Legal Content
QLCredit Website Services

Privacy & Security

This website (“Site” or “QLCredit.com” ) and service (“Service”) are owned, operated and provided to you by QuP, LLC (“QuP,” “us,” or “we”). By using this Site or using the Service, you acknowledge that you understand and agree to the terms of this privacy policy (“Policy”). We may change this Policy from time to time, so please visit this Site often to see if anything has changed. If we post changes and you continue to use the Service, you will be deemed to have agreed to the changes.

Information we Collect

In order to use our Service, which may be accessible and used on the Site or through our mobile application that you can download to your mobile device (“app”) we will ask you to register on the Site or app and supply certain personal information that is necessary to use the Service. By registering, you can save information for later review and updating.

When you register, you will choose a password and provide us an e-mail address which will be used to access to your account with us, financial profile and/or customized loan options. We will use this contact information to provide you with alerts and updates regarding our service.

You are responsible for ensuring that the information you provide to us is accurate and current, and that you will update your information when needed. You are solely responsible for the access to and security of your account with us, including the safekeeping of your username and password.

We collect non-personal information about visitors to our Site and users of our Service through the use of tracking devices such as cookies. Cookies allow us to remember you when you visit the Site and use the Service. We may use information collected from cookies to evaluate how our Site is used and to make improvements.


How we use and share the information we collect

We will use your information to provide the Service to you. If you chose not to provide information required to use the Service, we unfortunately will not be able to provide you the Service you are requesting.

We will send you emails regarding the Service and other of our, our affiliates, and our partners’ products and services. You may unsubscribe from these promotional emails at any time by following the instructions in the email or by notifying us at the address below.

We may share aggregate, non-personal information with our related companies, consultants, advertising clients, retailer partners, service providers, advertising agencies and other third parties for various purposes, such as delivering and improving our Service and for Site analytics and performance reporting.

You may be given the opportunity to initiate an online interactive discussion or PC to Phone communication with our support professionals. We do not ask for any personally identifiable information, beyond what you have already given us to use this service; if you volunteer personally identifiable information, it will only be used to respond to your request. We maintain transcripts of chat sessions.

When sending you e-mail we may use an image called a single-pixel GIF, that allows us to format messages that best align with your computer’s capabilities, and determine whether you’ve opened an HTML e-mail. When you click on a link within an e-mail message, you will first pass through our server, and then are redirected onto the Internet. We use this data on an aggregate level to evaluate response rates to our e-mail messages and to determine which links are most useful to our customer base.

We will employ or use service providers such as title companies, appraisers, consultants, temporary workers, third party software developers, and others to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our web site technology, deliver products, or to send e-mails. When we employ service providers, we may need to share your personally identifiable information. Service providers are prohibited from using your personally identifiable information for purposes other than to act on our behalf.

Although we respect and honor the privacy preferences you have expressed, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.

We do not share your personal information with any unaffiliated third party for their own marketing purposes.

We may be required by law enforcement or judicial authorities to provide personally identifiable information to the appropriate governmental authorities. If requested as part of a legal proceeding, we will provide this information upon receipt of the appropriate documentation.

Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of QuP. You will have the opportunity to opt out of further secondary use of your information following any change of control.

In some cases we may disclose certain information to comply with legal process, such as a court order, subpoena, search warrant, or law enforcement request.

Reviewing and updating your information

You may view and modify all your information within your "My Account" settings at www.QLCredit.com

Protecting Children's Privacy

Our Services are not directed to or intended for use by children under the age of 18. As such, we do not knowingly or intentionally collect personal information from children under 18 on our Site. If you believe we have inadvertently collected information from a child under 18, please contact us using the contact information below.

Changes to Our Privacy Policy

If we plan to make significant changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we’ll post those changes to the Site 30 days before they take effect.

How we protect your Information

We use industry recognized security to help protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. All data that you provide is protected with technology that enables encryption of your data. We use:

  • Secure Socket Layer (SSL): Our server supports the Secure Socket Layer (SSL) transaction protocol originally developed by Netscape and now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a Web server and its users.
  • 128-Bit Domestic Grade Strong Encryption: We use 128-Bit Domestic Grade Strong Encryption. (However, be aware that if you are using a 40-bit browser, your encryption level, while secure, is not the highest level available. United States and Canadian citizens can download free 128-bit browsers from Mozilla, Netscape or Microsoft).
  • Firewalls: We work to protect personally identifiable information stored on the Site’s servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices.
  • Employees: All employees must review and sign a written statement of these practices which include limiting access to sensitive information to only those employees who require the information and enforcing strict password protocols for all employees. In addition, a username, member ID name and password are required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.

