Date of Last Revision: January 20, 2017

PLEASE READ THE FOLLOWING TERMS OF USE CAREFULLY. The products and services offered through the MoneyTips websites and its affiliated sites and platforms are provided by LeadPoint, Inc., a Delaware corporation (dba MoneyTips) (hereafter referred to as "MoneyTips", "we," "us," or "our") These terms of use ("Terms") govern your use of MoneyTips websites (including any affiliated sub-domains, such as creditscards.moneytips.com and moneytips.com/smart-credit.html) and related applications, platforms, products and services, including the ConsumerDirect® Platform - All Rights Reserved (collectively, the "Services").

The Services are provided for each user's (whether they be consumers and financial professionals) (hereafter referred to as "Users", "you" and "your") personal use and are subject to these Terms and including all modifications thereto, and any other rules or guidelines that may be published from time to time. The Services are provided to Users as an informational service, but is not the sponsor, source, bank, financial institution or other provider of the any goods or services offered by third parties shown or referenced within the content of the Services and Moneytips makes no representations or warranties and has no control over the quality or availability of goods and services offered by third parties shown or referenced within or the accuracy of the claims made by any such third parties. To the extent you choose to visit with these third parties or purchase or otherwise transact with such third parties, you do so at your own risk.

PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, AND AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT GOVERNS THE JURISDICTION AND VENUE OF DISPUTES. YOU ACKNOWLEDGE AND AGREE THAT, BY ACCESSING OR USING THE SERVICES, YOU ARE INDICATING THAT YOU HAVE READ, AND THAT YOU UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS, WHETHER OR NOT YOU HAVE REGISTERED WITH US. IF YOU DO NOT AGREE TO THESE TERMS, THEN YOU HAVE NO RIGHT TO ACCESS OR USE THE SERVICES OR ANY CONTENT PROVIDED IN RELATION THERETO. IF YOU ACCEPT OR AGREE TO THESE TERMS ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT AND WARRANT THAT YOU HAVE THE AUTHORITY TO BIND THAT COMPANY OR OTHER LEGAL ENTITY TO THESE TERMS AND, IN SUCH EVENT, "YOU" AND "YOUR" WILL REFER AND APPLY TO THAT COMPANY OR OTHER LEGAL ENTITY.

As provided for below, MoneyTips reserves the right to modify the Services and any element thereof, without notice to you. You should periodically review the Terms for changes, as some changes may directly impact the way you use the Services. The date of the current version of these Terms is noted above. Your use of the Services following any modification to these Terms shall be deemed to be your assent to any such modifications.

By using the Services, you are agreeing to these Terms, MoneyTips Privacy Policy, and MoneyTips Community Guidelines. Certain aspects of the Services may have different terms and conditions posted or may require you to agree with and accept additional terms and conditions. If there is a conflict between these Terms and terms and conditions posted for a specific area of the Services, the latter terms and conditions will take precedence with respect to your use of or access to that area of the Services.

WE DO NOT PROVIDE CREDIT REPAIR ADVICE. WE DO NOT CLAIM THAT WE ARE ABLE TO "CLEAN UP" OR "IMPROVE" YOUR CREDIT RECORD, CREDIT HISTORY OR CREDIT RATING. ANY MENTION OF THE WORD IMPROVE OR GOAL IS COINCIDENCE AND DOES NOT CARRY THE SAME MEANING AS CLEANING UP OR IMPROVING ONES CREDIT RATING.

IMPORTANT DISCLOSURE: MoneyTips and Consumer Direct are not affiliated with the annual free credit report program. Under Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies. To request your free annual report under that law, you must go to www.annualcreditreport.com or 877-322-8228, the ONLY authorized source under federal law..

* - The Smart Credit Report is new credit and communications technology patented under USPTO 7,818,228 and is not a credit report as traditionally known or viewed, nor is it prepared by or obtained as a file disclosure from a National Credit Reporting Agency. It is entirely different containing additional data, formatting and print restrictions that are not similar to a credit report. The Smart Credit Report is a communications medium for consumers and their creditors. Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law for a free credit report.

Our product has Action buttons for you to communicate directly with your creditors. We are a neutral system and we do not instruct, advise, recommend or otherwise encourage you to take Actions directly with your Creditor. You are solely responsible for any Actions you take with your creditors.

1. Privacy Policy

Any information (including personally identifiable information and payment account information) you submit via the Services is governed by the Privacy Policy (accessible via the following link: http://www.moneytips.com/privacy). The Privacy Policy encompasses any and all information you may provide to us via the Services for purposes of creating an account, submitting an order or inquiry or to receive further information, updates and promotions about or related to MoneyTips and/or the Services.

2. Conditions for Use of the Services

As a condition to your visit and use of the Services, you represent and warrant that:

  1. You are at least 18 years of age and possess the legal authority to enter into an agreement and use the Services in accordance with these terms.
  2. All information supplied by you is true and accurate (without limitation of the foregoing, the provision of any speculative, incorrect, misleading, false, or fraudulent information is prohibited).
  3. You understand that abuse of the Services may result in your being denied access to such Services, as determined by MoneyTips in its sole discretion.
  4. You understand and agree that you will not:
    1. Use any deep-link, page-scrape, robot, crawl, index, spider, click spam, macro programs, Internet agent, or other automatic device, program, algorithm or methodology which does the same things, to use, access, copy, acquire information, generate impressions or clicks, input information, store information, search, generate searches, or monitor our Users or Services or any portion thereof;
    2. Use automated means, including spiders, robots, bots, scripts, crawlers, or the like, in connection with any of the Services;
    3. Resell, assign, sublicense, or otherwise transfer, or delegate your rights or obligations under these Terms without the prior written authorization from MoneyTips;
    4. Modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display or in any way exploit the Services without prior written authorization from MoneyTips;
    5. Use the Services for any purpose in violation of local, state, national, international laws or regulations;
    6. Use the Services in a way that is intended to harm, or a reasonable person would understand would likely result in harm, to MoneyTips, and any other users or third party;
    7. Circumvent any measures implemented by us aimed at preventing violations of these Terms.

Except as otherwise expressly permitted, MoneyTips reserves the right to terminate a User account in the event that such User provides false or misleading registration information or otherwise violates these Terms (as determined by MoneyTips in its sole discretion). Your status as a registered User creates only a customer relationship with MoneyTips and does not create an employment relationship, an independent contractor relationship, an agency relationship, or any other relationship.

Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access. Except in the context of browsing or accessing our Services in accordance with these Terms, you may not use content from our Services unless you obtain permission from its owner or are otherwise permitted by law. These terms do not grant you the right to use any branding or logos used in our Services.

3. Membership Terms & Conditions and Membership Information Statement

Account Registration

By providing the information requested during our enrollment process, you will be given full access to the site. You must read the Important Consumer Notices and agree to the Membership Terms & Conditions which are shown below. You will also be accepting our Privacy Policy and Terms of Use where you are giving your permission to match you with offers, products and Apps that may be suited for you. We will not share your information with any third party without your express permission. See our Privacy Policy for more information.

Once you enroll in Membership, you may cancel your Membership at any time during your trial (if applicable), without any penalty or obligation. After your trial (if applicable), you agree to pay any accumulated, unbilled charges through the date of your cancellation - at the time of your cancellation.

Your Membership includes the following products:

Smart Credit Report®

This is a revolutionary new type of Credit Report and is not to be confused with a traditional credit report. What makes it so different is the way information is shown to you and how you can interact with your creditors by using Action buttons. It also has a zoom feature to see more credit details and even your daily transactions that ultimately compromise of the information reported by a credit reporting agency.

By using this product you are giving your permission for us to obtain your credit report data from a third party. You understand that our system transforms this data into our Smart Credit Report and that it is not to be confused with a regular/traditional credit report. Our product uses this data to make the Smart Credit Report available to you. You are also granting your consent to obtain your credit data to fulfill the benefits of our product shall be valid continuously until your Membership account is cancelled as per this agreement.

Scores

When you become a Member we will receive your VantageScore® Credit Score from one or more credit bureaus. However, we reserve the right to use our own internally developed score if necessary depending on the ability of a given credit report to generate a normal credit score. Each of your Scores has a number ranging from bad to excellent along with a letter grade and how you compare to others. You also get a general overview of your Score. All Scores are estimates and are for educational purposes only. They cannot be used to determine final credit.

Credit Score:

This is your credit score and its number range is 300-bad to 850-excellent. This score is a general representation of your credit risk lenders use to grant credit.

Auto Score:

This represents your possible risk to lenders if you purchase or lease a vehicle.

Insurance Score:

This represents your possible risk to an insurance company if they are underwriting your insurance.

Hiring Risk Index:

Many employers are allowed to view your credit report (not your credit score), when determining hiring or promotion. This Hiring Risk Index can help you better understand how employers may interrupt your credit report.

Live ID Alerts

This monitors information that is posted to a credit reporting agency (specifically TransUnion) or financial accounts once you add them to Money Manager. Some monitoring Alerts you may get are more important and urgent than others. For these important Alerts we recommend you activate Live ID Alerts on your phone or email. This will put a special rapid response Action button in your Alert to help you remove identity theft right from your phone or email without the need to log in to your account.

In addition, you will get various Alerts keeping you informed of the latest concerning your Money, Credit and Identity. The Alerts are simple and well organized for you. They include Alerts about your Membership, credit monitoring, identity theft alerts, creditor responses to your Actions and when payments are due on your Money Manager linked accounts.

When you log in to your account you will see what percentage of Live ID Alerts you have activated. You will get 25% each for activating your credit monitoring, Money Manager alerts and membership alerts totaling 75%. This is an automatic function of our product and there is nothing you need to do. Lastly, you get 25% for activating Live ID Alerts on your phone and email which puts the rapid response Action button in your important Alerts. We highly recommend you get to 100%.

