Terms Of Use Agreement

Welcome to our Web site. By using our site, you are agreeing to comply

with and be bound by the following terms of use. Please review the following terms

carefully. If you do not agree to these terms, you should not use this site. The term

“_______________________________” or “us” or “we” or “our” refers to Seattle Web

Services, the owner of the Web site. The term “you” refers to the user or viewer of our

Web Site.

1. Acceptance of Agreement.

You agree to the terms and conditions outlined in this Terms of Use

Agreement (“Agreement”) with respect to our site (the “Site”). This Agreement

constitutes the entire and only agreement between us and you, and supersedes all prior

or contemporaneous agreements, representations, warranties and understandings with

respect to the Site, the content, products or services provided by or through the Site,

and the subject matter of this Agreement. This Agreement may be amended at any time by

us from time to time without specific notice to you. The latest Agreement will be posted

on the Site, and you should review this Agreement prior to using the Site.

2. Copyright.

The content, organization, graphics, design, compilation, magnetic

translation, digital conversion and other matters related to the Site are protected

under applicable copyrights, trademarks and other proprietary (including but not limited

to intellectual property) rights. The copying, redistribution, use or publication by you

of any such matters or any part of the Site, except as allowed by Section 4 below, is

strictly prohibited. You do not acquire ownership rights to any content, document or

other materials viewed through the Site. The posting of information or materials on the

Site does not constitute a waiver of any right in such information and materials. Some

of the content on the site is the copyrighted work of third parties.

3. Service Marks.

“CreditRepairFacts.com” and others are our service marks or registered service

marks or trademarks. Other product and company names mentioned on the Site may be

trademarks of their respective owners.

4. Limited License; Permitted Uses.

You are granted a non-exclusive, non-transferable, revocable license

(a) to access and use the Site strictly in accordance with this Agreement; (b) to use

the Site solely for internal, personal, non-commercial purposes; and (c) to print out

discrete information from the Site solely for internal, personal, non-commercial

purposes and provided that you maintain all copyright and other policies contained

therein. No print out or electronic version of any part of the Site or its contents may

be used by you in any litigation or arbitration matter whatsoever under any

circumstances.

5. Restrictions and Prohibitions on Use.

Your license for access and use of the Site and any information,

materials or documents (collectively defined as “Content and Materials”) therein are

subject to the following restrictions and prohibitions on use: You may not (a) copy,

print (except for the express limited purpose permitted by Section 4 above), republish,

display, distribute, transmit, sell, rent, lease, loan or otherwise make available in

any form or by any means all or any portion of the Site or any Content and Materials

retrieved therefrom; (b) use the Site or any materials obtained from the Site to

develop, of as a component of, any information, storage and retrieval system, database,

information base, or similar resource (in any media now existing or hereafter

developed), that is offered for commercial distribution of any kind, including through

sale, license, lease, rental, subscription, or any other commercial distribution

mechanism; (c) create compilations or derivative works of any Content and Materials from

the Site; (d) use any Content and Materials from the Site in any manner that may

infringe any copyright, intellectual property right, proprietary right, or property

right of us or any third parties; (e) remove, change or obscure any copyright notice or

other proprietary notice or terms of use contained in the Site; (f) make any portion of

the Site available through any timesharing system, service bureau, the Internet or any

other technology now existing or developed in the future; (g) remove, decompile,

disassemble or reverse engineer any Site software or use any network monitoring or

discovery software to determine the Site architecture; (h) use any automatic or manual

process to harvest information from the Site; (i) use the Site for the purpose of

gathering information for or transmitting (1) unsolicited commercial email; (2) email

that makes use of headers, invalid or nonexistent domain names, or other means of

deceptive addressing; and (3) unsolicited telephone calls or facsimile transmissions;

(j) use the Site in a manner that violates any state or federal law regulating email,

facsimile transmissions or telephone solicitations; and (k) export or re-export the Site

or any portion thereof, or any software available on or through the Site, in violation

of the export control laws or regulations of the United States.

6. Forms, Agreements & Documents

We may make available through the Site or through other Web sites

sample and actual forms, checklists, business documents and legal documents

(collectively, “Documents”). All Documents are provided on a non-exclusive license

basis only for your personal one-time use for non-commercial purposes, without any right

to re-license, sublicense, distribute, assign or transfer such license. Documents are

provided for a charge and without any representations or warranties, express or

implied, as to their suitability, legal effect, completeness, currentness, accuracy,

and/or appropriateness. The Documents are provided “as is”, “as available”, and with

“all faults”, and we and any provider of the Documents disclaim any warranties,

including but not limited to the warranties of merchantability and fitness for a

particular purpose. The Documents may be inappropriate for your particular

circumstances. Furthermore, state laws may require different or additional provisions

to ensure the desired result. You should consult with legal counsel to determine the

appropriate legal or business documents necessary for your particular transactions, as

the Documents are only samples and may not be applicable to a particular situation.

Some Documents are public domain forms or available from public records.

7. No Legal Advice or Attorney-Client Relationship.

Information contained on or made available through the Site is not

intended to and does not constitute legal advice, recommendations, mediation or

counseling under any circumstance and no attorney-client relationship is formed. We do

not warrant or guarantee the accurateness, completeness, adequacy or currency of the

information contained in or linked to the Site. Your use of information on the Site or

materials linked to the Site is entirely at your own risk. We are not a law firm and

the Site is not a lawyer referral service.

8. Linking to the Site.

You may provide links to the Site, provided (a) that you do not remove

or obscure, by framing or otherwise, advertisements, the copyright notice, or other

notices on the Site, (b) your site does not engage in illegal or pornographic

activities, and (c) you discontinue providing links to the Site immediately upon request

by us.

9. Advertisers.

The Site may contain advertising and sponsorships. Advertisers and

sponsors are responsible for ensuring that material submitted for inclusion on the Site

is accurate and complies with applicable laws. We are not responsible for the

illegality or any error, inaccuracy or problem in the advertiser’s or sponsor’s

materials.

10. Registration.

Certain sections of, or offerings from, the Site may require you to

register. If registration is requested, you agree to provide us with accurate, complete

registration information. Your registration must be done using your real name and

accurate information. Each registration is for your personal use only and not on behalf

of any other person or entity. We do not permit (a) any other person using the

registered sections under your name; or (b) access through a single name being made

available to multiple users on a network. You are responsible for preventing such

unauthorized use.

11. Errors, Corrections and Changes.

We do not represent or warrant that the Site will be error-free, free

of viruses or other harmful components, or that defects will be corrected. We do not

represent or warrant that the information available on or through the Site will be

correct, accurate, timely or otherwise reliable. We may make changes to the features,

functionality or content of the Site at any time. We reserve the right in our sole

discretion to edit or delete any documents, information or other content appearing on

the Site.

12. Third Party Content.

Third party content may appear on the Site or may be accessible via

links from the Site. We are not responsible for and assume no liability for any

mistakes, misstatements of law, defamation, omissions, falsehood, obscenity, pornography

or profanity in the statements, opinions, representations or any other form of content

on the Site. You understand that the information and opinions in the third party

content represent solely the thoughts of the author and is neither endorsed by nor does

it necessarily reflect our belief.

13. Unlawful Activity.

We reserve the right to investigate complaints or reported violations

of this Agreement and to take any action we deem appropriate, including but not limited

to reporting any suspected unlawful activity to law enforcement officials, regulators,

or other third parties and disclosing any information necessary or appropriate to such

persons or entities relating to your profile, email addresses, usage history, posted

materials, IP addresses and traffic information.

14. Indemnification.

You agree to indemnify, defend and hold us and our partners, agents,

officers, directors, employees, subcontractors, successors, assigns, third party

suppliers of information and documents, attorneys, advertisers, product and service

providers, and affiliates (collectively, “Affiliated Parties”) harmless from any

liability, loss, claim and expense, including reasonable attorney’s fees, related to

your violation of this Agreement or use of the Site.

15. Nontransferable.

Your right to use the Site is not transferable or assignable. Any

password or right given to you to obtain information or documents is not transfle or

assignable.

16. Disclaimer.

THE INFORMATION, CONTENT AND DOCUMENTS FROM OR THROUGH THE SITE ARE

PROVIDED “AS-IS,” “AS AVAILABLE,” WITH “ALL FAULTS”, AND ALL WARRANTIES, EXPRESS OR

IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED

WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE INFORMATION AND

SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE AND OUR AFFILIATED

PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR SERVICE, EXCEPT

AS PROVIDED IN SECTION 17(b). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WE AND OUR

AFFILIATED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL

DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE

LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING

NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH

DAMAGES. THE NEGATION AND LIMITATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS

OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THIS SITE AND THE PRODUCTS, SERVICES,

DOCUMENTS AND INFORMATION PRESENTED WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO

ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SITE

OR OTHERWISE SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED

IN THIS AGREEMENT.

ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES

CONTAINED WITHIN THE ELECTRONIC FILE CONTAINING A FORM OR DOCUMENT IS DISCLAIMED.

17. Limitation of Liability

(a)We and any Affiliated Party shall not be liable for any loss,

injury, claim, liability, or damage of any kind resulting in any way from (a) any errors

in or omissions from the Site or any services or products obtainable therefrom, (b) the

unavailability or interruption of the Site or any features thereof, (c) your use of the

Site, (d) the content contained on the Site, or (e) any delay or failure in performance

beyond the control of a Covered Party.

(b)THE AGGREGATE LIABILITY OF US AND THE AFFILIATED PARTIES IN

CONNECTION WITH ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE AND/OR THE PRODUCTS,

INFORMATION, DOCUMENTS AND SERVICES PROVIDED HEREIN OR HEREBY SHALL NOT EXCEED $100 AND

THAT AMOUNT SHALL BE IN LIEU OF ALL OTHER REMEDIES WHICH YOU MAY HAVE AGAINST US AND ANY

AFFILIATED PARTY.

18. Use of Information.

We reserve the right, and you authorize us, to the use and assignment

of all information regarding Site uses by you and all information provided by you in any

manner consistent with our Privacy Policy. All remarks, suggestions, ideas, graphics, or

other information communicated by you to us (collectively, a “Submission”) will forever

be our property. We will not be required to treat any Submission as confidential, and

will not be liable for any ideas (including without limitation, product, service or

advertising ideas) and will not incur any liability as a result of any similarities that

may appear in our future products, services or operations. Without limitation, we will

have exclusive ownership of all present and future existing rights to the Submission of

every kind and nature everywhere. We will be entitled to use the Submission for any

commercial or other purpose whatsoever, without compensation to you or any other person

sending the Submission. You acknowledge that you are responsible for whatever material

you submit, and you, not us, have full responsibility for the message, including its

legality, reliability, appropriateness, originality, and copyright.

19. Third-Party Services.

We may allow access to or advertise certain third-party product or

service providers (“Merchants”) from which you may purchase certain goods or services.

You understand that we do not operate or control the products or services offered by

Merchants. Merchants are responsible for all aspects of order processing, fulfillment,

billing and customer service. We are not a party to the transactions entered into

between you and Merchants. You agree that use of or purchase from such Merchants is AT

YOUR SOLE RISK AND IS WITHOUT WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED OR

OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY OR NON-

INFRINGEMENT. UNDER NO CIRCUMSTANCES ARE WE LIABLE FOR ANY DAMAGES ARISING FROM THE

TRANSACTIONS BETWEEN YOU AND MERCHANTS OR FOR ANY INFORMATION APPEARING ON MERCHANT

SITES OR ANY OTHER SITE LINKED TO OUR SITE.

20. Third-Party Merchant Policies.

All rules, policies (including privacy policies) and operating

procedures of Merchants will apply to you while on any Merchant sites. We are not

responsible for information provided by you to Merchants. We and the Merchants are

independent contractors and neither party has authority to make any representations or

commitments on behalf of the other.

21. Privacy Policy.

Our Privacy Policy, as it may change from time to time, is a part of

this Agreement. You must review this Privacy Policy by going here: http://www.creditrepairfacts.com/privacy-policy.

22. Payments.

You represent and warrant that if you are purchasing something from us

or from Merchants that (i) any credit information you supply is true and complete, (ii)

charges incurred by you will be honored by your credit card company, and (iii) you will

pay the charges incurred by you at the posted prices, including any applicable

taxes.

23. Securities Laws.

The Site may include statements concerning our operations, prospects,

strategies, financial condition, future economic performance and demand for our products

or services, as well as our intentions, plans and objectives (particularly with respect

to product and service offerings), that are forward-looking statements. These statements

are based upon a number of assumptions and estimates which are subject to significant

uncertainties, many of which are beyond our control. When used on our Site, words like

“anticipates,” “expects,” “believes,” “estimates,” “seeks,” “plans,” “intends,” “will”

and similar expressions are intended to identify forward-looking statements designed to

fall within securities law safe harbors for forward-looking statements. The Site and the

information contained herein does not constitute an offer or a solicitation of an offer

for sale of any securities. None of the information contained herein is intended to be,

and shall not be deemed to be, incorporated into any of our securities-related filings

or documents.

