Terms & Conditions

Last Updated: 03/16/2024 

You and Endless Means, LLC (the “Company,” “we,” or “us”) agree to the following terms and conditions of use (“Terms”).

These Terms govern your use of the website www.endlessmeans.com (the “Website”), including all materials, resources, information, and services thereon, whether as a guest or a registered user. They also supersede any other documents expressly incorporated by reference. Your use of the Website and access to it are subject to your acceptance of and compliance with these Terms. All users who use or use the Website, including visitors, customers, and others, are subject to these Terms.  

You agree to be governed by these Terms without modification and acknowledge reading them by accessing or using the Website. You may not use the Website if you disagree with any provision of the Terms.

You acknowledge that by using this website, you are agreeing to be governed by these Terms of Use, all relevant laws, and regulations, and that it is your responsibility to comply with any local laws that may be in force in your area. You are not allowed to use or access this website if you disagree with any of these terms. This website’s contents are shielded by relevant copyright and trademark laws. You also acknowledge that our products, content, services, and materials,  are non-refundable. Also, once you have logged in by using this courses’ website you are not entitled for a refund. This policy is due to the nature of our products, content, and materials, which are either based on imparting knowledge – something that cannot be reversed once learned – or are digital products that cannot be physically returned. Therefore, there are no refunds!

DISCLAIMER 

Additionally, you must abide by the Company’s Disclaimer when using the Website. Please read our Disclaimer in the Website’s footer and/or on the website itself, which also governs the Website and notifies visitors of a number of restrictions on the information offered there. By accepting these Terms, you are agreeing to the Disclaimer.

PRIVACY POLICY

Additionally, the Company’s Privacy Policy governs how you use the website. Please take a look at our Privacy Policy, which also controls the website and lets users know how we gather their data, which is located in the footer of the website. These Terms now include your consent to the Privacy Policy. 

 

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, you do not have 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 information 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.

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 reinvestigate 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 bureau’s 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 bureaus and credit repair organizations. For more information contact:

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580

 

USAGE OF WEBSITE

 You must be 18 years of age or older and possess the necessary power and authority to agree to these Terms in order to access or use the Website. The Website is not intended for use by anyone under the age of 18. Resources offered on the website and any information supplied therein that may be downloaded from the website are both subject to change. The Company does not represent or warrant that the information is correct, complete, dependable, up-to-date, or error-free, regardless of where it came from. The Company expressly disclaims all responsibility for any inaccuracy, mistake, or gap in the information provided. 

The Company retains the right, at any time and without prior notice, to discontinue or change this Website, any services offered through it, and any materials posted on. If the Website is ever completely or partially inaccessible for whatever reason, the Company will not be held responsible. The Company may occasionally deny users, including registered users, access to some portions or the entire website.

AUTHORIZED PURPOSES

The Website may only be used for authorized purposes. You acknowledge that you, or anyone acting on your behalf, will be held financially accountable for all purchases made on the Website. You acknowledge that you will only use the website for legal, non-commercial purposes when using it and when making purchases through it. You are forbidden from posting or sending through the Website any content that violates or infringes upon the rights of others, or that is threatening, abusive, defamatory, libelous, invasive of privacy or publicity rights, vulgar, obscene, profane, or otherwise objectionable, contains harmful formulas, recipes, or instructions, or otherwise encourages behavior that would be illegal, give rise to civil liability, or infringe upon the rights of others.

USE OF FREE DOWNLOADABLE MATERIALS

The Company may offer users access to materials on this website in exchange for an email address (“Gated Content”). For your own internal business use, the Company thus provides you a personal, restricted, non-exclusive, and non-transferable license to use the Gated Content. Except as otherwise stated, you acknowledge and agree that you have no right to alter, augment, reverse engineer, copy, reproduce, create derivative works of, or otherwise use any of the Gated Content.

You acknowledge that the Gated Content may only be accessed or downloaded for your own personal or internal business use and may not be shared or sold without the express written agreement of the Company.

By accessing and downloading the Gated Content, you also agree that you will not alter the Gated Content in any way or offer any competing goods or services based on any of the information in the Gated Content.

INFORMATION YOU PROVIDE TO THE WEBSITE

You are granting the Company, our affiliated businesses, and any necessary sublicensees a worldwide, nonexclusive, irrevocable license to use your Submission for advertising, business development, and marketing purposes by posting, uploading, submitting, inputting, providing, or otherwise making it available any artwork, photos, written works, or other media, including feedback and suggestions (collectively, “Submissions”). This license includes, without limitation, the right to copy, distribute, publicly perform, publicly display, publicly perform, create derivative works.

We make no claims of ownership over the Submissions you send to the Company. All copyrights and other legal rights in any Submissions you provide through the Website are your property.

Without the express written consent of the owner of the copyright, trademark, or other proprietary right, you may not upload, post, submit, input, or otherwise make available on the Website any Submissions protected by copyright, trademark, or other proprietary right. It is your responsibility to determine whether any Submissions are not so protected. In the event that any copyright, trademark, or other proprietary rights are violated by a Submission, you are responsible for any resultant harm.

