Second Chance Financial Term & Conditions
By using the SecondChance4U.com website (referred to as the "Second
Chance Financial"), you agree to follow and be bound by these terms of use (the "Terms of Use") and agree to
comply with all applicable laws and regulations, including United States export and re-export control laws and regulations.
In these Terms of Use, the words "you" and "your" refer to each member or Site visitor, "we",
us" and "our" refer to Second Chance Financial and "Services" refers to all services provided by
us.
It is your responsibility to review these Terms of Use periodically. If at any time you find these Terms of
Use unacceptable or if you do not agree to these Terms of Use, please do not use this Site. We may revise these Terms of Use
at any time without notice to you. If you have any questions about these Terms of Use, please email us with your questions.
You agree that by using this site and the services you are at least 18 years of age and you are legally able to
enter into a contract.
Second Chance Financial provides an online portal to give members an avenue for resolution for
many types of issues in reference to business and consumer matters. Second Chance Financial provides automated interaction
solutions and forms to individuals who choose to prepare their own legal documents. To that extent, the Site includes general
information on commonly encountered legal issues. Second Chance Financial requires that you review your answers for completeness,
spelling and grammar, and for internal consistency of names, addresses and the like. At no time do we review your answers
for legal sufficiency, draw legal conclusions, provide legal advice or apply the law to the facts of your particular situation.
Second Chance Financial and its Services are not substitutes for the advice of an attorney.
Second Chance Financial
strives to keep its legal documents accurate, current and up-to-date. However, because the law changes rapidly, Second Chance
Financial cannot guarantee that all of the information on the Site is completely current. The law is different from jurisdiction
to jurisdiction, and may be subject to interpretation by different courts. The law is a personal matter, and no general information
or legal tool like the kind Second Chance Financial provides can fit every circumstance. Furthermore, any legal information
that may be acquired through this Site is not legal advice and is not guaranteed to be correct, complete or up-to-date. Therefore,
if you need legal advice for your specific problem, or if your specific problem is too complex to be addressed by our tools,
you should consult a licensed attorney in your area.
From time to time, Second Chance Financial may perform certain
attorney access services and introduce our members to attorneys through various methods, including but not limited to (i)
legal insurance plans, (ii) third party attorney directory listings, (iii) third party limited scope agreements and (iv) third
party attorney referral services. At no time is an attorney-client relationship fostered or created through the performance
of any such services.
This Site is not intended to create any attorney-client relationship, and your use of Second
Chance Financial does not and will not create an attorney-client relationship between you and Second Chance Financial. Instead,
you are and will be representing yourself in any legal matter you undertake through Second Chance Financial legal document
service.
1. Privacy Policy
Second Chance Financial respects your privacy and permits you
to control the treatment of your personal information.Keeping customer information private is a priority for Second Chance
Financial, its subsidiaries and affiliates. To enable us to provide you with membership plans, we need to collect certain
information from you. However, we want to emphasize that we are committed to maintaining the privacy of this information in
accordance with law. All individuals with access to personal information about our customers are required to follow this policy.
We are providing you this privacy notice to inform you of what personal information we collect about you and how we treat
that information. We hope this privacy notice answers any questions you may have regarding our treatment of your personal
information and reassures you of our dedication to keeping your personal information secure. Information We Collect We
collect non-public personal information about you from the following sources:
Information we receive from you on applications or other forms (such as your name, address,
social security number, and phone numbers and so forth); Information you may provide during visits to our web site; and Information about your transactions with
us, our affiliates or others.
Information We Share We
do not disclose any non-public personal information about our customers or former customers to any non-affiliated entity except
as described below and otherwise permitted by law. We may disclose all of the information we collect, as described above,
to Provider Affiliates and companies that assist us in the servicing or administration of the product that you have requested
or authorized. When information is shared with companies that perform services on our behalf, we protect against the subsequent
disclosure of that information with a confidentiality agreement. In no event do we disclose your personal information to companies
that will use that information to contact you about their own products or services.Our Security Procedures
We restrict
access to non-public personal information about you to those persons who need such information to provide products or services
to you. We maintain physical, electronic and procedural safeguards that comply with federal regulation to guard your non-public
personal information.
When you become a member to use or access certain portions of the Site or the Services, you
must provide complete and accurate information as requested on the registration form. You may also be asked to provide a user
name and password. You are entirely responsible for the maintaining the confidentiality of your password. You may not use
a third party's account, user name or password at any time. You agree to notify Second Chance Financial immediately of any
unauthorized use of your account, user name or password. Second Chance Financial shall not be liable for any losses you incur
as a result of someone else's use of your account or password, either with or without your knowledge. You may be held liable
for any losses incurred by Second Chance Financial, our affiliates, officers, directors, employees, consultants, agents and
representatives due to someone else's use of your account or password.
In connection with the use of certain Second
Chance Financial products or services, you may be asked to provide personal information in a questionnaire, application, form
or similar document or service. This information will be protected pursuant to our Privacy Policy. In addition, you grant
Second Chance Financial a worldwide, royalty-free, nonexclusive, and fully sub licensable license to use, distribute, reproduce,
modify, publish and translate this personal information solely for the purpose of enabling your use of the applicable service.
You may revoke this license and terminate Second Chance Financial rights at any time by cancelling your membership. 2. Ownership This Site is owned
and operated by SecondChance4U.com. All right, title and interest in and to the materials provided on this Site, including
but not limited to information, documents, logos, graphics, sounds and images (the "Materials") are owned either
by Second Chance Financial or by our respective third party authors, developers or vendors ("Third Party Providers").
Except as otherwise expressly provided by Second Chance Financial, none of the Materials may be copied, reproduced, republished,
downloaded, uploaded, posted, displayed, transmitted or distributed in any way and nothing on this Site shall be construed
to confer any license under any of Second Chance Financials intellectual property rights, whether by estoppels, implication
or otherwise. Second Chance Financial does not sell, license, lease or otherwise provide any of the Materials other than those
specifically identified as being provided by Second Chance Financial. Any rights not expressly granted herein are reserved
by Second Chance Financial.
3. Limited Permission to Download
Second Chance Financial hereby
grants you permission to download, view, copy and print the Materials on any single, stand-alone computer solely for your
personal, informational, non-commercial use provided that (i) the copyright and trademark notice appearing below appears in
such Materials, (ii) the Materials are not used on any other Web site or in a networked computer environment and (iii) the
Materials are not modified in any way. This permission terminates automatically without notice if you breach any of the terms
or conditions of these Terms of Use. On any such termination, you agree to immediately destroy any downloaded or printed Materials.
Any unauthorized use of any Materials contained on this Site may violate copyright laws, trademark laws, laws of privacy and
publicity and communications regulations and statutes.
4. Links to Third Party Sites
This
Site may contain links to Web sites controlled by parties other than Second Chance Financial (for example a "Third Party
Site"). Second Chance Financial works with a number of partners and affiliates whose sites may be linked with Second
Chance Financial. Second Chance Financial is not responsible for and does not endorse or accept any responsibility for the
availability, contents, products, services or use of any Third Party Site, any Web site accessed from a Third Party Site or
any changes or updates to such sites. Second Chance Financial makes no guarantees about the content or quality of the products
or services provided by such sites. Second Chance Financial is not responsible for webcasting or any other form of transmission
received from any Third Party Site. Second Chance Financial is providing these links to you only as a convenience, and the
inclusion of any link does not imply endorsement by Second Chance Financial of the Third Party Site. You acknowledge that
you bear all risks associated with access to and use of content provided on a Third Party Site and agree that Second Chance
Financial is not responsible for any loss or damage of any sort you may incur from dealing with a third party. You should
contact Second Chance Financial about the applicable Third Party Site if you have any concerns regarding such links or the
content located on any such Third Party Site.
5. Use of Second Chance Financials Legal Forms
On our Site and through certain affiliates, we offer our Members self-help "fill in the blank" forms. If you use
any form from one of our affiliates, you may be directed to that affiliates website and their terms of use will control. If
you use the forms on our Site, please refer to Second Chance Financials terms and conditions. You understand that your use
of a form document is neither legal advice nor the practice of law, and that each form and any applicable instructions or
guidance may not customized to your particular needs. License to Use
Second Chance Financial grants
it’s Members a limited, personal, non-exclusive, non-transferable license to use our forms (the "Forms") for
your own personal or business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify,
edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Forms
in any manner, except for modifications in filling out the Forms for your authorized use. You shall not remove any copyright
notice from any Form.
By using the Forms, you agree that the Forms may only be used by you for your personal or
business use and may not be sold or redistributed without the express written consent of Second Chance Financial.
