You understand that we are providing you with an Application preparation service, which includes, but is not limited to, the use of servers, transport, routers, IP addresses and other equipment and protocols to transmit information over our network (the “System”). You agree to abide by these Terms with respect to your use of the Service.

• Accuracy. By registering for our Services, you represent and warrant that all information you submit to us is true, accurate, current and complete and that you will promptly notify us if your information changes.
• Privacy. You may browse the Site without providing us with any personal information; however, to use our Services, you must register with us and submit certain personally identifiable information. You expressly agree that we may use your information in accordance with the terms of the card-apply-assistance.com Privacy Policy, which you can find and read at https://card-apply-assistance.com/privacy.aspx

Card-Apply-Assistance.com grants you a personal, limited, non-transferable, non-exclusive license to use Card-Apply-Assistance.com Site content and the Services, solely for your personal, private and non-commercial use in connection with the Card-Apply-Assistance.com Services accessed by you. This license is personal to you, and you may not resell our Services, permit other users’ access to our Services through your account, or use the Services or our System to host content for others. You may not copy or download any content from the Card-Apply-Assistance.com Services except with the prior written approval of Card-Apply-Assistance.com.

Furthermore, without the prior written approval of Card-Apply-Assistance.com, you may not distribute, publicly perform or display, lease, sell, transmit, transfer, publish, edit, copy, create derivative works from, rent, sub-license, distribute, decompile, disassemble, reverse engineer or otherwise make unauthorized use of Site content or Services. Any commercial use is expressly prohibited. You agree not to remove, obscure, or alter copyright, patent, trademark, or other proprietary rights notices affixed to the Site. Your rights are subject to your compliance with these Terms as well as any other agreements applicable to the Card-Apply-Assistance.com Services you are using.

Making unauthorized copies or distribution of Site content may result in the termination of your Card-Apply-Assistance.com account, prohibition on use of Card-Apply-Assistance.com Services, and further legal action.

We may add to, change or remove any part of these Terms, at any time without prior notice to you other than listing of a later effective date than the one set forth at the top of this policy. Such modification shall be effective immediately upon posting at the Site. As your next visit to a Site or use of the Services may be governed by different Terms, we encourage you to look for a new effective date on these Terms when you visit the Site or use the Services. It is your responsibility to check these Terms periodically for changes. If we make any material changes to these Terms, we will endeavor to provide registered users with additional notice of any changes, such as at your e-mail address of record, when you log-in to your account, or when you log-in to the Services.

Your use or continued use of the Site or Services following the posting and/or notice of any changes to these Terms or any other posted policies shall constitute your acceptance of the changed Terms or policies.

You may not access or use the Site or Services if you are unable to form a binding, legal agreement with Card-Apply-Assistance.com. You affirm that you are over the age of 18. You assume all responsibility for your use of, or access to, the Site or Services.

Accounts are for single user, individual use only. Any non-individual use or multiple-party use is prohibited. For example, the following uses are prohibited under this section:

• Sharing a login between people.
• Simultaneous logins from multiple IP addresses with the exception that we do allow an individual up to twelve (12) active connections to the network per account, mostly, to allow for mobile device use, but the connections are prohibited to be used by anyone but the account holder.

The Services may require or allow you to download prefilled application form, prefilled application form updates or patches, or other utilities and tools onto your computer, entertainment system or device (“Prefilled application form”). Card-Apply-Assistance.com grants to you a non-exclusive, limited license to use Card-Apply-Assistance.com Prefilled application form solely for the purpose stated by Card-Apply-Assistance.com at the time the Card-Apply-Assistance.com Prefilled application form is made available to you and in accordance with these Terms. Your use of the Card-Apply-Assistance.com Prefilled application form may be subject to the terms of an end-user license agreement. You may not sub-license, or charge others to use or access Card-Apply-Assistance.com Prefilled application form. You may not translate, reverse-engineer, reverse-compile or decompile, disassemble or make derivative works from Card-Apply-Assistance.com Prefilled application form. You may not modify Card-Apply-Assistance.com Prefilled application form or use it in any way not expressly authorized in writing by Card-Apply-Assistance.com. You understand that Card-Apply-Assistance.com ’s introduction of various technologies may not be consistent across all platforms and that the performance of Card-Apply-Assistance.com Prefilled application form and related Card-Apply-Assistance.com Services may vary depending on your computer and other equipment. From time to time, Card-Apply-Assistance.com may provide you with updates or modifications to Card-Apply-Assistance.com. You understand that certain updates and modifications may be required in order to continue use the Card-Apply-Assistance.com and Card-Apply-Assistance.com Services.

Card-Apply-Assistance.com enforces a zero-tolerance SPAM policy regarding information transmitted through our network. Card-Apply-Assistance.com may determine in its sole discretion whether any transmissions are considered SPAM. SPAM includes, but is not limited to, the following:

• Bulk unsolicited e-mail, promotional material, or other forms of solicitation sent via e-mail that advertise any IP address belonging to Card-Apply-Assistance.com or any URL (domain) that is hosted by Card-Apply-Assistance.com.
• The use of web pages set up on ISPs that allow SPAM-ing (also known as “ghost sites”) that directly or indirectly reference customers to domains or IP addresses hosted by Card-Apply-Assistance.com.
• Forging or misrepresenting message headers, whether in whole or in part, to mask the true origin of the message.
• If Card-Apply-Assistance.com determines that you have posted one or more articles of spam, we may cancel your account immediately and take steps to prevent you from using our network at any time thereafter.

Card-Apply-Assistance.com may, with prior notice, change the fees it charges you for accessing the Services at any time. All prices are quoted for one user. You agree that all fees charged by Card-Apply-Assistance.com for accessing the Services will be automatically charged to your payment account on file with Card-Apply-Assistance.com (DocFilingAssist LLC).

If the signup offers for your plan provided for a 15-day money back guarantee, and if you are less than 100% satisfied with the Card-Apply-Assistance.com service, we will gladly refund your payment subject to:

• The request is made within fifteen (15) days from the date of the initial purchase.

We do not control, and we are not responsible for, any data, content, services, or products (including prefilled application form) that you access, download, receive while using the Services. We may, but do not have any obligation to, block information, transmissions or access to certain information, services, products or domains to protect the Services, our network, the public or our users. We are not a publisher of third-party content accessed through the Services and are not responsible for the content, accuracy, timeliness or delivery of any opinions, advice, statements, messages, services, graphics, data or any other information provided to or by third parties as accessible through the Service.

Card-Apply-Assistance.com is not liable for the loss, corruption, alteration or removal of any content transmitted using our Services or on our System. By using our Services, you expressly waive the right to seek damages and agree to hold Card-Apply-Assistance.com harmless for any such loss, alteration, corruption or removal.

Card-Apply-Assistance.com may also at any time modify or discontinue, temporarily or permanently, all or any part of the Services or your account, with or without notice, and you agree that Card-Apply-Assistance.com will not be liable to you or any third party for any such modification, suspension or discontinuance. Our Services are not intended to be used in countries where offering or providing the Services is illegal.

The Card-Apply-Assistance.com service offered as part of this Agreement is subject to all relevant United States export control laws and regulations. Card-Apply-Assistance.com makes no representation that this Site is appropriate or available for use in other locations outside the United States. By using this Site, you represent and warrant that: (i) you are not listed on the U.S. Commerce Department’s Table of Denial Orders, the U.S. Treasury Department’s lists of specially designated nationals, or otherwise denied the privilege of participating in transactions involving the export of U.S.-origin products and services; (ii) you are not located in a country that is subject to embargo by the United States (currently Cuba, Iraq, Libya, North Korea, Sudan, Syria, or the Taliban Occupied Part of Afghanistan); (iii) you are not engaged, directly or indirectly, in the design, development, production, stockpiling, or use of nuclear, chemical, or biological weapons or missiles; and (iv) you will not, without prior authorization from the Bureau of Export Administration, (a) knowingly re-export the technical data received from you to any destination or (b) export the direct product of the technical data, directly or indirectly, to a country listed in Country Group D:1 or E:2 in Supplement No. 1 to Part 740 of the Export Administration Regulations (Albania, Armenia, Azerbaijan, Belarus, Bulgaria, Cambodia, Cuba, Estonia, Georgia, Kazakhstan, Kyrgyzstan, Laos, Latvia, Libya, Lithuania, Macau, Moldova, Mongolia, North Korea, People’s Republic of China, Romania, Russia, Tajikistan, Turkmenistan, Ukraine, Uzbekistan, or Vietnam).

Card-Apply-Assistance.com respects the intellectual property rights of others and expects that you do the same. It is our policy to terminate in appropriate circumstances the accounts of subscribers who infringe the copyrights of others. You may not upload, download, post, publish, transmit, reproduce, or distribute in any way, files, material, information, prefilled application form or other material obtained through the System that is protected by copyright or other proprietary right or derivative works with respect thereto, without obtaining permission of the copyright owner or other right holder. Additionally, you shall not upload, download, post, publish, reproduce, transmit or distribute in any way any component of the System itself or derivative works with respect thereto.

You agree to comply with all applicable laws and regulations in connection with your use of the Services. You may not use our Services, or our Prefilled application form or System, to post or transmit any illegal material, including without limitation any transmissions that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national or international law or regulation. In particular, the following is a representative, non-exhaustive list of acts that are prohibited:

• The transmission or posting of chain letters or pyramid schemes, or other acts that involve deceptive online marketing practices or fraud;
• Sending or transmitting any SPAM over the Services, whether via e-mail, Usenet, or any other communication channel;
• Acts that may materially affect the quality of other users’ experience, including, without limitation, “spikes” in bandwidth usage or using any program/script/command, or sending messages of any kind, designed to interfere with a third-party customer terminal session, via any means, locally or via the Internet;
• Actual or attempted unauthorized use or sabotage of any computers, machines or networks;
• Introducing malicious programs into Card-Apply-Assistance.com ’s network or servers (e.g., viruses, worms, Trojan horses, etc.);
• Engaging in any monitoring or interception of data not intended for you without authorization;
• Attempting to circumvent authentication or security of any host, network, or account (“cracking”) without authorization;
• Using any method, prefilled application form or program designed to collect identity information, authentication credentials, or other information from the legitimate users of another entity’s website or service;
• Transmitting or receiving, uploading, using or reusing material that is abusive, indecent, defamatory, harassing, obscene or menacing, or a breach of confidence, privacy or similar third-party rights;
• Transmitting or receiving, uploading, using or reusing material that violates any intellectual property rights of a third party, including, without limitation, patent, trademark or copyrights;
• Transmitting or receiving, uploading, using or reusing material that includes sexual or explicit depictions of minors in any form;
• Transmitting or receiving, uploading, using or reusing material that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
• Advertising, transmitting or otherwise making available any prefilled application form, program, product or service that is designed to violate these Terms;
• Falsifying header information or user identification information;
• Using the Services for anything other than lawful purposes including, but not limited to, intentionally or unintentionally violating any applicable local, state, national or international law; or
• Impersonating any person or entity, including, but not limited to, a Card-Apply-Assistance.com representative, or falsely stating or otherwise misrepresenting your affiliation with a person or entity;

By using our Services, you affirm that you are at least 18 years of age, or otherwise over the age of majority in the jurisdiction in which you reside. You understand that the Internet may contain information which may be offensive, may be illegal in various jurisdictions or may be inappropriate for certain ages and that Card-Apply-Assistance.com is not responsible for detection and removal of such information. In accordance with the Children’s Online Privacy Protection Act (COPPA) and associated rules, we do not knowingly collect or maintain any personal information from children under 13.

You acknowledge and agree that you are solely responsible for protecting your password and other personal information and for the consequences of not protecting these data. Access to the System, our Services, the Internet, and to certain online transactions involves the use of identification numbers, passwords, payment accounts or other individualized nonpublic information (“Private Documentation”). You shall use your best efforts to prevent unauthorized use of our Services, the System or of any Private Documentation, and shall promptly report to Card-Apply-Assistance.com any suspected unauthorized use or other breach of security. You shall be responsible for any unauthorized use of your identification numbers or passwords until we receive written notice of a breach of security and a request to block further access for such numbers and passwords. Card-Apply-Assistance.com shall not be liable for any unauthorized use of payment accounts. Account sharing (e.g., allowing others to use your account information to access the Services) is not permitted.

UNDER NO CIRCUMSTANCES WILL CARD-APPLY-ASSISTANCE.COM , ITS AFFILIATES, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS OR OTHER THIRD PARTY PARTNERS (“CARD-APPLY-ASSISTANCE.COM PARTIES”) BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF OUR SERVICES, SITE OR CONTENT ANYWHERE ON THE INTERNET, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY; INCLUDING WITHOUT LIMITATION DAMAGES RESULTING FROM LOST PROFITS, LOST DATA, LOSS OF BUSINESS OR BUSINESS INTERRUPTION, WHETHER DIRECT OR INDIRECT, ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF OUR SERVICES, OUR SITE OR CONTENT ANYWHERE ON THE INTERNET, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY. YOUR SOLE AND EXCLUSIVE REMEDY UNDER THIS AGREEMENT SHALL BE FOR YOU TO DISCONTINUE YOUR USE OF THE SITE AND SERVICES.

IF, NOTWITHSTANDING THE FOREGOING, ANY OF THE CARD-APPLY-ASSISTANCE.COM PARTIES IS FOUND TO BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DAMAGE OR LOSS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE SITE, SERVICE, PREFILLED APPLICATION FORM OR ANY CONTENT THEREIN, THE CARD-APPLY-ASSISTANCE.COM PARTY’S TOTAL CUMULATIVE LIABILITY SHALL IN NO EVENT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID CARD-APPLY-ASSISTANCE.COM FOR YOUR USE OF THE SERVICE.

SOME STATES OR JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR DIRECT, CONSEQUENTIAL, INDIRECT, EXEMPLARY, SPECIAL, PUNITIVE OR INCIDENTAL DAMAGES. IN SUCH STATES OR JURISDICTIONS, THE CARD-APPLY-ASSISTANCE.COM PARTIES’ LIABILITY TO YOU SHALL BE LIMITED TO THE FULL EXTENT PERMITTED BY LAW.