You automatically represent and warrant, with respect to all Submissions you make to the Website, that you are the sole owner of, or otherwise have all necessary rights to use and distribute, the Submission as described in this section, and that using or displaying the Submission in the manner contemplated by this section will not violate any applicable law, rule, regulation, or the rights of any third party. You acknowledge that by submitting Submissions through the Website, you may expose yourself to allegations of copyright infringement or other legal trouble, and you agree to indemnify the Company from all such claims, penalties, and costs.

 Additionally, you give us permission to use your submission for any other reason we deem appropriate or necessary, including the improvement of our website, products, and services, without having to compensate you in any way. Your Submissions are not required to be posted or used by the Company, and the Company has the right to remove any Submission at any time in its sole discretion. If you do offer us unsolicited ideas, the ideas will be regarded as non-confidential, and we are not obligated to give any sort of source acknowledgment.

OUR INTELLECTUAL PROPERTY 

The Website includes trademarks, copyrights, confidential information, and other intellectual property that belongs to the Company. We reserve all ownership rights to the content, graphics, photos, videos, designs, and packages that are protected by our common law and registered trademarks, service marks, copyrights, and other intellectual property rights (collectively, “IP”). Without our prior written approval, you are not permitted to alter, publish, transmit, take part in the transfer or sale of, create derivative works from, distribute, exhibit, reproduce, or perform, or in any other way exploit, in whole or in part, any of our intellectual property. If you are found to be in violation of this intellectual property policy, we reserve the right to immediately prohibit your access to the Website and terminate your participation in any service without compensation.

For as long as you strictly abide by these Terms of Use, you are given a non-exclusive, non-transferable, revocable license to access and use the Website and the resources you can download from it (the “Content”).

You guarantee to the Company that you will not use the Content for any purposes that are illegal or against the letter of these Terms as a condition of your use of the Website. You are not permitted to use the Content in any way that would impede someone else from using and enjoying the website or harm, disable, overburden, or impair the website. It is prohibited for you to use any methods that the Website has not specifically made available or made provision for in order to obtain or attempt to obtain any materials or information.

All materials that make up the Content, including text, graphics, logos, and images, as well as their compilation and any software used on the Website, are the property of the Company or its suppliers and are shielded from infringement by copyright laws and other proprietary and intellectual property laws. You acknowledge that any such content may contain copyright and other proprietary notices, markings, or other limitations and that you will not alter such content in any way. 

No Content, in whole or in part, shall be subject to modification, publication, transmission, reverse engineering, participation in the transfer or sale, creation of derivative works, or other form of exploitation.

No one may sell the Content. In particular, you will not remove or change any property rights or attribution notices in the Content. Your use of the Content does not give you the right to use any protected content in an illegal manner. You will only use protected content for your personal use, and you won’t use it for any other purposes without first getting the owner of the copyright and the company’s express written consent. You acknowledge that you don’t gain any ownership stake in any protected content. Except as specifically provided for in these Terms, we do not give you any implicit or express licenses with respect to the intellectual property of the Company or its licensors. 

The Company or its affiliates or licensors are the owners of the Company name, the Company logo, the Company slogan, and all related names, logos, product and service names, designs, and slogans. Without the Company’s prior written consent, you may not use such marks. On this website, any other names, logos, product and service names, designs, and slogans are the property of their respective trademark owners.

MODIFIED TERMS

These Terms, as well as our Privacy Policy and Disclaimers, are subject to change at any moment. The “Last updated” date at the top of this page will show the date of the most recent revision. These changes take effect right away when we notify you by posting the revised Terms on this website. These Terms may be updated at any moment, along with any other part of our website. You are deemed to have accepted the updated Terms, Privacy Policy, and Disclaimers if you continue to use our website after we’ve made changes.

WARRANTIES

While we take every precaution to ensure that the information on this Website is error-free, we do not provide any warranty or other assurance regarding the accuracy, completeness, timeliness, or suitability of the information and materials on this site beyond what is necessary to maintain the site. To the fullest extent permitted by law, we disclaim all warranties, representations, and guarantees of any kind, whether express, implied, statutory, or otherwise, including but not limited to warranties of non-infringement, merchantability, or fitness for a specific purpose. We provide our website and related information and services on a “AS IS” AND “AS AVAILABLE” BASIS. 

LIMITATIONS ON LIABILITY

You acknowledge and agree that WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR OTHER DAMAGES RESULTING FROM YOUR USE OF THE WEBSITE OR ANY RESOURCES, PRODUCTS, OR SERVICES AVAILABLE THROUGH THE WEBSITE.

ADDITIONALLY, THE COMPANY IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH (I) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE; (II) LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; AND (III) THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED

ACCESS TO, ALTERATION OF, OR USE OF YOUR INFORMATION OR PROPERTY, REGARDLESS OF OUR NEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE AND WHETHER SUCH LIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGAL LIABILITY, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES.

