Terms & Conditions

By using this site or our services, you, the Customer, agree that you have read and agree to be bound by the following Terms & Conditions. These Terms & Conditions are subject to change without notice. Any changes will be incorporated into the Terms & Conditions posted to this website from time to time. Customer's continued use of the website or the Consumer Protection Institute helpdesk, following the posting of any changes to the Terms & Conditions, constitutes acceptance of those changes. If you do not agree with these Terms & Conditions, please do not access this website or our helpdesk.

I. Document Hub Services
1. Customer agrees not to copy, edit, forward, reproduce or digitally or electronically edit or modify any part of the Consumer Protection Institute website, or any Work Matter prepared by Consumer Protection Institute on behalf of Customer. Work Matter is defined as all work that is prepared by Consumer Protection Institute on behalf of Customer and may be forwarded by Consumer Protection Institute or its assigns. All Work Matter, includes, but is not limited to, Claims, Cease Contact. Customer understands and agrees that photocopies or digital scans will be used record-keeping purposes. Customer understands that all Work Matter prepared on behalf of Customer by Consumer Protection Institute is the intellectual property of Consumer Protection Institute and may only be accessible to Customer for a limited time, after which it may be archived, deleted or permanently removed from Customer's account at the sole discretion of Consumer Protection Institute.

2. Consumer Protection Institute agrees to guarantee that Customer's dispute, claim or cease contact documents and requests will be complied with and Customer agrees to pay CPI its fees as stated.

3. Customer authorizes CPI to insert any digital signature as needed to effect this program and their account with CPI.

4. Customer agrees the information entered or sent to CPI is current and valid and all required information is sent to CPI.

5. Email Notification. CPI will send email notifications to Customer and that Consumer Protection Institute is not responsible if these notification emails are not received by the Customer. CPI will also send notifications to Customer by fax or regular mail as needed or as pre-agreed upon.

6. Delivery Terms.

1. Standard document delivery to debt collectors is 7 days after receipt of Customer's paid registration including all needed information.
2. Priority delivery by fax or air express, or both, as deemed by CPI, to debt collectors is 24 hours after receipt of Customer's paid registration including all needed information.

7. Other Notifications. CPI will notify Customer of delivery of all debt collector documents including copies of all shipping receipts by fax, email or regular mail.

8. Customer understands, accepts, agrees and acknowledges that all input must be identical to the information from debt collector correspondence received by the Customer and that Customer is responsible for reviewing his entries prior to Checkout or Payment. If any entries or input made by the Customer are incorrect, Customer agrees and acknowledges that Consumer Protection Institute will only be able to use the incorrect input or data entered by Customer and then Customer explicitly and expressly agrees that Consumer Protection Institute will not and can not guarantee the results of such work matter and that Customer will not be entitled to any refund or credit from Consumer Protection Institute. In the event Customer mails or faxes information to CPI, Customer will fax or mail only exact copies of documents.

9. Customer authorizes Consumer Protection Institute to share its debt collection related information only with the express, written authorization of Customer. This would be for reports to the FTC. Consumer Protection Institute is a website document management service (hub) and not an attorney or legal practice. Consumer Protection Institute does not give legal advice. Do not consider anything on this website as legal advice. If you need legal advice please contact an attorney.

10. Customer agrees to hold Consumer Protection Institute, its shareholders, investors, officers, employees, consultants and related parties harmless from any claim. Customer further accepts and agrees that the maximum amount of any claim against Consumer Protection Institute will be limited to the amount paid and collected by Consumer Protection Institute for one transaction. Should, for any reason, Customer take legal action against Consumer Protection Institute, then Consumer Protection Institute reserves its right to exercise any and all of its legal rights, and Customer agrees that Consumer Protection Institute will be allowed to collect and receive reasonable legal fees from Customer should Consumer Protection Institute prevail in any court or other action. Customer further agrees not to make any claim against Consumer Protection Institute with any form of arbitration association. Customer further agrees to accept the services of Consumer Protection Institute on an "as is" basis, and agrees and accepts that Consumer Protection Institute makes no other warranty as to merchantability, nor does Consumer Protection Institute provide any implied warranty for merchantability or fitness for or to a particular purpose other than its guarantees and services as stated herein.

11. If Customer disputes any fee(s) or charge(s) from Consumer Protection Institute, Customer authorizes Consumer Protection Institute to charge Customer for the disputed amount(s) plus a $25.00 administration fee per dispute, plus legal, administrative, collection and court costs at Consumer Protection Institute's sole discretion should the dispute be won in favor of Consumer Protection Institute. In addition, Customer's access to the Consumer Protection Institute web site or files may be placed on hold temporarily, suspended or cancelled at the sole discretion of Consumer Protection Institute. Should Cu1stomer issue a chargeback via their credit or debit card company Customer agrees to release Consumer Protection Institute from its Guarantee provision(s) as the initiation of a credit or debit card chargeback requires Consumer Protection Institute to respond to the credit card company.

12. Cancellation Policy. Customer understands and agrees that all work ordered by Customer is not special order, or partially customized to their needs, and is based upon common circumstances. Once Customer's work matter is created, it is non-cancellable and non-refundable. Such cases will be reviewed and decided on a case-by-case basis.

13. Customer agrees not to assign their rights to any third party or to join in any suit naming Consumer Protection Institute, its shareholders, officers, employees, investors, consultants or related parties to any court action. Customer acknowledges and agrees that this Agreement is solely between Customer and Consumer Protection Institute. Customer agrees not to reproduce, distribute, publish or disseminate any material, regardless of the form in which it is received, for profit, gain or for any other reason, in any medium whatsoever.

14. Unauthorized use. Customer agrees not to copy, edit or modify any material prepared by Consumer Protection Institute. Should Customer copy, edit, modify or otherwise alter CPI work matter, which is defined as all work prepared by Consumer Protection Institute for Customer, for their benefit or the benefit of any other related or unrelated third party and uses that paperwork, or a facsimile thereof, for the purposes of, at least, debt collection document management for which they have not paid Consumer Protection Institute, Customer agrees such use would constitute an unauthorized use of Consumer Protection Institute's services. Customer further agrees that such unauthorized use of Consumer Protection Institute's services will be billable and chargeable at a fee of up to five thousand U.S. dollars per occurrence. In such an event, Customer specifically authorizes Consumer Protection Institute to charge Customers credit or debit card or banking account for such fees.

15. Non-Compete Clause. Customer agrees not to directly or indirectly enter into or engage in any document hub or similar business either as an individual, partner, joint venture or venturer, employee, consultant, salesman, officer, director or shareholder of any business or corporation or otherwise, for a period of five (5) years after agreeing to these Terms and Conditions. Customer acknowledges and agrees that any breach of the covenants set forth herein shall cause irreparable harm to Consumer Protection Institute and as such, damages would be difficult to ascertain. Accordingly, Customer agrees and consents and specifically waives all defenses to the issuance of an order by any Court of competent jurisdiction granting such injunctive relief as the Company deems in its best interests and available at equity. It is further agreed that minimum damage to Consumer Protection Institute from such a breach would be one million U.S. dollars.

16. Copyright and Intellectual Property. Customer acknowledges and agrees that all materials prepared by Consumer Protection Institute are the intellectual property of Consumer Protection Institute. Customer further agrees not to copy, edit or otherwise use such property for any purpose whatsoever without express, written and signed authorization by an Officer of Consumer Protection Institute. Should Customer use such intellectual property without such written consent as described above then Customer agrees that Consumer Protection Institute will be entitled to collect a fee from Customer up to five thousand U.S. dollars for each unauthorized use. In such an event, Customer specifically authorizes Consumer Protection Institute to charge Customers credit or debit card or banking account for such fees. Should Customer contest such fees Customer agrees that it will compensate Consumer Protection Institute for reasonable legal fees and related court costs to bring an action to collect such fees and to obtain an injunction by any court of competent jurisdiction against Customer's use of Consumer Protection Institute materials.

17. Consumer Protection Institute does not charge or collect sales or any other tax. To the best of our knowledge, at the time of this writing, there is no sales, service or any kind of tax on the service provided by Consumer Protection Institute. Customer does agree that should any tax be due on the providing of the Consumer Protection Institute service it would be the responsibility of the entity or individual obtaining the service to satisfy that tax and that Consumer Protection Institute is authorized by you, as the user, to collect that tax using your credit or debit card or banking account.

18. Customer acknowledges they are not a minor and they have the legal authority to bind themselves to this Agreement. This Agreement is made and shall be enforced by the guidelines of the State of New Jersey and cannot be changed without the express written permission of Consumer Protection Institute.

19. Should Customer provide Consumer Protection Institute with a photograph of their image and/or a testimonial, Customer expressly authorizes Consumer Protection Institute to use their testimonial and/or photograph in current and future advertising and promotions and agrees to release Consumer Protection Institute from any fee for use of their name and likeness.

20. Consumer Protection Institute reserves the right to refuse to provide its services on a case by case basis.

21. Telephone and Mobile Customers. Customers using telephones, cell phones or other mobile devices to access the Consumer Protection Institute website agree to abide by the same Terms and Conditions of all Consumer Protection Institute Customers as outlined herein.

22. Instant Rollover Credit. At any time subsequent to the placement of an Order, Customer may choose to terminate the process of disputing a claim and shall be entitled to an Instant Rollover Credit in the amount equal to Customer's Order. The Instant Rollover Credit is good for a period of one year for any other debt collection dispute or cease contact and is non-transferable.

23. Time. The dispute process. Customer understands that it is important to dispute a debt collector's initial written contact within 30 days of your receipt. This means your dispute needs to be postmarked or delivered under this timeframe. However, many debt collectors will allow, as a courtesy, and where they deem it substantive, a dispute to be filed and responded to after the 30 day window closes. Responses to Disputes. Debt collectors generally respond to disputes in a range of 10 days to four weeks depending upon the type of information requested. As a normal rule, most debt collectors only have skeleton claim information on hand and must request the disputed information from the original creditor. Cease Contact. Most debt collectors need to update their information technology systems when you file a cease contact. Customers need to allow for CPI delivery time (3 days by certified mail; 1 day by certified email, 2 days for air express; 1 day by fax) for debt collectors to receive the information plus a minimum of five business days for the collector to update their debt collection software systems.

24. Customer Authorization. Customer hereby acknowledges and agrees that CPI will be preparing documents strictly from Customer information and Customer further agrees and authorizes CPI to advance, send, mail, email, or contact Customer's debt collectors in furtherance of customer's requirements as related to cease contact, disputes or any other CPI programs Customer has subscribed to or purchased.

25. Modification of These Terms & Conditions CPI reserves the right to change, at any time, at our sole discretion, the
Terms and Conditions under which these Services are offered. You are responsible for regularly reviewing these Terms and Conditions. Your continued use of the Services constitutes your agreement to all such Terms and Conditions.

26. Blog Content Policy

A. Rights in the Content You Submit
Unless you specify otherwise, any and all works of authorship copyrightable by you and posted by you to the CPI Blog ("Content") are submitted under the terms of an Attribution-ShareAlike Creative Commons Public License. Under this license, you permit anyone to copy, distribute, display and perform your Content, royalty-free, on the condition that they credit your authorship each time they do so. You also permit others to distribute derivative works of your Content, but only if they do so under the same Attribution-ShareAlike license that governs your original Content.

Please read the full text of the Attribution-ShareAlike Creative Commons Public License.

By posting your Content you are granting CPI a non-exclusive, royalty-free, perpetual, and worldwide license to use your Content in connection with the operation of CPI, including, without limitation, the license rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Content, and/or to incorporate it into a
collective work.

Attribution
When publicly displaying, publicly performing, reproducing or distributing copies of your Content, or Content as incorporated into a collective work, CPI will make best efforts to credit your authorship. You grant CPI permission to use your name for such attribution purposes. You, likewise, agree to represent yourself accurately. You acknowledge that misrepresentation may lead us, in our sole discretion, to cancel your use of the Services and delete any of your Content.

B. Conduct

Posting
CPI reserves the right to remove certain content that you may post. As a general matter, you may post content freely to this blog so long as the content is not illegal, obscene, defamatory, threatening, infringing of intellectual property rights, invasive of privacy or otherwise injurious or objectionable. By posting content to this blog, you warrant and represent that you either own or otherwise control all of the rights to that content, including, without limitation, all the rights necessary for you to provide, post,
upload, input or submit the content, or that your use of the content is a protected fair use. You represent and warrant also that the content you supply does not violate these Terms, and that you will indemnify and hold CPI harmless for any and all claims resulting from content you supply.

You acknowledge that CPI screen content pre-post and regularly reviews posted content, and that it shall have the right to remove in its sole discretion any content that it considers to violate these Terms.

Accessing
You understand that all content posted to http://cpinstituteonline.org/blog is the sole responsibility of the individual who
originally posted the content. You understand, also, that all opinions expressed by users of this site are expressed strictly in their individual capacities.

You agree that CPI will not be liable, under any circumstances and in any way, for any errors or omissions, loss or damage of any kind incurred as a result of use of any content posted on this site. You agree that you must evaluate and bear all risks associated with the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

C. Disclaimer of Warranties and Limitation of Liability
This site is provided on an "as is" and "as available" basis. CPI makes no representations or warranties of any kind, express or implied, as to the site's operation or the information, content or materials included on this site. To the full extent permissible by applicable law, CPI hereby disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for any particular purpose. CPI will not be liable for any damages of any kind arising from the use of or inability to use this site. You expressly agree that you use this site solely at your own risk.

D. Privacy Policy
Please be sure to read our Privacy Policy, which is incorporated herein by reference.

E. Copyright Complaints
CPI respects the intellectual property of others, and requires that our users do the same. If you believe that your work has been copied and is
accessible on this site in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please contact us.

By using this blog you acknowledge that you have read and are bound by this agreement. Thank you for participating in CPI's Blog.

F. Terms License
This terms of use document is licensed under a Creative Commons Attribution-Share Alike 3.0 United States License.

27. Modification of These Terms and Condtions. CPI reserves the right to change, at any time, at our sole discretion, the Terms under which these Services are offered. You are responsible for regularly reviewing these Terms. Your continued use of the Services constitutes your agreement to all such Terms.