Terms and Coinditions

Last updated: June 15, 2023

Welcome to the website of followpersonalfinance.com (“Website”). The Website is operated by Rex Direct Net, Inc. (“we” or “us”). By accessing, browsing or using this Website, through any direct or indirect means or by using the goods, facilities or services offered in, or through these Services through any communications including but not limited to telephone, mail, text, email or facsimile, you accept and agree to be bound by these terms and conditions of use (“Terms”). Use of Personal information collected and submitted in connection with this Service is also subject to our Privacy Policy.

THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION PROVISION, WAIVER OF JURY TRIAL AND CLASS ACTION. PLEASE REVIEW THESE PROVISIONS. If you do not agree with these terms, please do not use this website or services. By your use of this website and its services you acknowledge to have read and accepted all Terms in this Agreement.
Each time you access and/or use the Service (other than to simply read these Terms), you agree to be bound by and comply with the Terms then posted. Therefore, do not use the Service if you do not agree.

1. Use of Website & Services

The Website is intended for your personal, non-commercial use. You may not use the Website for any illegal or unauthorized purpose. You must not, in the use of the Website, violate any laws (including but not limited to copyright laws). This Service is intended for United States residents only. This Service provides informational content and allows individuals to request to be connected to a network partner for additional information through an enquiry. By submitting an enquiry on this Website you certify to us that: You are at least 18 years of age; that the information you have submitted to us on this site or otherwise, is accurate, and complete, and that you have not submitted or provided false information to us.

Some products and/or services offered may ask for consent for a soft pull credit inquiry. If that is the case, we will ask you for the following types of information: contact information (such as name, address, phone number, and email address) and the option to consent. By providing consent, you are providing "written instructions" to Us and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the products and/or services to you. You agree and hereby authorize Us, its agents and employees, to provide your personally identifiable information to third parties as provided in this Privacy Policy, as may be amended from time to time, You waive any and all claims against Us and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. A soft pull credit inquiry will not negatively impact your credit score and are only visible to you. Soft pull inquiries may be reflected on your credit report for up to two years.

2. Prohibited User Content

You represent and warrant that you will not submit the following user content:

  • User content that is false, inaccurate, or misleading;
  • User content that violates any local, state, federal, or international laws;
  • User content that infringes on the rights of others, including patents, copyrights, trademarks, trade secrets, publicity or privacy rights;
  • User content that is unlawful, obscene, derogatory, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by us in our sole discretion;
  • User content that impersonates another person or entity;
  • User content that contains viruses or other harmful computer code;
  • User content that victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age or disability;

Although we cannot monitor all user content, you understand that we shall have the right, but not the obligation, to monitor user content to determine compliance with these Terms. You are solely responsible for any user content you submit.

3. Intellectual Property

All content included on the Website, such as text, graphics, logos, images, and software, is the property of -us. or its content suppliers and protected by international copyright and trademark laws. The compilation of all content on the Website is the exclusive property of REX DIRECT NET, INC. and protected by international copyright and trademark laws.

4. Disclaimer of Warranties and Limitation of Liability

The Website is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website. To the full extent permissible by applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL OR EQUITABLE THEORY, WHETHER IN TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE, SHALL WE OR ANY OF OUR EMPLOYEES, DIRECTORS, OFFICERS, AGENTS, SHAREHOLDERS, SUBSIDIARIES, OR AFFILIATES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR ANY DIRECT OR INDIRECT LOST PROFITS OR LOST BUSINESS DAMAGES, OR INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY NATURE, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THE TERMS, EVEN IF AN AUTHORIZED REPRESENTATIVE OF REX DIRECT NOT, INC. HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.

5. Third Party Sites

The Service may contain or may interact with or otherwise be associated with third party platforms, services, plug-ins, applications, ads, tools and/or other content, and/or links to third-party websites or other services that are not owned, controlled or operated by us (collectively, “Third Party Services”). We are not responsible for the content of any Third Party Services. Your use of a Third Party Service linked from the Service is at your own risk and will be governed by such third party’s terms and policies.

