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Student Loan Consolidation Programs across US

For many students, student loans are essential for their operating plan to organize and purchase the amount. Most debtors will incur both federal and during the period of their educational encounters. Although these loans serve exactly the same function, they frequently have different conditions and terms which make each a distinctive entity to become contended with upon graduation. After departing college, most debtors will aim to merge their lent money to be able to simplify their monthly finances and student loan consolidation programs are how they achieve this.

Federal versus. Private Student Loan Consolidation Programs: There's a positive change

Because most students will utilize both federal and private student loans to cover the amount, you should observe that both of these credit are incompatible throughout the consolidation process. Legally, federal loans may be coupled with other federal student loans throughout a consolidation situation. However, private loans might be merged with any other kind of non-public loan no matter what loan provider came from the credit. Essentially what this means is is when a customer has private loans from three different loan companies, he might want to consolidate many of these lent money under one of these simple loan companies or any other loan provider of his selecting. Obviously, the customer must meet certain conditions before loan companies will consolidate his loans these needs vary across loan companies so research each student loan consolidation programto find the correct one for the situation.

Federal Loan Consolidation Programs

Clearly, they are controlled through the government and also the conditions of consolidation are mandated by federal guidelines and methods. The Greater Education Act (H.E.A.) grants or loans student loan consolidation programs for kinds of federal: the Federal Family Education Loan (F.F.E.L.) and Direct. Under these programs, loans with different terms and payment agendas are moved right into a single loan for that customer to handle. This new loan typically includes a lower rate of interest and also the payment period is extended to be able to make monthly payments more workable. Generally, these characteristics produce less defaults along with a more controlled student loan debt.

Private Loan Consolidation Programs

Most debtors have private loans through various loan companies and also the varying guidelines frequently result in confusion. Employing using a private loan consolidation program is a brilliant way to reduce monthly loan obligations and mix all of your loans under one company. Refinancing private loans possess the following advantages: 1. Lower monthly obligations - normally, this is the primary goal a customer aims when ever researching student loan consolidation programs. 2. Rate Of Interest Reduction - Existing loan holders won't lower rates of interest in case your credit score has enhanced during the period of your credit history. Bringing together produces a reduced rate of interest, therefore saving the customer money. Debtors with lower credit rankings can consolidate having a co-signer to lessen their rates of interest. 3. No Early repayment Penalties - under most loan consolidation programs for student, any money received more than the scheduled payment is used straight to principal, thus shorting the existence of the loan. Loan consolidation programs for students are a good way for any customer to more precisely manage his student loan debts and seize control of his financial accounts. Employing using such programs helps you to save a customer money while enhancing his credit profile. Federal student loans always need to be compensated back. The loan program requires payment after graduation or six several weeks following the customer is no more attending college. These loans have different payment options, including deferring obligations when the customer is unemployed or underemployed.

Student loan forgiveness provides a couple of choices

Volunteer Work: The federal government enables a customer to volunteer with three different organizations for any partial or more to total loan forgiveness. Volunteer with Americorps for 12 several weeks and receive as much as $4725.00 for loan payment. Peace Corp volunteers is going to be granted loan payment in varying amounts based on period of service. 15 percent from the loan total is pardoned for every year of volunteer status having a maximum amount pardoned of 70 %. VISTA provides the customer an opportunity to volunteer and get a partial student loan forgiveness. Volunteer 1700 hrs through VISTA and receive $4725.00 for loan payment. Military Service: Student debtors possess the chance to become listed on the Military National Guard and receive as much as $10,000 for educational loan obligations based on period of military service. Instructors: Debtors that become instructors in schools which have a particular population of low earnings students might be qualified to get forgiveness of the Perkins loans. The Nation's Defense Education Act enables instructors to possess loans pardoned for a price of 15 % from the loan for each one of the first couple of many years of teaching and 20 % in a long time 3-4. 30 % from the loan is pardoned within the fifth year. Teacher's in Mississippi that hold another route teaching license and operate in schools having a teacher shortage might be capable of make use of the teacher loan payment plan. Legal and Medical Studies: Law school loan debtors who operate in nonprofit or public interest law positions might be qualified for student loan forgiveness. The United States Department of Health insurance and Human Services includes a program for doctors and nurses who practice medicine in areas which do not need proper health care. Federal loan debtors should contact the American Association of Medical Schools (AAMC) for all of the all medical student loan forgiveness options. Police Force: Alaska offers educational loan payment to individuals who have been granted a Michael Murphy Loan. Student debtors whose area of study was probation, law, parole, penology, or any other related area of study possess the qualifications to get loan forgiveness, in the rate of 20 % annually, if they're employed being an Alaska State Trooper. Many of these programs make the perfect method to serve your state or country and also have the ability of getting a pardoned loan. People who are curious about public sector work should certainly make the most of one of these simple options.