Make sure you allow our Alerts to get to your email in-box by instructing your email that our Alerts are NOT spam. Credit monitoring Alerts may take 48 hours to start, but may be delayed due to circumstances beyond our control. If we are unable to initiate your credit monitoring, for any reason, you will be notified by email. You understand that the term Live ID Alerts is only a name and general description of Alerts. It is not intended to mean instant or protection of your credit or identity. Live ID Alerts are not guaranteed, nor do they guarantee protection of any kind and are delivered as is.

Money Manager*

Money Manager allows you to organize your personal finances by linking your online accounts such as your bank accounts, credit cards, loans, mortgages and investment accounts. Link your online bank accounts, credit cards, loans, utilities and investment accounts to Money Manager. This lets you see individual transactions, monthly statements and get payment due notices updated every day.

By using this service, you acknowledge your understanding that we use a third party to gather this information electronically from online accounts you have established with a third party. Not all information shown on your third party online accounts may be available to you in Money Manager after you link. Information is usually updated every 24 hours, but is not guaranteed for accuracy, interval of update or intraday pending transactions. You understand that from time to time your user name, password and other authentication may be required to continue your link to your online account(s). You are representing that you have all legal rights and privileges to access and link to third party online accounts that you select.

You agree that you will accurately link your online account(s) to an account on your Smart Credit Report, should you choose to make that link. If you link the wrong account, you agree to promptly change it to the correct account.

The details of these linked accounts are shown in Money Manager located on your Member home page and also attached to your creditor data on the Smart Credit Report. If you view a creditor in your Smart Credit Report, the transactions will appear as well.

Having all your money, credit and identity in one place is very simple and convenient, especially when you use an Action button to ask your credit something.

  • Bill Delivery and Presentment Option You may use the Money Manager to request presentment of electronic bills from Payees. This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payee directly if you do not receive your Payee statement. By registering for and using the Money Manager to request presentment of electronic bills, you authorize and permit Our System (including its service providers and agents) to undertake the following actions on your behalf: 1. Access third party web sites, including web sites maintained by Payees designated by you, to retrieve your account and billing information; and 2. Use information submitted by you to Our System (such as account passwords and users names) to provide Money Manager and to configure the services. Our System may disclose your name, user name, and user passwords that you provided during registration to third party web sites, so that Our System can obtain the information you requested and display it to you in connection with the Money Manager. When you register for the Money Manager, you authorize Our System to disclose such information in order to provide the Money Manager. You acknowledge and agree that for the limited purposes described in this section of the Terms, Our System shall be acting on your behalf and as agent for you, and the acts of Our System undertaken on Payee and other third party web sites to provide you with the Money Manager shall be deemed to be actions taken by you. The Money Manager is not able to update or change your personal information, such as, but not limited to, name, address, phone number(s) and email address(es), that you have established with the electronic Payee. Any changes to such information will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all user names and passwords for the electronic Payee site. You also agree not to use someone else's information to gain unauthorized access to another person's bill. Upon activation of the electronic bill presentment feature, Our System may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary and may take up to sixty (60) days, depending on the billing cycle of the Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. It is your responsibility to keep your accounts current. A Payee may deny your request to receive electronic bills. In some instances, if you have made a Payment to a Payee through the Bill Payment Service, the Payee may elect to send your bills or monthly statement(s) to you electronically. Our System will endeavor to present all of your electronic bills promptly through the Money Manager. In addition to notification within the Money Manager website, Our System may send an email notification to the email address listed for your Money Manager account. It is your sole responsibility to ensure that this contact information is accurate. In the event you do not receive notification, it is your responsibility to periodically log on to the Money Manager website and check on the delivery of new electronic bills. You are responsible for ensuring timely payment of all bills, regardless of whether or not Our System is able to present the electronic bills to you on a timely or complete basis. You agree to hold Our System and its service providers harmless should Our System or a Payee fail to deliver your monthly statement(s) or bill(s), or otherwise delay in such delivery. You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Our System is not responsible for the underlying accuracy of your electronic bill(s). Our System is only responsible for accurately presenting the information that Our System receives or obtains from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. These Terms do not alter your liability or obligations that currently exist between you and your Payee(s).
  • Third Party Accounts By using the Money Manager Service, you authorize Our System to access third party sites designated by you, on your behalf, to retrieve information requested by you. You hereby authorize and permit Our System to use information submitted by you to the Money Manager Service (such as account passwords and users names) to accomplish the foregoing and to configure the Money Manager Service so that it is compatible with the third party sites for which you submit your information. For all purposes hereof, you hereby grant Our System a limited power of attorney, and you hereby appoint Our System as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party sites, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN OUR SYSTEM IS ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, OUR SYSTEM IS ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that Our System's third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. Except for those relationships, you understand that Our System has no relationship to, affiliation, or connection with any third party sites available for use with the Money Manager Service. The Money Manager Service is not endorsed or sponsored by any such account providers. You agree that Our System assumes no responsibility and shall incur no liability with respect to the acts, omissions, or determinations of any such third party site. You acknowledge and agree that Our System may not maintain the same level of security against unauthorized access to your account information as the third party sites from which you authorize Our System to retrieve information on your behalf. c. Categorization of Transactions, Accounts or Other Information. The categorization in the Money Manager Service is an estimated categorization provided for your information only, and does not indicate accurate status of any transaction, account or other information. You agree that you will not rely on the categories provided in Money Manager or set by you for any purpose, including without limitation, for tax deductions. The term Our System may mean the use of a third party service such as Yodlee. Certain information in this section is copyright and used with permission from Yodlee.

Action Buttons*

Use the Action buttons, located throughout the site, to communicate directly with your creditors for any questions, problems or requests you may have. It is very fast and you don't need account numbers or have to worry about business hours. Best of all, you don't have to talk to anyone. Just push the button.

When a creditor replies to your Action request they may reply through our system which will then generate an Alert to you. Or, the creditor may reply directly to your home address. A creditor's reply may vary depending on the general responsiveness of the creditor and your Action request. Please allow reasonable time for your creditor(s) to respond to your Action(s).

A creditor may reply with acceptance, denial, counter-offer or request for more information. In some cases, a creditor may not respond at all. In other cases multiple Actions may be required to get the result you desire. Results or replies to your Action(s) are not guaranteed. Delivery of your Action(s) to a creditor is not guaranteed. We do reserve the right to reject any of your Actions for unnecessary repetition, frivolous requests or foul language.

You have until midnight, Pacific Time, to cancel your Action. After which our system will automatically fulfill your Action request.

You understand and agree that you control all Actions that you take during your Membership. You understand and agree that Action results or delivery are not guaranteed. Your creditors and other third parties that you initiate Actions with will make all decisions regarding whether to respond to and/or agree to your requests. You fully understand that you use our products at your own risk. We are never responsible for any costs or other damages you may incur as a result of any Actions you make while using our product. Please see the important disclaimers and limitations of liability below. When you take an Action you certify that all Actions initiated by you are appropriate and lawful. In particular, you understand and agree that disputing any valid accounts/charges or inappropriately claiming identity theft may constitute fraud, which is a crime subject to possible fines and/or imprisonment. If we determine that you are using our product to commit fraud, we will immediately terminate your account and we may report your activity to an appropriate law enforcement authority.

In order to process your Actions, we collect your financial account and creditor information. We may be required to collect additional identifying information or to verify your information by using third party sources. You agree to provide any additional information that we require in connection with your Actions. You are also granting us your limited power of attorney, located in the section entitled "Grant of Limited Power of Attorney", in order to delivery your Action request to your creditor.

You agree that if you add a creditor of your own through our Custom Action feature you are solely responsible for this information. You also agree that you will not add any credit reporting agency as a creditor and that any credit report disputes to any credit reporting agency from our system is strictly prohibited.

We reserve the right (but shall not be obligated) to filter your Action requests through our validation and frivolous filter engines designed to avoid abuses, provide continuity and protect our communications to the source or furnisher of information (i.e. your creditor) that is the subject of your Action.

Actions do not accumulate or roll-over to a subsequent billing period. If you choose not to use your free Action allotment granted to you per each billing period of your Membership, they will no longer be available to you. There are restrictions to the number of free Actions your Membership plan provides, please see Membership Options & Pricing above.

* These features are only available for paid memberships. Free membership may not include these features.

What if I have Questions?

If you are not a Member or need help enrolling in your Membership please contact us at (800) 707-2292. You can also go to our web site and click on Contact Us.

For Members, please log in to your account, and then click Contact Us. There you can use our simple form which will help you contact us with your specific needs. For security purposes, we do not accept emails, please just use this form.

If you need to contact us by telephone, please call (800) 707-2292.

MEMBERSHIP OPTIONS AND PRICING

About a trial Membership (if applicable):

  • Your trial days will be displayed during your Membership enrollment process, prior to you becoming a Member.
  • You may cancel your account within your trial period without any obligation or cost to you.
  • You will get full access to all the features of our product. However, the total number of Actions and Credit Score updates may be limited.
  • We reserve the right to pause your credit and money manager monitoring if you have not logged in to your account in 90 days. Your credit and money manager monitoring will resume upon login. This only applies to those who are currently in a trial period.
  • After your trial, your monthly Membership fees will be according to the Membership plan you have selected at enrollment. You may cancel and reactivate at any time. In some cases, certain Apps or third party partners may present you with offers that may require a fee. You are under no obligation to accept them.

About a Free Membership (if applicable):

  • You may cancel your account without any obligation or cost to you.
  • You will get full access to our product, however, the total number of Actions and Credit Score updates may be limited as well as Money Manager.
  • We reserve the right to pause your credit and money manager monitoring if you have not logged in to your account in 90 days. Your credit and money manager monitoring will resume upon login. This only applies to those who are currently in a trial period.

Membership Pricing

All Paid Membership plans include the following:

  • Smart Credit Report
  • Scores
  • Live ID Alerts
  • Money Manager
  • Action Buttons
  • Alerts
  • Apps & Tools

Essential Membership:

  • Free
  • (0) Actions per billing period
  • (1) updates to your Credit Scores per billing period
  • 3-Bureau Credit Reports & Scores***

Premium Membership:

  • $9.95 per month
  • (100) Actions per billing period
  • (4) updates to your Credit Scores per billing period
  • 3-Bureau Credit Reports & Scores***

***All active memberships will be allowed to order the 3-Bureau Credit Reports & Scores for a non-refundable one-time fee. Up to one 3-Bureau Credit Report & Scores may be ordered per day. Each order will incur a non-refundable one-time fee.

We reserve the right to offer you different Membership plans at any time where the monthly charge, Actions per billing period and updates to your Credit Scores per billing period maybe different than listed above.

Our prices are subject to change at any time. Prior to any price increase, we will give you notice, and you may cancel you Membership if you do not agree to the increase.

When you enroll in Membership our system may validate your method of payment to verify your identity and check for fraud. If you have not cancelled your Membership, we reserve the right to use an industry standard credit/debit card updater to update your method of payment should your current method of payment be lost, stolen or expired.

At the end of your trial period (if applicable) and if you have not cancelled your Membership, you will be charged your Membership fee according to the Membership plan you selected. Your billing period will begin once your trial period expires ('bill date'). You will be billed once per month on the anniversary of your bill date and your services will be renewed each month unless you cancel your membership. If your bill day is not available on a particular month, then you will be billed on the last day of that month.

You may cancel your Membership at any time by (1) using our Notice of Cancellation form below, or (2) log in to your account, or (3) call our customer service at (800) 707-2292.

If your method of payment for any charges described herein fails, you may lose access to your Membership.

We reserve the right to cancel your Membership without notice, if in our sole and exclusive determination, we find abuse of our system, including, but not limited to: improper enrollment information, false or failed credit cards and frivolous use of our Action buttons or our Smart Credit Report.

How does the Cancellation Policy work?

Canceling your Membership Account will immediately cease any additional charges. You agree to pay any accumulated, unbilled charges through the date of your cancellation, at the time of your cancellation. You may reactivate your account at any time.

Upon cancellation, you will lose access to the areas of the service designated for Members only and lose access to your data and other benefits. This could include any credit data and analysis that may have been displayed during your Membership.

You may cancel your Membership at any time by (1) using our Notice of Cancellation form below, or (2) log in to your account, or (3) call our customer service at (800) 707-2292.

Grant of Limited Power of Attorney.

You, the Member, hereby grant MoneyTips, its employees, agents, subcontractors and assigns, a specific, limited power of attorney, granting such authority necessary to provide our stated products to you, and to use the information contained in your personal credit profile and/or other creditor/sources of information to acquire your credit data, including, but not limited to, credit reports, scores, identification products, monthly credit report monitoring products and profiles so that we may provide current and future products to you.

You further grant to MoneyTips full power and authority to submit every act initiated by you in the exercise of any of the powers granted hereunder as fully as you might or would authorize if you were personally present, with full power of substitution and revocation, hereby ratifying and confirming all such acts undertaken within the authority of this power of attorney that are lawfully done or caused to be done.

MoneyTips, in its professional judgment, shall have sole discretion in determining the specific acts necessary to accomplish the purpose of this Agreement and may also include written and oral communications on your behalf with various agencies and entities such as, but not limited to, sources of reporting, creditors and collection agencies sharing credit information relating to you, the Member, so we can acquire your credit information for your use. You specifically grant to MoneyTips the right to engage in such an exchange of information on your behalf with the various agencies and entities disseminating credit data regarding you, the Member.

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within five days from the date the contract is signed.

To cancel this contract, simply log in to your account at moneytips.com.

Or, alternatively, you may also cancel this contract by mail. Please deliver a signed and dated copy of this cancellation notice, or any other written notice, to: MoneyTips - 2045 S. Barrington Ave., Suite A Los Angeles, CA 90025 postmarked within your trial period.

[ ] I hereby cancel my contract, and am within my five-day right to cancel.

or

[ ] I hereby cancel my contract.

Print Name________________________________________________ [required]

User Name_________________________________________________ [required]

Email you used to sign up________________________________ [required]

Date of Birth_____________________________________________ [required]

Telephone (may be used to verify your identity and your intent to cancel) (_____) ____________

Reason for cancellation_____________________________________________

Signature [required]:__________________________________________ Date:___________

Please print the above cancellation notice form, complete, sign, date it and mail to MoneyTips – 2045 S. Barrington Ave., Suite A Los Angeles, CA 90025.

4. Premium Services (Including Recurring Charges and Cancellation)

MoneyTips offers various premium advertising and marketing services to Users ("Premium Service"). By participating in the Premium Service, you agree to pay MoneyTips the dollar amount specified at the time of your purchase. Payments for Premium Service will be charged as either a one-time fee, multiple payments, or as a recurring subscription fee, and may or may not include a free trial period.

To the extent you purchase any options with a recurring subscription fee, the subscription fee will be charged immediately, or at the end of the free trial period, whichever applicable, to the credit or debit card you provide to MoneyTips and then on a recurring monthly basis until you cancel the Premium Service. You acknowledge that MoneyTips reserves the right to change the recurring subscription fee amount upon thirty (30) days advance written notice. You may cancel the Premium Service involving recurring changes by e-mailing MoneyTips at customercare@moneytips.com, or by calling us at (800) 395-7525.

If your payment method fails, MoneyTips reserves the right to suspend or terminate your Premium Service. Suspension or termination of your Premium Service does not absolve you from paying the Premium Service fees, and you agree to immediately provide MoneyTips with an alternative payment method and pay all past due amounts.

5. Cancellation and Refunds

Premium Service fees, whether paid as a one-time fee, as multiple payments, or as a recurring subscription, are not prorated or refundable upon cancellation. Premium Services that are billed on a recurring subscription basis must be canceled prior to the automatic recurring billing date in order to avoid being charged additional Premium Service fees. All Premium Service cancellations must be received via email to customercare@moneytips.com or via telephone by calling (800) 395-7525.

6. Information on the Services

Our Services display content that may or may not be created or developed by MoneyTips. This content is the sole responsibility of the person or entity that creates or develops it. MoneyTips assumes no responsibility or liability for such Content and makes no representations or warranties concerning the accuracy or quality of any underlying services or goods offered by third parties. We may review such third party-content to determine whether it is illegal or violates our policies, and we may remove or refuse to display content that we reasonably believe violates our policies or the law. MoneyTips reviews a portion of the content that is published via the Services, but we do not guarantee the accuracy, adequacy or quality of any such content, or the qualifications of those posting it. MoneyTips makes no representation as to the completeness, accuracy or currentness of any information made available via the Services. All content shown, described or depicted via the Services is subject to change at any time without notice. Certain descriptions are approximate and are provided for convenience purposes only. The inclusion of any content at a particular time does not imply or warrant that the content and its subject matter will be available at any time.

IMPORTANT CONSUMER NOTICES

Please read the following important consumer notices carefully.

WE ARE REQUIRED BY CERTAIN LAWS TO DISCLOSE THE FOLLOWING: "ONLY THE CREDIT BUREAUS CAN REMOVE OR CORRECT INACCURATE, UNVERIFIABLE, OR OUTDATED INFORMATION, FROM YOUR CREDIT REPORT(S), WHICH HAS NOT BEEN CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAUS. YOU MAY SEEK TO HAVE ANY INACCURATE INFORMATION CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CREDIT BUREAUS TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT. THEREFORE, IT IS IMPORTANT THAT YOU REALIZE THAT NO ONE (INCLUDING US, OUR PRODUCTS, OR ANY CREDIT REPAIR/CARE SERVICE) CAN REMOVE ACCURATE AND CURRENT INFORMATION FROM YOUR CONSUMER CREDIT PROFILE."

The Federal Trade Commission and some States' Attorneys General regulate creditors, credit bureaus and credit care organizations. As a safe harbor statement please know: "You have the right to sue a credit services organization if it misleads you."

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have a right to obtain a copy of your credit file from a consumer credit reporting agency. They may charge a reasonable fee not to exceed eleven dollars ($11). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information on your credit report within the preceding 60 days. There is also no fee if you certify that you are unemployed and intend to apply for employment during the next sixty (60) days, that you are a recipient of public welfare assistance, or that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud. You also have the right to receive one free copy of your credit report from each consumer credit reporting agency per year at the www.annualcreditreport.com web site.

The credit data provided or requested through our product is not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency and/or the reporting creditor must remove accurate negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.

YOU UNDERSTAND ANY ACTIONS YOU MAY TAKE DO NOT GO TO ANY CREDIT REPORTING AGENCY/CREDIT BUREAU, BUT ONLY TO YOUR CREDITOR AS YOU SELECT AND INSTRUCT. IT IS YOUR CREDITOR'S SOLE AND ABSOLUTE DISCRETION TO RESPOND TO YOUR ACTION AS THEY DEEM NECESSARY. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT FROM US TO COMMUNICATE WITH YOUR CREDITORS. YOU MAY COMMUNICATE DIRECTLY WITH YOUR CREDITORS FOR ANYTHING YOU WISH AT ANY TIME.

If, separately from using our product, you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer reporting agency must then reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this product. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency, to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you.

Nonprofit credit counseling services are available, usually without fees, to counsel you as to credit management and/or consolidation. Additionally, many of our product features you may perform on your own, such as our Actions. We are simply a neutral technology allowing consumers to communicate with their Creditors for whatever they need.

In compliance with our license (AND AS A SAFE HARBOR) with the State of California, we hold a Surety Bond #57BSBFN9192 as a credit services organization. To submit a claim against The Hartford Bond, its address is: One Hartford Plaza, Hartford, CT 06155

The E-Sign Act grants that electronic signatures on documents hold equivalent legal status as traditional handwritten signatures. By completing our online Membership Agreement, you certify that this digital signature is the equivalent of your handwritten signature. Also, you, agree that you have read and understand all of the Membership Terms & Conditions, Terms of Use, our Privacy Policy and our Information Statement About Your Membership, and you agree to and do sign each section of this Membership Terms contract with your digital signature.

/_/ I agree to all Terms. I received my Consumer Rights and Information Statement. Prior to your registration as a Member, you will be required to check an on-line confirmation box confirming your agreement.

7. No Formation of Relationship with MoneyTips of Users

Information available through the Services, including but not limited to written articles, videos, infographics, images, calculators, opinions, comments, recommendations, answers, analysis, User referrals, or other financial tools (collectively, "Financial Content"), is intended for general informational purposes only and is not intended as financial, tax, or legal advice, nor does it create a fiduciary relationship between Users and MoneyTips. It is not a substitute for an in-person or telephone consultation with an appropriate financial professional in your jurisdiction with the expertise to address your specific financial issue, and you should not rely upon such Financial Content.

8. User Posted Content & Other Interactive Services or Areas

MoneyTips includes interactive areas in which Users may post content and information, including peer and client reviews, questions and answers, comments, photos, videos, and other materials (the "User Content"). You retain all rights in, and are solely responsible for, the User Content you post to MoneyTips.

Users are solely responsible for the use of interactive features included in the Services and understand that you may be subject to internal compliance policies, as well as local, state, or federal regulating bodies. By using any interactive feature, you agree to comply with the MoneyTips Community Guidelines and assume all risk associated with your use. We reserve the right to remove or modify User Content for any reason including User Content that we believe violates these Terms or our policies.

When you post User Content to MoneyTips, you give MoneyTips and its Users and affiliates a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content throughout the world in any media. To the extent such User Content is attached to a profile on the MoneyTips platform, the foregoing license includes a right to reproduce your profile, and any name, likeness or photograph contained in such profile. If you submit feedback or suggestions about our Services, we may use your feedback or suggestions without obligation to you.

MONEYTIPS SHALL HAVE NO RESPONSIBILITY OR LIABILITY OF ANY KIND FOR ANY FINANCIAL CONTENT OR USER CONTENT YOU ENCOUNTER ON OR THROUGH THE SERVICE, AND ANY USE OR RELIANCE ON SUCH INFORMATION IS SOLELY AT YOUR OWN RISK.

9. Professional Advertising and Communications

It is solely the responsibility of the User to ensure that any information or advertisements they post or place on the Service, and any communications they may have with prospective clients through the Services, fully complies with all applicable laws and rules of professional conduct, including those concerning the unauthorized practice of financial services and those regulating the form, manner or content of communications with clients, advertising, or other matters.

10. Intellectual Property

Except where expressly stated otherwise, MoneyTips or its licensors is the owner or the licensee of all intellectual property rights located via the Services, in the materials published or otherwise made available through the Services. Those works, marks or inventions are protected by copyright, patent and trademark laws and treaties around the world and may not be modified, copied, printed, reproduced, distributed, republished, performed, downloaded, displayed, posted, transmitted and/or otherwise used in any form or by any means, including but not limited to electronic, mechanical, photocopying, recording, or other means, unless expressly permitted by us.Except where expressly provided otherwise by us, nothing made available via the Services may be construed to confer any license or ownership right in or materials published or otherwise made available through our Services, whether by estoppel, implication, or otherwise. All rights not granted to you in these terms are reserved.

We respond to notices of alleged copyright infringement and terminate accounts of infringers according to the process set out in the U.S. Digital Millennium Copyright Act.

If you believe any material made available through the Services constitutes an infringement of a copyright you own, you may file a notice of infringement to the contact identified below. A user who materially misrepresents that material is infringing will be liable for the costs incurred by us and our associated persons, including attorney fees. Accordingly, if you are uncertain whether you are or you represent the proper copyright holder, or if copyright laws protect the subject materials, you are strongly advised to consult a qualified attorney at your own expense. Any copyright infringement notification must be a written communication, transmitted by facsimile, electronic mail or first class mail, setting forth the following:

  1. a physical or electronic signature of the copyright or trademark owner or a person authorized to act on their behalf;
  2. detailed identification of the copyrighted work or trademark claimed to have been infringed;
  3. identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
  4. your contact information, including your address, telephone number, and an email address;
  5. a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

You may file a DMCA Notice of Alleged Infringement with MoneyTips designated Copyright Agent:

MoneyTips Copyright Agent
2045 S. Barrington Ave, Unit A
Los Angeles, CA 90025
Fax Number: (310) 209-8106
Email: copyright-agent@moneytips.com

11. Disclaimer of Warranty and Acknowledgements Regarding Use of Third Party Financial Information

While MoneyTips strives to provide useful financial information, there are some things that we cannot guarantee. You acknowledge that such information consists of third party data and contributions, that there are certain inherent limitations to the accuracy or currency of such information, that legal and other information may be incomplete, may contain inaccuracies, or may be based on opinion.

