Note: badcreditgenie.com is a directory/database of issuers, lenders and resources for individuals with bad credit. We are not brokers or a lending institution and we can not answer questions pertaining to specific loan queries. You must contact the lenders themselves.

Legal Information: Terms and Conditions
This site (the "Site") is owned and operated by badcreditgenie.com. Please feel free to browse the Site; however, your access and use of the Site is subject to the following terms and conditions ("Terms and Conditions") on this page, and all applicable laws. You may not use the Site to post or disseminate information or material that is defamatory, obscene, infringes another's intellectual property right, or otherwise unlawful information. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms and Conditions. If you do not agree with any of the below Terms and Conditions, do not use the Site and do not purchase our materials. badcreditgenie.com reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms and Conditions at any time and by using our Site, you agree to be bound by such modifications, alterations or updates.

Copyrights and Trademarks
The documents and information on the Site are copyrighted materials of badcreditgenie.com and/or third parties. Copyright information contained on this domain may not be reproduced, distributed or copied publicly in any way, including Internet, e-mail, newsgroups, or reprinting. Any violator will be subject to the maximum fine and penalty imposed by law. Purchasers of our information are granted a license to use the information and forms contained herein for their own personal use only. Furthermore, distribution of any assigned usernames and/or passwords is strictly prohibited. Any violators will be pursued and punished to the fullest extent of the law. No claim of copyright is made on any official government forms reproduced herein. By viewing and/or purchasing the materials on our website, you agree to bound by these copyright terms.

Limitation of Liability
Information and any software available for download on this site is provided "As is", without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Though we strive for accuracy, information on the Site may contain inadvertent technical inaccuracies or typographical errors. Information may be changed or updated without notice. badcreditgenie.com may also make improvements and/or changes in the products and/or the programs/offers described in this information at any time without notice.

The Site contains numerous hyperlinks to/from other, third-party sites. badcreditgenie.com makes no representations whatsoever about any hyperlinked third-party sites which you may access through our Site. These non-badcreditgenie.com sites are not created or maintained by www.badcreditgenie.com. They are independent from badcreditgenie, and badcreditgenie.com has no control over the content on those sites. Moreover, badcreditgenie.com does not endorse or accept any responsibility for the content, or the use, of such sites. While we have no information about the presence of such dangers on non-badcreditgenie.com sites, you should take the necessary precautions to protect yourself and your systems from viruses, worms, Trojan horses, and other items of a destructive nature.

We are not a lending institution or lawyers, and can only offer our personal advice. All attempts to clean up credit, file bankruptcy, and/or obtain credit or loans may vary depending on the efforts and circumstances of each individual. If you purchase our materials, please be aware that some of the lending institutions listed may require an upfront fee. All banks and lending services are liable for their own personal guarantees. If you decide to do business with any of the listed banks, merchants or loan institutions, you agree to forward all questions pertaining to their services to them, as their offers change periodically. We can and will only answer questions pertaining to information listed on our website. No person should rely or act upon information or materials available from this domain without seeking professional advice. None of the information contained on our website should be construed as legal advice. badcreditgenie.com makes no claims to remove or erase any negative credit marks from your credit report. We can only show you ways that other people have been successful at doing so. The information provided, while believed to be accurate, may not be, and thus no action should be taken by you based upon any information provided herein without your own or a qualified professional's independent verification of the accuracy of the representations.

In no event will badcreditgenie.com be liable to you or any other third party for any direct, indirect, special or other consequential damages for any use of this Site, or on any site hyperlinked from this website, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

In no event will badcreditgenie.com be liable to you or any other third party for any direct, indirect, special or other consequential damages for any use of this Site, or on any site hyperlinked from this website, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

Jurisdiction and Choice of Law
badcreditgenie.com does not make any representation that materials in the Site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

These Terms and Conditions shall be governed by, construed and enforced in accordance with the laws of the State of California, as it is applied to agreements entered into and to be performed entirely within such State. Any action you, any third party or badcreditgenie.com brings to enforce these Terms and Conditions or, in connection with, any matters related to this site shall be brought only in either the State or Federal Courts located in Los Angeles County, CA, and you expressly consent to the jurisdiction of said courts.

Other
If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein.