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Terms of Use

Terms of Use

Maintaining Your Privacy and Trust Are Important To Us

Maintaining your privacy and trust are important to us at Credit Zeal. On this website (the “Site”), Credit Zeal and its affiliates collect information from users in connection with certain features and services. Our privacy policy is designed to tell you how personal information is collected and used on this Site so that you can make an informed decision about using this Site, or permitting your children to use this Site.

Copyright

Unless otherwise indicated, all Credit Zeal Web site materials and content, including, and without limitation, the Credit Zeal logo, all designs, text, graphics, other files, and the selection and arrangement thereof are the proprietary and copyrighted property of Credit Zeal. You may electronically copy and print to hard copy portions of this Web site for the sole purpose of using materials it contains for informational, non-commercial, personal use only. Any other use of the materials in this Web site-including any commercial use, reproduction for purposes other than described above, modification, distribution, republication, display, or performance-without the prior written permission of Credit Zeal is strictly prohibited.

Disclaimer

This web site and the materials in this Site are provided on an “as is” basis without warranties of any kind whatsoever, either express or implied. Credit Zeal disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Credit Zeal does not represent or warrant that materials in this Site are accurate, complete, reliable, current, or error-free. Credit Zeal does not represent or warrant that this Site or its server(s) are free of viruses or other harmful components.

Credit Zeal reserves the right to change any and all content contained on this Web site at any time without notice. Reference to any products, services, processes, or other information, by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by Credit Zeal.


Submissions

You acknowledge and agree that any materials, including but not limited to questions, comments, suggestions, ideas, plans, notes, drawings, original or creative materials or other information, provided by you in the form of e-mail or other submissions to Credit Zeal., or postings on this Web site, are non-confidential and shall become the sole property of Credit Zeal. Credit Zeal shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use of these materials for any purpose, commercial or otherwise, without acknowledgment or compensation to you. The submission of any materials to Credit Zeal, including the posting of materials to any forum or interactive area, irrevocably waives any and all “moral rights” in such materials, including the rights of paternity and integrity.


Limited Use Site License

Credit Zeal. grants you a limited license to make personal use only of this Site. Such license is subject to this Site Terms and does not include: (a) any resale or commercial use of this Site or content therein; (b) the collection and use of any product listings or descriptions; (c) making derivative uses of this Site and its contents; (d) use of any data mining, robots or similar data gathering or extraction methods; (e) downloading (other than the page caching) of any portion of this Site or any information contained on this Site, except as expressly permitted on this Site; or (f) any use of this Site other than for its intended purpose. Except as noted above, you are not conveyed any right or license by implication, estoppel or otherwise in under any patent, trademark, or proprietary right of Credit Zeal or any third party.

Trademarks

Credit Zeal, the Credit Zeal logo, and any product or service name or slogan contained in this Web site, are either trademarks or registered trademarks of Credit Zeal and its licencors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Credit Zeal. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Credit Zeal, and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Credit Zeal. All other trademarks, registered trademarks, product names and company names or logos mentioned herein are the property of their respective owners.

Limited Hyperlink Rights


You are granted a very limited, non-exclusive right to create a hyperlink to this Web site for noncommercial purposes provided such link does not portray Credit Zeal or any of its products and services in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time. You may not use, frame or utilize framing techniques to enclose any Credit Zeal trademark, logo or other proprietary information, including the images found at this Web site, the content of any text or the layout/design of any page or form contained on a page without Credit Zeal’s prior written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright, or proprietary right of Credit Zeal. or any third party. Credit Zeal makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of Web sites accessible by hyperlink from this Web site, or Web sites linking to this Web site. The linked sites are not under the control of Credit Zeal and Credit Zeal is not responsible for the contents of any linked site or any link contained in a linked site, or any review, changes or updates to such sites. Credit Zeal is providing these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement, or adoption by Credit Zeal of this Site or any information contained therein.

Indemnification of Consultants

You agree to defend, indemnify and hold harmless Credit Zeal., its contractors, service providers, and consultants, their employees, agents, and respective directors from and against any third party claim, damages, costs and expenses (including, but not limited to, reasonable attorney’s fees) arising our of your use of the Credit Zeal. Web site, including without limitation any actual or threatened suit, demand, or claim made against Credit Zeal. and/or its contractors, service providers, and consultants arising out of or relating to your conduct, your violation of these Site Terms, or your violation of the rights of any third party.

Limitation of Liability

In no event shall Credit Zeal, its officers, directors, shareholders, employees, or contractors be liable for any direct, special, indirect or consequential damages, or any other damages of any kind, including but not limited to loss of use, loss of profits, or loss of data. Whether in an action in contract, tort (including but not limited to negligence), or otherwise, arising out of or in any way connected with the use of this web site or the materials contained in, or accessed through, this web site, including without limitation any damages caused by or resulting from reliance by user on any information obtained from Credit Zeal, or that results from mistakes, omissions, interruptions, deletion of files or e-mail, error, defects, viruses, delays in operation or transmission, or any failure of performance, whether or not resulting from acts of God, communications failure, terrorism, theft, destruction or unauthorized access to Credit Zeal.‘s records, programs, or services. In no event shall the aggregate liability of Credit Zeal. (whether in contract, warranty tort-including negligence, whether active, passive, or imputed-product liability, strict liability or other theory) arising out of or relating to the use of Credit Zeal‘s web site exceed any compensation you pay, if any, to Credit Zeal for access to or use of this web site.


File Downloads and Document and Software Purchases

All sales of file downloads, documents and/ or software purchased via this Site are final, and no refunds will be offered. If your file, document, and/ or software download or purchase is defective, you may request a replacement of the same product.

External Link Policy

Credit Zeal links to other, external web sites that provide information we determine at our discretion contain the most useful information for our visitors. While many sites provide very useful information, Credit Zeal only links to those sites which provide the most useful content.

These links may be changed at any time as more useful sites come to our attention. The sole purpose of any external link is to enrich this site for our visitors. All requests for inclusion of a link on this site is first and primarily evaluated with the needs of our visitors in mind. Generally, external web sites do not meet the purposes of Credit Zeal if they contain, suggest, or infer any of the following:

Advocacy of or opposition to any politically, environmentally, or socially controversial subjects, issues, or candidates.
Disparaging or promoting any person or class of persons.
External content not suitable for readers or viewers of all ages, or links to or other promotion of businesses whose products or services are not suitable for persons of all ages.
Promoting or inciting illegal, violent, or socially undesirable conduct.
Promotion or availability of alcohol or tobacco products.
Promotion or availability of illegal drugs.
Promotion or availability of adult or sexually oriented entertainment or materials.
Promotion, opposition, or availability of weapons.
Promotion, opposition, or availability of gambling.
Claims of efficacy, suitability, desirability, or other non-objective statements about businesses, products, or services.
Content that infringes on any trademark, copyright, or patent rights of another.
Claims or representations in violation of advertising or consumer protection laws.
Content that a reasonable citizen may not consider to maintain the dignity and decorum appropriate for government.

This list is a nonexclusive list. The external link policy applies only to web sites outside Credit Zeal. and is not necessarily applicable to articles posted on this site.
Credit Zeal. shall establish procedures to monitor the implementation and continuing oversight of this policy. These procedures shall include a process for review of all new requests for external content links from a Credit Zeal Web page to another page to ensure compliance with this policy prior to granting the request. Each request for such a link shall be evaluated using the following guidelines:

Is the external web site useful to visitors of this Site?
Is the content relevant?

Does the external web site provide information or services which are not already available or linked to on this Site? If not, is the quality of the external web site comparable to or better than what is already provided?

Is the external web site well designed, easy to use, cross-browser compliant, and accessible to people with disabilities?
Credit Zeal reserves the right, at its sole discretion and without explanation, to withdraw at any time any external content for any reason. Requests to include a web site on Credit Zeal. may be made via our Contact page.

Anti-Spam Policy

Credit Zeal prohibits the use of this Site in any manner associated with the transmission, distribution or delivery of any unsolicited bulk or unsolicited commercial e-mail (“Spam”). You may not use this Site to send Spam. You also may not deliver Spam or cause Spam to be delivered to any of Credit Zeal’s Services or customers.

In addition, e-mail sent, or caused to be sent, to or through this Site may not:

use or contain invalid or forged headers;
use or contain invalid or non-existent domain names;
employ any technique to otherwise misrepresent, hide or obscure any information in identifying the point of origin or the transmission path;
use other means of deceptive addressing;
use a third party’s internet domain name, or be relayed from or through a third party’s equipment, without permission of the third party;
contain false or misleading information in the subject line or otherwise contain false or misleading content;
fail to comply with additional technical standards described below; or
otherwise violate the applicable Terms of Use for the Services.

Credit Zeal does not authorize the harvesting, mining or collection of e-mail addresses or other information from or through this Site. Credit Zeal does not permit or authorize others to use the Services to collect, compile or obtain any information about Credit Zeal.’s customers or subscribers, including but not limited to subscriber e-mail addresses, which are Credit Zeal’s confidential and proprietary information.

Credit Zeal does not permit or authorize any attempt to use this Site in a manner that could damage, disable, overburden or impair any aspect of this Site, or that could interfere with any other party’s use and enjoyment of this Site.

If Credit Zeal Believes that unauthorized or improper use is being made of this Site, it may, without notice, take such action as it, in its sole discretion, deems appropriate, including blocking messages from a particular internet domain, mail server or IP address. Credit Zeal. may immediately terminate any account on this Site which it determines, in its sole discretion, is transmitting or is otherwise connected with any e-mail that violates this policy.
Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, this Site. Failure to enforce this policy in every instance does not amount to a waiver of Credit Zeal’s rights.

Unauthorized use of this Site in connection with the transmission of unsolicited e-mail, including the transmission of e-mail in violation of this policy, may result in civil, criminal, or administrative penalties against the sender and those assisting the sender.

DMCA Notice and Takedown Procedure

Credit Zeal abides by the federal Digital Millennium Copyright Act (DMCA) by responding to notices of alleged infringement that comply with the DMCA and other applicable laws. As part of our response, we may remove or disable access to material residing on this Site that is claimed to be infringing, in which case we will make a good-faith attempt to contact the person who submitted the affected material so that they may make a counter notification, also in accordance with the DMCA.

Credit Zeal does not control content hosted on third party websites, and cannot remove content from sites it does not own or control. If you are the copyright owner of content hosted on a third party site, and you have not authorized the use of your content, please contact the administrator of that website directly to have the content removed.

Before serving either a Notice of Infringing Material or Counter-Notification, you may wish to contact a lawyer to better understand your rights and obligations under the DMCA and other applicable laws. The following notice requirements are intended to comply with Credit Zeal.’ rights and obligations under the DMCA and, in particular, section 512(c), and do not constitute legal advice.

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