Updated May 31, 2022
Credit to Cash and Cr3dit2Cash will be used interchangeably
Credit to cash helps individuals looking for fast cash without the exorbitant interest rates and hidden fees.
Cr3dit2cash services may not be made and used for any fraudulent, criminal or illegal activity as defined by the law.
By using the Cr3dit2Cash Services, you agree to indemnify, hold harmless and defend Credit to Cash and its subsidiaries, affiliates, shareholders, officers, directors, agents, licensors, suppliers, other partners, employees, and representatives from any claims, damages, losses, liabilities, and all costs and expenses of defense, including but not limited to, attorneys' fees, resulting directly or indirectly from a claim by a third party that arises in connection with Your use of the Services, including but not limited to ( a) acts and/or omissions on or off the Website; (b) violation of any rights of another, including without limitation any alleged infringement of intellectual property or other right of any person or entity relating to the Website; (c) breach of these Terms; (d) disputes with or between other Users; (e) use and/or misuse of the Website, including without limitation any information, content and/or materials thereon; (f) violation of any applicable law or regulation; (g) inaccurate, untimely, incomplete or misleading User information, including without limitation with respect to registration, profile or eligibility; (h) misstatements and/or misrepresentations; (i) use of links to third party websites, including without limitation such websites' availability, terms of use, privacy policy, information, content, materials, advertising, products and/or services; (j) User information and any acts or omissions with respect to such User information; (k) use of any information in third-party reports; (l) use of third-party payment processing services; (m) use of phone support services; and/or (n) use of any services or products or any contracts or arrangements made or provided based on information, content and/or materials obtained on or through the Website. You further agree that you will cooperate as requested by Credit to Cash in the defense of such claims. Credit to Cash reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by Users, and you shall not, in any event, settle any claim or matter on behalf of Credit to Cash without the written consent of Credit to Cash.
By using Cr3dit2Cash Services, you agree to input accurate bank/Gcash information for proper transfer of converted funds.
Transfer of funds usually takes between 24 and 72hrs. It may take more depending on the volume and amount of transactions. Bank Holidays can also affect the processing times. You Agree that any inaccurate information for transfer of funds will be irreversibly lost and nonrefundable.
By using Cr3dit2Cash Services, you agree to forward any changes, updates and inquiries to support@cr3dit2cash.com
Credit to Cash COOKIES POLICY
Updated: September 13, 2021
Credit to Cash does use cookies
Pursuant to the section Cookies and Tracking Technologies of our Privacy Policy, Credit to Cash ("us", "we", or "our") use cookies and other technologies on the http://www.Credit to Cash.com website and the Credit to Cash mobile application (the "Services"). By using the Services and clicking the respective buttons on our banners, you consent to the use of cookies for the purposes we describe in this policy.
Cookies are…
Those small files comprising bits of text are installed on your computer or mobile device each time you open the respective Service. They enable our server to provide you with the information that is customized with your needs when you use some service for the next time. Usually, your browser tells our systems if any cookies files were installed in your computer and as a result, we may analyze the information the cookies files give us.
Kinds of cookies and why Credit to Cash uses them
Credit to Cash uses the cookies for the following purposes when entering the Service:
- To enhance your user experience: it enables Credit to Cash to keep you signed in if you wish,
so there is no need for you to reenter the sign in information each time you come to Credit to Cash Services.
- To enable us to see your actions and preferences on the Services, analyze this information
and provide you more relevant information on the Services you are currently using or may use.
- To enable the behavioral advertising: if you searched something or someone on our
Services some time ago, the cookies remembered that and would remind you on your related needs later.
More specifically, here are the categories of cookies and description of their nature and purposes:
| Categories of Use | Description |
|---|---|
| Authentication | If you’re signed in to Credit to Cash, cookies help us to customize and enhance your experience on our Services. |
| Preferences, features and services | Cookies can tell us which language you prefer and what your communications preferences are. |
| Performance, Analytics and Research | Cookies help us learn how well our site and plugins perform in different locations. We also use cookies to understand, improve, and research products, features, and services. |
| Geographic location information | We may use this information to improve the quality, security, and relevance of our services and for other business purposes. |
| Advertising | Credit to Cash may use cookies in order to provide you with more relevant advertising when you use the Services. Cookies will enable us to know more about your prior visits on Credit to Cash and your activity within Credit to Cash, including the date and time of visits, time spent on the Website as well as the pages viewed and websites previously visited. Credit to Cash may process such data through the external services, including but not limited to Adwords. |
Further opting-out from the use of cookies
If you'd like to delete cookies or instruct your web browser to delete or refuse cookies,
please visit the help pages of your web browser as specified below (separate support pages for each browser).
Please note, however, that if you delete cookies or refuse to accept them, you might not be able to
use all of the features we offer, you may not be able to store your preferences, and some of our pages might
not display properly, since the Services will no longer be personalized to you. It may also stop you from saving
customized settings.
If you use Credit to Cash without changing your browser settings, we’ll assume
that you’re happy to receive all cookies within our Services.
Find more information about cookies
You can learn more about cookies and the following third-party websites:
- AllAboutCookies: http://www.allaboutcookies.org/
- Network Advertising Initiative: http://www.networkadvertising.org/
Credit to Cash TERMS OF SERVICE
Updated: May 25, 2022
Welcome to Credit to Cash!
Please read these Terms of Service carefully before using the Website and/or Services. If you do not accept these Terms of Service, including the agreement to arbitrate on an individual basis any claims between you and Credit to Cash, please, do not use the Website or otherwise use the Services.
1. GENERAL INFORMATION
1.1 Terms of Service
These Terms of Service (hereinafter - the “Terms”) describe the terms and conditions applicable to your access and use of the website and the website software related mobile device application made available through or in connection with the “Services”. The Credit to Cash website means www.cr3dit2cash.com, and its sub-domains (the “Website”) and is an online and mobile platform intended to be used users looking to convert their available credit to cash. Throughout these Terms “you” or “your” may refer as applicable to the individual user, each Professional or Company accessing or using any of our Services (each the "User").
Use of the Services of Credit to Cash (as defined above) is subject to these Terms of Service (the “Terms”) and any other rules or policies that are published on the Website that apply to specific activities in which you participate.
You agree that by using Services and providing the respective consent, you are agreeing to enter into a legally binding contract with Credit to Cash and indicate your unconditional acceptance of these Terms by you who uses our Services.
You are entering into these Terms with Cr3dit2cash (referred to as “Credit to Cash”, “we” or “us”). These Terms, as well as the Refund and Payment Policy, Privacy Policy, Cookies Policy and Credit to Cash Blog Policy are legally binding agreements governing relationship between Credit to Cash and any User or visitor of the Website and Services.
As a User or a visitor of our Services, the collection, use and sharing of your personal data is subject to the Privacy Policy, Cookies Policy and Credit to Cash Blog Policy and the respective updates. For more information about when, where, and why we collect personal data, how we use it, the conditions under which we may disclose it to others, your rights in respect of your personal data, please refer to our Privacy Policy and/or Credit to Cash Blog Policy.
1.2 Services of Credit to Cash
You may be accessing and using the Website, Service and Software of Credit to Cash as (i) a Student, (ii) a Parent, (iii) a Professional, (iv) a Company or (v) a visitor simply using the functionality, including that of the Blog, and/or reviewing the content, that is publicly available on the Website.
1.2 Amendments to these Terms
We reserve the right to change these Terms from time to time for any reason by posting of the updated Terms to our Website with indication of the modification date at the top of this page. Please check this page to ensure that you’re happy with any changes. By continuing to use the Services following amendment of these Terms, you consent to be bound by the Terms as amended.
2. OBLIGATIONS
2.1 Services Eligibility
Credit to Cash Services are available only to Users who are 18 years and older and who can form legally binding contracts under applicable law, and by Users who are under the age of 18 in conjunction with and under the supervision of a Parent/Guardian. In this case, the Parent/Guardian is responsible for any and all activities of the User.
2.2 Privacy
You may use the Website and Blog without providing personally identifiable information. To use the Services we may require that you provide us consensually your personal data. Please refer to our Privacy Policy additional information on our practices for handling, processing and securing user’s personal data. When you choose to register for or participate in Services or other events in relation to the Services, you agree that you will provide accurate, complete, and up to date personal data as requested on the screens that collect information from you.
2.3 Payment
We use third party payment services (Braintree, PayPal, Skrill, Payoneer, Stripe) to bill you, as Users, through an online account payment in lieu of directly processing your credit/debit card information. Please read more about the privacy security in our Privacy Policy. These payment services are enabling your transfer and receipt of funds as payment for Services provided on the Website. If you make payments via our Website or through any related service, you agree that your activities are subject to our additional payment terms specified in the Refund and Payment Policy
3. RIGHTS AND LIMITS
3.1 Your License to Credit to Cash
In case you are a User, Credit to Cash hereby grants to you, on the Terms set forth herein, a non- transferable, non-sublicensable, non-exclusive, limited right to access and use the Services and the Software solely for your non-commercial, personal use and subject to the policies and restrictions that we post on our Website from time to time.
In case you are a Professional, Credit to Cash hereby grants to you, on the Terms set forth herein, a non- transferable, non-sublicensable, non-exclusive, limited right to access and use the Services and the Software solely for the delivery of your personal services to the Users and subject to the policies and restrictions that we post on our Website from time to time.
You agree not to view, copy, or procure content or information from the Website and Software by automated means (such as scripts, bots, spiders, crawlers, or scrapers), or to use other data mining technology or processes to frame, mask, extract data or other materials from the Website and Software (except as may be a result of standard search engine or Internet browser usage), unless formally authorized by Credit to Cash under separate written agreement.
No materials from the Services may be copied, reproduced, modified, republished, downloaded, uploaded, posted, transmitted, or distributed in any form or by any means without Credit to Cash's prior written permission or as expressly provided in these Terms.
Where you purchase a subscription or a license to access the Services, you may not share that subscription or license with others.
Credit to Cash may impose reasonable limits on your scope of access to the Services, including limits on time or number of information accessed or devices used to access such Services, to prevent unauthorized third party access to or use of the Services.
