TERMS OF SERVICE

Online Terms of Service
Last Updated: August 2022

Please note: All calls with Hardship Department LLC may be recorded or monitored for quality assurance and training purposes.

AGREEMENT BETWEEN USER AND HARDSHIP DEPARTMENT LLC

Please read the following Terms of Service (“Terms”) carefully. These Terms govern your use of this website and are legally binding. If you do not agree to these Terms, please do not access or use this site or any services offered through it. Your continued use of this website constitutes your agreement to be bound by these Terms.

Arbitration Notice

This agreement includes a binding arbitration clause that affects your legal rights. By using this site, you agree that any disputes related to the use of this website or any services provided will be resolved through individual arbitration, rather than jury trials or class actions. You may opt out of this arbitration clause as described below.

Our Services

Hardship Department LLC (“we,” “us,” or “our”) provides access to educational resources, financial tools, communication platforms, and other services through www.hardship180.com (“The Site”). These resources may include advertisements or sponsored content, which help us provide services to users.

We make no warranties as to the availability, accuracy, or reliability of our services and provide them “as-is.” Hardship Department LLC does not advertise, offer, or sell credit repair services through this website.

Equal Access Policy

We are committed to ensuring equal opportunity to our programs and services. We do not discriminate based on race, color, religion, sex, marital status, citizenship, national origin, veteran status, or disability.

Changes to These Terms or the Service

We reserve the right to update or modify these Terms at any time. You are responsible for reviewing these Terms periodically. Continued use of our services following any changes indicates acceptance of the revised Terms.

We may also modify or discontinue any part of our services at any time, with or without notice. We are not liable to you or any third party for any changes or service interruptions.

User Conduct & Responsibilities

You agree to use the Site for lawful purposes only. You must not:

• Violate any local, state, or federal laws
• Transmit harmful or unlawful content
• Distribute spam or unsolicited communications
• Post any content that violates the rights of others
• Attempt to access restricted areas of the website without authorization
• Impersonate another person or misrepresent your affiliation
• Upload malware or viruses
• Engage in any activity that could disrupt or interfere with the service

We reserve the right to monitor and remove content or suspend access for any violation of these Terms.

Registration and Account Security

When registering for services, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

You agree to notify us immediately at snorris@hardshipdepartment.com if you suspect unauthorized use of your account. We are not responsible for losses resulting from unauthorized use of your account.

Privacy

Your registration and other data are subject to our Privacy Policy. Please review it to understand our practices.

Limitation of Liability

To the maximum extent permitted by law, Hardship Department LLC is not liable for any indirect, incidental, or consequential damages resulting from your use of our website or services, even if advised of the possibility of such damages.

Content Ownership and Use

You retain ownership of any content you upload or submit. However, by submitting content, you grant us and our affiliates the right to use, reproduce, and distribute that content as needed to operate our services.

You may not reproduce or republish content from this website without our written permission. You may link back to our articles using a direct URL and up to 25 quoted words for discussion purposes.

Auto-Dialed Calls and SMS

By submitting your contact information through www.hardship180.com, you consent to be contacted via phone, email, or SMS, including the use of automated dialing systems. Consent is not a condition of purchase.

To opt out of SMS:

• Text “STOP” to 949-357-7373
• For help, text “HELP” to the same number
• Standard message and data rates may apply

Disputes and Arbitration Agreement

Any disputes arising from your use of this website or our services will be resolved through binding arbitration under the rules of the American Arbitration Association, held in Casper, WY. You waive the right to join claims with others or participate in class actions.

You may opt out of arbitration within 30 days of using the site by sending written notice to:

Hardship Department LLC
Attn: Legal Department
312 W. 2nd St
Casper, WY 82601
📧 Email: snorris@hardshipdepartment.com

Please include:

1. Your name and address
2. The email and phone number associated with your account
3. A clear statement requesting to opt out of arbitration

Contact Us

If you have any questions about these Terms, please contact us:

Hardship Department LLC
312 W. 2nd St
Casper, WY 82601
📧 snorris@hardshipdepartment.com
📞 949-357-7373
🌐 www.hardship180.com