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Consolidated Credit
Terms of Use
Wednesday, September 1st, 2010

Website Terms of Use

This Website is owned and provided by Consolidated Credit Counseling Services, Inc. (including its affiliates), doing business as MissMoneyBee.com, and is provided for your personal entertainment, information, and education. Your use of this Website is subject to the following terms and conditions. Your use of the Website constitutes your acceptance of these terms and conditions and your agreement to be bound by them. If you do not agree to these terms or if you do not agree to our Privacy Policy posted on this site, please do not use this Website or any services offered by this Website.

We reserve the right to change these terms and conditions at any time without notice. Please check back often to ensure you are aware of any updates or changes to these terms.

United States only

Unless otherwise specified, the materials in this Website are presented solely for the purpose of promoting products or programs available in the United States, its territories, possessions, and protectorates. We make no representation that materials in the site are appropriate or available for use in other locations. If you access the site from locations other than the United States, you are responsible for compliance with any applicable local laws.

Copyright and Intellectual Property Policy

All names, logos, service marks, and trademarks appearing in this Website, including the trademarks, service marks, brand identities, characters, trade names, graphics, designs, copyrights, trade dress, and all other intellectual property (“Content”), except as otherwise noted, are protected intellectual property of, or used with permission or under license by, Consolidated Credit Counseling Services, Inc. and its affiliates. This includes the entire Content of the Website, copyrighted and protected as a collective work.

The use or misuse of these trademarks or any other content on this site, except as provided in these Terms of Use or in the site content, is strictly prohibited. You may print copies of the information on this site for your personal use, store the files on your computer for personal use, or reference this server from your own documents. However, you may not distribute text or graphics to others without our express written consent. Also, you may not, without our permission, copy and distribute this information on any other server, or modify or re-use text or graphics on this system or another system. We reserve all other rights.

Your use of the Website is limited to personal and non-commercial use only unless other uses are granted expressly to you. You may not copy, distribute, modify, transmit, reuse, re-post, or otherwise display the Website Content for public or commercial purposes without our permission for such use of Content.

Consolidated Credit Counseling Services, Inc. respects the intellectual property of others, and we ask our users to do the same. Consolidated Credit Counseling Services, Inc. has no responsibility for content on other websites that you may find or access when using Consolidated Credit Counseling Services, Inc.’s products or services. Material available on or through other websites may be protected by copyright and the intellectual property laws of the United States and/or other countries. The terms of use of those websites, and not this Website’s Terms of Use, govern your use of that material.

It is Consolidated Credit Counseling Services, Inc.’s policy, in appropriate circumstances and at its discretion, to disable and/or terminate the accounts of users who may infringe or repeatedly infringe the copyrights or other intellectual property rights of Consolidated Credit Counseling Services, Inc. and/or others.

User Submitted Content

From time to time, this Website may allow users to post text, images, audio, video, links to other sites, or other content to the Website. As a consequence, you may see materials that have been submitted to this site by individuals not affiliated with Consolidated Credit Counseling Services, Inc. Neither Consolidated Credit Counseling Services, Inc. nor any of its affiliates endorses these individuals nor are we in any way associated with any of the materials that they may post on this Website or link to from this Website. Neither Consolidated Credit Counseling Services, Inc. nor its affiliates (nor their respective officers, employees, or agents) shall have any responsibility or liability of any nature whatsoever arising in connection with any materials provided by these individuals or in connection with any conduct of these individuals.

Notice for Claims of Intellectual Property Violations and Agent for Notice

If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please provide Consolidated Credit Counseling Services, Inc. Copyright Agent with the following information:

  1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  2. a description of the copyrighted work or other intellectual property that you claim has been infringed;
  3. a description of where the material that you claim is infringing is located on the Website, with enough detail that we may find it;
  4. your address, telephone number, and email address;
  5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law;
  6. a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

Consolidated Credit Counseling Services, Inc.’s Agent for Notice of claims of copyright or other intellectual property infringement can be reached as follows:

By phone
1-800-233-3328

By fax
(954) 377-9711

Disclaimer

The information available through this Website may not be helpful to everyone and is not intended as a substitute for professional financial advice. Your financial advisor is better able to determine whether given financial strategies are right for you, and you should always consult your financial advisor before changing your financial planning. Do not rely on any information available through this site in place of listening to, or seeking professional financial advice.

Without limiting the foregoing, everything on the Website is provided to you “AS IS” WITHOUT WARRANTY OF ANY KIND EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR TITLE AND NON-INFRINGEMENT. ADDITIONALLY, WE DO NOT WARRANT THAT THE WEBSITE(S) OR THE SERVERS MAKING THE SITE(S) AVAILABLE ARE VIRUS FREE. We do not warrant that the functions contained in these materials will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the result of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise.

Your use of the Website is at your risk. Neither Consolidated Credit Counseling Services, Inc. nor any of its affiliates will be liable for any damages including direct, indirect, incidental, consequential, or punitive damages, arising out of your access to or use of the Website and however caused, whether in contract or tort. If you become dissatisfied in any way with this Website or its Terms of Use or Privacy Policy, your sole and exclusive remedy is to stop using this Website and its services. (Some states do not allow the disclaimer of implied warranties or the exclusion or limitation of certain types of damages, so these provisions may not apply to you. If any portion of these limitation on liability is found to be invalid or unenforceable for any reason, then the aggregate liability of Consolidated Credit Counseling Services, Inc. and its affiliates shall not exceed one hundred dollars ($100).)

Links

This Website may contain Links allowing you to leave this Website for other sites that are not under our control. We are not endorsing any such Linked sites. We are not responsible for the contents or transmission of any Linked Site or any Link contained in a Linked Site or for ensuring that the Linked Sites are error and virus free. Nor are we responsible for the terms of use or privacy practices of such sites. We encourage you to carefully read the policies of each site you visit.

Submitted ideas

All comments, suggestions, ideas, notes, drawings, concepts, recipes or other information disclosed or offered to us by you through this Website or in response to solicitations in this Website shall be deemed and shall remain our property. You understand and acknowledge that we have both internal resources and other external resources which may have developed or may in the future develop ideas identical to or similar to the suggestion or comments to suggestions and that we are only willing to consider the suggestion on these terms. In any event, any suggestion is not submitted in confidence and we assume no obligation, express or implied by considering it. Without limitation, we shall exclusively own all now known or hereafter existing rights to the suggestions of every kind and nature throughout the Universe and shall be entitled to unrestricted use of the comments for any purpose whatsoever, commercial or otherwise without compensation to the provider of the suggestions.

Privacy Policy

We take your privacy and your privacy concerns very seriously. That is why we have adopted our Privacy Policy explaining our online information collection practices and the choices you can make about the way information is collected and used. Please read and understand our Privacy Policy.

Choice of Law and Enforcement Your access to the Website as well as the terms and conditions and the agreement they create are governed and interpreted by the laws of the State of Florida without regard for conflict of laws provisions.

Agreeing to Terms

If you do not agree to these Terms of Use or the Privacy Policy posted on the Website, please do not use this site or any services offered by this site. We reserve the right to make changes to these terms at any time. Please check back from time to time to ensure you are aware of any updates or changes. Your use of our Website indicates acceptance of all terms.

Contact Information

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