PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING OR OBTAINING
ANY MATERIALS, INFORMATION, PRODUCTS OR SERVICES THROUGH THIS SITE. AMFAM ("we" or "us")
offers access to and use of our site to you subject to your acceptance of these terms and conditions ("Terms").
By accessing, using or obtaining any content, data, materials, information, products or services through our
site, call center or printed materials, you agree to observe these Terms.

1. PURCHASE

Whatever product you purchase you make has it's own terms and conditions, you will find the link to these on your invoice.  Your acceptance of the invoice acknowledges your agreement to the terms.  Use of this we site is subject to all terms and conditions including these here published.

2. NOT A LOAN MODIFICATION COMPANY OR ATTORNEYS:

AMFAM, is a document preparation and educational resource organizations.  We do not give legal advise and do not negotiate with your lender in an manner.  We are not associated with the federal government or the American Reinvestment and Renewal Act. We are not a government agency. We are not associated with your lender.  -  We are a document preparation company that prepares documents for consumers.  All purchases made through our company are considered products not services.

3. CUSTOMER SUPPORT

AMFAM provides customer support Monday - Friday between the hours of 10AM - 8PM PST. You can access support by email or calling our toll free number or online support system

Our support service is worth a premium service charge, however, it is free to all of our customers. Client satisfaction is paramount to our business success and we want to do everything we can to ensure your experience with us is a pleasant and successful one. We want to ensure that the documents you purchase and educational material WORK AS INTENDED. Though we are not lawyers, do not offer legal advice in any way, are not a full service loan modification company, do not negotiate on your behalf and provide only document preparation products and education material.  We will prepare you to be successful in your request.  We have extensive industry knowledge and many strategies that work. We ask that you use our support portal as often as necessary. You can call us in emergencies and for complicated questions. Our goal is to answer all support inquiries within the same business day during business hours. Occasionally we do get a high volume of requests and our response time can run as long as 24 hours. Online support through our portal is often very fast and available 24/7/365. If you send an afterhours or weekend request, we will respond to you by the next business day or sooner. Below are some helpful hints in requesting customer support. Thank you in advance for your cooperation in submitting your support requests.


Customer Support Phone - 1-800-764-8097 or online support system
Or Go to our support pages on the web site  
 

4. REFUND POLICY

Please see the refund policy for your purchase.  We have a Guarantee for all our products

 

5. COLLECTION

You shall, In the event that affirmative action is required on the part of AMFAM to collect amount owing to us by you. Pay us all costs of collection including reasonable attorney fees. Returned checks, credit cards and charge backs are subject to the maximum allowable charges per your jurisdiction.

6. RIGHT TO REFUSE SALES

AMFAM reserves the right to refuse sales to any individual for any reason. In addition, AMFAM reserves the right to cancel a sale, membership and or subscription to any of our services at any time. If AMFAM cancels a sale, membership or subscription. AMFAM will issue a refund of any unused portion of the sale, membership or subscription pursuant to our refund policy.

7. OWNERSHIP:

We own and have copyrights on our site and all of its contents. You will not copy, reproduce, republish, upload, post, transmit, distribute, sell, transfer or modify any of the content, data, information or materials found on our site, but you may download, display and print one (1) copy of the materials presented on our site on a single computer for your personal, non-commercial use. Trademarks, logos and service marks displayed on our site ("Marks") are our, and our Providers, registered and common law Marks. Your use of and access to our site do not grant you any license or right to use any of the Marks. You will not use any robot, spider, other automatic device, or manual process to monitor materials available through our site.

8. MUTUAL RESPECT:

No Slander. Purchaser and Seller mutually agrees not to in any way, directly or indirectly, slander, defame, disparage or otherwise injure the business reputation or goodwill of each other or companies or its officers, directors, shareholders, employees, agents, affiliates products or services, regardless of the reason.

9. USE OF SITE:

You may only use our site if you are at least 18 years of age and can enter into binding contracts (our site is not available for use by minors). You are responsible for maintaining the secrecy of your passwords, login and account information. You will be financially accountable for all uses of our site by you and anyone using your password and login information.   You may not use our site: to make any false, fraudulent demand; to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law; or for any other purpose that is unlawful or prohibited by these Terms. We may, at any time and without advance notice or liability, terminate or restrict your access to all or any component of our site. We will use our reasonable commercial efforts to keep our site available on a 24-hour/7-day-a- week basis, subject to necessary scheduled downtime for maintenance, unscheduled maintenance and system outages. Your access to our site may not be uninterrupted or available at all times. We cannot promise that our site will be error-free, that defects or errors will be corrected or that our site or the servers that make it available are free from viruses or other harmful components. You will not use any device, software or routine that interferes or attempts to interfere with the normal operation of our site or take any action that imposes an unreasonable load on our computer equipment.

10. PRIVACY:

Privacy Policy:

This Privacy Policy applies to customers of AMFAM.  We will never divulge your personal information for any reason unless specifically requested by you to refer your  file to our network partners and  relationships.  You can opt-out of any offers at any time. 

AMFAM has security measures in place to attempt to protect against the loss, misuse and alteration of your data. We use physical, electronic, and procedural safeguards to protect any personally identifiable data stored on our servers. Only authorized employees have access to the information you provide us. 
 

11. LINKS:

Our site may contain links to other sites that we do not operate or control. We are not responsible for these other sites. We provide these links for your reference and convenience. We do not endorse the contents of these other sites. These links are not an indication of our association with the owners or operators of any of these other sites. You are free to access these other sites, but you do so at your own risk. You agree not to create a link from any Web site, including any site controlled by you, to our site.

12. WARRANTY DISCLAIMER:

WE MAKE NO, AND OUR PROVIDERS MAKE, NO WARRANTY OF ANY KIND REGARDING OUR SITE AND/OR ANY CONTENT, DATA, MATERIALS, INFORMATION, PRODUCTS OR SERVICES PROVIDED ON OUR SITE, FULFILLMENT AND OR OTHER MATERIALS OR FROM OUR CALL CENTER SERVICE REPRESENTATIVES, ALL OF WHICH ARE PROVIDED ON AN "AS IS" BASIS. WE EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY THAT OUR SITE, FULFILLMENT AND OR OTHER MATERIALS OR INFORMATION FROM OUR CALL CENTER SERVICE REPRESENTATIVES. WILL BE ERROR-FREE, SECURE OR UNINTERRUPTED. WE FURTHER DISCLAIM ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS AND TIMELINESS OF ANY CONTENT OR INFORMATION FOUND ON OUR SITE, FULFILLMENT AND OR OTHER MATERIALS OR FROM OUR CALL CENTER SERVICE REPRESENTATIVES. WE EXPRESSLY DISCLAIM AND OUR PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS WARRANTY DISCLAIMER MAY BE LIMITED IN ITS APPLICABILITY TO YOU.

13. LIMITATION OF LIABILITY:

WE WILL NOT BE, AND OUR PROVIDERS WILL NOT BE, RESPONSIBLE OR LIABLE FOR (A) ANY DAMAGES TO OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS THE RESULT OF YOUR ACCESS TO, USE OF OR BROWSING IN OUR SITE OR YOUR DOWNLOADING OF ANY CONTENT, INFORMATION, MATERIALS, DATA, TEXT, IMAGES, VIDEO OR AUDIO FROM OUR SITE OR (B) ANY INJURY, LOSS, CLAIM, DAMAGE, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, THAT ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH (I) ANY USE OF OUR SITE OR CONTENT, DATA, MATERIALS OR INFORMATION FOUND THEREIN, (II) ANY FAILURE OR DELAY (INCLUDING WITHOUT LIMITATION THE USE OF OR INABILITY TO USE ANY COMPONENT OF THIS SITE FOR RESERVATIONS OR TICKETING), OR (III) THE PERFORMANCE OR NON PERFORMANCE BY US OR ANY PROVIDER, EVEN IF WE HAVE BEEN OR A PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action.

If, despite the limitation above, we are or a Provider is found liable for any loss or damage which arises out of or is in any way connected with any of the occurrences described in the limitation above, then our liability and the Providers’ liability will in no event exceed, in total, the sum of US$250.00. Some states do not allow the limitation of liability, so the limitations above may not apply to you.

14. INDEMNIFICATION:

You will defend and indemnify us and any Provider and each of our officers, directors, employees and agents from and against any claim, cause of action or demand, including without limitation reasonable legal and accounting fees, brought by you or on your behalf in excess of the liability described above or by third parties as a result of your breach of these Terms or the documents made part of these Terms by reference, your violation of any law or the rights of a third party or your use of our site.

15. GENERAL:

The headings in these Terms are for your convenience and reference. These headings do not limit or affect these Terms. Your acceptance of these Terms and use of our site do not create a joint venture, partnership, employment or agency relationship with us. You may not assign, delegate or transfer your rights or obligations under these Terms. We may modify these Terms, at any time, by posting conspicuous notice on our site at least thirty (30) days before any modification becomes effective. Your continued use of our site, following the posting of conspicuous notice of any modification, will be subject the Terms in effect at the time of your use. You will review these Terms periodically. Your continued use of our site, following the posting of conspicuous notice of any modification, will be your acceptance of the modified Terms. Except as described in the preceding sentences, you and we can only modify these Terms in a written document signed or otherwise accepted by you and by us. All three month and 1 year memberships are non refundable. Other terms and conditions may apply to your reservations, bookings and purchases of travel services through our site and to your use of other portions of our site. You will observe these other terms and conditions. If we fail to act with respect to your breach or anyone else’s breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items made a part of these terms by reference, make up the entire agreement between us relating to your use of our site, and replaces any prior understandings or agreements (whether oral or written) regarding your use of our site. The laws of the State of California (USA), without regard to its conflict of laws rules, will govern these terms and conditions, as well as your and our observance of them. If you take any legal action relating to your use of our site or these Terms, you agree to file such action only in the state and federal courts located in Riverside, CA (USA). In any such action or any action we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the action, including but not limited to costs, both taxable and non-taxable, and reasonable attorneys’ fees.