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Voting Question: CIC Triple Advantage Charges / FreeCreditReport.com?

Hi, I was wondering if anyone else had their credit card charged by this company? I did some searching online and understand a lot of people did not know about the monthly fee they bill you for check you "free" credit report. The thing is, I didn't even sign up for anything! I wasn't checking my credit nor need to check my credit. I didn't even go on their website!!!! No one else uses my card except for me. Anyone else a victim to this? (...the ones that didn't even go near freecreditreport.com) ?? Btw, I'd already called my bank to dispute the charges. they charged my card three times: May 26, June 8, and June 18. WTH?! more

Resolved Question: I need to get my credit report but none of the online sites are truly free?

They either requier a credit card which i dont have. or after going through all the hoops it tells me i cant have it that i have to mail stuff in is there any other way because i dont even know who i owe money to anymoreI have tried Annualcreditreport.com but it would not let me have it from any of the three one said i have to mail in my request the others flat out denied me more

Resolved Question: how do you do a free online credit report without a credit card?

for some reason rush card doesn't count as a credit card(thanks a lot russel Simmonss!)but seriously,I tried freecreditreport.com,but they need my credit card.all I want to do is check my score to make sure nothing fishy is going on.I also don't to go to those scam sites(those sites that steal yourI dentity).any help would appreciated. more

Resolved Question: Where can I find my credit report online, and it really REALLY is free? (And no credit cards needed.)?

Voting Question: What kind of legal action can I take towards a bank whom closed my account!?

Let me start this over I have been in the country for 3 years . I came here with my student visa and opened an account with bank of america in 2006.Since I was a foreign and didn't have a social they opened an account in a different way .Then I got married 2 years ago to my husband whom is a Us citizen.After our marriage I went to bank of america to update my address and name ..etc. They did the update which took for ever because they had to find my account info from a list which has millions of people whom they are holding other countries residency.From that time on I have been getting my statements and bank updates regularly with my name( marriage name) on it.Then one day I was at retail store to open an account with them they of course swiped my card to verify address and my application hasn't been approved due to a mismatch on the address with my driver's licence and debit card .After I contacted bank of america they couldn't see any reason for that since I am getting my statements and everything,this follow up didn't solve anything without even knowing that it is unsolved. 5 days ago my husband and I were trying to open joint account for us and we actually did open it online. They sent us a verification e-mail stating that it has been approved and they will be mailing our paper work in the mail .Since we thought we have an account we transfered some funds to that so that it would be active.Very next day I log in our online banking and our brend new account showing -$888.888.88 on hold.I of course freaked out and called my husband for him to call the customer service.He did talk to someone and that person said that the account is "at high risk".My husband ask them the meaning of it.He couldn't get any further due to the fact of our agreement .THEY DO NOT HAVE TO GIVE YOU A REASON TO CLOSE AN ACCOUNT. This morning we went to the bank .The lady who tried to fix our problem started with my old account.She updated the info and tried to talk to someone to fix our new account problem but no point.They have already closed our account and since there was another existing acoount under the same name they closed that to.The lady helping us asked the same question why?.And the person on the line whom is above her(as rank) said the same thing they do not have to give a reason.Lady who was helping us encourage for us to get a free credit report just to see if someone has stolen my identity .Sure enough I came home couple hourse ago and checked my credit report and I do not even have a credit history to begin with .. I ended up not being able to open any other Checking accounts with this certain bank seems like no reason other than my nationality ! I am really confident to say this ,I haven't commited any crime neither here nor in my homeland ,other than one seat belt violation in United States when had my driver's permit,I do not have any criminal backround.They have red flagged me for life .I NEED TO TAKE A LEGAL ACTION! Need your advise ,the ones who has a knowlage of my situation Thank you. more

Resolved Question: Where can I get a free credit report online?

I'm looking for a website that'll let you check your credit report for free and you don't need a credit card at all!HELP more

Resolved Question: do you know who to call if your wallet is stolen?

Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! A corporate attorney sent the following out to the employees in his company. 1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED'. 2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it. 3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have it printed, anyone can get it. 4. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards. Unfortunately, I, an attorney, have first-hand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more. But here's some critical information to limit the damage in case this happens to you or someone you know: 5. We have been told we should cancel our credit cards immediately. But the key is having the toll-free numbers and your card numbers handy so you know whom to call. Keep those where you can find them. 6. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one). But here's what is perhaps most important of all: (I never even thought to do this.) 7. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit. By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks. Now, here are the numbers you always need to contact about your wallet, if it has been stolen: 1.) Equifax: 1-800-525-6285 2.) Experian (formerly TRW): 1-888-397-3742 3.) Trans Union: 1-800-680 7289 4.) Social Security Administration (fraud line): 1- 800-269-0271 more

Resolved Question: how can i get a free credit report online without a credit card?

i'm 18 and i need to find out my credit score because i got a bill in the mail saying i owed $156.11 when ive never orderd or heard about this place before.....please help i want to know what my credit score is? more

Resolved Question: Where can I get a free credit report?

I have looked but I can't find anywhere online to get a free credit report. Does anyone know where I can get one online without needing a credit card, or a debit card? more

Resolved Question: how do i get a free credit report when i;ve never had a credit card?

I need my credit report so i can repair it But noone will let me get a report online without a credit card number or a credit card more

Resolved Question: Where can I get a credit report that is 100% FREE?

I hve checked numerous sites that claim to offer 'free' credit reports, though I have had no luck. Most want one to sign up for a 'free' trial membership (which still requires a credit card number). I am trying to clean up my credit, not make it worse by charging a membership online. Does anyone know where I can obtain a copy of my credit report for FREE (hence not needing a credit card) to sign up????? Also, I would appreciate a safe site (as one needs to provide their SSN to obtain such information)??? more

Resolved Question: WHERE can i get a free Credit Report online?? w/o credit card?? FRee. Free. Free.?

I've been looking everywhere...all i need is just one credit report but i know i heard there is somewhere online that you can get it for free...no credit card needed...and that is great...so if someone can help me find a website that i can go to please help me out thank you so much..and i will keep my fingers crossed.. HAve a great day, Chrissy more

Resolved Question: Canceling freecreditreport.com membership?

My husband asked me to go on freecreditreport.com to get his credit report. I went ahead and put his bank card number in and it charged the $1 that we authorized it to. That was on Nov. 17. Then on Nov. 20, it charged him from the same place $29.95 and on the 21, the next day!, it charged him $14.95. He was still supposed to have the "free trial membership by that time. They overdrafted that account and there is no way that I have found online to cancel that and get the money back that he did not need to pay. Any help here? If you have any further questions, please ask.To Kay's answer: They will even do this if it is his bank account not one of his credit cards? more

Voting Question: Online Form Submission with SSL?

I have field agents that need to submit a daily "report" to me. They gather information that includes credit card information. The most efficient way to handle this is via an online form of some sort...preferrably a stand alone one, similar to google documents. To protect the information of the customer, I think it's necessary to have these web forms require SSL (Security). I've run in to issues with google docs...not being able to edit after submission as well as the order being inaccurate. I've run in to issues with other forms where you need to have a website just to use the web form. Is there anything out there that will allow me to create a web form, where a field agent can go to a url for instance and access the form, fill it out, and send it to me securely? The next question is price. This isn't meant to be a high volume issue, and it doesn't merit a big investment on my part. I'm looking for something free, if not close to it...any suggestions? more

Resolved Question: is there any where online where i can get a free credit score?

i want know where can i get a free credit score. i mean no credit card needed. please don't say annualcreditreport b cuz it only gave me my report, i want the score. more

Resolved Question: i am trying to find an online free credit report that does not require an cc info at all, i dont have cc?

need to get free credit report online that does not require ANY credit card info, because i dont even own a credit card more

Voting Question: HOW DO YOU RECOVERY BEING IN CHAPTER 13?

My credit is ruined for a longtime. I thought when I filed bankruptcy it would help my credit. I just reviewed my credit for free online at www.AnnualCreditreport.com. You can review your credit once every year for up to to 30 days. I have been a single parent for a long time and have fallen behind on many bills. I have been trying to get a loan for $5000 to help me move into a home I recently got approved with lease option. I know after a year I would be able to purchase this home. The problem is I can't seem to get enough money for 1st and last month to move in. I need it all at one time. Home does not have appliances either. I only want one payment because this would be the only thing I need to pay along with my car payment. I was forced to file bankruptcy because of wages being garnished unnecessary. The wages was for the state I live in and found out don't owe them anything. But I panicked because they were taking 30% of my income. I have tried everything online. Don't have friends or family I want to go to and most of them don't have it anyway. I don't want to hear any cruel or harsh comments. I have read some pretty nasty comments to people on here in financial crisis. Some of the comments do not make any sense at all. So if you have positive advice for me I would greatly appreciate it. There are so many scammers here in cyberspace. Most of the individuals who claim they can help you have a yahoo email...yea right. Sure you can help. Don't bother because I will report you to the highest authority. Anyway, I know I am venting a little and anyone who has taken time to read this I really appreciate it. I really appreciate any advise someone can take time out and give me. It may help someone else as well. Of course by now you should know I am very much an adult. So please all you younger people, be very careful of credit cards and the scams online. Thanks for taking time reading my yada.... more

Resolved Question: is this a good laptop?

Resolved Question: What do you think of this email i just recieved from an old friend?

ATTORNEY's ADVICE - NO CHARGE Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! A corporate attorney sent the following out to the employees in his company. 1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.' 2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it. 3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. &nb sp;Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it. 4. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a Name, address, Social Security number, credit cards. Unfortunately, I, an attorney, have first hand knowledge because my wallet was stolen last month. Within a week, the thieve( s ) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN nu mber from DMV to change my driving record information online, and more. But here's some critical information to limit the damage in case this happens to you or someone you know: 5. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them. 6. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one). But here's what is perhaps most important of all: (I never even thought to do this.) 7. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an applicatio n for credit was made over the internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit. By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks. Now, here are the numbers you always need to contact about your wallet, if it has been stolen: 1.) Equifax: 1-800-525-6285 2.) Experian (formerly TRW): 1-888-397-3742 3.) Trans Union : 1-800-680 7289 4.) Social Security Administration (fraud line): 1-800-269-0271 more

Resolved Question: Where or who do I go 2 in tx if someone is using my SS & credit and I got bad credit now I cant do anything!!?

I live in San Antonio, texas, I'm 19 Ive never tried to use my name to get anything out, I'm just starting off. I wanted to open a bank account & they denied me! They told me to call some 1-800 number but its just machine after machine! Then I applied for a credit card & it said I had bad credit. When I go to those free credit report things online I fill everything out then it says they cannot show me my credit report that I need to call customer service & that never works either. I even went to the social security office and they said they cant help me! WHAT DO I DO?!?!?!?No I dont know anyone who can be doing this, i dont think its anyone I know. & with those freecreditreport.com things Ive tried two of them and they say the same thing that they can not show me my credit report?! more

Resolved Question: Where can i go online to get a free copy of my credit score?

i've was able to get a copy of my credit report online without using my debit card. is there a site that shows you your credit score without needing credit or debit card information for free? more

Resolved Question: itunes and other music stores question is it true that you need a credit card to geta itunes account?

if so what other legal music stores is there i know itunes,napster and puretracks . and napster has a 7 day trail so if i download music for 7 days and do like napster well they report me for geting free music i probably won't stop using napster if you don't need a credit card you can use gift cards right . and dose napster have a online store to buy music and it saves music to napster or my windows media player or my music folder more

Resolved Question: i need a free credit report online but....?

but i DO NOT have a credit card and all the ones i know ask for it! are there any places online i can go and it not need a credit card? more

Resolved Question: who the hell is credit smart?!!!!!!!?

i am getting so fuckin pissed off. im am trying to get a credit report. i been on the computer for hours trying to get one. i have credit!!!!! my mom screwed it over when i was younger. i just turned 18 and i do not have any credit card numbers. all off them ask for a credit card veriation number. anyway i can check it online with out a credit card? i need to work on ixin it cause i know it is messed up help me out. and do not say free credit report or annual credit report because they both ask for that more

Resolved Question: best credit card to use if...?

Ok, so Im a college student, a junior. I do have a student credit card from 1st financial bank usa, they have raised my limit once in the 2 years ive had it. I tried looking at my free credit report online but i didnt find it very helpful, didnt tell me if my credit was good or not. Just said i had one installment loan open(my 28000 college loan) and one revolving loan(my 1stfinancial credit card, 60% used). I have no inquiries and no delinquencies. I need the credit card to pay for a $2,500 student trip to Spain. I will be able to pay it off in 6 months, but the program requires the fee up front. Would my credit score be at least fair, and should I try to open a new student credit card, or just a regular one? and is it easy to get a limit of at least $3,000? my current one's limit is 1500...i said i was a student. there is not such thing as 2 part time jobs, i have school to go to. In the end, the actual amount i need will probably be more like, 1800 because i do have some money to put towards the trip. my current card gets above minumum paid each month, the only reason its so high is cuz i had to pay for school w it since i was short on money at the time. more

Resolved Question: is this a load of rubbish or is it safe to agree?

Version 2.1 (June 27, 2007) END USER LICENSE AGREEMENT NOTE TO USER: BEFORE YOU INSTALL, COPY OR OTHERWISE USE THE LICENSED SOFTWARE (AS DEFINED BELOW), CAREFULLY READ THE TERMS AND CONDITIONS OF THIS END USER LICENSE AGREEMENT AS WELL AS THE OTHER SIMILAR AGREEMENTS FOR THE THIRD PARTY SOFTWARE (AS DEFINED BELOW) THAT MAY BE BUNDLED WITH THE LICENSED SOFTWARE. BY INSTALLING, COPYING OR OTHERWISE USING THE LICENSED SOFTWARE, YOU ARE CONSENTING TO BE BOUND BY AND ARE BECOMING A PARTY TO THIS LEGALLY ENFORCEABLE AGREEMENT AS WELL AS THE OTHER SIMILAR THIRD PARTY SOFTWARE AGREEMENTS (INCLUDED HEREWITH). YOU ARE ALSO ACKNOWLEDING AND AGREEING THAT, UPON INSTALLATION OF THE LICENSED SOFTWARE, YOU WILL RECEIVE AND CONTINUE TO RECEIVE CONTEXTUAL POPUP AND CONTEXTUAL LINK ADVERTISING VIA HIGHLIGHTED LINKS. YOU MAY ALSO CHOOSE TO INSTALL (OR UNINSTALL) THIRD-PARTY SOFTWARE FROM SELECT ADVERTISERS. THE LICENSED SOFTWARE CAN BE UNINSTALLED UTILIZING THE “ADD/REMOVE PROGRAMS” COMMAND OF YOUR COMPUTER (SEE FURTHER INSTRUCTIONS BELOW). This End-User License Agreement (the “Agreement”) is an important legal agreement between you (the “Licensee”) and Danube International S.A., a Costa Rican corporation (“Licensor”). Licensor is willing to license the Licensed Software (as defined below) to you, provided that you agree to and accept all of the terms and conditions in this Agreement. IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT, DO NOT INSTALL THE LICENSED SOFTWARE. UPON INSTALLATION, YOUR USE OF THE LICENSED SOFTWARE IS SUBJECT TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. Special Notice for Non-English Speakers: The Licensed Software is suited primarily for the use of English speakers and, therefore, this Agreement is written in English and is addressed to English speakers. If you are not proficient in English and feel that you cannot properly understand this License Agreement, we recommend that you either retain the help of an English speaker to help you understand and accept the terms of this Agreement or, alternatively, refrain from installing or using the Licensed Software. In any event, if you choose to install or use the Licensed Software, you will be bound by this Agreement and the Privacy Policy incorporated herein. Special Notice for Residents of the State of Alaska, USA: Unfortunately, according to SB 140 (Alaska), persons who reside in the State of Alaska may not install the Licensed Software. Therefore, by installing or using the Licensed Software you represent and warrant that your computer is not located in the State of Alaska. To the extent that our system is reasonably able to recognize that your computer is located in the State of Alaska, we will not enable you to install the Licensed Software. Notice for All Users: By downloading the Licensed Software, you get free access to sponsored content across the Internet. The Licensed Software may, among other things, show you ads that pop up on your screen in a separate browser, provide you with a toolbar to make your use of the internet more efficient and enjoyable and allow you to access or otherwise link to programs from our affiliates. The pop-up ads that may appear on your computer are based on keywords and URL targets from the sites you visit. Please note that you will receive Adult-oriented ads if you utilize keywords related to such content or if you view Adult-oriented websites. The Licensed Software is a service of Licensor. 1. DEFINITIONS. The capitalized terms used but not otherwise defined in this Agreement shall have the following meanings: 1.1 “Agreement” or “License” means this End User License Agreement. 1.2 “Licensee” or “you” means the individual who agrees to license the Licensed Software in accordance with the terms and conditions of this Agreement. 1.3 “Licensed Software” means collectively the Software, Third Party Software and Updates. 1.4 “Third Party Software” means the software of third parties bundled together with the Software and/or made available to or installed by Licensee in connection with the installation, use and/or maintenance of the Software, which software includes or displays, without limitation, cookies and pop-up advertisements of third parties, or links to third-party websites not affiliated with Licensor. You may choose not to install Third Party Software or may uninstall such software using your “Add/Remove Software” function on your computer. Each company providing Third Party Software has its own agreements and privacy policies (or other policies) that may be different from this (Licensor’s) Agreement and Privacy Policy <http://dcads.biz/privacy.html>. By clicking “I Agree” you also agree to be bound by the Third Party Software Agreements that are included herewith. In the event of a conflict between a Third Party Software Agreement and this Agreement, this Agreement shall control with respect to Licensor’s obligations, duties or liability. 1.5 “Software” toolbar, contextual popup and contextual link applications installed by Licensee pursuant the terms of this Agreement, together with the software applications, documentation and local computer files installed or utilized by Licensee in connection therewith (excluding the Third Party Software), and all updates, modifications or patches thereof. 1.6 “Updates” means any bug fixes, upgrades, modified versions or updates to the Licensed Software. 1.7 "Use”, "Used" or "Using" means to access, install, download, copy or benefit from using the functionality of the Licensed Software 2. PERMISSION/AUTHORITY TO DOWNLOAD LICENSED SOFTWARE 2.1 Permission to Download Licensed Software. This Agreement contains important legal obligations. Pursuant to applicable laws including, without limitation, the Electronic Signature Law and Uniform Electronic Transactions Act (“UETA”), by clicking “I Agree”, Licensor will treat Licensee’s affirmative action as equivalent to a signed written contract that will legally bind Licensee to the terms of this Agreement. Licensee should carefully review the terms of this Agreement (as well as any Third Party Software Agreements included herewith) before clicking “I agree”. 2.2 Obligation to be Bound by Current Version of EULA. Licensor may revise this EULA or its Privacy Policy <file:///E:\Documents%20and%20Settings\jj\Local%20Settings\Temporary%20Internet%20Files\Content.IE5\WHYJKDQF\privacypolicy.html> at anytime, and may (but shall not be obligated) to notify Licensees of such revisions. By agreeing to the terms of this EULA, Licensee agrees to read and review this EULA and privacy policy in order to stay current on any changes. 3. SOFTWARE LICENSE AND RESTRICTIONS. 3.1 License Grant. Upon acceptance of the terms and conditions of this Agreement, as evidenced by clicking “I agree” and continuing with the installation procedure, Licensor grants Licensee a non-transferable, non-exclusive, revocable, non-sub licensable license to Use the Licensed Software, in binary executable form only, solely in accordance with the terms and conditions set forth in this Agreement. The Licensee agrees not to Use the Licensed Software in any manner that could damage, disable, overburden or impair the Licensed Software, including, without limitation, Using the Licensed Software in an automated manner or in any other manner which could interfere with any other party's use and enjoyment of the Licensed Software. 3.2 Restrictions. As a material condition to the license granted in Section 3.1 above, you will: (a) not reverse engineer, disassemble or decompile the Licensed Software or attempt to discover or recreate the source code to the Licensed Software, except as otherwise required by applicable law, (b) comply with all applicable laws, including U.S. export control laws, in your Use of the Licensed Software, (c) not make any modification, adaptation, improvement, enhancement, translation or derivative work of or to the Licensed Software, (d) not remove, alter or obscure any proprietary notices (including copyright notices) of Licensor or Licensor’s affiliates in the Licensed Software, (e) not Use the Licensed Software for purposes for which it is not designed, and (f) only Use the Licensed Software for personal, non-commercial use. 4. OWNER OF COMPUTER; ALL USERS BOUND; AGE LIMITATION. You represent and warrant either that you are the owner of the computer up which you intend to download the Licensed Software and that you have authorized the download and installation of the Licensed Software or that the owner of the computer has authorized you to do so. You agree, with respect to all users of the computer on which you have caused the Licensed Software to reside, to provide a copy of these terms and conditions and to obtain their consent to these terms and conditions before allowing them to Use the Licensed Software. Alternatively, if you have the legal right to accept this Agreement on behalf of one or more users of the computer on which you have caused or authorized the Licensed Software to reside, then you hereby accept this Agreement on behalf of all such other users. You understand that the presence of the Licensed Software on any computer is voluntary and that you may remove it at any time. You must be at least 18 years of age to Use the Licensed Software. By accepting the terms of this Agreement and Using the Licensed Software you represent that you are over the age of 18. 5. IMPORTANT INFORMATION REGARDING FUNCTIONALITY OF LICENSED SOFTWARE. 5.1 Functionality. Certain applications in the Licensed Software recognize keywords from your Internet browser and URL targets from the sites you visit to display relevant contextual advertisements. These advertisements may be displayed on your computer screen at any time while you are searching and shopping online (and not necessarily while you are using any product or service related to or downloaded with the Licensed Software) and pop-up on your screen in a separate browser. The Licensed Software gathers and stores personal identifiable information and records concerning your Internet browsing behavior. Please refer to Section 10 (below) for further information about Licensor’s privacy policies. 5.2. Display of Advertising. The Licensed Software starts automatically when you start your computer, runs in the background on your computer, and may periodically direct you to our sponsors' websites. By installing and/or using the Licensed Software you grant permission for Licensor to periodically display sponsors' websites to you. The frequency of these advertisements (which will pop up on your screen in a separate browser) will vary depending on your use of the Internet. Please note that you will receive Adult-oriented ads if you utilize keywords related to such content or if you view Adult-oriented websites. On occasion, you may search for a website and receive an error from your browser software indicating that the site cannot be found. When this occurs, the Software includes a function that may redirect your web browser to our sponsor's websites based on the content of the website address, or URL, which you entered. You hereby consent to these actions. Content Licensor considers “Adult” is defined as any audio, video, audiovisual, images, sounds or text that contain or reference any of the following: profanity, crude or off-color humor, violence, blood and gore, weapons, use of alcohol, drugs, tobacco or other controlled substances, online gambling, pornography, erotica, erotic images, nudity, sex, sexually explicit images, and sexual references. 6. INTELLECTUAL PROPERTY RIGHTS. The Licensed Software is the intellectual property of, and owned exclusively by, Licensor, its affiliates or suppliers or the companies that own or control the Third Party Software. The structure, organization and code of the Licensed Software are the valuable trade secrets and confidential information of Licensor, its suppliers or affiliates or the companies that own or control the Third Party Software. The Licensed Software is protected by copyright, including without limitation by United States copyright law, international treaty provisions and applicable laws in the country in which it is being used. Except as expressly stated herein, this Agreement does not grant you any intellectual property rights in the Licensed Software, and all rights not expressly granted are reserved by Licensor and its affiliates or suppliers. 7. UNINSTALLATION. You understand and agree that the presence of the Licensed Software on your computer is voluntary and that you may remove the Licensed Software from your computer at any time going to the “Add/Remove Software” function on your computer and clicking “Remove Software”. The program name for the software is Browser Optimizer Dcads. Should you choose to download additional software from Licensor’s affiliates or advertisers, those programs may be named differently and require you to remove them separately. Please note that the above is the only proper way to ensure complete removal of all Licensed Software files - many anti-spyware or other software tools do not completely or properly remove the Licensed Software. Some Internet content and software publishers require that their users have certain of the Licensed Software installed on their computer in order to access their content or use their software applications ("Content Providers"). Uninstallation of such Licensed Software may impact your ability to access such content and/or use such software. You may be required to restart your computer in order for the uninstallation to take effect. Should you have any questions regarding the removal of the Licensed Software, please contact <removal@dcads.biz <sendto:removal@dcads.biz>>. 8. UPDATES. Licensor, in its sole discretion, may provide you with Updates to the Licensed Software as part of this Agreement. The Licensed Software may check with Licensor or its affiliates for the existence of any Update released and, in the event that one is available, the Licensed Software may update itself automatically or prompt you to update the Software. Nothing herein shall be construed or interpreted as requiring that Licensor provide Updates. The companies that own or control the Third Party Software may also provide you with Updates to their Licensed Software. Licensor has no control and accepts no liability for Updates that may (or may not) be provided for the Third Party Software. 9. DISCLAIMER OF WARRANTIES AND REMEDIES; INDEMNITY. 9.1 No Warranty; Disclaimer. YOUR USE OF THE LICENSED SOFTWARE IS AT YOUR SOLE RISK. THE LICENSED SOFTWARE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. LICENSOR, ITS AFFILIATES OR SUPPLIERS, AND THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. LICENSOR, AND ITS AFFILIATES AND SUPPLIERS, MAKE NO WARRANTY THAT (i) THE LICENSED SOFTWARE WILL MEET YOUR REQUIREMENTS, (ii) THE LICENSED SOFTWARE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE LICENSED SOFTWARE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE LICENSED SOFTWARE WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE LICENSED SOFTWARE WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE LICENSED SOFTWARE IS OBTAINED AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LICENSOR OR THROUGH OR FROM THE LICENSED SOFTWARE SHALL CREATE ANY WARRANTY. LICENSOR IS NOT RESPONSIBLE FOR CONTENT HOSTED BY CONTENT PROVIDERS. 9.2 Limitation of Damages. LICENSOR, ITS AFFILIATES OR SUPPLIERS, OR THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE WILL NOT HAVE ANY LIABILITY FOR, AND YOU HEREBY RELEASE LICENSOR, ITS AFFILIATES AND SUPPLIERS AND THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE FROM ANY, LIABILITY (WHETHER IN CONTRACT, WARRANTY, TORT, NEGLIGENCE OR OTHERWISE) FOR ANY DAMAGES SUSTAINED BY YOU ARISING FROM THE USE OR INABILITY TO USE THE LICENSED SOFTWARE, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR LOSS OF DATA, SAVINGS, OR PROFITS OR THE COST OF PROCURING SUBSTITUTE GOODS, EVEN IF LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL LICENSOR’S ENTIRE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT EXCEED $100.00. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 9.3 Indemnity. Licensee agrees to indemnify, defend, and hold Licensor and all of the directors, officers, shareholders, affiliates, employees, and agents of Licensor (collectively referred to as "Licensor’s Agents") harmless against and in respect to any and all claims, demands, losses, costs, expenses, obligations, liabilities, damages, recoveries, and deficiencies, including interest, penalties, expert witness fees, and reasonable attorneys' fees that Licensor, Licensor’s Agents and the companies that own or control the Third Party Software shall incur or suffer, which arise, result from, or in any way relate to: (a) any breach of, or failure by Licensee to perform any of the representations, warranties, covenants or agreements in this Agreement; (b) Licensee’s violation of any applicable law or regulation, whether or not referenced herein; and (c) Licensee’s violation of any rights of any third party (including, without limitation, the right of the third parties who own the Third Party Software). 10. USE OF INFORMATION; PRIVACY POLICY. 10.1 Use of Information. By entering into this Agreement, Licensee agrees that Licensor may collect and retain information about Licensee, including Licensee’s name and email address. Licensor may employ other companies and individuals to perform these functions on its behalf. Examples may include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance and processing credit card payments. These third parties may be given access to personal information needed to perform their functions, but may not use it for other purposes. In addition, Licensor will collect and use anonymous information relating to your use of the Licensed Software application for statistical and related purposes. Licensor may disclose the information to third parties for these purposes but will not use or disclose information about your use of the Licensed Software for any other purpose (unless required to do so by law). Licensor may keep track of your Internet history in order to customize the advertisements provided to you as part of the Licensed Software. 10.2 Privacy Policy. Without limiting the generality of Section 10.1, by installing the Licensed Software, you grant permission for Licensor to collect and use certain information. You acknowledge that you have reviewed the applicable Licensor Privacy Policy, which describes Licensor’s general practices with respect to the collection, use and disclosure of information in connection with your Use of the Licensed Software, which is incorporated herein by reference. Licensor reserves the right to change the provisions of its Privacy Policy from time to time. Your Use of the Licensed Software following the posting of such changes to Licensor’s Privacy Policy will constitute your acceptance of any such changes. Licensor does not make any and hereby disclaims to the maximum extent allowed by law any and all covenants, representations and warranties with respect to its compliance with the statements of intent contained in Licensor's privacy policy. 11. COMPATIBILITY. Licensor does not warrant that the Licensed Software will be compatible with your hardware or other software installed on your computer system. Compatibility issues may cause your computer's performance to suffer. In the event that the Licensed Software is not compatible with your hardware or other software installed on your computer system, the Licensed Software can be uninstalled as provided in Section 7, above. Like all software, the Licensed Software utilizes some of your computer's resources to run, including system memory and Internet connection. Use of the Licensed Software on a computer with inadequate system resources will cause such computer's performance to suffer. 12. USER REPRESENTATIONS AND WARRANTIES. You acknowledge, represent and warrant that: (a) you own the computer on which you are installing the Licensed Software, or have the authority to install the Licensed Software on such computer; (b) your installation and/or Use of the Licensed Software will not violate any local, state or federal laws that apply to you, or the Use or installation of the Licensed Software; (c) Licensor is not causing the Licensed Software to be installed on your computer, but has provided the Licensed Software to you, which you are installing of your own volition; and (d) you have read and fully understand the terms of this Agreement. 13. EXPORT. You agree that the Licensed Software may not be acquired, shipped, transported, exported, or re-exported (A) into (or to a national or resident of) any U.S. embargoed country or (B) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce's Table of Denial Orders. By using the Licensed Software, you represent and warrant that you are not located in, under control of, or a national or resident of any such country or on any such list. 14. MISCELLANEOUS. 14.1 Entire Agreement. This Agreement and any Third Party Software Agreement set forth the entire understanding of the parties with respect to the subject matter hereof. There are no representations, warranties, agreements, arrangements or understandings, oral or written, between the parties relating to this Agreement which are not fully expressed in this Agreement. No waiver, amendment or modification of any of the terms of this Agreement shall be effective unless in writing and signed by the party affected by the waiver, amendment or modification; provided, however, that that Licensor may unilaterally amend or modify this Agreement or a company that owns or controls Third Party Software may modify their Third Party Software Agreement at any time and you shall have notice of these changes by reference to the Version number of this document and the effective date for such version (or the Third Party Software Agreement may be amended according to that company’s particular policies). Further, no waiver of any term, condition or default of any term of this Agreement shall be construed as a waiver of any other term, condition or default. In the event of a conflict between this Agreement and any Third Party Agreement with respect to the use of the Licensed Software and the obligations, duties or liability of Licensor, this Agreement shall control notwithstanding such conflicting language. 14.2 Severability. In the event that any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable, the validity of the remaining provisions shall not be affected, and the rights and obligations of the parties shall be construed and enforced as if the Agreement did not contain the particular provisions held to be unenforceable and the unenforceable provisions shall be replaced by mutually acceptable provisions which, being valid, legal and enforceable, come closest to the intention of the parties underlying the invalid or unenforceable provision. 14.3 Governing Law and Venue. This Agreement and each and every portion of this Agreement shall be interpreted pursuant to the internal laws of the Country of Costa Rica, without giving effect to the principles of conflict of laws. Each of the parties hereby irrevocably and unconditionally agrees to the exclusive jurisdiction of any court located in Cost Rica for any actions, suits or proceedings arising out of or relating to this Agreement (and the parties each agree not to commence any action, suit or proceeding relating thereto except in such courts and not to plead or claim that any such court is an inconvenient or otherwise improper or inappropriate forum). 14.4 Injunctive Relief. Licensee acknowledges that the injury that would be suffered by Licensor as a result of a breach of the provisions of this Agreement by Licensee would be irreparable and that an award of monetary damages to Licensor for such a breach would be an inadequate remedy. Consequently, Licensor will have the right, in addition to any other rights it may have, to obtain injunctive relief to restrain any breach or threatened breach or otherwise to specifically enforce any provision of this Agreement, and Licensor will not be obligated to post bond or other security in seeking such relief Should you have any questions concerning this Agreement, or if you wish to contact Licensor for any reason, please e-mail us at dcads.biz <sendto:info@dcads.biz>. SuperiorAds.Biz - (If applicable)* Version 2.1 (June 27, 2007) END USER LICENSE AGREEMENT NOTE TO USER: BEFORE YOU INSTALL, COPY OR OTHERWISE USE THE LICENSED SOFTWARE (AS DEFINED BELOW), CAREFULLY READ THE TERMS AND CONDITIONS OF THIS END USER LICENSE AGREEMENT AS WELL AS THE OTHER SIMILAR AGREEMENTS FOR THE THIRD PARTY SOFTWARE (AS DEFINED BELOW) THAT MAY BE BUNDLED WITH THE LICENSED SOFTWARE. BY INSTALLING, COPYING OR OTHERWISE USING THE LICENSED SOFTWARE, YOU ARE CONSENTING TO BE BOUND BY AND ARE BECOMING A PARTY TO THIS LEGALLY ENFORCEABLE AGREEMENT AS WELL AS THE OTHER SIMILAR THIRD PARTY SOFTWARE AGREEMENTS (INCLUDED HEREWITH). YOU ARE ALSO ACKNOWLEDING AND AGREEING THAT, UPON INSTALLATION OF THE LICENSED SOFTWARE, YOU WILL RECEIVE AND CONTINUE TO RECEIVE CONTEXTUAL POPUP AND CONTEXTUAL LINK ADVERTISING VIA HIGHLIGHTED LINKS. YOU MAY ALSO CHOOSE TO INSTALL (OR UNINSTALL) THIRD-PARTY SOFTWARE FROM SELECT ADVERTISERS. THE LICENSED SOFTWARE CAN BE UNINSTALLED UTILIZING THE “ADD/REMOVE PROGRAMS” COMMAND OF YOUR COMPUTER (SEE FURTHER INSTRUCTIONS BELOW). This End-User License Agreement (the “Agreement”) is an important legal agreement between you (the “Licensee”) and Danube International inc., a Costa Rican corporation (“Licensor”). Licensor is willing to license the Licensed Software (as defined below) to you, provided that you agree to and accept all of the terms and conditions in this Agreement. IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT, DO NOT INSTALL THE LICENSED SOFTWARE. UPON INSTALLATION, YOUR USE OF THE LICENSED SOFTWARE IS SUBJECT TO THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. Special Notice for Non-English Speakers: The Licensed Software is suited primarily for the use of English speakers and, therefore, this Agreement is written in English and is addressed to English speakers. If you are not proficient in English and feel that you cannot properly understand this License Agreement, we recommend that you either retain the help of an English speaker to help you understand and accept the terms of this Agreement or, alternatively, refrain from installing or using the Licensed Software. In any event, if you choose to install or use the Licensed Software, you will be bound by this Agreement and the Privacy Policy incorporated herein. Special Notice for Residents of the State of Alaska, USA: Unfortunately, according to SB 140 (Alaska), persons who reside in the State of Alaska may not install the Licensed Software. Therefore, by installing or using the Licensed Software you represent and warrant that your computer is not located in the State of Alaska. To the extent that our system is reasonably able to recognize that your computer is located in the State of Alaska, we will not enable you to install the Licensed Software. Notice for All Users: By downloading the Licensed Software, you get free access to sponsored content across the Internet. The Licensed Software may, among other things, show you ads that pop up on your screen in a separate browser, provide you with a toolbar to make your use of the internet more efficient and enjoyable and allow you to access or otherwise link to programs from our affiliates. The pop-up ads that may appear on your computer are based on keywords and URL targets from the sites you visit. Please note that you will receive Adult-oriented ads if you utilize keywords related to such content or if you view Adult-oriented websites. The Licensed Software is a service of Licensor. 1. DEFINITIONS. The capitalized terms used but not otherwise defined in this Agreement shall have the following meanings: 1.1 “Agreement” or “License” means this End User License Agreement. 1.2 “Licensee” or “you” means the individual who agrees to license the Licensed Software in accordance with the terms and conditions of this Agreement. 1.3 “Licensed Software” means collectively the Software, Third Party Software and Updates. 1.4 “Third Party Software” means the software of third parties bundled together with the Software and/or made available to or installed by Licensee in connection with the installation, use and/or maintenance of the Software, which software includes or displays, without limitation, cookies and pop-up advertisements of third parties, or links to third-party websites not affiliated with Licensor. You may choose not to install Third Party Software or may uninstall such software using your “Add/Remove Software” function on your computer. Each company providing Third Party Software has its own agreements and privacy policies (or other policies) that may be different from this (Licensor’s) Agreement and Privacy Policy . By clicking “I Agree” you also agree to be bound by the Third Party Software Agreements that are included herewith. In the event of a conflict between a Third Party Software Agreement and this Agreement, this Agreement shall control with respect to Licensor’s obligations, duties or liability. 1.5 “Software” toolbar, contextual popup and contextual link applications installed by Licensee pursuant the terms of this Agreement, together with the software applications, documentation and local computer files installed or utilized by Licensee in connection therewith (excluding the Third Party Software), and all updates, modifications or patches thereof. 1.6 “Updates” means any bug fixes, upgrades, modified versions or updates to the Licensed Software. 1.7 "Use”, "Used" or "Using" means to access, install, download, copy or benefit from using the functionality of the Licensed Software 2. PERMISSION/AUTHORITY TO DOWNLOAD LICENSED SOFTWARE 2.1 Permission to Download Licensed Software. This Agreement contains important legal obligations. Pursuant to applicable laws including, without limitation, the Electronic Signature Law and Uniform Electronic Transactions Act (“UETA”), by clicking “I Agree”, Licensor will treat Licensee’s affirmative action as equivalent to a signed written contract that will legally bind Licensee to the terms of this Agreement. Licensee should carefully review the terms of this Agreement (as well as any Third Party Software Agreements included herewith) before clicking “I agree”. 2.2 Obligation to be Bound by Current Version of EULA. Licensor may revise this EULA or its Privacy Policy at anytime, and may (but shall not be obligated) to notify Licensees of such revisions. By agreeing to the terms of this EULA, Licensee agrees to read and review this EULA and privacy policy in order to stay current on any changes. 3. SOFTWARE LICENSE AND RESTRICTIONS. 3.1 License Grant. Upon acceptance of the terms and conditions of this Agreement, as evidenced by clicking “I agree” and continuing with the installation procedure, Licensor grants Licensee a non-transferable, non-exclusive, revocable, non-sub licensable license to Use the Licensed Software, in binary executable form only, solely in accordance with the terms and conditions set forth in this Agreement. The Licensee agrees not to Use the Licensed Software in any manner that could damage, disable, overburden or impair the Licensed Software, including, without limitation, Using the Licensed Software in an automated manner or in any other manner which could interfere with any other party's use and enjoyment of the Licensed Software. 3.2 Restrictions. As a material condition to the license granted in Section 3.1 above, you will: (a) not reverse engineer, disassemble or decompile the Licensed Software or attempt to discover or recreate the source code to the Licensed Software, except as otherwise required by applicable law, (b) comply with all applicable laws, including U.S. export control laws, in your Use of the Licensed Software, (c) not make any modification, adaptation, improvement, enhancement, translation or derivative work of or to the Licensed Software, (d) not remove, alter or obscure any proprietary notices (including copy notices) of Licensor or Licensor’s affiliates in the Licensed Software, (e) not Use the Licensed Software for purposes for which it is not designed, and (f) only Use the Licensed Software for personal, non-commercial use. 4. OWNER OF COMPUTER; ALL USERS BOUND; AGE LIMITATION. You represent and warrant either that you are the owner of the computer up which you intend to download the Licensed Software and that you have authorized the download and installation of the Licensed Software or that the owner of the computer has authorized you to do so. You agree, with respect to all users of the computer on which you have caused the Licensed Software to reside, to provide a copy of these terms and conditions and to obtain their consent to these terms and conditions before allowing them to Use the Licensed Software. Alternatively, if you have the legal right to accept this Agreement on behalf of one or more users of the computer on which you have caused or authorized the Licensed Software to reside, then you hereby accept this Agreement on behalf of all such other users. You understand that the presence of the Licensed Software on any computer is voluntary and that you may remove it at any time. You must be at least 18 years of age to Use the Licensed Software. By accepting the terms of this Agreement and Using the Licensed Software you represent that you are over the age of 18. 5. IMPORTANT INFORMATION REGARDING FUNCTIONALITY OF LICENSED SOFTWARE. 5.1 Functionality. Certain applications in the Licensed Software recognize keywords from your Internet browser and URL targets from the sites you visit to display relevant contextual advertisements. These advertisements may be displayed on your computer screen at any time while you are searching and shopping online (and not necessarily while you are using any product or service related to or downloaded with the Licensed Software) and pop-up on your screen in a separate browser. The Licensed Software gathers and stores personal identifiable information and records concerning your Internet browsing behavior. Please refer to Section 10 (below) for further information about Licensor’s privacy policies. 5.2. Display of Advertising. The Licensed Software starts automatically when you start your computer, runs in the background on your computer, and may periodically direct you to our sponsors' websites. By installing and/or using the Licensed Software you grant permission for Licensor to periodically display sponsors' websites to you. The frequency of these advertisements (which will pop up on your screen in a separate browser) will vary depending on your use of the Internet. Please note that you will receive Adult-oriented ads if you utilize keywords related to such content or if you view Adult-oriented websites. On occasion, you may search for a website and receive an error from your browser software indicating that the site cannot be found. When this occurs, the Software includes a function that may redirect your web browser to our sponsor's websites based on the content of the website address, or URL, which you entered. You hereby consent to these actions. Content Licensor considers “Adult” is defined as any audio, video, audiovisual, images, sounds or text that contain or reference any of the following: profanity, crude or off-color humor, violence, blood and gore, weapons, use of alcohol, drugs, tobacco or other controlled substances, online gambling, pornography, erotica, erotic images, nudity, sex, sexually explicit images, and sexual references. 6. INTELLECTUAL PROPERTY RIGHTS. The Licensed Software is the intellectual property of, and owned exclusively by, Licensor, its affiliates or suppliers or the companies that own or control the Third Party Software. The structure, organization and code of the Licensed Software are the valuable trade secrets and confidential information of Licensor, its suppliers or affiliates or the companies that own or control the Third Party Software. The Licensed Software is protected by copyright, including without limitation by United States copyright law, international treaty provisions and applicable laws in the country in which it is being used. Except as expressly stated herein, this Agreement does not grant you any intellectual property rights in the Licensed Software, and all rights not expressly granted are reserved by Licensor and its affiliates or suppliers. 7. UNINSTALLATION. You understand and agree that the presence of the Licensed Software on your computer is voluntary and that you may remove the Licensed Software from your computer at any time going to the “Add/Remove Software” function on your computer and clicking “Remove Software”. The program name for the software is Browser Optimizer SuperiorAds. Should you choose to download additional software from Licensor’s affiliates or advertisers, those programs may be named differently and require you to remove them separately. Please note that the above is the only proper way to ensure complete removal of all Licensed Software files - many anti-spyware or other software tools do not completely or properly remove the Licensed Software. Some Internet content and software publishers require that their users have certain of the Licensed Software installed on their computer in order to access their content or use their software applications ("Content Providers"). Uninstallation of such Licensed Software may impact your ability to access such content and/or use such software. You may be required to restart your computer in order for the uninstallation to take effect. Should you have any questions regarding the removal of the Licensed Software, please contact removal@dcads.biz or removal@rightonads.biz. 8. UPDATES. Licensor, in its sole discretion, may provide you with Updates to the Licensed Software as part of this Agreement. The Licensed Software may check with Licensor or its affiliates for the existence of any Update released and, in the event that one is available, the Licensed Software may update itself automatically or prompt you to update the Software. Nothing herein shall be construed or interpreted as requiring that Licensor provide Updates. The companies that own or control the Third Party Software may also provide you with Updates to their Licensed Software. Licensor has no control and accepts no liability for Updates that may (or may not) be provided for the Third Party Software. 9. DISCLAIMER OF WARRANTIES AND REMEDIES; INDEMNITY. 9.1 No Warranty; Disclaimer. YOUR USE OF THE LICENSED SOFTWARE IS AT YOUR SOLE RISK. THE LICENSED SOFTWARE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. LICENSOR, ITS AFFILIATES OR SUPPLIERS, AND THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. LICENSOR, AND ITS AFFILIATES AND SUPPLIERS, MAKE NO WARRANTY THAT (i) THE LICENSED SOFTWARE WILL MEET YOUR REQUIREMENTS, (ii) THE LICENSED SOFTWARE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE LICENSED SOFTWARE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE LICENSED SOFTWARE WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE LICENSED SOFTWARE WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE LICENSED SOFTWARE IS OBTAINED AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LICENSOR OR THROUGH OR FROM THE LICENSED SOFTWARE SHALL CREATE ANY WARRANTY. LICENSOR IS NOT RESPONSIBLE FOR CONTENT HOSTED BY CONTENT PROVIDERS. 9.2 Limitation of Damages. LICENSOR, ITS AFFILIATES OR SUPPLIERS, OR THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE WILL NOT HAVE ANY LIABILITY FOR, AND YOU HEREBY RELEASE LICENSOR, ITS AFFILIATES AND SUPPLIERS AND THE COMPANIES THAT OWN OR CONTROL THE THIRD PARTY SOFTWARE FROM ANY, LIABILITY (WHETHER IN CONTRACT, WARRANTY, TORT, NEGLIGENCE OR OTHERWISE) FOR ANY DAMAGES SUSTAINED BY YOU ARISING FROM THE USE OR INABILITY TO USE THE LICENSED SOFTWARE, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR LOSS OF DATA, SAVINGS, OR PROFITS OR THE COST OF PROCURING SUBSTITUTE GOODS, EVEN IF LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL LICENSOR’S ENTIRE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT EXCEED $100.00. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 9.3 Indemnity. Licensee agrees to indemnify, defend, and hold Licensor and all of the directors, officers, shareholders, affiliates, employees, and agents of Licensor (collectively referred to as "Licensor’s Agents") harmless against and in respect to any and all claims, demands, losses, costs, expenses, obligations, liabilities, damages, recoveries, and deficiencies, including interest, penalties, expert witness fees, and reasonable attorneys' fees that Licensor, Licensor’s Agents and the companies that own or control the Third Party Software shall incur or suffer, which arise, result from, or in any way relate to: (a) any breach of, or failure by Licensee to perform any of the representations, warranties, covenants or agreements in this Agreement; (b) Licensee’s violation of any applicable law or regulation, whether or not referenced herein; and (c) Licensee’s violation of any rights of any third party (including, without limitation, the right of the third parties who own the Third Party Software). 10. USE OF INFORMATION; PRIVACY POLICY. 10.1 Use of Information. By entering into this Agreement, Licensee agrees that Licensor may collect and retain information about Licensee, including Licensee’s name and email address. Licensor may employ other companies and individuals to perform these functions on its behalf. Examples may include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance and processing credit card payments. These third parties may be given access to personal information needed to perform their functions, but may not use it for other purposes. In addition, Licensor will collect and use anonymous information relating to your use of the Licensed Software application for statistical and related purposes. Licensor may disclose the information to third parties for these purposes but will not use or disclose information about your use of the Licensed Software for any other purpose (unless required to do so by law). Licensor may keep track of your Internet history in order to customize the advertisements provided to you as part of the Licensed Software. 10.2 Privacy Policy. Without limiting the generality of Section 10.1, by installing the Licensed Software, you grant permission for Licensor to collect and use certain information. You acknowledge that you have reviewed the applicable Licensor Privacy Policy, which describes Licensor’s general practices with respect to the collection, use and disclosure of information in connection with your Use of the Licensed Software, which is incorporated herein by reference. Licensor reserves the right to change the provisions of its Privacy Policy from time to time. Your Use of the Licensed Software following the posting of such changes to Licensor’s Privacy Policy will constitute your acceptance of any such changes. Licensor does not make any and hereby disclaims to the maximum extent allowed by law any and all covenants, representations and warranties with respect to its compliance with the statements of intent contained in Licensor's privacy policy. 11. COMPATIBILITY. Licensor does not warrant that the Licensed Software will be compatible with your hardware or other software installed on your computer system. Compatibility issues may cause your computer's performance to suffer. In the event that the Licensed Software is not compatible with your hardware or other software installed on your computer system, the Licensed Software can be uninstalled as provided in Section 7, above. Like all software, the Licensed Software utilizes some of your computer's resources to run, including system memory and Internet connection. Use of the Licensed Software on a computer with inadequate system resources will cause such computer's performance to suffer. 12. USER REPRESENTATIONS AND WARRANTIES. You acknowledge, represent and warrant that: (a) you own the computer on which you are installing the Licensed Software, or have the authority to install the Licensed Software on such computer; (b) your installation and/or Use of the Licensed Software will not violate any local, state or federal laws that apply to you, or the Use or installation of the Licensed Software; (c) Licensor is not causing the Licensed Software to be installed on your computer, but has provided the Licensed Software to you, which you are installing of your own volition; and (d) you have read and fully understand the terms of this Agreement. 13. EXPORT. You agree that the Licensed Software may not be acquired, shipped, transported, exported, or re-exported (A) into (or to a national or resident of) any U.S. embargoed country or (B) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce's Table of Denial Orders. By using the Licensed Software, you represent and warrant that you are not located in, under control of, or a national or resident of any such country or on any such list. 14. MISCELLANEOUS. 14.1 Entire Agreement. This Agreement and any Third Party Software Agreement set forth the entire understanding of the parties with respect to the subject matter hereof. There are no representations, warranties, agreements, arrangements or understandings, oral or written, between the parties relating to this Agreement which are not fully expressed in this Agreement. No waiver, amendment or modification of any of the terms of this Agreement shall be effective unless in writing and signed by the party affected by the waiver, amendment or modification; provided, however, that that Licensor may unilaterally amend or modify this Agreement or a company that owns or controls Third Party Software may modify their Third Party Software Agreement at any time and you shall have notice of these changes by reference to the Version number of this document and the effective date for such version (or the Third Party Software Agreement may be amended according to that company’s particular policies). Further, no waiver of any term, condition or default of any term of this Agreement shall be construed as a waiver of any other term, condition or default. In the event of a conflict between this Agreement and any Third Party Agreement with respect to the use of the Licensed Software and the obligations, duties or liability of Licensor, this Agreement shall control notwithstanding such conflicting language. 14.2 Severability. In the event that any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable, the validity of the remaining provisions shall not be affected, and the rights and obligations of the parties shall be construed and enforced as if the Agreement did not contain the particular provisions held to be unenforceable and the unenforceable provisions shall be replaced by mutually acceptable provisions which, being valid, legal and enforceable, come closest to the intention of the parties underlying the invalid or unenforceable provision. 14.3 Governing Law and Venue. This Agreement and each and every portion of this Agreement shall be interpreted pursuant to the internal laws of the Country of Costa Rica, without giving effect to the principles of conflict of laws. Each of the parties hereby irrevocably and unconditionally agrees to the exclusive jurisdiction of any court located in Cost Rica for any actions, suits or proceedings arising out of or relating to this Agreement (and the parties each agree not to commence any action, suit or proceeding relating thereto except in such courts and not to plead or claim that any such court is an inconvenient or otherwise improper or inappropriate forum). 14.4 Injunctive Relief. Licensee acknowledges that the injury that would be suffered by Licensor as a result of a breach of the provisions of this Agreement by Licensee would be irreparable and that an award of monetary damages to Licensor for such a breach would be an inadequate remedy. Consequently, Licensor will have the right, in addition to any other rights it may have, to obtain injunctive relief to restrain any breach or threatened breach or otherwise to specifically enforce any provision of this Agreement, and Licensor will not be obligated to post bond or other security in seeking such relief. Should you have any questions concerning this Agreement, or if you wish to contact Licensor for any reason, please e-mail us at info@dcads.biz or info@superiorads.biz. webHancer Customer Companion - (If applicable)* Terms and Conditions of Installing the webHancer Customer Companion (the "Software"). IMPORTANT NOTICE: THIS SOFTWARE RELAYS YOUR WEB SURFING PERFORMANCE METRICS TO WEBHANCER CORP. TO GENERATE PERFORMANCE REPORTS FOR THIRD PARTIES. AS SUCH, YOUR INTERNET CONNECTION WILL BE USED PERIODICALLY TO SEND AND RECEIVE DATA. WE RESPECT OUR CUSTOMERS PRIVACY. THE WEBHANCER PRIVACY POLICY (available at: http://www.webhancer.com/privacy) FORMS PART OF THIS AGREEMENT. BY AGREEING TO THE TERMS OF THIS AGREEMENT, YOU ALSO CONSENT TO THE TERMS OF THE WEBHANCER PRIVACY POLICY, INCLUDING, WITHOUT LIMITATION, THE COLLECTION, USE AND DISCLOSURE OF INFORMATION AS SET OUT THEREIN. IF YOU DO NOT AGREE TO THE TERMS OF THE WEBHANCER PRIVACY POLICY, DO NOT INSTALL THIS SOFTWARE. THIS SOFTWARE SUPPORTS WINDOWS 98/2000/ME/XP and WINDOWS NT 4.0 Service Pack 4 and higher (EXCLUDING WINDOWS TERMINAL SERVER AND WINDOWS 2000 WITH TERMINAL SERVICES ENABLED). THIS IS A LICENSE, NOT A SALE. THIS END USER LICENSE AGREEMENT ("AGREEMENT") IS A LEGAL CONTRACT BETWEEN YOU AND WEBHANCER CORP. ("WEBHANCER") FOR THE CUSTOMER COMPANION SOFTWARE (THE 'SOFTWARE'). THIS SOFTWARE WILL MAKE USE OF YOUR INTERNET CONNECTION. YOU ARE SOLELY RESPONSIBLE FOR ANY AND ALL NETWORK USAGE COSTS OR ANY OTHER COSTS ASSOCIATED WITH YOUR USE OF THE SOFTWARE. BY DOWNLOADING, INSTALLING OR USING THE SOFTWARE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, UNINSTALL, AND DO NOT USE THE SOFTWARE. WEBHANCER grants to you a non-exclusive, non-transferable and restricted license to use the Software on a single computer for your internal use, subject to the terms and conditions of this Agreement. You may make and distribute unlimited copies of the Software, excluding copies for commercial distribution, as long as each copy that you distribute is distributed subject to this agreement. more

Resolved Question: Free credit report?

I live in the UK and need a free credit report, if possible online, or via post, but ASAP. I will not put my credit card details into any site online, but I will registed, and don't mind putting my address. Please if you have ever used one, answer this question! I need this quite quickly. Thanks. I WILL give ten points to the best answer. more

Resolved Question: Please help!! I need a Free Credit Report?

Where can I get a completely free credit report at online?? I'm moving into my own place, but I've never had a credit card before.. they want me to submit a credit report by today, but everyone web site I go to asks for a credit card. The landlord already knows I've never had a credit card, and I'm guaranteed the place, because its a family friend, but I need to somehow get them a credit report for their records. Please help!! more

Resolved Question: Free Credit Reports?

I am needing an online credit report, but refuse to offer my credit card number to those people. Is there a website that I can get my credit report without having any financial obligation to them? more

Resolved Question: How do I find out about free credit reports?

I need to find out about free credit reports without having to give credit card infomation online. more

Resolved Question: Credit Report?

I was wondering how can I get a free crdit report. I go online and they want to charge you. I wan a free one. I dont have any creit cards and I need to check out my credit. Can someone tell me a web site that give free credit reports. Also how can I fix my credit? I have stuff on there thats been paid, how can I get those off and the ones when people or companies check your credit. In my old one I dont know have them companies that checked my credit. Please let me know more

Resolved Question: I was dumb and did one of those online surveys and I need to find a way to contact them.?

The site is called CheckOutPath.net and I want to let people know that if you decide to answer any of their questions or give them your info they will not give you anything. I gave them my home address for a free offer and I had to sign up for their offers to recieve the certificate. The certificate never showed up and when I completed their offers and gave my credit card info. I am trying to find a way to contact this company to find out why they do this to people and that I should get this certificate now because of how they rip people off. If anyone knows how to find this company or report them I would appreciate the help. I am now contacting my bank to dispute the items purchased. more

Resolved Question: totally free credit report no credit cards needed online print-outs?

Resolved Question: where on line can you get a free credit report or score without credit card info?

credit scores or reports say free but the trial needs credit card info , is there one online that dosent? more

Resolved Question: where online may i obtain a copy of my credit report for free?

that is to say...without needing a credit card or credit card info...i cant find any. i just want the straight deal. i havent reviewed my credit in years, can i do anything about this online??? more

Resolved Question: Where can i go online to get a Free Credit Report?

Where can i go online to get a Free Credit Report without using a credit card or having to pay.. I'am needing my credit score ASAP without paying more

Resolved Question: need to know how to get a free credit report?

i got a call from a telemarketer trying to sell me on a trip to Fl. she asked if i wanted to use my credit card, i told her that i didnt have one, so she insisted that i had, and that it was up on her screen that i had a master card, so i got worried about identity theft and went online to check it out. but because i don't (as far as i know) have a credit card, i couldn't use the free credit reports on line, is there a nother way to find out about an identity theft with out having to use a credit card? more