Ownership of Site; Agreement to Terms of Use

1. These Terms and Conditions of Use (the “Terms of Use”) apply to the Step 1 Credit, LLC (“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, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the positing of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, Step 1 Credit grants you personal, 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.

Content

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.

Except as expressly provided in these Terms of Use, no part of The Site and 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 by these Terms of Use, or to solicit the performance of any illegal activity or other 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.

Privacy

Step 1 Credit’s Privacy Policy applies to Use of The Site, and its terms are made part of these Terms of Use by this reference. To view Step 1 Credit’s Privacy Policy, 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.

Furthermore, in accordance with our Privacy Policy for marketing and other purposes, we may collect, process and transmit certain data obtained from and about you in the course of your accessing The Site. By agreeing to these Terms of Use you agree to such data being so used and further agree that it may be transmitted to others in the United States in accordance with our Privacy Policy and under applicable privacy and data protection legislations.

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.

Disclaimers

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 consider necessary.

Indemnity

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.

Violation of These Terms of Use

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 these Terms of Use, respond to claims that any such data violates the rights of others, or 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 determine you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of the Site. You also agree that any violation by you of these Terms of Use will constitute an unlawful and unfair business practice, and 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 of these Terms of Use, Step 1 Credit will be entitled to recover from you, and you agree 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 of these Terms of Use.

Governing Law: Dispute Resolution

You agree that all matters relating to the Terms of Use, including disputes, will 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.

If any of the provisions of these Terms of Use are held by a court of competent 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 best embodies the intent of these Terms of Use, so that these Terms of Use shall remain in full effect. These Terms of Use constitute the entire agreement between you and Step 1 Credit with regard to your USE of the Site. Step 1 Credit’s failure to insist on or enforce strict performance of these Terms of Use shall not be construed as a waiver by Step 1 Credit of any provisions or any right it has to enforce these Terms of Use.

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