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Who We Are:

Millennial Credit Advisers.com is a Credit Advisers of America, INC subsidiary registered in Oklahoma City. Millennial Credit Advisers understands that your privacy is important and that you care about how your information is used and shared online.

Our site only collects and uses information in ways consistent with your rights and our obligations under the law. Namely, data is processed:

• When you give specific and express consent for us to do so
• When necessary for the performance of a contract, where you are a party to that contract (for example, if you buy something, we will need to collect payment and delivery information to deliver that product to you)
• When necessary for compliance with a legal obligation
• When required to protect the vital interest of the data subject (you) or another natural person
• When necessary for the legitimate interests we pursue, except where your interest or fundamental rights and freedoms override such interest.

This Policy applies to our use of any data collected concerning your use of our site.
Please be sure to carefully read this Privacy Policy and ensure that you understand it.

YOU ARE CONSIDERED TO HAVE ACCEPTED OUR PRIVACY POLICY WHEN YOU FIRST USED OUR SITE. If you disagree, you must stop using our site and accept our privacy policy.

Using our site, you certify that you are an adult, at least 18 years of age.
What personal data do we collect, and why do we collect it

Personal Information Collected on this Website
No personally identifiable information is collected on this website from persons who browse our website. The only personally identifiable information collected on this website is gathered in our comment area and on specified signup forms, where fields are provided so that you can provide your name and email address to leave a comment or receive a download, newsletter, or other emails on updates, giveaways, or other offers. We collect this information so that we can respond to the comments or questions that you post.
Please see the table below for additional details on how we collect and use personally identifiable information.

Anonymous Information Collected on this Website
We record anonymous data. Most of the information we collect from this website is anonymous, such as the pages you visit. Other anonymous data we may collect include the name of your internet service provider, the website you used to link to our site, other interests you have, basic demographic information, the websites you visit from our site, and your IP address. The data is used for statistical purposes only, but you remain anonymous as the individual user. We use this anonymous information to help improve the content of this site and to compile aggregate statistics about individuals using our site for internal market research purposes.
Please see the table below for additional details on collecting and using anonymous information.

Cookies
Cookies are small text files placed on your computer or device by our site when you visit certain parts of our site.
When you visit our website, we may assign your computer one or more cookies to facilitate access, personalize your online experience, and record information about your visit.
Using a cookie, we also may automatically collect information about your online activity on our website, such as the web pages you visit, the links or advertisements you click on, and other actions you take while on our website.
The cookies do not store any Personally Identifiable Information (PII) about you.

Most browsers automatically accept cookies, but you can modify your browser setting to decline cookies.

If you choose to decline cookies, please note that some of the features and services of our website may not function properly. We also use cookies for purposes such as maintaining continuity during an online session, gathering data about the use of our site, monitoring online promotions, and anti-fraud and information security purposes.
We may allow third parties, advertising companies, and ad networks (“Advertisers”) to display advertisements on our website. Advertisers may use tracking technologies like cookies to collect information about users who view or interact with their advertisements.
Our website does not provide any PII to these Advertisers. Still, they may collect information about where you, or others using your computer, saw and clicked on the advertisements they delivered and possibly associate this information with your subsequent visits to the advertised websites. They also may combine this information with personal information they collect directly from you. The collection and use of that personal information is subject to the particular Advertiser’s privacy policy.

Embedded content from other websites
Articles on this site may include embedded content (e.g., videos, images, articles, etc.).
Embedded content from other websites behaves like the visitor has visited another website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Links to Other Sites
Our website does contain links to affiliates and other websites. Our site does not claim nor accept responsibility for other websites’ privacy policies, practices, and procedures. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. The Privacy above Policy Agreement applies only and solely to the information collected by our website.
Through affiliate links, identifying information may be carried over to an outside site to show that you visited that site from our site to ensure proper commissions are issued.
Who do we share your data with

We contract with the third parties listed in the table above to supply products, services, and a good user experience on our behalf. These include payment processing, delivery of goods, search engine facilities, advertising, and marketing.

In some cases, these parties may require access to some or all of your data. When that is the case, we take all reasonable steps to ensure that your data will be handled safely, securely, and by the law.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This allows us to automatically recognize and approve any follow-up comments instead of holding them in a moderation queue.

For users who register on our website, we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

Information collected using Google Analytics is retained for 26 months.

Information submitted through forms, such as email or contact forms, is retained until the data subject chooses to unsubscribe or invokes their right under GDPR to be forgotten.

What rights do you have over your data?

If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us.

You can also request that we erase any personal data we hold about you. This does not include any data we must keep for administrative, legal, or security purposes.

Similarly, suppose you have subscribed to our email list. In that case, you can unsubscribe anytime and request that the site administrator erase all personal data obtained via our email marketing service.

Rights of California Residents

If you reside in California, California Law (CCPA) gives you the right to ask if we sell or disclose your personal information to third parties.

We do not sell your personal information to third parties for others’ direct marketing. We have not sold your personal information in the past. California law also gives you the right to opt out of such sales.

Where do we send your data?

Visitor comments may be checked through an automated spam detection service.

How to contact us
If you have any questions or concerns regarding our site or this privacy policy, please contact us at [email protected].

Changes to our privacy policy

We may change this privacy policy as necessary, occasionally, or as required by law. Any changes will be posted on our site, and you will be deemed to have accepted them on your first use of our site following alterations. You should check this page regularly to ensure you are current.

Terms & Conditions Template

By using millennialcreditadvisers.com, YOU ARE CONSENTING TO OUR TERMS AND CONDITIONS AS OUTLINED BELOW.
To also review our privacy policy, please click here:
Terms
By accessing this website, you agree to be bound by its Terms and Conditions of Use and all applicable laws and regulations. You are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Millennial Credit Advisers’s website for personal, non-commercial transitory viewing only.

• This is the grant of a license, not a transfer of title, and under this license, you may not:
• use the materials for any commercial purpose or any public display (commercial or non- commercial);
• attempt to decompile or reverse engineer any software contained on Millennial Credit Advisers’s website;
• remove any copyright or other proprietary notations from the materials or
• transfer the materials to another person.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Millennial Credit Advisers at any time. Upon terminating your viewing of these materials or termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

To access or use the Site, you must be 18 or older and have the requisite power and authority to enter into these Terms and Conditions. Children under 18 are prohibited from using the Site.

Information provided on the Site and Services related to membership sites and other information are subject to change. [email protected] makes no representation or warranty that the information provided, regardless of its source (the “Content”), is accurate, complete, reliable, current, or error-free.

Revisions and Errors
The materials appearing on Millennial Credit Advisers’s website could include technical, typographical, or photographic errors. Millennial Credit Advisers does not warrant that any of the materials on its website are accurate, complete, or current. Millennial Credit Advisers may change the materials on its website at any time without notice. Millennial Credit Advisers does not, however, make any commitment to update the materials.

Site Terms of Use Modifications
Millennial Credit Advisers may revise these terms of use for its website without notice. By using this website, you agree to be bound by the then-current version of these Terms and Conditions of Use.

Governing Law
Any claim relating to Millennial Credit Advisers’s website shall be governed by the laws of the State of Oklahoma City without regard to its conflict of law provisions.

Mandatory Arbitration. Any dispute or controversy arising out of or relating to any interpretation, construction, performance, termination, or breach of these Terms & Conditions will be settled by final and binding arbitration by a single arbitrator to be held in Oklahoma City, Oklahoma, by the American Arbitration Association national rules for resolution of employment disputes then in effect, except as provided herein. The arbitrator selected shall have the authority to grant any party all remedies otherwise available by law, including injunctions, but shall not have the power to grant any remedy that would not be available in a state or federal court. The arbitrator shall have the authority to hear and rule on dispositive motions (such as motions for summary adjudication or judgment). The arbitrator shall have the powers granted by Oklahoma City law and the rules of the American Arbitration Association, which conducts the arbitration, except as modified or limited herein.

Account Creation
To use the services and products offered on the website, you must provide information about yourself, including your name, email address, username and password, and other personal information.
You agree that any registration information you give to us will always be accurate, correct, and up to date. You must not impersonate someone else or provide account information or an email address other than yours. Your account must not be used for any illegal or unauthorized purpose. You must not violate any laws in your jurisdiction in using the service or product.

Lawful Purposes
You may use the Site, Service, and products for lawful purposes only. You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site.
You agree to use the Site and to purchase services or products through the Site for legitimate, non-commercial purposes only.
You shall not post or transmit through the Site or social media groups managed by the site or Millennial Credit Advisers any material that violates or infringes the rights of others or which is threatening, abusive, defamatory, libelous, invasive of privacy or publicity rights, vulgar, obscene, profane, or otherwise objectionable, contains injurious formulas, recipes, or instructions, which encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any law.

Refusal of Services/Products
The Services and products are offered subject to our acceptance of your order or requests. We reserve the right to refuse service to any order, person, or entity without the obligation to assign a reason. No order is deemed accepted by us until payment has been processed. We may change or discontinue any aspect or feature of the Site, Product, or Service at any time, subject to us fulfilling our previous responsibilities based on acceptance of your payment.

Duration of Agreement
Once confirmed, we will provide you access to the purchased Service or product. You agree and understand that access to the Service/product may sometimes be influenced and affected by third parties we use to provide the Service (web hosting, membership site plugins, etc.). You agree and understand that no breach of contract action may be initiated against [email protected] when there are reasonable delays in accessing the Service or product.
Millennial Credit Advisers reserves the right to terminate the Service or product and access certain features of the Service or product with or without prior notice to you. We will make reasonable efforts to provide notice but are not required to do so under the terms of this agreement.
Lifetime Access is for the lifetime of the Service or product. If [email protected] should dissolve or cease to exist for any reason, then your access to the Service or product terminates.

Cancellations & Refunds
We do not offer a money-back guarantee due to the high quality of our content should you be unhappy with the Service or product. Please get in touch with support at [email protected].

Changed Terms
We may amend these Terms and Conditions at any time. Such amendments are effective immediately upon notice by us posting the new Terms and Conditions on this Site.
Any use of the Site or Service by you after being notified means you accept these amendments.
We reserve the right to update any portion of our Site and Service, including these Terms and Conditions, at any time. We will post the most recent versions to the Site and list the effective dates on our Terms and Conditions pages.

Waiver
No waiver of any of the provisions of this Agreement by [email protected] shall be deemed or shall constitute a waiver of any other provision, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by Millennial Credit Advisers.

Severability
Suppose an arbitrator or court of competent jurisdiction holds any term, provision, covenant, or condition of this Agreement to be invalid, void, or unenforceable. In that case, the rest of the Agreement shall remain in full force and effect and will not be affected, impaired, or invalidated.

Professional Disclaimers & Disclosures

Professional Disclaimers
Disclaimer: Millennial Credit Advisers is not a licensed credit data reseller, credit repair organization, credit counselor, debt management company, debt settlement company, or any other organization offering advice on improving or repairing credit. We are not attorneys, financial advisors, or credit reporting agencies. If you want to improve your finances and credit or increase your credit score. Take steps today to educate yourself on ways to grow your savings, reduce debt, and enhance your credit history or scores. Learn about credit reports and scores and the financial products that allow you to enter into the credit system and how they work. Contact your financial advisor for more ways to save and remember to track your progress, and you, too, can have a more positive credit experience.

Attorney
I am not an attorney, and nothing on this website, downloads, or products available are to be construed as creating an attorney-client relationship. Additionally, nothing on this site or available resources is considered legal advice. Content and resources provided on this site are meant for educational and informational purposes only. The author is not liable for any losses or damages related to actions or failure to act related to the content on this website. Consult an attorney specializing in your subject matter and jurisdiction if you need specific legal advice.

Credit Professional
While having financial certification and professional knowledge of the credit reporting reseller industry, I am not a credit data reseller, credit repair organization, credit counselor, debt management company, debt settlement company, or any other organization offering advice on improving or repairing credit or credit reporting agencies. The information on this website, downloads, products, or emails is provided only for informational and educational purposes. The author is not liable for any losses or damages related to actions or failure to act related to the content on this website. The contents of this website and the posting and viewing of the information should not be construed as, and should not be relied upon for, tax advice in any particular circumstance or fact situation.

Financial Advisor
The information provided on this site is based on the credit reporting reseller’s professional certification and financial training and should not be construed as professional advice. I am not a financial advisor, planner, or CPA. Furthermore, the contents of this site and the resources provided are for informational and entertainment purposes only and do not constitute financial, accounting, or legal advice. The author is not liable for any losses or damages related to actions or failure to act related to the content on this website.

Testimonials
I PRESENT CASE STUDIES AND TESTIMONIALS ABOUT OTHER PEOPLE’S EXPERIENCES WITH MY WEBSITE, PRODUCTS, AND SERVICES FOR EXAMPLE PURPOSES ONLY. THE TESTIMONIALS, EXAMPLES, AND PHOTOS USED MAY CONTAIN ACTUAL CLIENTS AND CUSTOMERS.

TESTIMONIALS AND CASE STUDIES ARE NOT INTENDED TO REPRESENT OR GUARANTEE THAT CURRENT OR FUTURE INDIVIDUALS, CUSTOMERS, STUDENTS, OR CLIENTS WILL ACHIEVE THE SAME OR SIMILAR RESULTS; RATHER, THEY REPRESENT WHAT IS POSSIBLE FOR ILLUSTRATIVE PURPOSES ONLY.

Financial Disclaimer
ANY PRESENTATION OF TESTIMONIALS AND CASE STUDIES ABOUT MY or OTHER’S EXPERIENCE WITH MY WEBSITE, PRODUCTS, AND SERVICES ARE FROM ACTUAL CUSTOMERS AND CLIENTS AND ARE SHOWN AS EXAMPLES OF WHAT IS POSSIBLE FOR INFORMATIONAL PURPOSES ONLY.

SEVERAL FACTORS DETERMINE AN INDIVIDUAL/CLIENT/CUSTOMER/STUDENT’S SUCCESS, SUCH AS HARD WORK AND TIME AS SUCH I CAN IN NO WAY GUARANTEE THAT CURRENT OR FUTURE CUSTOMERS/CLIENTS/STUDENTS WILL ACHIEVE THE SAME OR SIMILAR RESULTS AS PREVIOUS CLIENTS/CUSTOMERS/ STUDENTS, AGAIN THE EXAMPLES, CASE STUDIES, AND TESTIMONIALS, ARE SIMPLY ILLUSTRATIVE OF WHAT IS POSSIBLE.

The use of our information, products, and services should be based on your due diligence, and you agree that Millennial Credit Advisers and advertisers or sponsors of millennialcreditadvisers.com are not liable for any success or failure of your results.

Disclaimer
Millennial Credit Advisers’ website materials are provided ‘as is.’ Millennial Credit Advisers makes no warranties, expressed or implied, and at this moment disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Millennial Credit Advisers does not warrant or make any representations concerning the accuracy, reliability, or likely results of using the materials on its website or otherwise relating to such materials or any sites linked to this site.

Limitations
In no event shall Millennial Credit Advisers or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit or due to business interruption) arising out of the use or inability to use the materials on Millennial Credit Advisers’s site, even if Millennial Credit Advisers or a Millennial Credit Advisers authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Links
millennialcreditadvisers.com has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. Including any link does not imply endorsement of the site by Millennial Credit Advisers. Use of any such linked website is at the user’s own risk.

Limitation of Liability
YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR ANY OTHER DAMAGES ARISING OUT OF YOUR USE OF THE SITE
OR SERVICE. ADDITIONALLY, millennialcreditadvisers.com IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH:

ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE;

LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; AND

THIRD-PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF YOUR INFORMATION OR PROPERTY, REGARDLESS OF OUR NEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE, AND WHETHER SUCH LIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGAL LIABILITY.

THE preceding APPLIES EVEN IF millennialcreditadvisers.com HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES. IN THOSE STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITY IS LIMITED TO THE FULLEST POSSIBLE EXTENT
PERMITTED BY LAW. IN NO EVENT SHALL Millennial Credit Advisers CUMULATIVE LIABILITY TO YOU EXCEED THE TOTAL PURCHASE PRICE OF THE SERVICE OR
PRODUCT YOU HAVE PURCHASED FROM millennialcreditadvisers.com, AND IF NO PURCHASE HAS BEEN MADE BY YOU millennialcreditadvisers.com CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED $100.

Indemnification
You shall indemnify and hold us harmless from and against any losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third-party claims and causes of action, including, without limitation, attorney’s fees arising out of any breach by you of any of these Terms and Conditions, or any use by you of the Site, Product, or Service. You shall provide us with such assistance, without charge, as we may request in connection with any such defense, including, without limitation, providing us with such information, documents, records, and reasonable access to you as we deem necessary. You shall not settle any third-party claim or waive any defense without our written consent.

Sponsored Content Disclosure
THIS POST IS IN PARTNERSHIP WITH . MEANING I RECEIVED FREE PRODUCT OR COMPENSATION. ALL VIEWS AND OPINIONS ARE MY OWN. KNOW THAT I ONLY POST ABOUT SITES AND PRODUCTS THAT I THINK WOULD BE IMMENSELY HELPFUL AND THAT I HAVE USED MYSELF.

Affiliate Disclosure
Millennial Credit Advisers.com contains affiliate links. This means Millennial Credit Advisers.com receives commissions for purchases made through those links at no cost to you. Please understand that we have experience with all of these companies, and we recommend them because they are helpful and valuable, not because of the small commissions we make if you decide to buy something.

Accessibility Statement

Millennial Credit Advisers.com is committed to providing all users, including those with disabilities, full and equal access to our website. We are committed to ensuring international compliance with web accessibility laws and policies, including, but not limited to, the Americans with Disabilities Act (“ADA”), and to improving everyone’s user experience on our website, Makingsenseofcents.com by implementing the Web Content Accessibility Guidelines (“WCAG”), accessibility standards developed in collaboration with individuals and organizations worldwide through the World Wide Web Consortium (“W3C”) process, to provide a single shared standard for web content accessibility that meets the needs of individuals, organizations, and governments worldwide.

We have made a genuine effort and commitment to follow best practices for ADA compliance, including auditing and testing our website for accessibility. Please be aware that our efforts to meet current WCAG guidelines are ongoing as we incorporate the necessary accessibility widgets and improvements to make our website as accessible and user-friendly as possible.

This website is designed to be compatible with assistive technologies and the most recent two major browser versions. Some aspects of the website may not display optimally in Internet Explorer 10, 11, or older browsers. The website is not intended for Internet Explorer 9 or earlier versions.

Disclaimer

We have no control over using a Widget or any other third-party add-ons or “plugins” on our website. These may or may not work for every user and every type of disability. We have no control over the structure of these plugins and cannot modify them at all or to the extent necessary to accommodate every user of our website. We are not responsible for those elements over which we have no control. You use these third-party widgets or plugins entirely at your own risk.

We have made reasonable efforts to make our website accessible by standard business practices; however, if you believe that some content, features, or processes could be improved, we welcome your feedback. If you have any questions or concerns, please contact us at [email protected].