You agree to defend, indemnify and hold the Card-Apply-Assistance.com Parties harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party arising out of or relating to any violation of these Terms by you; any content or material you submit or otherwise transmit through our System or Services; or your violation of any rights of another. Card-Apply-Assistance.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to defense by you. This Section shall survive termination of these Terms.

These Terms shall be automatically renewed for successive one-month periods, until canceled by you or by Card-Apply-Assistance.com. Card-Apply-Assistance.com may deny or restrict your access to all or part of the System without notice in its reasonable discretion if it deems that you have engaged in any conduct or activities that Card-Apply-Assistance.com in its reasonable discretion believes violates the letter or spirit of any of these Terms. If Card-Apply-Assistance.com denies or restricts your access to the Services because of such a violation, you shall have no right to obtain any refund or credit for the subscriptions fees you have paid.

You and we agree that all disputes and claims between you and us shall be settled by binding arbitration instead of in courts of general jurisdiction. This agreement to arbitrate is intended to be broadly interpreted and includes, but is not limited to, any dispute, claim or controversy arising out of or relating in any way to the Services, our prefilled application form, our website, the Terms or any aspect of the relationship between you and us. You agree that, by agreeing to the Agreement, the U.S. Federal Arbitration Act governs the interpretation and enforcement of this provision, and that you and we are each waiving the right to a trial by jury or to participate in a class action. Notwithstanding the foregoing, either party may bring an individual action in small claims court. This arbitration provision does not preclude you from bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against us on your behalf. This arbitration provision shall survive termination of these Terms and the termination of your account.

A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to us should be addressed to: Card-Apply-Assistance.com (DocFilingAssist LLC) The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If you and we do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or we may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by us or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or we are entitled. If you are required to pay a filing fee, after we receive notice at the Notice Address that you have commenced arbitration, it will promptly reimburse you for your payment of the filing fee, unless your claim is for greater than US$10,000.

The arbitration will be governed by the JAMS Comprehensive Arbitration Rules & Procedures and the JAMS Expedited Arbitration Procedures (collectively, “JAMS Rules”) of JAMS, as modified by the Terms, and will be administered by JAMS. JAMS Rules and Forms are available online at www.jamsadr.com. The arbitrator is bound by the Terms. All issues are for the arbitrator to decide, including issues relating to the scope and enforceability of this arbitration provision. Unless you and we agree otherwise, any arbitration hearings will take place by video or telephone conference. If your claim is for US$10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by JAMS Rules. If your claim exceeds US$10,000, the right to a hearing will be determined by JAMS Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. The arbitrator is not authorized to award punitive or other damages not measured by the prevailing party’s actual damages, and may not, in any event, make any ruling, finding or award that does not conform to the terms and conditions of the Agreement.

We may make a written settlement offer any time before an arbitrator is selected. If the arbitrator issues you an award that is greater than the value of our last written settlement offer made before an arbitrator was selected (or if we did not make a settlement offer before an arbitrator was selected), then we will pay you the amount of the award or US$1,000, whichever is greater. Except as expressly set forth herein, the payment of all filing, administration and arbitrator fees will be governed by JAMS Rules.

Entire Agreement. These Terms, along with any rules, guidelines, or policies published on the Card-Apply-Assistance.com homepage constitute the entire agreement between Card-Apply-Assistance.com and you with respect to your use of our Site Services. If there is any conflict between the Terms and any other rules or instructions posted on the Site or Services, the Terms shall control.

Amendments. No amendment to these Terms by you by shall be effective unless acknowledged in writing by Card-Apply-Assistance.com. Notwithstanding the foregoing, Card-Apply-Assistance.com reserves the right, in its sole discretion, to modify these Terms or the policies referenced herein at any time as set forth above.

Jurisdiction and Venue. These Terms shall be governed by, and construed in accordance with, the laws of the state of New York, without reference to its choice of law rules. Venue for any action arising out of or in connection with this agreement shall be in New York. The parties each hereby consent to the jurisdiction and venue in New York and waive any objections to such jurisdiction and venue.

Limited Time to Bring Claim. Subject to any applicable law to the contrary, you agree that any cause of action arising out of or related to the use of our Site or Services must be commenced within one (1) year after the cause of action accrues, or such action will be permanently barred.

Severability. If any portion of these Terms is found to be unenforceable or invalid for any reason, that provision will be limited or eliminated to the minimum extent necessary so that the rest of these Terms will otherwise remain in full force and effect.

Assignment. You may not assign its rights or obligations under these Terms without the prior written consent of Card-Apply-Assistance.com, which may be withheld in Card-Apply-Assistance.com ’s sole discretion.

Non-Waiver. Card-Apply-Assistance.com ’s failure to insist upon or enforce any provision of these Terms shall not be construed as a waiver of any provision or right.