Legal Disclaimer
Privacy Notice
Inertia Financial, LLC relies on financial data and chooses to provide this disclosure as do financial companies. Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect depends on the product or service you have with us. This information can include:
– Name, Social Security Number, Date of Birth, and other identifiers
– Address, e-mail address and phone number
– Information from your credit report and credit lines
– Credit card or bank account information for payment of services
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons Lexington Law chooses to share, and whether you can limit this sharing.
Reason We Share
Here’s Why!
For our everyday business purposes – such as to process your transactions, maintain your account(s), report to credit bureaus and your creditors, research, development and analysis, and to respond to court orders and legal investigations.
Can you Opt In/Out?
Yes
Opt In/Out
We will share your Personal Information with service providers and non-service providers for this purpose when you give us your consent. You may limit our sharing by declining consent when asked to do so.
Protecting Your Information
We collect your personal information, for example, when you:
– provide account-opening information or survey feedback
– give us your authorization to pull your credit report
– authorize us to contact your creditor on your behalf for credit repair
– provide us bank information for payment of services
We may supplement this information with information available from other sources, such as public databases, data aggregators, and other commercially available sources.
Protecting
your information
Federal law gives you the right to limit only:
– sharing for affiliates’ everyday business purposes – information about your creditworthiness
– affiliates from using your information to market to you
– sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Depending on where you live, you may have additional privacy protections under some state laws. We will comply with applicable state laws before sharing nonpublic personal information about you. We may do this by sending a separate notice of those rights to you.
California Residents – You have the right to know we will be collecting and maintaining personal information including credit report data to assist you with credit repair and maintenance services. We do not sell any of your personal information without obtaining your specific consent. You have the right to request the following up to two times in a 12-month period:
The categories of personal information we have collected about you in the past 12 months;
The categories of sources from which the personal information is collected;
The business or commercial purpose for collecting or selling personal information;
The categories of third parties with whom the business shares personal information;
The categories of third parties with whom the business shares personal information;
The specific pieces of personal information we have collected about you in the past 12 months;
The categories of personal information that we sold about you and the categories of third parties to whom the personal information was sold in the past 12 months, or verification that no personal information was sold;
Our Do Not Call Policy
In accordance with the Telephone Consumer Protection Act, we do not make calls to any residential or wireless telephone using an automatic telephone dialing system or an artificial or prerecorded voice unless you have provided express written consent along with the phone number to be called, or unless the law allows otherwise, such as to collect amounts due. Consumers who ask not to receive telephone solicitations from us will be placed on our Do Not Call list. Your Do Not Call request will be honored for five years from the time the request is made. To be put on our Do Not Call list, call 1 (800) 977-7022n or send an email to admin@inertiafinancial.com.
Information We Disclose
The categories of personal information we disclosed about you for a business purpose in the past 12 months, or verification that no personal information was disclosed.
We will provide the requested information within 45 days of the request in most cases. If we need additional time to complete your request, we will notify you within the first 45 days and may take an additional 45 days to complete your request. By exercising your rights, you will not be denied services, provided a lesser level or quality of service, or charged a different price for services, including through discounts, benefits, or penalties unless the price difference is reasonably related to the value provided to you by your data.
Nevada Residents – We are providing you this notice under state law. You may be placed on our internal Do Not Call List by contacting us at 1-(800)977-7022. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email: aginfo@ag.nv.gov or Inertia Financial, LLC 1150 E Eldorado Pkwy Ste 200 Little Elm, TX 75068 Phone number: 1-800-977-7022.
Terms and Conditions
Please review the following terms and conditions (“Terms of Use”) that govern your use and purchase of products (collectively, “Use”) of our Site. Your Use of our Site constitutes your agreement to follow and be bound by the Terms of Use.
THESE TERMS OF USE INCLUDE A CLASS ACTION WAIVER AND REQUIRE BINDING ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES. DETAILS ARE SET FORTH BELOW.
Site Contents
Unless otherwise noted, the design of the Site, the Site as a whole and all materials that are part of the Site (collectively, “Contents”) are copyrights, trademarks, trade dress or other intellectual properties owned, controlled or licensed by Inertia Financial, LLC or its subsidiaries and affiliates. Any use of the Contents without Inertia Financial, LLC’s express written consent is strictly prohibited.
Comments, Feedback and Other Submissions
We welcome your comments and feedback regarding our Site, our products and our services. We do not, however, accept confidential or proprietary information. Accordingly, all comments, feedback, ideas, suggestions, materials, information and other submissions disclosed, submitted or offered to Inertia Financial, LLC using this Site or otherwise (collectively, “Comments”) are not confidential and will become and remain Inertia Financial, LLC’s property. The disclosure, submission or offer of any Comments will constitute an assignment to Inertia Financial, LLC of all worldwide rights, titles and interests and goodwill in the Comments without payment of any compensation. Comments submitted by you must not violate any right of any third party, and must not contain any libelous, abusive, obscene or otherwise unlawful material.
The Contents are intended solely for your personal, noncommercial use. Music may not be copied except only as necessary to access the Site. You may copy other Contents displayed on the Site for your personal, noncommercial use only. No right, title or interest in any Contents is granted or transferred to you as a result of any such copying. Except as noted above, you may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of, or exploit in any way, any of the Contents or the Site. Unauthorized use of the Contents is expressly prohibited by law, and may result in severe civil and criminal penalties.Disclaimer, Limitation of Liability and Indemnity
EXCEPT AS OTHERWISE EXPRESSLY PROVIDED, THIS SITE, ALL CONTENTS AND ALL PRODUCTS AND SERVICES ARE PROVIDED ON AN “AS IS” BASIS. Inertia Financial, LLC DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Inertia Financial, LLC DOES NOT WARRANT THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS SITE OR ITS SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS. ALTHOUGH Inertia Financial, LLC ENDEAVORS TO PROVIDE ACCURATE INFORMATION, IT DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE ACCURACY OR RELIABILITY OF INFORMATION ON THIS SITE. YOUR USE OF THE SITE IS AT YOUR OWN RISK. NEITHER Inertia Financial, LLC NOR ITS AFFILIATED OR RELATED ENTITIES OR ITS VENDORS OR CONTENT PROVIDERS SHALL BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT OR INDIRECT LOSS, DAMAGE (WHETHER ACTUAL, CONSEQUENTIAL, PUNITIVE, SPECIAL OR OTHERWISE), INJURY, CLAIM, OR LIABILITY OF ANY KIND OR CHARACTER WHATSOEVER BASED UPON OR RESULTING FROM YOUR USE OR INABILITY TO USE THIS SITE, OR ANY INFORMATION OR MATERIALS PROVIDED ON THE SITE. Fate Skincare, LLC IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE OR ANY MATERIALS ON THE SITE, OR WITH ANY OF Inertia Financial, LLC’S TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS Inertia Financial, LLC, ITS MEMBERS, SHAREHOLDERS, OFFICERS, MANAGERS, DIRECTORS, EMPLOYEES, AGENTS, DISTRIBUTORS, VENDORS AND AFFILIATES FROM AND AGAINST ANY AND ALL THIRD-PARTY CLAIMS, DEMANDS, LIABILITIES, COSTS OR EXPENSES, INCLUDING REASONABLE ATTORNEYS’ FEES, RESULTING OR ARISING OUT OF YOUR BREACH OF ANY OF THESE TERMS OF USE. CERTAIN PROVISIONS OF THE FOREGOING PARAGRAPH MAY NOT APPLY TO CONSUMERS WITHIN THE STATE OF NEW JERSEY OR IN OTHER JURISDICTIONS WHERE PROHIBITED BY LAW.Disputes
Our Customer Service Specialists are ready to assist you and address your concerns—email april@Inertia Financial.com or call 1.800.977.7022, 24 hours a day. If you have any questions or concerns regarding how Inertia Financial, LLC manages, accesses or uses your personal information, please write us at 1150 E Eldorado Pkwy Ste 200 Little Elm, TX 75069. In the event that our customer service team is unable to resolve your concern, by using this Site you unconditionally agree that all claims relating to your access or use of our Site, including all disputes arising out of, or related to, any products or services purchased from Inertia Financial, LLC through our Site, will be resolved entirely through binding individual arbitration, rather than in court. You may also assert individual claims in small claims court if your claims otherwise qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement. These Terms of Use do not apply to any claims or disputes relating to or arising from use of your credit card; any such claims or disputes will be governed by the terms and conditions of your credit card company.
Note: There is no judge or jury in arbitration, no class actions, and court review of an arbitration award is limited. An arbitrator, however, can award on an individual basis the same damages and relief as a court, including injunctive and declaratory relief or statutory damages, and must follow these Terms of Use as a court would.
THIS SECTION LIMITS CERTAIN RIGHTS, INCLUDING THE RIGHT TO MAINTAIN A COURT ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO PARTICIPATE IN ANY FORM OF CLASS OR REPRESENTATIVE CLAIM, THE RIGHT TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED IN AAA OR JAMS RULES, AND THE RIGHT TO CERTAIN REMEDIES AND FORMS OF RELIEF. OTHER RIGHTS THAT YOU OR Inertia Financial, LLC WOULD HAVE IN COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
Applicable Law
The law applicable to the interpretation and construction of these Terms of Use and any transaction (including purchases made on this Site) using or related to the Site, shall be the Federal Arbitration Act, applicable federal laws and the laws of the State of Texas, USA, without regard to principles of conflict of laws, but subject to the Federal Arbitration Act and other federal law relating to the arbitrability of claims. You agree that all matters relating to your access to or use of the Site, including all disputes, will be governed by the laws of the United States and by the laws of the State of Texas.
Links to Other Websites and Services
This Site may include links to other Internet sites maintained by third parties (“Linked Sites”). Inertia Financial, LLC provides Linked Sites to you solely as a convenience, and the inclusion of Linked Sites does not imply endorsement by Inertia Financial, LLC of the Linked Sites. You access Linked Sites at your own risk and by accessing them you leave the Inertia Financial, LLC’s Site. Linked Sites are not under the control of Inertia Financial, LLC and Inertia Financial is not responsible for the contents of any Linked Site.
Google Maps Privacy and Terms of Service
Your use of mapping available on this Site is governed by the Google Maps Terms of Service and Google Privacy Policy. Google reserves the right to change the Google Terms of Service and Privacy Policy at any time, at their sole discretion. For additional information, please see Google Maps Terms of Service and Google Privacy Policy.
Merchandise Availability
These Terms of Use constitute an agreement that is effective unless and until terminated by Inertia Financial, LLC. If in Inertia Financial LLC’s sole discretion you fail to comply with any term or provision of this agreement, Inertia Financial, LLC may deny you access to the Site. In the event of denial of access by Inertia Financial, LLC, you are no longer authorized to access the Site, and the restrictions imposed upon you with respect to material copied or downloaded, and the disclaimers and limitations of liabilities set forth in these Terms of Use, shall continue in force. These Terms of Use constitute the entire agreement between you and Inertia Financial, LLC relating to the subject matter addressed herein.
Site Policies, Modification and Severability
Please review our other policies posted on this Site. These policies also govern your use of Inertia Financial, LLC services and products. We reserve the right to make changes to our site, policies and these Terms of Use at any time and will provide notice of such changes if or as required by law. If any of these conditions shall be deemed invalid, void or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.
(rev. 6.19.19)
Terms of Use
PLEASE READ THESE TERMS CAREFULLY! THEY INCLUDE AN ARBITRATION PROVISION REQUIRING INDIVIDUAL ARBITRATION OF DISPUTES INSTEAD OF JURY TRIALS OR CLASS ACTIONS. By signing your agreement, you acknowledge that you agree to these terms in their entirety.
Application. These Consumer Terms of Sale (“Terms”) apply to all consumer purchases from Inertia Financial, LLC (“Service”) in the United States.
Additional Terms. The Terms consist of this document and Inertia Financial, LLC’s:
a. 30-Day Refund Policy,
b. Consumer Warranties (for Inertia Financial, LLC purchases),
c. License Agreements (for services),
d. Consumer Service Contracts (for services purchased),
e. Privacy Statement (describing how Inertia Financial, LLC collects, uses and shares your personal information), and
f. Terms of Use (governing your use of Inertia Financial, LLC’s website).
Orders, Acceptance, Refunds and Cancellation. Inertia Financial, LLC may send an order confirmation email to acknowledge receipt of your order, but Inertia Financial, LLC does not accept your agreement until we send you notice that the contract has been accepted. Inertia Financial, LLC may process payments separately to satisify a negative balance if a payment is submitted. Inertia Financial, LLC is will not honor a refund request if it results the account balance to have a negative balance. Inertia Financial will not honor a refund request for payments applied to services recieved by it’s clientele. Inertia Financial, LLC reserves the right at any time, even after we send you a confirmation email, to decline or cancel our agreement for any reason, including errors or suspected fraud.
Pricing and Availability. Prices and promotions are subject to change. Inertia Financial, LLC strives to communicate accurate pricing and service information, but errors may occur. In the unlikely event that an error impacts your service, or a service is no longer available, we will either contact you for instructions or cancel your contract.
Taxes and Fees. Unless you provide Inertia Financial, LLC with a valid and correct tax exemption certificate, you are responsible for sales and other taxes associated with your order.
Communications. All communications with us, our agents or independent contractors may be monitored and/or recorded. You expressly consent, on behalf of yourself and other users of your phone number and email address, to such monitoring or recording. By providing us with a phone number (including mobile) and email address, as your contact information, you expressly authorize us to contact you on that number via text message or telephone, and email, including via prerecorded or auto-dialed calls. This consent is for non-telemarketing calls only.
Limitation of Liability. In no event will Inertia Financial, LLC be liable for any indirect, consequential, exemplary, incidental or punitive damages, including lost profits, even if Inertia Financial, LLC has been advised of the possibility of such damages. YOU AGREE THAT INERTIA FINANCIAL, LLC’S LIABILITY IN ANY DISPUTE WILL BE CAPPED AT THE TOTAL AMOUNT YOU PAID FOR THE SERVICE AT ISSUE. Some states do not allow limitation of certain damages, so these limitations may not apply to you. If you are a New Jersey resident, this provision will not apply to claims for damages caused by Inertia Financial, LLC’s intentional, reckless or grossly negligent conduct.
Services may not be resold or exported. Your purchase is for your own use, not for resale, export, re-export or transfer. Your purchase is subject to and you are responsible for compliance with the export control and economic sanctions laws of the United States and other applicable jurisdictions (“Export Laws”). Your purchase may not be sold, leased, or transferred to restricted countries, restricted end users, or for restricted end uses according to the Export Laws.
Governing Law. THESE TERMS AND ANY DISPUTE BETWEEN YOU AND DELL WILL BE GOVERNED BY THE LAWS OF THE STATE OF TEXAS, WITHOUT REGARD TO CONFLICTS OF LAW.
Dispute Resolution and Binding Arbitration. YOU AND INERTIA FINANCIAL, LLC AGREE TO RESOLVE ANY DISPUTES BETWEEN US EXCLUSIVELY AND FINALLY BY BINDING ARBITRATION ON AN INDIVIDUAL BASIS, WHICH MEANS YOU AND INERTIA FINANCIAL, LLC WAIVE ANY RIGHT TO LITIGATE DISPUTES IN A COURT OR BEFORE A JURY, OR AS PART OF A CLASS ACTION, A REPRESENTATIVE ACTION, A CONSOLIDATED ACTION OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.
This arbitration requirement applies to any claim or dispute of any kind (whether in contract, tort, or otherwise, whether pre-existing, present, or future, and including statutory, common law, or equitable) between you and Inertia Financial, LLC, its agents, employees, successors, assigns, direct and indirect subsidiaries, and any third party providing any products or services to you in connection with your purchase (“Inertia Financial, LLC”) that relates in any way to your purchase or Service, these Terms, or Inertia Financial, LLC’s marketing or advertising (“Claims”).
You still have the right to bring individual Claims in small claims court, to the extent that you qualify.
Inertia Financial, LLC will pay the arbitration/arbitrator fees.
Arbitration shall be administered by either:
The American Arbitration Association (AAA), subject to its Consumer Arbitration Rules, available at (800) 778-7879 and www.adr.org; JAMS, subject to the JAMS Comprehensive Arbitration Rules, available at (800) 352-5267 and www.jamsadr.com.
The arbitrator shall have exclusive authority to resolve any arbitrability issues including any dispute over these Terms or this arbitration provision’s scope, application, meaning, and enforceability. The arbitrator shall be empowered to grant whatever relief would be available in court. Any award of the arbitrator(s) shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
You and Inertia Financial, LLC agree to arbitration only on an individual basis. Neither you nor Inertia Financial, LLC may join or consolidate claims of others or participate in any claim as a class representative or a class member. If any portion of this arbitration agreement is found unenforceable, the unenforceable portion shall be severed and the remaining arbitration terms shall be enforced (but in no event will there be a class arbitration). This Paragraph controls over any inconsistent term in any other agreement.
This transaction shall be governed by the Federal Arbitration Act 9 U.S.C. sec. 1-16 (FAA).
(rev. 6.19.19)
Glossary
DBA is an acronym for “doing business as.” It is also synonomous to the phrase “trade name..” As a sole proprietor, even though functioning with an assumed name, the business owner, is still responsible for all acts of the business. Think about that for a second. The alternative is a limited liability company. Once formed, it will operate as its own entity and the owner will no longer be responsible for the acts of the business. For more information on how to structure your entity, call (800) 977-7022.
“dba”
Seeing your business succeed is a dream come true for most entrepreneurs. The S Corp is a pass-through entity for tax purposes, similar to the LLC. This means that the income generated by an S Corporation will flow through to the personal income tax returns of the shareholders. Normally, the S Corp itself generally does not have a tax liability. For more information on how an S Corporation could benefit your business, give us a call at (800) 977-7022.
s-corporation
A sole proprietorship is a type entity, owned and run by an individual. There’s no distinction between the owner’s assets and the assets of the business. A sole proprietor has unlimited responsibility for all acts of the business. As a sole propietor, the credit profile of the business is the same as that of the owner.