CPN Info.

Please fill out the contract and application below. Simply fill out every indicated box with the required information and
click submit. Your contract and application will automatically be emailed. Incomplete applications will not be processed.
We have added this feature for your convenience. PLEASE DO NOT SUBMIT A CONTRACT UNLESS YOU HAVE
MADE YOUR PAYMENT. CONTRACTS WITHOUT PAYMENTS ARE NOT PROCESSED! (Your Credit BOOKS; valued
over $55.00; will be emailed to you from our customer service team.)

CPN Headquarters' "$59.99 CPN" Personal Business Contract Agreement

This Agreement made and entered into this day;

By: Mr/Mrs.

And between www.cpnheadquarters.com. Referred to as "Company". I hereby solicit COMPANY and agree to pay a
business creation processing fee to COMPANY as is described herein below.

1. This Agreement describes the terms and conditions under which my application is submitted. I certify that (I am at least 18 years) of age, and the information (I provided) to CPN HEADQUARTERS in order to submit my applications is true and accurate. I understand that my signature at the end of this contract constitutes my acceptance of these account(s) in accordance with the statements and conditions listed within this agreement.
            2. I understand that my information will be submitted by CPN HEADQUARTERS to a willing party hereby referred to as "CARD COMPANY" I understand I am giving CPN HEADQUARTERS permission to establish a personal business in my behalf.  I also understand my personal information will be submitted to the Department of Treasury IRS Division for which i will be assigned either an ITIN, TIN, EIN, or in some cases a Validated SSN Number.  I understand the Department of Treasury IRS Division will issue this number to me.  I understand and agree the $59.99 fee paid to CPN Headquarters will be the only fee i will need to pay to CPN Headquarters for this service.  I do understand I may have additional fees related to the establishment of my personal business which i may have to pay the the state or county I reside, choose to do business, or where i may elect to incorporate.
            2A. HOLD CPN HEADQUARTERS HARMLESS AND INTENTION OF LEGAL INTENT! I understand and acknowledge; that in no way am I engaging or attempting to engage in FILE SEPARATION, and by signing this agreement, CPN HEADQUARTERS's ONLY ROLE IS TO HELP ME OPEN A CREDIT PROFILE NUMBER WHICH WILL BE ATTACHED TO MY DBA FOR WHICH I PLAN TO USE FOR PERSONAL BUSINESS MATTERS FURTHERMORE, FOR PERSONAL BUSINESS MATTERS I DO PLAN TO USE CREDIT FOR THESE MATTERS AND IN NO WAY AM I ATTEMPTING TO CREATE A SITUATION OF FILE SEPARATE, BUT TO USE MY 'CREDIT PROFILE, DBA' LEGALLY! I AGREE  TO HOLD CPN HEADQUARTERS HARMLESS; FOR THEY ARE ONLY PROCESSING MY BUSINESS PAPERWORK; AND SETTING UP MY BUSINESS DBA, UNDER WHICH ALL NECESSITIES APPLY! I UNDERSTAND (it is a federal crime to make any false statements on a loan or credit application... A credit repair CPN Headquarters may advise you to do just that, but it is my statement by signing this contract CPN HEADQUARTERS HAS NEVER INFORMED ME; NOR ADVISED ME; TO MAKE ANY FALSE STATEMENTS; ON ANY CREDIT; OR LOAN APPLICATION. It is a federal crime to misrepresent your Social Security number. It also is a federal crime to obtain an EIN from the IRS under false pretenses. IT IS MY STATEMENT I AM SETTING UP A BUSINESS TO PROMOTE MYSELF AND MY PERSONAL BUSINESS ENDEAVORS, FOR WHICH IS WHY I APPLIED FOR A DBA AND AN IRS EIN! Furthermore, you could be charged with mail or wire fraud if you use the mail or the telephone to apply for credit and provide false information. Worse yet, file segregation likely would constitute civil fraud under many state laws.) CPN HEADQUARTERS HAS MADE THIS POINT 'VERY' CLEAR AND IN NO WAY AM I MAKING OR PLAN TO MAKE ANY FALSE STATEMENTS OR MISREPRESENTATION TO CPN HEADQUARTERS OR ANY PERSPECTIVE CREDITOR. I AGREE TO HOLD CPN HEADQUARTERS HARMLESS FOR I ONLY USED THEIR SERVICE TO ASSIST WITH PAPERWORK.

