Terms and Conditions

Terms & Conditions

These Terms and Conditions ("Terms and Conditions") cover a variety of Advertising Practices. Any advertising Publisher performs for Advertiser, whether or not explicitly identified within any insertion order ("Insertion Order"), is subject to the Terms and Conditions, except in cases where an Insertion Order conflicts with the Terms and Conditions, in which case the relevant Insertion Order terms shall apply. Any advertising Publisher performs for others is not subject to the Terms and Conditions; however, Advertiser will have the right to immediately terminate the Agreement without notice if the advertising Publisher performs for others is competitive with advertising performed for Advertiser.


A. Acquisition. The term "Acquisition" shall mean an application for Advertised Services that meets the following requirements:

1. Residency. The applicant must be a resident of the U.S.

2. Age. The applicant must be 18 years of age or older.

3. Complete Application. All information in all pages of the application must be complete, accurate, and submitted, specifically including, but not limited to:

(i) First name, last name, street address or P.O. Box number, city, state, zip code, email address, and telephone number.

(ii) Form of payment with a valid credit card, debit card, or bank account information.

(iii) Signature, in either electronic or oral form.

(iv) The application must be confirmed by the applicant.

4. Payment. The applicant must have paid the first payment.

5. Affiliate ID. The appropriate Affiliate ID, as defined in the Insertion Order, must be given with the application.

B. Advertised Services. The term "Advertised Services" shall mean the following:

1. Creditrepair.com Services. Credit report repair services offered by Creditrepair.com.

C. Advertiser. The term "Advertiser" shall mean Progrexion Marketing, Inc., a Delaware corporation.

D. Advertiser Call Center. The term "Advertiser Call Center" shall mean a call center of Advertiser's choosing.

E. Advertising Materials. The term "Advertising Materials" shall mean and include, but is not limited to, the following, which need not be mutually exclusive:

1. Creditrepair.com Trademarks. The term "Creditrepair.com Trademarks" shall mean and include all trademarks, trade names, service marks, other names or identifiers, and logos owned by Creditrepair.com and/or associated with products or services offered by Creditrepair.com and marketed by Advertiser.

2. Advertiser Trademarks. The term "Advertiser Trademarks" shall mean and include all trademarks, trade names, service marks, other names or identifiers, and logos owned by Advertiser and/or associated with products or services marketed by Advertiser.

3. Proprietary Materials. The term "Proprietary Materials" shall mean and include any materials provided under this Agreement, whether in electronic or printed form, such as derivative works, compilations, collective works, technical know-how, patents, patents pending, copyrights, and any rights in those materials.

F. Agreement. The term "Agreement" shall mean the Terms and Conditions together with the applicable Insertion Order and accompanying exhibits at the time the Insertion Order becomes effective. Each Insertion Order, when combined with the Terms and Conditions and exhibits, shall be a separate agreement.

G. Confidential Information. The term "Confidential Information" shall mean any confidential, non-public or proprietary information concerning either party's products, services, or operations, including without limitation: information concerning either party's financial affairs, partnerships, marketing plans or strategies, current or future business opportunities, current or future products or services, technology, websites, computer or other programs, customers or contact lists, sales leads, relationships with third-party companies, reports, trade secrets, ideas, this Agreement or any other information which Publisher should reasonably know is confidential or proprietary.

H. Creditrepair.com. The term "Creditrepair.com" shall mean Creditrepair.com, Inc.

I. Creditrepair.com Website. The term "Creditrepair.com Website" shall mean www.creditrepair.com.

J. Service Provider. The term "Service Provider" shall mean the following:

1. Creditrepair.com. Creditrepair.com is a provider of credit report repair services.

K. Protected Keywords. The term "Protected Keywords" shall mean any and all branded keywords of Creditrepair.com, Creditrepair.com Website, and/or Creditrepair.com Trademarks, and/or any and all branded keywords associated with or substantially similar to Creditrepair.com, Creditrepair.com Website, and/or Creditrepair.com Trademarks, including, but not limited to, the keywords identified in Exhibit TC-1 attached hereto and incorporated herein by reference. In the event Publisher is uncertain whether a particular search term is protected, it is the obligation of Publisher to seek prior written approval from Advertiser for use of such term.

L. Publisher. The term "Publisher" shall mean the entity identified in the Publisher Contact Information section of an accompanying Insertion Order, as well as any of Publisher's affiliates or other marketing partners. All affiliates or marketing partners of Publisher must be subject to Adverting Practices that are at least as restrictive as those outlined in this Agreement.

M. Transfer. The term "Transfer" shall mean a phone call from a customer of Publisher in which Publisher transfers the call to an Advertiser Call Center.

N. Void. The term "Void" shall mean a reversal of a payment previously earned that is later rescinded or corrected. Advertiser may Void a payment for any transaction that is fraudulent or for which an applicant requests a refund or cancels. Advertiser may deduct Voids from any amount owing to Publisher.


A. Term of Agreement. The Agreement commences on the Acceptance Date set forth in the Insertion Order and terminates on the End Date set forth in the Insertion Order or such later date as the parties may agree in writing. In the event of termination for any reason, anything herein to the contrary notwithstanding, Sections I, III through X, and any other provisions which by its nature should survive termination, shall survive the expiration or termination of the Agreement for any reason.

B. Terminations. Either party may terminate this Agreement for any reason upon three (3) days prior written notice to the other party. In the event of a material breach by either party, the non-breaching party may terminate this Agreement immediately without prior notice or cure period.


A. Regulatory Compliance. Publisher acknowledges and agrees that Advertiser markets products and services that are subject to regulation by various governmental authorities. The level and degree of regulation is subject to change over time. Accordingly, Publisher acknowledges and agrees that Advertiser may, in its sole discretion, terminate this Agreement at any time in order to comply with regulatory requirements, even in the absence of a formal or informal demand by the relevant governmental authority.

B. Use by Publisher. Publisher shall have the non-exclusive, limited, revocable right to advertise using the Advertising Materials only in accordance with the terms and conditions of this Agreement. The benefit and goodwill arising from all uses of trademarks shall inure solely to the benefit of the respective trademark owner.

C. Termination. Unless a subsequent insertion order has been agreed to in writing, upon termination of the Insertion Order, Publisher shall immediately cease using the corresponding Advertising Materials. Any Advertising Materials used in an Internet Directory, public record, or elsewhere shall be removed by Publisher as soon as possible, but in any event not later than the subsequent issue of any such publication.


A. Data Collection Practices Generally. Any data Publisher provides to Advertiser shall be obtained, collected, and compiled using methods that fully comply with all (federal and state) applicable laws, rules, and/or regulations, including, without limitation, the Telephone Consumer Protection Act, the Telemarketing Sales Rule, and the CAN-SPAM Act as they apply to Publisher in connection with the corresponding Insertion Order.

B. Telemarketing Compliance.

1. Data Collection. Any data Publisher provides to Advertiser for telemarketing shall consist of records of persons who (i) have made an inquiry (as that term is used in the Telemarketing Sales Rule and applicable state law, sufficient to satisfy the requirements of an Established Business Relationship as defined in the Telemarketing Sales Rule and applicable state law) regarding Advertised Services, and (ii) have not subsequently requested to be added to Publisher's internal do-not- call list pursuant to the National Do Not Call Registry.

2. Record Keeping. Publisher shall maintain records, and will supply such records to Advertiser upon request, evidencing (i) compliance with the National Do Not Call Registry, (ii) maintenance and compliance with an internal do-not-call list, and (iii) the inquiry including, without limitation, the person receiving the inquiry or applicable IP addresses, and time/date stamps.

C. Email Compliance.

1. Data Collection. Any data Publisher provides to Advertiser for email marketing shall consist of records of persons who have given Affirmative Consent (as defined in the CAN-SPAM Act and applicable state law) to receive third party commercial email advertising messages regarding Advertised Services and have not subsequently sent an unsubscribe request revoking this Affirmative Consent.

2. Record Keeping. Publisher shall maintain records, and will supply such record to Advertiser upon request, evidencing (i) maintenance and compliance with a suppression list of individuals and/or entities (in accordance with the CAN-SPAM Act) that have indicated they do not wish to receive subsequent email marketing, and (ii) the Affirmative Consent including, without limitation, the person receiving the Affirmative Consent or applicable IP addresses and time/date stamps.

D. Natural Search. Publisher is prohibited from link farming, page cloaking or other deceptive practices to manipulate natural search rankings. In general, a search engine and an end user should see the same content on a website. All titles and descriptions used for search listing must be current, accurate, and not deceptive.

E. Paid Search. Publisher is prohibited from bidding on Protected Keywords. Publisher is further prohibited from utilizing paid search to link directly to the Creditrepair.com Website without the use of a landing page.

F. Other Advertising. Publisher is prohibited from marketing or advertising Creditrepair.com Services by any means not specifically approved in this Agreement or a supplemental Insertion Order without Advertiser's prior written approval. Examples of prohibited advertising include, but are not limited to, direct mail, radio, television, yellow page ads, etc.

G. Messaging. Advertiser must approve in writing all advertising and messaging that Publisher uses for marketing on behalf of Advertiser in advance of its commercial use. Advertiser will provide approved creative for marketing purposes. Publisher may not use any content or information from the Creditrepair.com Website, including textual content, graphics, pictures, etc., without prior written approval from Advertiser.

H. Advice and Counsel. Publisher is prohibited from making any statement or giving any advice or counsel that is untrue or misleading, or which upon the exercise of reasonable care should be known to be untrue or misleading. Publisher is prohibited from making any statement or giving any advice or counsel contrary to federal or state credit repair laws.

I. Publisher Identification. In all advertising, Publisher shall clearly differentiate between the Publisher and Service Provider. Publisher is prohibited from portraying its website as the Creditrepair.com Website or as any website owned and/or operated by the Service Provider. Publisher shall not suggest, imply, or otherwise communicate in any way that Publisher is contacting anyone on behalf of the Service Provider or that Publisher is partnered or affiliated with the Service Provider.

J. Advertisement Identification. Each and every Publisher advertisement that includes Publisher's endorsement of and/or personal experience with the Advertised Services and/or Service Provider shall contain a clear and conspicuous identification that Publisher is either being paid or has received a promise of compensation in exchange for the endorsement, pursuant to the FTC Guides Concerning the Use of Endorsements and Testimonials in Advertising located at 16 C.F.R. Part 255.

K. Downloadable Applications. Publisher is prohibited from promoting Creditrepair.com via downloadable applications, also known as spyware, adware, or similar applications. Using software that redirects traffic is strictly forbidden.

L. Transfers.

1. Call Procedure. Publisher's call center agents (i) receiving inbound calls from those customers who call into Publisher's call centers, and (ii) making outbound calls, along with Publisher's Interactive Voice Response system, (collectively "Publisher's call center agents"), will determine each customer's interest in a product or service marketed by Advertiser by presenting a script ("Script") prepared and approved by Advertiser and delivered to Publisher with a corresponding insertion order. Publisher's call center agents shall read the Script questions verbatim. Advertiser, in its sole discretion, may update or modify the Script or test different formulations of the Script and Publisher shall implement such new scripts within one (1) business day of confirmed receipt of the updated or modified Script.

2. Permission to Transfer. Publisher's call center agents will, upon a customer's expression of interest in the products or services identified in the Script, obtain from such customer (prior to any Transfer) the customer's express and explicit consent and permission for the Publisher's call center agent to transfer the customer to an Advertiser Call Center.

3. Best Efforts. Publisher's call center agents will devote their reasonable best efforts to transfer all such customers who (1) express an interest in the products or services identified in the Script, and (2) give consent and permission to be transferred, to an Advertiser Call Center, which will then attempt to market such products or services to each such customer. If permitted by an applicable Insertion Order, use of an approved IVR script shall be considered reasonable best efforts.

4. Telecommunication Costs. Publisher shall be solely responsible for all telecommunications costs related to all calls prior to the Transfer of the customer to an Advertiser Call Center.

5. Forecasts. Within five (5) business days of a request during the term of this Agreement, Publisher shall provide Advertiser with a rolling ninety (90) day forecast, made in good faith upon reasonably diligent preparation, of its anticipated number of transfers for each of the previous ninety (90) days beginning with the first day on which the forecast is provided. The forecast shall state Publisher's estimate of the number of customer calls anticipated to be transferred during each of the days in the ninety (90) day period. In each forecast, Publisher may modify information provided in a prior forecast to more accurately reflect current information. Publisher shall use commercially reasonable efforts to ensure that its forecast is as accurate as possible.

6. Reports. Upon request, Publisher will provide Advertiser with a report which shall consist of at least: (i) the number of customers who are read or otherwise are presented with the Script, and (ii) the number of customers who are transferred to an Advertiser Call Center. Upon request, Advertiser will provide Publisher with a report which shall consist of the number of customers who are transferred to an Advertiser Call Center.


A. Title and Ownership. This Agreement does not grant any title or ownership interests in any Advertising Materials to Publisher. All title and ownership in all Advertising Materials is retained and remains the exclusive property of its respective owner. Publisher shall have only those revocable rights in or to the Advertising Materials explicitly granted to Publisher pursuant to this Agreement.

B. Legal Challenges. At no time during this Agreement shall Publisher challenge or assist others to challenge the registration of any Advertising Materials, nor shall Publisher attempt to register for its own benefit any Advertising Materials or any materials that are substantially and/or confusingly similar to the Advertising Materials.


A. Intellectual Property. Each party represents and warrants to the other that no intellectual property used to perform this Agreement will infringe any third-party patent, copyright, trade secret, or other proprietary right.

B. Conflicting Obligations. Each party represents and warrants to the other that it is not currently bound by any other agreement, restriction, or obligation which in any way interferes or is inconsistent with this Agreement. Neither party shall assume any such obligation or restriction while this Agreement remains in force.

C. Advertising Practices. To the extent that Publisher provides any advertising covered by such practices, Publisher represents and warrants that it will comply with the Advertising Practices identified in Section IV.



A. Indemnification Generally. Each party (the "Indemnifying Party") will defend, indemnify and hold harmless the other party (the "Indemnified Party") from all damages, expenses, costs (including reasonable attorneys' fees) and other liabilities arising from the reckless, willful or negligent acts or omissions of the Indemnifying Party, its employees or agents in connection with its obligations under this Agreement.

B. Indemnification for Warranties and Representations. Each party agrees to indemnify and hold the other party harmless from and against all direct costs, losses, damages, liabilities and expenses, including reasonable attorneys' fees, attributable to any claim arising from the Indemnifying Party's or any of its agents, affiliates, subsidiaries, directors, officers, employees, licensors, licensees, consultants, contractors, and partners' breach or alleged breach of any of the representations, warranties, covenants, agreements or obligations under the Agreement, provided that (i) the Indemnified Party gives prompt written notice of any such claim of which the Indemnified Party has knowledge; and (ii) that Indemnifying Party receives the full cooperation of the Indemnified Party in the defense thereof.

C. Limitation of Liability. Neither party will be liable to the other for any special, indirect, exemplary, punitive or consequential damages (for example, lost profits), even if the parties know about the possibility of these damages. Neither party will have any liability for any failure or delay resulting from any governmental action, fire, flood, insurrection, earthquake, power failure, riot, explosion, embargo, strikes whether legal or illegal, labor or material shortage, transportation interruption of any kind, work slowdown or any other condition affecting production or delivery in any manner beyond the control of that party. Publisher acknowledges that Advertiser has entered into the Agreement in reliance upon the limitations of liability set forth herein and that the same is an essential basis of the bargain between the parties.

D. Time. Except for cases involving fraud on the part of the Publisher, no action will be brought against either party more than 12 months after the cause of action first arises.


A. Survival. All confidentiality provisions shall survive termination of this Agreement for any reason and will continue to remain enforceable.

B. Acknowledgment. Publisher acknowledges and agrees that any Confidential Information received from Advertiser during the course of this Agreement is a valuable trade secret, constituting the confidential and proprietary property of Advertiser. Advertiser has taken steps that are reasonable under the circumstances to protect the confidentiality of such information. Such information derives economic value from not generally being known to and not readily being ascertainable by others.

C. Ownership. Both parties further agree that all Confidential Information and all documents that contain, reflect or are generated from Confidential Information are the sole and exclusive property of the party making a disclosure of its own Confidential Information (the "Disclosing Party").

D. Non-Use and Non-Disclosure. Both parties shall: (i) stringently protect the confidentiality of all Confidential Information and, (ii) not disclose Confidential Information to any third party, except as needed in connection with the performance of its obligations under this Agreement to the benefit of the Disclosing Party, and even then only to third parties that have signed a non-disclosure agreement containing provisions substantially similar to and at least as protective as the terms of this Agreement, and (iii) will not use, copy, or modify Confidential Information except as authorized for the benefit of the Disclosing Party. A party may disclose the other party's Confidential Information if required by law so long as the other party is given prompt written notice prior to disclosure and the party assists in obtaining an order protecting Confidential Information from public disclosure.

E. Confidentiality of Agreement; No Press Releases. Neither party will disclose the existence of this Agreement or the terms of this Agreement to any third party without the prior written consent of the other party, except (i) as required by applicable laws, or (ii) to qualified legal, accounting, or other professionals who represent the party and are obligated to maintain this Agreement in confidence. Neither party will make public the relationship between the parties or the existence of this Agreement without the prior written consent of both parties.


A. Employees. During the term of this Agreement, and for a period of one (1) year thereafter, neither party shall directly or indirectly solicit for employment, or advise or recommend to any other person, firm, business or entity that they employ or solicit for employment, any employee of the other party or any employee of an affiliated business of the other party, other than through general advertisements for employment.

B. Affiliates. Neither Advertiser nor Publisher shall knowingly or intentionally solicit each other's affiliates. Trade conferences, generalized advertisements, and communications sent to multiple affiliates about affiliate opportunities shall not be considered a knowing or intentional solicitation. Should an affiliate of its own accord contact Advertiser or Publisher, Advertiser or Publisher shall be free to pursue an affiliate relationship with that affiliate.


A. Governing Law. This Agreement is governed by Utah law without reference to its conflict-of-laws principles and will be deemed to have been entered into and wholly performed within Utah.

B. Dispute Resolution and Venue. In the event of any dispute, question, controversy or claim (collectively "Dispute") arising out of or relating to this Agreement, the parties shall meet and attempt in good faith to satisfactorily resolve the Dispute. Any Dispute that the parties cannot resolve shall be settled by mediation in accordance with the rules of the American Arbitration Association. Any Dispute not resolved by mediation within sixty (60) days after submission by either party shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association then in force. The arbitration hearing shall take place in Salt Lake City, Utah, which the parties agree is reasonable. The decision of the arbitrator shall be final and binding on the parties. The parties agree that each may bring any Dispute against the other only in his/her/its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. The parties hereby voluntarily, knowingly, irrevocably and unconditionally waive any right to have a jury participate in resolving any Dispute between or among them arising out of or in any way related to the Agreement.

C. Attorneys' Fees and Costs. If any litigation or arbitration proceeding is commenced in connection with this Agreement, the prevailing party, if any, will be entitled to payment by the other party of its reasonable attorney fees (including allocated costs for in-house legal services), costs and necessary disbursements incurred in such action or proceeding, as determined by the court or arbitrator.

D. Equitable Relief. Any breach of a party's obligations with respect to intellectual property or confidentiality rights will cause irreparable injury for which there are no adequate remedies at law. The aggrieved party will be entitled to seek equitable relief in addition to all other remedies and money damages that may be available, without the posting of bond or other security, or if required, then the minimum bond or security so required.

E. Amendments. Any amendment or modification to this Agreement must be in writing signed by both parties.

F. Assignment. Either party may assign its obligations under this Agreement upon giving written notice to the other party, except that neither party shall assign its obligations under this Agreement to a direct competitor of the other party without the other party's prior written consent.

G. Notices. Any notices under the Agreement shall be sent to the addresses set forth in the relevant Insertion Order (or in a separate writing agreed to in writing by the parties) by facsimile, mail or express delivery service and deemed given upon receipt.

H. Waiver. The waiver or failure of either party to exercise any right provided for in this Agreement will not be deemed a waiver of any further or future right under this Agreement, and will not act to amend or negate the rights of the waiving party.

I. Severability. If any provision contained in the Agreement is determined to be invalid, illegal or unenforceable in any respect under any applicable law, then such provision will be severed and replaced with a new provision that most closely reflects the original intention of the parties, and the remaining provisions of the Agreement shall be valid and shall remain in full force and effect to the extent permitted by law.

J. Entire Agreement. This Agreement is the final, full and exclusive statement of the agreement between Advertiser and Publisher with respect to the subject matter set forth herein. It supersedes all prior agreements and inducements relating to the subject of this Agreement. No promise or agreement made at or after the execution of this Agreement is binding unless it is written and signed by both parties. Section headings are for convenience of reference only, will not be construed to limit or extend the meaning of any provision and will not be relevant in interpreting this Agreement. As used in this Agreement, the terms "include" and/or "including" mean by way of example and not limitation. Each party acknowledges and agrees that it has had the opportunity to seek independent legal and financial advice and has either done so or waived its opportunity to do so, and therefore no presumptions with respect to the drafter shall apply in connection with interpreting this Agreement.

K. Counterpart and Facsimile. This Agreement may be executed in any number of counterparts, each of which when so executed and delivered shall be deemed an original, and such counterparts together shall constitute one and the same instrument. For purposes hereof, a facsimile copy of this Agreement shall be deemed an original.

L. Time of the Essence. Time is expressly made of the essence of all the provisions of this Agreement.

M. Intentional Risk Allocation. The provisions of this Agreement reflect an informed, voluntary allocation between the parties of the risks (known and unknown) that may exist in connection with this Agreement. This voluntary allocation was a material part of the bargain between the parties and the economic and other terms were negotiated and agreed to by the parties in reliance on that allocation.

N. Independent Contractors. The parties are independent contractors. Under no circumstances will the employees of one party be deemed the employees of the other. This Agreement does not grant authority for either party to act for the other in an agency or other capacity, or to make commitments of any kind for the account of or on the behalf of the other.

Exhibit TC-1 Protected Keywords

All "CreditRepair.com" branded keywords including but not limited to the following:

[creditrepair com]
[credit repair com]
[creditrepair.com reviews]
Credit repair com
[www.creditrepair com]
[www creditrepair.com]
[www.credit repair .com]
[creditrepair.com complaints]
'CreditRepair.com scam'
www. Creditrepair
[www. Credit repair.com]
[reviews of creditrepair.com]

**Last updated 4/23/12