These Terms shall be construed in accordance with and governed by the laws, without reference to their rules regarding conflicts of law. You hereby irrevocably consent to the exclusive jurisdiction in all disputes arising out of or related to the use of the site.
The site is intended only for users aged 18 or older. Individuals under the age of 18 are strictly prohibited from using the site and the accounts for any such person shall be terminated upon discovery.
Company may make certain software available to you from the CreditSecretsClub. If you download software from the Site, the software, including all files and images contained in or generated by the software, and accompanying data (collectively, “Software”) are deemed to be licensed to you by Company, for your personal, noncommercial, home use only. Company does not transfer either the title or the intellectual property rights to the Software, and Company retains full and complete title to the Software as well as all intellectual property rights therein. You may not sell, redistribute, or reproduce the Software, nor may you decompile, reverse-engineer, disassemble, or otherwise convert the Software to a human-perceivable form. All trademarks and logos are owned by Company or its licensors and you may not copy or use them in any manner.
You grant Company a license to use the materials you post to the CreditSecretsClub or Service. By posting, downloading, displaying, performing, transmitting, or otherwise distributing information or other content («User Content») to the CreditSecretsClub or Service, you are granting Company, its affiliates, officers, directors, employees, consultants, agents, and representatives a license to use User Content in connection with the operation of the Internet business of Company, its affiliates, officers, directors, employees, consultants, agents, and representatives, including without limitation, a right to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat User Content. You will not be compensated for any User Content. You agree that Company may publish or otherwise disclose your name in connection with your User Content. By posting User Content on the CreditSecretsClub or Service, you warrant and represent that you own the rights to the User Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute User Content.
When assessing the CreditSecretsClub or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service and the CreditSecretsClub is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content (collectively, «Content») in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any Content you provide or transmit, or that is provided or transmitted using your User ID. The burden of proving that any Content does not violate any laws or third party rights rests solely with you.
You shall not make the following types of Content available. You agree not to upload, download, display, perform, transmit, or otherwise distribute any Content that:
Company has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on the Site or with the Service.
All contents of Site or Service are copyright ©. All rights reserved.
CreditSecrets is NOT a representative office of a microfinance organization or a bank, it does not issue loans and credits.
All information and calculations received on the creditsecretsclub.com site are exemplary and for informational purposes only. We strive to publish only reliable information, but some information may lose its relevance over time and we allow for the possibility of errors in the content. Consult the conditions with the managers or on the official website of the companies.