Legal CPN has posted this message in plain sight on the front page of our webpage so consumers can be aware "CPN's" are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.

IT IS OUR STATEMENT THAT LEGAL CPN IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase our products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase our products or services.

While using Legal CPN.Com, you will not:

Post content or items on the web site; Violate any laws, third party rights, or our policies; Use the web site if you are not able to form legally binding contracts, or are under the age of 18; fail to deliver payment services purchased by you; circumvent or manipulate our fee structure, the billing process, or fees owed to Legal CPN.Com; Post false, inaccurate, misleading, defamatory, or libelous content (including personal information) on the web site; transfer your Legal CPN.Com account to another party without our consent; distribute or post spam, chain letters, or pyramid schemes on the web site; Distribute viruses or any other technologies that may harm Legal CPN.Com, or the interests or property of Legal CPN.Com users; copy, modify, or distribute content from the web site or Legal CPN.Com copyrights and trademarks; or, harvest or otherwise collect information about users, including email addresses, without their consent. Legal CPN.Com works to keep the web site working properly and its customers safe. Please report problems, offensive content, and policy violations to us.

Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, delay or remove hosted content, if any, and take technical and legal steps to keep users off the web site if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts or accounts that have been inactive for a long time.

Fees and Services

To join Legal CPN.Com you must first sign a contract with Legal CPN.Com. We do charge fees for using our services. The fees for our services are set forth on our web sites and in the contract. Legal CPN.Com reserves the right to change its fees for both new and existing customers. However, fee changes are only effective as of the date a new customer signs a contract or an existing customer renews a contract with Legal CPN.Com. We may choose to temporarily change the fees for our services for promotional events or new services. Such temporary changes are effective when we post the temporary promotional event or new service on the web site.

Unless otherwise stated, all fees are quoted in U.S. Dollars. You are responsible for paying all fees and applicable taxes, if any, associated with our services in a timely manner with a valid payment method. If your payment method fails or your account is past due, we may collect fees owed using other collection mechanisms. These collection mechanisms include, but are not limited to: charging other payment methods on file with us, or retaining collection agencies and legal counsel to collect any amounts due from you.

Limitation of Liability

You will not hold Legal CPN.Com responsible for other users' actions or inactions, including things they post. You acknowledge that we are not a traditional service provider. Instead, this web site is a venue to allow a customer an alternative method to improve that customer’s credit score but primarily establish a new personal business with a real business structure and all messiest that apply. To the best knowledge, information and belief of Legal CPN.Com, the services offered by Legal CPN.Com have not been deemed illegal, deceptive or fraudulent by any court or administrative agency having jurisdiction over the services provided by Legal CPN.Com. By using our services, a customer assumes all risk that these services offered by Legal CPN.Com may be declared illegal, deceptive or fraudulent by a court or administrative agency having jurisdiction over the services provided by Legal CPN.Com.

If the services provided by Legal CPN.Com are declared illegal, deceptive or fraudulent by a court or administrative agency having jurisdiction over those services, then Legal CPN.Com reserves the right to immediately terminate any or all contracts with any or all customers; and, to immediately modify or cease its operations based on scope of the decision of that court or administrative agency. Nothing in this User Agreement shall adversely alter or affect the governing provisions of the Michigan Consumer Protection Act.

Furthermore, while Legal CPN.Com has taken available precautions to protect its web site, Legal CPN.Com cannot, and does not, guarantee absolutely continuous or secure access to our web site. Operation of the web site may be interfered with by numerous factors outside of our control. Accordingly, to the extent legally permitted, we exclude all implied warranties, terms, and conditions. We are not liable for any loss of personal information that may result from the acts of third parties, or any special, indirect, or consequential damages arising out of your use of our web site. To the extent that Michigan may not allow the disclaimer of warranties or the exclusion of damages, then any such disclaimers and exclusions may not apply to you.

Regardless of the previous paragraph, if we are found to be liable for damages to you by a court or administrative agency having jurisdiction over our services, then our liability to you, or to any third party claiming damages through or on account of you, is limited to the total fees you paid to us under your current contract with us.

Release

Except as otherwise provided for in this User Agreement, you irrevocably release Legal CPN.Com, its agents, directors, employees, and officers from all claims, demands and damages, including but not limited to: actual, consequential, indirect, and special damages of every kind and nature, known and unknown, arising out of your use of our services. If you are a Michigan resident, you waive any applicable provision of Michigan law, to the extent authorized by Michigan, which holds that a general release is not enforceable.

Access and Interference

You agree that you will not use any robot, spider, scraper or other automated means to access the web site for any purpose without our prior, express, written consent.

Additionally, you agree that you will not:

take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our infrastructure; copy, reproduce, modify, create derivative works from, distribute, or publicly display any content (except for your information) from the web site without the prior, express, written consent of LegalCPN.Com and any appropriate or necessary third party; interfere or attempt to interfere with the proper working of the web site or any activities conducted on the web site; or, Bypass any measures we may use to prevent or restrict access to the web site. Privacy

The protection of your privacy is a fundamental principle of Legal CPN.Com. We will not sell or rent your personal information to third parties for their marketing purposes without your prior, express, written consent. We use your information only as described in your contract and this User Agreement. We store and process your information on computers located in the United States that are protected by physical as well as technological security devices. If you object to your information being stored, transferred, or used in this way please do not use our services.

Indemnity

You will indemnify and hold Legal CPN.Com, its agents, directors, employees, and officers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this User Agreement, or your violation of any law or the rights of a third party. No agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created between you and Legal CPN.Com by this User Agreement.

Notices

Unless expressly stated otherwise, legal notices shall be served: on Legal CPN.Com registered agent at its registered office; or, on you at the last known street address that you provided to Legal CPN.Com during the registration process. A written notice shall be deemed successfully delivered three (3) business days after the date the written notice was placed in the United States mail, postage prepaid.

Resolution of Disputes

If a dispute arises between you and Legal CPN.Com, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and Legal CPN.Com agree that we will resolve any claim or controversy at law or equity that arises out of this User Agreement or our services (a "Claim") in accordance with one of the subsections below or as we and you otherwise agree in writing. Before resorting to these alternatives, we strongly encourage you to first contact us directly to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.

Law and Forum for Disputes

This User Agreement shall be governed in all respects by the laws of the state of Michigan as they apply to agreements entered into and to be performed entirely within Michigan between Michigan residents, without regard to conflict of law provisions. You agree that any claim or dispute you may have against Legal CPN.Com must be resolved by a court located in the State of Michigan except as otherwise agreed to by the parties or as described in the Arbitration Option paragraph below. You agree to submit to the personal jurisdiction of the courts located within the State of Michigan for the purpose of litigating all such claims or disputes.


Arbitration Option

For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $15,000, the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, that party shall initiate such arbitration through an established Alternative Dispute Resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration may be conducted in person, by telephone, online, and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration does not need to not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed to by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.


Improperly Filed Claims

All claims you bring against Legal CPN.Com must be resolved in accordance with this Resolution of Disputes section of this User Agreement. All claims filed or brought contrary to the Resolution of Disputes section of this User Agreement shall be considered improperly filed. If you file a claim contrary to the Resolution of Disputes section of this User Agreement, then Legal CPN.Com may recover attorneys' fees and costs incurred by Legal CPN.Com, provided that Legal CPN.Com has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim. Amendments Legal CPN.Com reserves the right to amend or change this User Agreement or any part of this User Agreement. Any amendment or change is effective when we post that amendment or change on our web site.


Additional Terms

If any provision of this User Agreement is held to be invalid or unenforceable by a court of competent jurisdiction, then that provision shall be struck and the remaining provisions of this User Agreement shall be enforced without reference to that provision. In our sole discretion, we may assign this User Agreement in accordance with the Notices section hereof. The headings used in this User Agreement are for reference purposes only and do not limit the scope or extent of a section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee we will take action against all breaches of this User Agreement. When using particular services on the web site, you are subject to any posted policies or rules applicable to the services you use through the web site. These policies or rules may be posted from time to time. All such policies or rules are hereby incorporated into this User Agreement. The following sections of this User Agreement shall survive any cancellation, expiration, or termination of this User Agreement: Fees and Services (with respect to fees owed for our services), Release, Limitation of Liability, Indemnity, and Resolution of Disputes.

This User Agreement, Disclaimer and any contract signed by you with Legal CPN.Com, set forth the entire understanding and agreement between the parties with respect to the subject matter hereof.  The following User Agreement, in conjunction with the Disclosure Agreement and your written contract with Legal CPN.Com, describes the terms and conditions under which Legal CPN.Com offers you access to our services. By using the services of Legal CPN.Com, you agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in your written contract with Legal CPN.Com.

Before you may become a subscriber of Legal CPN.Com, you must read and accept all of the terms and conditions in, and linked to, this User Agreement and the Disclaimer.  We strongly recommend that you read this User Agreement in its entirety. This Agreement is effective as of August 1, 2007, for current users, and upon acceptance for new users using Legal CPN.Com

Privacy Policy
    

Information Collection, Use, and Sharing
 
We are the sole owners of this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.



Your Access to and Control Over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

     1) See what data we have about you, if any. 
     2) Change/correct any data we have about you.
     3) Have us delete any data we have about you.
     4) Express any concern you have about our use of your data.

 

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via email at legalcpn@legalcpn.com.

Registration

In order to fully use this website and some products, a user must first complete and submit a application contract. During registration a user is required to give certain information (such as name, address, ssn, email address and other information). This information maybe used to contact you, complete your purchase or to act on your behave about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.

Orders

We request information from you on our order form. To buy from us, you must provide contact information (like name and shipping address) and financial information (like credit card number, expiration date). This information is used for billing purposes and to fill your orders. If we have trouble processing an order, we'll use this information to contact you.

Cookies

We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site. Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies.

Sharing

We share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person. We use a credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes beyond filling your order.

Links

This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Surveys and Contests

From time-to-time our site requests information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

Disclaimer

Bronze CPN $79.99

Silver CPN $119.99

Gold CPN $199.99