Terms & Conditions

UserCompanies, a Pennsylvania limited liability company and its affiliates and subsidiaries (collectively "UserCompanies", "we", "us", "our", or "Company"), encourages all users of this platform and service to review this Terms of Use Agreement ("Agreement").

Platform/Services

This platform offers a combination of marketing and technology services which are utilized by small to large brands for marketing purposes, consent management, and client acquisition/retention (collectively "Services"). Services through this platform/site are for the benefit of third parties only.

You understand and agree that if you provide an inquiry for additional information on this platform, the information you provide will be shared with the client network, affiliates, and/or vendors in order to provide such services.

Some business partners include companies who provide business services for us or on our behalf in order to deliver marketing services to you. Prior to submitting your inquiry, you will give prior express written consent to share the information you have provided in order to receive autodialed or prerecorded calls, texts, and emails from us and/or our client network, affiliates, and vendors to the phone numbers (including mobile numbers) and email addresses you provide to the platform.

We will share your personal information with our network of clients, including but not limited to: mortgage bankers, mortgage brokers, credit consultants, insurance brokers, or any other business in our client network that may be related to the service or product you have expressed interest in. As a result, different businesses may contact you.

We do not charge you a fee to use this platform and its Services. We are not a lender, debt service, debt settlement, real estate company, insurance agent, auto sales company, automotive warranty organization, or home service provider. All requirements to qualify for financial products are made by the client network, and we do not endorse, warrant, or guarantee such results.

Licensed organizations who may contact you are subject to federal and state laws and regulations for their practices. Please review the privacy practices of all third parties who contact you. If you have any questions regarding their practices, please contact them directly.

This platform/service is not intended for the use of minors. You certify to us that:

• You are at least 18 years of age.
• You assume full responsibility for the use of this platform/service by any minors.
• Any information you have submitted to us on this platform or otherwise is accurate and complete, and you have not submitted or provided false information to us.

Your use of this platform/service is subject to all applicable federal, state, and local laws and regulations.

Prohibited Use

You shall not use this platform/service for any illegal purpose or for the transmission of any unlawful material or material that is abusive, harmful, harassing, libelous, racially or ethnically offensive, invasive of another's privacy, obscene, threatening, vulgar, sexually explicit, tortious, defamatory, or that infringes on the intellectual property or rights of another; interfere with the proper working of this platform system, site, or service including system integrities or securities; interference of any account, or any communication or transaction being conducted on this platform/service; the use of any robot, spider, other automatic device, or manual process to monitor or access or copy our web pages or any content without our prior expressed written permission; take any action which imposes an unreasonable or excessively large load on our infrastructure; upload, post, transmit, or make available by any other means any data or content protected under any law or contractual relationship that you do not have the right to distribute; conduct fraud, represent yourself as someone else, or hide your identity.

Copyright and Trademark Notice

Our platform/services contain intellectual property owned by us and other parties. As for the relationship between you and us, we are the sole owner of the platform/services and all materials on or available through our platform/services, including all applicable U.S. and non-U.S. copyrights, trademarks, patents, trade secrets, and other intellectual property rights thereto (collectively "platform/services Content"). Except as otherwise specifically provided in this Agreement, you may not download or save a copy of the platform/services content, except for personal records, and non-commercial use with our marks, logos, or legends remaining intact.

NO WARRANTY

THE CONTENT AND ALL SERVICES ASSOCIATED WITH OUR PLATFORMS ARE PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT, MATERIALS, SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK.

RELEASE

YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE US AND OUR SERVICE PROVIDERS FROM ANY AND ALL CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, OR LIABILITIES WHICH ARISE FROM YOUR USE OF THE SERVICE.

LIMITATION OF LIABILITY AND DAMAGES

IN NO EVENT WILL WE BE LIABLE TO ANY PARTY FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE PLATFORM/SERVICES.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

All disputes or claims arising out of this Agreement or use of our services shall be resolved exclusively through final and binding arbitration. You waive your right to participate in a class action lawsuit or class-wide arbitration. Disputes under $1000 may be asserted in small claims court if applicable.

INDEMNIFICATION

You agree to indemnify and hold UserCompanies, its affiliates, and service providers harmless from any claim or demand due to your use of this platform/service or violation of this Agreement.

TERMINATION

If you breach this Agreement, we may terminate your use of the platform/service without notice. We may change, suspend, or terminate the platform/service for any reason without prior notice.

ENTIRE AGREEMENT

This Agreement constitutes the entire terms of use between you and us and supersedes any prior agreements.