Terms and Conditions of The Credit Department, Inc. “TCD”
Users of the Services offered by The Credit Department, Inc. “TCD” acknowledge and accept these terms and conditions.
Owner of The Credit Department, Inc. “TCD” and related Services
The Credit Department, Inc
445 Minnesota Street, Suite 700
Saint Paul, MN 55101
Information about The Credit Department, Inc. “TCD”
The Service provided by the Owner allows the User to run a series of technological tools and receive assistance regarding legal requirements associated with their online activities (eg. website, mobile app, etc.). As part of its Service, the Owner allows the User to create, host and keep one or more document templates up to date online.
Use of the Products and Services offered by The Credit Department, Inc. “TCD”
Users are solely responsible for the use of online services offered on The Credit Department, Inc. “TCD”, the use of which is done at their own risk and falls entirely under their responsibility.
TCD will do its best efforts toward analyzing credit risk and collecting receivables for its clients. TCD’s credit advice is only a recommendation based upon TCD’s knowledge and experience. CLIENT hereby understands and agrees that the outcome of the credit and/or collection efforts is not guaranteed by TCD and that CLIENT will not hold TCD responsible for the amount or outcome of its credit recommendations and/or collection efforts.
Any explanatory texts provided in correspondence of the available products and services are by no means a legal opinion or replace the assistance or advice of a professional. Such texts are merely intended to facilitate use and understanding of the Product and/or Service, and are not exhaustive, nor may they fit any specific case.
The Owner is merely a technical provider of the Services and may not in any way be held responsible for such use that the User makes of the same, nor shall the Owner be responsible for the User’s achieving its purposes of use of the Service.
Content provided by the User
Users are responsible for their own content and that of third parties that they share through The Credit Department, Inc. “TCD”, that they upload and post on or through The Credit Department, Inc. “TCD”, or that they transfer by any other means. Users confirm that they have all the necessary consents from third parties whose data and/or content they share with the Owner and hereby indemnify the Owner for any liability or claim arising against the Owner in connection with illegal distribution of third-party content or unlawful use of the Service.
The Owner does not moderate the content provided by Users or by third parties but will act if complaints are received from Users or if orders are issued by the public authorities regarding content deemed offensive or illegal.
Rights over content provided by Users
The only rights granted to the Owner in relation to content provided by Users are those necessary to operate and maintain The Credit Department, Inc. “TCD” and services or products provided to Users by TCD.
Content provided by third parties
The Owner does not moderate the content or links provided by third parties before their publication on The Credit Department, Inc. “TCD”. The Owner is not responsible for the content provided by third parties or for its availability.
Services provided by third parties
Users may use third-party services or content included in The Credit Department, Inc. “TCD”, but they must be aware of these third parties’ terms and conditions and have given consent to them. Under no circumstances will the Owner be deemed liable in relation to the proper functionality or availability, or both, of third-party services.
It is understood that the Owner shall not be held responsible under any circumstances in case of loss, disclosure, theft or unauthorized use by third parties, for whatever reason, of the User’s access credentials.
Deleting User accounts and account termination
Registered Users can cancel their accounts and stop using the Service at any time, through the interface of The Credit Department, Inc. “TCD” or by directly contacting the Owner.
The Owner, in case of breach of the Terms by the User, reserves the right to suspend or terminate the User’s account at any time and without notice.
Responsibilities and duties of the User
The template generation Service provided by The Credit Department, Inc. “TCD” consists merely in providing Users with technological tools and assistance that helps them with the management of certain legal aspects of their own activities.
It remains the exclusive responsibility of the User to ensure their operations are in accordance with the applicable rules. The Service, in fact, should be understood as an instrument of mere support of the User and under no circumstances replace the advice given by an expert.
In particular, with regard to the generation of Templates, which is carried out autonomously by the User, who remains solely responsible with regard to the verification of compliance with the Template to their activities and the provisions of law.
It’s the exclusive responsibility of the User to, in addition, verify the correspondence of the Template to the characteristics of their own activities such as, purely by way of example, the factual treatment of personal data of their users.
In case of non-compliance of the Templates with the law and/or activity of the User, the User is obliged to refrain from using the Service.
The User is authorized by The Credit Department, Inc. “TCD” to use the Templates for the duration of the Service only. Therefore, when the Service ends, the User is obliged not to use and not to reproduce the Template provided by the Owner in any way.
Any reproduction in any form of the documents, if not authorized, is considered a violation of copyright of the Owner.
Appointment of The Credit Department, Inc. “TCD” as processor
Users acknowledge and accept that by using the Services offered they are engaging The Credit Department, Inc. “TCD” to process personal data as “processors” pursuant to the European personal data protection legislation. The conditions of engagement are determined by the data processing agreement attached to these terms. Such an agreement, of which the conclusion is required by law, therefore forms an integral and binding part of the contractual relationship between The Credit Department, Inc. “TCD” and its Users.
