Welcome to https://cdmionline.com. The https://cdmionline.com website (the “Site”) is comprised of various web pages operated by Credit & Debt Management Institute (“CDMI”). https://cdmionline.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of https://cdmionline.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.
What do we do?
https://cdmionline.com is registered 501(c)(3) non-profit organization that educates communities and organizations about financial awareness. We sell credit and financial restoration services.
Visiting https://cdmionline.com or sending emails to CDMI constitutes 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 Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that CDMI is not responsible for third party access to your account that results from theft or misappropriation of your account. CDMI and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children Under Thirteen
CDMI does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use https://cdmionline.com only with permission of a parent or guardian.
Customers can request purchase refunds within 30 days of purchase. All returns require a Return Authorization (RA) code prior to shipping back to the service center. Please contact us at firstname.lastname@example.org with any questions.
Links to Third Party Sites/Third Party Services
https://cdmionline.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of CDMI and CDMI 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. CDMI is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by CDMI of the site or any association with its operators.
Certain services made available via https://cdmionline.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the https://cdmionline.com domain, you hereby acknowledge and consent that CDMI may share such information and data with any third party with whom CDMI has a contractual relationship to provide the requested product, service or functionality on behalf of https://cdmionline.com users and customers.
No Unlawful or Prohibited Use/Intellectual Property
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of CDMI or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. CDMI content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of CDMI and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of CDMI or our licensors except as expressly authorized by these Terms.
Use of Communication Services
The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.
By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.
CDMI has no obligation to monitor the Communication Services. However, CDMI reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. CDMI reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
CDMI reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in CDMI’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. CDMI does not control or endorse the content, messages or information found in any Communication Service and, therefore, CDMI specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized CDMI spokespersons, and their views do not necessarily reflect those of CDMI.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.
Materials Provided to https://cdmionline.com or Posted on Any CDMI Web Page
CDMI does not claim ownership of the materials you provide to https://cdmionline.com (including feedback and suggestions) or post, upload, input or submit to any CDMI Site or our associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting CDMI, our affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. CDMI is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in CDMI’s sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.