quickcreditz.com’s Terms and Conditions

Last updated: January 30th, 2025.

AGREEMENT BETWEEN USER AND quickcreditz.com

These Terms and Conditions of Use (“Agreement”) are a legal agreement between you and quickcreditz.com, LLC (hereinafter referred to as “Website Owner”, “We”, “US”, “Our”, “quickcreditz.com”), the owner and developer of quickcreditz.com (the “Site”). By using, registering, or otherwise interacting with the Site in any way whatsoever, including through any service provided through quickcreditz.com, you agree to be bound by all the terms and conditions (the “Terms”) set forth in this Agreement. You understand that you are not able to modify these terms and that you must accept all terms “AS-IS.” Should you choose not to accept all Terms herein, simply do not register your information, make use of, or interact with this Site.

This Agreement contains a binding arbitration agreement in Section XVI titled Dispute Resolution by Binding Arbitration in this Agreement, which provides that you and Website  Owner, and any of Website Owner’s principals, employees, affiliates, members, or officers as well as all independent service and technology providers who provide services to or on the Site, agree to resolve all disputes arising out of or relating to your registration, use, and/or interaction with the Site in any way whatsoever through binding individual arbitration and not in any class or mass arbitration setting, and that you and we both give up any right to have any dispute between the parties be decided in a court by a judge or a jury. You have the right to opt out of our agreement to arbitrate. See Section XVI  Dispute Resolution by Binding Arbitration section of this Agreement. YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS.

The Site is a financial education and referral website that provides financial education materials to consumers about how to properly tackle their finances and debt and connects consumers with independent third-party financial service providers that provide debt relief financial services and help consumers to live healthier financial lives. You understand that when you call the number on our Site, you may be connected with one of our representatives or you may be directly connected with one of our partners, or a third-party to assist you. Independent third-party financial service providers may charge fees for their services and have their own terms of service. quickcreditz.com is not responsible and does not guarantee any outcomes from these independent third-party financial service providers. quickcreditz.com does not guaranty that Independent third-party financial service providers provide service in your state.

Please be advised that quickcreditz.com’s Privacy Policy is hereby incorporated by reference into this Agreement. The Privacy Policy explains how we collect, protect, share and use your information as a part of our Site, and all of our product and services.

I. MODIFICATION OF THESE TERMS OF USE

quickcreditz.com RESERVES THE RIGHT, WITH OR WITHOUT NOTICE, TO MAKE CHANGES TO THE TERMS AT ITSDISCRETION. YOU SHOULD REVIEW THIS AGREEMENT PERIODICALLY TO DETERMINE IF ANY CHANGES HAVE BEEN MADE. THE MOST CURRENT VERSION OF THESE TERMS, WHICH WILL BE NOTED BY THE “LAST UPDATED” DATE HEREIN, SUPERSEDES ALL PREVIOUS VERSIONS. REGARDLESS OF WHETHER OR NOT YOU REVIEWED THE CHANGES TO THESE TERMS, YOU EXPRESSLY ACKNOWLEDGE THAT YOUR CONTINUED USE OF ANY PART OF THIS SITE OR ANY FEATURE ON OUR SITE CONSTITUTES YOUR ACCEPTANCE TO ALL TERM CHANGES TO THIS AGREEMENT.

II. LINKS TO THIRD PARTY SITES

This Site may contain links to external websites (“Linked Sites”). The Linked Sites are not under the control or management of quickcreditz.com, and quickcreditz.com is not responsible for the contents of any and all Linked Site, including without limitation any links contained in a Linked Site or any changes or updates to a Linked Site. quickcreditz.com is not responsible for webcasting or any other form of transmission received from any Linked Site. quickcreditz.com is providing these links to you only as a convenience, and the inclusion of any links to Linked Sites does not imply endorsement by quickcreditz.com of the Linked Site or any association with its operators.

III. NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Site, you warrant to quickcreditz.com that you will not use the Site for any purpose that is unlawful, prohibited by law and/or regulation, or is prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, negatively impact or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information from the Site through any means not intentionally made available or provided for through quickcreditz.com on this Site.

IV. YOU ARE RESPONSIBLE FOR YOUR FINANCIAL DECISIONS

quickcreditz.com, through our Site and affiliates sites, may provide you with a venue through which you can obtain educational financial information as well as learn about various independent third-party service providers, such as financial institutions, credit card providers, debt management or debt settlement companies, credit repair providers, lenders and other financial professionals (“Service Providers”). You understand and acknowledge that quickcreditz.com may be compensated by Service Providers for referrals made through this Site. quickcreditz.com does not guarantee the accuracy or completeness of any of the information provided on the Site or with regards to the Service Providers and are not responsible for any loss resulting from your reliance on such information.

You agree that you are to examine the information provided and conduct your own research of whether the Service Providers marketed on this Site fit your financial situation. We do not endorse or recommend the products or services of any Service Provider, and we are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers you are considering engaging with. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide you, and that quickcreditz.com is not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of any Service Provider’s products or services. We urge you to obtain the advice of qualified professionals (such as tax advisor, accountant, lawyer, etc.) who are fully aware of your individual circumstances before you make any financial decisions. By interacting with any Service Providers, you acknowledge and agree that you solely rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

V. NO GUARANTEE OF QUOTES, FEES, TERMS, RATES, COVERAGE OR SERVICES

We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers to whom you may be referred to from our Site. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available in the marketplace. You may be able to find better fitting offers elsewhere.

VI. USE OF COMMUNICATION SERVICES

The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send, and receive messages and material that are related to the contents of this Site, the education materials in this Site, or the services promoted or marketed by this Site. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not under any circumstances:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
• Conduct or forward surveys, contests, pyramid schemes or chain letters.
• Download any file posted by another user of a Communication Service that you reasonably should know or reasonably believe, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Violate the Terms under this Agreement and/or the terms of this Site’s Privacy Policy.
• Violate any applicable laws or regulations.

quickcreditz.com has no obligation to monitor the Communication Services. However, quickcreditz.com reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. quickcreditz.com reserves the right to terminate your access to any or all the Communication Services at any time without notice for any reason whatsoever. quickcreditz.com reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or refuse to post or to remove any information or materials, in whole or in part, is quickcreditz.com’s sole discretion.