Purchase, Purchasing process
Any order placed is an offer to purchase the Service. Orders are subject to availability and are accepted at the discretion of the Owner. Users must select the desired Service, choosing the type and duration that best suit them, and check-out only after having carefully verified the information contained in the Order Summary Form of the Order. The Order is placed on confirmation of the Order and is subject to payment of the amount charged in the Order Summary.
The Order Processing Receipt does not constitute acceptance of the Order. The contract shall be concluded at the time of the Order Confirmation by the Owner to the email address provided by the User. The Owner reserves the right not to confirm an order, should one or more of the Services purchased be unavailable. In this case, the Owner will notify the User about the unavailability of the Services purchased within 5 working days from order – to the email address associated with the purchase – and will provide for a refund of any amounts paid by the User.
To place an order, Users must register on the site providing the requested data. The indicated prices include taxes, fees and charges of the law applicable. The Owner reserves the right to offer discounts and various promotions throughout the year. For more details on current promotions, the User is asked to contact the Owner via the contact information contained herein.
Some of the Services offered by The Credit Department, Inc. “TCD” may be available via recurring subscriptions. In this case, payments start from the date when Users choose a paid subscription or modify another existing payment plan. The subscription must be renewed at each payment cycle to maintain the benefits provided by the paid services.
Recurring subscriptions are renewed automatically through the payment method that the User chose at the time of purchase. The renewed subscription will last for an equal period of time as the original service period. Users may cancel automatic renewal at any time by changing their preferences for the payment method used. If the User cancels an automatic renewal, then The Credit Department, Inc. “TCD” may be forced to cancel their subscription when it runs out.
Automatic update of subscription plans
Some subscription plans available on The Credit Department, Inc. “TCD” may be automatically updated in the event that the defined use thresholds as set forth in the User’s current plan are exceeded. In these cases, the subscription plan will be automatically updated to the level that fits the User’s needs in order to ensure the continuity of the provision of the Service.
The methods of payment used correspond to the payment method the User has chosen for subscribing to the original plan. The User is obliged to check that these payment methods are valid in order to allow the automatic update of the subscription plan to function properly. If the payment methods chosen by the User result unfit or unsuitable for use, the Owner may be forced to suspend the provision of the Service.
The User is free to turn off this automatic upgrade feature through the Service interface or by contacting the Owner. In this case, however, if the User exceeds the maximum use thresholds as set forth in the chosen subscription plan and fails to independently perform the update to the respective necessary plan, the Owner might be forced to suspend the provision of the Service.
In any case, the Owner will attempt to do its best to alert the User via email upon approaching the maximum use thresholds and, therefore, about the need to update the current subscription plan.
Disabling the service, withdrawal and refund
Users may discontinue the Service at any time using the tools provided in the interface of The Credit Department, Inc. “TCD” or by contacting the Owner directly.
When disabled, Users are not allowed to claim for payments already made even if these relate to unused portions of the Service purchased.
The Owner reserves the right, however, in its sole discretion and without involving charges or obligation to Users generally, to grant reimbursement in very exceptional cases after evaluating the specific circumstances of the case.
In accordance with the right of withdrawal, the User may, within 14 days from the date of activation or payment of the Service, make a refund request, by sending notice to the Owner via the contact information provided in this document and including any information necessary to identify the purchase to which the claim relates.
Refunds will be made within 14 days after receipt of the request using the same payment method involved during the original purchase.
For more information or for assistance regarding a refund request, the User is asked to contact the Owner via the contact information provided on The Credit Department, Inc. “TCD”.
Methods of payment
The Credit Department, Inc. “TCD” uses third-party tools for its payment processing and is not connected with any of the provided payment information – such as the credit card – in any way.
If the owner of any of such third-party tools refuses to authorize a payment, the Owner cannot provide the Service and will therefore not be liable for any delay or failure to deliver.
The duration of the Service is indicated at the moment of payment of the price and confirmed in the Order Confirmation email sent by the Owner.
The exchange rate is the one established by the payment processor. In lack of such a rate, The Credit Department, Inc. “TCD” will use the rate established by the European Central Bank at the moment of the relevant transaction.
The Service is provided “as is”
The Service is provided by the Owner “as is”, with no express or implied warranty for accuracy or availability.
The Owner reserves the right to add and remove functionalities or features as well as suspend or even discontinue the Service, either temporarily or permanently. In case of final discontinuation, the Owner will do the utmost to allow Users to withdraw their information held by the Owner.
Users are not allowed to reproduce, duplicate, copy, sell, resell or exploit any portion of The Credit Department, Inc. “TCD” and of its Service without the Owner’s express prior written permission, granted either directly or through a proper reselling program.
The User agrees to indemnify and hold the Owner and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners and employees, as the case may be, harmless from and against any claim or demand, including without limitation, reasonable lawyer’s fees and costs, made by any third party due to or arising out of the User’s content, use of or connection to the Service, violation of these Terms, or violation of any third-party rights.
The Service shall be used only in accordance with these Terms.
Users may not:
reverse engineer, decompile, disassemble, modify or create derivative works based on The Credit Department, Inc. “TCD” or any portion of it;
circumvent any technology used by The Credit Department, Inc. “TCD” or its licensors to protect content accessible via it;
copy, store, edit, change, prepare any derivative work of or alter in any way any of the content provided through The Credit Department, Inc. “TCD”;
use any robot, spider, site search/retrieval application, or other automated device, process or means to access, retrieve, scrape, or index any portion of The Credit Department, Inc. “TCD” or its content;
rent, lease or sublicense The Credit Department, Inc. “TCD”;
defame, abuse, harass, use threatening practices, threaten or violate the legal rights of others in any other way (such as rights of privacy and publicity);
disseminate or publish content that is unlawful, obscene, illegitimate, defamatory or inappropriate;
the User may not copy-paste or integrate any of the Templates deviating from the instructions given by the Owner about how to incorporate the Templates themselves (eg. using tools or scripts other than those listed, etc.);
use The Credit Department, Inc. “TCD” in any other improper way that violates these Terms.
Intellectual property rights
All trademarks, nominal or figurative, and all other marks, trade names, service marks, word marks, illustrations, images, or logos that appear concerning The Credit Department, Inc. “TCD” are, and remain, the exclusive property of the Owner or its licensors and are protected by the laws in force on trademarks and by related international treaties.
Users declare themselves to be adult according to their applicable legislation. Under no circumstance may persons under the age of 18 use The Credit Department, Inc. “TCD”.
Limitations of liability
The Credit Department, Inc. “TCD” and all functions accessible through The Credit Department, Inc. “TCD” are made available to the Users under the terms and conditions of the Agreement, without any warranty, express or implied, that is not required by law. In particular, there is no guarantee of suitability of the services offered for the User’s specific goals. The Credit Department, Inc. “TCD” and functions accessible through The Credit Department, Inc. “TCD” are used by the Users at their own risk and under their own responsibility.
The Owner, within the limits of applicable law, is liable for contractual and non-contractual damages to Users or third parties only by way of intent or gross negligence, when these are immediate and direct consequences of the activity of The Credit Department, Inc. “TCD”. Therefore, the Owner shall not be liable for:
Any losses that are a not direct consequence of the breach of the Agreement by the Owner;
Any loss of business opportunities and any other loss, even indirect, that may be incurred by the User (such as, but not limited to, trading losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, etc.);
Damages or losses resulting from interruptions or malfunctions of The Credit Department, Inc. “TCD” due to acts of force majeure, or at least to unforeseen and unforeseeable events and, in any case, independent of the will and extraneous to the Owner’s control, such as, by way of example but not limited to, failures or disruptions of telephone or electrical lines, the Internet and / or other means of transmission, unavailability of websites, strikes, natural disasters, viruses and cyber attacks, interruptions in the delivery of products, third party services or applications;
Incorrect or unsuitable use of The Credit Department, Inc. “TCD” by Users or third parties.
Changes to these Terms
The Owner reserves the right to modify these Terms at any time, informing Users by publishing a notice within The Credit Department, Inc. “TCD”.
Users who continue to use The Credit Department, Inc. “TCD” after the publication of the changes accept the new Terms in their entirety.
Assignment of contract
The Owner reserves the right to transfer, assign, dispose of by novation or subcontract all or any rights or obligations under these Terms, as long as the User’s rights under the Terms are not affected.
Users may not assign or transfer their rights or obligations under these Terms in any way without the written permission of the Owner.
All communications relating to The Credit Department, Inc. “TCD” must be sent using the contacts stated in this document.
If any provision of these Terms is invalid or unenforceable, that clause will be removed and the remaining provisions shall not be affected and they will remain in force.
Governing law and jurisdiction
These Terms and any dispute concerning the implementation, interpretation and validity of this agreement are subject to the law, the jurisdiction of the state and to the exclusive jurisdiction of the courts where the Owner has their registered offices. An exception to this rule applies in cases, where the law provides a sole place of jurisdiction for consumers.
Online dispute resolution for consumers
Businesses located in Europe must be aware that the European Commission has established an online platform for alternative dispute resolutions that provides for an out-of-court method to solve any dispute related to and stemming from online sale and service contracts. As a consequence, if you are a European consumer, you can use such platform for resolving any dispute stemming from the online contract entered into with the Owner. The platform is available at the following link.
The Owner is available for any questions via the email address posted under the Owner’s information in this document.
Definitions and legal references
Latest update: September 25, 2019
The Credit Department, Inc. “TCD” hosts this content and only collects the Personal Data strictly necessary for it to be provided.