By visiting and using creditplush.com (hereinafter the “Website”), you accept and agree to be bound by these Terms and Conditions including our Disclaimer and Privacy Policy posted on the website and incorporated herein by reference.
The term “you” refers to anyone who uses, visits, and/or views the website. The term “we,” “us,” or “our” refers to Inet Kemp and its owners, operators, employees, and affiliates. Inet Kemp reserves the right to amend or modify these terms and conditions in its sole discretion at any time without notice and by using the website, you accept those amendments. It is your responsibility to periodically check the website for updates.
Your continued use of the website after posting of any changes to our Terms and Conditions constitutes your acceptance of those changes and updates. You must not access or use the website if you do not wish to be bound by these Terms and Conditions.
AGE AND GEOGRAPHIC RESTRICTIONS
All information and content on this website is intended for individuals over the age of 18 that reside in the United States. Children under the age of 18 are prohibited from using this website. We do not offer products or services to individuals living in the European Union as outlined in the General Data Protection Regulation. Additionally, we make no representation that the information provided on the website including any products and/or services are available or appropriate for use in other locations outside the United States. You are responsible for complying with local laws and regulations if you access this website from locations outside the United States.
PRIVACY POLICY
We are dedicated to respecting the privacy of your personal information. Your acceptance of our Privacy Policy is expressly incorporated into these Terms and Conditions. Please review our Privacy Policy at https://inetkemp.com/privacy-policy/ for more information.
DISCLAIMER
Your acceptance of our Disclaimer is expressly incorporated into these Terms and Conditions. Please review the Disclaimer at https://inetkemp.com/disclaimer/ for more information.
DISPUTE RESOLUTION, ARBITRATION, AND GOVERNING LAW
You expressly waive your right to bring any legal claims, now or in the future arising out of or related to the website and our products/services, except as provided herein. In the event of any dispute, claim, or controversy arising out of or relating to your use of this website, the terms and conditions shall be construed in accordance with the rules and regulations of the state of California and the United States.
You agree to the following dispute resolution process:
- Informal Resolution: Before initiating any formal dispute process, you agree to contact us at inetkemp@gmail.com with a description of your issue, and we will work in good faith to resolve the matter informally.
- Mandatory Arbitration: If informal resolution is unsuccessful, you agree to resolve any disputes through binding arbitration in the state of California in accordance with the rules of the American Arbitration Association. You shall bear the cost of arbitration as permitted by law, except where prohibited by applicable law. The arbitration shall be conducted by a single arbitrator, and judgment on the award may be entered in any court having jurisdiction thereof.
- Exceptions to Arbitration: Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property rights pending the completion of arbitration.
- Class Action Waiver: You agree to resolve any claims against Inet Kemp on an individual basis only, and waive any right to bring, join, or participate in class actions or representative proceedings against Inet Kemp.
Your good faith participation in these dispute resolution procedures is a condition precedent to pursuing any other legal or equitable remedies available. You agree that in the event a legal claim is initiated after the required dispute resolution process, the prevailing party shall be entitled to recover reasonable attorney’s fees and other costs associated with the legal action.
You consent and submit to the exclusive jurisdiction of the state and federal courts located in California for any matters not subject to arbitration, without regard to the principles of conflict of law or where the parties are located at the time a dispute arises.
INTELLECTUAL PROPERTY
All content on this website including but not limited to text, posts, logos, marks, graphics, files, materials, services, products, videos, audio, applications, computer code, designs, downloads, and all other information here (collectively, the “Content”) is owned by us and is protected by copyright, trademark, and other intellectual property and unfair competition laws. You are granted a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to print or download Content from the website for your own personal, non-commercial, informational, and educational use only while ensuring it’s not in violation of any copyright, trademark, and intellectual property or proprietary rights.
You agree not to copy, duplicate, steal, modify, publish, display, distribute, reproduce, store, transmit, post, create derivative works, reverse engineer, sell, rent or license any part of the Content in any way to anyone, without our prior written consent. You agree to abide by the copyright, trademark laws, and intellectual property rights and shall be solely responsible for any violations of these terms and conditions.
All trademarks, service marks, and trade names that appear on the Website and that have not been licensed to Inet Kemp are the property of their respective owners.
USER CONTENT AND LAWFUL USE OF THE WEBSITE
For any Content or information that you upload, display, post, transmit, send, email or submit to us on the website or on any of our social media sites (“User Content”), you warrant that you are the owner of that Content or have express permission from the owner of those intellectual property rights to use and distribute that Content to us. You grant us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us a royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to identify you, publish, post, reformat, copy, distribute, display, edit, reproduce any Content provided by you on our website and on any of our social media sites for any purpose.
We do not claim ownership of your User Content. However, you agree that we have no obligation to monitor User Content and may remove any User Content at our sole discretion without notice for any reason or no reason.
You shall be solely liable for any damages resulting from any infringement of copyrights, trademark or other proprietary rights of any Content or information that you provide to us.
You agree not upload, display, post, transmit, distribute, send, email or submit to us on the website or on any of our social media sites any information or Content that is: (a) illegal, violates or infringes upon the rights of others, (b) defamatory, abusive, profane, hateful, vulgar, obscene, libelous, pornographic, threatening, (c) encourages or advocates conduct that would constitute a criminal offense, giving rise to civil liability or otherwise violate any law, (d) contains material including but not limited to spyware, computer virus, any kind of malicious computer software or any other harmful information that is actionable by law, (e) attempts to gain unauthorized access to any portion or feature of the website, or (f) sends unsolicited or unauthorized material or causes disruption in the operation of the website.
You agree to use the website for lawful purposes only and shall be liable for damages resulting from violation of any provision contained in these Terms and Conditions.
ACCOUNT SECURITY
If you create an account on our website, you are responsible for maintaining the confidentiality of your account information, including your password, and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account or password, or any other breach of security. You may be held liable for losses incurred by Inet Kemp due to someone else using your account or password.
THIRD PARTY LINKS AND SERVICES
The website may contain links to third party websites or resources for your convenience. We may serve as an affiliate for some of these third party websites by offering or advertising their products or services on the website; however, we do not own or control these third party websites. Once you click on a third party link and leave this website, you are no longer bound by our terms and conditions.
You agree that we are not responsible or liable for the accuracy, content or any information presented on these third party websites. You assume all risks for using these third party websites or resources and any transactions between you and these third party websites are strictly between you and the third party. We shall not be liable for any damages resulting from your use of these third party websites or resources.
DATA SECURITY AND ELECTRONIC COMMUNICATIONS
We implement reasonable security measures to protect your personal information. However, we cannot guarantee the security of information transmitted through the internet, and any information you transmit to us is done at your own risk.
By using our website or providing your contact information, you consent to receive electronic communications from us, including emails and notices posted on the website. You agree that any notice, agreement, disclosure, or other communication that we send electronically satisfies any legal requirement that such communication be in writing.
TERMINATION
We reserve the right in our sole discretion to refuse, remove, restrict your access, revoke and terminate your use of our website including any or all Content published by you or us at any time for any reason, without notice. Upon termination, your right to use the website will immediately cease, and you must destroy all materials obtained from the website and all copies thereof.
NO WARRANTIES
ALL CONTENT, INFORMATION, PRODUCTS AND/OR SERVICES ON THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE, EXPRESS OR IMPLIED, TO THE FULL EXTENT PERMISSIBLE BY LAW. COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONTENT, INFORMATION, MATERIALS, PRODUCTS AND/OR SERVICES PROVIDED ON THIS WEBSITE. COMPANY MAKES NO WARRANTIES THAT THE WEBSITE WILL PERFORM OR OPERATE TO MEET YOUR REQUIREMENTS OR THAT THE INFORMATION PRESENTED HERE WILL BE COMPLETE, CURRENT, OR ERROR-FREE. COMPANY DISCLAIMS ALL WARRANTIES, IMPLIED AND EXPRESS, FOR ANY PURPOSE TO THE FULL EXTENT PERMITTED BY LAW.
LIMITATION OF LIABILITY
You agree that under no circumstances, we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here.
You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, outcome of your actions, personal and business results, and for all other use in connection with the website.
You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from:
- any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures;
- any loss of income, use, data, revenue, profits, business or any goodwill related to the website;
- any theft or unauthorized access by third parties of your information from the website regardless of our negligence; and
- any use or misuse of the information, products and/or services offered here.
This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
INDEMNIFICATION
You agree to indemnify, defend, and hold the Company and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us harmless from all losses, claims, damages, demands, actions, suits, proceedings or judgments, including costs, expenses and reasonable attorneys’ fees (“Liabilities”) assessed against or otherwise incurred by you arising, in whole or in part, from: (a) actions or omissions, whether done negligently or otherwise, by you, your agents, directors, officers, employees or representatives; (b) all your actions and use of the website including purchasing products and services; (c) violation of any laws, rules, regulations or ordinances by you; (d) violation of any terms and conditions of this website by you or anyone related to you; or (e) infringement by you or any other user of your account of any intellectual property or other rights of anyone.
Company will notify you promptly of any such claims or liability and reserves the right to defend such claim, liability or damage at your expense. You shall fully cooperate and provide assistance to us if requested, without any cost, to defend any such claims.
FORCE MAJEURE
We shall not be liable for any delay or failure to perform resulting from factors beyond our reasonable control, including but not limited to acts of God, pandemic, epidemic, fire, flood, earthquake, explosion, governmental actions, war, invasion or hostilities, terrorist threats or acts, riot or other civil unrest, national emergency, revolution, insurrection, or other similar events.
ENTIRE AGREEMENT
These Terms and Conditions along with our Privacy Policy and Disclaimer constitutes the entire agreement between you and us with respect to this website. It supersedes all prior or contemporaneous communications, discussions, negotiations or proposals we may have had with you whether electronic, oral or written.
A printed version of this entire agreement including the Privacy Policy and Disclaimer and of any notice given in electronic form shall be admissible in judicial or administrative proceedings with respect to this website to the same extent and given the same effect as other business contracts and documents kept and maintained in printed form.
SEVERABILITY
If any provision in these Terms and Conditions is deemed by a court, regulatory authority or other public or private tribunal of competent jurisdiction to be invalid or unenforceable, such provision is deemed to have been omitted from this Agreement. The remainder of this Agreement remains in full force and effect, and is modified to any extent necessary to give such force and effect to the remaining provisions, but only to such extent.
WAIVER
The failure of Inet Kemp to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. No waiver by Inet Kemp of any term or condition set forth in these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition.
ASSIGNMENT
You may not assign, transfer, or sublicense these Terms and Conditions or any rights or obligations hereunder without our express written consent. Inet Kemp may assign these Terms and Conditions at any time without notice to you.
CHANGES TO TERMS AND CONDITIONS
We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. The most current version will be posted on our website with the effective date. You are responsible for checking our website periodically for changes. Your continued use of the website after we post any modifications to the Terms and Conditions constitutes your acceptance of such modifications.
CONTACT
For any questions, please contact us at inetkemp@gmail.com.
Last Updated: [March 18, 2025]