You are advised to always use caution when giving out any personally identifying information (“PII”) about yourself, your spouse, your children, or your household generally in any Communication Service even if offered on this Site. quickcreditz.com does not control or endorse the content, messages or information found in any Communication Service and, therefore, quickcreditz.com specifically disclaims all warranties and liability associated with, or in regards to, the Communication Services, including but not limited to any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized quickcreditz.com spokespersons, and their views do not necessarily reflect those of quickcreditz.com. Materials uploaded to a Communication Service may be subject to size posting limitations, limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

VII. MATERIALS PROVIDED TO quickcreditz.com OR POSTED AT ANY quickcreditz.com’S SITE

quickcreditz.com does not claim ownership of the materials you provide to quickcreditz.com (including feedback and suggestions) or post, upload, input or submit to any quickcreditz.com Site or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, submitting, or providing your Submission you are granting quickcreditz.com, its affiliated companies and necessary affiliate of quickcreditz.com a non-exclusive, royalty free, perpetual license to use your Submission and/or its contents in connection with the operation of the Site or business including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. quickcreditz.com is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at quickcreditz.com’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

VIII. ELECTRONIC COMMUNICATIONS USE

All website interactions and phone calls are recorded for marketing, compliance and quality assurance purposes.

1. Telephone Consumer Protection Act Compliance

   quickcreditz.com takes the Telephone Consumer Protection Act (“TCPA”) compliance with outmost seriousness. Therefore, any TCPA procedures are pursuant to a strict TCPA compliance policy of Company. This provision outlines our general consent requirements and acknowledgements which you will be subject to in the event you submit a TCPA consent form or contact form seeking a communication from us. By providing us with your name, email, phone number on the submission form containing the TCPA disclosure, and signing using your E-Sign signature, you expressly authorize quickcreditz.com, LLC to contact you (including using autodialers, automated text and artificial or pre-recorded messages) via your telephone, cellphone, mobile device (including via Short Message Service (“SMS”) or wireless internet (“WAP Service”)) and bot chats or via email, even if your telephone number is currently listed on any state or federal Do Not Call list. In the event that you have previously requested to be on the Company’s Do Not Call List, you understand that even if you submit a request to be called again, the Company policy is not to contact anyone who requested to be on the Company’s Do Not Call List. You understand that standard phone and data charges may apply. Your TCPA consent is not required, and you are not required to complete a TCPA Consent form as a condition of receiving our services.  You also consent to the recording and monitoring of all calls to and from us. You represent you are the owner or authorized user of the mobile device, and the phone number associated with that mobile device to which we will be making phone calls and on which messages will be received, and that you are authorized to approve all applicable charges associated with the receipt of message from us. You may opt out of receiving calls and/or messages to your telephone or mobile device at any time by any and all reasonable methods, including responding to a text message with any of the following words “stop,” “quit,” “end,” “revoke,” “opt out,” “cancel,” or “unsubscribe,” or notifying us at [email protected], or via our interactive or automated voice or key press revocation method if on the call with us, and you may opt out of receiving emails by clicking the “Opt-out” link on the bottom of the email. You acknowledge and agree that only United States residents may use the SMS or WAP Service to communicate with us.

2. Data Security of SMS and WAP Service Communications

   SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. quickcreditz.com does not guarantee that your use of the SMS or WAP Services will be private or secure, and quickcreditz.com will not be liable to you under any circumstance for any lack of privacy or security breach caused to you or that you may experience while sending or receiving SMS or WAP Services using your mobile device. You are fully responsible for taking all precautions and ensuring security measures are taken by you when using the SMS or WAP Service. You acknowledge and agree quickcreditz.com may obtain from your carrier’s wireless account information regarding the device you are using with your carrier for the purpose of identifying and resolving technical problems and enhancing your service experience with our Site. Please review our Privacy Policy for additional information governing privacy of your personal information.

3. Instant Debt Advisor^SM

   The Site includes newly developed SaaS application known as Instant Debt Advisor^SM by All Clear Decisioning, LLC (“All Clear”), a leading fintech SaaS platforms and tools development company. The Instant Debt Advisor^SM (“Debt Advisor”) asks you simple questions and obtains from you certain personal identifiable information, including but not limited to: your full legal name, address, phone number, social security number, approval to do a soft pull to your credit, current finances, and other relevant information regarding your debt and financial situation. Then, with the information you provided while using proprietary automated decision making technology, the Debt Advisor analyzes your finances and you overall financial situation, analyzes potential programs or products that are likely to be beneficial for you from vetted service providers, and provides you with choices of products or solutions to allow you to take control of your finances and improve your financial situation.
   You understand and agrees that All Clear, as the developer of the Debt Advisor platform, may have access to the information you enter or provide the Debt Advisor. In addition to quickcreditz.com’s privacy policy, the information shall be also subject to All Clear’s privacy policy. For more information regarding All Clear’s Privacy Policy, please visit All Clear Privacy Policy.
   The Debt Advisor automated decision making is heavily dependent on your responses to questions and accuracy of the information imputed into the Debt Advisor. You understand and agree that you, and only you, are responsible to for the information inserted and answers given to the Debt Advisor inquiries. Failure to respond accurately or completely to the inquiries of the Debt Advisor will impact your results.
   You agree that the information you will provide in the Debt Advisor belongs to you, or you are an authorized person who has authority to provide the information on another’s behalf. You agree that you will use the Debt Advisor for personal use only, and under no circumstance use it for commercial, financial, or any other activity in which you may gain a financial benefit from. You are prohibited from providing another person’s information without the authority of that person, and in the event, it has been determined that you have violated this prohibition, you understand that quickcreditz.com and/or All Clear may report your actions to the authorities.
   You also understand and agree that should you purposefully provide false or inaccurate information, or personal information which does not belong to you, you will be required to indemnify and hold harmless quickcreditz.com, All Clear, and any third-party provider from all damages, claims, demands, or suits arising out of, or relating to your false or inaccurate information, or unauthorized impersonation of another consumer, including but not limited to any and all attorney fees (including inhouse counsel fee) and costs spent as a result of your conduct.
   Moreover, you understand and agree that neither quickcreditz.com nor All Clear are your service providers or will be responsible to provide you with services. You are asked to, and you should, conduct an independent review of each of the options provided by the Debt Advisor, and independently examine the best service provider which fits your situation. You understand that quickcreditz.com and/or All Clear are unable to influence the results of any product or service you may choose, and that you may choose to first consult with a professional advisor before signing up or making use of any service provider or product you are recommended by the automated Debt Advisor. Under no circumstance shall quickcreditz.com and/or All Clear be liable to you for issues rendered by a service provider, and you understand that the Debt Advisor is merely a referral tool based on information provided by you and processed on your behalf.
   The Debt Advisor SaaS platform is provided AS-IS with all faults, errors to code, design issues, software issues, or other issues that may be impacted by your browser or our Site. Neither quickcreditz.com nor All Clear will be liable for any latency issues, error in results, issues in submission or otherwise arising our of or relating to your use of the Debt Advisor.
   In the event that you choose to use the Debt Advisor on quickcreditz.com’s Site in connection with an application or request by you, depending on where you reside, you may request that we disclose to you the following: (i) an explanation of the decision making process; and/or (ii) how you may obtain a different result. For more information regarding this disclosure requirement please see quickcreditz.com’s Privacy Policy.

