WiseCreditManagement.com is owned and operated by Wise Teachings, LLC. Use of this website or materials constitutes acceptance of the terms on this agreement. Terms can be updated or modified at any time without notice or warning for any reason and continued use constitutes acceptance.
You agree that Wise Teachings, LLC is not a credit repair organization or similarly regulated organization governed by the Federal Credit Repair Organizations Act or similar state laws.
You agree that This class is for informational and commentary purposes only and is not meant to take the place of professional, legal, accounting or financial advice. If you have any questions about any matter you should consult with a professional during office hours.
You agree that education is not advice and you are responsible for determining the correct course of action for you to take.
Permitted Use
You agree that you are at least 18 years of age and legally able to enter into a contract.
You agree that you are using this site in the United States of America and you are not protected under internet laws of the European Union or any other nation.
You agree not to reproduce or duplicate any material without express written permission.
You agree that you have limited license to use the site, create a login user account limited to one account per person.
You agree not to attempt to login or gain access to the website through any means other than your personal login account.
You agree to be contacted about services offered now or in the future including but not limited to classes you enroll in on the site, posts in groups you join and messages you receive.
You agree not to violate any relevant laws, infringe on others rights or solicit for any purpose.
You agree not to post irrelevant, false or misleading information.
You agree to clearly identify first hand experiences as such in any posts and not make blanket statements or posts based on only one experience.
You agree not to harass other users, use obscene language or impersonate or misrepresent yourself or a relationship with another party.
You agree that Wise Teachings, LLC. reserves the right to refuse or terminate the membership of any party for any reason without warning or notice.
You agree that no guarantee or warranty is made or implied regarding any material or post on the site or elsewhere from Wise Teachings, LLC. and it is your responsibility to screen user posts for accuracy and relevance to your situation.
When posting or commenting or interacting with other users you grant full rights and license to Wise Teachings, LLC. to display, use or reproduce content. You warrant that you have the right to post that content and necessary permission to post the content, including permission from individual people displayed or depicted in pictures.
Wise Teachings, LLC. does not seek or solicit suggestions or material to be used, however if any suggestions are made or any materials are provided they become the property of Wise Teachings, LLC. without expectation of compensation or reservation of rights.
Affiliates
You agree that Wise Teachings, LLC. is partially funded by affiliate links and some of the companies referred to will pay commission if you use the affiliate link to get to their site.
You agree that all views are my own and do not represent the opinion of any entity whatsoever I am or have been affiliated.
You agree that no guarantee or warranty is made about the service offered by any affiliate.
You agree all information and material is not endorsed by any of the affiliates.
You agree that if you benefit from the class and want to use an affiliate link for, it would be appreciated, however you are free to use the affiliate links, or not.
Indemnify
You agree that in no event will Wise Teachings, LLC. be liable to you, or any member or subscriber, whether in contract or in tort or under any other legal theory (including, without limitation, strict liability and negligence) for any type of perceived or real lost profits or revenues, loss or interruption of use, or any other economic loss, or for any indirect, special, incidental, consequential or similar damages, arising out of or in connection with the performance or non-performance of the material this agreement, or for any claim made against any user(s), including without limitation, a user, member or subscriber, or by any other party.
You agree that in no event will Wise Teachings, LLC. total liability under any claim made by a member or a subscriber exceed the cost of a one-year membership or subscription paid by the member or subscriber at the time the alleged conduct occurred.
You agree that for all other users, in no event will Wise Teachings, LLC. total liability under any claim exceed the cost of a one-year subscription (if you are a Wise Credit Professional) to the material at the time the alleged conduct occurred.
Privacy Policy
The privacy policy is located here.
California Residents
Under California Civil Code Section 1789.3, California users of an electronic commercial service receive the following consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
Dispute Resolution
You agree to notify Wise Teachings, LLC. of any dispute or potential claim by certified mail at 13101 Preston Rd. Ste 110-2040, Dallas TX 75240, and attempt to resolve the problem before involving any third party.
You agree the Copyright Laws of the United States recognizes a “fair use” of copyrighted content. Section 107 of the U.S. Copyright Act states: “Nothwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.”
You agree materials may contain certain copyrighted works that were not specifically authorized to be used by the copyrighted holder(s), but which we believe in good faith are protected by federal law and the fair use doctrine for one or more of the reasons noted above. Aany use of works in materials is de minimis, transformative, and constitutes fair use under the Copyright laws of the United States. Any improper attempts to takedown or claim the videos or materials may be subject to 17 U.S.C. 512(f) claim for bad faith under the Digital Millennium Copyright Act. If you want to discuss any content in the material or videos, please contact Jason @ WiseCreditManagement.com and the above address before initiating any other actions. Failure to do so may constitute bad faith.
You agree that if any dispute is not resolved it will be handled through final and binding arbitration under the Federal Arbitration Act, and if you lose any proceeding you will be responsible for the attorney fees and court costs of both parties.
You agree that governing law shall be Dallas County in the State of Texas.
Wise Credit Professionals
You agree that Wise Teachings, LLC. provides information on professional service providers who publicly represent they are willing to serve you through their profession.
You agree that no endorsement or recommendation to use the services of any specific member.
You agree to do your own investigation and due diligence on any service provider found on this site or anywhere else.
You agree that Wise Teachings, LLC. assumes no responsibility for any action or service by any service provider and any services are at your own risk.
Requirements for Professionals
You agree to maintain the licensing and all legal requirements to remain in business while you use the site as a Wise Credit Professional.
You agree to convey information that is honest and truthful to the best of your knowledge, and to cite any information you provide or clearly mark it as your opinion or experience.
You agree to offer one free consultation to any member who makes such a request within your area of professional competence, during your office hours and at your place of business (or by phone).
You agree to monitor your account for connection requests and messages from members who may need your professional assistance.
Payments
If you seek to become a Professional Member and use our payment gateway, we use Stripe for payment, analytics, and other business services. Stripe collects and processes personal data, including identifying information about the devices that connect to its services. Stripe uses this information to operate and improve the services it provides to us, including for fraud detection and prevention. You can learn more about Stripe and its processing activities via privacy policy at https://stripe.com/privacy.
Refunds
You agree that the policy of Wise Teachings, LLC. is not to refund or pro-rate monthly payments.
You agree that Wise Teachings, LLC reserves the right to refuse or terminate the membership of any party for any reason.
You agree that these Terms of Use and Privacy Policy referenced constitute the entire agreement between you and Wise Teachings, LLC.