Terms & Conditions for Credit Online Solutions
This document sets out your rights and responsibilities for accessing or using the CreditOnlineSolutions.com websites , and other associated sites linked hereto and operated or controlled by Credit Online solutions
Credit Online Solutions also does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.
A. Privacy Policy, and Other Documents
You may find links to our Privacy Policy page, and any other legal page in this site, at the footer of this page.
Briefly, we generally collect only as much personally identifying information as is required to provide the services. Our general policy is not to disclose any personal nonpublic information of any visitor, customer, member, or client to any third-party, except under very limited circumstances.
We only disclose such information to improve the services or your user experience, or when we are required to disclose. We will disclose only as much as information as is needed to provide the enhanced user experience or improved service. We will disclose where strictly required by law – e.g., if we are under a subpoena or court order, and/or if our attorneys advise us to provide the information. While we are very protective of our user’s personal data, you agree that Credit Online Solutions or our assignees may disclose your personal information to a third-party if we, in our sole discretion, believe that the law or legal process requires it, or to protect the rights, property, or safety of Credit Online Solutions or others, or as otherwise described in our posted Privacy Policy.
Users of the Site(s) should refer to our Privacy Policy for more detailed information about how we use and collect information.
You also understand that the Sites or portions of the Sites are publicly available and that if you post on a public site or via social media your post (including any personal information therein) may be publicly accessible via search engines and other means on the public Internet. Credit Online Solutions assumes no responsibility for information that YOU make public, and we will not be liable for any harm or damages that may arise from disclosures of your personal identifying information made by you or others not in our control. You should be careful and avoid posting information you do not wish to disclose on a public site or via social media. If you post via social media, we do not have control over the content of your post.
B. Authorized Uses of The Site(s)
Your Use of the Sites is Subject to This Limited License
The Credit Online Solutions site, and all content thereon (the “Content”), is the exclusive and private property of its owner(s) unless otherwise stated. Use of the Sites is permitted under a “limited license” that provides you limited access under these Terms.
Your access can be revoked without warning if you violate these Terms. Except as otherwise expressly provided, your right to access and to use the Credit Online Solutions site is personal to you. You may not share your access, username, login, or password to the Sites, or to any software, products, or services offered via the Sites. You agree to keep your login credential secure, and to comply with all password security policies, including password change and complexity requirements. You understand that if you are prompted to change your password, you may lose access to the Sites, software, products, or services if you fail do so.
You may use a standard web-browser (e.g. on a desktop, laptop, or similar computer, or on a portable device such as a tablet, smartphone, or other mobile device) to access the Sites, software, products, and services. All other software to access the Sites, the Content, or our database(s) is in violation of these TOS.
Permissible uses of the Credit Online Solutions sit includes all the uses which would normally be associated with a site of this nature, and which are not expressly prohibited herein. For example, our Sites may provide videos or posts – you can view them and replay them. Some Content may include an invitation or opportunity to comment, discuss, or post questions or feedback for us via the Sites or via social media. You may also have opportunities to participate in our polls, surveys, discussion threads, forums, or the like. You may have the ability to interact with and share experiences with us or other users.
You may also provide feedback or input to us directly in certain areas of the Sites, such as where comments are permitted. You can share the Sites with others via social media; however, you may not provide any link to an internal page on the Sites that is not public, whether or not you have a URL for such page. You may have access through the Sites to software, products, or services that you have licensed or purchased from us, or subscribed to. In most cases you will have to provide your login credentials to gain access.
You understand and agree that the Content on the Sites is subject to copyright laws in the US and internationally. You may only copy or download content or information on the Sites that is expressly provided for that purpose. You understand and agree that we, in our sole discretion can decide which content you may download, copy, and/or share and that you will abide by our decisions and policies with regard to our content. You understand that if you do copy or reproduce any information without permission, we may immediately terminate your access to the Sites and/or to the products or services.
If a file is made available for and intended for downloading, there will be downloading instructions, which tell you that you can download it and will also indicate whether you may share it. If a downloadable file does not expressly state that you may share it, then you may not do so without written permission.
Unauthorized use of the Sites or the content is strictly prohibited.
While there are many permitted uses of the Credit Online Solutions sit as detailed above, not all uses are permitted.
Except as expressly provided, no commercial uses are allowed of the Site(s) or any of the Content without written permission. The foregoing in no way limits the use of the Credit Online Solutions sit software by registered Users or licensees whose use is controlled by their respective End User License Agreement. Any use of the Sites that could in any way damage or impair the functionality for other users to any extent is prohibited.
You agree to respect our intellectual property rights and understand that you may not download or copy ANY of our Content in ANY area of the Site, except where permission to do so expressly provided, or unless such information is provided on specific parts or portions of the Sites, such as a “Downloads” or “Free Resources” section.
You may not download or copy our information yourself and you may not employ any automated device, software tools, harvester, extractor, scraper, spider, robot, program, code, script, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, or copy the Sites or any portion thereof, or any Content. You may not reproduce the Sites or portions thereof in any way, nor ‘mirror’ the sites at a separate location or server. You may not obtain or attempt to obtain any Content through any means not purposely made available through the normal use of the Sites (e.g. using a standard web browser).
You also expressly agree not to attempt to reverse engineer, replicate, or circumvent any software, product, or service feature of the Sites, or that is marketed through the Sites.
You also agree not to attempt to divert traffic from the Sites by use of a confusingly similar domain name. You agree not to claim or suggest ownership or control of the Sites, nor to imply or suggest any non-existent affiliation with the Sites. You agree not to use such opportunities for posting comment spam, links to other software, products, or services, or attacking other users. You understand and agree that any such prohibited uses may result in the loss of access to the Sites, software, products, or services without warning or refund.
You also may not attempt to gain unauthorized access of any kind to the Sites, or to any software, product, or service offered through the Sites via any means including hacking, password guessing, backdoors, code injection, or any other means. You also agree that you will not engage in any activities using the Sites that violate applicable laws or regulations in your locale. Such uses are strictly prohibited and include invasion of privacy laws, laws pertaining to defamation or libel, or the like.
C. Intellectual Property
All Content (including e.g. text, graphics, video, video scripts, music, artwork, sounds and sound tracks, visual components, photographs, and computer code, as well as branding, logos, and such), including but not limited to the individual design elements, selection, layout, coordination, structure, expression, and sequencing, user interfaces, “look and feel,” and arrangement on the Sites, or in the software, products, or services offered through the Sites is owned or controlled by, or under license to Credit Online Solutions, and is protected by US and international copyright, trademark, trade dress, and various other applicable intellectual property rights, including unfair competition laws.
You agree that you will not remove, replace, or obscure any copyright, trademark, service mark or other indicia of source or ownership, nor any notices or legends used in connection with any Content provided on the Sites or software, products, or services offered through the Sites, nor with respect to anything that you may post or upload to the Sites (if any uploading is permitted) or via any software or service. Any effort to remove, replace, or obscure such marks is a violation of our Terms of Service.
The prohibition on removing copyright and similar notices applies to any downloadable files that may be provided on the Sites, even where we give you permission to share those files with others. You must share the file as we provide it and not remove our marks, notices, or legends. Third party content, if any, provided by users may be copyrighted by such third parties and its use on the Sites is with permission, or solely for discussion, commentary, and/or educational purposes, and is believed to be a fair use within the meaning of 17 USC § 107.
Credit Online Solution’s marks (whether or not registered) may not be used for any reason(s) without written permission, regardless of purpose or intent. You agree not to register, operate, or lease any domain with a confusingly similar name to any such mark(s) without permission from Credit Online Solutions. Any other trademarks or service marks used or mentioned herein, whether or not registered, are the property of their respective owners. Permission for the use of any third-party mark should be obtained from the owner.
