies or terms; and to interrupt the
operation of the Site, or any person of the Site, as necessary to perform routine
or non-routine maintenance, error correction or other changes.
Limitation of Liability
Except where prohibited by law, in no event will Step 1 Credit be liable to you for
any direct, indirect, consequential, special, exemplary, incidental or punitive
damages, including loss of profits. Loss of income, loss of use, loss of data,
loss caused by virus, loss of or damage to property, claims of third parties,
or other losses of any kind or character even if Step 1 Credit has been advised
of the possibility of such damages. You assume total responsibility for
establishing such procedures for data back up and virus checking, as you
You agree to indemnify and hold Step 1 Credit, its officers, directors, shareholders,
predecessors, successors in interest, employees, agents, subsidiaries, and affiliates,
harmless from any demands, loss, liability, claims or expenses (including attorney’s
fees and costs) made against Step 1 Credit by any third party due to or arising out
of or in connection with your use of this Site.
Step 1 Credit may disclose any information we have about you (including identity)
if we determine such disclosure is necessary in connection with any investigation
or complaint regarding your use of the Site, or to identify, contact or bring legal
action against someone who may be causing injury to or interference with (either
intentionally or unintentionally) Step 1 Credit’s rights or property, or the rights
or property of visitors to or users of the Site, including Step 1 Credit’s clients or
customers. Step 1 Credit reserves the right at all times to disclose any information
that Step 1 Credit deems necessary to comply with any applicable law, regulation,
legal process or governmental request. Step 1 Credit also may disclose your information
when Step 1 Credit determines that applicable law requires or permits such disclosure,
including exchanging information with other companies and organizations for fraud protection purposes.
You acknowledge and agree that Step 1 Credit may preserve any transmittal or communication
by you with Step 1 Credit through the site or any service offered on or through the Site,
and may also disclose such data if required to do so by law or Step 1 Credit determines that
such preservation or disclosure is reasonable necessary to comply with legal process, enforce
protect the rights, property or personal safety of Step 1 Credit, its employees, users of
or visitors to the Site and the public.
You agree that Step 1 Credit may, in its sole discretion and without prior notice,
terminate your access to the Site and/or block your future access to the Site if we
may be associated with your use of the Site. You also agree that any violation by you
will cause irreparable harm to Step 1 Credit, for which monetary damages would be
inadequate, and you consent to Step 1 Credit obtaining any injunctive or equitable
relief that Step 1 Credit deems necessary or appropriate in such circumstances.
These remedies are in addition to any other remedies Step 1 Credit may have at law or equity.
You agree that Step 1 Credit may, in its sole discretion and without prior notice,
terminate your access to the Site, for cause, which includes, but is not limited to,
request by law enforcement or other government agencies, a request by you (self
initiated account deletion), discontinuance or material modification of the Site or
any services offered on or through the Site, unexpected technical issues or problems.
If Step 1 Credit does take any legal action against you as a result of your violation
to pay, all reasonable attorneys fees and costs of such action, in addition to any relief
granted to Step 1 Credit. You agree that Step 1 Credit will not be liable to you or to
any third party for termination of your access to the Site as a result of any violation
Governing Law: Dispute Resolution
be governed by the laws of the State of California without regard to its conflict of
laws provision. You agree to the sole and exclusive jurisdiction by and venue in the
state and federal courts in Orange County, California, and waive any objection to such
jurisdiction or venue.
jurisdiction to be void or unenforceable, such provisions shall be limited or
eliminated to the minimum extent necessary and replaced with a valid provision that
1 Credit with regard to your USE of the Site. Step 1 Credit’s failure to insist on or
Disclosure Statement Required Pursuant to Federal Law
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
You have a right to dispute inaccurate information in your credit report by contacting
the credit bureau directly. However, neither you nor a credit repair company or credit
repair organization has the right to have accurate, current and verifiable information
removed from your credit report. The credit bureau must remove accurate, negative information
from your report only if it is over 7 years old. Bankruptcy information can be reported
up to 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You
may be charged a reasonable fee. There is no fee, however, if you have been turned
down for credit, employment, insurance, or a rental dwelling because of information
in your credit report within the preceding 60 days. The credit bureau must provide
someone to help you interpret the information in your credit file. You are entitled
to receive a free copy of your credit report if you are unemployed and intend to apply
for employment in the next 60 days, if you are a recipient of public welfare assistance,
or if you have reason to believe that there is inaccurate information in your credit
report due to fraud.
You have a right to sue a credit repair organization that violated the Credit Repair
Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any
reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the
information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute that
accuracy of information in your credit file. The credit bureau must then reinvestigate
and modify or remove inaccurate or incomplete information. The credit bureau may not
charge any fee for this service. Any pertinent information and copies of all documents
you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction,
you may send a brief statement to the credit bureau to be kept in your file, explaining
why you think the record is inaccurate. The credit bureau must include a summary of your
statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations.
For more information contact: The Public Reference Branch Federal Trade Commission
Washington, D.C. 20580