Terms and Conditions

By accessing this website, you are agreeing to be bound by these website Terms and Conditions of Use, and all applicable laws and regulations, whether it be federal, state or your local jurisdiction, and agree that you are responsible for compliance. This is a legally binding agreement. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trade mark law. You should carefully read the Terms of Use before using The Site.

  1. Terms
    1. The terms I, we, our, us in this agreement refer to National Credit Auditors, Inc, a business duly licensed, organized and acknowledged under the laws of the State of Washington.
    2. The terms you, your, user, client, and customer in this agreement refer to the person(s) using the website or clicking on the web pages or documents or a contracted customer of National Credit Auditors, Inc.
    3. We agree to provide you access to The Site in accordance with the Terms and Conditions of Use.
    4. You agree to use The Site in a manner consistent with the Terms and Conditions of Use and all applicable rules, regulations and laws whether federal, state or local.
    5. You acknowledge that you have read the Terms and Conditions of Use and that you accept the terms thereof. You agree to read these terms of use carefully before using The Site. If you do not agree to the Terms of Use, you may not access or otherwise use The Site.
    6. You accept that The Site is provided on an "as is, as available" basis and we make no warrants either expressed or implied as to the content, documents contained within, or links to other 3rd party websites
    7. Your access to the website and its use may be terminated or at any time for any reason by us.
  2. No Unlawful of Harmful Use
    1. You may not use this website in any way that breaches any code of conduct, policy or other notice applicable to this website.
    2. You agree that you will not use any device, software or other instrument to, directly or indirectly, interfere or attempt to interfere with
      1. the proper working of this website or
      2. any other party's use and enjoyment of this website, and that you will not, directly or indirectly, take any action that could damage, disable, overburden, or impair this website or the networks connected to this website.
  3. Revisions and Errata
    1. The materials appearing on National Credit Auditors, Inc website could include technical, typographical, or photographic errors. National Credit Auditors, Inc does not warrant that any of the materials on its website are accurate, complete, or current.
    2. National Credit Auditors, Inc may make changes to the materials contained on its website at any time without notice. National Credit Auditors, Inc does not, however, make any commitment to update the materials.
    3. You may not modify copy, distribute, republish or upload any of the material on The Site in any way unless you obtain the prior written consent of National Credit Auditors, Inc.
  4. Liability
    1. IN NO EVENT SHALL THE NATIONAL CREDIT AUDITORS, INC BE LIABLE TO YOU OR ANY ENTITY OR PERSON FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF OR INABILITY TO USE THE WEBSITE, MATERIALS, CONTENT OR ANY OTHER RELATED SERVICES OR PRODUCTS, OR FOR ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS, AND INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR REVENUES, COSTS OF REPLACEMENT, BUSINESS INTERRUPTIONS, LOSS OF DATA OR DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION, MATERIALS OR CONTENT UPLOADED, AVAILABLE FOR VIEWING, AND/OR DOWNLOADED, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHER THEORIES OF LIABILITY EVEN IF THE NATIONAL CREDIT AUDITORS, INC IS EXPRESSLY ADVISED ABOUT THE POSSIBILITY OF SUCH DAMAGES
  5. Indemnity
    1. You agree to indemnify, defend and hold harmless the National Credit Auditors, Inc, its affiliates, officers, directors, employees, agents, successors and assigns, from and against any and all claims, damages, losses, liabilities, costs and expenses (including but not limited to attorneys' fees) arising from or related to:
      1. your use of the Website;
      2. your violation or breach of any material term of these Terms of Use; or
      3. your violation of any third-party right, including without limitation any copyright, property, privacy or publicity right.
    2. This indemnification, defense and hold harmless obligation will, notwithstanding anything to the contrary, survive these Terms of Use and your use of the Website.
  6. Copyright
    1. All materials contained on National Credit Auditors, Inc website are protected by copyright, and are owned or controlled by National Credit Auditors, Inc.
    2. You will agree to and abide by any and all additional copyright notices, information, or restrictions for any content or documents herein contained in this website.
    3. You have permission to view the material and documents contained on these web pages and save that material only for your personal reference and use.
    4. Copying or storing of any material for other than personal, noncommercial use is expressly prohibited.
    5. You are specifically forbidden and barred and may not put up for auction, sell, trade for service or disseminate the contents of this website for profit or material gain.
  7. Links
    1. We may offer links to websites operated by third parties. National Credit Auditors, Inc has not reviewed all of the sites hypertext links to its Internet website and is not responsible for the contents of any such linked site.
    2. Any hypertext links provided by National Credit Auditors, Inc to third party websites are provided for the convenience and information purposes of its' users only. The inclusion of any link does not imply endorsement by National Credit Auditors, Inc of the site, nor does National Credit Auditors, Inc approve or control the content of such sites.
    3. Use of any such linked website is at the user's own risk and we accept no liability nor be responsible for any damages occurred by user in connection with the hyperlinked site.
  8. Severability
    1. Should any provision of this Terms and Conditions of Use shall be declared invalid or unenforceable for any reason; the remainder of these terms and conditions shall remain enforceable and unaffected thereby.
  9. Entirety
    1. The Terms and Conditions of Use contained herein are the complete agreements and understandings between National Credit Auditors, Inc and user with respect to the website and its contents.
    2. No other statements, oral or written, shall bind either of us unless a written agreement is lawfully executed and duly signed by either parties or duly appointed representatives.
  10. Site Terms of Use Modifications
    1. National Credit Auditors, Inc may revise these terms of use for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
  11. Governing Law
    1. In the event of a violation of these Terms of Use, the National Credit Auditors, Inc reserves the right to seek all remedies available by law or in equity.
    2. Any claim, action or proceeding relating to National Credit Auditors, Inc website and any information contained or provided from it shall be governed by the laws of the State of Washington without regard to its conflict of law provisions.
    3. Exclusive jurisdiction shall be located in the appropriate county, state, or federal court located in Clark County in Washington State, United State of America.

Disclosure Statement Required Pursuant to Federal Law

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580.