"RIGHTS UNDER COLORADO AND FEDERAL LAW

You have a right to obtain a copy of your credit report from a credit bureau for a small fee. You have a right to dispute inaccurate information by contacting the credit bureau directly. However, you have no right to have accurate information removed from your credit bureau report. Under the federal "Fair Credit Reporting Act", the credit bureau must remove accurate negative information from your report only if it is over 7 years old. Bankruptcy can be reported for 10 years. Even when a debt has been completely repaid, your report can show that it was paid late if that is accurate. You have a right to sue a credit repair company that violates the "Colorado Credit Services Organization Act". This law prohibits deceptive practices by repair companies. The "Colorado Credit Services Organization Act" also gives you a right to cancel your contract for any reason within 5 working days from the date you sign it.

The Federal Trade Commission enforces the federal "Fair Credit Reporting Act". For more information, call or write the Federal Trade Commission. The administrator of the uniform consumer credit code enforces the "Colorado Credit Services Organization Act". For more information, call or write the Colorado attorney general's office.

TERMS AND CONDITIONS OF USE

You must read and agree to these terms and conditions before you are granted permission to use any part of a-zfinancialsoultions.com, hereafter called SITE, beyond its Initial Page (the root page of this website) and its legal disclaimers. By using any page of SITE other than its warning page or legal disclaimers, you are acknowledging that you have read these Terms and Conditions of Use and agree to be bound by them.

Please read them carefully.

YOU MUST AGREE

1. For good and valuable consideration, the sufficiency of which is acknowledged by you and the Company, you hereby agree to become a confirmed User of SITE, and agree to be bound by all the terms and conditions set forth in this agreement (the "Agreement"). The parties to this Agreement are you, the User and A-Z Financial Solutions LLC, a Colorado Limited Liability Company ("Company"). Subject to the terms and conditions set forth in this Agreement, the Company agrees to provide to you all the privileges of use of SITE available to a User in good standing. This Agreement is subject to change by Company at any time, and changes are effective upon notice to the User by e-mail, posting at or via hyperlink to SITE, or by mail.

ALL CONTENTS ARE THE PROPERTY OF THIS SITE UNLESS OTHERWISE SPECIFIED!

2. You acknowledge and agree that, unless noted otherwise, all materials contained at SITE are proprietary and constitute valuable intellectual property. You acknowledge and agree that as such, you may only access, view, download, receive and otherwise use the materials available at SITE only as authorized by the Company. You agree that you shall at no time access, view, download, receive or otherwise use, or cause or enable others to access, view, download, receive or otherwise use materials, directly or indirectly in places which the Company does not authorize such access, viewing, downloading, receipt or other use. You agree that any and all unauthorized access, viewing, downloading, receipt, duplication or other use of materials from SITE, in which you are directly or indirectly involved, in any manner shall constitute intentional infringement(s) of SITE's and potentially other's intellectual property rights and other rights in such materials and shall further constitute a violation of SITE's trademark and other rights, including, but not limited to, rights of privacy.

UNAUTHORIZED DOWNLOADING

3. You agree to be personally liable and fully indemnify SITE for any and all damages directly, indirectly and/or consequentially resulting from my attempted or actual unauthorized downloading or other duplication of materials from SITE alone, or with or under the authority of, any other person(s), including, without limitation, any governmental agency(ies), wherein such damages include, without limitation, all direct and consequential damages directly or indirectly resulting from unauthorized downloading of materials from SITE including, but not limited to, damages resulting from loss of revenue, loss of property, fines, attorney' fees and costs, including, without limitation, damages resulting from prosecution and/or governmentally imposed seizure(s), forfeiture(s), and/or injunction(s).

PERMISSIBLE AND PROHIBITED USES

4. Subject to the terms and conditions set forth herein, SITE hereby grants you a limited, non-exclusive and non-transferrable license to use graphic files, audio files, video files, text, hyperlinks, interlinks, search engines, and other software associated with authorized User use of SITE which Company provides ("Materials”;) during the period in which you are a current User in good standing. You may make no use of Materials not expressly authorized herein or by prior express written authorization from Company. Prohibited uses, include, without limitation:

(1) permitting other individuals to directly or indirectly use the Materials;
(2) modifying, translating, reverse engineering, decompiling, disassembling the Materials (except to the extent applicable laws specifically prohibit such restriction);
(3) making copies or creating derivative works based on the Materials except as provided herein;
(4) renting, leasing, or transferring any rights in the Materials;
(5) removing any proprietary notices or labels on the Materials; and
(6) making any other use of the Materials.

LIMITED AND NON-EXCLUSIVE LICENSE TO USE MATERIALS

5. Except for public domain material or material otherwise licensed to Company for electronic dissemination, all Materials displayed at or otherwise available through SITE are proprietary, and, except for initial downloading, may not be copied, redistributed, or downloaded, in whole or in part, without the prior written authorization of Company. All editions of SITE, and all Materials and other matter used directly or indirectly in, at, by, through and/or with SITE are protected by the copyright laws of the United States, international copyright treaties and other laws and regulations. All rights are reserved. All intellectual property and other rights in and to the Materials and other matter at SITE shall at all times remain in Company, its parent(s), subsidiary(ies), licensee(s) and assign(s). All intellectual property and other rights in and to any intellectual property content accessed through the Materials is the property of the applicable content owner, which may be the Company, its parent(s), subsidiary or subsidiaries, licensee(s) and assign(s), or others, and may be protected by applicable copyright and/or other laws. The limited and non-exclusive license granted to you herein grants to you no rights to use such content except as set forth herein. This license will immediately terminate automatically if you fail to comply with the limitations described herein, breach any other provision of this Agreement, cease, for any reason, to be a User in good standing, or are notified of its termination by the Company or its authorized agent(s). You agree that upon such termination, you will immediately destroy all copies of the Materials in your possession.

ALL MATERIALS PROVIDED ON AN AS-IS BASIS WITHOUT ANY WARRANTIES EXPRESS OR IMPLIED

6. You agree that Materials and all other services provided to you by Company are provided on an "AS IS" basis, without warranties of any kind, including without limitation the warranties of merchantability, fitness for a particular purpose and non-infringement. The entire risk as to the quality and performance of the Materials and all services provided by Company is borne by you. Should the Materials or any other service provided by Company prove defective and/or cause any damage to your computer or inconvenience to you, you, and not Company, assume the entire cost and all damages which may result from any and all such defects. This disclaimer of warranty constitutes an essential part of the Agreement. Under no circumstances and under no cause of action or legal theory, shall Company, its suppliers, licensees, resellers, or other subscribers, or their suppliers, licensees, resellers or subscribers be liable to you or any other person for any indirect, special, incidental, or consequential damages of any character including, without limitation, damages for loss goodwill, work stoppage, computer failure or malfunction, or any and all other damages resulting from any use of Materials or other use of SITE.

INTELLECTUAL PROPERTY MATERIALS UNIQUE TO USER

Proprietary Information

7 User acknowledges that Company / Site has devoted significant expenditures of time, talent and labor in developing its methods in reaching settlements and payment plans with creditors, these efforts also include developing relationships with those creditors. User acknowledges that those methods and contacts with creditors are valuable to Company / Site and that Company / Site would suffer harm in the event that those methods and contacts were disclosed to Seller’s competitors. Therefore, User agrees that User shall not be entitled to inspect or copy any correspondence with any of User creditors or any other documentation concerning seller’s methods .Buyer shall receive on a bi-monthly basis, a statement showing the amounts paid to creditors, the interest rates charged and the amounts due and owing to those creditors.

DUTIES OF USER

6. The User shall have the following duties:

(a) User has the obligation to provide Company in writing with information concerning all of User’s assets, income and debts.
(b) User has the obligation to inform the Company in writing with information concerning all debts which the user wishes to have negotiated
(c) User has the obligation to inform the seller in writing with information concerning all of the debts which user wishes to have excluded from negotiations
(d) User has the obligation to keep the Company informed of any and all changes of address, banking information, employment or telephone numbers during the duration of the negotiations
(e) USER has the obligation to provide Company with the most recent copy of User’s Credit Report.
(f) User has the obligation to cooperate with Company in the execution of all documents necessary for Company to negotiate user’s debt settlements.

COMPANY SHALL USE BEST EFFORTS IN CONNECTION WITH DEBT NEGOTIATION

7. Company shall use its best efforts in connection with debts negotiated on user’s behalf. Company makes no warranties with respect to the outcome / results of any debt negotiation entered into on user’s behalf. All expressions thereto are a matter of Company’s opinion only.

LIQUIDATED DAMAGES PROVISION

7. Any liability of Company, including without limitation any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of records, whether for breach of contract, tortious behavior, negligence, or under any other cause or action, shall be strictly limited to the amount of fees paid by or on behalf of the USER to Company for the preceding month. In the event that user has not made a payment in the preceeding month, the liability of the company shall be limited to the sum of One Hundred Dollars.

8. Company is not liable for damages resulting from disseminating, failing to disseminate, or incorrectly or inaccurately disseminating any Materials, data, advertisement or other communication at or through SITE.

NO WARRANTY AND MORE INFORMATION

16. No warranty is made by Company regarding any information, services, materials or products provided through or in connection with the SITE, and Company hereby expressly disclaims any and all warranties, including without limitation: 1) any warranties as to the availability, accuracy, or content of Materials, information, products, or services; 2) any warranties of merchantability or fitness for a particular purpose.

SERVICE MARK INFORMATION

9. "SITE" is a service mark A-Z Financial Solutions LLC. All rights are reserved.

NOTIFYING THE COMPANY

10. Notices from SITE to Subscribers may be given by means of e-mail, by general posting on SITE, or by conventional mail. Communications from you to the Company may be made by e-mail, conventional mail or telephone. User agrees to keep company informed in the event of any changes of address, telephone number and e-mail address.

NOT AFFILIATED WITH ANY OTHER COMPANY

11. SITE is not affiliated with any company or organization other than A-Z Financial Solutions LLC. No inference of association or affiliation with, or endorsement by any company or organization is intended or should be inferred.

THIS IS THE ENTIRE AGREEMENT.

22. This Agreement contains the entire agreement between the User and Company regarding User’s use of SITE, Materials and all materials directly and indirectly related thereto. This Agreement supersedes all prior written and oral understandings, writings, and representations and may only be amended upon notice by Company. This Agreement shall be governed by and construed under the laws of the State of Colorado and the United States as applied to agreements between Colorado state residents entered into and to be performed within the State of Colorado, except as governed by Federal law. The parties to this agreement agree that In the event of a dispute between the parties, the User and Company agree to submit the dispute to binding arbitration in Denver, Colorado before a single arbitrator using the rules of the American Arbitration Association. In any such arbitration, the limitations on damages in paragraph 7 shall apply. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable. Unless otherwise explicitly stated, the provisions of this Agreement shall survive its termination.

YOU HAVE READ THIS ENTIRE AGREEMENT!

YOU HEREBY AFFIRM THAT YOU HAVE READ THIS ENTIRE AGREEMENT AND AGREE TO ALL ITS TERMS AND CONDITIONS BY USE OF THE SITE BEYOND ITS WARNING PAGE AND LEGAL DISCLAIMERS; BY CLICKING THE "ENTER SITE" BUTTON ON THE WARNING PAGE;

FROM THE WARNING PAGE, CLICK THE “ENTER SITE” BUTTON TO INDICATE THAT YOU HAVE READ THE MEMBERSHIP AGREEMENT IN ITS ENTIRETY, UNDERSTAND ITS TERMS, CONSENT TO ALL THE TERMS AND CONDITIONS SET FORTH IN THE MEMBERSHIP AGREEMENT, REPRESENT AND WARRANT THAT YOU ARE CURRENTLY OVER THE AGE OF 18 YEARS.

IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT, ARE NOT OVER 18 YEARS OF AGE, CLICK THE "EXIT SITE" BUTTON ON THE WARNING PAGE OR LEAVE THIS SITE IMEMDIATELY THROUGH SOME OTHER MEANS.