Last Update: 09/12/2012

1. Description of the Website and Membership
2. General Acknowledgments and Agreements
3. Use of Personal Information and Servicing
4. Restrictions
5. Membership Account
6. Membership Fees, Refunds, Fraud Resolution and Payment Agreement
7. Supplement to Revolving Payment Standby Letter of Credit
8. Representations and Warranties
9. Indemnification
10. Limitations and Disclaimer
11. Term and Termination
12. Effect of Termination
13. Miscellaneous
14. Final Digital Signature

Important: Please read thoroughly before submitting your membership request.

THIS IS A FAIRLY LENGTHY DOCUMENT, AND IT CONTAINS MANY IMPORTANT PROVISIONS THAT AFFECT YOUR RIGHTS AND OBLIGATIONS. BY CHECKING THE CORRECT BOX AT THE END OF THESE TERMS AND CONDITIONS OF USE (THIS "AGREEMENT"), YOU HEREBY AGREE TO BE BOUND BY THIS AGREEMENT. WE ENCOURAGE YOU TO PRINT A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

Throughout this section and all sections of the website, OnlyTrust, LLC shall be referred to as "OnlyTrust" or "OnlyTrust, LLC."

Any reference to "Letter of Credit" within this section and all sections of the website, unless otherwise specified, refers to a Revolving Payment Standby Letter of Credit.

This Agreement governs your use of the OnlyTrust.com website, including, without limitation, the uploading and downloading of personal credit information ("Personal Info") onto or from the OnlyTrust.com website, access to web logs and forums, and any and all services offered by OnlyTrust, LLC ("OnlyTrust") on or through the OnlyTrust.com website (the OnlyTrust.com website, together with all of the foregoing uses and services, to be hereinafter referred to as the "Website").

OnlyTrust specializes in providing of certain transaction information to one, some, or all of the credit bureaus on behalf of individuals. Cross promotion with various financial institutions and e-partners may provide some Members in the future with access to credit cards, and other comprehensive loan programs. Your participation in those partner programs is completely voluntary for a Member. OnlyTrust cannot and does not promise that you will obtain any new credit, such as a credit card, or other loan program as a result of OnlyTrust services. While we feel that you are more likely to obtain such credit if we are successful in increasing the worthiness of your credit profile through the addition of an OnlyTrust trade-line, and through our efforts to report your accurate and on-time payments. The ultimate credit decision remains with the lender or credit grantor, and we cannot control or do we aid in that process. Your credit profile will improve because the information on you will be more complete and accurate. However, profile improvement does not guarantee a higher credit score, since your credit score is dependent on numerous variables that are outside of the control of OnlyTrust, LLC.

OnlyTrust, LLC is not a financial institution and does not lend money, nor is the company a credit repair company, credit consulting / counseling company or a debt relief company. It is an alternative credit solutions company that issues Letters of Credit on behalf of our members.

1. Description of Membership
   
   

   When a visitor to the Website registers to become a Member, he or she will select an available user name ("Membership Name") and a corresponding user password (“Membership Password”) to create a unique, personal Membership Account. During registration, each Member will be assigned the United States of America as the default country designation (as well as English as the default language and US Dollars as the default currency), which shall be validated based on the IP address from which such Member is accessing the Website. OnlyTrust, in its sole discretion, may provide each Member with the opportunity to specify a country other than the default country (but the language and currency linked to such other country shall be pre-determined by OnlyTrust to correspond to such other country). Once such information is entered during registration, such information cannot be revised later.

2. General Acknowledgments and Agreements
   
   

   Your use of the Website constitutes your acknowledgment and acceptance of the terms and conditions of this Agreement, and you shall be bound by such terms and conditions. If you do not agree to be bound by the terms and conditions of this Agreement, do not use or access any portions of the Website or use any services offered on the Website.

   OnlyTrust shall have the right, in its sole discretion, to amend the terms and conditions of this Agreement, in whole or in part, at any time, and any such changes shall be effective immediately upon Member notification and publication of such changes on the Website. Your continued use of the Website after the effectiveness of such changes and notice constitutes your acknowledgment and acceptance of the terms and conditions of this Agreement, as so amended. If you do not agree to be bound by the terms and conditions of this Agreement as so amended, do not use or access the Website and discontinue your membership.

   Services on the Website are available only to, and may only be used by individuals who can enter into legally binding contracts under applicable law. Without limitation to the foregoing, services on the Website are not available to minors (e.g., persons under the age of eighteen). There shall be no exceptions to this requirement. Your Membership Account on the Website may not be sold or otherwise transferred to another person or entity.

   Member agrees to provide OnlyTrust necessary personal information as required by OnlyTrust, credit-reporting agencies and the Credit Bureaus. PLEASE UNDERSTAND THAT NO ONE, INCLUDING ONLYTRUST, CAN ADD unverified, false, or misleading information to your CONSUMER CREDIT PROFILE. INFORMATION CAN BE REMOVED FROM A PERSON'S CREDIT PROFILE ONLY IF THE CREDIT HISTORY IS INACCURATE OR OBSOLETE AND IS NOT CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAU. ONLYTRUST WILL SEEK TO HAVE ANY INACCURATE INFORMATION, ONLY TRANSMITTED BY ONLYTRUST, CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CREDIT BUREAUS IF AND TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT.

   You may be contacted to verify your participation in the OnlyTrust program and that indeed you have given permission to OnlyTrust to supply information to one or more of the credit bureaus. You agree that promptly upon receipt of any correspondence related to the OnlyTrust service, you will provide permission for OnlyTrust to access and report such information on your behalf, you will also forward a copy of such correspondence to OnlyTrust. Should you deny permission for OnlyTrust to service you, or fail to provide the required information and communication for OnlyTrust to service you, you will have forfeited the right to be serviced and your membership will be cancelled.

   OnlyTrust reserves the right to audit any Member account at any time for any reason. In the event your account is identified to undergo an audit, we will notify you via the email address on record or via postal service at the address on file that an audit is to be conducted in order to maintain the account in good and active status. During the audit, OnlyTrust may request additional documentation, which may include, but is not limited to:
   

   • additional forms of personal identification
   • a copy of your social security or tax identification number
   • complete list of creditors disclosed on the OnlyTrust monthly budget form including names, addresses, phone numbers and account numbers
   • copies of bills relating to the aforementioned creditors
   • copy of your credit report from one of the major US bureaus
   
   

   Upon request, Member shall provide all requested information via post or fax within the timeframe provided in the notification. Failure to comply with the audit request shall be considered a term of default and the Member account shall be suspended immediately. OnlyTrust will cease reporting the Member’s tradeline to the credit bureaus until such time as the requested information is received and is complete and in good order. The Member’s account will be reinstated under the terms and conditions written herein. The right to audit is a means to protect Members from fraud and / or identity theft.

   Your OnlyTrust membership is active as long as your account is in good standing with OnlyTrust. You can always cancel your membership at any time by logging into your account and following the appropriate directions. Member empowers OnlyTrust, its employees, agents, subcontractors and assignees to perform or engage in any act on behalf of member related to including, without limitation, the right to verify the members rent and information. The specific acts necessary to accomplish the purpose of this agreement shall be at the sole discretion of OnlyTrust’s professional judgment. The specific acts may require periodic verification of Member's self-disclosed monthly budget.

   You agree that when you receive any OnlyTrust email advising you that your account needs viewing, updating or additional information, you will review your account and provide any additional data or assistance necessary. Further, you shall indemnify OnlyTrust for any costs, losses, damages or liability for any violation by you of this agreement, including without limitation if you instruct us to verify or add information, which you know to be inaccurate, false or outdated.

3. Use of Personal Info & Servicing
   
   

   You acknowledge and agree that no Personal Info can be transferred, and that no sale of any Personal Info can be effectuated on or through the Website. You acknowledge and agree that OnlyTrust or its licensors shall have the limited rights to use the Personal Info for the purpose of establishing or maintaining Member’s credit by reporting favorable information on behalf of the Member, so long as the Member continues to pay their bills on time and to fulfill all obligations to those which provide services to them, and that such Personal Info are covered and protected by the foregoing Privacy Agreement.

   You further acknowledge that as a requirement of your Membership, OnlyTrust will be required to report your payment history as it relates to your Account, whether delinquent or timely to the Credit Bureaus. Members will be allotted a twenty-five (25) day grace period to cure delinquent accounts. In the discretion of OnlyTrust, delinquent accounts may incur a penalty fee if not cured within the grace period.

4. Restrictions
   
   

   You agree that you shall not use the Website in any manner that is not permitted by this Agreement or that violates any law, regulation or statute in an applicable jurisdiction.

   You shall not upload or post onto the Website, or use the Website to transfer, any Personal Info or other material or content that is covered or protected by copyright, trademark, privacy, or other intellectual property rights unless you own or control such rights or have received all necessary consents. OnlyTrust does not permit copyright infringing activities and infringement of privacy or intellectual property rights on its website, and OnlyTrust will remove all Personal Info if properly notified that such material infringes on another's privacy or intellectual property rights. OnlyTrust reserves the right to remove Personal Info without prior notice. OnlyTrust will terminate a user's access to its Website if the user is determined to be a repeat violator. A repeat violator is a user who has been notified of infringing activity more than twice and/or has had a user submission removed from the Website more than twice.

   You shall not upload or post onto the Website, or use the Website to transfer, any Material or other material or content that is libelous or slanderous or otherwise defamatory, obscene or indecent.

   You shall not upload or post onto the Website, or use the Website to transfer, any Material or other material or content that contains or constitutes viruses, worms, Trojan horses or other code with malicious, disruptive and/or destructive features. You shall not to attempt to gain unauthorized access to any hardware or software systems or networks Info associated with the Website, or obtain any services or information not intentionally made available to you by OnlyTrust on or through the Website. You shall not attempt to gain unauthorized access to the Membership Account of any other person or entity, or otherwise interfere with any other person's or entity's use, of the Website. You shall not use any false or misleading information (e.g., false or misleading names, email addresses or URLs) when using the Website, including, without limitation, with respect to the origin or source of any material or content that you upload or any identifying information for your Membership Account.

   OnlyTrust retains the right to decide whether any material is appropriate and complies with this Agreement for violations other than copyright infringement, privacy, and violations of intellectual property law, such as, but not limited to, pornography, obscene or defamatory material. OnlyTrust may terminate a user's access for uploading such material in violation of this Agreement at any time, without prior notice and at its sole discretion.

   You may not use the Website in a fraudulent manner, or otherwise in a manner for which the Website is not reasonably intended to be used. By way of example, and without limiting the generality of the foregoing statement, you will not download Personal Info for the primary purpose of effecting a report of positive credit information for the account of someone other than you.

5. Membership Account
   
   

   You acknowledge and agree that you are to keep confidential the Membership Name and Membership Account provided by OnlyTrust to you, and the Membership Password selected by you and approved by OnlyTrust for use with such Membership Name and Membership Account. Your Membership Name, Membership Account and Membership Password are personal to you and may not be shared with, or transferred to, any other person or entity.

   You acknowledge and agree that you will be solely responsible for each and every use of your Membership Account, Membership Name and Corresponding Password, and that OnlyTrust may rely on the use of your Membership Account, Membership Name or Membership Password as conclusive evidence that you have used the Website.

6. Membership Fees, Fraud Resolution and Agreement
   
   Membership Fees: 100% Free! No Credit Card Required, cancel at anytime.
   
   Fraud Resolution:
   

   We cooperate completely with all law enforcement agencies in the pursuit of fraud, with regard to the purchase and use of our products. If you believe your payment method was fraudulently charged for the purchase price of our product, or the monthly payments we will make every effort to aid in a resolution. Before we can take any action, please submit a copy of the official report filed with your local Police or law enforcement agency detailing the suspected fraudulent act to our Customer Service. Please also include the portion of your account statement showing the date and amount of the suspected fraudulent transaction. Please allow OnlyTrust 15 days for resolution after we receive the report and statement.

   Agreement:
   
   1. I understand that OnlyTrust may verify and will store in a secure data warehouse, data mine, then convert my self-reported budget data into an acceptable data format for upload into one or more of the credit bureau's reporting database. I understand that it is entirely up to the bureaus to include the verified reported data of my account and my personal information into their national reporting databases. If a problem occurs verifying my account, I understand OnlyTrust will contact me at the email I provided.
   2. I understand that one or more of the credit bureaus will receive my accurate account data.
   3. I authorize OnlyTrust to report my Letter of Credit to one or more of the credit bureaus.
   4. I authorize OnlyTrust to provide accurate reporting to one or more of the Credit Bureaus.
   5. I agree to allow OnlyTrust to send emails for any membership issues.
   6. I agree to allow OnlyTrust to communicate with any of the disclosed services providers on my self-reported monthly budget, if needed, and allow said services providers to provide OnlyTrust with my accurate account information needed to service my account.
   
   
7. Supplement to Revolving Payment Standby Letter of Credit
   
   

   Your Electronic Signature which was filed with OnlyTrust, LLC attests that you have agreed to the Terms and Conditions of this revolving payment standby letter of credit, as stated herein, as well as the Terms and Conditions of Use and Services Agreement of OnlyTrust LLC ("OnlyTrust").

   For the purposes of this supplement agreement, “you,” “your,” and “Member” refer to the Applicant of a revolving payment standby letter of credit from OnlyTrust in good standing.

   A. At the request of and for the account of Member, an individual, we hereby issue this revocable, revolving payment standby Letter of Credit ("Letter of Credit") in favor of Payzar, LLC ("Beneficiary").

   B. The amount of the Letter of Credit is in U.S. Dollars ($) (the "Credit Amount"). Beneficiary shall be entitled to draw under this Letter of Credit from time to time amounts not exceeding, in the aggregate, the Credit Amount. The amount of credit shall be based upon the monthly budget of expenses established by the Member.

   C. This Letter of Credit expires at 5:00 p.m., EDT time, on the one year anniversary date of your membership ("Expiration Date"). The Expiration Date shall be automatically extended, without amendments, for successive one-year periods from the Expiration Date, unless at least ninety (90) days prior to the then applicable Expiration Date, the Beneficiary receives notification in writing from us (which notification shall be sent by registered mail or overnight delivery), that we, in our sole discretion, do not elect to extend the Expiration Date for any such additional period. If the Expiration Date is not a date on which we are open for business, then the Expiration Date shall be the next day on which we are open for business.

   D. The occurrence of one or more of the following (herein called a "Default" or an "Event of Default") shall constitute a default by the Member hereunder, and hence discontinue our positive reporting obligations to any credit bureaus, in addition to but not in limitation of any events which would cause a default under the terms and conditions of the Letter of Credit:

   • (i) Member’s insolvency, appointment of a receiver for all or a part of Member’s property, the making of any assignment by Member for the benefit of creditors or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Member or upon the issuing of any writ of attachment by trustee process or otherwise or a restraining order or injunction affecting any of the Member's property; provided, however, if any such proceeding is commenced against the Member, the Member shall have thirty (30) days in which to cause such proceeding to be dismissed.
   • (ii) The death, dissolution, termination of existence, declared insolvency; or failure in business of the Member.
   • (iii) The admission in writing of the Member’s insolvency or inability to pay debts generally as they become due, or upon any deterioration of the financial condition of the Member, which results in OnlyTrust, LLC deeming itself, in good faith, insecure.

   E. This Agreement may be modified, amended or supplemented only by a written instrument duly executed by all the parties hereto.

   F. Multiple and partial drawings are permitted provided that drawings honored by us hereunder shall not, in the aggregate, exceed the Credit Amount as in effect from time to time. The Credit Amount shall be reduced by any partial draws.

   G. This instrument, the schedules and exhibits attached hereto and the documents to be executed pursuant hereto contain the entire agreement between the parties relating to the Letter of Credit. Any oral representations or modifications concerning this Agreement or any such other document shall be of no force and effect excepting a subsequent modification in writing, signed by the party to be charged.

   H. This Letter of Credit sets forth our undertaking and such undertaking shall not in any way be modified, amended, amplified or limited by any document, instrument or agreement referred to in this Letter of Credit or in any certificate presented by you under this Letter of Credit.

   I. This Letter of Credit may be amended from time to time pursuant to the written application for such amendment submitted by the Member to us, but no such amendment shall be effective unless executed by us in writing and expressly approved in writing by the Beneficiary.

   J. This Letter of Credit is not transferable, either in whole or in part, except with our express written consent. This Letter of Credit may be executed electronically by express permission of OnlyTrust.

   K. This Letter of Credit shall be governed by the laws of the State of Idaho.

8. Representations and Warranties
   
   

   In addition to the representations and warranties you have made above, each of OnlyTrust and you hereby represent and warrant that each has the right to enter into this Agreement.

9. Indemnification
   
   

   You agree to indemnify, defend and hold harmless OnlyTrust and its affiliates, and their respective officers, directors, employees, owners, agents, representatives, licensors and (sub)licensees (collectively, "Indemnitees") from and against all claims, expenses (including attorney fees) or other liability arising from your breach of any of your representations, warranties or obligations under this Agreement, and from any and all uses by you of the Website (including any uses under your Membership Account or Membership Name, whether or not authorized by you), including, without limitation, any claims or actions based on fraud, infringement or violation of intellectual property rights, libel or slander or other defamation, right of privacy or "false light", right of publicity or blurring or distortion, whether or not intentional. OnlyTrust shall have the right, in its sole discretion, to control the defense of any claim, action or matter subject to indemnification by you with counsel of its own choosing. You shall fully cooperate with OnlyTrust in the defense of any such claim, action or matter.

10. Limitations and Disclaimer
    
    

    You agree that neither OnlyTrust nor its affiliates, nor any of their respective officers, directors, employees, owners, agents, representatives, licensors and (sub)licensees (other than yourself, as applicable), shall be liable for any damages, whether direct, incidental, indirect or consequential, arising from any use by you of the Website, even if such parties have been advised, or advised of the possibility, of such damages.

    EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, NEITHER PARTY MAKES ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. FOR CLARIFICATION PURPOSES, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED IN THIS AGREEMENT, ONLY TRUST MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE WWW.ONLYTRUST.COM WEBSITE OR THE SERVICES ON THE WWW.ONLYTRUST.COM WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, GUARANTEE OF SUCCESS OF THEIR SERVICE, FITNESS FOR A PARTICULAR PURPOSES, NON-INFRINGEMENT OF COPYRIGHT, TRADEMARKS OR OTHER INTELLECTUAL PROPERTY RIGHTS, OR FREEDOM OF ANY SERVICES, OR ANY PERSONAL INFO OR OTHER MATERIALS OR CONTENT, FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE WITH MALICIOUS, DISRUPTIVE AND/OR DESTRUCTIVE FEATURES.

11. Term and Termination
    
    

    This Agreement shall continue in perpetuity unless terminated in accordance with this Section 11. OnlyTrust at any time may terminate this Agreement in its sole discretion, including, without limitation, for breach by you of any of your representations, warranties or obligations under this Agreement, or for inactivity by you with respect to use of the Website. You may at any time terminate this Agreement by logging into your Membership Account on the Website and then sending a termination request to OnlyTrust. In the event termination is by OnlyTrust, OnlyTrust shall notify you of such termination. OnlyTrust reserves the right, in its sole discretion, to terminate your Membership Account at any time, including, without limitation, deactivating your Membership Name and Membership Password.

12. Effect of Termination
    
    

    Upon any termination of this Agreement:

    1. your Membership Account shall be canceled and closed and your Membership Name and Membership Password shall be deactivated;
    2. all Personal Info uploaded by you shall be removed from the Website; provided, however, that OnlyTrust may continue to use the information for internal archival.
    3. you shall forfeit all rights, title and interest in and to any and all Services upon cancellation of membership.
    
    
13. Miscellaneous
    
    

    This Agreement shall be governed by and construed in accordance with the laws of the Idaho, without regard to any conflict of laws principles. Any legal action, suit or proceeding arising out of or relating to this Agreement shall be instituted in a court of competent subject matter jurisdiction in the federal or state courts of the State of Idaho, and you and OnlyTrust each submit to the personal jurisdiction of such court and waive any right each might otherwise have to claim lack of personal jurisdiction or inconvenience of forum.

    The relationship between OnlyTrust and you under this Agreement is that of independent parties to a contract. For clarification purposes, the parties are not joint venturers, partners, principal and agent, or employer and employee. Neither party shall have the power to bind or obligate the other in any manner. You agree that you shall be responsible for all use, sales, value-added and similar taxes and duties imposed by any governing authority in any jurisdiction in connection with your use of the Website.

    The Parties to this Agreement have each had a fair opportunity to consult legal counsel for the review of this Terms of Use Agreement. Moreover, pursuant to this Terms of Use, the Applicant fully acknowledges that OnlyTrust and/or its subsidiaries have contracted Payzar, LLC to act as beneficiary for the establishment of each account set up with responsibilities for, among other things, managing, documenting, and servicing such accounts on behalf of OnlyTrust;

    No waiver on the part of OnlyTrust to exercise any power, right, privilege or remedy under this Agreement, and no delay on the part of OnlyTrust to exercise any such power, right, privilege or remedy, shall preclude any other or further exercise thereof or of any other power, right, privilege or remedy. OnlyTrust shall have the right, in its sole discretion, to assign any or all of its rights or obligations under this Agreement. You shall have no right to assign any of your rights or obligations under this Agreement.

