Terms of Use; Policies; Privacy Statement

Not a Debt Relief Agency; No Legal Advice Intended or Given

Neither this Web Site, nor its owners, principals or agents, are a debt relief agency as such term is defined in 11 USC 526. In addition, the following disclaimers and policies apply to this Web Site,its owners, principals or agents:

• We are not attorneys and are not your personal attorney.
• We will not and cannot provide any legal advice regarding your situation or how to complete bankruptcy forms in your situation.  Our customer service button is to assist you with downloading software, giving you prices, or such other non-legal advice that you may require.
• We do not and will not prepare or file any documents for you, including bankruptcy petitions.
• We will not and cannot answer legal questions.
• We will not and cannot guarantee the accuracy of any articles, opinions or other information on the Web Site, nor can we guarantee the accuracy of any software or other material available on third party web sites that are linked on this Web Site.

Additional Policies; Terms of Use

This Web Site is provided by Arizona LegalTech ("Site Owner"), Post Office Box 1945, Show Low, Arizona 85902, by consumer request. Site Owner contracts with law firms and does not provide legal advice or legal services to the general public. The content of this Web Site is not to be construed as legal advice. If you have a problem with a service provider accessed through any link on this Web Site, please contact Site Owner at webmaster@bankruptcy-filing.com or via the customer service button as soon as possible. While Site Owner cannot make any express or implied warranty with regard to the services or products offered by third party sites, a best effort will be made to resolve any problems you may experience.

Site Owner reserves the right, in its sole discretion and without notice, to modify, alter or otherwise update these policies and terms of use ("Terms") at any time. Such modifications shall be effective immediately upon posting and may be amended at any time without notice.

This Web Site provides links to other web sites that may or may not be affiliated with this Web Site. Those sites may have terms of use that differ from, or contain terms in addition to, the terms specified here. Your access to such web sites through links provided on this Web Site is governed by the terms of use and policies of those sites, not this Web Site.

DISCLAIMER OF WARRANTIES AND LIABILITY ALL CONTENT ON THIS WEB SITE, INCLUDING WITHOUT LIMITATION, FREE DOWNLOADS, IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. OTHER THAN THOSE WARRANTIES WHICH, UNDER THE U.S. LAWS APPLICABLE TO THESE TERMS, ARE IMPLIED BY LAW AND ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION, Site Owner DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NEITHER Site Owner nor ITS AFFILIATED OR RELATED ENTITIES, NOR THE PROVIDERS, NOR ANY PERSON INVOLVED IN THE CREATION, PRODUCTION, AND DISTRIBUTION OF THIS WEB SITE WARRANT THAT THE FUNCTIONS CONTAINED IN THIS WEB SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVER THAT MAKES THE CONTENT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE CONTENT THAT YOU ACCESS ON THIS WEB SITE IS PROVIDED SOLELY FOR YOUR CONVENIENCE AND INFORMATION ONLY. Site Owner DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEB SITE, OR AS TO THE RELIABILITY, ACCURACY OR CURRENCY OF ANY INFORMATION CONTENT, SERVICE AND/OR MERCHANDISE ACQUIRED PURSUANT TO YOUR USE OF THIS WEB SITE. YOU EXPRESSLY AGREE THAT USE OF THIS WEB SITE IS AT YOUR SOLE RISK. YOU (and not the Site Owner) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF YOUR SYSTEM. YOU EXPRESSLY AGREE THAT NEITHER Site Owner, NOR ITS AFFILIATED OR RELATED ENTITIES (INCLUDING ITS PROVIDERS), NOR ANY OF THEIR RESPECTIVE EMPLOYEES, OR AGENTS, NOR ANY PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION AND DISTRIBUTION OF THIS WEB SITE, IS RESPONSIBLE OR LIABLE TO ANY PERSON OR ENTITY WHATSOEVER FOR ANY LOSS, DAMAGE (WHETHER ACTUAL, CONSEQUENTIAL, PUNITIVE OR OTHERWISE), INJURY, CLAIM, LIABILITY OR OTHER CAUSE OF ANY KIND OR CHARACTER WHATSOEVER BASED UPON OR RESULTING FROM THE USE OR ATTEMPTED USE OF THIS WEB SITE OR ANY OTHER LINKED SITE. BY WAY OF EXAMPLE, AND WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, Site Owner AND RELATED PERSONS AND ENTITIES SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY CLAIM OR DAMAGE ARISING FROM FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION, COMPUTER VIRUS, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO OR ALTERATION OF PERSONAL RECORDS, OR THE RELIANCE UPON OR USE OF DATA, INFORMATION, OPINIONS OR OTHER MATERIALS APPEARING ON THIS WEB SITE. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT Site Owner IS NOT LIABLE OR RESPONSIBLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER SUBSCRIBERS OR THIRD PARTIES. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH JURISDICTIONS, Site Owner's LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Site Owner strives to ensure that all information provided on the Web Site is accurate. However, information may contain technical inaccuracies, outdated information in the event of legislative changes, or typographical errors, and such content will be changed, updated and/or deleted without notice and such content is subject to all disclaimers and terms herein.. THE CONTENT ON THIS WEB SITE DOES NOT CONSTITUTE LEGAL ADVICE. FURTHERMORE, SITE OWNER CANNOT ADVISE YOU AS TO WHETHER YOU SHOULD OR SHOULD NOT FILE FOR BANKRUPTCY. SITE OWNER STRONGLY RECOMMENDS THAT YOU SEEK THE ADVICE OF LEGAL COUNSEL WHEN CONSIDERING BANKRUPTCY. The accuracy of articles provided by guest authors is not guaranteed or warranted whatsoever.

You agree to indemnify, defend, and hold harmless Site Owner, its officers, directors, employees, affiliates, agents, licensors, and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation by you of these Terms.

Information sent by you via email or the customer service windows is subject to our Privacy Policy stated below.

This Web Site contains links to other web sites ("Linked Sites") via banner advertisements, links and reciprocal links. The Linked Sites are provided for your convenience and information only and, as such, you access them at your own risk. The content of any Linked Sites or banners is not under Site Owner's control, and Site Owner is not responsible for such content or responsible for refunds for services obtained on Linked Sites. You may not establish a hyperlink to this Web Site that states or implies any sponsorship or endorsement of your web site by the Site Owner of this Web Site. You may place a link on the reciprocal link directory of the Web Site provided that (a) such link does not link to a web site that contains pornography, promotes hate or violence, contains warez or pirated software or contains illegal content; (b) the web site advertised by such link contains a reciprocal link to this Web Site at http://www.bankruptcy-filing.com. Site Owner has the exclusive right to accept, modify or delete links in the reciprocal links directory.

This Web Site is controlled and operated by (Arizona) LegalTech, Post Office Box 1945, Show Low, Arizona 85902 (webmaster@bankruptcy-filing.com; FAX: 206-309-0848). All content on this Web Site, including, but not limited to text, images, illustrations, multimedia and other content is protected by copyrights, trademarks, service marks, and/or other intellectual property rights (which are governed by U.S. and worldwide copyright laws and treaty provisions, privacy and publicity laws, and communication regulations and statutes), and are owned and controlled by Site Owner or by third party content providers, merchants, sponsors and licensors, (collectively "Providers") that have licensed their content or the right to market their products and/or services to Site Owner. Content on this Web Site or any web site owned, operated, licensed or controlled by the Providers is solely for your personal, non-commercial use. Images for this site have been created by Site Owner and/or licensed through IStockPhoto and ClipArt.com, and may not be copied for your personal or commercial use. You may print a copy of the content and/or information contained herein for your personal, non-commercial use only, but you may not copy, reproduce, republish, upload, post, transmit, distribute, and/or exploit the content or information in any way (including by e-mail or other electronic means) for commercial use without the prior written consent of Site Owner or the Providers. As a condition to your use of this Web Site, you warrant to Site Owner that you will not use this Web Site for any purpose that is unlawful or prohibited by these Terms, including without limitation the posting or transmitting any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material. If you violate any of these Terms, your permission to use the Web Site immediately terminates without the necessity of any notice. Site Owner retains the right to deny access to anyone at its discretion for any reason, including for violation of these Terms. You may not use on your web site any images, trademarks, service marks or copyrighted materials appearing on this Web Site, including but not limited to any logos or characters, without the express written consent of the owner of the mark or copyright. You may not frame or otherwise incorporate into another web site any of the content or other materials on this Web Site without prior written consent of Site Owner.

Unless otherwise specified, the content contained in this Web Site is presented solely for your convenience and/or information. This Web Site is controlled and operated by Site Owner from its offices within Show Low, Navajo County, Arizona. Persons who choose to access this Web Site from do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. You may not use or export the materials in this Web Site in violation of U.S. export laws and regulations. These Terms shall be governed by, construed and enforced in accordance with the laws of the State of Arizona. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed sever able from these Terms and shall not affect the validity and enforceability of any remaining provisions.

The provisions and conditions of these Terms, and each obligation referenced herein, represent the entire Agreement between Site Owner, its affiliated or related entities, and you, and supersede any prior agreements or understandings not incorporated herein. In the event that any inconsistencies exist between these Terms and any future published terms of use or understanding, the last published Terms or terms of use or understanding shall prevail. ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED BY Site Owner.

Privacy Policy Statement

Site Owner has created this privacy statement in order to demonstrate our firm commitment to your privacy. The following discloses the information gathering and dissemination practices for this Web Site.

Information Automatically Logged. We use your IP address to help diagnose problems with our server and to administer our Web site. Your IP address is also recorded through our server logs to determine Internet traffic demographics.

Cookies. The Web Site uses cookies within certain areas of the Web Site that are driven by PHP or CGI scripts. These cookies are to display dynamic information and search results throughout the Web Site. These cookies expire when you complete your online session at our Web Site.

Advertisers/Cookies. Site Owner uses outside ad companies to display banner ads on our site. These ads may contain cookies. Cookies received with ads are collected by our ad providers, and we do not have access to this information.

Financial Information. UNDER NO CIRCUMSTANCES is financial information collected on this Web Site. Providers may collect financial information and it is your responsibility to ensure that such financial information is collected on a secure server (https) and that the Provider web site disclosures all privacy and refund information relevant to the collection of your financial information.

Email/Customer Service. Email addresses may be collected through the newsletter, customer service button or through direct email. Email addresses are not sold or given to third parties. The newsletter provides a double opt-in feature, meaning that a subscriber must first confirm that he or she subscribed using the email address provided. Each newsletter contains a "unsubscribe," or opt-out link so that a subscriber can unsubscribe immediately.

External Links. This Web Site contains links to other sites. Site Owner is not responsible for the privacy practices or the content of such web sites.

Contacting the Web Site. If you have any questions about this privacy statement, the practices of the Web Site, or your dealings with the Web Site, you can contact Site Owner as follows:

webmaster@bankruptcy-filing.com

Post Office Box 1945, Show Low, Arizona 85902

Fax: 206-309-0848

A Special Note About Children.  Children are not eligible to use our services unsupervised and we ask that children (under the age of 14) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians.

Acquisition or Changes in Ownership.  In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.

Privacy Policy Modifications.  Site Owner may change this Privacy Policy from time to time. If/when changes are made to this privacy policy, we will email users who have given us permission to do so. Site Owner will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.