Individuals visiting the website and utilizing the services, either directly or indirectly (the “Services”), hereby agree to use these Services only for the purposes intended as permitted by: (a) the express terms set forth herein; and (b) all applicable laws and regulations. Additionally, individuals agree to the following:
In order to access our Services, you may be required to provide certain information about yourself (such as personal information, identification, contact details, social security number, etc.) as part of the registration process, or as part of your ability to use the Services. You agree that any information you provide will always be accurate, correct and up to date.
You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Services, including without limitation, your user name, login name and password. Accordingly, you are responsible for all activities that occur under your account login. You may not assign or otherwise transfer your account to any other person or entity.
The Company does not knowingly collect, either online or offline, personal information from persona under the age of thirteen. If you are under the age of 18, you may use the Website only with permission of a parent or guardian.
Accessing, or attempting to access, any of our Services by any means other than through the means we provide, is strictly prohibited. You specifically agree not to access, or attempt to access, any of our Services through any automated, unethical or unconventional means.
Engaging in any activity that disrupts or interferes with our Services, including the servers and/or networks to which our Services are located or connected, is strictly prohibited.
Attempting to copy, duplicate, reproduce, sell, trade, or resell our Services is strictly prohibited.
You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.
We do not assume any liability for any content input by you or any other third party users of our website and the Services.
You agree to pay all applicable fees and taxes for the Services. Unless otherwise noted, all currency references are in U.S. dollars. All fees and charges are payable in accordance with payment terms and are due immediately upon using the Services. If you purchase a monthly (or other periodic) membership, you agree and acknowledge that your subscription has an initial and recurring payment charge each month on the date of your subscription at the then-current subscription rate, and you accept responsibility for all recurring charges prior to cancellation.
Visiting the Website or making any contact to the Company or through the Website to third parties shall constitute electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Website, satisfy any legal requirement that such communications be in writing.
The Website may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of the Company and it is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The Company is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by the Company of the site or any association with its operators.
UNLESS OTHERWISE EXPRESSED, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
IT IS EXPRESSLY UNDERSTOOD THAT ANY CLAIM FOR DAMAGES, BY YOU AGIANST THE COMPANY, shall be limited to the amount you paid, if any, for use OF its SERVICES. THE COMPANY will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using its Services, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime. This release of liablity is to the fullest extent of the law, including the direct negligence of ATC or its employees or staff.
All content and materials available on this website, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of the Company and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by the Company.
This website is owned and operated by the Company from its offices located in Pearland, Texas. It can be accessed by most countries around the world. As each country has laws that may differ from those of Texas, by accessing our website, you agree that the statutes and laws of Texas, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site.
Furthermore, any action to enforce these Terms and Conditions shall be brought in the federal or state courts located in Texas. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681-1681y, imposes certain duties and obligation on all persons and entities that furnish information to consumer reporting agencies (CRAs). These duties and obligations can be found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs are recommended to become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov/learnmore.
Section 623 of the FCRA imposes the following duties and obligations, inter alia, upon furnishers:
Accuracy Guidelines – The FCRA requires furnishers to comply with the federal regulations as to the accuracy of information provided to CRAs.
General Prohibition on Reporting Inaccurate Information – The FCRA prohibits information furnisher from providing information to a CRA that it knows or have reasonable cause to believe is inaccurate. However, the furnisher is not bound by this general rule if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.
Duty to Correct and Update Information – If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is incomplete or inaccurate, the furnisher must provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information.
Duties After Notice of Dispute from Consumer – If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within a specified time period unless the dispute is frivolous or irrelevant or comes from a “credit repair organization.”
Duties After Notice of Dispute from Consumer Reporting Agency – If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must: (a) conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer; (b) report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis; (c) complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days, if the consumer later provides relevant additional information to the CRA); and (d) promptly modify or delete the information, or block its reporting.
Duty to Report Voluntary Closing of Credit Accounts – If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed.
Duty to Report Dates of Delinquencies – If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer’s file.
Duties of Financial Institutions When Reporting Negative Information – Financial institutions that furnish information to “nationwide” consumer reporting agencies, as defined in Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Duties When Furnishing Medical Information – A furnisher whose primary business is providing medical services, products, or devices (and such furnisher’s agents or assignees) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. This notice will enable CRAs comply with their duties under Section 604(g) when reporting medical information.
Duties When ID Theft Occurs – All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances.