DISCLAIMER
AND LIMITATIONS
This page intends to cover every possible question you may
have about CarreonandAssociates.com, so it is long and extensive.
Our company is a financial marketing company
functioning online. We (CarreonandAssociates.com) are committed
to providing our visitors with accurate- truthful information
and to educate them about credit and collection issues to
the best of our ability using reliable sources.
This Web site is offered to you, the "User,"
conditioned on your acceptance without modification, of the
terms, conditions, and notices contained in this agreement.
Your use of this Web site constitutes your agreement to
all such terms, conditions, and notices herein.
Other product and company names mentioned
herein, including the names of participating partners and
lenders, may be the trademarks of their respective owners.
CarreonandAssociates intends that the information
contained in this Web site be accurate and reliable; however,
errors sometimes occurs. In addition, changes and improvements
to the information provided herein may be made by us at any
time.
CarreonandAssociates is the preferred source
for credit rebuilding, consumer education, debt reduction
& debt negotiations information gathered in one place.
We are not a law firm and do not offer any legal, tax or financial
advice. We aggregate resources, products and services
to offer them in one central place, our site. We are not a
credit repair company- we do not provide credit repair services.
We are an Internet portal offering information, education
and third party products.
All articles and pages contained within
this site are thought to be accurate at the time of creation,
however laws change so you need to be diligent in checking
your own state laws. All
articles within this website are the opinions only of the
author(s) and you should always use good judgment when dealing
with your finances and credit issues by doing your research
and using this website as it is intended which is to aid in
educating you in credit and collections.
Do not let this website replace your need
for an attorney.
If you have legal questions you should
always consult with
an attorney.
By viewing our content you agree that we offer no personal
legal or financial advice and offer no warranties of your
actions based on what you may read and do with that information.
Our site is for informational purposes and does not fit each
person's exact case. Some web pages within this site may contain
certain keywords that appear misleading. The keywords embedded
in these pages are done so from a software program that takes
a certain word like "credit" and matches all words
that are similar. We continually monitor our keywords to make
sure nothing foul or defaming has been inserted. If we discover
a keyword that we deem inappropriate, it is removed.
Services offered either directly or through
preferred partners' are:
CarreonandAssociates is a division of Carreon
& Associates, a general finance broker with advanced knowledge
of credit issues and in house credit experts. Any of the services
you choose that are offered by an E-partner is guaranteed
by that partner. CarreonandAssociates outsources the expert's
and is not liable for the personal relationship that you develop
with that partner. Any product that you purchase directly
from us is covered under our privacy
and satisfaction policy. If it is a referral or if the service
is outsourced then you must look at that partner's privacy
and guarantee policies. Our loan offers are offered through
direct lenders, brokers, finance and credit card companies.
CarreonandAssociates does not directly lend funds.
Ebook Site Membership
By viewing our ebook and
member site you agree that we offer no warranties of how
you may use the book or the educational material nor do we
offer any legal, tax or financial advice to any visitors of
this site or purchasers of the ebook site. You repair your
credit at your own discretion and are to use the Member site
as intended: for education. The Member site offers only education
and articles. No credit repair is provided for anyone.
The book is for educational and informational purposes only.
By entering the member site, you
agree. We reserve the right to withdraw username
and passwords or block your IP address on individuals who
may abuse the membership or try to gain access after a refund
has occurred. The ebook offers only legal and ethical credit
rebuilding tips so if you are looking for fraudulent credit
repair information- do not order! Lifetime membership means
as long as we offer the product and or remain in business
online.
Ebook Membership FAQ
Finally, we encourage you to read our ebook
FAQ to get answers to any questions you may have about
what the ebook service
offers.
About Paid Membership
Lifetime membership means as long as
we offer the product and or remain in business online and
you are responsible for keeping your username and password
written down in a safe place.
Membership will last a lifetime as long as you retain your
username and password. If you do not, and the order is old,
we cannot guarantee that we will find that order because all
orders are processed outside of our site and we do not retain
those records. We are only able to look up orders for 6-9
months and then they are no longer available. Please keep
your username and password in a safe place or keep several
copies. If you do not and we cannot locate an older order,
then you will have to purchase again.
What exactly does lifetime membership
mean?
It means that you will have access to our member site for
as long as you are able to hold on to your user name and password
or for as long as we can locate an order record from you.
As years pass, you are responsible for keeping your username
and password written down because our card processor (clickbank)
only allows us to search for completed orders for up to 6-9
months. If we cannot locate your prior order nor can you then
there is essentially no way to prove you joined after a year
or so and you may need to join again. That is why we recommend
that you hold onto your receipt after you have joined and
write down your membership information in a safe place. We
always try to honor all requests but if we are unable to locate
an order nor are you, you will have to pay again to gain access.
Price Change
We reserve the right to modify the price for our ebook and
expert service. However the price you paid at the time of
purchase still holds for you.
Attorney Services
We do not employ any lawyers or offer any legal advice, however
we reserve the right to direct users to a lawyer service that
we deem reputable. Currently we are referring clients seeking
legal help to two law firms:
Credit Repair Lawyer: Users are referred
to Lexington Law Firm
through this website
General Attorney: Users are referred to Lawinfo.com
Reputation
We have been around since 1993 and started our credit services
business in 1995. We began selling online in 1997. We have
never received any complaints from any federal agency and
we have never had an unresolved issue with a customer. Any
customer who purchased our education material and requested
a valid refund has been honored. Our business is to provide
consumers with education and information relating to credit
and debt. We are stringent on whom we partner with and we
do not endorse unreliable services by any company claiming
to get you out of debt or help you with your credit unless
they are reputable.
Privacy
We are dedicated to protecting the privacy of our Members
and visitors. We will never share or sell your information
with anyone and that includes outside partners. Any communication
you receive from us will be from CarreonandAssociates only.
Please see our Privacy Policy
for full details.
Other
Since we provide no legal advice through this site, you should
not rely upon any information contained herein for any purpose
other than reading, without seeking legal advice from a qualified
licensed attorney.
Trademarks, Servicemarks Et Al
In the course of discussing credit and financial related content,
we may inadvertently use a term that has been service marked.
If we do discover a service mark phrase has been used, it
will quickly be altered or removed upon notification from
the service mark owner. Any accidental use of any service
marks are completely in error. This statement is necessary
since common financial phrases have been known to be service
marked.
Any
site offering credit related products should encourage you
to read your rights as a consumer
for credit files
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