Rising Star Financial Services (referred to herein as the "Rising Star"), a subsidiary of Divine Frequencies, LLC Website Terms of Use
Welcome! Please read the following Terms of Use carefully. These apply to YOU when you view, access, click onto, sign up for any of our programs, or otherwise use the web site located at www.risingstarfinancialservices.com (referred to herein as the "Site"). By using this Website, you acknowledge that you have read and agree to be bound by these Terms of Use.
Legal Name, Address, and Ownership
This Site is owned by Rising Star Financial Services (referred to herein as the "Rising Star"), a subsidiary of Divine Frequencies, LLC,. By your access to this Site, we hereby grant you a nonexclusive, nontransferable, limited right to access, use and display the Site and any of its content, provided that you comply fully with these Terms of Use.
Notice
All materials and software published and displayed on this Site are owned or controlled by Rising Star, or by the party specifically identified as the provider of those materials or software. UNAUTHORIZED COPYING, REPRODUCTION, REPUBLISHING, DOWNLOADING, EXPORTING, TRANSMITTING OR DUPLICATING OF ANY OF THE MATERIALS and/or SOFTWARE IS PROHIBITED. You may download any downloadable materials displayed on the Site only for personal, noncommercial and informational purposes, provided that the documents are not modified and provided you maintain and abide by all notices contained in such materials. All rights are reserved. All use is subject to Terms of Use set forth at http:www.risingstarfinancialservices.com.
Commercial Use of Site Materials Is Prohibited
Reproduction, copying, or redistribution of materials on the SGC Site for commercial purposes is prohibited without the express written permission of . Rising Star reserves the right to refuse permission to copy, distribute, broadcast, or publish any of its forms, material, or other content, including images.
Links to Other Sites and Third Party Providers
Links may appear on the Site that may be used to link you to other Site(s). These links are provided solely as a courtesy and convenience to our Site visitors. Rising Star has no control over the linked Sites or the materials, information, goods or services available or contained on these linked Sites. Rising Star is not responsible for and does not endorse or warrant in any way any materials, information, goods or services available through such linked Sites or any privacy or other practices of such Sites. If you decide to access any of the linked Sites, you do so entirely at your own risk. Rising Star reserves the right to terminate any link at any time.
Privacy
Your use of the Site including signing up for any program or service on the site constitutes your consent to Rising Star’s privacy policy as may be posted from time to time on the Site. Rising Star has developed, produced, and maintained this Site for the sole purposes of providing information and promoting its services. This Site is not designed to collect information, directly or indirectly (by way of “cookies” or otherwise), from those using or accessing this Site, although Rising Star reserves the right to change, revise, or otherwise modify this Site in the future so that users of the Site may input or otherwise enter information during their use of this Site. If Rising Star does so change, revise, or otherwise modify this Site, due Notice shall be given and these Terms of Use will be so modified and revised.
Prohibited Actions
You agree not to interrupt, or attempt to interrupt, the operation of the Site in any way. Unauthorized use or modification of any information stored on the Site may result in criminal and/or civil prosecution under Federal, State and local law. You may not use our Site for any reason other than a lawful and legitimate purpose. You agree not to use the Site to carry out any unauthorized alteration of any data or information on the Site or to conduct any activity that infringes on the copyright, patent, trademark, service mark or other rights of any person or entity. You shall not restrict or inhibit any other user from using and enjoying any service conducted on the Site. The Site is not intended for use by anyone under legal age to enter into a binding contract or agreement. We reserve the right to limit or deny your access to the Site, or take other appropriate action, if you violate any provision of these Terms of Use or if you conduct any activity that violates the rights of any person or entity, or that we in our sole discretion deem unlawful, offensive, malicious, threatening, abusive, oppressive, or potentially injurious or harmful in any way.
Modification of Terms of Use
Rising Star reserves the right to revise these Terms of Use at any time by updating this posting. Your continued use of the Site constitutes your agreement to comply with any such revisions. Please revisit this page periodically to stay currently apprised. Email May Not Be Used to Provide Legal Notice. Communications made through the Site's e-mail and messaging system shall in no way be deemed to constitute legal notice to Rising Star or any of its officers, employees, attorneys, agents or representatives, in those instances where notice to Rising Star is required by contract, or any federal, state or local laws, rules or regulations.
Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL RISING STAR BE LIABLE TO ANY USER ON ACCOUNT OF THAT USER’S USE OR MISUSE OF, OR RELIANCE ON, THE Rising Star SERVICES, FORMS, OR INFORMATION DISPLAYED ON THIS SITE, OR ARISING FROM ANY CLAIM RELATING TO THIS AGREEMENT OR THE SUBJECT MATTER HEREOF. THIS LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT OF THE LAW TO PREVENT RECOVERY OF DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, AND EXEMPLARY DAMAGES AND WHETHER ANY SUCH CLAIM IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, OR OTHERWISE. Rising Star expressly disclaims all liability for any contamination of your computer system or any other device you may use to access this Site arising from, or as a result of, your use of this Site; and Rising Star expressly disclaims all liability for actions taken or not taken based on any or all of the contents of this Site.
Applicable Law and Venue
Rising Star operates this Site from its offices in California and makes no representations that any forms, materials or other content in the Site is, or may be appropriate or available for use in other locations. The display of the Site alone does not subject Rising Star to any specific jurisdiction. Access to the Site from any place where any of the content may be considered illegal is prohibited. If you choose to access the Site from locations other than the State of California, you do so at your own risk and are solely responsible for compliance with any and all applicable laws, rules and regulations. You may not use or export any of the Site materials in violation of U.S. export laws and regulations. Any claim related to the use of the Site or to the Site materials shall be governed by, construed, and enforced in accordance with the laws of the State of California as applied to agreements made and to be performed entirely therein. Any action arising out of, or related to, the access, use, content, or existence of this Site shall be filed only in the state or federal court located within the State of California having appropriate jurisdiction. The access, viewing, or use of this Site constitutes the user's express permission and consent to the jurisdiction of the state and/or federal courts within the State of California for purposes of such actions.
Rising Star Financial Services, a subsidiary of Divine Frequencies, LLC Customer Privacy Policy*
Protecting your privacy is extremely important to Rising Star Financial Services. We strive to keep your personal information confidential. By ensuring that you are aware of and understand Rising Star Financial Services Client Privacy Policy, we can provide you with better service. Please take a moment to read the following policy to learn how we handle your personal information.
Why we collect personal information
We collect personal information to enroll you in our service. The information we require is the absolute minimum necessary. Rising Star Financial Services uses your personal information to provide you with superior customer service, and to communicate with you regarding your case. In addition, we use your personal information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about, from time to time.
How we collect personal information
We collect information about you at the time you sign up for our service, and any time we enter information from your credit report into our database. In addition, when you sign up for Rising Star Financial Services, or ask to be included in an email mailing list, we collect and store the information you provide in a secure database.
When we disclose personal information
Because the ability to communicate with our clients during any part of the credit recovery process is absolutely essential, your personal information may be shared with other of The Rising Star Financial Services employees. They will protect your personal information in accordance with the Lexington Customer Privacy Policy. Rising Star Financial Services will not share your personal contact information with other companies unless you specify otherwise.
Rising Star Financial Services works with other companies that help us provide various relevant services to you, and we may provide your personal information to these companies. For example, should we need to forward written documents to you, we give shipping companies this information so they can deliver more efficiently. The information they receive is for shipping and delivery purposes only, and we require that the companies safeguard your personal information in accordance with Rising Star Financial Services policies.
How we protect your personal information
Rising Star Financial Services safeguards the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet.
Rising Star Financial Services web site uses industry-standard Secure Sockets Layer (SSL) encryption on all web pages where personal information is required. To sign up for Rising Star's services, or to log into the web site, you must use an SSL-enabled browser such as Netscape Navigator 3.0 or later, or Internet Explorer. This protects the confidentiality of your personal and credit card or checking account information while it is transmitted over the Internet.
Collecting other personal information
When you browse Rising Star Financial Services web site, you are able to do so anonymously. Generally, we don’t collect personal information when you browse — not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using.
Like many web sites, The Rising Star Financial Services web site uses “cookie” technology. When you first connect to our site, the cookie identifies your browser with a unique, random number. The cookies we use do not reveal any personal information about you, except perhaps your first name so we can welcome you on your next visit. Cookies help us understand which parts of our web sites are the most popular, where our visitors are going, and how long they spend there. We use cookies to study traffic patterns on our site so we can make the site even better.
We may use third-party advertising companies to serve ads on our site. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.
In some of our email to you, we use a “click-through URL.” When you click one of these URLs, you pass through our web server before arriving at the web site that is your destination. We track click-throughs to help us determine your interest in particular topics and measure the effectiveness of our customer communications.
We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.
Our companywide commitment to privacy
To make sure your personal information remains confidential, we communicate these privacy guidelines to every Rising Star Financial Services employee and staff member.
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Rising Star Financial Services does not knowingly solicit personal information from children or send them requests for personal information.
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The Rising Star Financial Services web site does contain links to other sites. Rising Star Financial Services does not share your personal information with those web sites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies.
- If we are going to use your personal information differently from that stated at the time of collection, we will try to contact you via email using the most recent information we have. If you have not given us permission to communicate with you, you will not be contacted, nor will we use your personal information in a new manner.
The Rising Star Financial Services Customer Privacy Policy is subject to change at any time. We encourage you to review the privacy policy regularly for any changes.
*Last updated April, 2007
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW:
You have a right to dispute inaccurate information in you credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of iformation in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. however, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then re investigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
- The Federal Trade Commission regulates credit bureau and credit
- repair organizations. For more information contact: The Public
- Reference Branch, Federal Trade Commission, Washington, D.C. 20580.
- Twenty-nine percent (29%) of the credit reports
- contained serious errors, false delinquencies or accounts that
- did not belong to the consumer.
- Forty-one percent (41%) contained demographic
- information that was misspelled, outdated or incorrect.
- Twenty percent (20%) were missing major credit,
- loan, mortgage, or other information to demonstrate the credit
- worthiness of the consumer.
- Twenty-six percent (26%) contained accounts
- that were closed by the consumer but incorrectly listed as open.
- Although 70% of the credit reports contained errors or mistakes
