Terms and Conditions

GetDebit.com (“us” or “we”) makes information, products, and services available on www.GetDebit.com (the “Web Site”), subject to the following terms and conditions of use (the “Terms of Use”). These Terms of Use also apply to any updates, enhancements, new features, Web Site forums, widgets, and new web properties. By using the Web Site, you represent to GetDebit.com that you have read, understood, and agreed to all terms, conditions, and notices contained or referenced in these Terms of Use. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THE WEB SITE.

Permission to Use the Web Site

You have our permission to use the Web Site, but only if you are over 13 years old and you follow all the rules and restrictions set forth in these Terms of Use.
To ensure that GetDebit.com provides a high-quality experience for you and other users of the Web Site, you acknowledge and agree that GetDebit.com or its representatives may investigate complaints, allegations of abuse, infringement of third-party rights, or other unauthorized uses of the Web Site. GetDebit.com is not required to disclose such an investigation unless required to do so by law. GetDebit.com will cooperate fully with any law enforcement agencies in their investigation of the violation of any applicable laws. If you violate any provision of this section of the Terms of Use, GetDebit.com may terminate your access to the Web Site, including without limitation, terminating your account, without notice. You agree to indemnify GetDebit.com and any third parties Provider(s) for any claims against GetDebit.com or any third parties arising from your violation of these Terms of Use.

Limited License

Except as may be otherwise indicated on the Web Site, GetDebit.com hereby grants you a fully revocable, non-exclusive license to view and print documents or information on the Web Site, subject to the following terms and conditions:

  1. The document or information may be used solely for informational, personal, and non-commercial purposes.
  2. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or re-sell information, software, products, or services that you obtain from the Web Site, except with GetDebit.com’s express written permission.
  3. You may not use the Web Site to sell a product or service or to increase traffic to a web site for commercial reasons, except with GetDebit.com’s express written permission.
  4. You may not take elements of the Web Site and reformat or display them (including framing them), or mirror them on a web site, except with GetDebit.com’s express written permission.
  5. All copyright or other proprietary notices that appear on the web page(s) from which you take the document or information, including from these Terms of Use, must appear on any copy of the document or portion that you make or distribute.
  6. GetDebit.com reserves the right to revoke this license at any time. You agree that you and any person to whom you distribute the document or information will immediately discontinue any use of the document or information upon notice of revocation.

Intellectual Property Ownership

The Web Site and all materials, information, products, and services included in or available through the Web Site, including the images, text, databases, software, code, sound, photos, custom graphics, button icons, the collection, compilation, assembly, and the overall look and distinctiveness of the Web Site (all of which constitutes the “Web Site Content”) constitute trade dress and the property of GetDebit.com. The trade dress of GetDebit.com is protected by law and may not be copied or imitated in whole or in part. Logos, graphics, sounds, and images from the Web Site may NOT be copied or retransmitted unless expressly permitted by GetDebit.com. The GetDebit.com logo, GetDebit.com, and other GetDebit.com products and services referenced in the Web Site are the common law trademarks of GetDebit. The absence on the Web Site of a GetDebit.com product or service name, slogan, or logo does not constitute a waiver of GetDebit.com’s trademark or other intellectual property rights relating to such name or logo. All other product names, company names, marks, logos, and symbols appearing on the Web Site may be the trademarks and the property of their respective owners.

User Content

You are solely responsible for any User Content you post to the Web Site, its accuracy, and the consequences of posting or publishing it. By “User Content”, we mean any information (including reviews, comments or recommendations), data, text, software, music, sound, photos, graphics, videos, messages, tags, interactive features, or any other materials you submit or post to the Web Site. When we say “post”, we include posting, uploading, sharing, submitting or otherwise providing User Content in any manner in connection with the Web Site.

Restrictions on User Content and Your Conduct

You may not:

  1. use the Web Site for any illegal purpose;
  2. submit User Content that you don’t have the right to submit, unless you have the owner’s permission; this includes material covered by someone else’s copyright, patent, trade secret, privacy, publicity, or any other proprietary right;
  3. forge headers or manipulate other identifiers in order to disguise the origin of any User Content you submit;
  4. submit any User Content that contains lies, falsehoods or misrepresentations that could damage us or anyone else;
  5. submit User Content that is illegal, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate;
  6. transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;
  7. impersonate anyone else or lie about your affiliation with another person or entity;
  8. use meta tags or any other “hidden text” utilizing any of our or our suppliers’ product names or trademarks;
  9. upload, launch, post, email or transmit any material (including any bot, worm, scripting exploit or computer virus) that is likely to harm or corrupt the Web Site, or harm or corrupt our or anyone else’s computer systems, or data;
  10. use the Web Site to harm minors in any way, including posting User Content that violates child pornography laws, child sexual exploitation laws, or any other laws protecting children;
  11. collect or gather other people’s personal information (including account information) from the Web Site;
  12. submit User Content which disparages us or our partners, Providers, vendor or affiliates; or
  13. solicit, for commercial purposes, any users of the Web Site.

We have the sole right, but not necessarily the obligation, to delete at any time any User Content that violates these rules or that we believe to be inappropriate for any reason or to deactivate your account with GetDebit.com.

Intellectual Property Rights in User Content

By posting your User Content, you thereby grant us a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, fully-paid, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Web Site and our business, in any media formats or in tangible form and through any media channels now known or hereinafter developed. You also grant each user of the Web Site a perpetual, irrevocable, worldwide, non-exclusive royalty-free, fully-paid, sublicenseable and transferable license to access your User Content through the Web Site, and to use, reproduce, distribute, prepare derivative works of, display and perform your User Content as permitted through the functionality of the Web Site and under these Terms of Use.

Privacy Policy

Your privacy is important to us. You can learn more about the information collected about you in our Privacy Policy, which is incorporated fully into these Terms of Use.
We may retain information that you provide, and we obtain, during your use of our Web Site. We may, from time to time, use this information to match you with offers for products and services made available through various Providers. We will make these offers available to you at your convenience and there will be no obligation to accept any offer.

This site uses ClickTale web analytics service. ClickTale may record mouse clicks, mouse movements, scrolling activity as well as any text you type in this website. ClickTale does not collect personally identifiable information that you do not voluntarily enter in this website. ClickTale does not track your browsing habits across web sites which do not use ClickTale services. For more information see Privacy Policy for Information Collected by the ClickTale Web Analytics Service. We are using the information collected by ClickTale service to [explain your use of the data]You can choose to disable the Service at http://www.clicktale.net/disable.html.

Products and Service Providers

GetDebit.com provides you with access to third-party providers (“Provider”) solely for your convenience. Some of these Provider sites may be co-branded (i.e., bear the name and/or logo of both the Provider and GetDebit.com). The provision of access to a Provider does not signify an endorsement by GetDebit.com of the Provider’s web site or the services offered by that Provider. GetDebit.com has no control over, does not review, and cannot be responsible for Provider web sites or the content on those sites. Your use of a Provider web site, or services will be subject to the Provider’s terms of use and Provider’s privacy policy. If you decide to use the services of a Provider, or if you decide to purchase a product from a Provider, any transaction between you and that Provider (including any agreement governing such a transaction) will be strictly between you and the Provider. GetDebit.com has no control over the Provider’s obligations to you, and makes no representations or warranties with respect to the Provider’s performance. It is your responsibility to take precautions to ensure that Provider web sites are free of viruses or other items of a destructive nature.
YOU AGREE THAT GETDEBIT.COM WILL NOT BE RESPONSIBLE OR LIABLE FOR LOSS OR DAMAGE YOU MAY INCUR AS THE RESULT OF A TRANSACTION YOU ENTER INTO WITH A PROVIDER, ANY INFORMATION YOU PROVIDE TO A PROVIDER, A PROVIDER’S COMPLAINCE WITH LAW, OR A PROVIDER’S MISUSE OF YOUR INFORMATION.

Our Rights to Communicate and Use Information

WHEN YOU (I) APPLY FOR A PRODUCT OR SERVICE THROUGH THE WEB SITE, YOU WILL BE ASKED TO PROVIDE YOUR TELEPHONE NUMBER AND ARE ESTABLISHING A BUSINESS RELATIONSHIP WITH GETDEBIT.COM OR (II) SUBMIT A REQUEST OR APPLICATION FOR A PRODUCT OR SERVICE THAT IS MADE AVAILABLE THROUGH THE WEB SITE BY A PROVIDER, GETDEBIT.COM MAY SHARE YOUR INFORMATION WITH PROVIDER(S) AS PERMITTED BY LAW AND DESCRIBED IN GETDEBIT.COM’S PRIVACY POLICY. THIS INFORMATION MAY BE USED BY GETDEBIT.COM, OR PROVIDED BY GETDEBIT.COM TO THIRD PARTIES WHO MAY CONTACT YOU, WITH RESPECT TO (A) YOUR APPLICATION OR REQUEST, (B) THE STATUS OF YOUR APPLICATION, (C) ALTERNATIVES AVAILABLE TO YOU IN THE EVENT YOUR APPLICATION IS REJECTED, (D) OTHER PRODUCTS OR SERVICES OFFERED BY OR THROUGH GETDEBIT.COM AND ITS PROVIDERS OR (E) AS RELEVANT AND AS PERMITTED BY LAW, OBTAINING CONSUMER REPORT AND PUBLIC RECORDS INFORMATION TO VERIFY YOUR IDENTITY AND PROCESS YOUR REQUEST OR APPLICATION.

Disclaimer of Warranties

THE WEB SITE AND THE WEB SITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” GETDEBIT.COM DISCLAIMS ALL EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES, AND CONDITIONS, INCLUDING IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. NEITHER GETDEBIT.COM NOR ITS LICENSORS MAKE ANY REPRESENTATIONS, WARRANTIES, OR GUARANTIES AS TO THE QUALITY, RELIABILITY, SUITABILITY, TRUTH, ACCURACY, OR COMPLETENESS OF THE WEB SITE CONTENT. GETDEBIT.COM DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THE WEB SITE ITSELF OR ANY PRODUCT OR SERVICE OFFERED THROUGH THE WEB SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR FROM ANY PARTICULAR LOCATION OR THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED. THE WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. YOUR USE OF THE WEB SITE IS SOLELY AT YOUR RISK.
ALTHOUGH GETDEBIT.COM STRIVES TO PROVIDE INFORMATION THAT CONSUMERS MAY FIND HELPFUL, THIS INFORMATION SHOULD NOT BE CONSIDERED CREDIT OR LEGAL ADVICE. YOU SHOULD NOT USE THE GENERAL INFORMATION PROVIDED ON THE WEB SITE AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT PROFESSIONAL.
Some states or other jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. You also may have other rights, which may vary from state to state and jurisdiction to jurisdiction.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT GETDEBIT.COM WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, INABILITY TO USE, OR RELIANCE ON THE WEB SITE OR ANY PRODUCTS OR SERVICES OBTAINED THROUGH THE WEB SITE. NOTWITHSTANDING ANY OTHER PROVISION OF THESE TERMS OF USE, GETDEBIT.COM’S ENTIRE LIABILITY TO YOU SHALL NOT EXCEED $1,000. FOR THOSE JURISDICTIONS THAT EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS, THIS LIMITATION SHALL BE CONSTRUED TO PERMIT THE MAXIMUM EXCLUSION OR LIMITATION PERMITTED BY APPLICABLE LAW.

Scope

These Terms of Use apply to the Web Site, and are in addition to the specific terms and conditions associated with the products and services on the Web Site. If these Terms of Use are not consistent with the specific terms that apply to the information, products, or services offered on the Web Site, then the specific terms that apply to that information, those products, or those services will apply.

Reservation of Rights

Any rights not expressly granted in these Terms of Use are reserved by GetDebit.com, and GetDebit.com reserves the right to seek all remedies available by law and in equity for any violation of these Terms of Use.

Governing Law and Jurisdiction

You agree that all matters relating to your access to, or use of, the Web Site, and all matters relating to these Terms of Use (collectively, “Claims”), will be governed by the laws of the State of Connecticut, which will apply in all respects, including statutes of limitation. No choice of law rules of any jurisdiction will apply to nullify this choice of Connecticut law. All Claims, disputes, or controversies between you and GetDebit.com will be submitted to and determined exclusively by a court of competent subject matter jurisdiction in the County of Fairfield Connecticut, and you agree and submit to the exclusive personal jurisdiction and venue of those courts with respect to such matters. You agree that, regardless of any statute or law to the contrary, any Claims must be filed within one year after the Claims or cause of action arose or they will be forever barred.

Arbitration

All Claims will be settled by binding arbitration in accordance with the Comprehensive Arbitration Rules and Procedures of JAMS (see http://www.jamsadr.com/rules/comprehensive.asp). The arbitrator shall have authority to award both legal and equitable relief (including interim injunctive and other appropriate equitable relief by an arbitrator administratively appointed for that purpose) consistent with these Terms of Use and to award costs and legal fees to the prevailing party. The place of the arbitration will be in Fairfield County, Connecticut. You agree that, regardless of any statute or law to the contrary, any Claims must be filed within one year after the Claims or cause of action arose or they will be forever barred.

Changes to Terms of Use

GetDebit.com reserves the right to update or revise any part of these Terms of Use and the information, products, services, prices, and programs offered or mentioned on the Web Site at any time, without notice. Any changes will be effective immediately upon the posting of the updated Terms of Use on the Web Site. GetDebit.com’s failure to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of that right or provision. The section titles in these Terms of Use are for convenience only and have no legal or contractual effect.