6. Additional Terms
Some Second Chance Financial Services may be subject to additional posted guidelines,
rules or terms of service ("Additional Terms") and your use of such Services will be conditioned on your agreement
to the Additional Terms. If there is any conflict between these Terms of Use and the Additional Terms, the Additional Terms
will control for that Service, unless the Additional Terms expressly state that these Terms of Use will control. Note that
your use of the Second Chance Financial Membership Services may be subject to the Supplemental Terms of Use and Subscription
Services.
7. Rights and Responsibilities of Second Chance Financial
Although we cannot make an absolute
guarantee of system security, Second Chance Financial takes reasonable steps to maintain security. If you have reason to believe
system security has been breached, contact us by email for help.
If Second Chance Financial technical staff finds
that files or processes belonging to a member pose a threat to the proper technical operation of the system or to the security
of other members, Second Chance Financial reserves the right to delete those files or to stop those processes. If the Second
Chance Financial technical staff suspects a user name is being used by someone who is not authorized by the proper user, Second
Chance Financial may temporarily disable that user's access in order to preserve system security. In all such cases, Second
Chance Financial will contact the member as soon as feasible.
Second Chance Financial has the right, in our sole
and absolute discretion, to (i) edit, redact or otherwise change any User Content, (ii) re-categorize any User Content to
place it in a more appropriate location or (iii) pre-screen or delete any User Content that is determined to be inappropriate
or otherwise in violation of these Terms of Use, including but not limited to User Content containing offensive language and
advertisements.
Second Chance Financial reserves the right to refuse service to anyone and to cancel user access
at any time.
8. Rights and Responsibilities of Second Chance Financial Users
The use of your Second
Chance Financial Member account for any illegal activity under the laws of California and the United States is a violation
of these Terms of Use. Since the law as to jurisdiction of online systems is unsettled, we urge you to consider the possible
effect of laws outside Second Chance Financials locality or your own residence. Second Chance Financial is open to members
worldwide (and works published on the World Wide Web, Usenet or other such services are accessible to anyone on the Internet),
and Second Chance Financial cannot guarantee that you won't run into legal trouble in other jurisdictions. Your Rights and
Responsibilities as a Second Chance Financial User and 3rd Party Affiliates:
If you have a complaint about
the behavior a 3rd Party Affiliate, it is your responsibility to attempt to resolve the conflict, typically by contacting
that person directly, if possible. Normally, Second Chance Financial staff will not take a role in mediating conflicts between
you and Affiliates. Second Chance Financial does not take responsibility for your behavior or that of the Affiliate. Notwithstanding
the foregoing, if such a complaint or conflict arises, the user or users may request that Second Chance Financial moderator
intervene and attempt to resolve any such dispute. Any such request is not a guarantee that a moderator will (i) intervene,
(ii) intervene in a timely manner, (iii) resolve the dispute in favor of one party or the other or (iv) successfully resolve
the situation. The decision to intervene rests with Second Chance Financial in our sole and absolute discretion.You agree
to help protect your account and the security of other users by guarding your password. If you have reason to believe your
password has been compromised or there has been any unauthorized use of your account, contact Second Chance Financial via
E-MAIL as soon as possible. 8. Warranty No warranty. This site and all materials, documents or forms provided
on or through your use of the site are provided on an “as is” and “as available” basis. To the
fullest extent permitted by law, Second Chance Financial expressly disclaims all warranties of any kind, whether express or
implied, including by not limited to implied warranties or merchant ability, fitness for a particular purpose, title and non-infringement.
Second Chance Financial makes no warranty that: (A) the site or the materials will meet your requirements: (B)
the site or the materials will be available on an uninterrupted, timely, secure or error-free basis: (C) The results that
may be obtained from the use of the site, or any materials offered through the site, will be accurate or reliable; or (D)
the quality of any products, services, information or other material purchased or obtained by you through the site or in reliance
on the materials will meet your expectations.
Obtaining any materials through the use of the site is done at your discretion
and at your own risk. Second Chance Financial shall have no responsibility for any damage to your computer system or
loss of data that results from the download of any content, materials, information or software.
