Web Credit Advisors | Get Yourself Out Of Debt

Web Credit Advisors, Inc. adheres to debt adjustment laws by state.

LINK DISCLAIMER POLICY
The use of this site is governed by our Hyperlink Disclaimer, Informational Content Disclaimer, Privacy Policy, and Terms of Service. By using this site, you acknowledge that you have read these disclaimers and policies and that you accept and will be bound by their terms.

HYPERLINK DISCLAIMER
Hyperlink Disclaimer: The WCA, Inc. site contains hyperlinks to other Internet sites not under the editorial control of WCA, Inc. These hyperlinks are not express or implied endorsements or approvals by Web Credit Advisors, Inc., of any products, services or information available from these sites.

THE INFORMATION AND CONTENT PROVIDED ON THIS WEB SITE IS PROVIDED “AS IS” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABILITY OF ANY COMPUTER PROGRAM OR SOFTWARE, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATIONAL CONTENT, OR SYSTEM INTEGRATION, OR NON-INFRINGEMENT. Web Credit Advisors, Inc. MAXIMUM LIABILITY FOR ANY INACCURATE INFORMATION OR SOFTWARE AND YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY CAUSE WHATSOEVER, SHALL BE LIMITED TO THE AMOUNT PAID BY YOU FOR THE INFORMATION RECEIVED (IF ANY). Web Credit Advisors, Inc. IS NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, LOSS OF BUSINESS, LOSS OF PROFITS OR CONSEQUENTIAL DAMAGES, WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT, NEGLIGENCE, PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

PRIVACY POLICY
1. Policy. Web Credit Advisors, Inc.{“WCA, Inc.”} Privacy Policy covers WCA's treatment of personal or personally identifiable information (“Personal Information”) that may be collected when you are on the WCA, Inc. web site and when you use WCA, Inc.'s services. This policy does not apply to the practices of companies that WCA does not own or control, or to individuals that are not under WCA, Inc.'s supervisory control.
2. Collection and Use of Personal Information. WCA, Inc. may collect Personal Information when you enroll or purchase products from us, use certain services on the WCA, Inc. web site or when you visit cookie-enabled web pages. WCA, Inc. uses this Personal Information to fulfill requests for our services or products, to contact users regarding changes to our site or our business, and to customize the content that you might see on the WCA, Inc. web site.
3. Sharing and Disclosure of Personal Information. WCA, Inc. will not sell or rent your Personal Information to any individual, business, or government entity. WCA, Inc. will share your Personal Information with other entities when WCA, Inc. is required to respond to court orders, subpoenas or other legal process.
4. User Accounts. WCA, Inc. allows users to set up personal accounts to shop in our on-line store or to participate in our on-line communities, such as our message boards. You have the ability to edit your User Information at any time, and may delete your account at your convenience. Under no condition will WCA, Inc. share your user account information with another individual, business or government entity, unless WCA, Inc. is required to respond to court orders, subpoenas or other legal process.
5. Encryption. All user account pages are protected with Secure Socket Layer (“SSL”) encryption. All user accounts must be accessed with usernames and passwords. You are advised not to share your username and password with any other person.
6. Amendments. WCA, Inc. reserves the right to amend this policy at any time. WCA, Inc. will contact registered users by e-mail, and shall also post a notice of changes on its web site, when and if the terms of this policy are amended.
7. Contact. You may contact WCA, Inc. directly by e-mailing support@webcreditadvisors.com or 800-262-2638 Should you have any questions regarding this policy.

TERMS OF SERVICE.
1. Acceptance of Terms of Use. Web Credit Advisors, Inc. “ WCA, Inc. “ provides its on-line services and Web Site to you, the User, subject to this Terms of Service Agreement (“TOS”). WCA, Inc. reserves the right to alter the TOS at any time without notice to User. By using the WCA, Inc. web site, located at the URL http//webcreditadvisors.com, User agrees to abide buy this TOS Agreement.