IX. LIMITATION OF LIABILITY AND WARRANTY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES, OLD INFORMATION, OR TYPOGRAPHICAL ERRORS, AND IN NO WAY SHOULD BE INTERPERTED AS ERROR FREE. quickcreditz.com MAKES PERIODICAL CHANGES TO THE INFORMATION AND MATERIALS PROVIDED ON THE SITE, AND MAY UPDATE OR CORRECT ANY INACCURACIES, OLD INFORMATION, OR OTHER TYPOGRAPHICAL ERRORS ON THE WEBSITE. IN ADDITION, quickcreditz.com AND/OR ITS SITE ADMINISTRATOR MAY MAKE IMPROVEMENTS AND/OR CHANGES TO SITE AT ANY TIME.

quickcreditz.com AND/OR ITS SITE ADMINISTRATOR MAKE NO REPRESENTATIONS ABOUT AND DISCLAIM ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED WITH RESPECT TO THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE (WHETHER ITS OWN OR LICENSED FROM THIRD PARTIES), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR AVAILABLE THROUGH THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE (WHETHER ITS OWN OR LICENSED FROM THIRD PARTIES), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

Furthermore, ALL Opinions, general advice, statements or other comments on the site MAY BE THAT OF THE WRITER AND ARE NOT ASSUMED OR ADOPTED BY quickcreditz.com, AND SHOULD not necessarily be relied upon BY YOU. YOU UNDERSTAND AND AGREE THAT ALL OPINIONS, GENERAL ADVICE, STATEMENTS OR COMMENTS are not to be construed as professional advice from quickcreditz.com, ITS EMPLOYEES, or ITS Website Owner AND SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS. YOU SHOULD MAKE YOUR OWN INDEPENDENT RESEARCH AND ANALYSIS REGARDING THE OPINIONS, STATEMENTS, information, and general advice RECEIVED VIA THE SITE, AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

quickcreditz.com MAY PROVIDE YOU WITH VARIOUS TOOLS AND SOFTWARE THROUGHOUT THE SITE TO ASSIST YOU IN VARIOUS TASKS OR ALLOW YOU TO SUBMIT AND EXAMINE YOUR ELIGIBILITY FOR VARIOUS SERVICES PROVIDED BY THIRD PARTY PROVIDERS. SOME TOOLS AND SOFTWARE MAY REQUIRE YOU TO PROVIDE CERTAIN PERSONAL INFORMATION AND/OR WILL BE DEPENDENT ON INFORMATION INPUTED BY YOU IN ORDER TO PROVIDE YOU WITH ACCURATE RESULTS BASED ON AUTOMATED DECISIONS. YOU UNDERSTAND AND AGREE THAT NEITHER quickcreditz.com NOR ITS TECHNOLOGY PARTNER ALL CLEAR DECISIONSING, LLC (WHICH PROVIDES PART OF AUTOMATED DECISIONING SOFTWARE ON THE SITE), ARE RESPONSIBLE OR LIABLE FOR THE AUTOMATED DECISIONING SYSTEM’S RESULTS WHICH WILL DEPEND ON YOUR INFORMATION INPUT, AND ANY INACCURACY (WHETHER ON PURPOSE OR NOT) MAY EFFECT THE ACCURACY OF THE RESULTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL quickcreditz.com AND/OR ITS WEBSITE OWNER, OFFICERS, EMPLOYEES, MEMBERS, OR REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH: THE USE OR PERFORMANCE OF THE quickcreditz.com SITE; WITH THE DELAY OR INABILITY TO USE THE quickcreditz.com SITE OR RELATED OR OFFERED SERVICES; THE PROVISION OF OR FAILURE TO PROVIDE SERVICES BY quickcreditz.com OR ANY THIRD-PARTY WHICH MAY MARKET ITS SERVICES ON quickcreditz.com; OR ARISING OUT OF OR RELATING TO ANY INFORMATION, SOFTWARE (WHETHER OWNED BY quickcreditz.com OR LICENSED TO quickcreditz.com BY A THIRD PARTY), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE quickcreditz.com SITE; OR OTHERWISE ARISING OUT OF OR RELATING TO THE USE OF THE quickcreditz.com SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF quickcreditz.com OR ANY OF ITS SUPPLIERS, PARTNERS, THIRD PARTY VENDORS, OR TECHNOLOGY PROVIDERS, HAVE BEEN ADVISED OF THE POSSIBILITY OF A CLAIM, DISPUTE, DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU IF YOU LIVE IN A STATE/JURISDICTION THAT EXPRESSLY PROHIBITS THE USE OF LIMITATION OF LIABILITY. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE quickcreditz.com SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE quickcreditz.com SITE.

X. TERMINATION/ACCESS RESTRICTION

quickcreditz.com may establish areas on the Site which may require obtaining access credentials. Should you obtain such access to restricted areas on the Site, quickcreditz.com reserves the right, in its sole discretion, to terminate your access to the quickcreditz.com Site and the related services or any portion thereof at any time, without notice.

In the event that you misuse our Site, the tools and software on our Site, or otherwise breach the terms of these Terms and Conditions or the Privacy Policy, you understand that quickcreditz.com reserves the right, in its sole discretion, terminate your access and/or use of the Site, or any tool or software on the Site.