MONEYTIPS DOES NOT SCREEN SUCH INFORMATION FOR ACCURACY OR RELIABILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, MONEYTIPS AND ITS AFFILIATES, SUPPLIERS AND DISTRIBUTORS MAKE NO WARRANTIES, EITHER EXPRESS OR IMPLIED, ABOUT THE SERVICES. THE SERVICES ARE PROVIDED "AS IS." MONEYTIPS ALSO DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

NO WARRANTY: THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE OR ACCESSIBLE VIA THE SERVICES, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS," "AS AVAILABLE." WE DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL MONEYTIPS OR ANY OF ITS AFFILIATES, SUPPLIERS AND DISTRIBUTORS, OR ANY OF THEIR RESPECTIVE DIRECTORS, EMPLOYEES AND AGENTS, BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) THE OUTCOME OF ANY LEGAL MATTER; (B) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (C) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY RELATING TO THE SERVICES; OR (D) UNAUTHORIZED ACCESS, USE OR ALTERATION OF LEGAL INFORMATION.

TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF MONEYTIPS, AND ITS AFFILIATES, SUPPLIERS AND DISTRIBUTORS, FOR ANY CLAIM ARISING OUT OF OR RELATING IN ANY MANNER TO THE USE OF THE SERVICES, IS LIMITED TO THE AMOUNT YOU PAID US TO USE THE SERVICES TO WHICH SUCH CLAIM RELATES IN THE 12 MONTH PERIOD PRECEDING THE FILING OF SUCH CLAIM. IN THE INTEREST OF CLARITY, THIS LIMITATION APPLIES TO ALL SERVICES OFFERED BY MONEYTIPS, INCLUDING, WITHOUT LIMIATION, PREMIUM SERVICES.

13. Indemnification

You agree to defend, indemnify and hold harmless MoneyTips, its corporate affiliates, independent contractors, service providers and consultants, and each of their respective directors, employees and agents, from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys' fees) arising out of or related to any User Content you post, store or otherwise transmit on or through the Services or your use of or inability to use the Services, including without limitation any actual or threatened suit, demand or claim arising out of or relating to the User Content, your conduct in connection with the Services, your violation of these Terms or your violation of the rights of any third party.

14. Modification of Terms

MoneyTips, at its sole discretion, may revise these Terms from time to time, on a prospective basis, and will post the most up-to-date version on our website. If we determine, in our sole discretion, that a modification to these Terms materially affects your rights, we will notify you (by, for example, sending a message to your user account email address). By using or continuing to use or access the Services after any revisions have come into effect, you agree to be bound by the revised Terms. If you do not agree to the modified terms, you must stop using the Services.

15. Governing Law & Exclusive Venue

These Terms will be interpreted in accordance with the laws of the State of California and the United States of America, without regard to its conflict-of-law provisions. You and we agree to submit to the personal jurisdiction of a federal or state court located in the County of Los Angeles in the State of California for any actions for which the parties retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights, as set forth in the Dispute Resolution provision below.

16. Dispute Resolution

You and MoneyTips agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof, or to the use of the Services (collectively, "Disputes") will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. You acknowledge and agree that you and us are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, unless both you and us otherwise agree in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any class or representative proceeding. If this specific paragraph is held unenforceable, then the entirety of this "Dispute Resolution" section will be deemed void. Except as provided in the preceding sentence, this "Dispute Resolution" section will survive any termination of these Terms.

Arbitration Rules and Governing Law. The arbitration will be administered by JAMS ("JAMS") in accordance with the JAMS Comprehensive Arbitration Rules and Procedures (the "JAMS Rules") then in effect, except as modified by this "Dispute Resolution" section. (The JAMS Rules are available at http://www.jamsadr.com/rules-comprehensive-arbitra... or by calling JAMS at 1-800-352-5267.) The Federal Arbitration Act will govern the interpretation and enforcement of this section. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the JAMS Rules. (JAMS provides a form for the Demand for Arbitration via http://www.jamsadr.com/rules-download-rules/). Arbitration Location and Procedure. Unless you and MoneyTips otherwise agree, the arbitration will be conducted in the County of Los Angeles in the State of California.

17. Termination

Notwithstanding any of these Terms, MoneyTips reserves the right, without notice and in its sole discretion, to terminate your license to use the Services, and to block or prevent your access to and use of the Services. MoneyTips reserves the right to refuse service to anyone for any reason at any time. In the event of termination of access to the Services for any reason, you have no right to obtain a copy of any data or communications you stored or effected via the Services, or any other data.

18. Entire Agreement

You agree that this Agreement constitutes the entire, complete and exclusive agreement between you and us regarding the Services and supersedes all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of this Agreement. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other Services, third-party content or third party software. This Agreement does not alter in any way the terms or conditions of any separate agreement you may have with MoneyTips or its affiliates, for products, services or otherwise.

19. Waiver, Severability & Assignment

MoneyTips failure to enforce a provision of these Terms is not a waiver of its right to do so later. If any provision of these Terms is found unenforceable, the remaining provisions of the Terms will remain in full effect and an enforceable term or terms will be substituted reflecting our intent as closely as possible. You may not assign any of your rights under these Terms, and any attempt to do so will be void. MoneyTips may assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Services.

20. Questions & Contact Information

If you have any questions regarding the use of the Services, please visit the FAQ section of the site. All other questions or comments about the Services or its contents should be directed to Customer Care via direct mail at 2045 S. Barrington Ave, Unit A, Los Angeles, CA 90025, via email at customercare@moneytips.com, or by calling us at (800) 395-7525.

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