IN THOSE STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW. IN NO EVENT SHALL THE COMPANY’S TOTAL LIABILITY TO YOU EXCEED THE TOTAL PURCHASE PRICE OF ANY PRODUCTS OR SERVICES YOU HAVE PURCHASED FROM THE COMPANY.

AVAILABILITY 

Your access to the Website and any related services may occasionally be interrupted or delayed. We and our service providers do not guarantee that our Website or any connected resources or services will be error-free, uninterrupted or delayed, or free from design flaws due to the nature of the Internet and electronic communications. Should our Website or the materials or services made accessible through it become unavailable, interrupted, or delayed for any reason, we will not be liable to you.

MALICIOUS CODE

Although we endeavor to prevent the introduction of viruses or other malicious code

(“malicious code”) to our Website, we do not guarantee or warrant that our Website, or any data available on the Website, does not contain malicious code. We will not be liable for any damages or harm attributable to malicious code. You are responsible for ensuring that the process you employ for accessing our Website does not expose your computer system to the risk of interference or damage from malicious code.

SECURITY

Your contact information’s security is extremely important to us.  You are aware of the possibility of unauthorized access to or manipulation of your data, nevertheless. For any losses you could suffer as a result of such unauthorized access or alteration, we do not accept responsibility or obligation of any kind.  You undertake all responsibility and risks associated with your use of this Website and the internet, and any information sent to or received from you is done at your own risk. We disclaim all liability for any disruption or harm to your computer system that may result from your access to this website or any outbound links.

THIRD PARTY RESOURCES

Links to other websites and online resources are available on the website. You understand and accept that we are not accountable or responsible for the accuracy, policy, availability, or content of any third-party websites or resources. Links to such websites or resources do not imply that the Company is endorsing them or that it is affiliated with them. You accept full responsibility for using any such websites or resources and all associated risks.

The company might occasionally publish a guest post or conduct an interview with a third party in written, audio, video, or another format. The Company has no control over the information shared by these third-party visitors, is not liable for verifying the accuracy of any information shared, and cannot vouch for the truthfulness of any assertions made by such visitors. 

CALIFORNIA USERS & RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

INDEMNIFICATION

You agree to hold us harmless and indemnify us from and against any and all losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third-party claims and causes of action, including without limitation, legal fees, resulting from any violation of these Terms by you, your use of the Website, its content, and any product or service you purchase from the Website, or your failure to keep your password confidential and secure. 

You must offer us any free assistance we may ask for in connection with any such defense, including, without limitation, giving us access to your records, information, and information about others as we reasonably believe necessary. Without our prior written approval, you are not permitted to give up any defenses or resolve any third-party claims.

EFFECT OF HEADINGS; SEVERABILITY

The subject headings of the paragraphs and subparagraphs of these Terms are included for convenience only and shall not affect the construction or interpretation of any of its provisions. If any portion of these Terms are held to be unenforceable or contrary to law, such portion shall be construed in accordance with applicable law so as to best accomplish the objectives of the original provision to the fullest extent allowed by law, and the remainder of the provisions shall remain in full force and effect.

ENTIRE AGREEMENT; WAIVER

These Terms, together with the Privacy Policy and Disclaimers, constitute the entire agreement between you and the Company pertaining to the Website and supersedes all prior and contemporaneous agreements, representations, and understandings between us. Any waiver by us of a breach of or right under these Terms will not constitute a waiver of any other or subsequent breach or right. No waiver shall be binding unless executed in writing by the Company. 

GOVERNING LAW; JURISDICTION; MEDIATION

These Terms, including with the Privacy Policy and Disclaimers shall be construed in accordance with, and governed by, the laws of the State of New York and the courts of New York shall have jurisdiction to hear and determine any dispute arising in relation to these Terms. You agree that any proceeding relating to use of this site must be filed exclusively in the appropriate courts located in New York and you submit to the jurisdiction of those courts and waive any objection based on an inconvenient forum or other reasons. The parties agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms by mediation. The parties further agree that their respective good faith participation in mediation is a condition precedent to pursuing any other available legal or equitable remedy, including litigation, arbitration, or other dispute resolution procedures.

ALL RIGHTS RESERVED

All rights not expressly granted in these Terms are reserved by us. If you do not see a usage scenario here that applies to your intended usage contact us at support@endlessmeans.com.

COMPANY IS NOT A CREDIT REPAIR ORGANIZATION.

Endless Means is not a credit repair organization, or similarly regulated organization under other applicable law and does not provide any form of credit repair advice or counseling. Rather Endless Means provides the consumer with materials that should be used for informational purposes only and other credit-related information services.

CONTACT INFORMATION

The owner of this website is Endless Means, LLC. You may contact us by email at support@endlessmeans.com or by mail at 99 Hudson Street, 5th Floor, New York, PMB 6050 New York 10013.