FullTimeCreditRepair.com Terms of Service Agreement

Updated 05/20/2024

This Website Terms of Use Agreement (“Website Terms”) is between you and Forday Holdings LLC, doing business as FullTimeCreditRepair.com (“FullTimeCreditRepair,” “we,” or “us”), with a principal place of business at 201 Covina Ave 2 Ave Long Beach CA 90803. These Website Terms govern your use of the FullTimeCreditRepair.com website (the “Website”), your engagement of FullTimeCreditRepair’s credit repair services, your request that FullTimeCreditRepair contact you about its credit repair services, and/or your participation in FullTimeCreditRepair’s Text Message Program. By using the Website, engaging FullTimeCreditRepair’s services, requesting that FullTimeCreditRepair contact you about its credit repair services, and/or participating in FullTimeCreditRepair’s Text Message Program, you signify your agreement to these Website Terms.

Privacy Policy: FullTimeCreditRepair’s Privacy Policy applies to your use of the Website, all services provided by us, your request that FullTimeCreditRepair contact you about its credit repair services, and/or your participation in FullTimeCreditRepair’s Text Message Program. The Privacy Policy is an integral part of these Website Terms, and by using the Website, engaging our services, requesting that FullTimeCreditRepair contact you about its credit repair services, and/or participating in FullTimeCreditRepair’s Text Message Program, you acknowledge that you have reviewed FullTimeCreditRepair’s Privacy Policy and agree to its terms.

Use of Artificial Intelligence: FullTimeCreditRepair utilizes artificial intelligence (AI) technologies, including but not limited to applications such as ChatGPT, to assist in providing credit repair services. By engaging our services, you acknowledge and consent to the use of AI technologies in the analysis, preparation, and management of your credit repair needs. The use of AI aims to enhance the efficiency and effectiveness of our services, though the final review and actions are managed by our qualified team.

Arbitration: By using FullTimeCreditRepair’s Website, engaging FullTimeCreditRepair’s services, requesting that FullTimeCreditRepair contact you about its credit repair services, and/or participating in FullTimeCreditRepair’s Text Message Program, you agree to arbitrate all claims between you and FullTimeCreditRepair on an individual basis only and not as a part of any class. This agreement to arbitrate governs all past, current, and prospective interactions with FullTimeCreditRepair. You agree that you are waiving all rights to a trial by jury, to participate in a class-action lawsuit or class-action arbitration, and to bring an action against FullTimeCreditRepair in a court of law. You may individually arbitrate any claim against FullTimeCreditRepair in any jurisdiction in the United States. FullTimeCreditRepair will reimburse you up to $300 of your arbitration filing fee. The rules of the American Arbitration Association then in force shall govern the arbitration. The arbitrator shall have the authority to interpret these Website Terms and decide issues related to the arbitration process. This Agreement to Arbitrate is governed by federal law, including the Federal Arbitration Act, while the remainder of the Website Terms is governed by the laws of the state of [insert state] as provided in Section 17 below.

About the Website Terms: The Website is a service made available by FullTimeCreditRepair. If you do not agree to these Website Terms, you may not use the Website. We may modify the Website Terms at any time, and your continued use of the Website after any such changes take effect constitutes your acceptance of the modified terms. It is your responsibility to regularly review the Website Terms by visiting [insert website link]. The Website Terms may be supplemented by additional terms and conditions applicable to specific areas of the Website or to particular transactions or content posted on the Website.

About the Website: The Website provides information about FullTimeCreditRepair’s credit repair services, general educational and informational resources about credit, and the ability to sign up for and engage FullTimeCreditRepair’s services.

Engagement of FullTimeCreditRepair’s Services: You are not required to engage FullTimeCreditRepair’s services in order to access and use the Website. However, if you wish to receive FullTimeCreditRepair’s assistance in improving your credit reports and rating, you will need to engage FullTimeCreditRepair’s services. When engaging FullTimeCreditRepair, you agree to provide accurate and complete information. Each engagement is for a single person only, unless you have an appropriate Power of Attorney. Unauthorized use of FullTimeCreditRepair’s services on behalf of another person is strictly prohibited. If you believe there has been unauthorized use, you should notify FullTimeCreditRepair immediately by emailing [insert email address].

