Terms & Conditions

Last Updated: May 15, 2020
  1. Introduction

    You are visiting a website owned and operated by EPCVIP PR, LLC. EPCVIP PR, LLC and its subsidiaries (collectively, “EPCVIP PR”, “us”, “we”, or “our”) offers this Website to you conditioned upon your acceptance of all terms, conditions, policies and notices stated herein. These Terms and Conditions (hereafter “Terms”) applies to www.creditbracket.com and all websites owned and operated by EPCVIP PR on which these Terms are displayed (referred here after as Website(s) or Site(s), whether individually or collectively) as well as EPCVIP PR affiliates. This Agreement also applies to your use of any goods (such as our Browser Extension), facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference, You agree that, to the fullest extent required by the law of any state, that you have been provided with, have received, and are agreeing to all disclosure and consent requirements. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.

  2. Agreement

    By accessing, browsing, or using the Websites and/or Services, you acknowledge that you understand, accept, and agree (i) to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference; (ii) to the fullest extent required by the law of any state, that you have been provided with, have received, and are agreeing to all disclosure and consent requirements; and (iii) that you are of legal age and not prohibited by law from accessing or using the goods and Services offered herein. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service. If you do not agree to all these Terms, then you may not access this Website or use any of its Services.

  3. Modification

    We reserve the right, in our sole discretion, to change these Terms at any time by posting revised terms on this Website. The date on which these Terms have been last updated will be noted immediately above this page and the revised Terms will take effect seven (7) days after their publication on this Website. Therefore, you should visit this page periodically to review any changes. Your continued use of this Website after any such changes have been made constitutes acceptance of those changes.

  4. Eligibility

    The Services on offered on this Website are not available to persons under the age of 18 or to persons who are not legal residents of the United Sates. By using this Website, apply for or using any of its Services, you represent and warrant that you are at least 18 years of age and are a legal resident of the United States. Not all Services are available in all geographic areas. Your eligibility for particular Services is subject to final determination by EPCVIP PR, its affiliates, and or its lending partners.

  5. Authorization to Obtain a Credit Report and Credit Score

    You understand and agree that by submitting your loan request, you are providing written instruction under the Fair Credit Reporting Act authorizing us to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency in order to provide you with the services that you seek and to verify your identity. Additionally, you understand and agree that providers may use third party services to obtain information relating to you and to verify any information that you provide including, without limitation your first and last name, address, and bank account information.

  6. Services Offered by this Website

    Providing You a Free Alternative Credit Report. When you agree to download and use our browser, you will be provided with a free alternative credit report powered by VantageScore. You also agree to allow www.creditbracket.com to retain information obtained from your credit report to provide its Services.

    Filtering Your Advertisements Based on Your Credit Report. When you download and use our browser extension, you will be provided access to an additional tab in your web browser (powered by BingAds) that filters your search engine optimization based on your credit report.

    User Accounts. . In order to use the Services, you must create a CreditBracket account, including a username and password (“User Account”). The Services may allow you to register and log in using sign-on functionality. When registering for an account, we need accurate and complete information about you and you must tell us when any of your information changes. When you create a User Account, you will gain access to unique credit related products and offerings, as well as your credit report through the Browser Extension. We may suspend and terminate your User Account if we cannot verify your information, or if you do not update it or provide it, when requested. You are solely responsible for all activities that occur through your User Account. You shall not use the Services for any illegal or unauthorized purpose. You shall not abuse, harass, threaten, harm or impersonate other CreditBracket user or employees, at any time or for any reason. You are responsible for monitoring your User Account, for changing your password periodically, and for notify CreditBracket immediately of any unauthorized use of your User Account or breach of password security. To protect your User Account from unauthorized use, you shall not provide your username or password to anyone else, and you shall not transmit worms, viruses or any code of a destructive nature to us, other users, or the Services. Please notify us immediately of any unauthorized use of your User Account or any other breach of security by sending an email to info@creditbracket.com.

    Request for Other Products and Services. EPCVIP PR may also allow you to request products or services other than loans that are advertised on this Website based on your interest. These non-loan related products or services may include debt consolidation or settlement, auto title loans, health insurance products, credit card products and/or any products or services that may be of interest to you. EPCVIP PR will not transmit your information to these non-loan related products or services without first obtaining your express consent to do so and based on the qualifying questions you answer throughout your loan request form.

    Not Professional Advice. EPCVIP PR and the products and services it promotes are not a substitute for professional advice. We provide our Services solely for your convenience, and such Services (i) are not intended as a substitute for professional advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any financial decision or action. We are not responsible for the accuracy or reliability of any Services. It is your responsibility to evaluate the accuracy, completeness or usefulness of any Services available through this Website. The relationship between you and us is not a professional or similar relationship. We always recommend you seek the advice of a qualified professional with respect to any questions you may have, and to never disregard professional advice or delay in seeking it because of something you have read on this Website.

  7. Data Sharing with Alternative Credit Bureaus, Other Providers, and Third Parties

    When you voluntarily submit your information on this Website, you understand and agree that we will share the information provided in the request form with alternative credit bureaus, other providers, non-lending financial institutions, and third parties (also referred to as “Network Partners”). Network Partners may keep the information provided in your loan request form, and other information provided to us or received by them in the processing of your loan request, or other products or services that may be of interest to you. Network Partners may retain this information. You agree to notify any particular Network Partner directly if you no longer want to receive communications from them. In addition, EPCVIP PR and its Network Partners may share the information you provide to them with state licensing authorities and government regulators.

    Information specific to the Network Partner you may be connected with will be found in the Network Partner’s specific Privacy Policy. Please note that you are providing your express written consent for EPCVIP PR and the selected Network Partners to share this personally identifiable information for the following purposes: to provide the services and products that you seek, litigation, regulatory request(s), law enforcement requests, internal analytics, and/or for marketing purposes.

  8. Consent to Receive Communications via E-mail, Telephone Calls and/or SMS Messaging

    When you submit your information on our Website and consent to receive communications from us, please note that we may communicate you via postal mail, e-mail, telephone calls and/or SMS messaging where you have provided your express consent to be contacted through those forms of communication. You may receive these communications directly from us or our e-mail and SMS messaging service providers (hereafter “Marketing Service Providers”) on behalf of us. You agree to receive communications from us and our affiliates electronically and that all agreements, notices, disclosures and other communications (hereafter “Disclosures and Communications”) that we can provide to you electronically satisfy any legal requirement that such communications be in writing.

    By submitting your information through this Website, you consent to be contacted by us, our Marketing Service Providers and/or each Network Partner that we transmit your information to, and their affiliates and service providers, by (i) telephone at the numbers you have provided whether landline or cellular, even if your phone number is on any federal, state, or local Do-Not-Call registry and you agree to receive pre-recorded calls and/or messages made with an automatic dialing system; (ii) by email at the email address you provided or at another address that may be associated with you that we receive from other parties and you agree that any such email will not be considered spam or unauthorized by any local, state, or federal law or regulations; and/or (iii) by SMS/text messaging to the mobile number that you provide, in which case data and message rates may apply. Consent is not required in order to purchase goods and services from EPCVIP PR or the Network Partners that reach out to you. By submitting a loan request through this Website, you understand and agree that you have established a business relationship between you and EPCVIP PR.

    By submitting your information on our Website, you give us permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to you submission, or other matters in connection with your loan request or any other good or service. Additionally, by submitting your information on this Website, you may also choose to give your express consent to receive marketing and advertising material from EPCVIP PR, our Network Partners, and third-party advertising partners with whom we may also share your information. EPCVIP PR additionally partners with third-party email marketing providers with whom you may receive EPCVIP PR marketing from if you have opted in to receiving such emails from the third-party.

    If at any time you do not wish to continue to receive communications from EPCVIP PR and its Marketing Service Providers, you may contact EPCVIP PR to opt out (i) by emailing us at info@creditbracket.com; (ii) by sending us an e-mail to and/or (iii) mail us at EPCVIP PR, LLC, 15 Second St, Millennium Park Plaza, Ste 414, Guaynabo, PR, 00968.

  9. Copyrights and Trademark

    All content within this Website, including without limitation all software, graphics, text, design, images, illustrations, databases, user interfaces, visual interfaces, audio, design, structure, arrangement, products and information (collectively, “Content”) of this Website are owned, controlled, and licensed by EPCVIP PR and/or its licensors. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws. Except as expressly stated herein, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted or distributed in any way, including the use of framing or mirrors, to any other computer, server, website or other medium for publication

  10. Privacy

    We respect your privacy and use generally accepted industry standards to safeguard your personally identifiable information. For additional information regarding this Website’s collection and use of your personally identifiable information in connection with your use of this Website, please see our Privacy Policy. EPCVIP PR and/or its Network Partners may obtain, verify, and record information including, but not limited to, your name, social security number, address, telephone number and date of birth, that will allow them to properly identify you. During the Network Partner’s formal application process, they also may ask to your driver’s license or other identifying documentation to further assist in certifying your identity.

  11. Foreign Users

    EPCVIP PR makes no representation that materials in this Website are appropriate or available for use in other locations. If you access this Website from outside the United States, please understand that this Website may contain references and/or links to products and services that are not available or are prohibited in your jurisdiction. Any user who is a resident of a foreign country agrees that (i) they have voluntary sought and established contact with EPCVIP PR; (ii) they will not use, transmit, disseminate or upload any material, content, that would violate any applicable local, state or national laws or regulations of the foreign member’s country of resident; (iii) under no circumstance shall EPCVIP PR be deemed liable under any laws other than the United States; (iv) his or her participation is governed by United States law and subject to the arbitration and venue provisions stated herein; and (v) consent to having their data processed in the United States.

  12. Representations and Warranties

    You represent and warrant to EPCVIP PR that (i) you are at least 18 years of age; (ii) you are authorized to enter into this agreement; (iii) you will not use this Website or the Contents herein for any purpose or manner that violates any laws, regulation or that infringes the rights of us or any third party; (iv) any information or data you provide to us will not violate any law, regulation or infringe the rights of any third party; (v) all information that you provide to us in connection with this Website (e.g. name, e-mail address, phone number and/or other information) is true, correct and accurate; and (vi) you are authorized and able to fulfill and perform the obligations and meet the conditions of a user as specified herein.

  13. Disclaimers and Liability

    THIS WEBSITE DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING YOUR USE, OR THE ULTIMATE OUTCOME OF YOUR USE OF THIS WEBSITE, IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, INTENDED PURPOSE, QUALITY, FUNCTIONALITY, OR OTHERWISE. THIS WEBSITE AND MATERIALS CONTAINED HEREIN ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTIBILITY, TITLE, NONINFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY OUT OF COURSE OF DEALING, USAGE OR TRADE. EPCVIP PR IS NOT RESPONSIBLE OR LIABLE FOR ANY NETWORK PARTNER’S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES OR SERVICES THAT ANY SUCH NETWORK PARTNER MAY PROVIDE, FOR ANY NETWORK PARTNER’S CONTACTING OR FAILURE THEREOF TO CONTACT YOU, FOR ANY NETWORK PARTNER’S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY NETWORK PARTNER.

    YOU AGREE THAT EPCVIP PR, ITS MARKETING SERVICE PROVIDERS, AND NETWORK PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, LOSS OF DATA, LOSS OF SECURITY ARISING OUT OF OR IN ANY WAY CONNECTED TO YOUR USE OF THIS WEBSITE, OR OF INFORMATION OR MATERIALS AVAILABLE THROUGH THE WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF EPCVIP PR HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IN PARTICULAR AND WITHOUT LIMITATION, TOTAL LIABILITY OF EPCVIP PR FOR ANY REASON WHATSOEVER RELATED TO YOUR USE OF THIS WEBSITE, RESULTS FROM USE OF THIS WEBSITE, OR FOR ANY CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD). THE FOREGOING LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

  14. Indemnity

    As a condition of use of this Website and/or EPCVIP PR’s services, you agree to indemnify EPCVIP PR and its Marketing Service Providers, and Network Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of this Website, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms. You must not settle any such claim or matter without the prior written consent of EPCVIP PR. The EPCVIP PR parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claim.

  15. Errors and Delays

    You agree that EPCVIP PR is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.

  16. Links to Third Party Websites

    This Website may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave this Website, you agree that we are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.

  17. Notice of Claim

    For all disputes you may have, whether pursued in court or arbitration, you must first give EPCVIP PR an opportunity to resolve the dispute by providing written notification to info@creditbracket.com and via postal mail to EPCVIP PR, LLC, 15 Second St, Millennium Park Plaza, Ste 414, Guaynabo, PR, 00968 stating (i) your name, (ii) your address, (iii) a written description of your claim, and (iv) a description of the specific relief you seek. If EPCVIP PR does not resolve the dispute within 30 days after it receives your notification, you may pursue your dispute as set forth above.

  18. Release and Discharge

    YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE EPCVIP PR, ITS MARKETING SERVICE PROVIDERS AND ITS NETWORK PARTNERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, 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 DISBURSEMENT OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNKOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS WEBSITE.

  19. Dispute Resolution and Binding Arbitration

    YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION DISPUTES RELATING TO THIS WEBSITE, CONTENT OR SERVICE (“DISPUTE”), SHALL BE FINAL AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING CONDUCTED IN LOS ANGELES, CALIFORNIA; THE ARBITRATOR(S) SHALL HAVE NO AUTHORITY TO DEVIATE FROM THE LAW, AND THE ARBITRATOR(S) SHALL MAKE ALL REASONABLE EFFORTS TO EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS THAT YOU WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY AND ALL DISPUTES WILL BE GOVERNED BY THE LAWS OF THE STATE OF CALIFORNIA WITHOUT REGARD TO ANY CONFLICT OF LAW PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION BY, AND VENUE IN, THE STATE AND FEDERAL COURTS LOCATED IN LOS ANGELES COUNTY, CALIFORNIA, AND WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE.

    You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a privacy attorney general capacity. You also agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.

    You also agree that any dispute or cause of action arising out of or related to this Website, Services or Content must be commenced within one year from the later of (i) when the dispute or cause of action accrues, or (ii) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.

    This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and EPCVIP PR and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter thereof. If a conflict between the language of these Terms and the language of any terms incorporated by reference, the latter incorporated terms shall control.

    You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or enforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.

  20. No Class Actions

    To the extent allowed by law, you and EPCVIP PR each agree to waive any right to pursue disputes on a consolidated or class-wide basis; that is, to either join a claim with the claim of any other person or entity, or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding. You hereby understand that by agreeing to this class action waiver, you may only bring claims against EPCVIP PR in an individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding.

  21. DMCA Notice

    Pursuant to the Digital Millennium Copyright Act (DMCA) Safe Harbor 17 U.S.C. § 512(c), if you believe that anything on this Website or service offered herein infringes any copyright that you own or control, you may file notice of such infringement, in compliance with the requirements of 17 U.S.C. 512(c)(3), with our designated agent at EPCVIP PR, LLC, 15 Second St, Millennium Park Plaza, Ste 414, Guaynabo, PR, 00968 or info@creditbracket.com. A copy of this legal notice may be sent to a third-party that may publish and/or annotate it. As such, your letter, with your personal information redacted, may be forwarded to the Chilling Effects Clearinghouse for publication.

  22. California Consumer Notice

    Under California Civil Code Section 1789.3, California website users are entitled to know that they may file grievances and complaints with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, in writing at 400 R Street, Suite 1080, Sacramento, CA 95814, by telephone at (916) 445-1254 or (800) 952-5210, or by e-mail at dca@dca.ca.gov.

  23. Entire Agreement

    These Terms and EPCVIP PR’s Privacy Policy, which is hereby incorporated by reference as if set forth fully herein, represent the entire agreement between you and EPCVIP PR with respect to subject matter herein, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and EPCVIP PR with respect to the Website.

  24. Miscellaneous

    The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement. If you have questions, comments, concerns or feedback regarding this Agreement or our Services, please contact us at info@creditbracket.com.