Settle your debt with ExcelDebt Relief. It's a solution, not a thought.
Become Debt Free in less than 48 Months with 1 Low Monthly Payment
One Simple Payment
No Credit Check Needed
No Home Ownership Required
Many individuals today are suffering because of debt: Now you finally have the opportunity to end your battle with debt. ExcelDebt Relief works with you and your family to provide the perfect solution to become debt free. Our debt settlement program is fast, simple, and effective.
ExcelDebt Relief has a 3 step process that can put YOU on the road to freedom from all your financial troubles.
STEP 1: Educate yourself. It is very important to become aware of all financial options made available to you and your family. Please learn about Debt Education here: Debt Education
STEP 2: Review our program and determine whether this is what you are looking for: Our Program
STEP 3: Check out our results! We have saved our customers thousands of dollars, and this is just the beginning: Settlements
Pay off your credit cards much faster! It only takes one low monthly payment and is a great alternative to bankruptcy. Our customers also receive debt guidance. Settle your debts for less than what you owe. Home ownership is not required.
As you embark on the road to financial freedom, ExcelDebt Relief is here to help.
For your convenience, our customer service representatives are available to speak with you 24 hours a day. Call today for a free consultation at (510) 269-8100.
Disclaimer:
Terra Holding Group, Inc. dba ExcelDebt Relief advises that clients who make all
their monthly program payments pay approximately 51% of their enrolled balance before fees,
or 73% including fees, over 12 to 48 months. Not all clients are able to complete our
program for various reasons, including their ability to save sufficient funds.
Our estimates are based on prior results, which will vary depending on your specific circumstances.
Terra Holding Group, Inc. dba ExcelDebt Relief does not guarantee that your debts will be
resolved for a specific amount or percentage or within a specific period of time.
Terra Holding Group, Inc. dba ExcelDebt Relief does not assume your debts, make
monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice
or credit repair services. Our service is not available in all states and our fees
may vary from state to state. Please contact a tax professional to discuss potential
tax consequences of less than full balance debt resolution. Also explore debt relief
alternatives such as debt consolidation, refinance and credit counseling.
Read and understand all program materials prior to enrollment, including,
for example, potential adverse impact on credit rating.
ExcelDebt Relief is aware of the fact that there are hundreds of debt settlement companies. That is why we strive to separate ourselves from the competition by offering better and more.
Our Mission
ExcelDebt Relief is dedicated to providing honest, ethical, and timely solutions to settle unsecured debts.
Regardless of particular financial hardships, we provide guidance to all clients wanting to achieve financial stability.
What We Do
We provide debt relief to individuals and families experiencing financial difficulties.
ExcelDebt Relief recognizes that any number of circumstances can affect a person's financial well-being.
We help our clients pay off their debt with the greatest ease at the least possible expense.
Our motto is "Settle your debt for less." We help improve the lives of consumers by minimizing their debt. Our core services are settling debt and ensuring that consumers receive the best solutions at the lowest cost to them. We negotiate with third party banks, creditors, and other agencies to lower the amount of debt our owed by our clients.
We take some personal information from our customers that explain their financial status. After all documents have been verified, our team will then analyze the customer's situation to determine how much of their debt can be reduced. We will then negotiate with creditors on your behalf. While negotiating with creditors, we will also be checking any credit reports applicable in order to determine your eligibility. Once your eligibility is determined and a suitable settlement is reached, with your approval, your liabilities will then be finalized.
Responsible Leadership
Our team is committed to ethical and responsible service for our valued customer base.
We strive to be leaders in the debt settlement industry through not only our strict adherence to state
and federal rules and regulations, but also to the business standards we set
for ourselves. All customers' personal files and documents are all kept strictly
confidential.
Informed Clients
ExcelDebt Relief is committed to keeping our clients informed on latest developments or
changes that would take place in our company and the industry.
Affiliate Information:
We have a dedicated affiliates division, committed to serving our teammates and clients,
and providing full-time service. Feel free to contact us with any questions concerning our the program.
Call us today to schedule an appointment with one of our debt negotiation agents. We have several locations that stretch throughout California that we can consult at.
Debt Education
We provide information that assists our customers in managing their personal debt, as they work their way back to financial freedom. Many of us do not keep track of how much we spend and where our money is spent. In order to be financially stable, it is important to track where your money is spent, how much is spent, and how frequently you spend. Understanding spending creates an invaluable foundation for a budget and, ultimately, for financial stability.
Keep in mind the following questions:
- Why am I buying this?
- Where is my money really going?
- Are these items I can do without?
- What is this costing me annually?
What is a Budget?
A budget is a carefully constructed plan that dictates how much you will
spend on the different things you need and want per month. Having a budget
plan set can help identify bad spending habits, as well as prevent over spending.
Some may shy away from creating a budget, thinking it is too time consuming and unnecessary, concluding it wouldn't make a difference. But, in reality, taking the time to create a budget can help establish good spending habits, ultimately strengthening the fabric of a household. Following the steps listed below can help you efficiently create a budget plan that will effectively serve your needs.
Step 1: Gather every financial statement you can.- Bank statements
- Investment accounts
- Recent utility bills
- Any information regarding a source of income or expenses
Step 2:
Record all sources of income.
If you are self-employed or have any outside sources of income, be sure to record these as well.
If your income is in the form of a regular paycheck where taxes are automatically
deducted, then using the net income or take home pay amount is fine.
Record this total income as a monthly amount.
Step 3: Create a list of monthly expenses.
- Mortgage payment
- Car payment
- Auto insurance
- Groceries
- Utilities
- Entertainment
- All in all, everything you spend money on.
Step 4:
Break expenses into two categories: Fixed and Variable.
Fixed expenses are those that occur every month and are required for your way of living.
Examples of fixed expenses are mortgages, car payments, internet/cable service,
and credit card payments. These expenses, for the most part, are essential
but not likely to change in the budget.
Variable expenses are those that will change throughout months.
Variable expenses include groceries, gasoline, entertainment, dining out, and gifts.
Step 5:
Total all monthly income and monthly expenses.
Monthly income > Monthly expenses = Off to a good start!
Monthly income < Monthly expenses = Changes need to be made/ Find areas to be cut
After you have created your budget plan and have made all the adjustments needed, it is important to keep reviewing this budget plan periodically in order to control your spending habits.
Our Program
We act as an arbiter and negotiate, on our customer's behalf, with creditors to reduce the overall debts. We negotiate a manageable, repayment amount and term plan for our customers. Our program makes it much easier to fulfill any obligations with creditors through a monthly payment to a special purpose bank account. This account is insured by the Federal Deposit Insurance Corporation (FDIC) and is owned by you personally. However, the account allows access to our debt settlement specialists to make all payments to creditors.
- Our program is the quickest and least expensive way to become debt free.
- We have built strong relationships with an enormous amount of lenders and creditors that work with us to negotiate a great settlement for your accounts.
- ExcelDebt Relief strives to provide our clients with the correct debt education and the best and most affordable alternative to bankruptcy.
Steps to Debt Settlement
Our debt settlement program is fast, simple, and effective. We have designed a three
step program to make it as easy and efficient as possible. Below is a
step-by-step overview of our Debt Settlement Program.
STEP 1:
Contact us by phone or email for a free consultation. We will then evaluate your financial
situation and determine the most debt reduction possible based on your financial condition.
STEP 2:
Enroll in our program. Once you complete the
enrollment process, we will contact your creditors and advise them to handle all future calls through us.
STEP 3:
After the account is paid off, creditors may report to the credit bureaus reporting
that your accounts are one of the following:
"Settled" or "Settled in Full" or "Settled for less than the full amount" "Paid" or "Paid by Settlement"
This will conclude your enrollment in our debt settlement program and free you from that debt!
As time passes, you may need to improve your credit rating. We have built strong professional relationships with companies who can help you build your credit fast!
Meracord, Cross Roads, Global Client Solutions
All payments made will be forwarded to Meracord, Cross Roads, Global Client Solutions -
Automatic Clearing House (ACH) companies to be processed. For more information regarding
Meracord, Cross Roads, Global Client Solutions please view their websites below:
http://www.meracord.com
http://www.cftpay.com
http://www.globalclientsolutions.com
ExcelDebt's Annual Growth of 107% Display's Promised Results Within Debt Settlement Industry
Richmond, CA . February 13, 2012.: ExcelDebt Relief, a Silicon Valley based debt settlement firm, is helping individuals solve a very common problem facing many: debt. Collection agencies, interest rates and late fees have become well known terms amongst many households. We believe ExcelDebt can offer a solution to the constant phone calls from creditors many encounter on a daily basis.
The U.S. Census Bureau projected the total credit card debt carried by an estimated 183 million cardholders to be approximately $897 billion in 2011. In recognition of this difficulty facing the American population, ExcelDebt is offering a simple solution to a complicated problem.
This company is encouraging people to discuss their outstanding debt problems and gain the knowledge of the options available to them. Many agencies have falsely offered debt assistance involving up-front costs and a lack of results; hence, people have become extremely skeptical about turning to such companies with their financial problems.
ExcelDebt Relief works to "bundle your credit cards into one low monthly payment and be debt free in twelve to 48 months without high interest rates," explains Grace Collins, spokesperson for ExcelDebt Relief. "We have a team of professionals who works through a legally accurate process to provide promised results."
The focus of this company is to guide individuals and families to financial stability. With years of experience and a dedicated and knowledgeable staff, they have helped a countless number of individuals eliminate debt. They analyze each case individually, than have their expert negotiation team work to reduce the total amount owed. Ultimately, their clients only pay a fraction of the original balance. To make this process easier, a low monthly payment system is set up for clients to pay off the remaining balance.
Their process is simple and easy to understand with a step-by-step guide on exactly what type of results an individual can expect. "We work with our clients to eliminate their current financial problems," states Collins, "we strive to help individuals build a positive and stable future for themselves and their families."
Call toll free at (888) 821-2722 or email at info@exceldebt.com
See how it works
Watch our commercial
Settlement Letters
|
|
|
|
|
|
|
|
(Click thumbnail to see the settlement letter)
Individual results will vary based on circumstances, including, but not limited to, your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. Read and understand all program materials prior to enrollment.
Privacy Policy
We take our ethical responsibilities for your privacy very seriously. We are committed to providing excellent service to all our customers and any visitors to this web site. Our Privacy Policy discloses ways information from our website is collected, protected, used and shared. By using this site, you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence and enhance your experience on the Internet. Therefore, in compliance with industry standards and regulations enforced typically by the Federal and State Governments, we abide by the following Privacy Policy.
Browsing
This website does not collect personally identifiable information from
your computer when you browse this website and request pages from our servers.
This means that, unless you voluntarily and knowingly provide us with
personally identifiable information, we will not know your name, your
email address, or any other personally identifiable information. We may use
IP addresses, browser types and access times to analyze trends, administer
the site, improve site performance and gather broad demographic information
for aggregate use. When you request a page from our website, our servers log
the information provided in the HTTP request header including the IP number,
the time of the request, the URL of your request, and other information that
is provided in the HTTP header. We collect the HTTP request header information
in order to make our website function correctly and provide you the functionality
that you see on this website. We also use this information to better understand how
visitors use our web site and how we can better tune it, its contents and
functionality to meet your needs.
Information we Collect and its Uses
We collect your personal information if you decide to purchase one of our
products or retain our services, complete an application form, participate
in one of our surveys or transact other business with us. We need to collect
personally identifiable information from you to execute the requested transaction,
provide you with a particular service, and/or to further enhance your account.
At anytime, we may ask you to voluntarily supply us with additional information needed.
We will ask you for information such as, but not limited to: name, current and/or
billing address, your e-mail address, telephone number and, if you purchase one of
our products or services, your Social Security number and certain other personal
information, such as your date of birth, address, employment information, and
certain credit card and loan account information. We may use your email address to
send a confirmation and, if necessary, we might use the other information to contact
you for help in processing.
In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal.
We may also use the information we collect about you in order to, but not limited to:
- learn more about your interest in the products or services we offer and provide you with information
- enroll customers who desire our services
- open customer files and establish their accounts
- provide customer service
- negotiate settlement of our customers' debts (according to the terms and conditions of their written agreements)
- learn how to improve our products or services
- provide opportunities for our affiliates and other companies to inform you about the products or services they offer that may interest you
- share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35.
Disclosure of Information to Third Parties
We may disclose a consumer's personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of ExcelDebt Relief. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, ExcelDebt Relief. The personal information collected on this site and by third parties will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.
Choice / Opt-out
We provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.
If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.
If you do not wish to have your personal information collected by any third party that is not our agent/service provider, please contact our customer service department to actively opt-out of having your personal information shared. Customer Service contact information:
ExcelDebt Relief
Richmond:3260 Blume Dr, Suite 430
Richmond, CA 94806
Phone: 510-269-8100
Fax: 510-223-8774
Email: info@exceldebt.com
505 Montgomery Street, Suite 1100
San Francisco, CA 94111
Phone: 510-269-8100
Fax: 510-223-8774
Email: info@exceldebt.com
2880 Zanker Rd, Suite 203, Office #220
San Jose, CA 95134
Phone: 888-821-2722
Fax: 888-817-8018
Email: info@exceldebt.com
Service Providers
We may use other third parties to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services.
These third parties are prohibited from using your personally identifiable information for any other purpose.
Securing the Transmission and Storage of Information
The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.
Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number and/or social security number) on our registration or order forms.
This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the Internet.
After information reaches ExcelDebt Relief, it is stored on a secure server that resides behind firewalls designed to block unauthorized access. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you have any questions about the security on our Web site, please feel free to e-mail us.
Log Files
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), referring/exit pages, operating system, date / time stamp, and click stream data.
We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically collected data to personally identifiable information.
Cookies
A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.
We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. We can at your option set a persistent cookie to store your passwords, so you don't have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.
Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.
This privacy statement covers the use of our cookies only and does not cover the use of cookies by any advertisers.
Clear Gifs (Web Beacons / Web Bugs)
We employ a software technology called clear gifs (also known as Web Beacons / Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers' personally identifiable information.
We use clear gifs in our HTML-based emails to let us know which emails recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see "Choice and Opt-out."
Links to Other Sites
This Web site may contain links to other sites such as our affiliates as well as third parties which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company's use and disclosure of your information collected on this site.
While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every web site that collects personally identifiable information.
This privacy statement applies only to information collected by this Web site.
Co-branded sites
We may be co-branded with "partners and affiliates." These business-to-business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.
Access to Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Support or by contacting us by telephone or postal mail at the contact information listed below.
Customer Service
If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes.
Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.
Legal Disclaimer
We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.)
If any provision of this privacy policy is held by a court of competent jurisdiction to be unenforceable or contrary to law, the remaining provisions shall remain in full force and effect.
Supplementation of Information
In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources.
Business Transitions
In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our web site for 30 days of any such change in ownership or control of your personal information.
Changes to this Privacy Statement
We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.
We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
Contact Us
If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at:
ExcelDebt Relief
Richmond:3260 Blume Dr, Suite 430
Richmond, CA 94806
Phone: 510-269-8100
Fax: 510-223-8774
Email: info@exceldebt.com
505 Montgomery Street, Suite 1100
San Francisco, CA 94111
Phone: 510-269-8100
Fax: 510-223-8774
Email: info@exceldebt.com
2880 Zanker Rd, Suite 203, Office #220
San Jose, CA 95134
Phone: 888-821-2722
Fax: 888-817-8018
Email: info@exceldebt.com
Terms of Service
ExcelDebt Relief provides the client with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, debt settlement. ExcelDebt Relief provides its service, to the user, subject to the following Terms of Service.
ExcelDebt Relief is not responsible for providing you access facilities or equipment (in any form) to its service. You, the client, also comprehends and concur that these services may include advertisements and sponsorships and that these are necessary for ExcelDebt Relief to provide any or all of its services. You also comprehend and agree that ExcelDebt Relief makes no submission about the suitability, reliability, availability, timeliness, accuracy of the information, products, services and related graphics contained within its network of websites for any purpose. ExcelDebt Relief services are provided "as is" without warranty of any kind. ExcelDebt Relief hereby disclaims all warranties and conditions with regard to any and all services.
Services are subject to the applicable retainer agreements and legal disclaimer.
Acknowledgment and Acceptance of Terms of Service
ExcelDebt Relief services are provided to you, the client, under the terms and conditions
and any amendments thereto and any operating rules or policies that may be published from
time to time by ExcelDebt Relief as part of the Terms of Service/Legal Disclaimer and
related disclosures which are cumulatively included herein by reference.
The ExcelDebt Relief Terms of Service comprises the entire agreement between
the client and ExcelDebt Relief and supersedes any prior agreements pertaining
to the subject matter contained herein. BY COMPLETING THE REGISTRATION PROCESS
AND CLICKING THE "SUBMIT" BUTTON, YOU ARE AGREEING TO BE BOUND BY THE ExcelDebt
Relief Terms of Service, Legal Disclaimer and applicable terms of the Retainer Agreement.
Modification of These Terms of Use
ExcelDebt Relief reserves the right to change any of the terms, conditions, and
notices under which any services are offered. You are responsible for regularly
reviewing these terms and conditions, including changes / modifications if any
incorporated by us from time to time. Your continued use of ExcelDebt Relief services
constitutes your agreement to all such terms, conditions, and notices.
Modification to Services
ExcelDebt Relief reserves the right to modify or discontinue, temporarily or
permanently, any or all services offered or provided with or without notice
to the client at any time and from time to time. The client agrees that ExcelDebt
Relief shall not be liable to the client or any third party for any modification
or discontinuance any of theses services.
User Conduct
As a condition of your use of ExcelDebt Relief services you, the client,
agree to provide: (a) true, accurate, current and complete information
about yourself as required by ExcelDebt Relief services registration form
(such data being the "Registration Information, and Retainer Agreement")
(b) maintain and promptly update the Registration Information to keep it
accurate, current and complete. If you provide any information that is
untrue, inaccurate, not current or incomplete, ExcelDebt Relief has the
right to terminate the user account and refuse any and all current or
future use of ExcelDebt Relief services. (c) ExcelDebt Relief; the right
to use / disclose the aggregate registration information to third parties
in connection with marketing of services, subject to the privacy policy.
You have also consented ExcelDebt Relief the right to use your registration
information to provide targeting of advertising and other service offers.
This could also be used to customize the content you see, to fulfill your
requests for certain products and services and to contact/inform you through
e-mail or otherwise about special offers or new products.
Usage Obligations
As a condition of your use of any ExcelDebt Relief services you will not use
said services for any illegal purposes. You will be solely responsible for
the contents of transmissions made by you through any ExcelDebt Relief services.
You agree not to use ExcelDebt Relief services to: (a) Obstruct or hinder the use and enjoyment of ExcelDebt Relief services by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt ExcelDebt Relief services or servers or networks connected to debt settlement, or defy any requirements, regulations or guidelines of networks connected to ExcelDebt Relief services; (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another's privacy, caste related, ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any computer or telecommunications equipment or property of another; (i) "Stalk" or otherwise harass other users; collect or store personal data about other users. (j) Advertise, promote or offer to sell or buy any goods or services for any business purpose unless ExcelDebt Relief services specifically allows such messages or transactions. (k) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion, use or access of ExcelDebt Relief services. (l) Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law, (m) Conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.
ExcelDebt Relief has no obligation to observe and monitor its services. However, ExcelDebt Relief reserves the right to review materials posted and to remove any materials. ExcelDebt Relief also reserves the right to terminate your access to any or all of services, at any time, without notice, for any reason whatsoever.
ExcelDebt Relief reserves the right subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part. These would be more applicable to the publicly accessible areas of ExcelDebt Relief services that are intended to be available to the general public. For example, publicly accessible areas of ExcelDebt Relief services would include message boards and chat rooms that are open to both registered users and visitors.
In view of the global nature of the World Wide Web, the client understands and agrees that technical processing of tools of communication is (and may be) required to send and receive messages, to correspond/conform to the technical requirements of connecting networks, to correspond/conform to the limitations of ExcelDebt Relief services, or to correspond/conform to other, similar technical requirements.
User Account, Password and Security
As part of ExcelDebt Relief's registration process, you will provide us
with current, complete and accurate information as requested by the registration
form. You will then choose a user name and password. You take total
responsibility for maintaining the confidentiality of your password and
account. You are also entirely responsible for any and all activities that
occur under your account. You agree to notify ExcelDebt Relief immediately
of any unlawful / unauthorized use of your account or any other security
violation. You agree to ensure that you exit from your account at the end of
each session. You understand that ExcelDebt Relief will not be liable for
any loss or damage in any form incurred as a result of unauthorized usage
of your account, with or without your knowledge. However, you could be held
liable for losses or damages incurred by ExcelDebt Relief or a third party
as a result of your failure to comply with this clause. You also agree not
to use anyone else's account, at any time, without the prior permission of the account holder.
Privacy Policy
Registration information and certain other information about
you are subject to our Privacy Policy. For more information, see our privacy policy.
Disclaimer
Registration information and certain other information about you are subject
to our Disclaimer. If any provision of this terms of service is held by a
court of competent jurisdiction to be unenforceable or contrary to law,
the remaining provisions shall remain in full force and effect.
For more information, see our Legal Disclaimer.
Limitation of Liability
You expressly understand and agree that to the extent permitted under the RPC,
ExcelDebt Relief shall not be liable for any direct, indirect, incidental,
special, consequential or exemplary damages, including but not limited to,
damages for loss of profits, goodwill, use, data or other intangible losses
(even if ExcelDebt Relief has been advised of the possibility of such damages),
resulting from: (i) the use or the inability to use ExcelDebt Relief services;
(ii) the cost of procurement of substitute goods and services resulting
from any goods, data, information or services purchased or obtained or
messages received or transactions entered into through or from ExcelDebt
Relief services; (iii) unauthorized access to or alteration of your
transmissions or data; (iv) statements or ExcelDebt Relief services are
conduct of any third party on ExcelDebt Relief services; or (v) any other
matter relating to ExcelDebt Relief services.
Content Provided to the Service
ExcelDebt Relief does not claim ownership of the "content" (in the form of
data, text, software, music, sound, photographs, graphics, video, messages
or other materials) you provide to ExcelDebt Relief (including feedback and
suggestions) or post, upload, privately transmit, input or submit to any
ExcelDebt Relief site or service for review by the general public. However,
by posting, uploading, or making available content or any other material,
you grant ExcelDebt Relief and its affiliate sites permission to use your
submission in connection with the operation of their Internet businesses,
including, without limitation, the rights to copy, distribute, transmit,
publicly display, publicly perform, reproduce, edit, translate and reformat
your submission, and to publish your name in connection with your submission.
Richmond
3260 Blume Dr. Suite 430Richmond, CA 94806
Phone: (510) 269-8100
Fax: (510) 223-8774
(view map)
San Jose
2880 Zanker Rd. Suite 203San Jose, CA 95134
Phone: (408) 413-1200
Fax: (408) 692-1450
(view map)