Acceptance of Terms Through Use
Your Credit Company, Inc. makes products, information, and services available on this Web Site, subject to the following terms and conditions of use.  By using Your Credit Company, Inc., you exemplify to Your Credit Company, Inc. that you have read, understood, and agreed to all terms, conditions, and notices contained or referenced in these Terms of Use, and agree to follow all applicable laws and regulations.

IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS WEB SITE.
When you submit a request or application for a product or service that is made available through Your Credit Company, Inc. Web Site by a third-party Provider, Yourcreditcompany.com will share your information with the Provider as permitted by law and described in Your Credit Company, Inc. privacy policy. Yourcreditcompany.com and the Provider to whom your request or application is forwarded may, as permitted by law, obtain consumer report and public records information to verify your identity and process your request or application.

Changes to Terms of Use
Yourcreditcompany.com reserves the right to update or revise any part of these Terms of Use and the information, products, services, prices, and programs offered or mentioned on the Web Site at any time, without notice. Any changes will be effective immediately upon the posting of the updated Terms of Use on the Web Site.

Scope
These Terms of Use apply to the Web Site, and are in addition to the specific terms and conditions associated with the products and services on this Web Site. If these Terms of Use are not consistent with the specific terms that apply to the information, products, or services offered on the Web Site, then the specific terms that apply to that information, those products, or those services will apply.

Reservation of Rights
Any rights not expressly granted in these Terms of Use are reserved by Yourcreditcompany.com, and Yourcreditcompany.com reserves the right to seek all remedies available by law and in equity for any violation of these Terms of Use.

Severability and Integration
Unless otherwise specified in these Terms of Use, this agreement constitutes the entire agreement between you and Yourcreditcompany.com with respect to the Web Site and replaces all prior communications and proposals (whether oral, written, or electronic) between you and Yourcreditcompany.com with respect to the Web Site. If any part of these Terms of Use is held invalid or unenforceable, that portion will be explained in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions will remain in full force and effect.

Your Proper Usage of this Web Site
All ages are welcome to visit and browse our Web Site. However, if you are applying for an extension of credit, you must be an adult (over 18) resident of the United States of America, including its Commonwealths and Territories (collectively, the "USA"). By applying for an extension of credit, you warrant and represent to us and to the relevant Provider(s) that you are an adult (over 18) resident of the USA.
To ensure that Yourcreditcompany.com provides a high-quality experience for you and other users of our Web Site, you acknowledge and agree that Yourcreditcompany.com or its representatives may investigate complaints, allegations of abuse, infringement of third-party rights, or other unauthorized uses of this Web Site. Yourcreditcompany.com will not disclose such an investigation unless required to do so by law. Yourcreditcompany.com will cooperate fully with any law enforcement agencies in their investigation of the violation of any applicable laws.
By using or visiting this Web Site, you agree that you will not insert false, fraudulent, indecent, or obscene information into applications or informational forms and that your usage will comply with all applicable state and federal laws.

If you violate any provision of this section of the Terms of Use, Yourcreditcompany.com has the authority to terminate your access to our Web Site without notice.

Our Rights to Communicate with You
When you apply for a product or service through Your Credit Company, Inc. you will be asked to provide your telephone number.  This information may be used by Your Credit Company, Inc. or it may be provided by Your Credit Company, Inc. to third-parties who may contact you in regards to your application. 

Products / Third-Party Service Providers
Your Credit Company, Inc. provides you with access to third party providers solely for your convenience. Some of these Provider sites may be co-branded (i.e., bear the name and/or logo of both the Provider and Your Credit Company, Inc.). The condition of access to a Provider does not signify an endorsement by Your Credit Company, Inc. of the Provider's web site or the services offered by that Provider. Your Credit Company, Inc. has no control over, and cannot be responsible for Provider web sites or the content on those sites. Your use of a Provider web site or services will be subject to the Provider's terms of use and Provider's privacy policy. If you decide to use the services of a Provider, or if you decide to purchase a product from a Provider, any transaction between you and that Provider will be strictly between you and the Provider. Your credit company, Inc. has no control over the Provider's obligations to you, and makes no representations or warranties with respect to the Provider's performance. It is your responsibility to take precautions to ensure that Provider web sites are free of viruses or other items of a destructive nature. You agree that Your Credit Company, Inc. will not me liable or responsible for any loss or damage you may incure as a direct result of any transaction you may enter with a provider.