For purposes herein, discussion or commentary that may involve federally registered trademark names, or names protected under the common law is believed to be nominative use that is permissible and not subject to restriction.
We are always looking to improve our software, products, and services. We welcome your ideas, suggestions and comments for improvements, or new products or services. We accept all unsolicited ideas, suggestions, and feedback solely on an unrestricted basis, meaning that we are not limited in how we utilize, implement, or commercialize the ideas, suggestions, or feedback. Our acceptance of your voluntarily submitted ideas, suggestions, or feedback is not an acknowledgement or admission that anything in the idea, suggestion, or feedback is original to you. Unless we have agreed otherwise in writing prior to your submission, you understand that we own all rights to any improvement(s) or new product(s) we make, whether or not they incorporate or appear to incorporate (in whole or in part) any idea, feedback or suggestion you have provided. You agree to relinquish and/or assign any right, title, or interest in such suggestion that you might otherwise retain. You agree that our review and consideration of your idea, suggestion, or feedback, and/or our implementation or development thereof (in whole or part), as well as your access or continued access to the software, product, or service, are adequate compensation for your assignment thereof. Do not submit any ideas, suggestions, or comments unless you understand and accept the foregoing.
Log Files
CreditOnlineSolutions.com follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information. Our Privacy Policy was created with the help of the Privacy Policy Generator and the Disclaimer Generator.
Cookies and Web Beacons
Like any other website, CreditOnlineSolutions.com uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information. For more general information on cookies, please read "What Are Cookies"
Google DoubleClick DART Cookie
Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads
Our Advertising Partners
Some advertisers on our site may use cookies and web beacons. Our advertising partners are listed below. Each of our advertising partners has their own Privacy Policy for their policies on user data. For easier access, we hyperlinked to their Privacy Policies below.
Advertising Partners Privacy Policies
You may consult this list to find the Privacy Policy for each of the advertising partners of CreditOnlineSolutions.com.
Third-party ad servers or ad networks use technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on CreditOnlineSolutions.com, which are sent directly to users' browsers. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness
of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit. Note that CreditOnlineSolutions.com has no access to or control over these cookies that are used by third-party advertisers.
Third Party Privacy Policies
CreditOnlineSolutions.com's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options. You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.
CCPA Privacy Rights (Do Not Sell My Personal Information)
Under the CCPA, among other rights, California consumers have the right to: Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers. Request that a business delete any personal data about the consumer that a business has collected. Request that a business that sells a consumer's personal data, not sell the consumer's personal data. If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.
GDPR Data Protection Rights
We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please
contact us.
Children's Information
Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. CreditOnlineSolutions.com does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
Your continued access or use of the Sites is your acceptance of the foregoing Terms of Service in their entirety.
Please enjoy the Sites!
Questions regarding our Terms of Service may be directed to: info@creditonlinesolutions.com
†Advertiser's Disclosure: Credit Online Solutions, also referred as COS, is an independent, advertising-supported site. This website is not part of, nor is it affiliated with Facebook, Instagram or any social platform. Consumers should be aware that Credit Online Solutions does not perform credit checks and is not acting as a credit services agent or financial advisor for you. Credit Online Solutions does not collect payment information from consumers. After matching advertisers, based on the consumers’ needs and circumstance, the consumer is required to complete an application with a third party directly. If such application is approved by the third party, Credit Online Solutions may receive a compensation for that customer referral. That compensation allows Credit Online Solutions to keep offering their premium service at no cost to the consumer.
Furthermore, the Credit Online Solutions website does not guarantee approval for a loan. Credit Online Solutions matches borrowers with financial solutions that appear to be best fit for their situation. Credit Online Solutions is not a lender and does not represent lenders as loan brokers, or in any other capacity, beyond a referral source. With this in mind, consumers must read closely any terms, conditions, privacy policies, fee structures, etc., presented by the third parties, in order to be aware of applicable costs and/or benefits.