Our Websites Terms of Use Agreement (“Website Terms”) is between you and novocreditrepair.com/novocreditrepair.net, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“novocreditrepair.com/novocreditrepair.net,” “we” or “us”), with a principal place of business at 3435 Ocean Park Blvd, Suite 107H, Santa Monica, CA 90405. Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the “Website”), your engagement of novocreditrepair.com/novocreditrepair.net’s services, your request that novocreditrepair.com/novocreditrepair.net contact you about its credit repair services, and/or your participation in novocreditrepair.com/novocreditrepair.net’s Text and Email Message Program. novocreditrepair.com/novocreditrepair.net’s “Text and Email Message Program” includes sending text message(s)and emails to novocreditrepair.com/novocreditrepair.net and/or receiving text message(s) from novocreditrepair.com/novocreditrepair.net.

BY USING THE WEBSITE, ENGAGING NOVOCREDITREPAIR.COM/NOVOCREDITREPAIR.NET’S SERVICES, REQUESTING THAT NOVOCREDITREPAIR.COM/NOVOCREDITREPAIR.NET CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN NOVOCREDITREPAIR.COM/NOVOCREDITREPAIR.NET’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

novocreditrepair.com/novocreditrepair.net’s Privacy Policy applies to your use of novocreditrepair.com/novocreditrepair.net’s websites, all services provided by us, your request that novocreditrepair.com/novocreditrepair.net contact you about its credit repair services, and/or your participation in novocreditrepair.com/novocreditrepair.net’s Text and Emails Message Program, and its terms are made a part of the Website Terms. To view novocreditrepair.com/novocreditrepair.net’s Privacy Policy. By using novocreditrepair.com/novocreditrepair.net’s website, engaging our services, requesting that novocreditrepair.com/novocreditrepair.net contact you about its credit repair services, and/or participating innovocreditrepair.com/novocreditrepair.net’s Text Message Program, you acknowledge you have reviewed novocreditrepair.com/novocreditrepair.net’s Privacy Policy and agree to its terms.

BY USING NOVOCREDITREPAIR.COM/NOVOCREDITREPAIR.NET’S WEBSITES, ENGAGING NOVOCREDITREPAIR’S SERVICES, REQUESTING THAT NOVO CREDIT REPAIR CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN NOVO CREDIT REPAIR TEXT AND EMAILS MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND NOVO CREDIT REPAIR ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND NOVO CREDIT REPAIR, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRARILY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH NOVO CREDIT REPAIR. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAW SUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST NOVO CREDIT REPAIR IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST NOVO CREDIT REPAIR IN THE STATE OF CALIFORNIA ONLY. NOVO CREDIT REPAIR WILL REIMBURSE YOU UP TO $250 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have authority to interpret the Website Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Website Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Website Terms. You agree that the Website Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the state of California.

Our enrollment fee covers a complete analysis of your credit report to identify all negative items and opportunities to improve your scores. We then setup each client with a secured client portal access and a discounted price for our recommended credit monitoring service. The initial setup also covers the submitted information which is reformatted into an editable format while the submitted information is then checked and corrected by a case coordinator. Further, the credit card information is verified and reformatted. Next, the setup information is printed and filed, the client data is entered into the main database, the e-mail address is verified, the payments are created, and the client is assigned to a case coordinator. Your case coordinator will discuss your unique credit situation and answer and questions you may have before we begin the repair process.

The sum of these activities would likely exceed the amount charged for setting up your file if billed by the hour. However, we keep our pricing at an affordable and reasonable level. Doing so, we have implemented state of the art technology to keep costs low for you.

If new negative items appear on your credit while you are enrolled in our program, we do not charge you more. We will include the new negative information in the following round at no extra charge. We cannot add new negative items while we are in a middle of a round.

If we finish the work early you do not have to keep paying for our services, there are occasions where we are able to get clients where they need to be in 1-2 rounds. Again, our goal is to do the work as quick as possible without sacrificing the quality of work.

Our refund policy  is valid as long as you allow us to do the recommended number of rounds. On average, we recommend a minimum of 4 rounds. If we are unable to delete anything for you will get a full refund of all the rounds you payed for including the initiation fee while still having access to our debt negotiators.

If you have paid for 6 rounds of investigations, the cost of our rounds will be reduced. This is so if you need our help later on, you do not have to pay the full initiation fee or pay the full round cost. The rounds do not have to be continuous for the lower rate to apply.

 Ownership

The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the “Content”) that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by Novo Credit Repair or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, Novo Credit Repair retains all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the “Technology”)(the terms Content and Technology collectively will be referred to as the “Materials”). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

License

By using the Website, uploading content to or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) Novo Credit Repair a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.

Anonymous, aggregate information that does not contain personally identifiable information, comprising account information, or other available data that is collected through your use of the Website, may be used or licensed by Novo Credit Repair for various purposes including but not limited to conducting certain analytical research, performance tracking, bench marking, helping to improve products and services and to assist in troubleshooting and technical support.

Representations

You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the Website Terms and applicable law and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.

Disclaimer

novocreditrepair.com/novocreditrepair.net makes every effort to ensure the information presented in, on or through its Website is accurate; however,novocreditrepair.com/novocreditrepair.net make no guarantee as to such information, and is not responsible for any resulting loss or damage.

Warranty, Liability, Indemnification

novocreditrepair.com/novocreditrepair.net makes no representations regarding the availability and performance of its Websites. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that novocreditrepair.com/novocreditrepair.net shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use.

THE WEBSITE AND MATERIALS ARE PROVIDED BY novocreditrepair.com/novocreditrepair.net ON AN “AS IS” BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. novocreditrepair.com/novocreditrepair.net EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE.

IN NO EVENT SHALL novocreditrepair.com/novocreditrepair.net, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. novocreditrepair.com/novocreditrepair.net SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states liability is limited to the fullest extent permitted by law.

novocreditrepair.com/novocreditrepair.net DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE FREE OF VIRUSES, “WORMS”, “TROJAN HORSES”, OR THEIR HARMFUL COMPONENTS. novocreditrepair.com/novocreditrepair.net’S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY novocreditrepair.com/novocreditrepair.net SHALL BE CANCELLATION OF YOUR ACCOUNT.

Indemnity

You agree to indemnify, defend, and hold harmless novocreditrepair.com/novocreditrepair.net, its officers, directors, employees, agents, representatives, vendors and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that such parties may incur as a result of or arising from your (or anyone using your account’s) violation or breach of any representation or obligation under the Website Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with our defense of such claim.

 Electronic Notices and Transactions

You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have access to the Internet to receive novocreditrepair.com/novocreditrepair.net’s services, to request that novocreditrepair.com/novocreditrepair.net contact you about its credit repair services, to participate in novocreditrepair.com/novocreditrepair.net’s Text Message and Emails Program, and to view, print and retain all documentation. You authorize us to send you important notices about the Website and any pending transactions to an email address you provide to us, if you are a member of novocreditrepair.com/novocreditrepair.net or have requested that we contact you about our credit repair services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to transact electronically with us, you may no longer use the Website or novocreditrepair.com/novocreditrepair.net’s services. You can retrieve and review the Website Terms at any time by visiting https://www.novocreditrepair.com/terms-and-conditions, and may receive paper copies by calling Novo Credit Repair at 1-888-888-4320.

Confidentiality of Information

ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE WEBSITE ARE FOR INFORMATION ONLY (EXCEPTING NOVO CREDIT REPAIR PRIVACY POLICY AND THE WEBSITE TERMS, WHICH ARE BINDING CONTRACTS), ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN LEGAL COUNSEL. Novo Credit Repair does not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Website. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. novocreditrepair.com/novocreditrepair.net reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the Website.

Any information contained on the Website with respect to results obtained by novocreditrepair.com/novocreditrepair.net is not meant to indicate that the same or similar results can or will be obtained in other cases or situations. Results will vary depending on the facts and circumstances of each individual matter. Prior results do not predict, warrant or guarantee a similar outcome. References to past or present members or the circumstances of their specific matters do not constitute testimonials or endorsements by such members, nor are they a guarantee, warranty or prediction of the outcome of your matter.

Electronic mail or other communications through this site to novocreditrepair.com/novocreditrepair.net (or any of its employees, agents or representatives) are not secure. Accordingly, novocreditrepair.com/novocreditrepair.net does not guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Website are not confidential and your communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted emails or “Spam,” may be prosecuted to the full extent of the law. You acknowledge that by submitting communications to novocreditrepair.com/novocreditrepair.net, no confidential, fiduciary, contractually implied or other relationship is created between you and novocreditrepair.com/novocreditrepair.net other than pursuant to the Website Terms and any subsequent written agreement entered into with Novo Credit Repair.

You are solely responsible for (a) maintaining the confidentiality and security of your login information, passwords, and any other security or access information used by you or anyone you authorize on your behalf to access the Website and your account information, (b) preventing unauthorized access to or use of the information, files, or data that you store or use in or with Novo Credit Repair’s Websites, (c) all electronic communications, including account registration and other account holder information, email and financial, accounting and other data entered using novocreditrepair.com/novocreditrepair.net Websites, and (d) without limiting the foregoing, any and all activities that occur under your account. novocreditrepair.com/novocreditrepair.net will assume that any communications received through the use of the novocreditrepair.com/novocreditrepair.net Websites was sent or authorized by you. You agree to immediately notify novocreditrepair.com/novocreditrepair.net if you become aware of any loss, theft, or unauthorized use of the novocreditrepair.com/novocreditrepair.net Website or your account information.

Please do not use the information on our Website to distribute unsolicited bulk e-mails, solicitations or inquiries. The foregoing acts will constitute a violation of the Website Terms.

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Our process is simple and improves your credit scores with all 3 bureaus quickly:

1- Credit File Analysis
2- Enrollment
3- Our Process
4- Get Real Results

See How Our Process Works Step By Step

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