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Getting Ready to FIle Your Federal Tax Return
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The Importance of filing your Tax Return or Tax Extension on Time
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Most Common Tax Filing Errors
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Owing Money To The IRS
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Balance Transfers -- Are they really free?
Transcript - Balance Transfers – Are they really free?
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2016 Understanding Consumer Credit Guide
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How to Consolidate - Debt Help - Consolidate Your Debt Payments
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Let the government help you consolidate your debts
The Advantages of Credit Consolidation
Understanding Debt Consolidation Loans
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Loan Modification Guide - Do It Yourself
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Interesting Money Articles
12 Amazing Facts about Credit Card Debt
12 More Interesting Facts About Money – Part 2
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Introduction To Budgeting
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Budgeting - How Much?
Debt Management and Prevention Using a Budget
How to Pay Off Debt – Start Budgeting
Maintaining and Budget Planning
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Transcript - The Basics Of Budgeting
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The Importance of a Household Budget
Managing Debt
1 in 10 Having Wages Garnished
Advanced Fees For Unsecured Loans
Info Graphic - Advanced Fees For Unsecured Loans
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Debt Relief The Issue of Forgiveness
Get Out of Debt by Changing Your Financial Habits
Personal Finance Management to Reduce Debt
Start Early Teaching Kids Money Management and Savings
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Energy Saving Tips
Info Graphic - Energy Saving Tips
Transcripts - Energy Saving Tips
Enjoy the Holidays Without Breaking the Bank
Info Graphic - Enjoy the Holidays Without Breaking the Bank
Transcript - Enjoy the Holidays Without Breaking the Bank
How 'Charge Offs' Effect You
Insurance & Housing
Money Management Means Setting Goals
PREPARING YOUR BUDGET FOR A WORSE CASE SCENARIO
Save Money When going to work
Spendaholic
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What Debt Should You Pay First?
Young Couple Finances
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Student Loans and the Credit Squeeze
Types Of Debts
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Holiday Credit Card Debt
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Inherited Debts?
Six Easily Avoidable Causes of Debt
Ways to Pay Off Holiday Debts
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Terms Of Use

AGREEMENT BETWEEN USER AND Delray Credit Counseling

The Delray Credit Counseling Web Site is comprised of various Web pages operated by Delray Credit Counseling.

The Delray Credit Counseling Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Delray Credit Counseling Web Site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

Delray Credit Counseling reserves the right to change the terms, conditions, and notices under which the Delray Credit Counseling Web Site is offered, including but not limited to the charges associated with the use of the Delray Credit Counseling Web Site.

LINKS TO THIRD PARTY SITES

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

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Delray Credit Counseling Web Site, you warrant to Delray Credit Counseling that you will not use the Delray Credit Counseling Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Delray Credit Counseling Web Site in any manner which could damage, disable, overburden, or impair the Delray Credit Counseling Web Site or interfere with any other party’s use and enjoyment of the Delray Credit Counseling Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Delray Credit Counseling Web Sites.

USE OF COMMUNICATION SERVICES

The Delray Credit Counseling Web 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 proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

 

  • 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 know, or reasonably should know, 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 any applicable laws or regulations.

Delray Credit Counseling has no obligation to monitor the Communication Services. However, Delray Credit Counseling reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Delray Credit Counseling reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Delray Credit Counseling reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Delray Credit Counseling‘s sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Delray Credit Counseling does not control or endorse the content, messages or information found in any Communication Service and, therefore, Delray Credit Counseling specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Delray Credit Counseling spokespersons, and their views do not necessarily reflect those of Delray Credit Counseling.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO Delray Credit Counseling OR POSTED AT ANY Delray Credit Counseling WEB SITE

Delray Credit Counseling does not claim ownership of the materials you provide to Delray Credit Counseling (including feedback and suggestions) or post, upload, input or submit to any Delray Credit Counseling Web Site or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Delray Credit Counseling, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses 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. Delray Credit Counseling is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Delray Credit Counseling‘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.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE Delray Credit Counseling WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Delray Credit Counseling AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE Delray Credit Counseling WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE Delray Credit Counseling WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

Delray Credit Counseling AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE Delray Credit Counseling WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. Delray Credit Counseling AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Delray Credit Counseling AND/OR ITS SUPPLIERS 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 Delray Credit Counseling WEB SITE, WITH THE DELAY OR INABILITY TO USE THE Delray Credit Counseling WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE Delray Credit Counseling WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE Delray Credit Counseling WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Delray Credit Counseling OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF 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 ARE DISSATISFIED WITH ANY PORTION OF THE Delray Credit Counseling WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE Delray Credit Counseling WEB SITE.

SERVICE CONTACT : cs@delraycc.com

TERMINATION/ACCESS RESTRICTION

Delray Credit Counseling reserves the right, in its sole discretion, to terminate your access to the Delray Credit Counseling Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the Delray Credit Counseling Web Site. Use of the Delray Credit Counseling Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Delray Credit Counseling as a result of this agreement or use of the Delray Credit Counseling Web Site. Delray Credit Counseling‘s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Delray Credit Counseling‘s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Delray Credit Counseling Web Site or information provided to or gathered by Delray Credit Counseling with respect to such use. 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. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Delray Credit Counseling with respect to the Delray Credit Counseling Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Delray Credit Counseling with respect to the Delray Credit Counseling Web 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 an d 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.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the Delray Credit Counseling Web Site are: Copyright 2007-2012 by Delray Credit Counseling and/or its suppliers. All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider’s Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

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