TERMS OF POLICIES

Materials appearing in this website are owned and copyrighted by CREDITORbureau.com. Please read our Privacy Policy. No part of this website may be reproduced without the consent of CREDITORbureau.com.

Privacy Policy

We at CREDITORbureau.com respect your privacy. The terms of this Privacy Policy form part of and should be read in conjunction with the Terms of Service governing this website.

Collection of Personal Information

CREDITORbureau.com may collect information through by its webservers & hosts. Rest assured this shall be solely for the assessment of our system's technical performance and for the enhancement of our service.

CREDITORbureau.com may also collect information from users specifically, those that pertains to registration or signing up to use the services offered by this site. In this case, we may need you to provide your name, age, email address, mailing address, phone number, fax number and other personally identifiable and non-personally identifiable information. We may require users to create a user name and a password if needed.

CREDITORbureau.com will not collect sensitive information about you from any third party without your consent.

Use of the Site by Minors

Because minors (under the age of 18) are not eligible to use services that require submission of personal information to CREDITORbureau.com , these services may be availed of only if used together with a parent or guardian. CREDITORbureau.com will not provide or disclose personal information about children to third parties.

Use and Disclosure of Information

CREDITORbureau.com will use personal information you provide for the purpose of providing you with the service, info or product that you have requested.

We will not sell, rent, trade, share, reveal or disclose any of your personal information, unless

1. you specifically directed us to do so;
2. you have requested that we provide you with specific services;
3. a Court of competent jurisdiction or a government order, decree, regulation or rule of any regulatory agency requires us to do so;
4. it is stated in our terms and conditions;
5. we believe, within reason, that use of disclosure is necessary to prevent or lessen a serious and imminent threat to an individual's life, health or safety or a serious threat to public health or safety; or,
6. we have reason to suspect that unlawful activity has been, is being or may be engaged in and the use or disclosure of your personal information is a necessary part of our investigation of the matter or in reporting our concerns to relevant persons or authorities.

In the case of event 5 and 6, the user agrees that we may disclose information in connection with such events and/or concerns, with or without a subpoena, warrant, and/or other court order and that we may disclose such information in response to court and governmental orders, civil subpoenas, discovery requests and as otherwise required by law, as well as in response to allegations of infringement or as we feel may be required to protect CREDITORbureau.com, the Services and hosts, the Site, our users, or other third parties.

We may provide aggregate information and statistics about CREDITORbureau.com customers, sales, traffic patterns, and related site information to third parties, but these statistics may not necessarily include individual personal information.

Cookies

Cookies are pieces of information that a website can transfer to an individual's web browser on their computer hard drive for record keeping. Cookies can make using websites easier to use by storing information about your preferences on a particular website. The information remains on your computer after the Internet session finishes.

CREDITORbureau.com may elect to use cookies and other techniques at anytime to improve the functionality of its site and support all browsers.

CREDITORbureau.com may elect to use cookies at anytime to assess the performance of the Website and to confirm your preferences.

Most Internet browsers are pre-set to accept cookies. If you prefer not to receive cookies, you can adjust your Internet browser to refuse cookies or to warn you when cookies are being used.

Log Files

CREDITORbureau.com may elect to use at anytime IP addresses to analyze trends, administer the site and the services, track user movement, and gather broad demographic information for aggregate use.

Review and Update of Information

If applicable, you may access, review, delete/deactivate and update your own personal information that you have previously provided to us by clicking on the "Edit Profile" link after logging in.

If applicable, and if you wish to deactivate your membership, you may email us at webmaster@CREDITORbureau.com

Links to Other Sites

The website contains links to other websites that we feel might be useful to you. When you access the link to them, you are no longer on our site and are subject to the privacy policy of the new site.

CREDITORbureau.com shall not be held responsible for the privacy practices or the content of these other websites. Our policy applies only to information collected on our site and through our on-site services.

Data Security

We at CREDITORbureau.com takes your privacy very seriously. We may have practices that include the secure storage of personal information and safeguards against the accidental release of personal information.

If you have any concerns about your privacy and the use of the Website or any of CREDITORbureau.com services or products, please contact the respective link to whoever needs to be contacted.

