PUBLIC NOTICES

CONSUMER NET IMPRESSION DISCLOSURE

Boe Credit Consulting’s goal is to provide credit repair services to assist its clients in achieving an accurate credit report. Boe Credit Consulting does not guarantee any specific outcomes or results from services provided on behalf of their clients; rather, Boe Credit Consulting contracts to provide the specific list of services as more fully described within the Client Agreement. Boe Credit Consulting does not charge for, nor shall we collect for, any services, until such services as detailed in the listed contracted have been fully performed. Boe Credit Consulting does not contract for services to remove accurate and/or verifiable information from the client’s credit file. Active participation, from the client, in providing Boe Credit Consulting with all requested documents, forms, and information including investigation results, is essential to providing the client with the most effective credit repair services. Boe Credit Consulting does not provide tax, legal or financial advice. If you need any type of legal advice, you must contact a licensed professional.

 

RESULTS MAY VARY

You should assume that any results shown in testimonials, advertisements, stories, blog posts, articles, forums, or anywhere else on this Website or our associated websites are not typical. While Boe Credit Consulting strives to deliver the best in service and outcomes to all of our clients, your results may vary based on several factors, but most importantly, your individual circumstances.

 
 

AFFILIATE RELATIONSHIPS

This website may contain content, such as testimonials, advertisements, stories, blog posts, articles, forums, resources that includes links to third parties or mentions certain credit or financial products and/or services for which Boe Credit Consulting and/or its sister companies may be compensated when a user applies for and/or signs up for any of these products or services.
Your use of a product or service offered by a third-party affiliate will not result in any preferential treatment and 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 circumstances) if you choose not to use a product or services offered by a third-party affiliate.

 

TERMS OF USE

 

This Terms of Use policy (the “Policy”) applies to Boe Credit Consulting (“BCC”), and its website https://www.BoeCreditConsulting.com (the “Website”).
BCC provides the materials contained at our Website on the World Wide Web as a service to our clients and visitors. BCC requires that all visitors to the Website adhere to the following Terms of Use policy (“Policy”). By accessing the Website and any of its pages, you indicate your acknowledgement and acceptance of the Terms of Use set forth below without limitation or qualification. BCC may revise this Policy at any time by updating this posting; revisions will be binding upon all visitors to the Website. You should therefore visit this posting to review this Policy from time to time as you visit the Website. For purposes of these Terms of Use, references to BCC include its affiliates, directors, and employees.
You acknowledge that no confidential, fiduciary, contractually implied or other relationship is created between you and BCC or the Website by your use of this website other than as strictly defined pursuant to the Policy and any subsequent written agreement entered into between you and BCC.

Last Updated May 2020

GENERAL RULES AND DEFINITIONS

Your use of this Website constitutes your acceptance of and agreement with all terms and conditions expressly defined throughout this Website. BCC  reserves the right, at its discretion, to change, modify, add or remove portions of any policies and/or terms and conditions at any time; your continued use of the website constitutes your acceptance of any agreement with such changes. 
BCC may change, suspend, or discontinue any aspect of the Website at any time, including the availability of any feature, database, or content. BCC may also impose limits on certain features and services or restrict your access to parts or the entire Website without notice or liability.

SITE CONTENT AND USER SUBMISSIONS

The contents of the Website are intended for the personal, noncommercial use of its registered subscribers. All materials published on the Website including, but not limited to news articles, forms, agreements, illustrations, audio clips and video clips (collectively the “Content”) are protected by copyright and other intellectual property laws, and are owned, or controlled by, or licensed to BCC or the party credited as the provider of the Content, software or other materials. You shall abide by all additional copyright or other notices, information or restrictions appearing in conjunction with any Content accessed through the Website.
The Website is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions, and other copyright laws. Except as provided in this section of the Policy, you may not modify, adapt, translate, exhibit, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, reverse engineer, decompile or dissemble, or in any way exploit, any of the Content, software, materials of the Website in whole or in part.
Copying or storing of any Content for any purpose other than personal, noncommercial use is expressly prohibited without the prior written permission from BCC, or the copyright holder identified in the individual Content’s proprietary rights notices. For the avoidance of doubt, including any Content (in whole or in part) on your personal website, when it is accessible to any other person, is not a personal use and is not permitted.

If you believe that any Content appearing on the Website has been used in such a manner that constitutes copyright infringement, please provide BCC with a written notice (email is sufficient) that includes the following information: an electronic or physical signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed; identification of the copyrighted work claimed to have been infringed; a description of where the material that you claim is infringing is located on the Website; your contact information (address, telephone number, and e-mail address); a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on behalf of the copyright owner.
Our contact information:
   Boe Credit Consulting
   2000 County Road B2 West, Unit #13564
   Roseville, MN 55113
   Phone or Fax: (651) 571-0444
   info@BoeCredit.com

SITE CONTENT AND USER SUBMISSIONS

Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products, and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address to the Website you agree to receive e-mail marketing from our company. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.

COMMUNICATION FORUMS

Information posted in bulletin boards, blogs, chat rooms, e-mail messages and other forums (collectively, the “Communication Forums”) may be posted, read, and collected by members of the public – use caution in posting and/or using any such information.  BCC is not responsible for messages, images, text, or other materials submitted on such forums.  You may only use these forums for appropriate, related content. 
You shall not upload to, distribute, or otherwise publish through the Website any Content that is libelous, defamatory, obscene or otherwise violates any law or the rights of third parties. Please use your best judgment and be respectful of other individuals using the Communication Forums. Do not use vulgar, abusive, or otherwise hateful language. Communication Forums within the Website, where provided, are provided to give our users an interesting and stimulating forum in which they may express their opinions and share their ideas. BCC does not endorse the opinions shared in these Communication Forums. You acknowledge that any submissions may be edited, removed, modified, published, transmitted, and displayed by BCC, without permission of the user.
The Communication Forums shall be used by you solely in a noncommercial manner. You shall not, without the express approval of BCC distribute or otherwise publish any material containing any solicitation of funds, advertising or solicitation for goods or services, or to promote websites or online services that are not provided by BCC.
While BCC does not and cannot review every message posted by users in the Communication Forums and is not responsible for the content of these messages, BCC does reserve the right to delete, move or edit messages that it, in its sole discretion, deems are in violation of the law (including trademark and copyright law), or this Policy, or are abusive, defamatory, obscene or otherwise unacceptable. Users shall remain solely responsible for the content of their messages.

AVAILABILITY OF SERVICES AND LINKS

The Website may contain links to third-party related World Wide Web Internet sites and resources. Selection of an ad banner or link will redirect you away from the Website to a third-party website. Transactions that occur between you and any such third party are strictly between you and the third party and are not the responsibility of BCC. Because BCC is not responsible for the availability of these outside resources or their contents, you should direct any concerns regarding any external link to its site administrator or webmaster.

REPRESENTATIONS AND WARRANTIES

BCC NEITHER REPRESENTS NOR ENDORSES THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPTION, STATEMENT, OR OTHER INFORMATION DISPLAYED, UPLOADED OR DISTRIBUTED THROUGH THE WEBSITE BY ANY SUBSCRIBER, INFORMATION PROVIDER OR ANY OTHER PERSON OR ENTITY. BCC AND ITS AGENTS MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THIS WEBSITE, ITS CONTENT OR ABOUT THE SUITABILITY OF THE INFORMATION, RESOURCES, PRODUCTS AND SERVICES CONTAINED ON THIS WEBSITE FOR ANY PURPOSE.  ANY MATERIALS PROVIDED BY BCC OR THIRD PARTIES THROUGH THIS WEBSITE ARE PROVIDED “AS IS.”  BCC AND ITS AGENTS MAKE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO THE MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, TITLE, NON-INFRINGEMENT, OR ANY OTHER WARRANTY, CONDITION OR GUARANTEE, OR REPRESENTATION, WHETHER ORAL, IN WRITTEN OR ELECTRONIC FORM, INCLUDING BUT NOT LIMITED TO THE ACCURACY, COMPLETENESS, CURRENTNESS OR USEFULNESS OF ANY MATERIALS PROVIDED THROUGH THE WEBSITE AND ANY WEBSITE WITH WHICH IT IS LINKED. 
BCC SHALL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTIES FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGE OR LOSS INCURRED IN CONNECTION WITH THE USE OF THE WEBSITE AND ANY WEBSITE WITH WHICH IT IS LINKED, OR ANY OF THE MATERIALS PROVIDED BY BCC OR THIRD PARTIES THROUGH THE WEBSITE AND ANY WEBSITE WITH WHICH IT IS LINKED, OR ANY DAMAGE OR LOSS INTERRUPTIUONS, DELETIONS OF FILES, ERRORS, DEFECTS, DELAYS IN PERFORMANCE OF THE SERVICE, OR FOR ANY INFORMATION, PRODUCT OR SERVICE OBTAINED THROUGH THIS WEBSITE REGARDLESS OF THE CLAIM AS TO THE NATURE OF THE CAUSE OF ACTION, EVEN IF BCC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS.

