Terms of Service

I. General

This website (the "Site") is owned and operated by Owe Back Tax LLC ("Company," "we," or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Company. Accessing the Site in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site from time to time. If we do, we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service as modified.

II. Intellectual Property Rights

Our License to You

This Site and all materials available on it are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal, noncommercial use. You may not use the Site or its materials in a manner that infringes our rights or that has not been authorized by us.

Unless explicitly authorized in these Terms of Service or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, exploit, or distribute in any manner or medium any material from the Site. You may, however, download and/or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

You may establish a hypertext link to the Site as long as the link does not state or imply any sponsorship of your site by us. However, you may not, without our prior written permission, frame or inline-link any content of the Site, or incorporate any of our material, content, or intellectual property into another website or service.

Your License to Us

By posting or submitting any material to us via the Site, social media, or to any of our staff via email, text, or otherwise, you represent: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner; and (ii) that you are thirteen years of age or older.

When you submit, email, text, deliver, or post any material, you grant us and anyone authorized by us a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium now known or hereafter developed, for any purpose. This includes the right to exploit any proprietary rights in such material, including rights under copyright, trademark, service mark, or patent law.

You acknowledge that Company has the right but not the obligation to use and display any postings or contributions of any kind, and that Company may elect to cease the use and display of any such materials at any time for any reason.

III. Disclaimers

Throughout the Site, we may provide links and pointers to websites maintained by third parties. Linking to such sites does not imply an endorsement or sponsorship of those sites, or the information, products, or services offered through them. We do not operate or control any information, products, or services that third parties may provide on or through the Site or on websites linked to by us.

Any opinions, advice, statements, services, offers, or other information expressed or made available by third parties, including information providers, are those of the respective authors or distributors and not of Company.

You agree at all times to defend, indemnify, and hold harmless Company, its affiliates, successors, transferees, assignees, licensees, and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders, and employees from and against any and all claims, causes of action, damages, liabilities, costs, and expenses, including legal fees, arising out of or related to your breach of any obligation, warranty, representation, or covenant set forth herein.

IV. Online Commerce

Certain sections of the Site may allow you to purchase products and services online that are provided by third parties. We are not responsible for the quality, accuracy, timeliness, reliability, or any other aspect of these products and services.

If you make a purchase from a merchant on the Site or on a site linked to by the Site, the information obtained during your visit to that merchant's store, including your credit card number and contact information, may be collected by both the merchant and us. A merchant may have privacy and data collection practices that differ from ours. We have no responsibility or liability for these independent policies.

Your participation, correspondence, or business dealings with any third party found on or through our Site are solely between you and that third party. Company shall not be responsible or liable for any loss, damage, or other matters incurred as the result of such dealings.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site. You agree to use the Site and purchase services or products only for legitimate, non-commercial purposes, and not for speculative, false, or fraudulent purposes.

Your purchase is for personal use only. Sharing of purchases is not permitted and will be considered unauthorized use of our copyrighted material.

If payment for a product is declined, our system will automatically disable access to our premium materials. We will make every attempt to contact you to help resolve the billing issue. Once resolved, access will be restored.

V. Interactive Features

This Site may include features such as bulletin boards, web logs, chat rooms, and email services. Responsibility for what is posted on public areas of the Site lies with each user. You alone are responsible for the material you post or send. As a condition of your use of the Site, you agree not to:

• Restrict or inhibit any other user from using and enjoying the Site
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity
• Interfere with or disrupt any servers or networks used to provide the Site or its features
• Instigate or encourage others to commit illegal activities or cause injury or property damage to any person
• Gain unauthorized access to the Site, any account, computer system, or network connected to this Site by means such as hacking, password mining, or other illicit means
• Attempt to obtain any materials or information through any means not intentionally made available through this Site
• Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind
• Post or transmit any information, software, or other material that violates or infringes upon the rights of others, including material protected by copyright, trademark, or other proprietary right, without first obtaining permission from the owner
• Post or transmit any information, software, or other material that contains a virus or other harmful component
• Post, transmit, or exploit any information, software, or other material for commercial purposes or that contains advertising, without our express written approval
• Gather for marketing purposes any email addresses or other personal information posted by other users of the Site

Company or its designated agents may remove or alter any user-created content at any time for any reason. Company expressly disclaims all responsibility for and makes no representation as to the validity of any opinion, advice, information, or statement made by third parties in any public forums on the Site.

Company has no obligation to monitor content or postings on message boards, chat rooms, or other public forums. However, we reserve the right to monitor, alter, edit, refuse to post, or remove any postings or content, in whole or in part, for any reason.

VI. Registration

To access certain features of the Site, we may ask you to provide demographic information including your gender, year of birth, zip code, and country. If you elect to sign up for a particular feature such as chat rooms, web logs, or bulletin boards, you may also be asked to register and provide personally identifiable information such as your name and email address.

You agree to provide true, accurate, current, and complete information as prompted by the Site's registration form. If we have reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site. Our use of any personally identifiable information you provide during registration is governed by the terms of our Privacy Policy.

VII. Passwords

To use certain features of the Site, you will need a username and password obtained through the Site's registration process. You are responsible for maintaining the confidentiality of your password and account, and for all activities that occur under your password or account, whether by you or by others.

You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information.

VIII. Limitation of Liability

You acknowledge and agree that no representation has been made by Company or its affiliates and relied upon as to the future income, expenses, sales volume, or potential profitability that may be derived from participation in this program.

IX. Termination

We may cancel or terminate your right to use the Site or any part of the Site at any time without notice. Upon cancellation or termination, you are no longer authorized to access the affected part of the Site. The restrictions imposed on you with respect to material downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms of Service, shall survive any termination.

X. Refund Policy

Your purchase of a product, service, or ticket to an event may or may not provide for any refund. Each specific product, service, event, or course will specify its own refund policy at the time of purchase.

XI. DMCA & Copyright

The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials hosted by Company infringe your copyright, you or your agent may send Company a notice requesting that the material be removed or access to it be blocked.

Any notification that fails to comply with the requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon Company actual knowledge of infringing material. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send Company a counter-notice.

All notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See loc.gov/copyright for details.

XII. Governing Law & Other Terms

These Terms of Service shall be governed by and construed in accordance with the laws of the applicable state of operation. Any dispute shall be subject to binding arbitration in the applicable jurisdiction.

This Agreement shall be binding upon and inure to the benefit of Company and our respective assigns, successors, heirs, and legal representatives. Neither this Agreement nor any rights hereunder may be assigned without the prior written consent of Company. Notwithstanding the foregoing, all rights and obligations under this Agreement may be freely assigned by Company to any affiliated entity or any of its wholly owned subsidiaries.

If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable, that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.

This policy may be changed at any time at our discretion. If we update this policy, we will post the updates to this page on our website.

XIII. Questions & Contact

If you have any questions or concerns regarding these Terms of Service or our Privacy Policy, please contact us: