DISCLAIMER: FOR EDUCATIONAL AND NOVELTY PURPOSES ONLY

By purchasing or using any of our products or services, you expressly acknowledge and agree to be bound by all applicable local, state, and federal laws. Our products and services are not intended for, nor may they be used for, any unlawful, fraudulent, or deceptive purpose. If you do not agree to these terms, you must immediately cease all use of our products and return any purchased materials for a full refund within 24 hours. All sales are final, and we do not offer any refunds after 24 hours.

COMPLIANCE WITH LAWS

By purchasing any of our products or services, you agree to comply with any and all state and federal laws governing the usage of such products or services. It is your sole responsibility to understand and adhere to the laws applicable to your jurisdiction. Any misuse or unlawful application of our products or services is strictly prohibited, and you assume all liability for any consequences resulting from noncompliance.

AFFIRMATION OF LEGAL RESPONSIBILITIES

· You understand that you are legally responsible for any debt you incur using a Credit Privacy Number (CPN).

· You are required to disclose to any financial institution, lender, or requesting entity that you are using a CPN in place of a Social Security Number (SSN).

· Any products or services provided by us are strictly for novelty and entertainment purposes. These documents must not be used for fraudulent misrepresentation, obtaining credit under false pretenses, or engaging in deceptive financial practices.

· Our products and services are not a means to avoid paying debts. If you create a debt, you are responsible for repaying it.

· We do not support, facilitate, or condone fraudulent activity. Any misuse of our products or services is solely at your own risk and discretion.

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NO LEGAL REPRESENTATION OR ADVICE

We are not attorneys and do not provide legal advice. Any information provided is for educational purposes only and should not be interpreted as legal, financial, or professional advice. We strongly encourage you to consult an independent legal professional before using any of our products or services.

LIMITATION OF LIABILITY AND INDEMNIFICATION

By purchasing or using our products or services, you agree to indemnify, defend, and hold harmless our company, its owners, affiliates, officers, agents, and employees from any and all claims, liabilities, damages, losses, costs, and expenses (including attorneys' fees and court costs) arising from:

· Your use or misuse of our products or services;

· Any violation of applicable law or regulations resulting from your use of our products or services;

· Any fraud, misrepresentation, or unlawful activity in which you engage;

· Any third-party claims arising from your actions.

Under no circumstances shall we be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to the use of our products or services.

PROHIBITED BUSINESS ACTIVITIES

We do not engage in, promote, or condone the following activities:

· Concealing adverse credit information from credit reports or financial institutions through the use of a CPN, EIN, TIN, or any alternative identifying number in place of a legally assigned Social Security Number.  Falsely representing that applying for credit using a CPN, EIN, or TIN in place of an SSN is legal or a method for creating a "new credit identity."

· Misrepresenting our products or services as a way to improve credit scores, consolidate debt, obtain loans, or arrange credit extensions. Providing misleading or deceptive information that may influence a consumer’s decision to purchase our products or services.

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We emphasize that "CPNs" are defined as any nine-digit number that may be used for credit purposes, including SSNs, ITINs, TINs, and EINs. We do not claim that CPNs are a lawful substitute for an SSN, nor do we endorse their use for any deceptive or fraudulent purpose.

FINAL ACKNOWLEDGMENT

By purchasing, using, or otherwise engaging with our products and services, you affirm that:

1. You have read, understood, and agreed to the terms outlined herein.

2. You accept full legal and financial responsibility for your actions.

3. You will not hold our company liable for any consequences, whether civil or criminal, arising from your use of our products or services.

4. If you do not accept these terms, you must immediately cease all use of our products and return any purchased materials for a full refund within 24 hours. All sales are final, and we do not offer any refunds after 24 hours.

This disclaimer is prominently displayed on our website and serves as your express acknowledgment of these terms and conditions.