About Us

Hello Folks, My name is Eugene Goldberg and I'm the founder of StudentLoansEscape.com. I started in the debt settlement industry three years ago. After graduating from college, I found myself with debts totalling $120,000. My students loans alone added up to $104,000. They were from three different financial institutions with variable interest...

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What We Do

We are a small team of experts dedicated to providing a superior service and step-by-step guidance to consumers who wish to escape from never-ending unsecured debts. Have you ever wondered what it feels like to be able to sleep at night knowing that your debt no longer follows you around like a dark cloud? Call us and we'll tell you all about it.

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Your Options

Although there are a number of systems available to help consumers deal with their unsecured debts, we want you to be fully aware of all the advantages and disadvantages that are linked to these. We urge you to satisfy yourself with what the potential outcome could be before taking your final decision.

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FAQ

Can I settle Student Loans? Sure. Negotiation on a student loan is indeed possible, as long as it's not federally insured. The loan must also be in default status, thus rendering creditors with no hope of collecting the full Student Loan amount. Student Loans are considered unsecured debt. This means that there isn't any security tied to the money other than your guarantee to make the payment.

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Our Programs Help to Eliminate or Negotiate.

Student Loans

Department Store Cards

Credit Cards

Personal Loans

Business Credit Cards

Business Loans

Business Lines of Credit

Most Collections

 

 

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We help you to settle your accounts and reduce up to 60% of the amount outstanding to your creditors. Your current debt will be skilfully evaluated and then considerably reduced.

 

Our National Economic Relief Program

This Program is intended to bring relief to individuals and families struggling to continue paying for student loans, credit cards and any other unsecured debt.

How to Wipe Out Your Student Loan and Be Debt Absolutely free

Previously the economy was under these strains, it was quite painless to get a student loan consolidated. Federal loans could be consolidated using private lenders and there have been innumerable companies that supplied non-public student loan consolidation applications. Nowadays, federal loans are managed exclusively by the federal government and personal loan providers have shied absent from offering consolidation solutions for all other student loans. With all the adjustments that have occurred in the personal district, borrowers are frequently at a loss for what to do and wherever to go with their consolidation desires. Student loan consolidation tips is often contradictory, but with plenty of perseverance and study borrowers can find the expert services that will finest suit their expectations.

As formerly said, until just a handful of decades back federal loans could be refinanced utilizing a non-public lender. The government has just lately put an conclude to this and now gives two diverse consolidation software programs through the Increased Schooling Act (H.E.A.): the Federal Friends and family Instruction Loan (F.F.E.L.) and the William D. Ford Federal Direct Loan (Immediate Loans) applications. The F.F.E.L program is regularly referred to as the federally guaranteed loan system for university student and the monies are supplied by many different financial establishments of which the borrower has his alternative of lenders. The borrower doesn't have a decision of lenders in the Direct Loans system because its monies are provided entirely by the US Treasury by using the US Office of Education. Due to the fact of the Making sure Go on Access to Student Loans Act of 2008 (E.Do.A.S.L.A.), consolidating loans originated soon after Oct one, 2007 is unprofitable to F.F.E.L loan companies. This has prompted the F.F.E.L application lenders to halt supplying consolidation services and ahead these loans for university student to the Direct Loans program's consolidation expert services.

Since federal government aid and federal loans do not cover all educational monetary wants, pupils usually resort to non-public loans to cover the supplemental expenses. On graduation and whereas in repayment, the borrower should really study consolidation products and services to boost his financial outlook. As a borrower with numerous student loans, one particular ought to seem for a application that offers the following solutions: 1. Fixed Fascination Costs - this lowers payments in the quick-term but long-phrase consequences incorporate paying again a much larger in general amount and having to pay in excess of a longer time period of time. This can be worthy of the attention although if the fixed pace is low plenty of and mixed with other favorable bonuses. two. Romantic relationship Discounts - most student loan consolidation organisations also supply financing in other financial locations obtaining multiple accounts with the same financial institution normally prospects to discount rates and bonuses to maintain the borrower loyal. three. Payment Choices - a fantastic lender will supply deferment and forbearance possibilities in the event the borrower re-enters college or suffers from a number of kinds of monetary crises that will protect against him from repaying the loan. These alternatives let the borrower's account to continue being in very good standing when he sets his affairs in order. Also important to take into account is curiosity-only repayments although these can be challenging to manage, this style of payment enables the curiosity to be paid out off early so that only the principal continues to be just after a specific quantity of a long time. Following taking a personal stock of your own loans, use this student loan consolidation information to guide you as a result of the troubled monetary waters that have taken maintain of the US economic climate. Maintaining these ideas in mind and exploring for these incentives will be certain that any borrower's consolidation approach is swift and painless.

