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Terms and Conditions
By placing your order for our free CD trial product and website access you assure Financial Direct that you have inputted into all email form fields that your email address is correct and that your email account is operational for sending and retrieving email correspondence.
Access To This Site
YOU MUST BE EIGHTEEN (18) YEARS OF AGE OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE FALLS WITHIN THE CHILD ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.
To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current and complete. We have the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time, without notice.
30 Day Bonus - Grant Access Online
By ordering the free CD product and website access from this site you agree and accept the terms and conditions of the whole site. Including the offer for 30 Days free trial of the online grant database access, which states that you will receive 30 days free online access if you do not cancel with in the first 25 days before the monthly billing is initiated. You may cancel at anytime but you will forfeit the remaining free online access. And then you will be charged $39.80 monthly thereafter on the credit card you used on initial purchase. Failure to keep your account current may lead to other means of collection. This will continue until you cancel the access. You can cancel your access at anytime by visiting www.financialdirect.net/cancel with your full name, phone number, and the first two and last four digits of the credit card that you used to place your order on our website. All cancellations must be submitted through this form and a cancellation request must be submitted at least two business days prior to the monthly billing date. You agree and must use this form to cancel at: www.financialdirect.net/cancel. All charges are final. If a charge was incurred AFTER a cancellation and the customer does not have a valid cancellation number then no refund will be issued. By ordering the product from this site you acknowledge that you understand and accept these terms.
Restrictions on Use
There shall be No Warranties express or implied.
ALL WEB SITES, PRODUCTS AND SERVICES ARE PROVIDED, AS IS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. OUR COMPANY DOES NOT WARRANT, GUARANTEE, OR MAKE ANY REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE WEB SITES, PRODUCTS, SERVICES OR WRITTEN MATERIALS IN THE TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, CURRENTNESS OR OTHERWISE. THE ENTIRE RISK AS TO THE RESULTS AND PERFORMANCE OF THE WEB SITES, PRODUCTS AND SERVICES ARE ASSUMED BY YOU. IF THE WEB SITES, PRODUCTS, SERVICES OR WRITTEN MATERIALS HAVE CAUSED DAMAGE OR HARM IN ANY WAY, YOU, AND NOT OUR COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.?
THIS IS THE ONLY WARRANT OF ANY KIND, EITHER EXPRESS OR IMPLIED, THAT IS MADE BY OUR COMPANY. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY OUR COMPANY SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY, AND YOU MAY NOT RELY ON SUCH INFORMATION OR ADVICE TO DO SO UNLESS EXPRESSLY STATED HEREIN.
Limitation on Liability
OUR COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF OUR COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF OUR COMPANY AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO OUR COMPANY FOR THE APPLICABLE CONTENT, PRODUCT OR SERVICE OT OF WHICH LIABILITY AROSE.
This site may be hyper-linked to other sites, which are not maintained by, or related to, our Company. Hyper-links to such sites are provided as a service to users and are not sponsored by or affiliated with this site or our Company. Our Company has not reviewed any or all of such sites and is not responsible for the content of those sites. Hyper-links are to be accessed at the user's own risk, and our Company makes no representations or warranties about the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site. Further, the inclusion of any hyper-link to any third-party site does not imply endorsement by our Company of that site. Submissions You hereby grant to our Company the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right an license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all content, remarks, suggestions, ideas, graphics, or other information communicated to our Company through this site (together, hereinafter known as the "Submission"), and to incorporate and Submission in other works in any form, media or technology now known or later developed. Our Company will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will incur any liability as a result of any similarities that may appear in future Company operations.
You understand that our Company cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contamination or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. Our Company does not assume any responsibility or risk for your use of the Internet.
The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by our Company. Investors, borrowers, and other persons should use the Content to the exclusion of their own professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS", AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. OUR COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. OUR COMPANY DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. OUR COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND OUR COMPANY MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT OUR COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. OUR COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
All of the information in this site, whether historical in nature or forward looking, speaks only as of the date the information is posted on this site, and our Company does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.
Trademarks, service marks, and logos appearing in this site are the property of our Company or the party that provided the trademarks, service marks and logos to our Company. Our Company and any party that provided trademarks, service marks, and logos to our Company retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.
Information You ProvideYou may not post, send, submit, publish or transmit in connection with this site any material that:
You do not have the right to post, including proprietary material of any third party;
Advocates illegal activity or discusses an intent to commit an illegal act;
Is vulgar, obscene, pornographic, or indecent;
Does not pertain directly to this site;
Threatens or abuses others, libels, defames, invades privacy, stalks is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
Infringes any intellectual property or other right of any entity or person, including violating anyone's copyrights or trademarks, or their rights of publicity;
Violates or may be considered to violate any law;
Impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
Advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;
Solicits funds, advertisers or sponsors;
Includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications
Disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this site;
Includes MP3 format files; " Amounts to a "pyramid" or similar scheme;
Disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or
Contains hyper-links to other sites that contain content that falls within the descriptions set forth above.
Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). Our Company will be entitled to monitor your password and, at its sole discretion, require you to change it. If you use a password that our Company considers insecure, our Company will be entitled to require the password to be changed and/or terminate your account.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS OUR COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY OUR COMPANY DURING OR AS A RESULT OF ITS INVESTIGATIONS BY EITHER OUR COMPANY OR LAW ENFORCEMENT AUTHORITIES.
Our company's entire liability, and the purchaser's exclusive remedy, shall be a replacement of our products, at our option. We limit replacement to 60 days. All remedies are limited to the United States.
Some states do not allow the exclusion or limitation of liability, so the above limitations may not apply to you.
Legal Forum, Choice of Laws & Official Language
This offering is a contract between you the buyer and our business, the seller. The seller is located in the State of California U.S.A. and by doing business with us you agree that this offering is made from the State of California U.S.A. and shall be governed by the laws of the State of California and the U.S.A. By electing to participate in this offer, you are entering into a contract.
This agreement shall be governed and construed in accordance with the laws of the State of California without regard to its conflict of laws rules. Any legal action arising out of this Agreement shall be litigated and enforced under the laws of the State of California / Utah. In addition, you agree to submit to the jurisdiction of the courts of the State of California and that any legal action pursued by you shall be within the exclusive jurisdiction of the courts of the State of California U.S.A.
The terms constituting this offering are set fort in writing on this Web site. You hereby agree to submit to the jurisdiction of the State and Federal Courts located in the State of California U.S.A. to resolve any disputes or litigation hereunder. Whether or not you choose to print this offering, containing the terms and conditions as described herein, you agree that this contract constitutes a writing.
This agreement is being written in English, which is to be the official language of the Contract's text and interpretation. If you do not agree with the above terms and conditions, you have the option to not participate in this offer.
This Web site and information contains copyrighted material, trademarks and other proprietary information. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works of, or in any way exploit, in whole or in part, any Proprietary or other Material.
All images, text, contents, products and scripts are licensed and never sold, unless otherwise stated. Reproduction is prohibited. You may not use, copy, emulate, clone, rent, lease, sell, modify, recompile, disassemble, otherwise reverse engineer, or transfer the licensed program or product or any subset of the licensed program or product, except as provided for in this agreement or expressly in writing. Any such unauthorized use shall result in immediate and automatic termination of this license and may result in criminal and/or civil prosecution.
Our company reserves all rights not expressly granted here.
Last updated: 10/20/2008