Thank you for visiting the Debt Resolve web site ("Site"). Your use of and access to the Site are governed by these Terms and Conditions, which form a binding legal agreement between you and Debt Resolve, Inc. ("Debt Resolve").

1. Intellectual Property Rights. All text, images, graphics, media, content, data, and information on the Site ("Content") are the property of Debt Resolve or its licensors and protected by United States and international copyright, trademark, and other applicable laws. This includes the appearance and design of the Site, as well as the trademarks, graphics, logos, colors, and designs. Except as expressly set forth herein, all rights in the Content and the Site are reserved to Debt Resolve and its licensors. Any use of the Content not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws. Content is subject to change and the operation of the Site may terminate without notice in the sole discretion of Debt Resolve. Debt Resolve authorizes you to view and make a reasonable, limited number of copies of particular Content for strictly informational, noncommercial use if you include the following copyright notice, in addition to any other copyright and proprietary rights notices originally contained in the Content: "© 2003 Debt Resolve, Inc. All rights reserved."

2. Patents. Debt Resolve's online, automated dispute resolution method and system is protected under several patents issued by the U.S. Patent and Trademark Office, U.S. Patent Nos. 6,330,551, 6,850,918, 6,954,741, and 7,249,114.

3. Disclaimer of Warranties. Use of the Site and the Content is at your own risk. When using the Site, information will be transmitted over a medium that is beyond the control of Debt Resolve. Accordingly, Debt Resolve cannot assume responsibility or any liability for any delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site. THE SITE AND THE CONTENT ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Debt Resolve EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND OF NON-INFRINGEMENT. Debt Resolve DOES NOT REPRESENT OR WARRANT THAT THE FUNCTIONS CONTAINED ON THIS SITE WILL BE UNINTERRUPTED OR FREE FROM ERROR, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THIS SITE AVAILABLE TO YOU ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. Debt Resolve DOES NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE CONTENT OR ITS ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY, OR OTHERWISE.

4. Limitation of Liability. In no event shall Debt Resolve be liable for any damages (including, without limitation, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use of or inability to use the Site or the Content, whether based on warranty, contract, tort, or any other legal theory, and whether or not Debt Resolve is advised of the possibility of such damages. In the event that Debt Resolve is adjudicated liable to you for any form of damages, Debt Resolve's liability shall be limited to US $100. Some states may not allow the limitation or exclusion of incidental or consequential damages; so the above limitation or exclusion may not apply to you. Any claims arising in connection with your use of the Content or the Site must be brought within six months of the date of the event giving rise to such action occurred. Remedies are exclusive and limited to those expressly provided for herein.

5. Indemnification. You represent, warrant and agree that (a) no materials of any kind submitted by or through you will (i) violate, plagiarize, or infringe upon the rights of any third party, including copyright, trademark, privacy or other personal or proprietary rights; or (ii) contain libelous or otherwise unlawful material; and (b) you will not engage on our Site in any other prohibited activity identified in these Terms of Service. You hereby agree to fully indemnify, defend, and hold harmless Debt Resolve and all of its officers, directors, owners, employees, agents, information providers, parents, affiliates, subsidiaries, agents, licensors and licensees (collectively, the "Indemnified Parties") from and against any and all liability and costs, including, without limitation, reasonable attorneys' fees, incurred by any of the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Service, including without limitation any of the foregoing representations, warranties and covenants. You agree to cooperate as fully as reasonably required in the defense of any such claims. Debt Resolve reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, including agreeing to any settlement of the claim.

6. Other Limitations on Use of The Site. You also agree not to: (a) disrupt or interfere with the security of, or otherwise abuse the Site, or any services, system resources, accounts, servers or networks connected to or accessible through the Site; (b) disrupt or interfere with any other user's enjoyment of the Site, (c) upload, post or otherwise transmit through or on the Site any viruses or other harmful, disruptive or destructive files, (d) use or attempt to use another's account, service or system without authorization from Debt Resolve, or create or use a false identity on this Site (e) transmit through or on this Site spam, chain letters, junk mail or any other type of unsolicited mass email to people or entities who have not agreed to be part of such mailings, or (f) attempt to obtain unauthorized access to the Site or portions of the Site that are restricted from general access. You also agree that you are solely responsible for actions and communications undertaken or transmitted under your account, and that you will comply with all applicable local, state, national and international laws and regulations, that relate to your use of or activities on this Site.

7. Privacy Statement. Information about our customers is important to our business, and we are not in the business of selling it to others. We share customer information only with our related or affiliated entities and/or in the circumstances described below. Over time, it is possible that a portion or all of our business may be sold. Customer information is generally one of the transferred assets in such a sale. In the event that substantially all of our asserts are acquired, your customer information may be transferred, subject to all applicable laws and governmental regulations regarding the transfer and sale of such personal data. We may also release personal information when we believe such release is necessary to comply with law; enforce these Terms of Service; or protect the rights, property, or safety of Debt Resolve or its affiliated or related companies, and their respective officers, directors, employees, agents; and others. Any information sent via regular e-mail, (including but not limited to general inquiries, requests for information, or comment) is deemed non-confidential unless otherwise specified by the sender. Debt Resolve collects, generates, retains and uses your personal Information for our own internal purposes in connection with the facilitation, recording and processing of any requests, communications, or interactions you may have with the Site. We also automatically collect and store statistics and other information about you and your online activities on an aggregated, non-personally identifiable basis and in a manner that may allow us or our affiliated or related entities to improve our services to you. In addition, your personal information may be also be used by us to provide you with information regarding our products and services. For example, we may use your e-mail address to send you special announcements and notifications of new real estate listings, services or promotions that may be of interest to you. To opt out of receiving such announcements and notifications, send an e-mail to customerservice@debtresolve.com.

Like most web sites, we use cookies (small files that are stored by your browser on your computer's hard drive) in order to provide information better targeted to the interests of our users and to better understand how users use the Site. In addition, you may occasionally receive cookies from third parties to which you link from our Site. We do not control these third party cookies and Debt Resolve assumes no responsibility for them. If you prefer, you may set your browser to ask for your permission before your receive a cookie.

If you wish to access, update, or delete particular personal information or preferences, please send an e-mail to customerservice@debtresolve.com. Please be aware, however, that we cannot always ensure that such corrections or deletions will immediately be made in our databases.

8. Data Security. Data security is critical to us and thus all personal information is held in a secured database. While it is impossible to guarantee the complete security of any computer system and the data contained therein, we maintain and implement robust security policies and procedures that combine with available technologies in accordance with prevailing industry standards, all of which are designed to protect the confidentiality, integrity, and availability of your personal information.

9. Policy Changes. Debt Resolve reserves the right to make changes to the Site and to these Terms of Service at any time by posting changes on the Site as appropriate.

10. Questions. If you have any questions regarding our Terms of Service, please e-mail Debt Resolve at customerservice@debtresolve.com.