Privacy Policy

Collection of Personally Identifiable Information

We collect personally identifiable information (name, email address, phone numbers, and other information from questionnaires) from you when you submit inquiries about our services. .

Philly Credit Mechanic does not sell, share, or in any other way transmit personally identifiable information (names, address, phone numbers, etc.) to any third parties not related to your engagement of credit consulting services with our firm. We do use your contact information to send you information regarding your inquiries, information regarding you’re the status of your file, reminders, special offers, and other pertinent communications relevant to the service we are providing you. You may always opt-out of receiving such information; see the Choice/Opt-Out section below.

 

Use of Demographic and Profile Data

In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users' activity on our website. We identify and use your IP address to help diagnose problems with our server, and to administer our website. Your IP address is also used to help identify you and to gather broad demographic information.

 

We will occasionally ask you to complete optional information and surveys. Optional information and surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our site, providing you with content that we think you might be interested in--and to display content according to your preferences.

 

Cookies

A "cookie" is a small piece of information stored by a Web server on a Web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. Philly Credit Mechanic places both permanent and temporary cookies in your computer's hard drive. Philly Credit Mechanic's cookies do not contain any of your personally identifiable information.

  

We also use temporary cookies (a.k.a. "per-session cookies") to improve the functionality and usability of our site. These temporary cookies are permanently erased from your computer as soon as you log out of your Philly Credit Mechanic account or link to a different website from your parent browser window. In order to use Philly Credit Mechanic, you must set your browser's preferences to allow per-session cookies (most Web browsers automatically accept cookies).

 

We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

 

Links to Other Sites

Our site links to other websites that may collect personally identifiable information about you. Philly Credit Mechanic is not responsible for the privacy practices or the content of those linked websites and will not transmit personally identifiableinformation about you.

 

Security Precautions

Our site has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

 

Choice/Opt-Out

Philly Credit Mechanic provides all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account.

Disclosure of Material Connection
Some of the links on this website are “affiliate links.” This means if you click on the link and purchase the item, MSI Credit Solutions may receive an affiliate commission. Regardless, we only recommend products or services we believe are of good value to our clients.

Testimonials
Some pages on this website include testimonials from clients and partners that have purchased services or conducted business with Philly Credit Mechanic. Each client and partner experience is unique and our past performance does not guarantee future results. Testimonials are not representative of all clients and partners. Not all clients will achieve the same results indicated in the testimonials by other clients.

 

Terms of Use

1. Agreement Between You and Philly Credit Mechanic. The following terms and conditions (the "Terms and Conditions") apply to all visitors to or users of this Web site. By accessing this Web site, the user acknowledges acceptance of these Terms and Conditions. In the case of any violation of these Terms and Conditions, Philly Credit Mechanic reserves the right to seek all remedies available by law and in equity for such violations.

 

2. General Use Provisions; and Copyright. All materials provided on this Web site, including but not limited to all text, logos, designs, graphics, images, sounds, information, software, documents, products and services (collectively, the "Materials"), and the selection, arrangement and display thereof, are the copyrighted works of Philly Credit Mechanic and/or its vendors or suppliers. All Materials herein and all Philly Credit Mechanicsoftware are proprietary to Philly Credit Mechanic and protected by worldwide copyright and other intellectual property laws. Except as stated herein, none of the Materials may be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photocopying, recording or other means, without the prior express written permission of Philly Credit Mechanic.

 

3. Limited License. Philly Credit Mechanic hereby authorizes you to view, copy, download and print the Materials available on this Web site, provided that: (1) if you are a potential or actual credit consulting customers, the Materials are used solely for personal, non-commercial purposes and if you are a contracted or developer, the Materials are used only for the purposes of using the services expressly offered by Philly Credit Mechanic; (2) the Materials are not modified or redistributed; and (3) all copyright, trademark, service mark and other proprietary notices are reproduced as they appear in any such Materials. Except as expressly provided above, nothing contained herein shall be construed as conferring, by implication, estoppel or otherwise, any license or right under any patent, trademark or copyright of Philly Credit Mechanic.

