Credit 911 Privacy Policy

Credit911 Privacy Policy

Last Updated on Feb 7th, 2021

applies to the www.credit911.org and Credit911 and governs data collection and usage. For the

purposes of this Privacy Policy, unless otherwise noted, all references to Credit 911 include

www.credit911.org. The Credit 911 website is an information and signup site. By using the

Credit 911 website, you consent to the data practices described in this statement.

Collection of your Personal Information: Credit 911 may collect personally identifiable

information, such as your name, Date of birth, current and previous addresses, and other

relevant information related to the restoration and repair of your credit report by removing

inaccurate negative items. Credit 911 may also collect anonymous demographic information,

which is not unique to you, such as your age, city and state. We may gather additional personal

or non-personal information in the future. Information about your computer hardware and

software may be automatically collected by Credit 911. This information can include: your IP

address, browser type, domain names, access times and referring

website addresses. This information is used for the operation of the service, to maintain quality

of the service, and to provide general statistics regarding use of the Credit 911 website.

Credit 911 encourages you to review the privacy statements of websites you choose to link to

from Credit 911 so that you can understand how those websites collect, use and share your

information. Credit 911 is not responsible for the privacy statements or other content on

websites outside of the Credit 911 website.

Use of your Personal Information: Credit 911 collects and uses your personal information to

operate its website(s) and deliver the services you have requested.

Credit 911 may also use your personally identifiable information to inform you of other products

or services available from Credit 911 and its affiliates. Credit 911 may also contact you via

surveys to conduct research about your opinion of current services or of potential new services

that may be offered.

Credit 911 does not sell, rent or lease its customer lists to third parties. Credit 911 may share

data with trusted partners to help perform statistical analysis, send you email or postal mail,

provide customer support, or arrange for deliveries. All such third parties are prohibited from

using your personal information except to provide these services to Credit 911, and they are

required to maintain the confidentiality of your information. Fresh Start may keep track of the

websites and pages our users visit within Credit 911, in order to determine what Credit 911

services are the most popular. This data is used to deliver customized content and advertising

within credit 911 to customers whose behavior indicates that they are interested in a particular

subject area.

Credit 911 will disclose your personal information, without notice, only if required to do so by law

or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or

comply with legal process served on Credit 911 or the site; (b) protect and defend the rights or

property of Credit 911; and, (c) act under exigent circumstances to protect the personal safety of

users of Credit 911, or the public.

Security of your Personal Information:

Credit 911 secures your personal information from unauthorized access, use or disclosure.

Children under Thirteen:

Credit 911 does not knowingly collect personally identifiable information from children under the

age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for

permission to use this website.

Changes to this Statement:

Credit 911 will occasionally update this Statement of Privacy to reflect company and customer

feedback. Credit 911 encourages you to periodically review this Statement to be informed of

how Credit 911 is protecting your information.

6) Our Right to Suspend or Terminate Services:

We can, without notice, suspend or terminate any Service at any time for any reason. For

example, we can suspend or terminate any Service for the following: (a) late payment; (b)

denied payment transaction;(harassing/threatening/abusing/offending our employees or agents;

(d) providing false or inaccurate information; (e) interfering with our operations;

(f) using/suspicion of using Services in any manner restricted by or inconsistent with the

Agreement and Policies; (g) breaching, failing to follow, or abusing the Agreement or Policies;

(h) providing false, inaccurate, dated, or unverifiable identification or credit information or

becoming insolvent or bankrupt.

8) Arbitration & Mediation: In the event a dispute shall arise between the parties to this contract,

agreement, and/or services, it is hereby agreed that the dispute shall be resolved by arbitration

in accordance with the applicable United States Arbitration and Mediation Rules of Arbitration.

The arbitrator's decision shall be final and legally binding and judgment may be entered

thereon. Each party shall be responsible for its share of the arbitration fees in accordance with

the applicable Rules of Arbitration. In the event 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 is entitled to costs of suit, including a reasonable

attorney's fee for having to compel arbitration or defend or enforce the award.

(a) "Disputes" are any claims or controversies against each other related in any way to or

arising out of in any way our Services or the Agreement, including, but not limited to, billing

services and practices, policies, contract practices (including enforceability), service claims,

privacy, or advertising, even if it arises after Services have terminated. Disputes include claims

that you bring against our employees, agents, affiliates, or other representatives or that we bring

against you. It also includes but is not limited to claims related in any way to or arising out of in

any way any aspect of the relationship between us, whether based in contract, tort, statute,

fraud, misrepresentation, or any other legal theory.

(b) If either of us wants to initiate a claim to arbitrate a Dispute, we each agree to send written

notice to the other providing a description of the dispute, a description of previous efforts to

resolve the dispute, all relevant documents and supporting information, and the

proposed resolution. Notice to you will be sent as described in the "Providing Notice to

Each Other Under The Agreement" section and notice to us will be sent to: Credit 911. We

each agree to make attempts to resolve the dispute prior to filing a claim for arbitration. If we

cannot resolve the dispute within forty-five (45) days of receipt of the notice to arbitrate, then we

each may submit the dispute to formal arbitration.

arbitrator and will take place in the county of the last billing address of the Service.

(d) The arbitration will be governed and conducted by (a) a neutral third party arbitrator selected

by each of us and based upon rules mutually agreed to by each of us or (b) JAMS. The JAMS

rules, including rules about the selection of an arbitrator, filing, administration, discovery,

and arbitrator fees, will be conducted under JAMS Comprehensive Arbitration Rules &

Procedures. The JAMS rules are available on its website at www.jamsadr.com. To the extent

that this "Dispute Resolution" section conflicts with JAMS's minimum standards for procedural

fairness, the JAMS's rules or minimum standards for arbitration procedures in that regard will

apply. However, nothing in this paragraph will require or allow us or you to arbitrate on a class-

wide or consolidated basis.

(e) WE EACH AGREE THAT WE WILL ONLY PURSUE ARBITRATION ON AN INDIVIDUAL

BASIS AND WILL NOT PURSUE ARBITRATION ON A CLASS-WIDE OR CONSOLIDATED

BASIS. We each agree that any arbitration will be solely between you and Credit 911 (not

brought on behalf of or together with another individual's claim). If for any reason any court or

arbitrator holds that this restriction is unconscionable or unenforceable, then our agreement to

arbitrate doesn't apply and the dispute must be brought in court.

(f) We each are responsible for our respective costs relating to counsel, experts, and witnesses,

as well as any other costs relating to arbitration. However, we will pay for the arbitration

administrative or filing fees, including the arbitrator fees. Otherwise the JAMS Comprehensive

Arbitration Rules & Procedures and the JAMS Policy on Consumer Arbitrations Pursuant to Pre-

Dispute Clauses, Minimum Standards of Procedural Fairness regarding costs and payment

apply.

Exceptions To Our Agreement To Arbitrate Disputes: Either of us may bring qualifying claims in

small claims court. In addition, this arbitration provision does not prevent you from bringing your

dispute to the attention of any federal, state, or local government agency that can, if the law

allows, seek relief against us on your behalf.

No Class Actions: TO THE EXTENT ALLOWED BY LAW, WE EACH WAIVE ANY RIGHT TO

PURSUE DISPUTES ON A CLASS WIDE BASIS; THAT IS, TO EITHER JOIN A CLAIM WITH

THE CLAIM OF ANY OTHER PERSON OR ENTITY OR ASSERT A CLAIM IN A

REPRESENTATIVE CAPACITY ON BEHALF OF ANYONE ELSE IN ANY LAWSUIT,

ARBITRATION, OR OTHER PROCEEDING.

No Trial By Jury: TO THE EXTENT ALLOWED BY LAW, WE EACH WAIVE ANY RIGHT TO

TRIAL BY JURY IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING.

Indemnification: You agree to indemnify, defend, and hold Credit 911 and our subsidiaries,

affiliates, parent companies harmless from any claims arising out of or relating to your actions,

including, but not limited to, your use of the Service and any information you submit, post,

transmit, or make available; failure to safeguard your information, or other account information;

or violating this Agreement or any policy referenced in this Agreement, any applicable law or

regulation, or the rights of any third party.

Joshua Bryan

Founder of Credit911

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