All rights not expressly granted herein are reserved.
3.2 Your Account
Certain of our Services are reserved for registered Users on our Website. To become a registered User you must register on our Website for login credentials to be provided or enabled by Credit to Cash (“Login Credentials”) based on the type of access applicable to your use of the Website (whether User or Professional). You agree that you are responsible for protecting your Login Credentials from unauthorized use, and you are responsible for all activity that occurs under those Login Credentials. You agree to notify us immediately if you believe that any of your Login Credentials have been or may be used without your permission so that appropriate action can be taken.
You may use the Blog and its features without a registered user status. This shall not preclude the application of these Terms and other Credit to Cash’s applicable documents to your use of Blog, in particular when you submit your article(s) or leave comment(s) on the Blog.
You may not (i) create more than two accounts to access the Website, (ii) share your Login Credentials with any third party nor (iii) transfer your account to any third party. Credit to Cash is not responsible for any loss or damage caused by, or expense incurred by you as a result of, your failure to safeguard your Login Credentials. You agree that you shall not rent, resell, or remarket the Website, or provide access to the Services to any third party. We are not responsible for losses or damage caused by your failure to safeguard your login and password. Credit to Cash may terminate any Login Credentials in its sole discretion. You will not be entitled to create a new account to access the Website if your prior Login Credentials have been terminated by Credit to Cash.
Upon registering for our Services an account for Users may automatically be created for you. The security of any personal data you choose to share within your account is subject to our Privacy Policy.
Where you purchase a subscription or a license to access the Services, you may not share that subscription or license with others.
3.3 Use of Services
Users acknowledge and agree that Services are provided for the purpose of facilitating credit to cash conversion. Users agree that the credit card information they are using are their own or the owner have personal knowledge of its use on Cr3dit2Cash conversion Services.
Users agree that Cr3dit2Cash services will not be used for any fraudulent activities.
3.4 Representations and Warranties
Professional-Specific Representations.
If you utilize the Services as a Professional, (i) you represent and warrant that for each homework assignment you have the right to provide Services for the purposes of these Terms and that you are capable of fulfilling any such assignments; (ii) you warrant that you will keep all your eligibility requirements, if any, up to date and that you will notify Credit to Cash of any changes that would affect the quality of your Services; (iii) you acknowledge and agree that Credit to Cash may display advertisements on the Services without any payment obligation to you; (iv) you agree to use good faith efforts to provide Users a professional-quality homework checking experience; (v) you are legally eligible to provide homework checking services in the jurisdiction where you provide Services; (vi) you have complied and will comply with all laws and regulations that are applicable to you; and (vii) you operate an independent enterprise with respect to which you have obtained all business licenses and permits necessary to legally provide Services.
User-Specific Representations.
If you utilize the Website as a User, (i) you represent that you are an eligible User pursuant to Section 2.1; (ii) you represent that you are not using the Services for any purpose that violates the academic honesty policy or other conduct policies of your school, university, academic institution or workplace; (iii) you agree that you will not circumvent or manipulate our fee structure, the billing process, or fees owed to Credit to Cash; and (iv) you agree to use good faith efforts to interact with Credit to Cash.
3.5 Referral Program
Users (henceforth the User Referrer) and Professionals (henceforth the Professional Referrer) may invite another individual who is not, and has never been, a registered user of Credit to Cash (henceforth the Referee) with a referral link. Clicking on this referral link entitles the Referee to a discount off their initial purchase.
Referral links are valid only for the User to whom they are sent and may only be redeemed by the Referee to whom they are sent. We reserve the right to terminate any accounts found in violation and remove any Credit to Cash Credits or Referral Bonus accumulated in violation of these Terms with or without notice.
Users
The User Referrer will be entitled to receive a discount in the form of Credit to Cash Credits when the Referee makes their initial purchase using the discount from the referral link. The discount amount for the User Referrer and the Referee is subject to change.
Credit to Cash Credits are valid only in exchange for Services provided by Credit to Cash and may not be exchanged for cash. Credit to Cash Credits will be valid for 180 days from the most recent log in date of the Referrer. If the Referrer has not logged in for 180 days, all Credit to Cash Credits will be expired, and will no longer be recoverable.
Professionals
The Professional Referrer will be entitled to receive a Referral Bonus for every purchase the Referee makes in the form of a cash payment. The Referral Bonus amount for the Professional Referrer and Referee is subject to change.
By clicking on the referral link the Referee grants Credit to Cash the right to process the Referee’s
personal data according to our Privacy Policy.