XI. SITE NOT INTENDED FOR USE BY MINORS UNDER THE AGE OF 18

The Site is not designed or directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) through the Site. Information of minors that is considered PII under the Children Online Privacy Protection Act (COPPA) includes: (i) First and last name; (ii) Physical address that includes street and town or city name; (iii) E-mail address; (iv) Online identifier that permits an individual to be contacted directly (e.g. an IM name, video or audio chat username, or other form of screen name); (v) Telephone number; (vi) Social security number; (vii) Image, video or audio containing an individual’s image or voice; (viii) Information sufficient to identify the home or other physical address of an individual; (ix) A cookie number, IP address, unique device number or other persistent identifier that can be used to track and recognize an individual over time and across different websites or apps; and/or (x) Hobbies, interests, information collected through the use of cookies, and any other information collected from a child that is either about that child or the parents/guardians of that child that, when combined with any of the above, can be used to identify the child.

quickcreditz.com does not knowingly or willfully collect PII from minors under 18 years of age without parental consent. If you believe your minor child provided his information on our site in disregard of these Terms and Conditions, we request that you notify us in writing by contacting us via email at [email protected], and inform us immediately so we can take all reasonable measures to remove and delete any PII provided by your child through our Site or the tools provided on our Site. For more information regarding this policy please visit our Privacy Policy.

XII. COPYRIGHT AND TRADEMARK NOTICES:

quickcreditz.com, and the quickcreditz.com logo are registered trademarks, trade names or service marks of quickcreditz.com, LLC or its related companies. All other trademarks and service marks presented on the Site are the property of their respective owners, and quickcreditz.com has obtained permission to use them in association with the educational information and referral services provided. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of quickcreditz.com or the owner of such trademark or service mark. You acknowledge and understand that you have no rights to any trademarks, service marks, copyrights. quickcreditz.com reserves all rights to its Intellectual Property on the Site.

XIII. COPYRIGHT INFRINGEMENT POLICY:

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2)(“DMCA”), quickcreditz.com will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

• a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;
• identification of the copyrighted work(s) claimed to have been infringed, including copyright date;
• identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;
• information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;
• a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and
• a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

quickcreditz.com’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:

Designated Agent – Copyright Infringement Claims
quickcreditz.com LLC
8220 W. State Road 84,
Fort Lauderdale, FL 33324
Email: [email protected]

XIV. YOUR INDEMNIFICATION REQUIREMENTS

You agree to defend, indemnify and hold quickcreditz.com and its officers, directors, shareholders, employees, independent contractors, agents, representatives, technology partners (All Clear), and affiliates harmless from any and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or related to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete, and current personally identifiable information (“PII”) in response to any request form on our Site, through a tool or software on our Site, or specifically on the Debt Advisor on our Site; (iii) your access or use of Services through our Site; (iv) access to our Site or use of our Services under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); (vi) the Services you receive from any of the Service Providers to which you were referred by us; and/or (vii) any personal injury or property damage caused by you.

XV. GENERAL / MISCELLANEOUS TERMS

• Governing Law, Jurisdiction, Venue; Waiver of Jury Trial. This Agreement is governed by the laws of the State of Florida, without regards to any choice of law provisions or principles. Should you properly and timely opt out of Arbitration, you hereby consent to the exclusive jurisdiction and venue of state or federal courts sitting in Broward County, Florida, in all disputes arising out of or relating to the use of the quickcreditz.com’s Site. If you did not opt out of Arbitration, please see the Arbitration provision below for the applicable law and jurisdiction governing your arbitration. You and we agree to submit to the personal jurisdiction of the courts located within Broward County, Florida for the purpose of litigating all such claims or disputes. SHOULD YOU PROPERLY AND TIMELY OPT OUT OF ARBITRATION, YOU, NONETHELESS, UNDERSTAND THAT EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY THAT MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES AND, THEREFORE, EACH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.
• Relationship of the Parties. You agree that no joint venture, independent contractor, partnership, employment, or agency relationship exists between you and quickcreditz.com as a result of this Agreement or use of the quickcreditz.com Site.
• Applicability of Laws. quickcreditz.com’s performance of this Agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of quickcreditz.com’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the quickcreditz.com Site or any information provided to or gathered by quickcreditz.com with respect to such use. Use of the quickcreditz.com Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.
• Severability. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
• Entire Agreement. Unless otherwise specified herein, this Agreement, along with our Privacy Policy, any Notices and Disclosures on our Site, which are incorporated herein by reference, together constitute the entire agreement between the You and quickcreditz.com with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and quickcreditz.com with respect to the quickcreditz.com Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this Agreement and all related documents be drawn up in English despite having these terms in translated to other languages.
• Amendments to this Agreement. We reserve the right to update, amend and/or change this Agreement at any time in our sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon us posting the updated Agreement on our Services. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.

XVI. Dispute Resolution by Binding Arbitration – IMPORTANT NOTICE WAIVING YOUR RIGHT TO BRING A CLAIM BEFORE A JUDGE OR JURY IN COURT.

In the event of any controversy between you and quickcreditz.com, including but not limited to any demand, claim, suit cross claim, counterclaim, or third-party complaint or dispute, whether contractual, statutory, in tort or otherwise (including but not limited to our technology providers, designated servicers, and any fulfillment provider working on your behalf) arising out of, or in any way relating, to our relationship, including but not limited to this Agreement, our Privacy Policy, Site Disclaimers, use of the quickcreditz.com Site, the information on quickcreditz.com’s Site, any referral services provided by quickcreditz.com, any quickcreditz.com’s TCPA consent form, or alleged TCPA violation by quickcreditz.com, or the breach, termination, enforcement, interpretation, or validity of the Agreement or its performance, including any determination of the scope, enforcement or applicability of this provision to arbitrate, shall be resolved by binding arbitration in the nearest metropolitan area to the county in which you reside, or at such other location upon which the parties may agree upon. This agreement to arbitrate shall be governed exclusively by the Federal Arbitration Act (“FAA”), 9 U.S.C. §1 et sec., which shall govern the interpretation and enforcement of our mutual agreement to arbitrate, and not by any state rule or statute governing arbitration and without regards to any state arbitration law. This agreement to arbitrate shall survive termination of the Agreement. The Parties agree to the following Arbitration Terms:

1. Arbitration Administration. The Arbitration shall be administered by the American Arbitration Association (“AAA”) (www.adr.org), the Judicial Arbitration Mediation Services (“JAMS”), or another nationally known consumer arbitration service agreed by the parties in the event AAA and JAMS no longer conduct consumer arbitrations. The Party who intends to seek arbitration must first send to the other Party a written Notice of Dispute before filing it with the arbitration service provider. The Notice must describe both the nature and basis of the dispute; and the specific relief sought. Any notice shall be deemed to have been given and received for all purposes when delivered by hand, a day after receipt through a nationally recognized overnight courier, or a day after being received through certified or registered mail, postage and charges prepaid, return receipt requested, to us at: quickcreditz.com, LLC, Attn: Legal Department, 8220 W. State Road 84, Fort Lauderdale, FL 33324.
2. Commencement and Rules of Arbitration. If we do not resolve a claim within 30 days after receipt of the Notice, the party sending the Notice may commence an arbitration proceeding with the AAA, JAMS, or another national arbitration provision if AAA or JAMS are unavailable, by filing a Demand of Arbitration in effect at the time the action is commenced. If you choose to file with the AAA, you may download or copy the form to initiate arbitration from the following website: http://www.adr.org/consumer. The AAA shall provide the parties a list of 5 arbitrators in which the parties may agree on an arbitrator. If the parties cannot mutually agree on an arbitrator, the parties shall rank the arbitrators and the AAA shall appoint a single arbitrator who shall administer the arbitration proceeding pursuant to its Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer-Related Disputes (“AAA Rules”), with the exception of Mass or Class Arbitration rules. The AAA Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. If you choose to file with JAMS, you may download or copy the form to initiate arbitration from the following website: https://www.jamsadr.com/adr-forms. JAMS shall provide the parties a list of 5 arbitrators in which the parties may agree on an arbitrator. If the parties cannot mutually agree on an arbitrator, the parties shall rank the arbitrators and the JAMS shall appoint a single arbitrator who shall administer the arbitration proceeding pursuant to its Commercial Dispute Resolution Procedures and the Consumer Arbitration Minimum Standards (“JAMS Rules”), with the exception of Mass or Class Arbitration rules. In the event another arbitration service is provided, the parties agree to follow the rules and principles of that arbitration service, except as to any rights to Mass or Class Arbitration rules which the Parties expressly agree will not apply.
3. The Arbitrator. The selected arbitrator shall be either a retired judge or an experienced attorney, shall be neutral and independent, and shall comply with the selected arbitration service’s code of ethics. The Arbitrator shall conduct the arbitration in a civil manner and ensure civility of the parties while making their arguments. Additionally, in conducting the arbitration hearing, in addition to the selected arbitration service rules, the arbitrator shall be guided by the Federal Rules of Civil Procedure, the Federal Rules of Evidence, and Florida substantive law, and in case of a federal law based claim the applicable federal law at issue.
4. The Arbitration Award. The Arbitrator shall issue a written reasoned award in which the arbitrator shall address the claims, defenses, evidence presented, entitlement of legal fees and arbitration costs (including arbitrator costs and any expert witness costs), and legal reasoning in making his decision. If the Arbitrator determines that reasonable attorney fees and costs may be awarded under applicable law, the parties agree that the arbitrator shall determine the amount of reasonable attorneys’ fees to be awarded. Any award rendered by the arbitrator shall be final and binding and shall not be subject to vacation or modification, except as expressly permitted by the Federal Arbitration Act. Judgment on the Arbitration Award may be entered in the jurisdiction in which the arbitration was commenced or in any court having jurisdiction over the Party against whom judgment is to be entered.
5. Waiver of Right to Bring Mass or Class Actions. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported mass, class, or other representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person’s claims and may not otherwise preside over any form of representative or class proceeding.
6. Limitation on Injunctive Relief: The arbitrator may award injunctive relief only in favor of an individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim.
7. Costs of Arbitration: Payment of all filing, administration and arbitrator fees will be governed by the selected arbitration service rules. Each party shall bear its own attorneys’ fees, if any, unless such fees are expressly provided for by applicable law. In the event that a party fails to proceed with Arbitration, unsuccessfully challenges the Arbitrator’s award, or fails to comply with the Arbitrator’s award, the other party shall be entitled to costs of suit, including reasonable attorneys’ fees for having to compel Arbitration or defend or enforce the award.
8. Arbitration Opt-Out. YOU MAY OPT-OUT OF THE TERMS OF THIS ARBITRATION PROVISION BY PROVIDING quickcreditz.com WITH NOTICE IN WRITING WITHIN THIRTY (30) DAYS OF FIRST USING OUR SITE. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing either by U.S. mail delivered to: Attn: Legal Department, quickcreditz.com, LLC, 8220 W. State Road 84, Fort Lauderdale, FL 33324 or by email delivered to [email protected]. You must include: (1) your name and residence address; (2) the email address and/or mobile telephone number associated with your account; and (3) a clear statement that you want to opt out of this agreement to arbitrate.
9. What does arbitration mean? By agreeing to arbitration, we both acknowledge and agree that we are each: (i) waiving the right to pursue any other available dispute resolution processes, including, but not limited to, a court action or administrative proceeding, (ii) waving the right to participate in any class or mass action, (iii) waving the right to a trial by either a judge or jury, and (iv) giving up any right to appeal the arbitrator’s decision, except for a limited range of appealable issues expressly provided in the FAA. This section is considered by the parties to be an integral and non-voidable requirement and part of this Agreement, and the parties agree that prior to signing this Agreement including agreeing to this section they: (1) have had the opportunity to review such carefully, including with their own legal counsel if needed, (2) the parties understand the limitations on legal rights contained in this section including, but not limited to, the waiver of jury trial, the waiver of court proceeding and class actions, and (3) the parties consent and agree that this section is fair, reasonable, represents the intentions of each party at the time of entry into this Agreement, and should not be set aside later for any reason by any court. This section and the arbitration requirement shall survive termination.

Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change.

XVII. Contact Us

Should you have questions regarding these terms or need additional information regarding our services, you may reach us via mail or email at:

quickcreditz.com, LLC

8220 W. State Road 84,
Fort Lauderdale, FL 33324
Email: [email protected]

PLEASE PRINT AND MAINTAIN A COPY OF THESE TERMS AND CONDITIONS FOR YOUR RECORD. MAKE SURE TO PERIODICALLY CHECK OUR TERMS AND CONDITIONS FOR UPDATES.

quickcreditz.com PRIVACY POLICY

Last updated: January 30th, 2025.

quickcreditz.com, LLC (“quickcreditz.com”) is the operator of this web site. This Privacy Policy (hereinafter sometimes referred to as the “Notice” or “Privacy Policy” or “Privacy Notice”) applies to this quickcreditz.com online interface (i.e., website or mobile application (“App(s)”)) (the “Site”). The term “quickcreditz.com” or “we” or “us” or “our” in this Notice refers to quickcreditz.com, and any of quickcreditz.com’s affiliates or subsidiaries that may adopt this Notice or certain applicable portions of this Notice. This Notice describes how this Site, or any quickcreditz.com landing pages linked to this Site (quickcreditz.com’s landing pages and this Site shall collectively refer to as “Sites”), may collect, use, store, and share information from or about you, and explains how information collected from or about you may be, used for advertising purposes or shared with third parties. quickcreditz.com may provide other online interfaces not covered by this Notice, which shall be subject to their own privacy notices. If you visit or access your services from one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used and shared.

Agreement to this Policy: This Privacy Policy is incorporated by reference into quickcreditz.com’s Terms and Conditions, including the obligation to arbitrate your claims under this Privacy Policy pursuant to your agreement to arbitrate in Section XVI titled Dispute Resolution by Binding Arbitration. See Section XVI  Dispute Resolution by Binding Arbitration section of this Agreement. By using, interacting with, entering information, or viewing information on this Site, you expressly acknowledge and consent to this Privacy Policy in it’s entirety, including providing you your consent to our use and disclosure of information collected from, or about, you in the manner described herein. You agree that quickcreditz.com will rely on your use and interaction with this Site as your express consent to the terms of this Privacy Notice. YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS AND THIS PRIVACY POLICY.

Outline

1. INFORMATION WE MAY COLLECT
2. HOW WE MAY COLLECT YOUR INFORMATION
3. HOW DO WE USE YOUR PERSONAL INFORMATION
4. HOW YOUR INFORMATION MAY BE SHARED
5. YOUR DATA RIGHTS
6. DATA SECURITY
7. MISCELLANEOUS

I. INFORMATION WE MAY COLLECT

quickcreditz.com may collect certain information, including Personally Identifiable Information (“PII”), in accordance with the law and to provide you with exemplary services.

In particular, quickcreditz.com may collect the following categories of PII:

1. General Identifying Information: General Identifying Information may include, but not limited to, you full name, postal address, e-mail address, telephone number, social media account ID, profile photo, other data made publicly available, or data made available by linking your social media or other similar identifiers.
2. Demographic Information and Important Dates: Demographic Information and Important Dates may include, but not limited to, you gender, language preferences, nationality, and/or date of birth.
3. Financial Information: Financial Information may include, but not limited to, your credit, debit, or other payment data, bank account information, personal financial statements, or other financial personal information about you or your household.
4. Credit Information: Credit Information may include, but not limited to, your credit score, credit accounts status, and other creditworthiness information about you or your household.
5. Internet or Other Electronic Information: Internet or other Electronic Information may include, but not limited to, your web history, search history, interactions with a website, email, applications, or advertisements, IP address, IP Host location, enabled cookies, or any other information that may be automatically obtained from you while making use of the Sites.
6. Geolocation information: Geolocation information may include, but not limited to, your real-time location or GPS coordinates data provided by your computer or mobile device or web browser, data derived from your IP address, general location based on nearby Wi-Fi networks or cell towers, location history records, geotags in content uploaded to the Site, or other user location information entered by you.
7. Inferences drawn from the above information about your predicted characteristics.
8. Categories that may be considered Sensitive Personal information: Such information may include Government Identifiers, Financial Information, Credit Information, or other sensitive information as defined by applicable law.

Notice Regarding Sensitive Personal Information

“Sensitive Personal Information” means any information that could be used to identify you individually and that relates to your finances or financial accounts with us. This includes, but is not limited to:

• Social Security number.
• Account numbers.
• Transaction history.
• Credit score and credit reports.
• Investment information.
• Personal financial statements.
• Any other information which is used or associated with a financial account belonging to you or your financial well being.

Purposes of Collection:

We collect Sensitive Information for the following purposes:

• Providing and maintaining financial services and products (e.g., processing transactions, managing accounts, recommending financial relief services).
• Verifying your identity and protecting against fraud.
• Complying with legal and regulatory requirements.
• Improving our services and offerings.
• Marketing products and services by us or third-parties service providers (subject to your opt-out choices).

Third Parties with Whom Personal Identifiable Information or Sensitive Personal Information May Be Shared.

We may share your PII and/or Sensitive Information with the following types of third parties:

• Affiliates: Companies within our corporate family for the purposes outlined in this policy.
• Our Service Providers: Companies that perform services on our behalf, such as data processing, marketing, and customer support. We contractually require these providers to protect the confidentiality and security of your Sensitive Information.
• Third Party Financial Service Providers: Companies that preform financial services for consumers to whom consumers who use our Site may be referred to.
• Other Financial Institutions: Other financial institutions with whom we partner to offer specific products or services.
• Government Agencies: As required by law or legal process.

Consent and Opt-Out Options:

We may share your PII and/or Sensitive Personal Information for marketing purposes with our affiliates and third-party partners. You have the right to opt out of this sharing at any time. To opt out, please visit our “Limit the Use of My Sensitive Information” page.

We may share your PII and/or Sensitive Personal Information with third party service providers and financial institutions as necessary to provide you with financial services and products. You may not opt out of this sharing, as it is essential for us to fulfill our contractual obligations to you.

Other Information We Collect Online

Other Information is any information, other than Personal information, PII, or Sensitive Personal Information, which does not reveal your specific identity, such as browser information, information collected through cookies, pixel tags, web beacons and other technologies, demographic information, and aggregated and de-identified data. Other Information may also include geographic information, referral information and URL information.  Although such information may not by itself reveal your specific identity, it could be used by third parties that have independent relationships with you to identify you, your web activities and your interests. 

We may also install cookies, web beacons or other technologies, including technologies that identify the dialing, routing, addressing and signaling information generated by Sites users, that provide access to third parties to your information, including but not limited to your IP address and browsing activity on pages of our Sites where these devices are placed. Cookies may be active for a period of anywhere from 30 to 90 days, however, you may remove cookies using your browser settings. You understand that we do not control any information gathered by such devices or its use by such third parties. These third parties are required to handle your personal information in accordance with their own privacy policies and applicable data protection laws and regulations.

You agree that any such PII, Sensitive Personal Information, or Other Information collected through cookies, pixel tags, web beacons and other technologies, including any technologies that identify the dialing, routing, addressing and signaling information generated by website users may be used and shared by quickcreditz.com as provided in this Notice.

In general, we may use or use these different types of cookies:

• Strictly Necessary Cookies: These cookies are necessary to enable the basic features of our Sites and Apps, such as providing a secure log-in or booking a stay.
• Functional Cookies: These cookies allow our Sites to remember your site preferences and choices you make on the site. We also use functional cookies to facilitate navigation, to display content more effectively, and/or to personalize your experience.
• Advertising Cookies: Advertising cookies allow us to select which advertisements or offers are most likely to appeal to you. We also use them to track responses to online advertisements and marketing, and we may use them to better understand your interests so we can present you with relevant messages and offers. These cookies may also allow you to share certain pages with social networks.
• Analytics Cookies: Analytics cookies help us improve our Sites and Apps by collecting and reporting information on how you use it.
• Instant Debt Advisor’s Essentials and Non-Essentials Cookies:
  • Essential Cookies: Cookies necessary for the core functionality of the application and cannot be disabled without impacting the user experience. In our application essential cookies include:
    • Authentication Cookies: Used to manage user sessions and ensure secure access to the application.
    • Application Performance Cookies: Necessary for maintaining service reliability, such as load balancing and ensuring smooth operation of the app.
    • Compliance Cookies: Used for functionality like screen recording to capture user actions for TCPA compliance and acceptance certificates.
    • Load Balancing Cookies: Ensure efficient distribution of network traffic across servers.
    • Security Cookies: Protect the website and user from malicious activities.
  • Non-Essential Cookies: Cookies that enhance the user experience but are not required for the application to function. Users can accept or reject these cookies without impacting the application’s core functionality. Examples include:
    • Analytics Cookies: Google Analytics for tracking user behavior, understanding usage patterns, and improving the application.
    • Marketing or Personalization Cookies: (If applicable) Used for targeted advertising or customizing user experience based on preferences.

You can learn more about cookies at: http://www.allaboutcookies.org/manage-cookies/index.html↗.

Cookie Choices.

There are several ways to manage cookies:

1. Browser settings: You can opt out of cookies on your browser. Every browser is different, please check the instructions provided by your browser. Note should you choose to opt out of cookies on your browser or disable cookies, such action may impact your use of our Site.
2. Cookies Preferences: Through our “Cookie Preferences” tool.
3. Google and Adobe Analytics: We collect data through Google Analytics and Adobe Analytics, which use cookies and technologies to collect and analyze data about the use of Online Services. These services also collect data regarding the use of other websites, apps, and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/↗ and opt out by downloading the Google Analytics opt out browser add-on, available at https://tools.google.com/dlpage/gaoptout↗.

Advertising Choices

We may use third-party advertising companies to serve advertisements on our Site. To serve such advertisements, these companies place or recognize a unique cookie on your browser (including through use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn about your choices in connection with it, please visit:

1. http://www.networkadvertising.org/managing/opt_out.asp↗ ;
2. http://www.aboutads.info/↗,  or
3. https://business.safety.google/privacy/↗.

II. HOW WE COLLECT YOUR INFORMATION

We may collect PII and/or Sensitive Personal Information from you in the following ways:

1. Directly from you when you visit our Sites or contact us regarding our products or services.
2. From third parties such as credit reporting data (accounts, pay history, balances)or lead generation data.
3. Indirectly from you such as through your interactions with our Sites or through the use of cookies or other related tracking software.
4. From marketing or analytics partners, such as Google, Meta, or other third-party partners.
5. From government agencies or public records.
6. Various third parties, such as public databases, joint marketing partners, financial service providers.
   
   

III. HOW DO WE USE YOUR PERSONAL INFORMATION

We may use your PII and/or Sensitive Personal Information for the following purposes:

1. to respond to your inquiries and fulfill your requests.
2. to inform you about important information regarding the Site, products or services for which you may apply or in which you are enrolled, changes to terms, conditions, and policies and/or other administrative information.
3. to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you, including ads on other websites, or from affiliated or unaffiliated third parties.
4. to personalize your experience on the Site.
5. to refer you to various financial service providers that may offer you various financial services independently of our Site.
6. to allow you to apply for various products or services and evaluate your eligibility for such products or services.
7. to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to services you may enroll in, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your Personal information.
8. to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions, and to administer these activities. These activities may have additional rules of participation, which may also contain additional policies about how the PII or Sensitive Personal Information provided is used and/or shared.
9. to allow us to verify your identity or other information collected from or through our social media pages or campaigns and other interaction with online forms generated on our behalf. We may combine and use PII and/or Sensitive Personal Information you provide in this Site with the information collected from our social media pages or from your interaction with online forms generated on our behalf.
10. to allow you to enter and participate in our live chat, forums, and/or other types of bulletin boards that we may have on the site from time to time.
11. for business purposes, including data and marketing analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns.
12. for risk control, fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements.
13. to allow you to utilize features within our Sites by granting us access to information from your device, such as contact lists or geolocation, when you request certain services.

IV. HOW YOUR INFORMATION MAY BE SHARED

We may share your PII and/or Sensitive Personal Information for commercial, marketing, and business purposes, all in compliance with this Privacy Policy.

Information Disclosed for Business Purposes. In the previous 12 months, we have disclosed the information that may includes the following categories of personal information for business purposes:

1. General Identifying Information
2. Demographic Information and Important Dates
3. Financial Information
4. Credit Information
5. Internet or Other Electronic Information
6. Geolocation information
7. Inferences drawn from the above information about your predicted characteristics
8. Information that may be considered Sensitive Personal information

Categories of Third Parties Who Receive Information for Business Purposes:

1. Affiliates
2. Our Service Providers
3. Third Party Financial Services Companies and Financial Institutions
4. Marketing and Research Companies
5. Regulatory Authorities or Law Enforcement
6. Technology/Computer Software Companies
7. Telecommunications Companies

Information Sold or Shared for Non-Business Purposes. In the previous 12 months, the following categories of Personal Information, PII, or Sensitive Personal Information were sold or disclosed to third parties for non-essential business purposes.