NO UNLAWFUL OR PROHIBITED USE

You may view, download, and print information from the Website for your personal (non-commercial) use only, but you may not remove any trademark, copyright, or notice appearing there.  All other uses are prohibited.  You may not copy, alter, share, reuse, resell, license, create derivative works from or transfer materials from the Website for any other reason, without prior expressed written permission from Boe Credit Consulting.
All links to this website must appear as hypertext, without use of BCC’s logos or trademarks.  You may not use a hyperlink to present materials on the Website as your own.  Deep-linking is strictly prohibited unless expressly approved by BCC in writing (a deep-link is a hyperlink that bypasses a website’s home page and brings a visitor directly to an interior page). You may not frame the Website, or any content provided by BCC (framing is an alternative form of linking that allows viewing of a linked web page within a “frame” of the original website). You may not use BCC’s URLs, trademarks, service marks, trade names, meta tags, or other materials in the meta or alt tags of any other website (such tags provide information about a website which search engines use to prioritize results), or to effect any “matchmaking” advertising by third parties.
You may not use the Website for any unlawful or prohibited purpose.  You may not use the information or content provided on this website in a way that may suggest any connection with or endorsement of any product or service, or which violates any property, privacy, or other rights.

MISCELLANEOUS

The Website has been made in and shall be construed and enforced in accordance with Minnesota law. Any action to enforce or in connection with this Policy shall be brought in the federal or state courts located in Ramsey County in the State of Minnesota.
You consent to the personal jurisdiction of Minnesota State and Federal Courts.
Official correspondence must be sent via postal mail to:
   Boe Credit Consulting
   2000 County Road B2 West, Unit #13564
   Roseville, MN 55113

ACCEPTANCE

You hereby acknowledge that you have read and understand the foregoing Policy and agree to be bound by its terms and that your use of the Website is at your own risk.

 

PRIVACY POLICY

We have created this privacy policy (hereinafter the "Privacy Policy") in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use our "Website"); and/or 2) select and register for an offer(s) on the Website by clicking the offer(s) presented. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please contact us via the methods provided in the State Privacy Protections section of this Policy.

This Privacy Policy only addresses the use and disclosure of information that Boe Credit Consulting and its Website collect from you. This policy does not apply to the practices of companies that we do not own or control, or to people that we do not employ or manage. We do not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others. For more information about each such third-party, please refer to the respective third-party’s privacy policy. If you provided your information on the website of an entity not owned by us, and that entity shared your information with us, the privacy policy of that website governs the non-related entity’s use of your information, which may be different from this policy.

Last Updated May 2020

INFORMATION WE COLLECT

The information we collect is generally limited to personal information about you that you submit on the Website. The personally identifiable information that may be collected includes your name, address, email address, telephone number, fax number, information about your interests in and use of various products, programs, and services, and education level and general interests. Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer's prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer's prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, platform type, date/time stamp, and the number of clicks. This information is tracked in order to analyze trends, administer the Website, track users' movements in the aggregate, and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.

COOKIES AND OTHER TECHNOLOGIES

The Website uses a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons or anonymous identifiers, known as “cookies”, to your device. Cookies and other technologies may be used to help save information on past activities and other preferences so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

HOW WE USE YOUR INFORMATION

Any personal information that you supply to us remains your personal property. However, by submitting that information our company, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website; c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement, and feedback purposes. By submitting your information to the Website, you grant our company the right to use that information for marketing purposes and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from us. We do not send unsolicited bulk emails. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal information in some instances, such as 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our Terms and Conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.

SHARING OF INFORMATION

Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products, and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address to the Website you agree to receive e-mail marketing from our company. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.

THIRD-PARTY LINKS

The Website may include links to other websites that will allow you leave our website.  We do not own, control, operate or necessarily endorse these companies, their websites, products or services.  These linked websites, along with any information you provide in accessing a linked website, are in no way subject to our polices.  Each linked website may have its own policies that could differ considerably from our policies, or the linked website may not display any privacy policy at all.  In any case, even though a linked website is accessed through this website, we cannot be responsible for any collection or use of your personal information that a linked website may make.  We recommend that you take the time to read the privacy policies and user agreements of these third-party websites.  You should contact the operators of linked websites if you have any questions about their privacy policy or use of the information they collect.
Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus (among others), are integrated on this website. By interacting with our website through a social media plug-in, certain information will be transmitted to the related social network. Your continued use of our website indicates your permission for us to have on-going access to information from your social network accounts.
If you do not want the social network to collect information about you, or to share it with our website and other third parties, please review the privacy policy of the relevant social network and/or log out of the relevant social network before you visit our website.

CHILDRENS' PRIVACY PROTECTION

We do not provide products or services intended to address the needs of anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from anyone under the age of 13, we take steps to remove that information from our servers.

Our contact information:

Boe Credit Consulting

2000 County Road B2 West, Unit #13564

Roseville, MN 55113

Phone: (877) 424-3410.

email: info@BoeCredit.com

STATE PRIVACY PROTECTIONS

Depending on where you live, you may have additional privacy protections under your state's 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 collect this information from you, consumer reporting agencies (credit bureaus), public databases, data aggregators, and other commercially available sources. The categories of this personal information include:

  • Personal identifiers to authenticate your identity and obtain consumer reports (credit reports) you have requested;

  • Credit report data to assist with identifying and challenging unfair, unsubstantiated, and inaccurate items;

  • Internet/Network activity to inform, optimize, and serve ads based on your past visits to our website (see, infra section 6. Transparency and Choice for additional information); and

  • Audio and electronic information to record your agreements and authorizations given over the phone or via our website.

We do not sell, and will not sell, any of your personal information without obtaining your specific consent, including personal information of minors under age 16. Because we do not sell personal information without your express consent, we are not obligated to include the “Do not sell my personal information” link on the homepage of our website.

We will share your personal information with our service providers when it is necessary to process your requests, maintain your case, or report to credit bureaus and/or your creditors.

You have the right to request the following data 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 we collect personal information;

  • The business purpose for collecting or selling personal information;

  • The categories of third parties with whom we share personal information;

  • The specific 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;

  • 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.

In addition, California residents have the following rights:

  1. The right to request that Personal Information be deleted, subject to various exceptions including matters governed by the Gramm-Leach-Bliley Act (GLBA) or to comply with a legal obligation whether of general or specific applicability;

  2. The right to request that personal information not be sold to third parties, if applicable; and

  3. The right not to be discriminated against in light of choosing to exercise any of these rights.

To exercise any of these rights, you may contact us by:

  • Submitting the Privacy Data Requests form, or

  • Calling (877) 424-3410.

When you make any of the above requests, we will verify your identity and right to request the information by asking you for information we can match with our records such as your name, phone number, Social Security Number, or date of birth. We may also verify you using your system login or other reasonable authentication service such as knowledge-based authentication.

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.
You may authorize an agent to make a request under these rights on your behalf by completing a notarized Agent Authorization Notice and submitting it with your Privacy Data Request web form or mailing it to us at:

Boe Credit Consulting

Privacy Data Requests

2000 County Road B2 West, Unit # 13564

Roseville, MN 55113.

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. However, if you exercise your right to have your personal information deleted, we will not be able to continue to provide service, as the services we provide are dependent on that personal information.
Please note that whereas Boe Credit Consulting provides credit repair services, it is subject to obligations pursuant to the GLBA. The GLBA includes several definitions that will govern relevant privacy matters. Consequently, the terms “nonpublic personal information” or “personally identifiable financial information”, for example, will pre-empt the CCPA’s definitions of “personal information”, “sale”, or other important terms defined by the GLBA for matters involving services provided by Boe Credit Consulting, its service providers, or agents.

NEVADA RESIDENTS - We are providing you this notice under Nevada state law. You may be placed on our internal Do Not Call List by contacting us at (877) 424-3410.

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: (702) 486-3132

email: aginfo@ag.nv.gov

or

Boe Credit Consulting

2000 County Road B2 West, Unit #13564

Roseville, MN 55113

Phone: (877) 424-3410.

email: info@BoeCredit.com

EDUCATIONAL & INFORMATIONAL DISCLAIMER

The information published on this website, in our blog and our downloadable material is for educational and informational purposes only. Boe Credit Consulting and its agents do not provide legal, financial, or tax advice. Consumers seeking legal, financial, or tax advice should consult with an attorney, financial, or tax advisor in your area.

 

DEBT DISCLOSURE

While the process of credit restoration or credit improvement can result in inaccurate or unverifiable accounts being deleted from consumer credit reports, the deletion of the account itself DOES NOT invalidate or eliminate the associated debt. Whether an account is reporting on a consumer's credit reports or not, when the debt is valid, the consumer is still financially responsible for the repayment of the debt. The only way to remove the responsibility to repay the associated debt is through debt elimination. If you believe a debt is not valid, we recommend seeking the advice of an attorney to dispute the validity of the debt.

 

PUBLIC RECORDS DISCLOSURE

While the process of credit repair can sometimes get inaccurate or unverifiable public records suppressed or deleted from reporting on your credit reports, credit repair DOES NOT eliminate the actual public records. Actual public records may continue to be discoverable at the courthouse in which the case was heard. Cases heard and decided in the federal court system are entered into the Public Access to Court Electronic Records website (PACER.gov). PACER can be accessed by anyone who pays to use the website.