3.6 Limits
While using the Services, you agree that you will:
4. WEBSITE CONTENT
Users have a personal, non-transferable, non-exclusive right to access and use the content of this Website subject to these Terms. The “Content” means all information, text, materials, images, data, links, software, or other material accessible through the Website or Services, whether created by us or provided by another person for display on the Website or through the Services. The Content may contain typographical errors, other inadvertent errors or inaccuracies. We reserve the right to make changes to document names and content, descriptions or specifications of products or services, or other information without obligation to issue any notice of such changes. You may view, copy, download, and print Content that is available on this Website or through the Services, subject to the following conditions:
5. CONTENT SUBMITTED BY USERS
We are not responsible or liable for the conduct of Users or for views, opinions and statements expressed in Content submitted for public display through our Website. We do not prescreen information posted online. We are acting as a passive conduit for such distribution and may not be responsible for Content. Any opinions, advice, statements, services, offers, or other information in Content expressed or made available by Users are those of the respective author(s) or distributor(s) and not of Credit to Cash. We neither endorse nor guarantee the accuracy, completeness, or usefulness of any such Content. You are responsible for ensuring that Content submitted to this Website is not provided in violation of any copyright, trade secret or other intellectual property rights of another person or entity. You shall be solely liable for any damages resulting from any infringement of copyrights, trade secret, or other intellectual property rights, or any other harm resulting from your uploading, posting or submission of Content to this Website.
6. LINKS TO THIRD-PARTY WEBSITES
The Website may contain links to non-Credit to Cash websites. These links are provided to you as a convenience and/or ancillary for the Services use, and Credit to Cash is not responsible for the content of any linked website. Any non-Credit to Cash website accessed from the Services is independent from Credit to Cash, and Credit to Cash has no control over the content of that website. In addition, a link to any non-Credit to Cash website does not imply that Credit to Cash endorses or accepts any responsibility for the content or use of such website. Use of any third-party website is subject to its terms of service and privacy policy. We request that our Users exercise caution and good judgment when using third-party websites.
7. ADVERTISEMENT
We will not include your content in advertisements for the products and services of third parties to others without your separate consent.
Credit to Cash may run advertisements and promotions from third parties on the Website. Your correspondence or business dealings with, or participation in promotions of advertisers other than Credit to Cash found on or through the Website, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. Credit to Cash is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such non-Credit to Cash advertisers on the Website.
8. NO IMPLIED ENDORSEMENTS
In no event shall any reference to any third party or third-party product or service be construed as an approval or endorsement by Credit to Cash of that third party or of any product or service provided by a third party. Likewise, a link (including without limitation external websites that are framed by the Services as well as any advertisements displayed in connection therewith) to any third-party website does not imply that we endorse or accept any responsibility for the content or use of such a website. Credit to Cash does not endorse, warrant or guarantee any product or service offered by any third party through an online discussion forum or chat room accessible through this Website and will not be a party to or in any way monitor any transaction involving any third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you are responsible for exercising appropriate judgment and caution.
9. SCOPE OF SERVICE
Credit to Cash maintains this Website as a service to the user community that visits the Website subject to these Terms. You are responsible for obtaining and paying for any equipment and Internet service necessary to accessing our Services. We may alter, suspend, or discontinue this Website or the Services in whole or in part, at any time and for any reason, without notice. The Services may also periodically become unavailable due to maintenance or malfunction of computer equipment or for other reasons. We may provide access to third party services and products from time to time or to our own products or Services. You acknowledge that the Website and any mobile applications are evolving and that the form and nature of the Website or mobile applications, including the Services, may change from time to time without notice to you.
10. RELATIONS BETWEEN Credit to Cash AND USERS
The Services are not an employment service and Credit to Cash does not serve as an employer of any User unless separately subject to a signed, written employment contract signed by both the User and Credit to Cash. Users may use Credit to Cash Services only to provide homework checking services to other Users or to receive homework checking services from other Users using the Services and subject to these Terms.
As such, Credit to Cash will not be liable for any tax or withholding, including but not limited to unemployment insurance, employer’s liability, workers’ compensation insurance, social security or payroll withholding tax in connection with your use of Services or Users’ services. You understand and agree that if Credit to Cash is found to be liable for any tax or withholding tax in connection with your use of Users’ services, then you will immediately reimburse and pay to Credit to Cash an equivalent amount, including any interest or penalties thereon.
In all cases of use of this Website, Users are acting as independent contractors and not as Credit to Cash’s or any other party’s employee, agent, franchisee or servant. Accordingly, you will be solely responsible for all costs incurred by you or your organization. You shall not hold yourself out as having authority to make contracts or promises on behalf of Credit to Cash. No User is entitled to participate in any Credit to Cash vacation, group medical or life insurance, disability, profit sharing or retirement benefits, or any other fringe benefits or benefit plans offered by Credit to Cash to its employees.
11. ASSIGNMENT
You may not assign or transfer these Terms in whole or in part to any third party. These Terms shall bind and inure to the benefit of the parties to these Terms and their respective successors, permitted transferees, and permitted assigns.
12. FEEDBACK
You acknowledge and agree that we may provide you with a mechanism to
provide feedback, suggestions, and ideas, if you choose, about our Services (the "Feedback") and public feedback from Users with whom you have transacted.
Feedback regarding Credit to Cash. By submitting any Feedback you provide us a written consent to use your Feedback in improvement and promoting the Services; you agree that submitting a Feedback is gratuitous, unsolicited and without restriction and will not place us under any fiduciary or other obligation, and that we are free to use the Feedback without any additional compensation to you, and/or to disclose the Feedback on a non-confidential basis or otherwise to anyone.