1. General Identifying Information
2. Demographic Information and Important Dates
3. Financial Information
4. Credit Information
5. Internet or Other Electronic Information
6. Geolocation information
7. Inferences drawn from the above information about your predicted characteristics
8. Information that may be considered Sensitive Personal Information

Categories of Third Parties to Whom Personal Information, PII, or Sensitive Personal Information Has Been Sold:

1. Affiliates
2. Non-affiliated financial services organizations
3. Targeted marketing providers
4. Financial services organizations, including debt settlement, credit repair, credit counseling, bankruptcy, and debt management companies; other debt relief service providers.
5. Marketing and Research Companies

Sale of Personal Information and Targeted Marketing

quickcreditz.com may engage in the “Sharing” or “Sale” of your personal information. quickcreditz.com may also engage in “targeted advertising” in its use of your personal information. We do not knowingly collect, “sell” or “share” the personal information of individuals under the age of 18. If you are below the age of 18, you are prohibited from making use of our Sites and providing personal information on our Sites. See also COPPA Disclosure in Section VIII below.

V. YOUR DATA RIGHTS

Depending on where you reside, you may have certain rights regarding the personal information we collect and share. Residents of applicable states, including California, Virginia, Colorado, Connecticut, Iowa, Indiana, Tennessee, Texas, Montana, Minnesota, Oregon, Delaware, New Hampshire, New Jersey, Kentucky, Nebraska, and Rhode Island, may be provided the right to make the following request, depending on applicable law.

a) Request to Know. You may request to know whether we process your Personal information and to access such Personal information. You may request to receive the specific pieces or a copy of your Personal information, including, where applicable, a copy of the Personal information you provided to us in a portable format. Depending on where you reside, you may request that we disclose to you the following information:

1. The categories of Personal information we collected about you and the categories of sources from which we collected such Personal information;
2. The business or commercial purpose for collecting, selling, or sharing (if applicable) Personal information about you;
3. The categories of Personal information about you that we sold or “shared” and the categories of third parties to whom we sold or “shared” such Personal information (if applicable); and
4. The categories of Personal information about you that we otherwise disclosed and the categories of third parties with whom we disclosed such Personal information (if applicable).

b) Request to Delete. You may request that we delete your Personal information.

c) Request to Appeal. If we refuse to act on your request, you may appeal our refusal within a reasonable period after you have received notice of the refusal.

d) Request to Correct. You may request that we correct inaccuracies in your Personal information.

e) Request to Opt-Out of Sale, Targeted Advertising, and/or Sharing. You may request to opt-out of the “sale” of your Personal information and/or targeted advertising, including the “sharing” of your Personal information for cross-context behavioral advertising purposes.

Submitting a Data Request

To submit a data rights request in accordance with the above, please visit our Data Rights Request page.

Automated Decision-Making Tools

1. In the event that automated decision-making processes are used on our Site in connection with an application or request by you, depending on where you reside, you may request that we disclose to you the following: That the decision regarding your request was made using an automated decision making systems or processes;
2. If you are unsatisfied with the decision, you have the right to request an explanation of how the decision was made using our automated decision-making process and how you may proceed to have the decision changed or fixed.
3. Certain features on our Site(s) are subject to automated decision making. Any information you provide in using those features will translate to automated decision regarding your inquiry or request. You understand and agree that these automated decision making features are developed by third party technology providers which will have access to your personal information you may provide on our Site when using the automated decision making features. Your use of these features expressly authorize the share of the information with these third parties. Furthermore, you understand that the mechanisms or processes of the automated decision making features are not controlled by quickcreditz.com, nor does quickcreditz.com has the ability to effect the decision results.
4. The Instant Debt Advisor^SM (“Debt Advisor”): The Debt Advisor asks you simple questions and obtains from you certain personal identifiable information, including but not limited to: your full legal name, address, phone number, social security number, approval to do a soft pull to your credit, current finances, and other relevant information regarding your debt and financial situation. You understand and agrees that All Clear, as the developer of the Debt Advisor platform, may have access to the information you enter or provide the Debt Advisor, and may share it with independent service provides with whom the consumer is matched. In addition to quickcreditz.com’s privacy policy, the information shall be also subject to All Clear’s privacy policy. For more information regarding All Clear’s Privacy Policy, please visit All Clear Privacy Policy.

Sensitive Personal Information

We may collect and disclose certain information that may be considered ‘sensitive information’ under the applicable data privacy laws. We may disclose this information to affiliates, and non-affiliated third parties for various purposes, including marking or to provide you with services that you have. Depending on where you reside you may have the right to limit the disclosure of this information to non-related third parties for marketing purposes. To submit a request to limit the disclosure of your sensitive information, please visit our ‘Limit the Use of Sensitive Information’ webpage.

quickcreditz.com Managed Direct Marketing: If you prefer that we not deliver you marketing offers in email, postal mail or through telemarketing you may manage your direct marketing choices by emailing us your requests at [email protected].

Opt-Out Policy for Newsletter and Email Subscriptions

You may opt-out or unsubscribe from a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails which you receive. Please allow five to ten (5-10) business days for changes to take effect. Please be advised that all opt-out requests will be honored by the 10^th business day. You understand and agree that during that period and while your request is pending you may still receive newsletters and emails. Client service-related communications are an integral part of the services you receive from us, and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected] or by replying to an existing email with your request to be removed from the mailing list.

VI. DATA SECURITY 

At quickcreditz.com, the security of your Personal Information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.

Links to other sites: We may provide links to third-party sites. If you follow links to sites not affiliated or controlled by quickcreditz.com, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site. quickcreditz.com does not guarantee and is not responsible for any interaction between you and the third-party sites, including but not limited to the privacy or security of these sites, including the accuracy, completeness, or reliability of their information. You acknowledge that the availability of third-party site links is merely for convenience purposes, and that quickcreditz.com does not endorse, support, acknowledge, agree with, or otherwise promote the contents of the third-party sites linked to our Site.

Security: To protect Personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party service providers to ensure information remains confidential and secure. While we follow generally accepted industry standards to protect the Sensitive Personal Information and PII submitted to us (both during your submission and after we receive it), please be advised that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal information and PII, we cannot guarantee its absolute security. If you have any questions about security on our website, you can e-mail us at [email protected].

Data Retention: We retain Personal information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include:

• The length of time we have an ongoing relationship with you and as necessary to provide requested services to you;
• Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); and 
• Whether retention is advisable considering our legal position (such as, for statutes of limitations, litigation, or regulatory investigations).

VII. STATE PRIVACY DISCLOSURES:

This section provides state specific disclosures which apply solely to consumers who reside in the states listed. If you are a resident of one of these states, you have certain rights with respect to personal information collected and the processing of your personal information which are subject to the applicable state privacy laws.