Last updated: June 2019.
Financewatchdogs.com is a referral agency that connects financial service providers with consumers to help them live healthier financial lives and when you call our number, you may be directly connected with one of our partners or a third-party to assist you. Independent providers of the services may charge fees and have their own terms of service. Financewatchdogs.com is not responsible and does not guarantee any outcomes from these providers. Services may not be available in all states so please call or check our website for details.
This Agreement contains a binding arbitration agreement, which provides that you and we agree to resolve certain disputes through binding individual arbitration and give up any right to have those disputes decided by a judge or a jury. You have the right to opt out of our agreement to arbitrate. See the Legal Disputes section of this Agreement.
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Financewatchdogs.com reserves the right to change the terms, conditions, and notices under which the Financewatchdogs.com Web Site is offered, including but not limited to the charges associated with the use of the Financewatchdogs.com Web Site.
The Financewatchdogs.com Web Site may contain links or phone numbers to other Web Sites (“Linked Sites”). The Linked Sites or call in numbers are not under the control of Financewatchdogs.com and Financewatchdogs.com is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Financewatchdogs.com is not responsible for webcasting or any other form of transmission received from any Linked Site. Financewatchdogs.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Financewatchdogs.com of the site or any association with its operators.
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We and our affiliates, through the Services, may provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions, credit card providers, debt settlement companies, lenders and other financial professionals (“Service Providers”). We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
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Financewatchdogs.com reserves the right, in its sole discretion, to terminate your access to the Financewatchdogs.com Web Site and the related services or any portion thereof at any time, without notice. GENERAL. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Arizona, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Maracopa County, Arizona, U.S.A. in all disputes arising out of or relating to the use of the Financewatchdogs.com Web Site. Use of the Financewatchdogs.com Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Financewatchdogs.com as a result of this agreement or use of the Financewatchdogs.com Web Site. Financewatchdogs.com’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Financewatchdogs.com’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Financewatchdogs.com Web Site or information provided to or gathered by Financewatchdogs.com with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Financewatchdogs.com with respect to the Financewatchdogs.com Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Financewatchdogs.com with respect to the Financewatchdogs.com Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.
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You shall defend, indemnify and hold harmless us and our officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by us; (iii) your access or use of our Services; (iv) access or use of our Services under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); and/or (vi) any personal injury or property damage caused by you.
We reserve the right to update, amend and/or change this Agreement at any time in our sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon us posting the updated Agreement on our Services. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.
You and we agree that any claim or dispute at law or equity that has arisen or may arise between us relating in any way to or arising out of this or previous versions of this Agreement, your use of or access to the Services will be resolved in accordance with the provisions set forth in this Legal Disputes section. Please read this section carefully. It affects your rights and will have a substantial impact on how claims you and we have against each other are resolved. Applicable Law You agree that the laws of the State of Arizona, without regard to principles of conflict of laws, will govern this Agreement and any claim or dispute that has arisen or may arise between you and us, except as otherwise stated in this Agreement.
Class Action/Jury Waiver: You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and we agree to waive the right to a trial by jury for all disputes.
You may opt out of this Agreement to Arbitrate. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing, within 30 days of the date that you first began using this Site subject to these arbitration terms or changes to them, either by U.S. mail delivered to: Attn: Legal Department, Financewatchdogs.com, LLC, P.O. Box 147 Maple Grove, MN 55369 or contact us online or call Financewatchdogs at (877) 783-2075 to speak to an agent You must include: (1) your name and residence address; (2) the email address and/or mobile telephone number associated with your account; and (3) a clear statement that you want to opt out of this agreement to arbitrate.
The offers that you are matched up with are from companies or attorneys/law firms that we may receive compensation from. We do recommend that you shop around and compare services and costs with other companies while performing you own due diligence, especially since people’s experiences with companies can change over time. We may be compensated for the following: