Cambridge Credit Counseling Online Terms & Conditions

Last updated March 27, 2024

AGREEMENT BETWEEN USER AND CAMBRIDGE CREDIT COUNSELING

The website is comprised of various Web pages created and maintained by Cambridge Credit Counseling. This site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Cambridge web site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

Cambridge reserves the right to change the terms, conditions, and notices under which this web site is offered.

LINKS TO THIRD-PARTY SITES

From time to time, the Cambridge web site may contain links to other web sites (“Linked Sites”). Cambridge 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. Cambridge is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Cambridge of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of Cambridge’s web site, you warrant that you will not use the site for any purpose that is unlawful or prohibited by these terms and conditions. You may not use the Cambridge web site in any manner that could damage, disable, overburden, or impair the Cambridge web 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 through any means not intentionally made available or provided for through the Cambridge web site.

ELECTRONIC COMMUNICATIONS

Mobile Devices

By accepting these Terms and Conditions, you consent to receive electronic communications from Cambridge in electronic form, via email, Short Message Service (“SMS Service”) or wireless internet (“WAP Service”) and may be sent via automatic telephone dialing systems which may use pre-recorded messages. If you designate to receive electronic communications via your mobile device, you agree to receive messages delivered via the Site to that device and understand your carrier’s standard rates apply to any messages sent from Cambridge. You represent you are the owner or authorized the user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving messages to your mobile device at any time by notifying us. You may remove your information by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive from Cambridge.

You may also click the “Opt-out” link on the bottom of the email to unsubscribe to email correspondence. Only United States residents may use the SMS or WAP Service.

Data Security

SMS or WAP Services are provided via wireless systems that use radio frequencies and other means to transmit communications over complex networks. Cambridge does not guarantee that your use of the SMS or WAP Services will be private or secure, and Cambridge will not be liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures appropriate to your situation and intended use of the SMS or WAP Service. You acknowledge and agree Cambridge may access the content of your account and the wireless account with your carrier for the sole purpose of identifying and resolving technical problems and service-related complaints.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE CAMBRIDGE WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. CAMBRIDGE AND/OR ITS VENDORS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CAMBRIDGE WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE CAMBRIDGE 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.

CAMBRIDGE AND/OR ITS VENDORS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE CAMBRIDGE 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. CAMBRIDGE 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 CAMBRIDGE AND/OR ITS VENDORS 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 CAMBRIDGE WEB SITE, WITH THE DELAY OR INABILITY TO USE THE CAMBRIDGE 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 CAMBRIDGE WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE CAMBRIDGE WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CAMBRIDGE 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 CAMBRIDGE WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE CAMBRIDGE WEB SITE.

SERVICE CONTACT: [email protected]

TERMINATION/ACCESS RESTRICTION

Cambridge reserves the right, in its sole discretion, to terminate your access to the Cambridge web site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the Commonwealth of Massachusetts, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Hampden County, Massachusetts, in all disputes arising out of or relating to the use of the Cambridge web site. Use of the Cambridge 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 Cambridge as a result of this agreement or use of the Cambridge web site. Cambridge’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Cambridge’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Cambridge web site or information provided to or gathered by Cambridge 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 Cambridge with respect to the Cambridge web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Cambridge with respect to the Cambridge 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 and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

COPYRIGHT AND TRADEMARK NOTICES:

Cambridge, and the Cambridge logo are trademarks, trade names or service marks of Cambridge Credit Counseling Corp. All other trademarks and service marks are the property of their respective owners. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of Cambridge or the owner of such trademark or service mark.

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

Any rights not expressly granted herein are reserved.