†Estimates are based on historical results and individual results may vary, including the ability to save sufficient funds to complete your program, the creditors in your individual portfolio, and underwriting guidelines. Statements made are examples of past performance, which are not intended to be a guarantee of any future settlement results. When you contact StudentLoansEscape.com we will attempt to understand your situation and determine whether you are qualified for our debt resolution programs. StudentLoansEscape.com assists with unsecured debt only and any use of “debt free” only applies to accounts that are successfully enrolled and upon program completion. While our programs work aggressively to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers. Debt reduction percentages do not include program fees; guarantee that your debt balances will be lowered by a specific amount or percentage, or that you will be debt free within a specific time period. However, if at the completion of your debt resolution program your total debt reduction equals less than two (2) times the amount of fees paid, we guarantee to refund a portion of those fees. This refund is calculated so that your fees will never equal more than one-half (1/2) of your total debt reduction. This fee guarantee does not apply to consumers referred to debt resolution programs utilizing attorney-based negotiations. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Please contact a tax professional to discuss tax consequences of debt settlement. By providing your contact information, you agree to receive return telephone calls, emails or other communications from StudentLoansEscape.com and/or its affiliates and expressly waive any “No Call” preference or registration. Photographs used are not actual clients. Not available in all states. Read and understand all program materials prior to your enrollment.

Copyright © 2011 Debt Escape, Inc. All rights reserved.

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PRIVACY POLICY MAY CHANGE FROM TIME TO TIME. WE ENCOURAGE CHECKING BACK FOR UPDATES.

 

We take responsibilities and your privacy seriously at Debt Escape Inc., ("Debt Escape Inc."). We have a solid commitment to providing first-class service to all our clients and visitors of our Web-site. At Debt Escape Inc. we respect your concerns about privacy. This Privacy Policy divulges how we gather, protect, utilize and share information collected about you on this website. When you use this web-site you unambiguously agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We believe that this disclosure will provide help in increasing your confidence in our site and enhance your overall experience. In order to comply with industry standards and regulations implemented typically by the Federal and State Governments, we accept the following privacy policy.

 

The security of your personal information is very important to us. In an effort to protect your personal information, we use Secure Sockets Layer (SSL) technology with 128 bit encryption. If your browser supports SSL (most current browsers do), it will automatically encrypt the information you provide to us on the secure pages on our site, before sending it over the Internet. This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. Personal information such as your name, email address and other details you choose to disclose, are collected when you submit a request for information, a comment, register to receive the newsletter, register for our forums or when you submit personal details for any other reason, e.g. information left within a comment or forum post, etc. Personal information is not collected without your consent.

 

Cookies

 

When you visit our site, we will ask your browser to place a permanent "cookie" (a very small text file) on your computer. If your browser is configured to accept cookies, it will accept the cookie and place it on your computer's hard drive. We collect this information to analyze where our customers are coming from and how often they visit our site. We also collect certain technical information from your computer, like your IP address and the address of a referring web site, if any. This information will allow us to enhance our site to our customer's preferences. This information is used only for the benefit of Debt Escape Inc. and you, our customer.

 

You can visit our site without cookies if you choose to do so. However, please be aware that some features of the site may not function properly or may be slower if you refuse cookies. To visit our site without cookies, you can configure your browser to reject all cookies or to notify you when a cookie is set. Check the browsers help menu to learn how to change your cookie preferences.

 

Log Files

 

As most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data.

 

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.

 

Information We Gather and Its Purpose

 

We may collect your personal information if you decide to purchase one of our products or retain our services, participate in our affiliate marketing program, subscribe to our newsletter, complete an application form, participate in one of our surveys or transact other business with us. We need to collect personally identifiable information from you to execute the requested transaction, provide you with a particular service, and/or to further enhance your account. At anytime, we may ask you to voluntarily supply us with additional information needed. We will ask you for information such as, but not limited to: name, current and/or billing address, your e-mail address, telephone number, your Social Security number and certain other personal information, such as your date of birth, address, employment information, and certain credit card and loan account information. We may use your email address to send a confirmation and, if necessary, we might use the other information to contact you for help in processing.

 

In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we may use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us. Under no circumstances will Debt Escape Inc. sell or share your personal information with any person or organization ("third party") except: as authorized by you, our participating lenders, agents, and debt management firms depending on the application you fill out and the information you request.

 

We may also use the information we collect about you in order to, but not limited to: • learn more about your interest in the products or services we offer and provide you with information; • enroll customers who desire our services • open customer files and establish their accounts • provide customer service • negotiate settlement of our customers' debts (according to the terms and conditions of their written agreements) • learn how to improve our products or services • provide opportunities for our affiliates and other companies to inform you about the products or services they offer that may interest you • to share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35. This information is not disclosed to third parties.

 

Disclosure of Information to Participating Providers of Services

 

We may disclose a consumer's personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO our participating providers, as authorized by you, which include: lenders, agents, and debt management firms FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of Debt Escape Inc. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, Debt Escape Inc. The personal information collected on this site and by participating providers will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.

 

Choice/Opt-out

 

We provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference by emailing or calling us per the information contained on our contact page.

 

If you no longer wish to receive our newsletter, you may opt-out of receiving it by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.

 

Customer Care Contact Information:

 

Debt Escape Inc.

 

Email: customerservice@studentloansescape.com

 

Additional Service Providers

 

We may use affiliates or contractors to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services.

 

These parties are prohibited from using your personally identifiable information for any other purpose.

 

Securing the Transmission and Storage of Information

 

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

 

Our site uses security technology to protect information you provide to us through the site when entering sensitive information.

 

After information reaches Debt Escape Inc., it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Debt Escape Inc. You can help to maintain the security of your online transactions by not sharing your personal information with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

 

Links to Other Sites

 

This Web site may contain links to other sites such as our affiliates which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company's use and disclosure of your information collected on this site.

 

While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information.

 

This privacy statement applies only to information collected by this Web site.

 

Co-branded sites

 

We may be co-branded with "partners and affiliates". These business to business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.

 

Access to Personally Identifiable Information

 

If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Care by contacting us by telephone or postal mail at the contact information listed below.

 

Customer Care

 

If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes.

 

Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.

 

Legal Disclaimer

 

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.).

 

Business Transitions

 

In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

 

Changes to this Privacy Statement

 

We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.

 

We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

 

Contact Us

 

If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at:

 

Debt Escape Inc.

 

Email: customerservice@studentloansescape.com

 

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS
Terms of Use

 

Debt Escape Inc. provides "The User" with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, "The Service". Debt Escape Inc. provides its service to the user, subject to the following Terms of Service.

 

Debt Escape Inc. is not responsible for providing you access facilities or equipment (in any form) to its service. You, "The User", also comprehends and concur that "The Service" may include advertisements and sponsorships and that these are necessary for Debt Escape Inc. to provide "The Service". You also comprehend and agree that Debt Escape Inc. makes no submission about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within "The Service" for any purpose. "The Service" is provided "as is" without warranty of any kind. Debt Escape Inc. hereby disclaims all warranties and conditions with regard to "The Service".

 

THE SERVICE IS SUBJECT TO THE APPLICIABLE RETAINER AGREEMENTS AND LEGAL DISCLAIMER. ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE

 

"The Service" is provided to you, "The User", under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by Debt Escape Inc. as part of the Terms of Service/Legal Disclaimer and related disclosures which are cumulatively included herein by reference. Debt Escape Inc. Terms of Service comprises the entire agreement between "The User" and Debt Escape Inc. and supersedes any prior agreements pertaining to the subject matter contained herein. BY COMPLETING THE REGISTRATION PROCESS AND CLICKING THE "SUBMIT" BUTTON, YOU ARE AGREEING TO BE BOUND BY THE Debt Escape Inc. Terms of Service, Legal Disclaimer and applicable terms of the Retainer Agreement.

 

MODIFICATION OF THESE TERMS OF USE

 

Debt Escape Inc. reserves the right to change any of the terms, conditions, and notices under which "The Services" are offered. You are responsible for regularly reviewing these terms and conditions, including changes/modifications if any incorporated by us from time to time. Your continued use of "The Service" constitutes your agreement to all such terms, conditions, and notices.