    To the extent permitted by applicable law, you hereby waive any right to, and agree not to, join in any class action against OnlyTrust, its officers, representatives, vendors, or owners. To the extent permitted by applicable law, any liability of OnlyTrust, hereunder shall be limited to the amount of: $0. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, the remainder of this agreement shall continue in effect. THE PARTIES HEREBY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES PROVIDED HEREUNDER, WHETHER SOUNDING IN CONTRACT, TORT OR OTHERWISE. THE PARTIES AGREE THAT ANY OF THEM MAY FILE A COPY OF THIS PARAGRAPH WITH ANY COURT AS WRITTEN EVIDENCE OF THE KNOWING, VOLUNTARY AND BARGAINED-FOR AGREEMENT AMONG THE PARTIES IRREVOCABLY TO WAIVE TRIAL BY JURY AND THAT ANY PROCEEDING WHATSOEVER BETWEEN THEM RELATING TO THIS AGREEMENT OR ANY OF THE CONTEMPLATED SERVICES DESCRIBED HEREIN OR ON OUR WEBSITE SHALL INSTEAD BE RESOLVED BY BINDING ARBITRATION. BY AGREEING TO THESE TERMS AND CLICKING THE "I AGREE" BUTTON ABOVE, YOU ACKNOWLEDGE THAT THIS AGREEMENT TO ARBITRATE RESULTS IN WAIVER OF YOUR RIGHT TO A JURY TRIAL FOR ANY DISPUTE OR ANY OTHER CLAIM.

    You hereby agree to indemnify, defend and hold OnlyTrust and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use or the foregoing representations, warranties and covenants. You shall cooperate as fully as reasonably required in the defense of any claim. OnlyTrust reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of OnlyTrust.

    ONLYTRUST AND ITS AFFILIATES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN ONLYTRUST WEBSITES FOR ANY PURPOSE. ALL SUCH INFORMATION IS PROVIDED "AS IS" WITHOUT A WARRANTY OF ANY KIND. ONLYTRUST AND ITS AFFILIATES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL ONLYTRUST OR ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES (OR, WITH RESPECT TO USE OF INFORMATION CONTAINED ON ONLYTRUST.COM OR ITS AFFILIATE'S WEBSITES, ANY DAMAGES WHATSOEVER), INCLUDING THOSE RESULTING FROM DELAY, INACCURATE INFORMATION OR DATA, LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTUOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION CONTAINED IN ONLYTRUST.COM OR ITS AFFILIATES WEBSITES, OR FROM ONLYTRUST PROVIDING THE SERVICES HEREUNDER.

    This Agreement shall inure to the benefit of, and be binding upon, OnlyTrust and you, and its and your respective successors and assigns. Nothing in this Agreement, express or implied, is intended to confer upon any person or entity, other than OnlyTrust and you, and its and your respective successors and assigns, any rights, remedies, obligations or liabilities under or by reason of this Agreement.

14. Final Digital Signature: The Federal E-Sign Act (HR-1714)
    
    

    The E-Sign Act grants electronic signatures and documents equivalent legal status as traditional handwritten signatures. By completing our online Membership Agreement, you are certifying that your digital signature is the equivalent of your handwritten signature. Furthermore, you agree that you have read all of the agreement and are agreeing to and signing each section of this Membership Agreement with your digital signature. You further agree that you have read and understand this Agreement. Your "Internet Protocol" address will be used, tracked, and kept, as the physical representation of your desire to be serviced by OnlyTrust and your agreement to these terms and our privacy policy.

    The term of this agreement is for one year from the date of sign-up, and shall terminate in 12 months. You will be notified and given the opportunity to continue OnlyTrust service for another year at no additional cost. OnlyTrust is not liable for any changes in your credit profile, which have an adverse affect on your credit rating. OnlyTrust is not liable for the actions of any companies in partnership with, or which provide services at the request of, OnlyTrust.

You are welcome to contact us at anytime with any questions or concerns:

OnlyTrust LLC
6575 141st Ave NW
Suite 101
Ramsey, MN 55303
info@onlytrust.com