 

4. Trademarks. The trademarks, trade names and service marks (the "Marks") displayed on this Web site are the property of Philly Credit Mechanic or other third parties. Users are not permitted to copy or otherwise use these Marks without the prior written consent of Philly Credit Mechanic or such third party which may own the Mark. The following list of Marks owned by Philly Credit Mechanic is not exhaustive, and Philly Credit Mechanic may own other Marks not included here: Philly Credit Mechanic

 

5. Compliance with Laws; Export Controls. You acknowledge that the software and any accompanying documentation and/or technical information is subject to applicable export control laws and regulations of the U.S.A. You agree not to export or re-export the software, directly or indirectly, to any countries that are subject to U.S. export restrictions.

 

6. Devices. You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our Web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Philly Credit Mechanicsite or any listing, offer or transaction being conducted on our site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure.

 

7. No Unlawful or Prohibited Use. As a condition of your use of this Web site, you warrant to Philly Credit Mechanic that you will comply with all applicable laws, statutes, ordinances and regulations regarding your use of our service and any related activities. In addition, you warrant that you will not use this Web site in any way prohibited by these terms, conditions and notices. Philly Credit Mechanic complies with state and federal civil rights laws.

 

8. Links to Third-Party Web Sites. This Web site may contain links to Web sites operated by parties other than Philly Credit Mechanic. Such hyperlinks are provided for reference only. Philly Credit Mechanic does not control such Web sites and is not responsible for their contents. Philly Credit Mechanic's inclusion of hyperlinks to such Web sites does not imply any endorsement of the material on such Web sites or any association with their operators. If you decide to access any of the third party sites linked to this Web site, you do so entirely at your own risk.

 

9. General Disclaimer. Although Philly Credit Mechanic has attempted to provide accurate information on the Web site, Philly Credit Mechanic assumes no responsibility for the accuracy of the information. All information provided on this Web site is provided "as is" with all faults without warranty of any kind, either express or implied. Philly Credit Mechanichereby disclaims all warranties, express or implied, including, without limitation, those of merchantability, fitness for a particular purpose, title and non-infringement or arising from a course of dealing, usage or trade practice, except to the extent such disclaimers are held to be legally invalid.

 

10. Limitation on Liability. Neither Philly Credit Mechanic nor any of its directors, employees, agents, vendors or suppliers will be liable for any direct, indirect, special, punitive, consequential or incidental damages including, without limitation, lost profits or revenues, costs of replacement goods, loss or damage to data arising out of the use or inability to use this Web site or any Philly Credit Mechanic product, or damages from the use of or reliance on the information present on this Web site, even if Philly Credit Mechanic has been advised of the possibility of such damages.

 

11. Modification of the Web Site. Philly Credit Mechanic(and/or its suppliers) reserves the right in its sole discretion to improve, modify or remove any information or content appearing on the Web site. Philly Credit Mechanic may discontinue or revise any or all aspects of the Web site in its sole discretion and without prior notice.

 

12. Modification of These Terms of Use. Philly Credit Mechanicreserves the right to change the terms, conditions, and notices under which this Web site is offered at any time. Modification of this contract will be deemed effective upon publication on the Web site with respect to any website visitors actions, communications or transactions occurring after said date. It is your responsibility to check terms and conditions of this Agreement at the time of each use.

 

13. Severability. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Philly Credit Mechanic does not render legaladvice or services.

 

14. General. This agreement is governed by the laws of the State of Texas, without regard to its conflicts of laws principles. You hereby consent to the exclusive jurisdiction and venue of courts in Dallas County, Texas, in all disputes arising out of or relating to the use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

 

15. Services Not Provided. In connection with your use of Philly Credit Mechanic's website and/or services, you acknowledge and agree as follows:

 

A. Philly Credit Mechanic is not responsible for the content of, nor does it endorse, the third-party websites to which you may link using this website;

 

B. Philly Credit Mechanic does not guarantee the accuracy of any information available on this website, and is not responsible for any errors, omissions, or misrepresentations, whether made by website visitors or otherwise and all information obtained on this website must be verified independently;

 

C. Philly Credit Mechanic may make changes to its products and/or services and this website at any time and without notifying you or receiving your consent; and

 

IF YOU DO NOT AGREE TO THE TERMS STATED ABOVE OR TO ANY CHANGES THE SERVICE MAKES IN THESE TERMS, PLEASE EXIT Philly Credit MechanicIMMEDIATELY.