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Disclaimer Notice
Terms and conditions for use of the Naru Media LLC/CreditDefrag.com web site
BY VISITING OR USING THE NARU MEDIA LLC/CREDITDEFRAG.COM WEB SITE, OR ANY PAGE OF THE WWW.CREDITDEFRAG.COM WEB SITE, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF USE, AND THAT SUCH AGREEMENT CONSTITUTES A BINDING CONTRACT BETWEEN YOU AND NARU MEDIA LLC/CREDITDEFRAG.COM. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE DO NOT VISIT OR USE THE CREDITDEFRAG.COM WEB SITE OR ANY PAGE OF THE NARU MEDIA LLC/CREDITDEFRAG.COM WEB SITE.
 


  
 

TERMS AND CONDITIONS FOR USE
Definitions
As used in this contract: (a) the term "Agreement" refers to this contract; (b) the terms "you" and "yours," refer to you, a visitor to the Naru Media LLC/CreditDefrag.com web site, as well as anyone you authorize to visit the Naru Media LLC/CreditDefrag.com web site on your behalf; (c) the terms "Naru Media LLC/CreditDefrag.com," "we," and "our" and "ours" refer to Naru Media LLC/CreditDefrag.com and any affiliates of Naru Media LLC/CreditDefrag.com whose products or services are offered on the Naru Media LLC/CreditDefrag.com web site; and (d) the term " Creditdefrag.com Web Site" refers to the web site located at www.Creditdefrag.com and related pages, or any linked pages and web sites hosted or sponsored by Naru Media LLC.


Privacy Policy
Naru Media LLC is committed to maintaining the privacy and security of any and all information that you provide to Naru Media LLC through the Naru Media LLC/Creditdefrag.com Web Site. To that end, Naru Media LLC urges you to review the Naru Media LLC Privacy Policy, which may be accessed by clicking on the following link: Privacy Policy.


Linking to Other Sites
We may provide links to third party web sites, such as credit bureaus. If you choose to link to a third party web site not controlled by Naru Media LLC, we are not responsible for the privacy or security of these sites, including the nature of the content, accuracy, completeness, or reliability of their information. If you are asked to provide information on one of these Web sites we strongly urge you to review their privacy policies before providing any of your personal information. Naru Media LLC is not responsible for the privacy practices of third party sites.


Use And Limitations Of The Naru Media LLC/Creditdefrag.com Web Site

Except where we specify otherwise, Naru Media LLC offers you access to the Creditdefrag.com Web Site solely for your personal and non-commercial uses. You promise that you will not use the Creditdefrag.com Web Site, in whole or in part, for any purpose that is unlawful or prohibited by this Agreement. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the Creditdefrag.com Web Site. This means, among other activities, that you agree not to engage in the practices of "screen scraping," "database scraping," or any other similar activity. You agree that you will not use the Creditdefrag.com Web Site in any manner that could damage, disable, overburden, or impair the Creditdefrag.com Web Site or interfere with any other party's use and enjoyment of the Creditdefrag.com Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Creditdefrag.com Web Site.

If and when requested by Creditdefrag.com, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Creditdefrag.com, you agree that you will not access or attempt to access password protected, secure or non-public areas of the Creditdefrag.com Web Site.

You agree the service being performed by Naru Media LLC/Creditdefrag.com Web Site is a data entry service providing Equifax, Experian, Transunion and Innovis with updates and/or changes to your credit profile/credit report.  By accepting this agreement, you give Naru Media LLc/Creditdefrag.com Web Site full authorization to make changes and or updates to your credit profile/credit report directly through Equifax, Experian, Transunion, Innovis and third party providers.

You accept and agree to our refund policy, we will refund only the cost of service you requested, If a 10 point average increase in credit score is not attianed.You agree that we are not responsible for any actions on your part or anyone that you engage in any business that can be deemed detrimental to your credit profile/credit report including but not limited to late payments, exessive credit pulls etc.
You agree that Naru Media LLC may in its sole discretion and at any time terminate your access to and use of the Creditdefrag.com Web Site, or any part thereof, with or without notice.

The Creditdefrag.com Web Site contains content and information originated by Naru Media LLC, affiliates of Naru Media LLC or unaffiliated third parties. Naru Media LLC makes available such content and information through the Creditdefrag.com Web Site as a public service, for the sole purpose of aiding you, the individual consumer. Naru Media LLC, therefore, cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information. This means, for example, that all of the information and materials contained in the Creditdefrag.com Web Site-including any terms and conditions necessary to obtain a loan or other products or services-are subject to change at any time. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Naru Media LLC determination and acceptance.


E-Signatures and Communications

All electronic communications, including any electronic signatures or identifiers of Naru Media LLC, are being transmitted solely for informational purposes. By making an electronic communication, Naru Media LLC specifically does not intend to agree, bind, or otherwise consent to any matter for any purpose whatsoever, including loan approval, and does not intend that the electronic communication, or any related or associated electronic media or data, to constitute, or to be deemed to constitute, an electronic signature pursuant to any state or federal law or regulation that authorizes the use of electronic signatures.


Trademarks, Service Marks And Copyright

Copyright in the Creditdefrag.com Web Site, and in the information and material therein and in their arrangement, is owned by Naru Media LLC unless otherwise indicated. Naru Media LLC®, Creditdefrag.com® are federally registered service marks of Naru Media LLC/Creditdefrag.com. Naru Media LLC also claims trademark and service mark rights in other marks contained in the Creditdefrag.com Web Site.


Disclaimer

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF AND RELIANCE UPON ANY AND ALL INFORMATION, INCLUDING, BUT NOT LIMITED TO, CONTENT PROVIDED BY NARU MEDIA LLC, A NARU MEDIA LLC AFFILIATE OR A THIRD PARTY THROUGH THE CREDITDEFRAG.COM WEB SITE IS AT YOUR SOLE RISK. SUCH INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. NARU MEDIA LLC MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMELINESS OF SUCH INFORMATION. NARU MEDIA LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NARU MEDIA LLC SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE CREDITDEFRAG.COM WEB SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.


Indemnification

YOU AGREE TO INDEMNIFY AND HOLD Naru Media LLC AND ITS, SUPPLIERS, AFFILIATES, SUBSIDIARIES, EMPLOYEES AND AGENTS HARMLESS FROM ANY AND ALL CLAIMS AND DEMANDS, INCLUDING, BUT NOT LIMITED TO REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING
OUT OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, INFORMATION PROVIDED VIA THE CREDITDEFRAG.COM WEB SITE.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THE CREDITDEFRAG.COM WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. NARU MEDIA LLC, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME.

IN NO EVENT SHALL NARU MEDIA LLC, NARU MEDIA LLC'S AFFILIATES OR THIRD PARTIES, INCLUDING SUPPLIERS, BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE CREDITDEFRAG.COM WEB SITE, WITH THE DELAY OR INABILITY TO USE THE CREDITDEFRAG.COM WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE CREDITDEFRAG.COM WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE CREDITDEFRAG..COM WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF NARU MEDIA LLC, NARE MEDIA LLC'S AFFILIATES OR ANY THIRD PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE CREDITDEFRAG.COM WEB SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE CREDITDEFRAG.COM WEB SITE.

Without limiting the foregoing, you agree to indemnify, defend and hold harmless Naru Media LLC, its partners, affiliates, subsidiaries and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement.


MISCELLANEOUS

This Agreement is governed by the laws of the State of Florida. You agree and consent to the exclusive jurisdiction and venue of courts sitting in Florida, County of Osceola in all disputes arising out of or relating to the use of the Creditdefrag.com Web Site. Use of the Creditdefrag.com Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Creditdefrag.com as a result of this Agreement or use of the  Creditdefrag.com Web Site. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect. Unless otherwise specified herein, this Agreement constitutes the entire agreement between you and Naru Media LLC with respect to the Creditdefrag.com Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Naru Media LLC respect to the Creditdefrag.com Web Site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

      You understand and agree to the following
      Terms Of Use & Service
      IMPORTANT!  THESE TERMS OF SERVICE (TOS) GOVERN YOUR USE OF THIS SITE,
      WHICH IS PROVIDED BY OUR COMPANY.  BY ACCESSING THIS SITE, YOU ARE
      INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. 
      THESE TERMS OF USE ARE SUBJECT TO CHANGE BY OUR COMPANY AT ANY  TIME IN ITS DISCRETION.  YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED
      CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES.  PLEASE
      CONSULT THESE TERMS OF USE REGULARLY. 
      Access To This Site 
      YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU
      ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB
      SITE FOR ANY REASON.  DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB
      SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILD
      ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.
      To access this site or some of the resources it has to offer, you may be
      asked to provide certain registration details or other information.  It is
      a condition of your use of this site that all the information you provide
      on this site will be correct, current, and complete.  If our Company
      believes the information you provide is not correct, current, or complete,
      we have the right to refuse you access to this site or any of its
      resources, and to terminate or suspend your access at any time, without
      notice.
      Restrictions On Use
      You may use this site for purposes expressly permitted by this site.  You
      may not use this site for any other purpose, including any commercial
      purpose, without our Company's express prior written consent.  For
      example, you may not (and may not authorize any other party to) (i)
      co-brand this site, or (ii) frame this site, or (iii) hyper-link to this
      site, without the express prior written permission of an authorized
      representative of our Company.  For purposes of these Terms of Use,
      "co-branding" means to display a name, logo, trademark, or other means of
      attribution or identification of any party in such a manner as is
      reasonably likely to give a user the impression that such other party has
      the right to display, publish, or distribute this site or content
      accessible within this site.  You agree to cooperate with our Company in
      causing any unauthorized co-branding, framing or hyper-linking immediately
      to cease.
      Proprietary Information
      The material and content (hereinafter referred to as the "Content")
      accessible from this site, and any other World Wide Web site owned,
      operated, licensed, or controlled by our Company is the proprietary
      information of our Company or the party that provided the Content to our
      Company, and our Company or the party that provided the Content to our
      Company retains all right, title, and interest in the Content. 
      Accordingly, the Content may not be copied, distributed, republished,
      uploaded, posted, or transmitted in any way without the prior written
      consent of our Company, or unless authorized in writing elsewhere on our
      site, except that you may print out a copy of the Content solely for your
      personal use.  In doing so, you may not remove or alter, or cause to be
      removed or altered, any copyright, trademark, trade name, service mark, or
      any other proprietary notice or legend appearing on any of the Content. 
      Modification or use of the Content except as expressly provided in these
      Terms of Use violates our Company's intellectual property rights.  Neither
      title nor intellectual property rights are transferred to you by access to
      this site.
      Hyper-Links
      This site may be hyper-linked to other sites which are not maintained by,
      or related to, our Company.  Hyper-links to such sites are provided as a
      service to users and are not sponsored by or affiliated with this site or
      our Company.  Our Company has not reviewed any or all of such sites and is
      not responsible for the content of those sites.  Hyper-links are to be
      accessed at the user's own risk, and our Company makes no representations
      or warranties about the content, completeness or accuracy of these
      hyper-links or the sites hyper-linked to this site.  Further, the
      inclusion of any hyper-link to a third-party site does not necessarily
      imply endorsement by our Company of that site.
      Submissions
      You hereby grant to our Company the royalty-free, perpetual, irrevocable,
      worldwide, non-exclusive right and license to use, reproduce, modify,
      adapt, publish, translate, create derivative works from, distribute,
      perform, and display all content, remarks, suggestions, ideas, graphics,
      or other information communicated to our Company through this site
      (together, hereinafter known as the "Submission"), and to incorporate any
      Submission in other works in any form, media, or technology now known or
      later developed.  Our Company will not be required to treat any Submission
      as confidential, and may use any Submission in its business (including
      without limitation, for products or advertising) without incurring any
      liability for royalties or any other consideration of any kind, and will
      not incur any liability as a result of any similarities that may appear in
      future Company operations.
      Our Company will treat any personal information that you submit through
      this site in accordance with its Privacy Policy as set forth on this site.

      Disclaimer
      You understand that our Company cannot and does not guarantee or warrant
      that files available for downloading from the Internet will be free of
      viruses, worms, Trojan horses or other code that may manifest
      contaminating or destructive properties.  You are responsible for
      implementing sufficient procedures and checkpoints to satisfy your
      particular requirements for accuracy of data input and output, and for
      maintaining a means external to this site for the reconstruction of any
      lost data.  Our Company does not assume any responsibility or risk for
      your use of the Internet.
      The Content is not necessarily complete and up-to-date and should not be
      used to replace any written reports, statements, or notices provided by
      Company.  Investors, borrowers, and other persons should use the Content
      in the same manner as any other educational medium and should not rely on
      the Content to the exclusion of their own professional judgment. 
      Information obtained by using this site is not exhaustive and does not
      cover all issues, topics, or facts that may be relevant to your goals.
      YOUR USE OF THIS SITE IS AT YOUR OWN RISK.  The Content is provided “as
      is” and without warranties of any kind, either expressed or implied.  Our
      Company disclaims all warranties, including any implied warranties of
      merchantability, fitness for a particular purpose, TITLE, OR
      NON-INFRINGEMENT.  Our Company does not warrant that the functions OR
      CONTENT contained in this site will be uninterrupted or error-free, that
      defects will be corrected, or that this site or the server that makes it
      available are free of viruses or other harmful components.  Our Company
      does not warrant or make any representation regarding use, or the result
      of use, of the content in terms of accuracy, reliability, or otherwise. 
      The content may include technical inaccuracies or typographical errors,
      and Company may make changes or improvements at any time.  You, and not
      our Company, assume the entire cost of all necessary servicing, repair or
      correction IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS
      SITE OR ITS CONTENT.  Our COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE
      CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR
      RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
      All of the information in this site, whether historical in nature or
      forward-looking, speaks only as of the date the information is posted on
      this site, and Company does not undertake any obligation to update such
      information after it is posted or to remove such information from this
      site if it is not, or is no longer, accurate or complete.
      Limitation On Liability
      COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS,
      CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE
      LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL,
      CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF
      REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR
      DAMAGES, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
      DAMAGES.  IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS
      SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS,
      EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF
      THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE
      GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO COMPANY FOR THE APPLICABLE
      CONTENT, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.
       