You further acknowledge that, by accepting your Feedback submission, Credit to Cash does not waive any rights to use similar or related ideas previously known to Credit to Cash, or developed by its employees, or obtained from sources other than you. You agree that we may, in our sole discretion, use the Feedback you provide to us in any way, including in future enhancement and modifications to our Services. You hereby grant to us and our assigns a perpetual, worldwide, fully transferable, sublicensable, irrevocable, royalty free license to use, reproduce, modify, create derivative works from, distribute, and display the Feedback in any manner for any purpose, or without it in any media, software, or technology of any kind now existing or developed in the future, without any obligation to provide attribution or compensation to you or any third party.
Feedback Regarding Users. You acknowledge that feedback results for you may consist of comments and ratings left by other Users and that Credit to Cash may calculate a composite feedback number based on these individual ratings. Professinals agree to be rated by other Users along several criteria, as determined by Credit to Cash. Credit to Cash provides its automatic feedback and rating system as a means through which Users can express their opinions publicly, and Credit to Cash does not monitor or censor these opinions or investigate any remarks posted by Users for accuracy or reliability unless a User brings the posting to Credit to Cash's attention. You may be held legally responsible for damages suffered by other Credit to Cash Users or third parties as a result of these remarks if a court finds that these remarks are legally actionable or defamatory. Credit to Cash is not legally responsible for any feedback or comments posted or made available on this Website by any Users or third parties, even if that information is defamatory or otherwise legally actionable. You agree to report violations or abuses of our rating and feedback system immediately by contacting Customer Service.
13. NOTIFICATIONS
Unless you otherwise indicate in writing, Credit to Cash will communicate with you by email, regular mail or by posting communications on this Website. You consent to receive communications from us electronically and you agree that these electronic communications satisfy any legal requirement that such communications be in writing. You will be considered to have received a communication when we send it to the email address you have provided to Credit to Cash on this Website, or when we post such communication on this Website. You should keep your email address updated on this Website, and you should regularly check this Website for postings. If you fail to respond to an email message from Credit to Cash regarding violation, dispute or complaint within 2 (two) business days, we will have the right to terminate or suspend your use of Services. All notices to Credit to Cash intended to have a legal effect concerning these Terms must be in writing and delivered either in person or by means evidenced by a delivery receipt, to the following address: ________________.
To stop receiving specific communications from Credit to Cash, please, submit a notification to us by email at support@Credit to Cash.com in order to change the types and frequency of such communications.
14. TERMINATION
Other than Professionals, we may terminate any User’s access to our Website in our sole discretion, for any reason and at any time, with or without prior notice. It is our policy to terminate Users who violate these Terms, as deemed appropriate in our sole discretion.
We may terminate a User's use of the Services (a) immediately for failure to comply with the Terms;
(b) for other cause, including, but not limited to, sexual or other unwelcome harassment, threats or intimidation, fraud, falsification of documents or qualifications; or (c) upon 30 days’ advance written notice for any reason.
We may also delete, or ban access to or use of all related information and files. Credit to Cash will not be liable to Users or any third-party for any modification, suspension, or termination of the Service, or loss of related information.
You may delete your account/profile at any time. In case you are not using your Credit to Cash account or profile for more than 180 (one hundred eighty) days following the last payment from or to you, it may be considered expired and may be deactivated, in which case your remaining balance will be expired. Any remaining balance will be irreversibly lost and nonrefundable.
Transferable balance will be irreversibly lost and nonrefundable for any event of suspicious and/or fraudulent activities against a User's transaction and/or account.
Even after your right to use the Services is terminated or suspended, these Terms will remain enforceable against you.
15. INTELLECTUAL PROPERTY RIGHTS
All intellectual property in the design and layout of this Website, Software and the material and information published on its pages belongs to and is vested in Credit to Cash or its licensors. You may not copy any part of this Website or otherwise do anything in relation to any part of the Website. You may not otherwise use or reproduce any of this Website or the material contained within it in any manner other than those listed above without first obtaining the prior written permission of Credit to Cash.
Unless otherwise noted, all Content contained on this Website is the property of Credit to Cash and/or its affiliates or licensors, and is protected from unauthorized copying and dissemination by Philippine copyright law, trademark law, international conventions and other intellectual property laws. The service marks and trademarks of Credit to Cash, including without limitation Credit to Cash and the Credit to Cash logos are service marks owned by Credit to Cash, Inc. Any other trademarks, service marks, logos and/or trade names appearing via the Service are the property of their respective owners. You may not copy or use any of these marks, logos or trade names without the express prior written consent of the owner.
Credit to Cash grants you permission (which may be revoked at any time for any reason or no reason) to use the Website and the Software for the Services as provided herein and in accordance with these Terms and solely for your own personal, non-commercial use (except as provided herein), provided you do not remove any trademark, copyright or other notice contained on such pages. No other use is permitted. Credit to Cash reserves all of its statutory and common law rights against any person or entity who violates this paragraph.
You may not link or frame to any pages of the Website or any content contained therein, whether in whole or in part, without prior written consent from Credit to Cash. You may like or follow Credit to Cash or share links to the Website via social networking technology referenced on the Website. Any rights not expressly granted herein are reserved.
Except as expressly authorized by Credit to Cash or by Content providers, you agree not to reproduce, modify, rent, lease, loan, sell, distribute, mirror, frame, republish, download, transmit, or create derivative works of the Content of others, in whole or in part, by any means. You must not remove or modify any copyright or trademark notice, or other notice of ownership.
16. COPYRIGHT INFRINGEMENT AND DMCA NOTICE
Since we respect content owner rights, it is Credit to Cash’s policy to respond to alleged infringement notices that comply with the Digital Millennium Copyright Act of 1998 ("DMCA"). If you believe that any materials on our Services infringe your copyright, you may request that they be removed. Please notify Credit to Cash's copyright agent as set forth in the DMCA. For your complaint to be valid under the DMCA, your request must bear a signature (or electronic equivalent) of the copyright holder or an authorized representative and must include the following information:
17. CONFIDENTIALITY
You may obtain direct access via the use of the Services to certain confidential information of Credit to Cash, its affiliates or Users, including but not limited to personally identifiable information, technical, contractual, product, program, pricing, marketing and other valuable information that should reasonably be understood as confidential (“Confidential Information”). You agree to hold Confidential Information in strict confidence and not use the Confidential Information except for the purposes set forth in these Terms and not disclose such confidential information to any third party. All right, title and interest in the Confidential Information remains with Credit to Cash, its affiliates and its Users.
No obligation is imposed upon you with respect to Confidential Information that you can establish by legally sufficient evidence: (a) you possessed prior to your receipt from Credit to Cash, without an obligation to maintain its confidentiality; (b) is or becomes generally known to the public through no act or omission by you, or otherwise without violation of the Terms; (c) you obtained from a third party who had the right to disclose it, without an obligation to keep such information confidential; (d) you independently developed without the use of Confidential Information and without the participation of individuals who have had access to it, or (e) in response to a valid order by a court or other governmental body, or as otherwise required by law, or as necessary to establish the rights of either party under these Terms and as disclosed after prior notice to Credit to Cash adequate to afford Credit to Cash the opportunity to object to the disclosure.
18. DISCLAIMER OF WARRANTY
Use of the Services is entirely at your own risk. Credit to Cash disclaims all liability in connection with any interactions, correspondence, transactions, and other dealings that you have with any third parties, including without limitation Students, Parents or Professionals found on or through the Website (including on or via linked websites or advertisements) are solely between you and the third party (including issues related to the content of third-party advertisements, payments, services, delivery of goods, warranties (including product warranties), privacy and data security, and the like. Under no circumstances will we be liable for any loss or damage caused by your reliance on information in any content on this Website. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Website.
You acknowledge that the Website and all Services, text, images, and other information on or accessible from this Website are provided "as is", which are not verified by Credit to Cash, and that any Services, listings or other content acquired through the use of the Website is at your sole risk and discretion. Credit to Cash and its affiliates and licensors are not liable or responsible for any results generated through the use of the Website. We provide no warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Specifically, but without limitation, Credit to Cash does not warrant that: (i) the information available on this Website is free of errors; (ii) the functions or services (including but not limited to mechanisms for the downloading and uploading of content) provided by this Website will be uninterrupted, secure, or free of errors; (iii) defects will be corrected, or (iv) this Website or the server(s) that makes it available are free of viruses or other harmful components. Neither Credit to Cash nor its affiliates or licensors is responsible for the conduct, whether online or offline, between users.
In addition, Credit to Cash does not provide any warranties or guarantees regarding any Professional’s accreditation, registration or license. Credit to Cash expressly disclaims any liability or claims that may arise between Users of its Services. You are solely responsible for your interactions with all other Users and any disputes that arise from those interactions with other Users. Credit to Cash is not obliged but may attempt to assist in resolving disputes between Users.
19. LIMITATION OF LIABILITY
Disclaimer. In no event shall Credit to Cash be liable to any user of this Website or any other person or entity for any direct, indirect, special, incidental, consequential or exemplary damages (including, but not limited to, damages for loss of profits, loss of data, loss of use, or costs of obtaining substitute goods or services) arising out of the use, inability to use, unauthorized access to or use or misuse of the Website or any information contained thereon, whether based upon warranty, contract, tort (including negligence), or otherwise, even if has been advised of the possibility of such damages or losses.
Limitation. You agree Credit to Cash’s total cumulative liability in connection with these Terms, the Website, the Software, the Services, the Content, or any listing or services whether in contract, tort, or otherwise, shall not exceed the amounts, if any, you paid to Credit to Cash for the Services in the then- prior three months.
Waiver of Class Action. Any claims brought by you or Credit to Cash must be brought in that party' individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.
20. EXCLUSIONS
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.
21. INDEMNIFICATION
By using the Services, you agree to indemnify, hold harmless and defend Credit to Cash and its subsidiaries, affiliates, shareholders, officers, directors, agents, licensors, suppliers, other partners, employees, and representatives from any claims, damages, losses, liabilities, and all costs and expenses of defense, including but not limited to, attorneys' fees, resulting directly or indirectly from a claim by a third party that arises in connection with Your use of the Services, including but not limited to ( a) acts and/or omissions on or off the Website; (b) violation of any rights of another, including without limitation any alleged infringement of intellectual property or other right of any person or entity relating to the Website; (c) breach of these Terms; (d) disputes with or between other Users; (e) use and/or misuse of the Website, including without limitation any information, content and/or materials thereon; (f) violation of any applicable law or regulation; (g) inaccurate, untimely, incomplete or misleading User information, including without limitation with respect to registration, profile or eligibility; (h) misstatements and/or misrepresentations; (i) use of links to third party websites, including without limitation such websites' availability, terms of use, privacy policy, information, content, materials, advertising, products and/or services; (j) User information and any acts or omissions with respect to such User information; (k) use of any information in third-party reports; (l) use of third-party payment processing services; (m) use of phone support services; and/or (n) use of any services or products or any contracts or arrangements made or provided based on information, content and/or materials obtained on or through the Website. You further agree that you will cooperate as requested by Credit to Cash in the defense of such claims. Credit to Cash reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by Users, and you shall not, in any event, settle any claim or matter on behalf of Credit to Cash without the written consent of Credit to Cash.
In the event that you have a dispute with any other User/s, you hereby release Credit to Cash (and its officers, directors, agents, investors, subsidiaries, employees, contractors and any other third parties related to the Services) from any and all claims, demands, or damages (actual or consequential) of every kind, known and unknown, arising out of or in any way related with such disputes.
22. DISPUTE RESOLUTION
Any dispute arising out of consumer claims shall be finally resolved by individual arbitration before a single arbitrator conducted in the English language in Makati, Philippines.
All disputes arising out of or relating to these Terms shall be finally resolved by individual arbitration. The arbitration will be conducted in Makati, Philippines. The individual arbitration must be before a single arbitrator conducted in the English language under the Commercial Arbitration Rules of the American Arbitration Association (AAA).
Any arbitration under these Terms will be between an individual User and Credit to Cash. To the fullest extent permitted by applicable law, and except as expressly provided below, you and Credit to Cash expressly waives any entitlement to resolve disputes in court or on a class, collective or representative basis. You and Credit to Cash shall appoint as sole arbitrator a person mutually agreed by You and Credit to Cash or, if You and Credit to Cash cannot agree within thirty (30) days of either party’s request for arbitration, such single arbitrator shall be selected by the AAA upon the request of either party.
The parties shall bear equally the cost of the arbitration except (a) to the extent prohibited by applicable law; (b) that if the arbitrator determines that costs unique to arbitration (i.e., filing, administration and arbitrator’s fees) would preclude a Professional from asserting a claim in arbitration, the arbitrator may require Credit to Cash to pay a greater share of such costs unique to arbitration; and (c) the prevailing party shall, to the extent permitted or required by applicable law, be entitled to an award of reasonable attorneys' fees and costs incurred in connection with the arbitration in such an amount as may be determined by the arbitrator.
All decisions of the arbitrator shall be final and binding on both parties and enforceable in any court of competent jurisdiction. Notwithstanding this, application may be made to any court for a judicial acceptance of the award or order of enforcement. Notwithstanding the foregoing, Credit to Cash shall be entitled to seek temporary injunctive relief, security or other equitable remedies from any court of competent jurisdiction.
23. GOVERNING LAW
These Terms shall be governed by the laws of the Philippines.
24. NON-SOLICITATION
Without limitation, the Services may not be used to solicit for any other business, website or service. You may not solicit, advertise for, or contact in any form Users for employment, contracting, or any other purpose not related to the Service facilitated through Credit to Cash without express written permission from Credit to Cash.
You may not use the Service to collect usernames and/or email addresses of Users by electronic or other means without the express prior written consent of Credit to Cash.
25. HEADINGS
The headings and captions used in these Terms are used for convenience only and are not to be considered in construing or interpreting these Terms.
26. ENTIRE AGREEMENT. SEVERABILITY
These Terms, together with any amendments and any additional agreements you may enter into with Credit to Cash in connection with the Services, shall constitute the entire agreement between you and Credit to Cash concerning the Services. If any part of these Terms is held to be unlawful, void, or unenforceable, that part will be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
27. CONTACTS
For additional information and in case you have any questions about these Terms, please contact legal@Credit to Cash.com.
Updated: May 31, 2022
Cr3dit2Cash("Credit to Cash") PRIVACY and PAYMENT POLICY
Your use of Cr3dit2Cash system is regulated by this PRIVACY and PAYMENT POLICY.
PLEASE READ IT CAREFULLY BEFORE MAKING A CONVERSION AS IT DETERMINES YOUR RIGHTS WITH REGARD TO YOUR CONVERSION, INCLUDING ESSENTIAL RESTRICTIONS AND EXCLUSIONS.
Cr3dit2Cash reserve the right to change these Terms from time to time for any reason by posting the modification date at the top of this page. Please check this page to ensure that you’re happy with any changes. By continuing to use the Services following amendment of these Policies, you consent to be bound by the Policies as amended.
Credit to Cash strives to ensure clear understanding of financial relations between users and Credit to Cash with respect to the services we provide. This policy applies to all services and features made available through the Website and any related Credit to Cash mobile device application (collectively, the “Services”).
