OPMcredit.com Terms of Use

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This site is operated by Pixel Productions, Inc. 869 E. 4500 S. #370, Salt Lake City, Utah 84107. You may contact us at garyzac@msn.com The information provided on www.OPMCredit.com is not inteded to provide specific investing, financial, commercial, tax or legal advice. The information provided is not for the purposes of resale, redistribution, or any type of public display or performance, or any other uses. The information contained on this site is for you own personal use. If you use this site or download information or digital files from this site, you agree to and accept the following terms, conditions, and notices which we reserve the right to change, update, and revise these terms of use at any time, at our sole discretion. Please check back to review any updated terms.

1. You agree not to use this site or any information contained on this site for any unlawful purpose.

2. You acknowledge and agree that any content and materials available on this site including but not limited to wording, color and graphics, designs, html coding, digital files, downloads, systems, colors and graphics, and e-books are considered intellectual property and are proprietary trade secrets protected by copyrights, trademarks, service marks, patents, or any other applicable proprietary rights and laws. The use of this content and materials for any other purpose is strictly prohibited unless you have written permission from Pixel Productions, Inc. and you further agree that you will not create any derivative works from this site or the products offered here.

3. Pixel Productions, Inc. and it's officers and affiliates, make no warranties of any kind, either express or implied, concerning the materials of this site, and there is no warranty that transmission of materials will be error free. Efforts have been taken to test products using anti-virus and anti-spyware software but there is no warranty that any transmission will be free of viruses or other problems associated with downloads and the installation of downloaded software in your personal computer. By downloading from this site or any associated or affiliated site, you accept and assume all risks associated with the internet and transmissions made by internet, including any necessary repair or service to your computer and any associated costs and you also agree to waive any claim whatsoever against Pixel Productions, Inc, it's officers, employees, and affiliates, which arise from your use of this site or its related products or services, whether intended or not, of any other site and specifically includes any claim arising from any product or service which you purchase from any site other than www.OPMCredit.com, or any claim arising from security of information, including credit card information which you use to purchase products from this site by using any credit card processing company. Pixel Productions, Inc, it's officers, employees, and affiliates, assume no responsibility from any content which you find on sties that link either to or from this site. This includes responsibility for the accuracy or compliance with any laws and for any viruses or other harmful things which may be contained in these sites, and you agree that Pixel Productions, Inc, it's officers, employees, and affiliates are not responsible should any site linked to or from be considered offensive by you.. Further, Pixel Productions, Inc, it's officers, employees, and affiliates shall not be liable in any way for any special or consequential damages resulting from your use of the site or being unable to use the site or materials which you have downloaded from the site, including but not limited to, negligence. You agree that any finding of damages shall not exceed and shall be limited to the cost of any material or service, downloaded or otherwise, which you may have purchased from the site or from Pixel Productions, Inc, it's officers, employees, and affiliates, in the event that any applicable laws may not fully allow all of the limitations of liability described herein.

4. You understand that by entering your name and e-mail address on the entry page that you are subscribing to a free, no obligation newsletter on related subject matter and that this newsletter is offered as a free newsletter by Pixel Productions, Inc. and that no purchase is necessary, nor is any specific product or service, interpreted to be or promised to be free. At the bottom of each newsletter there is an Unsubscribe link which you can use at any time to unsubscribe from the newsletter. Or, you can reply to any newsletter or e-mail you have received from us to make an Unsubscribe request or by regular mail to: Pixel Productions, Inc. 869 E. 4500 S. #370, Salt Lake City, Utah 84107. Please allow time for the mail to be received and your request to be processed if you choose the mail notification. By entering your name and e-mail address, you agree that you have opted-in and subscribed to the newsletter and agree that you will manage your subscription and that in the event you are unhappy with or no longer need the newsletter information, that you will simply take the above steps to unsubscribe and that the steps to described to unsubscribe fromt he newsletter are reasonable and do not involve any personal, emotional, or financial harm or otherwise.

5. You also agree to our policy and that any material or service purchased, downloaded or otherwise will be replaced or exchanged only if found to be defective. You also agree that any exchange or refund consideration will be at the sole discretion of Pixel Productions, Inc.due to the informational nature of the products which are purchased.

6. This website is not intended for individuals under the age of 18 and that by entering this site you are representing that you are over the age of 18.