      Indemnity
      You will indemnify and hold Company, its subsidiaries, affiliates,
      licensors, content providers, service providers, employees, agents,
      officers, directors, and contractors (hereinafter known as the
      "Indemnified Parties") harmless from any breach of these Terms of Use by
      you, including any use of Content other than as expressly authorized in
      these Terms of Use.  You agree that the Indemnified Parties will have no
      liability in connection with any such breach or unauthorized use, and you
      agree to indemnify any and all resulting loss, damages, judgments, awards,
      costs, expenses, and attorney's fees of the Indemnified Parties in
      connection therewith.  You will also indemnify and hold the Indemnified
      Parties harmless from and against any claims brought by third parties
      arising out of your use of the information accessed from this site.
      Trademarks
      Trademarks, service marks, and logos appearing in this site are the
      property of Company or the party that provided the trademarks, service
      marks, and logos to Company.  Company and any party that provided
      trademarks, service marks, and logos to Company retain all rights with
      respect to any of their respective trademarks, service marks, and logos
      appearing in this site.
      Information You Provide
      You may not post, send, submit, publish, or transmit in connection with
      this site any material that:
      ·        you do not have the right to post, including proprietary material
      of any third party;
      ·        advocates illegal activity or discusses an intent to commit an
      illegal act;
      ·        is vulgar, obscene, pornographic, or indecent;
      ·        does not pertain directly to this site;
      ·        threatens or abuses others, libels, defames, invades privacy,
      stalks, is obscene, pornographic, racist, abusive, harassing, threatening
      or offensive;
      ·        seeks to exploit or harm children by exposing them to
      inappropriate content, asking for personally identifiable details or
      otherwise;
      ·        infringes any intellectual property or other right of any entity
      or person, including violating anyone’s copyrights or trademarks or their
      rights of publicity;
      ·        violates any law or may be considered to violate any law;
      ·        impersonates or misrepresents your connection to any other entity
      or person or otherwise manipulates headers or identifiers to disguise the
      origin of the content;
      ·        advertises any commercial endeavor (e.g., offering for sale
      products or services) or otherwise engages in any commercial activity
      (e.g., conducting raffles or contests, displaying sponsorship banners,
      and/or soliciting goods or services) except as may be specifically
      authorized on this site;
      ·        solicits funds, advertisers or sponsors;
      ·        includes programs which contain viruses, worms and/or Trojan
      horses or any other computer code, files or programs designed to
      interrupt, destroy or limit the functionality of any computer software or
      hardware or telecommunications;
      ·        disrupts the normal flow of dialogue, causes a screen to scroll
      faster than other users are able to type, or otherwise act in a way which
      affects the ability of other people to engage in real time activities via
      this site;
      ·        includes MP3 format files;
      ·        amounts to a 'pyramid' or similar scheme;
      ·        disobeys any policy or regulations established from time to time
      regarding use of this site or any networks connected to this site; or
      ·        contains hyper-links to other sites that contain content that
      falls within the descriptions set forth above.
      Although under no obligation to do so, our Company reserves the right to
      monitor use of this site to determine compliance with these Terms of Use,
      as well the right to remove or refuse any information for any reason. 
      Notwithstanding these rights, you remain solely responsible for the
      content of your submissions.  You acknowledge and agree that neither
      Company nor any third party that provides Content to Company will assume
      or have any liability for any action or inaction by Company or such third
      party with respect to any submission.
      Security
      Any passwords used for this site are for individual use only. You will be
      responsible for the security of your password (if any).  Company will be
      entitled to monitor your password and, at its discretion, require you to
      change it.  If you use a password that Company considers insecure, Company
      will be entitled to require the password to be changed and/or terminate
      your account.
      You are prohibited from using any services or facilities provided in
      connection with this site to compromise security or tamper with system
      resources and/or accounts. The use or distribution of tools designed for
      compromising security (e.g., password guessing programs, cracking tools or
      network probing tools) is strictly prohibited. If you become involved in
      any violation of system security, Company reserves the right to release
      your details to system administrators at other sites in order to assist
      them in resolving security incidents.  Company reserves the right to
      investigate suspected violations of these Terms of Use.
      Company reserves the right to fully cooperate with any law enforcement
      authorities or court order requesting or directing Company to disclose the
      identity of anyone posting any e-mail messages, or publishing or otherwise
      making available any materials that are believed to violate these Terms of
      Use.
      BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS COMPANY FROM ANY
      CLAIMS RESULTING FROM ANY ACTION TAKEN BY COMPANY DURING OR AS A RESULT OF
      ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF
      INVESTIGATIONS BY EITHER [COMPANY] OR LAW ENFORCEMENT AUTHORITIES.
      Miscellaneous
      These Terms of Use will be governed and interpreted pursuant to the laws
      of Florida , United States of America, notwithstanding any principles of
      conflicts of law.  You specifically consent to personal jurisdiction in
      Florida in connection with any dispute between you and Company arising
      out of these Terms of Use or pertaining to the subject matter hereof.  The
      parties to these Terms of Use each agree that the exclusive venue for any
      dispute between the parties arising out of these Terms of Use or
      pertaining to the subject matter of these Terms of Use will be in the
      state and federal courts in Orlando , Florida.  If any part of these Terms
      of Use is unlawful, void or unenforceable, that part will be deemed
      severable and will not affect the validity and enforceability of any
      remaining provisions. These Terms of Use constitute the entire agreement
      among the parties relating to this subject matter.  Notwithstanding the
      foregoing, any additional terms and conditions on this site will govern
      the items to which they pertain.  Company may revise these Terms of Use at
      any time by updating this posting.
     
       
      © 2006,2007 Naru Media LLC. ,
www.creditdefrag.com