24. Links to other Web Sites.

The Site contains links to other Web sites. We are not responsible for the content,

accuracy or opinions express in such Web sites, and such Web sites are not investigated,

monitored or checked for accuracy or completeness by us. Inclusion of any linked Web

site on our Site does not imply approval or endorsement of the linked Web site by us. If

you decide to leave our Site and access these third-party sites, you do so at your own

risk.

25. Copyrights and Copyright Agents.

We respect the intellectual property of others, and we ask you to do

the same. If you believe that your work has been copied in a way that constitutes

copyright infringement, please provide our Copyright Agent the following

information:

a.An electronic or physical signature of the person authorized to act

on behalf of the owner of the copyright interest; b.A description of the copyrighted

work that you claim has been infringed; c.A description of where the material that you

claim is infringing is located on the Site; d.Your address, telephone number, and email

address; e.A statement by you that you have a good faith belief that the disputed use is

not authorized by the copyright owner, its agent, or the law; and f.A statement by you,

made under penalty of perjury, that the above information in your Notice is accurate and

that you are the copyright owner or authorized to act on the copyright owner’s

behalf.

Our Copyright Agent for Notice of claims of copyright infringement on

the Site can be reached by directing an e-mail to the Copyright Agent using this form:

Contact

26. Information and Press Releases.

The Site contains information and press releases about us. We disclaim any duty or

obligation to update this information or any press releases. Information about companies

other than ours contained in the press release or otherwise, should not be relied upon

as being provided or endorsed by us.

27. Legal Compliance.

You agree to comply with all applicable domestic and international laws, statutes,

ordinances and regulations regarding your use of the Site and the Content and Materials

provided therein.

28. Refund and Return Policy.

To the extent that you purchase any goods or services directly from us, we will refund

you your purchase price within 30 days of you notifying us in writing of your desire for

the refund, together with the reason for the request, with the product or service

returned to us in substantially the same condition as when purchased. Please note ,

however, that certain products and services mentioned on our site are sold by third

parties or are linked to third party Web sites, and we have no responsibility or

liability for those products or services. You may request a refund by contacting us by

email using this form http://www.creditrepairfacts.com/contact.

Additionally, you may obtain any additional information concerning our refund and return

policy, including our mailing address, by contacting us using the aforementioned contact

form.

29. Miscellaneous.

This Agreement shall be treated as though it were executed and performed in Seattle,

Washington, and shall be governed by and construed in accordance with the laws of the

State of Washington (without regard to conflict of law principles). Any cause of action

by you with respect to the Site (and/or any information, Documents, products or services

related thereto) must be instituted within one (1) year after the cause of action arose

or be forever waived and barred. All actions shall be subject to the limitations set

forth in Section 16 and Section 17. The language in this Agreement shall be interpreted

as to its fair meaning and not strictly for or against any party. This Agreement and all

incorporated agreements and your information may be automatically assigned by us in our

sole discretion to a third party in the event of an acquisition, sale or merger. Should

any part of this Agreement be held invalid or unenforceable, that portion shall be

construed consistent with applicable law and the remaining portions shall remain in full

force and effect. To the extent that anything in or associated with the Site is in

conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our

failure to enforce any provision of this Agreement shall not be deemed a waiver of such

provision nor of the right to enforce such provision. Our rights under this Agreement

shall survive any termination of this Agreement.

30. Arbitration.

Any legal controversy or legal claim arising out of or relating to this Agreement or our

services, excluding legal action taken by us to collect or recover damages for, or

obtain any injunction relating to, Site operations, intellectual property, and our

services, shall be settled solely by binding arbitration in accordance with the

commercial arbitration rules of JAMS. Any such controversy or claim shall be arbitrated

on an individual basis, and shall not be consolidated in any arbitration with any claim

or controversy of any other party. The arbitration shall be conducted in Seattle,

Washington, and judgment on the arbitration award may be entered into any court having

jurisdiction thereof. Either you or we may seek any interim or preliminary relief from

a court of competent jurisdiction in Seattle, Washington necessary to protect the rights

or property of you and us pending the completion of arbitration. Each party shall bear

one-half of the arbitration fees and costs incurred through JAMS.