2. On-line Services and Disclaimer of Warranty. The WCA, Inc. web site provides on-line resources including, but not limited to, on-line information regarding WCA, Inc.'s services, downloadable content, and on-line communities. Any new services, resources or informational content added to the web site shall fall under the terms of this TOS Agreement. The on-line resources, informational content, and software on this web site is provided “AS IS”, AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABILITY OF ANY COMPUTER PROGRAM OR SOFTWARE, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATIONAL CONTENT, OR SYSTEM INTEGRATION, OR NON-INFRINGEMENT. WCA, Inc. assumes no responsibility for any data loss or other loss suffered by any User of this web site. User is fully responsible for maintaining its computer equipment and Internet access to use the WCA, Inc. web site.

3. Registration. Certain areas of the WCA, Inc. web site are provided solely to registered users of the web site. Any User registering for such services agrees to provide true and accurate information during the registration process. WCA, Inc. reserves the right to terminate the access of such Users should WCA, Inc. know, or have reasonable grounds to suspect, that a User has entered false or misleading information during the registration process. ALL REGISTERED USERS MUST BE OF LEGAL AGE TO REGISTER. Children under the age of 18 shall not be permitted to register unless under the strict supervision of a legal guardian. WCA, Inc. reserves the right to require valid credit card information as proof of legal age. WCA, Inc. maintains strict on-line Privacy Policy and will not sell or give your information to other parties.

4. User account. Users will select a username and password upon completing the registration process. Users are fully responsible for maintaining the confidentiality of their username and password. User agrees to immediately notify WCA, Inc. at 973-553-1119 should User know, or have reasonable grounds to suspect, that the username and password have been compromised. WCA, Inc. shall not be responsible for User's failure to abide by this Paragraph.

5. Informational content supplied by Users. User understands that all information, computer files, software, graphics, sound files, and text, whether publicly displayed by User on the WCA, Inc. web site, or privately transmitted through the WCA, Inc. web site, are the responsibility of the User from which such informational content has originated. User is fully responsible for any and all informational content that user uploads, posts, e-mails, or transmits using the WCA, Inc. web site. WCA, Inc. does not and cannot control the informational content Users transmit through the WCA, Inc. web site. Under no circumstances shall WCA, Inc. be held liable for User's exposure to informational content that User deems offensive, indecent or objectionable. Under no circumstances shall WCA, Inc. be held liable for any errors or omissions in any informational content transmitted by Users.

6. User conduct. User agrees to not use the WCA, Inc. web site to:
(a)upload, post, or transmit any informational content that is unlawful, threatens another person or entity, defamatory, vulgar, obscene, libelous, invades the privacy of another, or is otherwise objectionable;
(b)harm legal minors;
(c)collect personal information on, “cyberstalk” or harass another User, or engage in conduct that negatively affects the on-line experience of another User;
(d)impersonate another User, person, or entity, including any official or employee of WCA, Inc.;
(e)intentionally or unintentionally violate any local, state, or federal law, including violations of the Copyright Act;
(f)upload, post or transmit any software or files that contain software viruses or other harmful computer code;
(g)interfere with the operation of WCA, Inc.'s web servers or other computers or Internet or network connections;
(h)upload, post or transmit any informational content that is the copyrighted, patented or trademarked intellectual property of another, or the trade secret of or confidential information of another;
(i)upload, post or transmit and unsolicited or unauthorized advertising, including “spam” or “junk mail.”

WCA, Inc. does not pre-screen uploaded, posted or transmitted content, but WCA, Inc. reserves the right to inspect, edit and delete any content that WCA, Inc. knows, or has reason to know, has violated this TOS Agreement. WCA, Inc. reserves the right to immediately, and without notice, terminate the account of any User found to have violated the provisions of this TOS Agreement. WCA, Inc. may disclose any informational content Users post, upload or transmit to the WCA, Inc. web site, if such disclosure is necessary to enforce this TOS Agreement, to respond to claims of intellectual property infringement, to comply with legal process, or to protect the rights of WCA, Inc., the public, or other Users.

7. Content submitted by Users. WCA, Inc. does not claim ownership of any informational content submitted by Users to the WCA, Inc. web site. User grants WCA, Inc. a non-exclusive, royalty free license to use, distribute, reproduce, modify, and publicly display any informational content submitted to the WCA, Inc. web site. This license exists only so long as User allows its content to remain on the WCA, Inc. web site and will terminate in the event that User removes such content.

8. Indemnity. You agree to indemnify and hold WCA, Inc., and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of content you submit, post, transmit or make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.

9. No resale. User agrees not to reproduce, copy, duplicate, or sell any portion of the WCA, Inc. web site.

10. Limits and modifications. WCA, Inc. may establish without notice limits on the use of its web site, including the maximum number of times Users may post to or participate in the on-line communities, or to the number of times Users may access the WCA, Inc. web site. WCA, Inc. reserves the right to modify any and all portions of the WCA, Inc. web site without notice. Under no circumstances shall WCA, Inc. be liable to User or any other party for such limits or modifications.

11. Termination of User account. WCA, Inc. may, at its sole discretion, terminate the User's account for any reason. Under no circumstances shall WCA, Inc. be liable to User or any other party for such termination of User's account.

12. Third party advertisers. WCA, Inc. may allow third party advertisers to advertise on the WCA, Inc. web site. WCA, Inc. takes no responsibility for User's dealings with, including any on-line or other purchases from, any third party advertisers. WCA, Inc. shall not be liable for any loss or damage incurred by User in its dealings with third party advertisers.

13. Hyperlink policy. The WCA, Inc. site contains hyperlinks to other Internet sites not under the editorial control of WCA, Inc.. These hyperlinks are not express or implied endorsements or approvals by [WCA], of any products, services or information available from these sites.

14. WCA, Inc.'s intellectual property rights. User agrees not to distribute, license, or create derivative works from any of WCA, Inc.'s copyrighted or trademarked material, including graphic files and software, available on the [WCA] web site.

15. No warranties. THE INFORMATION AND DOWNLOADABLE CONTENT PROVIDED ON THIS WEB SITE IS PROVIDED “AS IS” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABILITY OF ANY COMPUTER PROGRAM OR SOFTWARE, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATIONAL CONTENT, OR SYSTEM INTEGRATION, OR NON-INFRINGEMENT.

16. Limitation of liability. WCA, Inc. MAXIMUM LIABILITY FOR ANY INACCURATE INFORMATION OR SOFTWARE AND YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY CAUSE WHATSOEVER, SHALL BE LIMITED TO THE AMOUNT PAID BY YOU FOR THE INFORMATION RECEIVED (IF ANY). WCA, Inc. IS NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, LOSS OF BUSINESS, LOSS OF PROFITS OR CONSEQUENTIAL DAMAGES, WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT, NEGLIGENCE, PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE LIMITATIONS OF THIS PARAGRAPH MAY NOT APPLY TO YOU.

17. Notice. Notices may be posted to the WCA, Inc. web site or e-mailed to Users using the e-mail address Users submitted during the registration process.

18. General. This TOS Agreement constitutes the entire agreement between you and WCA, Inc. and governs your use of the WCA, Inc. web site. This TOS Agreement shall be governed by the laws of the State of New Jersey. User agrees to submit to the personal and exclusive jurisdiction of the courts located within the county of Bergen in the State of New Jersey. The failure of WCA, Inc. to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of this TOS Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS Agreement remain in full force and effect. Any claim arising under the terms of this TOS Agreement must be brought within one (1) year after such claim or cause of action arose or be forever barred.

19. Violations. Please report any known or suspected violations of the Terms of Use, including any suspected copyright or trademark violations, to Web Credit Advisors, Inc.