 

MODIFICATION TO "THE SERVICE"

 

Debt Escape Inc. reserves the right to modify or discontinue, temporarily or permanently, "The Service" (or any part of "The Service") with or without notice to "The User" at any time and from time to time. "The User" agrees that Debt Escape Inc. shall not be liable to "The User" or any third party for any modification or discontinuance of the Service.

 

USER CONDUCT

 

"The Service" may include e-mail services, message boards, chat areas, newsgroups, forums, communities and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Tools for Communication"). You agree to use the Tools for Communication only to post, send and receive messages and material that are proper and, when applicable, related to the particular tool for Communication. You also hereby agree that you shall not make use of "The Service" for any commercial purpose, including reselling and/or co branding/private labeling.

 

As a condition of your use of "The Service" you, "The User", agree to provide: (a) true, accurate, current and complete information about yourself as required by "The Service's" registration form (such data being the "Registration Information, and Retainer Agreement") (b) maintain and promptly update the Registration Information to keep it accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, Debt Escape Inc. has the right to terminate the user account and refuse any and all current or future use of "The Service". (c) Debt Escape Inc. the right to use / disclose the aggregate registration information to third parties in connection with marketing of services, subject to the privacy policy. You have also consented Debt Escape Inc. the right to use your registration information to provide targeting of advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services and to contact/inform you through e-mail or otherwise about special offers or new products.

 

Usage Obligations

 

As a condition of your use of "The Service" you will not use "The Service" for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through "The Service".

 

You agree not to use "The Service" to: (a) Obstruct or hinder the use and enjoyment of "The Service" by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt "The Service" or servers or networks connected to "The Service", or defy any requirements, regulations or guidelines of networks connected to "The Service"; (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another's privacy, caste related, ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any computer or telecommunications equipment or property of another; (i) "Stalk" or otherwise harass other users; collect or store personal data about other users. (j) Advertise, promote or offer to sell or buy any goods or services for any business purpose unless "The Service" specifically allows such messages or transactions. (k) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion, use or access of "The Service". (l) Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law, (m) Conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.

 

Debt Escape Inc. has no obligation to observe and monitor "The Service". However, Debt Escape Inc. reserves the right to review materials posted and to remove any material/s. Debt Escape Inc. also reserves the right to terminate your access to any or all of "The Services", at any time, without notice, for any reason whatsoever.

 

Debt Escape Inc. reserves the right subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part. These would be more applicable to the publicly accessible areas of "The Service" that are intended to be available to the general public. For example, publicly accessible areas of "The Service" would include message boards and chat rooms that are open to both registered users and visitors.

 

In view of the global nature of the World Wide Web, "The User" understands and agrees that technical processing of tools of communication is (and may be) required to send and receive messages, to correspond/conform to the technical requirements of connecting networks, to correspond/conform to the limitations of "The Service", or to correspond/conform to other, similar technical requirements.

 

User account, password and security

 

As part of "The Service's" registration process you will provide us with current, complete and accurate information as requested by the registration form. You will then choose a user name and password. You take total responsibility for maintaining the confidentiality of your password and account. You are also entirely responsible for any and all activities that occur under your account. You agree to notify Debt Escape Inc. immediately of any unlawful/unauthorized use of your account or any other security violation. You agree to ensure that you exit from your account at the end of each session. You understand that Debt Escape Inc. will not be liable for any loss or damage in any form incurred as a result of unauthorized usage of your account, with or without your knowledge. However, you could be held liable for losses or damages incurred by Debt Escape Inc. or a third party as a result of your failure to comply with this clause. You also agree not to use anyone else's account, at any time, without the prior permission of the account holder.

 

PRIVACY POLICY

 

Registration information and certain other information about you is subject to our Privacy Policy. For more information, see our privacy policy.

 

DISCLAIMER

 

Registration information and certain other information about you are subject to our Disclaimer. For more information, see our Legal Disclaimer.

 

LIMITATION OF LIABILITY

 

You expressly understand and agree that to the extent permitted under the RPC, Debt Escape Inc. shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Debt Escape Inc. has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service.

 

CONTENT PROVIDED TO THE SERVICE

 

Debt Escape Inc. does not claim ownership of the "content" (in the form of data, text, software, music, sound, photographs, graphics, video, messages or other materials) you provide to Debt Escape Inc. (including feedback and suggestions) or post, upload, privately transmit, input or submit to any Debt Escape Inc. site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Debt Escape Inc. and its affiliate sites permission to use your submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission, and to publish your name in connection with your submission.