Any interactions, correspondence, transactions, and other dealings that you have with any third parties found on or through the Service are solely between you and the third party. You hereby agree to indemnify us against all claims, injury and/or damages including, without limitation, attorneys’ fees, that arise out of your use of any Third Party Service.

6. Infringement Claims

We respect the intellectual property of others. We will promptly process and investigate notices of alleged copyright infringement by third parties and will take necessary action under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (“DMCA”), where appropriate, in accordance with our DMCA policy.

Pursuant to the DMCA, a notification of alleged copyright infringement by a third party should be sent to our designated agent. If you believe that your copyrighted work has been infringed under U.S. copyright law and is accessible on the Service, please notify us by contacting our designated agent. Even if you believe that the alleged infringing work was not posted by a third party, please send all notifications of alleged copyright infringement to our designated agent listed below.

To be effective under the DMCA, a notice of alleged copyright infringement by third parties must be a written communication to our designated agent that includes the following:

a) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

b) Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;

c) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;

d) Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number and, if available, an e-mail address at which the complaining party may be contacted;

e) A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and

f) A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

7. Release

YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE REX DIRECT NET, INC AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS WEBSITE.

8. Indemnification

You agree to indemnify and hold us, our subsidiaries, affiliates, agents, shareholders, officers contractors, vendors, employees, and service providers harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of this Service, the violation of by you, or the infringement by you, or other user of this Service using your computer, of any intellectual property or other right of any person or entity. We and our Service providers assume no responsibility whatsoever for such content or actions. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

9. ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

We each agree that any and all disputes or claims that have arisen or may arise between you and us relating in any way to or arising out of this or previous versions of the Terms, your use of or access to our Services, or any product/service sold, offered, or purchased through our Services shall be resolved exclusively through final and binding arbitration, rather than in court, except that if your claims are under $1000.00 you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this “Agreement to Arbitrate”).

Procedures
Arbitration is more informal than a lawsuit in court. There is no judge or jury in arbitration, and court review of an arbitration award is limited. An arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. An arbitrator should apply the terms of this Agreement as a court would. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable. The arbitration will be conducted by JAMS under its rules and procedures pertaining to Consumer-Related Disputes, as modified by this Agreement to Arbitrate. The arbitration shall be held in a mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator’s discretion to require an in-person hearing if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise. The arbitrator will decide the substance of all claims in accordance with the laws of the State of New Jersey, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator’s award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Costs
Payment of all filing, administration and arbitrator fees will be governed by JAMS rules, unless otherwise stated in this Agreement to Arbitrate. You may obtain these costs through JAMS website.

Prohibition of Class and Representative Actions and Non-Individualized Relief
YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND US AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OUR OTHER USERS.

Severability
With the exception of “Prohibition of Class and Representative Actions and Non-Individualized Relief”, if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in this Agreement is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and its Legal Disputes Section will continue to apply and that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in the County of Camden, state of New Jersey.

Changes to the Agreement to Arbitrate
Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any change to this Agreement to Arbitrate (other than a change to any notice address or site link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by this arbitration provision that have arisen or may arise between you and us. We will notify you of changes to this Agreement to Arbitrate by posting the amended terms on our Services at least 3 days before the effective date of the changes and/or by email.

THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN US WILL BE RESOLVED BY BINDING ARBITRATION. YOU 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.

10. Privacy

You acknowledge that any information that you provide through the Service will be provided and used in accordance with our Privacy Policy, the terms of which are incorporated herein and made a part of this Agreement.

11. Electronic Communication

When you visit this Website and use our Services or communicate with us electronically, you:

  1. Consent to receive communications from us electronically.
  2. Agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

12. Changes to Terms

We reserve the right to make revisions to this Agreement and the posted Privacy Policy at any time. Any changes made will be effective from the date of such posting without further notice to you. Therefore, the Privacy Policy and Terms of Use posted at the time you visit this Website and/or submit an enquiry for Services will govern our relationship for that site visit and enquiry connection request.

13. Contact Information

If you have any questions about these Terms, please contact us.