Authorized Use of Web Site Information
Except as may be otherwise indicated on the Web Site, Your Credit Company, Inc. grants you a fully revocable license to view and print documents or information on the Web Site, subject to the following terms and conditions:
1. The document or information may be used solely for informational, personal, and non commercial purposes
2. You may not gain in profit for distribution of any information to any third party.
3. The document or information may not be modified in any way and include Your Credit Company, Inc. name or logo’s.
4. Your Credit Company, Inc. reserves the right to revoke this license at any time. You agree that you and any person to whom you distribute the document or information will immediately discontinue any use of the document or information upon notice of revocation.
The license does not include the layout or design of our Web Site. Elements of the Web Site are protected by copyright, and other laws and may not be imitated or reproduced in whole or in part.
The license does not include logos, graphics, sounds, or images on our Web Site, which may be reproduced or distributed on a case-by-case basis only with Your Credit Company, Inc.  express written permission.

Personal and Non Commercial Use Limitation
This Web Site is made available only for your personal, non commercial use. You may not use the Web Site to sell a product or service or to increase traffic to a web site for commercial reasons, except by prior written agreement with Your Credit Company, Inc.
If you want to make commercial use of the Web Site, you must enter into an agreement with Your Credit Company, Inc. Please contact us at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it   for more information.

Disclaimer of Warranties
The materials, information, products and services on our web site, including the images, text, software, code, sound, photos, graphics, icons and over all look of this web site belong to Your Credit Company, Inc.
Some states or other jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. You also may have other rights, which may vary from state to state and jurisdiction to jurisdiction.

Further Disclaimer
Although Your Credit Company, Inc. strives to provide information that consumers may find useful, this information should not be considered credit or legal advice.  You should not use the general information provided on this web site as a substitute for the advice of a competent professional.

Limitation of Liability
You understand and agree that Your Credit Company, Inc. will not be liable for any direct, incidental, special, consequential, punitive, or exemplary damages resulting from or in any way related to your access to use or inability to use Your Credit Company, Inc. web site or any products or services used through this web site.

Availability of Products and Services
The Web Site can be accessed from countries around the world and may contain references to Your Credit Company, Inc. services, programs, and products that have not been announced or are not available where you are located or reside. These references do not imply that Your Credit Company, Inc. currently offers or intends to offer such services, programs, or products in your state or country.
Policy on Linking to the YOURCREDITCOMPANY.COM Web Site
You are granted a limited, non exclusive right, which we may revoke at any time, to create a hypertext link to the Yourcreditcompany.com Web Site found at www.Yourcreditcompany.com . If you exercise this limited, non-exclusive right, however, you must agree to the following:
     You will not portray Your Credit Company, Inc., its affiliates or Providers or their respective products and services in a false, misleading, offensive, derogatory, or otherwise defamatory manner.
    
     You will not misrepresent your relationship with Your Credit Company, Inc. or imply that Your Credit Company, Inc. sponsors, endorses, or is affiliated with any web site or products.
    
     You will not replicate, modify, or alter the appearance or content of this Web Site.
    
     You will not use, frame, or utilize framing techniques to enclose Your Credit Company, Inc. trademark, logo, or other proprietary information, the images found on the Web Site, the content of any text, or the layout and design of any page or form contained on a page on the Web Site without the express prior written consent of Your Credit Company, Inc.
Furthermore, a site that links to the Your Credit Company, Inc. Web Site:
     Must not contain content that could be construed as obscene, libelous, defamatory, pornographic, or inappropriate for all ages;
    
     Must not contain materials that would violate any laws.
If you exercise this limited, non-exclusive right to create a hypertext link to the Your Credit Company, Inc. Web Site, you agree that the link may be removed at any time, upon Your Credit Company, Inc. request, pursuant to Your Credit Company, Inc. reserved right to revoke its consent to allow the link.

Submissions, Feedback, and Confidentiality
All comments, feedback, information, and materials submitted to Your Credit Company, Inc. through the Web will be considered the non-confidential property of Your Credit Company, Inc.  By providing a Submission to Your Credit Company, Inc., you grant Your Credit Company, Inc., at no charge, a royalty free, perpetual, irrevocable, non-exclusive, worldwide right and license (with the right to sublicense) to (a) use, reproduce, distribute, modify, create derivative works of, publicly display, and perform your Submission in any media; and (b) make, sell, offer for sale, import, and otherwise transfer your Submission. Your Credit Company, Inc. will be free to use and/or disseminate a Submission on an unrestricted basis for any purpose. You acknowledge that you are responsible for the Submissions that you provide, and that you, not Your Credit Company, Inc., have full responsibility for the Submissions, including their legality, reliability, appropriateness, originality, and copyright.
Claims of Copyright Infringement
If you believe that your work has been copied and is accessible on the Web Site in a way that constitutes copyright infringement, notify Your Credit Company, Inc. in writing:

Your Credit Company, Inc.
P.O. Box 1557
Colorado Springs, CO 80901
Any claim of copyright infringement should include sufficient information to enable us to evaluate your claim and to take appropriate action.

Intellectual Property Notices
All images, text, sound, photos, custom graphics, icons, the collection and compilation and assembly thereof, and the overall look and distinctiveness of the Your Credit Company, Inc. constitute trade dress and the property of Your Credit Company, Inc. The trade dress of Yourcreditcompany.com is protected by law and may not be copied or imitated in whole or in part.  Logos, graphics, sounds, and images from the Web Site may NOT be copied or retransmitted unless expressly permitted by Yourcreditcompany.com. The Your Credit Company, Inc., logo, Your Credit Company, Inc., and other Your Credit Company, Inc., products and services referenced in the Web Site are the common law and registered trademarks of Your Credit Company, Inc. in the United States and in other countries. The absence on the Web Site of a Your Credit Company, Inc. product or service name, slogan, or logo does not constitute a waiver of Your Credit Company, Inc. trademark or other intellectual property rights relating to such name or logo. All other product names, company names, marks, logos, and symbols appearing on the Web Site may be the trademarks and the property of their respective owners.
You acknowledge and agree that the Content available on the Web Site is protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by Yourcreditcompany.com, either in these Terms of Use or otherwise, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from the Content. As noted in the section of these Terms of Use entitled Authorized Use of Web Site Information, you may print or download one copy of the Content on the Web Site on any single computer for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices. Systematic retrieval of data or other content from the Web Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from Your Credit Company, Inc. is prohibited. In addition, use of the Content for any purpose not expressly permitted in these Terms of Use is prohibited.
As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on the Web Site is strictly prohibited without the express prior written permission of Yourcreditcompany.com. Permission will be granted only when certain limited criteria are met. For information on requesting such permission, please contact \n This e-mail address is being protected from spam bots, you need JavaScript enabled to view it "> This e-mail address is being protected from spam bots, you need JavaScript enabled to view it

Governing Law and Jurisdiction
You agree that all matters relating to your access to, or use of, the Web Site, and all matters relating to these Terms of, will be governed by the laws of the State of Colorado, which will apply in all respects, including statutes of limitation. No choice of law rules of any jurisdiction will apply to nullify this choice of Colorado law. All Claims, disputes, or controversies between you and Your Credit Company, Inc.  will be submitted to and determined exclusively by a court of competent subject matter jurisdiction in the City and County of Colorado Springs, Colorado, and you agree and submit to the exclusive personal jurisdiction and venue of those courts with respect to such matters.
Your Credit Company, Inc.  makes no representation that information or materials on the Web Site are appropriate or available for use in locations outside the United States. Accessing the Web Site or the Content from places where the Content is illegal is prohibited. Those who choose to access the Web Site from locations outside the United States are responsible for compliance with all applicable laws.

General
Your Credit Company, Inc. failure to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of that right or provision. If any provision of these Terms of Use is found to be invalid by a court of competent jurisdiction, you and Yourcreditcompany.com nevertheless agree that the court should endeavor to give effect to our mutual intentions as reflected in the provisions, and that the other provisions of the Terms of Use will remain in full force and effect. You agree that, regardless of any statute or law to the contrary, any Claims and any cause of action related to use of the Web Site, the Content, or these Terms of Use must be filed within one (1) year after the Claims or cause of action arose or they will be forever barred. The section titles in these Terms of Use are for convenience only and have no legal or contractual effect.