However, notwithstanding all of these safeguards, we cannot guarantee the safety and security of your information from unauthorized access when in transit to and residing on our servers.

Advertising and Tracking

We may display advertisements on the Site and through the app for our products and services and those of third parties through various advertising networks. Some of these advertisements may be served based on your visiting our and other web sites. If you do not want to be tracked for these purposes, you may opt out by through the Network Advertising Initiative (NAI) by clicking here. Please note that if you elect to opt-out of receiving targeted advertisements, you will continue to receive generic non-targeted ads. If you set your browser to not be tracked, our server will not read that signal and you will still be tracked.

Your California Privacy Rights

California Civil Code § 1798.83 permits our visitors who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to privacy@qlcredit.com or write us:

QuP, LLC
Attn: Legal
1042 Woodward Avenue
Detroit, MI 48226

Site Hosted in the United States

This Site is hosted and operated in the United States. If you access the Site or use the Service outside of the United States, you understand and unambiguously agree that all information that you provide and that we collect will be collected, processed, stored and maintained in the United States.

QuP, LLC
1042 Woodward Ave.
Detroit, MI 48226
privacy@qlcredit.com

Terms of Use

By using this website (“Web site”) you acknowledge that you have read, understand and agree to these terms of use (“Terms” or “Terms of Use”) which shall govern you use of the Web site and QuP Service. Please read, scroll down, and accept these disclosures, disclaimers and authorizations in order to receive your credit report through this Site. We may change these Terms from time to time, so please be sure to visit this Web site often to see if anything has changed. If we post changes and you continue to use the Web site, you will be deemed to have agreed to the changes.

CLICKING ONTO WEB PAGES BEYOND THE WEB SITE’S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEB SITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY E-MAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEB SITE.

Terms of Use

1. Web site ownership

This Web site is owned and operated by QuP, LLC, 1042 Woodward Ave, Detroit, MI 48226, which is referred to below as “QuP”; or “we” or “us” or “Company” or “our.”

2. Permission to use

You agree that:

  • your use of this Web site is subject to and governed by these Terms of Use,
  • you will only access or use this Web site and transact business with us if you are at least 18 years old,
  • you will comply with and be bound by these Terms of Use as they appear on this Web site each time you access and use this Web site,
  • each use of this Web site by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
  • these Terms of Use are a legally binding agreement between you and QuP that will be enforceable against you.

You agree that you will not use or attempt to use this Web site for any purpose other than conducting legitimate personal business with QuP; you may not use or attempt to use this Web site or any part of this site for any purpose:

  • that interferes with or induces a breach of the contractual relationships between QuP and its employees,
  • that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
  • that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail, unsolicited commercial communications,
  • that transmits any harmful or disabling computer codes or viruses,
  • that harvests e-mail addresses from this site,
  • that transmits unsolicited e-mail to this site or to anyone whose e-mail address included the domain name under on this Web site,
  • that interferes with our network services;
  • that attempts to gain unauthorized access to our network services,
  • that suggests an express or implied affiliation with QuP (without the express written permission of QuP),
  • that impairs or limits our ability to operate this Web site or any other person’s ability to access and use this Web site, and/or
  • that uses any methods, means or devices to click on to this Web site or cause a visit to this Web site for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting business with QuP.

3. Access to this web site

QuP reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this Web site.

4. Use of this web site

You agree and acknowledge that you have the sole responsibility and liability for your use of this Web site and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this Web site. You are responsible for ensuring that the information you provide to us is accurate and current, and that you will update your information when needed. You are solely responsible for the access to and security of your account with us, including the safekeeping of your username and password.

5. Intellectual property rights

The following marks appearing on this Web site including, but not limited to QuP® and their respective logos, emblems, slogans and designs are service marks of QuP, LLC. All other marks used on this Web site are the property of their respective owners.

6. Web Page Content:

You acknowledge and agree that:

  • all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this Web site (collectively “Web Page Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
  • all rights associated with the Web Page Content are owned by QuP, its licensors, or content providers.

Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content.

You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content. You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this Web site, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this Web site, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, e-mail addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this Web site:

  • in or as any meta-tag or hidden text;
  • in or as part of any contextual marketing directory, index, or triggering term;
  • as content or advertising related to any other Web site including, but not limited to, comparative/informational Web sites; and/or
  • as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s Web site or controls the content of any other Internet browser window.

7. Submissions:

You acknowledge and agree that all submissions to QuP containing any comments, improvements, suggestions, and ideas regarding this Web site will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge QuP’s unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.

8. Testimonials:

You acknowledge and agree that by submitting a testimonial to QuP, you irrevocably grant to QuP the unrestricted, nonexclusive worldwide right and license (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that QuP may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.

9. Not Responsible For Links to Other Web Sites:

For your convenience, this Web site may provide links to other Web sites on the World Wide Web. Unless expressly stated otherwise on this Web site, QuP does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any Web sites to which this Web site may provide a link. By using this Web site you acknowledge and agree that QuP will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.

10. Advertising / No Links:

QuP does permit third-party advertising on this Web site. Visit our privacy policy for your options with regard to how and what advertisements are served to you.

11. Revisions and Modifications

You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this Web site at the time you access this Web site. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this Web site are subject to updating and revision without notice to you.

12. Location

You understand and acknowledge that QuP controls and operates this Web site from within the United States of America. This Web site provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this Web site will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this Web site.

13. User IDs and Passwords

Certain areas or features of this Web site are restricted to users who have obtained a user identification and password by completing a registration process described on this Web site. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this Web site. You agree to notify QuP immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this Web site by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this Web site that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

14. Privacy and Security

For information on how QuP uses and protects the personal information that you may provide through this Web site, please review our privacy policy.

15. Indemnification

If you make any unauthorized use of this Web site or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify QuP and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of QuP and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this Web site and/or your breach/violation of or failure to comply with the Terms of Use.

16. Disclaimers

THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, QUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. QUP MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. QUP HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE. YOU ACKNOWLEDGE AND AGREE THAT QUP IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEB SITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEB SITE, QUP EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. QUP MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEB SITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR ANY DEFECTS IN THIS WEB SITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT QUP, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE.

17. Limitation of Liability

YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL QUP BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEB SITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE. YOU AGREE THAT QUP SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY 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 OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL QUP’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEB SITE OF WEB PAGE CONTENT THEREON.

18. Financial Advice

Any recommendations or analysis preformed or provided on the Web site is not intended to represent financial advice or guarantee future results. Prior to making any investment or financing decisions, please consult a qualified attorney or financial advisor.

19. Time Sensitive Instructions:

When communicating with us through this Web site, PC-talk, chat or via e-mail, do not use the Web site, PC-talk, chat or e-mail to communicate any time-sensitive instructions. Such instructions may not be honored. All transactions conducted on this Web site, PC-talk, chat or via e-mail, must be confirmed in writing by us to be accepted by and binding upon us.

20. E-Signature:

General communications through this Web site, PC-talk, chat or via e-mail are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a “click to accept” button, or the like, is binding upon you.

21. Recording & Monitoring of Communications:

Your communications with us via the Web site, PC-talk, chat e-mail, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.

22. Permission to Be Contacted:

By submitting information to QuP through this Web site or otherwise you are making an inquiry as to programs and services offered by QuP and partners of QuP and give QuP permission to contact through e-mail, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.

23. Application of Additional Terms

You acknowledge that certain features of this Web site, as well other products and services of QuP and partners of QuP, including those that may be available through this Web site, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

24. Governing Law

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Michigan, without giving effect to any principles of conflicts of law. You agree that any and all disputes, controversies, demands, counts, claims, or causes of action between you and us (including, but not limited to, disputes related in any way to the interpretation and scope of this clause, Terms of Use, Privacy Policy, and use of the Site and Services) shall brought, heard and settled in the state or federal courts located in Wayne County, Michigan, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

If any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

25. Consumer Disclosures

The Fair Credit Reporting Act allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at TransUnion must be obtained directly from TransUnion by logging on to https://www.transunion.com/customer-support/main. The credit report you are requesting from QuP is not intended to constitute the disclosure of TransUnion information required by the Fair Credit Reporting Act or similar state laws.

You are entitled to receive a disclosure directly from each of the consumer reporting agencies free of charge under the following circumstances:

  • You have been denied credit, insurance or employment within the past sixty (60) days as a result of your credit report;
  • You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the date on which you made the certification;
  • You are a recipient of public welfare assistance;
  • You have reason to believe that your file at the agency contains inaccurate information due to fraud;
  • Annually at www.annualcreditreport.com.

Otherwise, the consumer reporting agency may impose a reasonable charge for the disclosure.

The Fair Credit Reporting Act permits you to dispute inaccurate or incomplete information in your credit file. You understand that accurate information cannot be changed.

You do not have to purchase your credit report or other information from QuP to dispute inaccurate or incomplete information in your TransUnion file or to receive a copy of your TransUnion consumer credit report.

TransUnion provides a proprietary consumer disclosure that is different from the consumer credit report provided by QuP. The disclosure report must be obtained directly from TransUnion. Consumers residing in the States of Colorado, Massachusetts, Maryland, New Jersey, and Vermont may receive a free copy of their consumer credit report once per year and residents of the State of Georgia may receive two copies per year.

The Fair Credit Reporting Act permits you to dispute inaccurate or incomplete information in your credit file. You understand that accurate information cannot be changed.

By creating a QLCredit.com account, you are providing written instructions to QuP, LLC. under the Fair Credit Reporting Act to obtain information from your personal credit profile from TransUnion. You authorize QuP, LLC. to obtain such information solely to confirm your identity and as long as you are a member of this website, provide you with credit information, a risk score, educational materials, and recommendations for credit or other service options. If at any time you desire to terminate this authorization you may do so with no further obligations.

26. Payment for the Service; Authorization for Recurring Charges

If we charge you for your access to the QLCredit Service, we will do so using the billing information you provide at the time of enrollment. By enrolling in the Service, you authorize us to charge your billing information the fees then in effect for the Service. We reserve the right to correct any errors or mistakes that it makes, even if it has already requested or received payment, and to update your information from available third-party sources. Access to the Service requires a subscription and may consist of an initial period, where you can try the Service for free, followed by recurring charges authorized and agreed to by you at the time of enrolment. To change or cancel your subscription at any time, log into your account or contact us using the “Contact Us” link on any page of the Site. Until you cancel, your access to the Service will be automatically renewed for successive renewal periods of the same duration as the initial term originally selected, at the then-current non-promotional subscription rate. If you cancel a monthly subscription, you may access the Service until the end of your then-current term; your access will not be renewed after your then-current term expires. You will not be eligible for a prorated refund of any portion of a monthly subscription fee paid for the then-current membership period.

We accept all major credit and debit cards for enrollment in the QL Credit Service. At present, this includes Visa®, MasterCard®, American Express® and Discover®. We may pre-authorize your credit card at the time you place an order, which may have an effect on your available credit line. Upon processing your order, we will charge your credit card in full for the amount disclosed and authorized by you on a recurring basis upon enrolment. We reserve the right to verify your method of payment and may reject any order you place with us for any reason. If we reject your order, we will attempt to notify you by e-mail. Your credit card will normally not be charged, if we reject your order. It the event that your credit card is charged before we reject your order, we will process a refund.

Note regarding Debit Cards: If you provide a debit card for payment, you authorize us to debit the checking account associated with the card on a recurring basis for the amount agreed upon when you enrolled until you notify us that you want to cancel.

27. Order Limitations

The services provided through this Web site are for personal use only. Using any of the services or information provided from this Web site for commercial uses or resale is strictly prohibited. Services provided through this Web site are limited to residents in the United States.

28. Sales Tax

In certain jurisdictions sales tax at state and local rates may apply, in which case you will be charged applicable taxes.

29. Order Confirmation

As part of our order process, we will send you an electronic receipt to your e-mail account of record.

30. Return Policy

Unless otherwise indicated, all orders made through this Website are non-refundable.

31. Third Party Services

We may employ unaffiliated third parties to provide services or sell products on this Web site. For example, we may obtain your credit report from TransUnion or other credit reporting agencies. We are not responsible for examining or evaluating any third party products or services and we do not warrant their offerings.

32. Order Disputes

Questions regarding your orders or disputes regarding charges to your credit card should be directed to us by e-mail at Help@QLCredit.com or by writing to us at QuP LLC, Attn: Customer Service, 1042 Woodward Ave, Detroit, MI 48226.

33. Consumer Credit File Rights Under State and Federal Law:

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580