9. Limitation of
Liability
In no event shall Second Chance Financial, our Officers, Directors, Employees or Agents
be liable for any indirect, punitive, special, incidental or consequential damage (including but not limited to loss of business,
revenue, profits, use, data or other economic advantage), however if it arises, whether in an action of contract, negligence
or other tortuous action, or arising out of or in connection with the use or inability to use this site or materials available
from this site, even if Second Chance Financial has been previously advised of the possibility of such damage. If your
use of materials available from this site results in the need for servicing, repair or correction of equipment or data, you
assume any costs thereof. Some states do not allow the exclusion or limitation of incidental or consequential damages,
so the above limitation or exclusion may not apply to you.
10. Indemnification
You agree
to defend, indemnify and hold harmless Second Chance Financial, our officers, directors, shareholders, employees and agents
from and against any and all claims, liabilities, damages, losses or expenses, including reasonable attorneys' fees and costs,
arising out of or in any way connected with your access to or use of the Site and the Materials.
11. Unsolicited
Submissions
Except as may be required in connection with your use of Second Chance Financial Services,
Second Chance Financial does not want you to submit confidential or proprietary information to us through this Site. All comments,
feedback, information or material submitted to Second Chance Financial through or in association with this Site shall be considered
non-confidential and Second Chance Financial property. By providing such submissions to Second Chance Financial you hereby
assign to Second Chance Financial, at no charge, all worldwide right, title and interest in and to the submissions and any
intellectual property rights associated therewith. You acknowledge that you are responsible for the submissions that you provide,
including their legality, reliability, appropriateness, originality and content.
12. Compliance with Intellectual
Property Laws
When accessing Second Chance Financial or using Second Chance Financials legal document
preparation Service, you agree to obey the law and you agree to respect the intellectual property rights of others. Your use
of the Service and the Site is at all times governed by and subject to laws regarding copyright, trademark and other intellectual
property ownership. You agree not to upload, download, display, perform, transmit or otherwise distribute any information
or 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 Second Chance Financial user account.
Second Chance
Financial has adopted a policy that provides for the immediate removal of any content, article or materials that have infringed
on the rights of Second Chance Financial or of a third party or that violate intellectual property rights generally. Second
Chance Financial policy is to remove such infringing content or materials and investigate such allegations immediately.
13. Inappropriate Content
When accessing the Site or using Second Chance Financial Services,
you agree not to upload, download, display, perform, transmit or otherwise distribute any content that: (i) is libelous, defamatory,
obscene, pornographic, abusive or threatening; (b) advocates or encourages conduct that could constitute a criminal offense,
give rise to civil liability or otherwise violate any applicable local, state, national or foreign law or regulation; or (c)
advertises or otherwise solicits funds or is a solicitation for goods or services. Second Chance Financial reserves the right
to terminate or delete such material from its servers. Second Chance Financial will cooperate fully with any law enforcement
officials or agencies in the investigation of any violation of these Terms of Use or of any applicable laws.
14.
Compliance with Export Restrictions
You may not access, download, use or export the Site or the Materials
in violation of United States export laws or regulations or in violation of any other applicable laws or regulations. You
agree to comply with all export laws and restrictions and regulations of any United States or foreign agency or authority
and to assume sole responsibility for obtaining licenses to export or re-export as may be required. You acknowledge and agree
that the Materials are subject to the United States Export Administration Laws and Regulations and agree that none of the
Materials or any direct product there from is being or will be acquired for, shipped, transferred or re-exported, directly
or indirectly, to proscribed or embargoed countries or their nationals or used for any prohibited purpose.
15.
Personal Use
The site is made available for your personal use on your own behalf.
16.
Children
Minors are not eligible to use the Site and we ask that they do not submit any personal information
to us.
17. Governing Law Venue
By using this Site, you expressly agree that your rights
and obligations shall be governed by and interpreted in accordance with the laws of the State of California, excluding its
choice of law rules. Any legal action or proceeding relating to your access to or use of the Site or Materials shall be instituted
in a state or federal court in California, and in the County of Los Angeles. You and Second Chance Financial agree exclusively
and irrevocably to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action
or proceeding. These Terms of Use expressly exclude and disclaim the terms of the U.N. Convention on Contracts for the International
Sale of Goods, which shall not apply to any transaction conducted through or otherwise involving this Site.
18.
Copyrights
All Site design, text, graphics, the selection and arrangement thereof, Copyright ©
2010 SecondChance4U.com. All Rights Reserved.
19. Acknowledgement
By using Second Chance
Financials services or accessing the Secondchance4U.com, you acknowledge that you have read these terms of use and agree to
be bound by them.
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