Credilife Financial Terms of Use

Terms of Use Last Updated October 2011

Welcome to Credilife.com. Credilife Financial and/or its affiliates ("Credilife Financial") provide website features to you subject to the following conditions. If you visit or purchase products at Credilife.com, you accept these conditions. Please read them carefully. In addition, when you use any current or future Credilife Financial Products or website features (i.e., Your Profile, Login, or Downloadable Credit Builder E-Kit) you also will be subject to the guidelines/terms and agreements ("Terms") applicable to individual product sales. If these conditions are inconsistent with the Terms, the Terms will control.

All items contained in the offer or sale of Credilife Financial products, including all products contained in the Credit Builder E-Kit are for informational purposes only. These products are not intended to provide individual advice or guidance and are not a substitute for legal or professional financial advice. For individual advice, seek the advice of a qualified attorney or certified financial planner.

PRIVACY

Please review our Privacy Notice, which also governs your visit to Credilife.com, to understand our practices.

ELECTRONIC COMMUNICATIONS

When you visit Credilife.com or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

ELECTRONIC CONTRACTING ACKNOWLEDGMENT

You may be required to sign various agreements/contracts in connection with the purchase of Credilife Financial products.  You can choose to sign these agreements/contracts electronically as the method provided for on the website checkout, or you can sign them in writing.  If you wish to sign the required agreements/contracts in writing rather than electronically, you can print the agreements/contracts found at the checkout in connection with your purchase by using the printer icon.  Once you have signed the agreements/contracts please mail them along with your corresponding payment to 2500 Weston Rd. Weston, FL 33331 or fax them to 954-446-7442. Once received, you will be contacted by a representative who will set up your account and send you the product(s) that you agreed/contracted to purchase.  If you choose to utilize the electronic method of signing your documents, then you acknowledge and agree that any contracts entered into electronically, on our website, be legally valid and enforceable in accordance with their terms to the same extent as if you had executed them using your handwritten signature.

COPYRIGHT

All content included on this site, such as text, graphics, logos, button icons, images, audio/video clips, digital downloads, data compilations, and software, is the property of Credilife Financial, or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Credilife Financial and protected by U.S. and international copyright laws. All software used on this site is the property of Credilife Financial or its software suppliers and protected by United States and international copyright laws.

TRADE MARKS

Credilife, Credilife Financial, MTA, MTA Financial, MTA Financial LLC, Credit Builder E-Kit, First-Aid Financial Kit, and other Credilife.com graphics, logos, page headers, button icons, scripts, and service names are trademarks, registered trademarks or trade dress of Credilife Financial in the U.S. and internationally.

LICENSE AND SITE ACCESS

Credilife Financial grants you a limited license to access and make personal use of this site and not to download (other than page caching or authorized E-kit downloads) or modify it, or any portion of it, except with express written consent of Credilife Financial. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Credilife Financial. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Credilife Financial without express written consent. You may not use any meta tags or any other "hidden text" utilizing Credilife Financial's name or trademarks without the express written consent of Credilife Financial. Any unauthorized use terminates the permission or license granted by Credilife Financial. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Credilife Financial.com so long as the link does not portray Credilife Financial, or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Credilife Financial logo or other proprietary graphic or trademark as part of the link without express written permission of Credilife Financial.

THIRD PARTY LINKS

In an attempt to provide increased value to our visitors, Credilife Financial may link to sites operated by third parties. However, even if the third party is affiliated with Credilife Financial, Credilife Financial has no control over these linked sites, all of which have separate privacy and data collection practices, independent of Credilife Financial. These linked sites are only for your convenience and therefore you access them at your own risk. Nonetheless, Credilife Financial seeks to protect the integrity of its web site and the links placed upon it and therefore requests any feedback on not only its own site, but for sites it links to as well (including if a specific link does not work).

YOUR ACCOUNT

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Credilife Financial reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders at their sole discretion.

PRODUCT DESCRIPTIONS

Credilife Financial attempts to be as accurate as possible. However, Credilife Financial does not warrant that product descriptions or other content of this site is accurate, complete, reliable, current, or error-free. If a product offered by Credilife Financial itself is not as described, your sole remedy is to return it in unused condition.

PRICING

The displayed price for products on our website represents the full retail price listed on the product itself.

TYPOGRAPHICAL ERRORS

In the event that a Credilife Financial product is mistakenly listed at an incorrect price, Credilife Financial reserves the right to refuse or cancel any orders placed for product listed at the incorrect price. Credilife Financial reserves the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is cancelled, Credilife Financial will issue a credit to your credit card account in the amount charged

REFUND POLICY

Credilife Financial offers a 30 day full money back guarantee. If for any reason the customer/ buyer would like to return any product(s), he/she may do so within 30 days.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
THIS SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE ARE PROVIDED BY CREDILIFE FINANCIAL ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. CREDILIFE FINANCIAL MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, CREDILIFE FINANCIAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CREDILIFE FINANCIAL DOES NOT WARRANT THAT THIS SITE; INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE; THEIR SERVERS; OR ELECTRONIC COMMUNICATIONS SENT FROM CREDILIFE FINANCIAL ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CREDILIFE FINANCIAL WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

APPLICABLE LAW
By visiting Credilife.com, you agree that the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Credilife Financial.

SITE POLICIES, MODIFICATION, AND SEVERABILITY
Credilife Financial does sell products for children, but it sells them to adults, who can purchase with a credit card or other permitted payment method. We reserve the right to make changes to our site, policies, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

OUR ADDRESS
Credilife Financial
2500 Weston Rd
Weston, FL 33326
www.credilife.com

COMMENTS AND/OR QUESTIONS

If you have any questions, comments or concerns arising from the website, the privacy policy, or terms of use policies please contact us.