3. CREDIT BUREAU REPORTING: I understand that while most account(s) are created and setup within 3-6 DAYS  I understand the process may take as long as 14 business days.  I understand that in order to receive a refund I must provide a valid reason and submit it in writing no later than 3 business days after the start date of this contract! I understand I will forfeit my right to a refund after the passing of 3rd business day of the signing of this contract! Furthermore I understand I will not be eligible for a refund of any sort after THE DEPARTMENT OF TREASURY IRS DIVISION HAS ISSUED ME MY CPN NUMBER!  I understand at the point I have received my CPN number from the IRS (which can be in the form of a EIN, ITIN, TIN, or Validated SSN) I would have at that point received both credit related e-books valued at $55.00 and my CPN set up by CPN HEADQUARTERS!  I UNDERSTAND I WILL NOT BE ENTITLED TO A REFUND OF ANY SORT FROM CPN HEADQUARTERS OR ANY OF ITS ASSIGNEES AND ANY CHARGE BACK ATTEMPT WILL BE DENIED; BECAUSE CPN HEADQUARTERS HAS FULFILLED ITS CONTRACT OBLIGATIONS IN FULL AND HAVE PROVIDED ME PRODUCTS AND SERVICES VALUED WAY BEYOND MY FEE OF $59.99. I UNDERSTAND I AM ONLY ENTITLED TO A FULL REFUND WITHIN (3) BUSINESS DAY FROM THE START OF THIS CONTRACT.
            4. CREDIT REPAIR -VS- BUSINESS FORMATION SERVICES: I understand that I entering and signing a contract for business formation or creation services! I fully understand this is not CREDIT REPAIR! I understand that from this point I am entering into a service for business formation AND NOT CREDIT REPAIR!
            5. PROMISE TO PAY: I agree to pay a standard processing fee of $59.99 immediately to CPN HEADQUARTERS for business formation fees. WHICH HAS ALREADY BEEN PAID, for BOTH CREDIT E-BOOKS AND 1 IRS ISSUED VALIDATED CPN NUMBER WHICH CAN BE IN THE FORM OF A EIN, ITIN, TIN OR VALIDATED SSN NUMBER.
            6. RETURNED AND NSF ACH PAYMENTS: In the event that my processing fee is returned due to insufficient funds, CPN HEADQUARTERS may immediately attempt to collect the full amount by presenting my ACH authorization a second time to my original banking institution plus NSF fees. Any subsequent withdrawal attempts by CPN HEADQUARTERS will not exceed the original processing fee or the monthly administration fee. Furthermore, I agree and understand that if The CPN Headquarters is unable to successfully process my electronic payment, the full amount of my obligation is not to exceed the total amount of the processing fees plus any late fees and NSF charges CPN HEADQUARTERS will charge a fee of $15 for every NSF processed.
            7. RIGHT TO RESCISSION: I understand that I have the right under federal law to cancel this contract for any reason without penalty within 3 business days from the date of this contract, and I understand that if I choose to exercise that right I will notify CPN HEADQUARTERS in writing within the 3 business days from the date of this contract.
            8. REFUND/ CHARGE BACK/ OR DISPUTE POLICY:  In a situation where a client request a refund of payment (AFTER THE PRODUCT IS DELIVERED) an amount of $0.00 will be refunded to the customer.  Pip Gainers; receives $16.62 after a completed purchase of $59.99, which is the net proceeds from the sale.  Pip Gainers pays merchant fees, Royalty Fees; for your copies of Credit Boost & Credit Game(S), and labor costs associated with setting up your CPN.  Due To The Fact BOTH CREDIT BOOKS WERE DELIVERED (AT A TRUE COST BEYOND $59.99), AND WE CAN NOT WITHDRAW OUR SERVICE, OR E-BOOKS WHICH HAS BEEN DELIVERED; WE ARE NOTIFYING YOU ALL COMPLETED SALES ARE FINAL.
            8A. NOTICE OF MERGING YOUR CPN/ CREDIT FILE: In situation were a client request a refund of payment (AFTER THE PRODUCT IS DELIVERED) we will merge your credit file regardless of trade lines, credit repair, cpn or credit report!  We will merge the stated credit file rendering the trade lines, credit repair, cpn or credit report useless.  We have taken this approach to protect our service and merchants from ABUSE!  We have taken this step to combat those which will make an attempt to ABUSE our service!  Again WE WILL Merge Your File(S) with something negative in an effort to COMPLETELY MAKE THE FILE NON USABLE OR PRESENTABLE.  If there IS A VALID CLAIM; PLEASE BRING IT TO OUR ATTENTION; WE HAVE ALWAYS BEEN AVAILABLE TO HELP OUR CLIENTS.

**CPN QUESTIONNAIRE; THIS INFORMATION IS NEEDED TO ESTABLISH YOUR CPN.
**TO ENSURE A FAST RETURN PLEASE SUBMIT A COMPLETE APPLICATION

Client's Full Name:

Client's Home Address:

City:

State:

Zip Code:

Type of Payment Made; paypal/credit card/ e-check:

Name & Email associated with payment:

**TO PREVENT MERGERS PLEASE PROVIDE A GOOD CPN ADDRESS.

Client's CPN Address:

City:

State:

Zip Code:

Client's Email:

Phone Number:

**YOUR SSN IS REQUIRED IN ORDER TO OBTAIN A VALIDATED CPN IN YOUR NAME.

Social Security Number:

Date of Birth:

Special Comments or Instructions

SIGNATURE AUTHORIZATION STATEMENT: BY SIGNING THIS CONTRACT YOU AGREE TO EVERYTHING HEREIN,
ABOVE AND TO THE CPN HEADQUARTERS DISCLAIMER

PLEASE READ THE BELOW AGREEMENT

(I/We) hereby authorize www.cpnheadquarters.com who received my personal credit information from myself; to use it to process the appropriate applications. It is understood that my signature on this form will also serve as authorization. This authorization expires 1 year from the date indicated on this contract. Privacy Act Notice: This information is to be used by 'CPN HEADQUARTERS' or its Assignees and will not be disclosed to outside the agencies except as required and permitted by law. I understand that ANY abuse made against the service provider from myself may result in the merging of my CPN file and made useless!  I understand that after service provider has provided all agreed upon E-Books, CPN, or Trade lines the service provider has facilitated their duties within this agreement!
            IT IS MY STATEMENT THAT I AM NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS; NOR HAS WWW.CPNHEADQUARTERS.COM.
            OR ANY AGENT WITHIN WWW.CPNHEADQUARTERS.COM WHICH INCLUDES ALL ENTITIES OF SUCH OWNED BY A CONSUMER HOLDING TR; HAS INSTRUCTED ME; NOR DO I BELIEVE: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers;  B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of Defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. § 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. § 1679b(a)(2).  
            Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a). 
            I also agree to the following User Agreement; in conjunction with CPN Headquarters.Com Contract Agreement; and my written contract with CPN Headquarters.Com, describes the terms and conditions under which CPN Headquarters.Com offers me access to their services.  By using the services of CPNHeadquarters.com, I agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in my written contract with CPN Headquarters.Com. I have read and accepted all of the terms and conditions in, and linked to, this User Agreement and the Privacy Policy. I have read the User Agreement in its entirety which is effective as of August 1, 2007, for current users, and upon acceptance for new users. 
            Except as otherwise provided for in this User Agreement, you irrevocably release CPNHeadquarters.Com, its agents, directors, employees, and officers from all claims, demands and damages, including but not limited to: actual, consequential, indirect, and special damages of every kind and nature, known and unknown, arising out of your use of our services.
            Resolution of Disputes 
            If a dispute arises between you and CPN Headquarters.Com, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and CPNHeadquarters.Com agree that we will resolve any claim or controversy at law or equity that arises out of this User Agreement or our services (a "Claim") in accordance with one of the subsections below or as we and you otherwise agree in writing. Before resorting to these alternatives, we strongly encourage you to first contact us directly to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.
            Law and Forum for Disputes - This User Agreement shall be governed in all respects by the laws of the state of New Hampshire as they apply to agreements entered into and to be performed entirely within New Hampshire between New Hampshire residents, without regard to conflict of law provisions. You agree that any claim or dispute you may have against CPN Headquarters.Com must be resolved by a court located in the State of New Hampshire except as otherwise agreed to by the parties or as described in the Arbitration Option paragraph below. You agree to submit to the personal jurisdiction of the courts located within the State of New Hampshire for the purpose of litigating all such claims or disputes. 
            Arbitration Option - For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $15,000, the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, that party shall initiate such arbitration through an established Alternative Dispute Resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration may be conducted in person, by telephone, online, and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration does not need to not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed to by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. 
            Improperly Filed Claims - All claims you bring against CPN Headquarters.Com must be resolved in accordance with this Resolution of Disputes section of this User Agreement. All claims filed or brought contrary to the Resolution of Disputes section of this User Agreement shall be considered improperly filed. If you file a claim contrary to the Resolution of Disputes section of this User Agreement, then CPN Headquarters.Com may recover attorneys' fees and costs incurred by CPN Headquarters.Com, provided that CPN Headquarters.Com has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim. Amendments CPN Headquarters.Com reserves the right to amend or change this User Agreement or any part of this User Agreement. Any amendment or change is effective when we post that amendment or change on our web site. 
            This User Agreement, and any contract signed by you with CPN Headquarters.Com, set forth the entire understanding and agreement between the parties with respect to the subject matter hereof. Welcome to CPN Headquarters.Com. The following User Agreement, in conjunction with the Disclosure Agreement and your written contract with CPN Headquarters.Com, describes the terms and conditions under which CPN Headquarters.Com offers you access to our services. By using the services of CPN Headquarters.Com, you agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in your written contract with CPN Headquarters.Com. 
            Before you may become a subscriber of CPN Headquarters.Com, you must read and accept all of the terms and conditions in, and linked to, this User Agreement and the Privacy Policy. We strongly recommend that you read this User Agreement in its entirety. This Agreement is effective as of August 1, 2007, for current users, and upon acceptance for new users.

The information provided within this contract is authorized by:

Contract Signature:

Full Name:

Authorization Date:

CPN Headquarters
"$59.99 CPN PLATINUM BUNDLE"
PERSONAL BUSINESS CONTRACT AGREEMENT

BY CLICKING 'SUBMIT' YOU AGREE TO THE TERMS OF THIS CONTRACT; WHICH WILL BE EMAILED TO CPN
HEADQUARTERS IMMEDIATELY.

Please DO NOT submit a contract application until you have made your payment. After you submit your payment you
will be automatically redirected to fill out your contract and application. If you need to be directed to submit your
payment please click Pay Now. After you submit your payment you will be automatically redirected to fill out your
contract and application.

DISCLAIMER


	IT IS OUR STATEMENT THAT CPN HEADQUARTERS IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of Defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. § 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. § 1679b(a)(2). Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a). CPNHeadquarters has posted this message in plain sight on the front page of our webpage so consumers can be aware "CPN's" are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS. IT IS OUR STATEMENT THAT CPNHEADQUARTERS IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: A. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; B. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer's own social security number is legal; C. Misrepresenting any material fact concerning the ability of Defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and D. Misrepresenting any fact material to a consumer's decision to purchase Defendant's products or services. E. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers' credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers ("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or alternative Social Security Numbers in lieu of the consumers' own Social Security Numbers; F. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer's own Social Security Number is legal; G. Misrepresenting any material fact concerning the ability of defendant's products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers' credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and H. Misrepresenting any fact material to a consumer's decision to purchase defendant's products or services. We have found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer's identification to prevent the display of the consumer's credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. § 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. § 1679b(a)(2). Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a). CPNHeadquarters has posted this message in plain sight on the front page of our webpage so consumers can be aware "CPN's" are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS. CPNHEADQUARTERS.COM USER AGREEMENT This notice applies to ALL CPNHeadquarters.com Subscribers! Welcome to CPNHeadquarters.Com The following User Agreement; in conjunction with CPNHeadquarters.Com Contract Agreement; and your written contract with CPNHeadquarters.Com, describes the terms and conditions under which CPNHeadquarters.Com offers you access to our services. By using the services of CPNHeadquarters.Com, you agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in your written contract with CPNHeadquarters.Com. Before you may become a subscriber of CPNHeadquarters.Com, you must read and accept all of the terms and conditions in, and linked to, this User Agreement and the Privacy Policy. We strongly recommend that you read this User Agreement in its entirety. This Agreement is effective as of August 1, 2007, for current users, and upon acceptance for new users. While using CPNHeadquarters.Com, you will not: Post content or items on the web site; Violate any laws, third party rights, or our policies; Use the web site if you are not able to form legally binding contracts, or are under the age of 18; fail to deliver payment services purchased by you; circumvent or manipulate our fee structure, the billing process, or fees owed to CPNHeadquarters.Com; Post false, inaccurate, misleading, defamatory, or libelous content (including personal information) on the web site; transfer your CPNHeadquarters.Com account to another party without our consent; distribute or post spam, chain letters, or pyramid schemes on the web site; Distribute viruses or any other technologies that may harm CPNHeadquarters.Com, or the interests or property of CPNHeadquarters.Com users; copy, modify, or distribute content from the web site or CPNHeadquarters.Com copyrights and trademarks; or, harvest or otherwise collect information about users, including email addresses, without their consent. CPNHeadquarters.Com works to keep the web site working properly and its customers safe. Please report problems, offensive content, and policy violations to us. Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, delay or remove hosted content, if any, and take technical and legal steps to keep users off the web site if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts or accounts that have been inactive for a long time. Fees and Services To join CPNHeadquarters.Com you must first sign a contract with CPNHeadquarters.Com. We do charge fees for using our services. The fees for our services are set forth on our web sites and in the contract. CPNHeadquarters.Com reserves the right to change its fees for both new and existing customers. However, fee changes are only effective as of the date a new customer signs a contract or an existing customer renews a contract with CPNHeadquarters.Com. We may choose to temporarily change the fees for our services for promotional events or new services. Such temporary changes are effective when we post the temporary promotional event or new service on the web site. Unless otherwise stated, all fees are quoted in U.S. Dollars. You are responsible for paying all fees and applicable taxes, if any, associated with our services in a timely manner with a valid payment method. If your payment method fails or your account is past due, we may collect fees owed using other collection mechanisms. These collection mechanisms include, but are not limited to: charging other payment methods on file with us, or retaining collection agencies and legal counsel to collect any amounts due from you. Limitation of Liability You will not hold CPNHeadquarters.Com responsible for other users' actions or inactions, including things they post. You acknowledge that we are not a traditional service provider. Instead, this web site is a venue to allow a customer an alternative method to improve that customer’s credit score but primarily establish a new personal business with a real business structure and all messiest that apply. To the best knowledge, information and belief of CPNHeadquarters.Com, the services offered by CPNHeadquarters.Com have not been deemed illegal, deceptive or fraudulent by any court or administrative agency having jurisdiction over the services provided by CPNHeadquarters.Com. By using our services, a customer assumes all risk that these services offered by CPNHeadquarters.Com may be declared illegal, deceptive or fraudulent by a court or administrative agency having jurisdiction over the services provided by CPNHeadquarters.Com. If the services provided by CPNHeadquarters.Com are declared illegal, deceptive or fraudulent by a court or administrative agency having jurisdiction over those services, then CPNHeadquarters.Com reserves the right to immediately terminate any or all contracts with any or all customers; and, to immediately modify or cease its operations based on scope of the decision of that court or administrative agency. Nothing in this User Agreement shall adversely alter or affect the governing provisions of the New Hampshire Consumer Protection Act. Furthermore, while CPNHeadquarters.Com has taken available precautions to protect its web site, CPNHeadquarters.Com cannot, and does not, guarantee absolutely continuous or secure access to our web site. Operation of the web site may be interfered with by numerous factors outside of our control. Accordingly, to the extent legally permitted, we exclude all implied warranties, terms, and conditions. We are not liable for any loss of personal information that may result from the acts of third parties, or any special, indirect, or consequential damages arising out of your use of our web site. To the extent that New Hampshire may not allow the disclaimer of warranties or the exclusion of damages, then any such disclaimers and exclusions may not apply to you. Regardless of the previous paragraph, if we are found to be liable for damages to you by a court or administrative agency having jurisdiction over our services, then our liability to you, or to any third party claiming damages through or on account of you, is limited to the total fees you paid to us under your current contract with us. Release Except as otherwise provided for in this User Agreement, you irrevocably release CPNHeadquarters.Com, its agents, directors, employees, and officers from all claims, demands and damages, including but not limited to: actual, consequential, indirect, and special damages of every kind and nature, known and unknown, arising out of your use of our services. If you are a New Hampshire resident, you waive any applicable provision of New Hampshire law, to the extent authorized by New Hampshire, which holds that a general release is not enforceable. Access and Interference You agree that you will not use any robot, spider, scraper or other automated means to access the web site for any purpose without our prior, express, written consent. Additionally, you agree that you will not: take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our infrastructure; copy, reproduce, modify, create derivative works from, distribute, or publicly display any content (except for your information) from the web site without the prior, express, written consent of CPNHeadquarters.com and any appropriate or necessary third party; interfere or attempt to interfere with the proper working of the web site or any activities conducted on the web site; or, Bypass any measures we may use to prevent or restrict access to the web site. Privacy The protection of your privacy is a fundamental principle of CPNHeadquarters.Com. We will not sell or rent your personal information to third parties for their marketing purposes without your prior, express, written consent. We use your information only as described in your contract and this User Agreement. We store and process your information on computers located in the United States that are protected by physical as well as technological security devices. If you object to your information being stored, transferred, or used in this way please do not use our services. Indemnity You will indemnify and hold CPNHeadquarters.Com, its agents, directors, employees, and officers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this User Agreement, or your violation of any law or the rights of a third party. No agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created between you and CPNHeadquarters.Com by this User Agreement. Notices Unless expressly stated otherwise, legal notices shall be served: on CPNHeadquarters.Com registered agent at its registered office; or, on you at the last known street address that you provided to CPNHeadquarters.Com during the registration process. A written notice shall be deemed successfully delivered three (3) business days after the date the written notice was placed in the United States mail, postage prepaid. Resolution of Disputes If a dispute arises between you and CPNHeadquarters.Com, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and CPNHeadquarters.Com agree that we will resolve any claim or controversy at law or equity that arises out of this User Agreement or our services (a "Claim") in accordance with one of the subsections below or as we and you otherwise agree in writing. Before resorting to these alternatives, we strongly encourage you to first contact us directly to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation. Law and Forum for Disputes - This User Agreement shall be governed in all respects by the laws of the state of New Hampshire as they apply to agreements entered into and to be performed entirely within New Hampshire between New Hampshire residents, without regard to conflict of law provisions. You agree that any claim or dispute you may have against CPNHeadquarters.Com must be resolved by a court located in the State of New Hampshire except as otherwise agreed to by the parties or as described in the Arbitration Option paragraph below. You agree to submit to the personal jurisdiction of the courts located within the State of New Hampshire for the purpose of litigating all such claims or disputes. Arbitration Option - For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $15,000, the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, that party shall initiate such arbitration through an established Alternative Dispute Resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration may be conducted in person, by telephone, online, and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration does not need to not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed to by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Improperly Filed Claims - All claims you bring against CPNHeadquarters.Com must be resolved in accordance with this Resolution of Disputes section of this User Agreement. All claims filed or brought contrary to the Resolution of Disputes section of this User Agreement shall be considered improperly filed. If you file a claim contrary to the Resolution of Disputes section of this User Agreement, then CPNHeadquarters.Com may recover attorneys' fees and costs incurred by CPNHeadquarters.Com, provided that CPNHeadquarters.Com has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim. Amendments CPNHeadquarters.Com reserves the right to amend or change this User Agreement or any part of this User Agreement. Any amendment or change is effective when we post that amendment or change on our web site. Additional Terms If any provision of this User Agreement is held to be invalid or unenforceable by a court of competent jurisdiction, then that provision shall be struck and the remaining provisions of this User Agreement shall be enforced without reference to that provision. In our sole discretion, we may assign this User Agreement in accordance with the Notices section hereof. The headings used in this User Agreement are for reference purposes only and do not limit the scope or extent of a section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee we will take action against all breaches of this User Agreement. When using particular services on the web site, you are subject to any posted policies or rules applicable to the services you use through the web site. These policies or rules may be posted from time to time. All such policies or rules are hereby incorporated into this User Agreement. The following sections of this User Agreement shall survive any cancellation, expiration, or termination of this User Agreement: Fees and Services (with respect to fees owed for our services), Release, Limitation of Liability, Indemnity, and Resolution of Disputes. This User Agreement, and any contract signed by you with CPNHeadquarters.Com, set forth the entire understanding and agreement between the parties with respect to the subject matter hereof. Welcome to CPNHeadquarters.Com. The following User Agreement, in conjunction with the Disclosure Agreement and your written contract with CPNHeadquarters.Com, describes the terms and conditions under which CPNHeadquarters.Com offers you access to our services. By using the services of CPNHeadquarters.Com, you agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in your written contract with CPNHeadquarters.Com. Before you may become a subscriber of CPNHeadquarters.Com, you must read and accept all of the terms and conditions in, and linked to, this User Agreement and the Privacy Policy. We strongly recommend that you read this User Agreement in its entirety. This Agreement is effective as of January 1, 2009, for current users, and upon acceptance for new users that are using CPNHeadquarters.Com