Act Now Debtor Education

Get your: Bankruptcy Certificates (Pre-Petition and Post-Petition Certificates)
Terms and Conditions

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE www.AcademyofFinancial Literacy.com, WEBSITE OR RELATED SERVICES. This Terms of Use Agreement (this "Agreement"), which is a legal agreement between you ("you") Academy of Financial Literacy, Inc, d/b/a Getbankruptcycertificate.com or Debtorscertificate.com/net, shall govern your use of and access to the Website located at www.academyoffinancialliteracy.com (the "Website") and all services provided by Academy of Financial Literacy, Inc. as described therein (the "Services"). Please read this Agreement carefully. If you do not understand this Agreement, please do not use the Website or any of the Services. If you do not understand any part of this Agreement, please contact us. Do not use the Website or any of the Services until your questions and concerns have been answered, and you agree to abide by the terms and conditions of this Agreement. Even if you fail to accept this Agreement as described above, by accessing the Website and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to these terms and conditions or anything contained in this Agreement, do not access or otherwise use the Website.

CHANGES TO SERVICES, AGREEMENT AND/OR WEBSITE

The most current version of these Terms of Use can be viewed at this page at any time. Academy of Financial Literacy, Inc and its dbas, may amend any part of this Agreement at any time, and the amended terms will be effective upon posting at the Website. In addition, Academy of Financial Literacy, Inc. and its d/b/as, may, without prior notice, add, delete or modify some or all of the Services and/or content available on the Website at any time in its sole discretion. Further, Academy of Financial Literacy, Inc and its dbas may discontinue disseminating any portion of information or category of information, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics. IF ANY OF THESE RULES OR ANY FUTURE CHANGES ARE UNACCEPTABLE TO YOU, YOU SHOULD IMMEDIATELY DISCONTINUE USE OF THE SERVICES AND WEBSITE. YOUR CONTINUED USE OF THE SERVICES OR WEBSITE NOW, OR FOLLOWING THE POSTING OF NOTICE OF ANY CHANGES IN THIS AGREEMENT, WILL INDICATE ACCEPTANCE BY YOU OF SUCH RULES, CHANGES AND/OR MODIFICATIONS. You should review this Agreement periodically to ensure you become aware of changes which are made to this Agreement from time to time.

SERVICES AND PARTIES

The Services are described within various pages of the Website, including, without limitation, the "Products and Services" page. You should review these pages to gain a better understanding of the Services and the goals behind the Website. At a general level, Academy of Financial Literacy, Inc and its dbas collects information submitted by you at the Website (a "Submission"), which information is used to populate a back-end database. This information is then used to offer Credit Counseling and Debtor Education and to provide other services in connection with the bankruptcy process. The specific services to be provided to you will be dictated by your selections at the Website and your payment of the fees associated with such selections. Academy of Financial Literacy, Inc also offers various services to bankruptcy attorneys. Attorneys can, subject to all terms and conditions set forth herein, purchase certain products and services at the Website related to the bankruptcy process.

Credit Counseling Briefings. Academy of Financial Literacy, Inc is the approved Agency offering the Credit Counseling, for the purposes of (a) outlining opportunities for available credit counseling to you, (b) helping you to perform an initial budget analysis, and (c) providing a certificate to you which is in proper form for submission with a bankruptcy court showing that that you have been "briefed" by such credit counseling agency. Academy of Financial Literacy, Inc, may, to the extent necessary, contact you via telephone or e-mail to assess your situation and/or ask further questions of you.

Debtor Education Course. Academy of Financial Literacy, Inc and its dbas the approved provider offering the Debtor Education Course. Approval does not endorse or assure the quality of a Provider's services. It is the intention of Academy of Financial Literacy, Inc and its dbas that satisfactory completion of the Course by you in a timely fashion will satisfy the debtor education requirement to exit bankruptcy proceedings under applicable law, but neither Academy of Financial Literacy, Inc and its dbas shall be liable to you in any way if you are unable to exit bankruptcy proceedings on account of the Course or otherwise. Upon completion of the Course, you, the consumer, agree that you have completed the Course and that no other person completed the Course on your behalf. Attorneys and law firms agree that the Course shall completed only by their clients and not by the attorney, law firm, or the employees or independent contractors of the foregoing.

OTHER AGREEMENTS

Academy of Financial Literacy, Inc and its dbas is not a law firm, and does not provide legal advice of any sort. If you are an attorney, you are solely responsible for providing legal advice to your clients regarding bankruptcy and related matters. If you are not an attorney, you should rely on the advice of legal counsel in making any final decisions regarding bankruptcy and navigating your way through the bankruptcy process. The tools offered at the Website, while intended to facilitate the bankruptcy process, do not constitute legal advice and should not, under any circumstance, be relied upon as legal advice. Products and/or services purchased by an attorney on behalf of a client are non-transferable, meaning that all such products and services must be used solely by the client for which such products and services were purchased (as reflected in the records of Academy of Financial Literacy, Inc.

FEES

Fees charged for the various products and/or services offered at the Website are set forth in the Disclosure Statement on the registration page of the Website. In consideration for providing the Services, you agree to pay all such fees which are due and owing on account of the selections you have made at the Website (the "Fee"). Even if you have already paid the Fee associated with an initial Submission, you acknowledge that in the event you make an additional Submission to Academy of Financial Literacy, Inc and its dbas in the future, you will be charged an additional fee equal to the fee set forth on the Website at the time of making such additional Submission. Fees payable in connection with a Submission are (i) payable to Academy of Financial Literacy, Inc (ii) to the extent the applicable Submission has not yet been made, refundable so long as you request a refund following the procedures as outlined in the disclosures located on the Website.

CERTAIN RESTRICTIONS ON ATTORNEYS

If you are an attorney, you agree to use the Services for no other purpose than assisting a client with a bankruptcy filing. To the extent an attorney is provided with any data or other personal information in connection with the Services, such attorney agrees to use such information solely for its intended purpose (and not for re-sale, marketing purposes or any other prohibited purpose). To the extent an attorney obtains a "consumer report" (as defined within the Fair Credit Reporting Act), the attorney shall comply with all applicable laws in respect of such report. Without limiting the generality of the foregoing, each attorney agrees that he/she will comply with (i) all applicable provisions of the California Credit Reporting Agencies Act and any related regulations, and (ii) all Vermont statutes regarding fair credit reporting. All personally identifiable information obtained by an attorney through the Services shall be kept strictly confidential by such attorney.

PASSWORDS

Certain parts of the Website require a login and password to enter. You agree that you are responsible for all acts or omissions that occur on your account while your password is being used. Academy of Financial Literacy, Inc and its dbas reserves the right to access and disclose any information, including, without limitation, user names of accounts and other information, to comply with applicable laws and lawful government requests.

COPYRIGHT AND TRADEMARK NOTICES

All contents of the Website are: Copyright 2015 Academy of Financial Literacy, Inc and its dbas its suppliers, licensors or participating Agencies (as applicable). All rights reserved.. Other product and company names and logos mentioned herein or mentioned or displayed within the Website, including the names of participating Agencies and/or licensors, may be the trademarks or service marks of their respective owners. To this end, you may not, without the prior, written consent of Academy of Financial Literacy, Inc and its dbas or the applicable copyright holder, modify, publish, transmit, participate in the transfer or sale of, reproduce, create new works from, distribute, perform, display, or in any way exploit, any of the content posted at the Website or otherwise owned by Academy of Financial Literacy, Inc and its dbas. This Agreement shall not be deemed to transfer from Academy of Financial Literacy, Inc and its dbas or any licensor to you (i) any of Academy of Financial Literacy, Inc or such licensor's intellectual property (including, without limitation, patents, trademarks, service marks, trade names, copyrights and licenses), technology, software programs or any related assets owned by Academy of Financial Literacy, Inc or a licensor, (ii) any rights in or to the Course, or (iii) any rights to use or license any of the foregoing except as explicitly set forth in this Agreement.

DISCLAIMERS AND LIMITATIONS

Nothing in this waiver shall apply to 11 U.S. Code 111G2

Academy of Financial Literacy, Inc and its dbas intends that the information contained in the Website be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein or on the Website may be made by Academy of Financial Literacy, Inc and its dbas at any time. THE Website AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE Website AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED WITHIN THE Website, INCLUDING WITHOUT LIMITATION (I) THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT, AND (II) AS TO THE RESULTS THAT MAY BE OBTAINED BY USE OF THE Website OR ANY OF ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS SERVICES OR PRODUCTS PURCHASED THROUGH THE Website. IN ADDITION, ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS MAKES NO WARRANTIES REGARDING (I) ANY AGENCY OR ANY SERVICES PROVIDED BY ANY AGENCY, OR (II) ANY OTHER ASPECT OF ANY BANKRPUTCY PROCEEDINGS IN WHICH YOU ARE INVOLVED. USE OF THE Website AND/OR ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS SERVICES IS AT YOUR OWN RISK. Academy of Financial Literacy Inc and its dbas AND/OR ITS LICENSORS AND/OR ITS SUPPLIERS OR PARTICIPATING AGENCIES ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE Website AND/OR ACADEMY OF FINANCIAL LITERACY, INC, AND ITS DBAS SERVICES OR WITH THE DELAY OR INABILITY TO USE THE Website, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE Website, OR OTHERWISE ARISING OUT OF THE USE OF THE Website, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Academy of Financial Literacy Inc and its dbas , ITS LICENSORS AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. In all events, the aggregate liability of Academy of Financial Literacy Inc and its dbas AND ANY LICENSOR for any reason and upon any cause of action, whether in contract, tort or otherwise, shall not exceed the amount of fees paid by YOU TO Academy of Financial Literacy Inc and its dbas , AN AGENCY OR THIRD PARTY SUPPLIER VIA THE Website. FURTHER, ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS DOES NOT ENDORSE AND MAKES NO WARRANTY REGARDING THE ACCURACY OR RELIABILITY OF ANY OPINION, INFORMATION, ADVICE OR STATEMENT ON THE Website. UNDER NO CIRCUMSTANCES WILL ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE CONTENT ON THE Website OR ANY SERVICES OFFERED VIA THE Website. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITES.

UNAVAILABILITY OF SERVICE OR WEBSITE

You are responsible, at your sole cost and expense, for providing all equipment necessary to access the Internet, the Website and/or the Services. While it is Academy of Financial Literacy, Inc and its dbas objective to make the Website accessible 24 hours per day, 7 days per week, the Website may be unavailable from time to time for any reason including, without limitation, routine maintenance. You understand and acknowledge that due to circumstances both within and outside of the control of Academy of Financial Literacy, Inc and its dbas, access to the Website and/or Services may be interrupted, suspended or terminated from time to time. YOU AGREE THAT ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM ANY SUCH INTERRUPTION, SUSPENSION OR TERMINATION OF THE Website AND/OR SERVICE AND THAT YOU SHALL PUT IN PLACE CONTINGENCY PLANS TO ACCOUNT FOR SUCH PERIODIC INTERRUPTIONS OR SUSPENSIONS OF THE Website AND/OR SERVICE.

INDEMNITY

As a condition of use of the Website and/or the Services, you agree to indemnify Academy of Financial Literacy Inc and its dbas and its officers, directors, employees, affiliates, suppliers, licensors, vendors, partners and participating Agencies from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Website or any of the Services, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

LINKS TO THIRD PARTIES

The Website may contain links to Websites maintained by third parties. Such links are provided for your convenience and reference only. Academy of Financial Literacy, Inc and its dbas does not operate or control in any respect any information, software, products or services available on such Websites. Academy of Financial Literacy Inc and its dbas inclusion of a link to a Website does not imply any endorsement of those services or the Website, its contents or its sponsoring organization.

ERRORS AND DELAYS

Academy of Financial Literacy, Inc and its dbas is not responsible for any errors or delays in responding to a Submission or otherwise processing information submitted by you at the Website, including, without limitation, those caused by (i) an incorrect e-mail address or telephone number provided by you, (ii) the failure of an Agency to timely respond to a Submission made available to an Agency, or (iii) technical problems.

DISPUTE RESOLUTION

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND ACADEMY OF FINANCIAL LITERACY, INC AND ITS DBAS WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, but the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable and are subject to very limited review by a court. By using the Services or accessing the Website, you consent to these restrictions.

MISCELLANEOUS

This Agreement, including the Privacy Policy and Disclosures, constitutes the entire agreement between you and Academy of Financial Literacy Inc and its dbas with respect to the Website and information, software, products and services associated with it. Academy of Financial Literacy Inc and its dbas and you are intended to be independent contractors, and nothing in this Agreement shall be deemed to establish any relationship of partnership, joint venture, employment, franchise or agency between Academy of Financial Literacy Inc and its dbas and you. the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.

These Terms and Conditions apply to all users of the Websites, including users who are also contributors of picture/image content, information, and other materials or services on the Websites. The Website includes all aspects of Academy of Financial Literacy Inc and its dbas including but not limited to all products, software and services offered via the Websites.

(a) The Websites offers multiple products and services, and allows you to, among other things, upload and submit content.

(b) The Website may contain links to third party websites that are not owned or controlled by Academy of Financial Literacy Inc and its dbas has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites. In addition, Academy of Financial Literacy Inc and its dbas will not and cannot censor or edit the content of any third-party site. By using the Website, you expressly relieve Academy of Financial Literacy Inc and its dbas from any and all liability arising from your use of any third-party website. Accordingly, Academy of Financial Literacy Inc and its dbas encourages you to be aware when you leave the Website and to read the terms and conditions and privacy policy of each other website that you visit. Academy of Financial Literacy Inc and its dbas or its users may post links to other sites (including through advertisements). In addition, other sites may make mention of Academy of Financial Literacy Inc and its dbas Those sites are operated by other individuals or companies, and Academy of Financial Literacy Inc and its dbas is not responsible for the content, goods or services offered on such sites. The Services may contain, and other users or third parties may provide, advertisements for or links to other World Wide Websites or resources. These sites and resources are not controlled by Academy of Financial Literacy Inc and its dbas and the mere existence of the link on the Website does not imply an endorsement or sponsorship by Academy of Financial Literacy Inc and its dbas . External websites and resources are not subject to these Terms and Conditions or the Academy of Financial Literacy Inc and its dbas Privacy Policy, and may be subject to other terms and conditions or policies posted therein. Because Academy of Financial Literacy Inc and its dbas has no control over such sites and resources, you acknowledge and agree that Academy of Financial Literacy Inc and its dbas is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Academy of Financial Literacy Inc and its dbas shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any goods or services available on or through any external site or resource. Your use of external sites or resources is at your own risk.

(c) Cookies and Web Beacons. Academy of Financial Literacy Inc and its dbas and its affiliates and third party advertising partners may utilize cookies that are installed on your browser when visiting the Website and/or third-party web beacons to analyze your use and activities while visiting the Website. Academy of Financial Literacy Inc and its dbas may also use anonymous information about your visits to this and other websites in order to improve its products and services and to provide advertisements about goods and services of interest to you.

Materials Provided To Academy of Financial Literacy Inc and its dbas or Posted At the Website.

Academy of Financial Literacy Inc and its dbas does not claim ownership of the materials you provide to Academy of Financial Literacy Inc and its dbas (including feedback and suggestions) or post, upload, input or submit to the Website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Academy of Financial Literacy Inc and its dbas permission to use your Submission in connection with the operation of their 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. Academy of Financial Literacy Inc and its dbas is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Academy of Financial Literacy Inc and its dbas 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.

Contact Information
Academy of Financial Literacy, Inc
2105 E. Oakland St. Chandler, AZ 85225
Email: info@academyoffinancialliteracy.com
877-833-2867



We do not pay or receive fee or other consideration for the referral of debtor students to or by the provider.
We do not pay or receive fee or other consideration for the referral of debtor students to or by the provider.

Home | Program Benefits | About the Program | About Us
Terms and Conditions | FAQs | Privacy Policy



Credit Card Processing



Arizona Web Site Design