Case Files: If you engage FullTimeCreditRepair’s services, you will enter into a separate written agreement with FullTimeCreditRepair. Each legal file created in conjunction with this separate written agreement is called a “Case File.” Each Case File is subject to the terms or instructions appearing on the Website, FullTimeCreditRepair’s policies and procedures, and applicable state and federal laws and regulations.

Access to Case Files: FullTimeCreditRepair provides access to your Case File through its online services. You may access your Case File at [insert website link] to obtain account payment information, a sequential docket of services provided and notes made to the file, credit report information received from you by FullTimeCreditRepair, your disputing instructions, and other information. Access to your Case File requires a password and the necessary hardware and software. FullTimeCreditRepair will make reasonable efforts to ensure the availability of the online services, but they may be temporarily unavailable due to maintenance or other factors beyond FullTimeCreditRepair’s control.

Ownership: The Website and its content are protected by copyrights, trademarks, and other intellectual property rights owned by FullTimeCreditRepair or third parties. You may not remove any copyright, trademark, or other proprietary notice from any electronic or printed copy of the content.

Use of Website and Materials: FullTimeCreditRepair provides the Website and its materials for your individual, non-commercial use. Any other use of the Website or materials is strictly prohibited. You may not modify, republish, redistribute, delete, resell, sublicense, publicly perform, reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, sell, sublicense, or transfer the underlying source code or structure of the Website. You may not use any device or software that interferes with the proper working of the Website or take any action that violates the Website Terms or the rights of others.

License: By using the Website, uploading content, or submitting materials for use on the Website, you grant FullTimeCreditRepair 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 information generated through the use of the Website.

Automated Activity: You agree not to use any automated means to access the Website without FullTimeCreditRepair’s express written permission. You also agree not to bypass FullTimeCreditRepair’s robot exclusion methods or other measures used to prevent or restrict access to the Website.

Linking: You may provide links to the homepage of the Website, provided you do not remove or obscure any portion of the homepage, give FullTimeCreditRepair notice of the link, and discontinue providing links if requested by FullTimeCreditRepair. To provide links to specific sections within the Website, you must obtain permission from FullTimeCreditRepair.

Representations: You represent and warrant that you are legally capable of entering into contracts, providing accurate and up-to-date information, complying with the Website Terms and applicable law, and that your use of the Website will not violate the rights of any third party. You also acknowledge that FullTimeCreditRepair’s services and Website are subject to U.S. export controls.

Disclaimer: FullTimeCreditRepair makes every effort to ensure the accuracy of the information presented on the Website. However, FullTimeCreditRepair makes no guarantee as to the accuracy of such information and is not responsible for any resulting loss or damage.

Warranty, Liability, Indemnification: FullTimeCreditRepair provides the Website and materials on an “as is” basis and disclaims any and all warranties, express or implied. FullTimeCreditRepair shall not be liable for any damages, losses, or claims resulting from the use of the Website or materials. You agree to indemnify and hold FullTimeCreditRepair harmless from any claims, liabilities, damages, costs, or expenses arising from your violation of the Website Terms.

Privacy: FullTimeCreditRepair may collect, process, and transmit data obtained from and about you in accordance with its Privacy Policy. By agreeing to the Website Terms, you consent to the use and transmission of your data as described in the Privacy Policy.

Electronic Notices and Transactions: You agree to transact with FullTimeCreditRepair electronically and receive important notices and documents electronically. You are responsible for maintaining a valid email address and updating it as necessary. FullTimeCreditRepair is not liable for any loss or damage resulting from your failure to receive electronic communications.

Access: You are responsible for obtaining the necessary equipment and services to access and use the Website. If you access the Website through a mobile or wireless device, you are responsible for any related fees charged by your carrier.

Notice Regarding Technology: Your use of the Website must comply with all applicable laws in your jurisdiction.

Miscellaneous: FullTimeCreditRepair reserves the right to investigate complaints or violations of the Website Terms and take appropriate action. The Website Terms constitute the entire agreement between you and FullTimeCreditRepair and supersede any prior agreements. The Website Terms are governed by the laws of the state of Utah, USA. In the event of any invalid or unenforceable provision, such provision