Transactions
Credit to Cash provides a platform to convert Credit Card available balance to Cash Services. Once conversion is made on Credit to Cash’s payment platform, it will be considered a final transaction for the Services requested.
Refunds
Chargeback Related
In the event of a chargeback by a credit card company (or similar action by another
payment provider allowed by us) in connection with your request for conversion, you agree
that we may suspend access to any and all accounts you have with us.
Fees, incurred as the result of chargebacks or other payment disputes brought by you, your bank,
or a payment provider, and disputes that require accounting or legal services shall be covered by you.
Expired Account
In case your last activity on Credit to Cash as of the last payment date is for more than 180 (one hundred eighty) days, your account will be considered expired and will be deleted. Along with your account or profile, all personal data processed by Credit to Cash will be erased.
Deletion of an Account
You may request to delete your Account at any time, however, there are no refunds for cancellation.
In case Credit to Cash shall suspend or terminate your Account because of breach of
any of our policies, you understand and agree that you shall receive no refund or
exchange for any unused Services, any content or data associated with your account, or for anything else.
Payment Services
We use third party payment services to bill you through an online payments account in lieu of directly processing your credit/debit card information. Your paid balance for Services is safe in your account as we use an integrated iframe for checkouts from our partners-payment providers (Braintree, Stripe, PayPal). Correspondingly all transactions are secured as our partners-payment providers use SSL encryption protection. We do not store your payment information on our servers.
Data Provided by You
You agree and understand that billing information, which you provide to make payment for conversion(s) through Credit to Cash, namely your credit card information account information, is processed by our partners-payment providers (Braintree, Stripe, PayPal) only. Credit to Cash does not collect, store or otherwise process your billing information.
You agree that Credit to Cash will not be responsible for any failures of the third party to adequately protect such information. The processing of payments will be subject to the terms, conditions and privacy policies of our partners-payment providers in addition to this policy.
You acknowledge that we may change our partners-payment providers and require them to transfer your information to other service providers that encrypt your information using secure socket layer technology (SSL) or other comparable security technology.
Payments and Taxes
Available payment methods through our Services are:
Registration
Registering to become a User of Credit to Cash is free. Parties are responsible for paying all fees and applicable taxes associated with delivery and consumption of Services through our Website and Apps, as well as for using the tools with a valid payment method. The failure to pay required fees shall be a material breach of this Policy and Terms of Service.
Other
Credit to Cash is not a bank or any type of a financial institution, we do not provide any financial services or advice. Any payments made via our platform are made solely for the purpose of consumption and delivery of Services provided by Credit to Cash. Such payments may not be made and used for any fraudulent, criminal or illegal activity as defined by the law.
Privacy Policy
Updated: May 31, 2022
This privacy notice for Cr3dit2Cash Philippines ("Company," "we," "us," or "our"), describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"), such as when you: Visit our website at cr3dit2cash.com, or any website of ours that links to this privacy notice Download and use our mobile application (cr3dit2cash), or any other application of ours that links to this privacy notice Engage with us in other related ways, including any sales, marketing, or events Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at support@cr3dit2cash.com.. Credit to Cash reserves the right to change this document anytime.
SUMMARY OF KEY POINTS
This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for. You can also click here to go directly to our table of contents.
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us In Short: We collect personal information that you provide to us. We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us. Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:
phone numbers
names
email addresses
Sensitive Information. We do not process sensitive information.
Payment Data. We may collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. All payment data is stored by Stripe. You may find their privacy notice link(s) here: Stripe Privacy Policy
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In Short: We may share information in specific situations described in this section and/or with the following third parties.
We may need to share your personal information in the following situations:
Business Transfers. We may share or transfer your information in connection
with, or during negotiations of, any merger, sale of company assets, financing,
or acquisition of all or a portion of our business to another company
4. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than 90 days.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
5. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
6. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: You may review, change, or terminate your account at any time.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us at support@cr3dit2cash.com
However, please note that this will not affect the lawfulness of the processing before its withdrawal, nor when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
If you have questions or comments about your privacy rights, you may email us at support@cr3dit2cash.com.
7. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
8. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated "Updated" date and the updated version will be effective as soon as it is accessible. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.10. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may contact us at support@cr3dit2cash.com
11. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request to support@cr3dit2cash.com
| Category of Information | Explanation |
|---|---|
| Identifiers, such as your name, street address, phone number, IP address, or email address | We use this information to respond to your questions, to communicate with you, for marketing purposes, to enable you to participate in our offerings, and for other business purposes. |
| Commercial information, such as purchase history | Records of purchases or other histories. |
| Internet and electronic network activity | We may use this information to improve our services, to better understand the visitors who come to our Site and what content is of interest to them. |
| Geographic location information | We may use this information to improve the quality, security, and relevance of our services and for other business purposes. |
| Other electronic information, such as information you post in a public space | We may use this information to provide the services, and for other business services. |
| Inferences drawn from the above | We use this information to personalize your experience with us, to understand other profile preferences, characteristics, trends, abilities, and aptitudes, and for other business purposes. |