Consent and Changes to Privacy Policy

By using the Site or the Services, you signify your assent to our Policy. If you do not agree to our Policy, please do not use the Site or the Services. We reserve the right to change our terms, conditions and privacy policy at anytime without notice. If we decide to change our Privacy Policy, we will post these changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

DISCLAIMER AND LIMITATION OF LIABILITY

THE SERVICE AND CONTENT FROM OR THROUGH THIS SITE ARE PROVIDED "AS-IS" AND CREDITORbureau.com HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED (INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE INFORMATION HEREIN MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. CREDITORbureau.com DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE THROUGH THIS SITE, INCLUDING ANY LINKS TO OTHER INTERNET SITES, IS ACCURATE, COMPLETE OR CURRENT, AND CREDITORbureau.com ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT CONTAINED ON THIS SITE.

In no event shall CREDITORbureau.com be liable for any compensatory, direct, indirect, incidental, punitive or consequential damages of any kind whatsoever arising out of or in connection with the use of this site, including liability for any damages caused by viruses contained within the electronic files or at the site, loss of data, income or profit, or loss of or damage to property or claims of third parties.

You agree to indemnify, defend and hold CREDITORbureau.com and its directors, officers, employees, affiliates, licensors, content and service providers, distributors, dealers and suppliers harmless from any liability, loss, claim and expense, including attorney's fees and expenses, related to your violation of these terms or use of the Web site.

COPYRIGHT

All Web site design, text, graphics, as well as the selection and arrangement thereof, Copyright@2009 CREDITORbureau.com ALL RIGHTS RESERVED. Permission is granted to electronically copy and to print hard copy portions of this Web site solely for the purpose of placing an order with CREDITORbureau.com. In consideration of this authorization, you agree that any copy of these materials which you make shall retain all copyright and other proprietary notices in the same form and manner as on the original. Unless prior written permission is obtained from CREDITORbureau.com, any other use of materials on this Web site, including reproduction for purposes other than those noted above, modification, distribution, or republication, is strictly prohibited. VISITORS OR USERS ARE NOT PERMITTED TO MODIFY, DISTRIBUTE, PUBLISH, TRANSMIT OR CREATE DERIVATIVE WORKS OF ANY MATERIAL FOUND ON THIS SITE FOR ANY PUBLIC, GENERAL OR COMMERCIAL PURPOSES.

TRADEMARKS

CREDITORbureau.com, its logo design, and all page headers, custom graphics and button icons are service marks, trademarks, and/or trade dress of CREDITORbureau.com; is a registered trademark of CREDITORbureau.com in the United States and other countries. All other trademarks, product names, and company names or logos cited herein are the property of their respective owners. CREDITORbureau.com prohibits the use of the CREDITORbureau.com logo as a "hot" link to any CREDITORbureau.com Web site unless the establishment of such a link is approved by CREDITORbureau.com.

LICENSE DISCLAIMER

Except as specified above, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark or copyright of CREDITORbureau.com or any third party.

CHOICE OF LAW AND JURISDICTION

CREDITORbureau.com controls this Web site (excluding linked sites) from Quezon City, Metro Manila, the Philippines. It can be accessed from all other countries around the world. As each of these places has laws that may differ from those of the National Capital Region of the Philippines, by accessing this Web site both the User and CREDITORbureau.com agree that the statutes and laws of the Philippines, without regard to conflicts of laws principles thereof, will apply to all matters relating to use of this Web site. User and CREDITORbureau.com also agree and hereby submit to the exclusive personal jurisdiction and venue of the Circuit Court of said country, with respect to such matters. CREDITORbureau.com makes no representation that materials on the Web site are appropriate or available for use in other location, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. All information available on the Web site is subject to Philippines' export control laws and may also be subject to the laws of the country where you reside.

TRANSMISSION OF PERSONAL DATA/USER COMMUNICATIONS

Except as required by law, CREDITORbureau.com will maintain the confidentiality of all personal information transmitted to CREDITORbureau.com by the User. Any feedback you provide at this Web site shall be deemed to be non-confidential and CREDITORbureau.com will have no obligation to protect such information and may use such information on an unrestricted basis.

*DISCLAIMER: This site does NOT practice law nor offer legal, accounting and tax advice. Please consult a legal practitioner, taxman or respective professionals who are experts in their respective fields of practice related to such subject matters, should you need help. We offer no other pertinent advice until you sign with us an agency-client relationship agreement where we may charge you a non-refundable broker fees accordingly. By visiting this site, your IP address is recorded. Also, your phone number is captured and you hereby grant us permission to call you even if your number is listed in the "do not call list" of USA.