Terms & Conditions

Last Updated: August 31, 2023

Welcome to www.creditsuite.com. Credit Suite, Inc. and/or its affiliates ("Credit Suite") provide website features and other products and services to you when you visit Creditsuite.com, use Credit Suite products or services, or use software provided by Credit Suite in connection with any of the foregoing (collectively, "Credit Suite Services"). Credit Suite provides the Credit Suite Services subject to the following conditions.

By using Credit Suite, you agree to these conditions. Please read them carefully.

When you use a Credit Suite Service you also will be subject to the guidelines, terms and agreements applicable to that Credit Suite Service ("Service Terms"). If these Conditions of Use are inconsistent with the Service Terms, those Service Terms will control.

Privacy

Please review our Privacy Notice, which also governs your use of Credit Suite, Inc., to understand our practices.

Electronic Communications

When you use Credit Suite Services, or send e-mails, text messages, and other communications from your desktop or mobile device to us, you may be communicating with us electronically. You consent to receive communications from us electronically, such as e-mails, texts, or notices and messages on this site or through the other Credit Suite Services, and you can retain copies of these communications for your records. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Text Message (SMS) Terms of Use

1. Credit Suite will send reminders, account updates, support information, one (1) to one (1) messages, and promotional messages to users who register through our website forms or partners’ online forms.
2. You can cancel the SMS service at any time. Just text "STOP" to opt out. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
3. If you are experiencing issues with the messaging program you can get help directly at (877) 600-2487
4. Carriers and Credit Suite are not liable for delayed or undelivered messages
5. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our privacy policy: https://www.creditsuite.com/privacy/

Copyright

All content included in or made available through any Credit Suite Service, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software is the property of Credit Suite or its content suppliers and protected by United States and international copyright laws. The compilation of all content included in or made available through any Credit Suite Service is the exclusive property of Credit Suite and protected by U.S. and international copyright laws.

Trademarks

Credit Suite’s trademarks include both registered and unregistered marks that may be found on Credit Suite’s website and within its software. In addition, graphics, logos, page headers, button icons, scripts, and service names included in or made available through any Credit Suite Service are trademarks or trade dress of Credit Suite in the U.S. and other countries. Credit Suite's trademarks and trade dress may not be used in connection with any product or service that is not Credit Suite's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Credit Suite. All other trademarks not owned by Credit Suite that appear in any Credit Suite Service are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Credit Suite.

License and access

Subject to your compliance with these Conditions of Use and any Service Terms, and your payment of any applicable fees, Credit Suite or its content providers grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal and non-commercial use of the Credit Suite Services. This license does not include any resale or commercial use of any Credit Suite Service, or its contents; any derivative use of any Credit Suite Service or its contents; any downloading, copying, or other use of account information for the benefit of any third party; or any use of data mining, robots, or similar data gathering and extraction tools. All rights not expressly granted to you in these Conditions of Use or any Service Terms are reserved and retained by Credit Suite or its licensors, suppliers, publishers, rightsholders, or other content providers. No Credit Suite Service, nor any part of any Credit Suite Service, may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Credit Suite. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Credit Suite without express written consent. You may not use any meta tags or any other "hidden text" utilizing Credit Suite's name or trademarks without the express written consent of Credit Suite. You may not misuse the Credit Suite Services. You may use the Credit Suite Services only as permitted by law. The licenses granted by Credit Suite terminate if you do not comply with these Conditions of Use or any Service Terms.

Your Account

You may need your own Credit Suite account to use certain Credit Suite Services, and you may be required to be logged in to the account and have a valid payment method associated with it. Payments may be handled by a third-party vendor. In that case, your use will be governed by separate Conditions of Use. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account, and you agree to accept responsibility for all activities that occur under your account or password.

Reviews, Comments, Communications, and other content

If you do post content or submit material to Credit Suite, and unless we indicate otherwise, you grant Credit Suite a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, perform, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Credit Suite and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Credit Suite for all claims resulting from content you supply. Credit Suite has the right but not the obligation to monitor and edit or remove any activity or content. Credit Suite takes no responsibility and assumes no liability for any content posted by you or any third party.

Intellectual property complaints

Credit Suite respects the intellectual property of others. If you believe that your intellectual property rights are being infringed, please follow our Notice and Procedure for Making Claims of Copyright Infringement.

Other Businesses

Parties other than Credit Suite provide services or software, or sell product lines through the Credit Suite Services. In addition, we provide links to the sites of affiliated companies and certain other businesses. If you purchase any of the products or services offered by these businesses or individuals, you are purchasing directly from those third parties, not from Credit Suite. We are not responsible for examining or evaluating, and we do not warrant, the offerings of any of these businesses or individuals (including the content of their Web sites). Credit Suite does not assume any responsibility or liability for the actions, product, and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use.

Disclaimer Of WARRANTIES AND LIMITATION OF LIABILITY

THE CREDIT SUITE SERVICES AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT SUITE SERVICES ARE PROVIDED BY CREDIT SUITE ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. CREDIT SUITE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE CREDIT SUITE SERVICES, OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT SUITE SERVICES, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THE CREDIT SUITE SERVICES IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY LAW, CREDIT SUITE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CREDIT SUITE DOES NOT WARRANT THAT THE CREDIT SUITE SERVICES, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT SUITE SERVICES, CREDIT SUITE'S SERVERS OR ELECTRONIC COMMUNICATIONS SENT FROM CREDIT SUITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE FULL EXTENT PERMISSIBLE BY LAW, CREDIT SUITE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF ANY CREDIT SUITE SERVICE, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH ANY CREDIT SUITE SERVICE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.

DISPUTES

Any dispute or claim relating in any way to your use of any Credit Suite Service, or to any products or services sold or distributed by Credit Suite or through www.creditsuite.com will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these Conditions of Use as a court would. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our registered agent Northwest Registered Agent LLC, 7901 4th St. N, STE 300, St. Petersburg, FL 33702. The arbitration will be conducted by the American Arbitration Association (AAA) under its rules. The AAA's rules are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.

APPLICABLE LAW

By using any Credit Suite Service, you agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Credit Suite.

SITE POLICIES, MODIFICATION, AND SEVERABILITY

Please review our other policies posted on this site. These policies also govern your use of Credit Suite Services. We reserve the right to make changes to our site, policies, Service Terms, and these Conditions of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Our Address

Credit Suite, Inc. 501 E Kennedy Blvd Suite 1400 Tampa, FL 33602
https://www.creditsuite.com

ADDITIONAL CREDIT SUITE SOFTWARE TERMS

The following terms (“Software Terms”) apply to any software (including any updates or upgrades to the software) and any related documentation we make available to you in connection with Credit Suite Services (the "Credit Suite Software").

HOW TO SERVE A SUBPOENA OR OTHER LEGAL PROCESS

Credit Suite accepts service of subpoenas or other legal process only through Credit Suite’s registered agent, Northwest Registered Agent LLC (NWRA). Subpoenas or other legal process may be served by sending them to NWRA at the following address:

Credit Suite, Inc.
Northwest Registered Agent LLC
7901 4th St. N, STE 300
St. Petersburg, FL 33702

Attn: Legal Department – Legal Process
Please note also that providing detailed and accurate information at the outset will facilitate efficient processing of your request.

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF INTELLECTUAL PROPERTY INFRINGEMENT

If you believe that your intellectual property rights have been infringed, please email [email protected] with a full description of the allegedly infringing material. This form may be used to report all types of intellectual property claims including, but not limited to, copyright, trademark, and patent claims.

We respond quickly to the concerns of rights owners about any alleged infringement.

We offer the following alternative to our email for copyright complaints only. You may submit written claims of copyright infringement to our Copyright Agent at:

Legal Department
Credit Suite, Inc.
501 E Kennedy Blvd
Suite 1400
Tampa, FL 33602
Phone: 7272757151
Email: [email protected]
Written claims concerning copyright infringement must include the following information: