Terms & Conditions

Privacy

Your use of https://CLEARCREDITPATH.com is subject to CLEARCREDITPATH' Privacy Policy. Please review our Privacy Policy, which also governs the Sites and informs users of our data collection practices.

Electronic Communications

Visiting https://CLEARCREDITPATH.com or sending emails to CLEARCREDITPATH constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your Account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that CLEARCREDITPATH is not responsible for third party access to your account that results from theft or misappropriation of your account. CLEARCREDITPATH and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

Children Under Eighteen

CLEARCREDITPATH does not knowingly collect, either online or offline, personal information from persons under the age of eighteen. Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. The Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use https://CLEARCREDITPATH.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to CLEARCREDITPATH that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of CLEARCREDITPATH or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. CLEARCREDITPATH content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of CLEARCREDITPATH and the copyright owner.

International Users

The Service is controlled, operated and administered by CLEARCREDITPATH from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the CLEARCREDITPATH Content accessed through https://CLEARCREDITPATH.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless CLEARCREDITPATH, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. CLEARCREDITPATH reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with CLEARCREDITPATH in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and CLEARCREDITPATH agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CLEARCREDITPATH, INC ITS SUPPLIERS MAY MAKE IMPROVEMENTS CHANGES IN THE SITE AT ANY TIME. CLEARCREDITPATH, INC ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. CLEARCREDITPATH, INC ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

Termination/Access Restriction

CLEARCREDITPATH reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of South Carolina and you hereby consent to the exclusive jurisdiction and venue of courts in South Carolina in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and CLEARCREDITPATH as a result of this agreement or use of the Site. CLEARCREDITPATH' performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of CLEARCREDITPATH' right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by CLEARCREDITPATH with respect to such use.

Changes to Terms

CLEARCREDITPATH reserves the right, in its sole discretion, to change the Terms under which https://CLEARCREDITPATH.com is offered. The most current version of the Terms will supersede all previous versions. CLEARCREDITPATH encourages you to periodically review the Terms to stay informed of our updates.

Effective Date: 12/1/2023

Last Reviewed on: 12/27/2023

2. Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to https://CLEARCREDITPATH.com and governs data collection and usage. By using the CLEARCREDITPATH website, you consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, CLEARCREDITPATH may collect personally identifiable information, such as your:

• First and Last Name
• Mailing Address
• E-mail Address
• Phone Number

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site.

Use of your Personal Information

CLEARCREDITPATH collects and uses your personal information to operate its website(s) and deliver the services you have requested.

CLEARCREDITPATH may also use your personally identifiable information to inform you of other products or services available from CLEARCREDITPATH and its affiliates.

Sharing Information with Third Parties

CLEARCREDITPATH may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. CLEARCREDITPATH may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to CLEARCREDITPATH, and they are required to maintain the confidentiality of your information.

4. TCPA Privacy Policy

Notwithstanding any current or prior election to opt in or Opt-out of receiving telemarketing calls or SMS messages (including text messages) from CLEARCREDITPATH, our agents, representatives, affiliates, marketing partners, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached.

You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from CLEARCREDITPATH, our agents, representatives, affiliates, marketing partners or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers.

5. California Consumer Privacy Act

Effective Date: 12/1/2023

Last Reviewed on: 12/27/2023

This Privacy Notice for California Residents supplements the information contained in CLEARCREDITPATH Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

Introduction

CLEARCREDITPATH is an award-winning service which connects consumers with a marketplace of third party Lending Partners, financial service providers, credit card providers and debt relief providers. To assist us in providing our award-winning service, we collect and process your information. We work extremely hard to be good stewards of your information at all times.

Information We Collect

The Personal information you provide to us includes:

• Contact data, such as your first and last name, email address, residential address and phone number
• Identity data, such as your Social Security number and date of birth
• Credit history and loan data, such as your estimated credit score, vehicle and home ownership status and other information
• Employment data, such as your employment status, employer name, and income
• Education data, such as the education level you have obtained

Contact Us

If you have any questions about these Terms or the Website, you may contact us by email at compliance@neoage.us, or the mailing address below: