Terms of Use

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Approval Guard Service

• CREDIT REPORT – Subscribers will receive one single source credit bureau report sent by secure email or U.S. Postal service each 90 days.  A total of 4 reports will be provided in one subscription year.  The source credit bureau will rotate each time in order to provide the subscriber with a full evaluation of their credit.   Reports will NOT have social security numbers or account numbers on them which is an additional security safety feature.
• QUALIFIED PERSONALIZED COACHING - A permanently assigned Certified Mortgage Professional will provide a phone consultation review of your credit FICO, accounts and overall credit status each time a credit report is issued. 
• PERPETUAL PRE-QUALIFICATION™ - Subscribers of Approval Guard will typically be in a constant state of readiness to qualify for the best loans at the lowest interest rates for autos, credit cards, home loans and more. 
• ACTION -  Subscribers will receive recommended actions from their coach that may  help improve or address issues associated with their credit. 
• RESOURCES -  Subscribers may receive articles, information, forms, letters and other resources that may be needed to formally addressing credit issues or learn about their credit.
• NEWS AND ALERTS - Other notices and information may be sent either by email or U.S. Postal service that are deemed valuable to the subscriber as related to their credit profile.
• NOT A MONITORING SERVICE -  Approval Guard is NOT a credit monitoring service.  Users will NOT be notified of suspicious credit activity as it happens. However, during the normal course of reviewing your credit through the Approval Guard Program you may be able to identify and address issues of concern as they may arise.
• RESULTS -   Subscribers should see improved results through the process of utilizing this program.   However, Approval Guard cannot guarantee that a subscriber will be able to improve their credit  by using this service.  Each circumstance will be different.  Most users will see a marked improvement as they work with their coach and perform the functions needed to refine their credit to the best it can be.
• CREDIT BUREAU “OPT OUT” – Subscribers will automatically be entered into the major credit bureau OPT OUT service. This service will inform the credit reporting companies that you do NOT want your personal information sold to other companies for sales purposes.
• SUBSCRIPTION FEE – The current subscription fee can be found in the “order now” section.  This subscription cost is subject to change without notice.
• SPECIAL OFFERS – Special offers of any type are non-retroactive to existing Approval Guard Subscribers.
• FREE TRIAL OFFER NO OBLIGATION – When available, the free trial offer does NOT require a credit card or any obligation by potential subscribers.  The subscriber agrees to speak with a Qualified Personal Coach who will talk to them in detail about the service and what they know about their credit.  If the potential subscriber agrees to proceed with subscription then the Coach will complete their subscription and volunteer to become their personal coach for the service.

Changes & Cancellation  

• CHANGES – Subscribers who are not satisfied with their Certified Professional Mortgage Coach may request a “transfer” by contacting the Approval Guard Service Desk at service@approvalguard.com
• CANCELLATION – Subscribers may cancel the Approval Guard Service at any time by request in writing at service@approvalguard.com.   Subscribers will receive a pro-rated refund to their original credit card used at purchase the unused portions of their subscription fee less an initial set up charge of $30.00

Terms of Use

By accessing this Web site, you agree to the following Terms of Use. If you do not agree to these Terms of Use, do not access this Web site. The Approval Guard Company ("AGC") reserves the right to change these Terms of Use, and your continued use of this Web site constitutes agreement to all such changes. AGC means Approval Guard Company and its affiliates.

Uses of this Web Site

All right, title and interest in this Web site and any content contained herein is the exclusive property of AGC, except as otherwise stated. You may print, copy and download any information or portion of this Web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Web site, except for the purposes expressly provided herein, without AGC's prior written approval. Unauthorized use of this Web site and or any AGC systems, including, but not limited to, unauthorized entry into AGC' systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this Web site in any manner that could damage, disable, overburden, or impair any AGC site or service or interfere with any other party's use and enjoyment of any AGC site or service. You may not attempt to gain unauthorized access to any AGC site or service, computer systems or networks connected to any AGC site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this Web site that are contrary to applicable laws or regulations.

AGC reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Web site and to suspend and/or deny access to this Web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Web site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and AGC does not undertake any obligation or responsibility to update or amend any such information. AGC may discontinue or change any product or service described in or offered on this Web site at any time without any notice.

Disclaimer of Warranty and Limitation of Liability

The information, products and services on this Web site are provided on an "AS IS," and "AS AVAILABLE" basis. AGC does not warrant the information or services provided herein or your use of this Web site generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. AGC will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this Web site. Although the information provided to you on this Web site is obtained or compiled from sources we believe to be reliable, AGC cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither AGC, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Web site, or resulting from the act or omission of any other party involved in making this Web site, the data contained herein or the products or services offered on this Web site available to you, or from any other cause relating to your access to, inability to access, or use of the Web site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of AGC or of any vendor providing software or services. In no event will AGC or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if AGC or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. AGC cannot and does not guarantee continuous, uninterrupted or secure access to the Web site.

Trademarks and Copyrights

AGC, the ApprovalGUARD™ and  logo and other AGC trademarks and service marks referenced herein are trademarks and service marks of AGC. The names of other companies and third-party products or services mentioned herein may be the trademarks or service marks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of AGC or such third party, which may own the marks.

If you copy or download any information or software from this Web site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

Links

This Web site may contain links to third party Web sites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by AGC of any information contained in any third party Web site. In no event shall AGC be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site's privacy policy may be different from those applicable to your use of this Web site.

Web Beacons and Cookies

AGC uses certain technology known as "Web beacons" on its Web sites to collect information from visitors and compiles aggregate statistical information about how visitors use our Web sites, including information relating to the frequency of visits, the average length of visits, which pages are viewed during a visit, and the effectiveness of advertising on our Web sites. AGC uses this information to improve the Web site content and performance. No individually identifiable information is collected for this purpose and AGC does not monitor individual visitor behavior.