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  Terms of Service
Posted by: Michael Puttman - 12-24-2017, 11:03 AM - Forum: General Information & User Guidelines - No Replies

Terms of Service

Your use of Michael Puttman’s Small-Dollar Loan Forums [“Small-Dollar Loan Forums”] is governed by these Michael Puttman’s Small-Dollar Loan Forums Terms of Service, together with the Michael Puttman's Privacy Policy and Michael Puttman's Terms of Use [collectively, the "Terms"]. The Terms describe the permitted and prohibited uses of Small-Dollar Loan Forums, among other things. Your accsess or use of Small-Dollar Loan Forums evidences your acceptance of the then-current version of the Terms, and any related rules and guidelines posted on the MichaelPuttman.com web site [the “Site”].

MichaelPuttman.com reserves the right to modify the Terms at any time, effective upon posting of the modified Terms on Small-Dollar Loan Forums or, in the case of the Michael Puttman's Privacy Policy or the Michael Puttman's Terms of Use, on any other MichaelPuttman.com sponsored website. MichaelPuttman.com also reserves the right to apply, waive, or modify these Terms as they apply to a specific posting and user without affecting the application of these Terms to all other postings and users.

"Posting" means, but is not limited to, any text, links, images, communications, opinions, software, data, and any other content any person provides on Small-Dollar Loan Forums, including, but not limited to message boards, chats, blogs, or otherwise. Your use of Small-Dollar Loan Forums, or any materials or services accessible through it, after a Posting or notification regarding modifications to the Terms constitutes your acceptance of those modifications. Your violation of any of the Terms may result in the suspension or termination of your access or use of Small-Dollar Loan Forums.

Using Small-Dollar Loan Forums
Small-Dollar Loan Forums is intended to provide consumers with the opportunity to exchange useful and helpful information. MichaelPuttman.com does not read or review every posting; however, we may edit or remove any posting we consider, in our sole discretion, to violate the Terms or be inappropriate for Small-Dollar Loan Forums for any reason.

Appropriate Conduct
Users of Small-Dollar Loan Forums are responsible for exercising careful and appropriate judgment in evaluating and taking action based on other participants' postings on Small-Dollar Loan Forums, since such postings may reflect significantly different levels of knowledge and experience by participants. Users of Small-Dollar Loan Forums agree that MichaelPuttman.com is not responsible for the accuracy of the content of Small-Dollar Loan Forums and will not be liable for any damages incurred as a result of their use of any such content. Participants may post hypertext links to content hosted and maintained by third parties. MichaelPuttman.com has no obligation to monitor these linked sites, and is not responsible for them. Accessing any such linked sites is done entirely at the user’s own risk.

Posting to Small-Dollar Loan Forums
Users of Small-Dollar Loan Forums agree not to upload, post, or otherwise transmit any content (including but not limited to text, links, communications, software, images, sounds, data, or other information) that includes any of the following inappropriate content:

Discussions including race, nationality, sex, religion, politics;

Any personal information belonging either to the poster or another person not considered a "public figure", including, but not limited to, full name, address, phone number, email address, social media accounts (Facebook, Linkedin, etc.);

Promotion of a credit repair organization, as defined in the federal Credit Repair Organizations Act or similar state laws, or the services of such an organization;

Spam, such as advertisements for other web sites and services, or other solicitation; chain letters, pyramid schemes, or securities offerings

Profanity; material that is libelous, fraudulent, unlawful, defamatory, pornographic, obscene, profane, abusive, offensive, threatening, hateful, or otherwise objectionable;

Discussion of illegal or unethical activities or providing links to other websites containing such information;

Posting a link to the poster’s personal blog or website without explicit permission from a Small-Dollar Loan Forums administrator;

Posting a link directing users to any information or content that, if posted on Small-Dollar Loan Forums, would constitute a violation of the Terms or of any State or Federal law;

Material, the posting of which violates any party’s copyright or other intellectual property rights;

Posting, publishing, uploading, reproducing, transmitting or distributing in any way any content belonging to MichaelPuttman.com, or derivative works with respect thereto;

Posting or transmitting any information or software containing a virus, worm, Trojan horse, or other damaging or destructive component;

"Bombing” Small-Dollar Loan Forums or individual threads with repetitive or meaningless postings, postings unrelated to the purpose of Small-Dollar Loan Forums, excessive cross-posting;

Attacks, including “Flaming” another user or entity in such a way as to incite or perpetuate an argument or conflict; creating usernames to attack other users’ identities; impersonating other individuals or falsely representing one’s identity or qualifications; posts made under secondary user names or other aliases for the purpose of either endorsing or denigrating others; posts that breach any participant’s privacy by including name, address, phone, email address, or any other identifying information.

Discussion of moderator decisions or actions, or about the work of moderators, unless a moderator has invited members to post feedback in a particular thread. If you need to comment on a moderator action, please send a private message to any administrator or moderator.

Registration Requirements
While registration is not required to read postings on Small-Dollar Loan Forums, users must register an account with MichaelPuttman.com in order to post to Small-Dollar Loan Forums.
MichaelPuttman.com may refuse to grant you, and you may not use, a username that is already being used by someone else, belongs to or impersonates another person, violates the intellectual property or other rights of any person (including but not limited to trademark rights), is offensive, or that MichaelPuttman.com rejects for any other reason in its sole discretion. Participants agree that all information provided in a profile is accurate, up to date, and complete, and that it will be kept updated. MichaelPuttman.com may terminate your account if any of the information provided is found to be inaccurate, out of date, or incomplete.

Privacy Concerns
MichaelPuttman.com strongly discourages users from posting personally identifiable information on Small-Dollar Loan Forums. Any information posted on Small-Dollar Loan Forums is at the user’s own risk.  MichaelPuttman.com respects and protects the privacy of our customers and those who use our websites, and the Michael Puttman's Privacy Policy provides details of our approach to privacy and how we collect, use and protect personal information. But information posted on Small-Dollar Loan Forums is not protected and can be easily obtained and used by others.

Moderators
MichaelPuttman.com reserves the right to manage the postings on Small-Dollar Loan Forums to provide an orderly presentation of this information. To effectively manage Small-Dollar Loan Forums, MichaelPuttman.com may designate employees to act as moderators and administrators for Small-Dollar Loan Forums [“Moderators”]. These Moderators are the only representatives of MichaelPuttman.com authorized to manage Small-Dollar Loan Forums. Any MichaelPuttman.com employees who are not designated as Moderators are not authorized to represent themselves on Small-Dollar Loan Forums as MichaelPuttman.com employees. MichaelPuttman.com is not responsible for content provided by any MichaelPuttman.com employee who is not designated as a Moderator.

Community Monitoring
Users are asked to help MichaelPuttman.com keep Small-Dollar Loan Forums a valuable and enjoyable information resource for all participants by notifying us of any offending messages or other violations of these Terms. To advise us of such a posting, click the confidential “Report Abuse to a Moderator” link on the applicable post. Repeat offenders will be contacted by email and eventually banned from Small-Dollar Loan Forums. If violations are egregious in nature, we will contact the appropriate authorities.

Modification and discontinuance of Small-Dollar Loan Forums
MichaelPuttman.com reserves the right at any time to delete, modify, suspend, or discontinue, temporarily or permanently, Small-Dollar Loan Forums (or any part of Small-Dollar Loan Forums, including any postings) with or without notice. Users agree that MichaelPuttman.com will not be liable to users or third parties for any modification, suspension, or discontinuance of Small-Dollar Loan Forums.

Termination
A user’s privilege to utilize or access Small-Dollar Loan Forums may be terminated by MichaelPuttman.com immediately and without notice if the user fails to comply with any term or condition of the Terms. Upon such termination, the user must immediately cease accessing or utilizing Small-Dollar Loan Forums and agree not to re-register or otherwise make use of Small-Dollar Loan Forums. Furthermore, the user acknowledges that MichaelPuttman.com reserves the right to take action -- technical, legal, or otherwise -- to block, nullify, or deny the user’s ability to access Small-Dollar Loan Forums. The user understands that MichaelPuttman.com may exercise this right in its sole discretion.

Disclaimer of Warranties and Limitation of Liability
MOST OF THE CONTENT POSTED TO SMALL-DOLLAR LOAN FORUMS IS PROVIDED BY THIRD PARTIES NOT AFFILIATED WITH MICHAELPUTTMAN.COM. THIRD-PARTY CONTENT IS THE SOLE RESPONSIBILITY OF THE PERSON ORIGINATING THAT CONTENT. THE USER AGREES THAT MICHAELPUTTMAN.COM DOES NOT CONTROL, AND IS NOT RESPONSIBLE IN ANY WAY FOR, THIS THIRD-PARTY CONTENT. ADDITIONALLY, THE USER AGREES THAT MICHAELPUTTMAN.COM IS NOT LIABLE FOR, AND THE USER SHALL INDEMNIFY AND HOLD MICHAELPUTTMAN.COM, AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES HARMLESS FROM ANY CLAIM, INCLUDING REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY RELATING TO OR ARISING OUT OF CONTENT SUBMITTED, POSTED, TRANSMITTED, OR MADE AVAILABLE THROUGH SMALL-DOLLAR LOAN FORUMS, USE OF SMALL-DOLLAR LOAN FORUMS, VIOLATION OF THE TERMS OR VIOLATION OF ANY RIGHTS OF ANOTHER. THE CONTENT ON SMALL-DOLLAR LOAN FORUMS IS "AS IS" AND CARRIES NO WARRANTIES. MICHAELPUTTMAN.COM DOES NOT WARRANT OR GUARANTEE THE ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS, OR QUALITY OF ANY CONTENT ON SMALL-DOLLAR LOAN FORUMS, REGARDLESS OF WHO ORIGINATES THAT CONTENT. MICHAELPUTTMAN.COM DOES NOT WARRANT THAT SMALL-DOLLAR LOAN FORUMS IS SECURE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, OR OTHER LIMITATIONS. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOU BEAR ALL RISKS ASSOCIATED WITH USING OR RELYING ON THAT CONTENT. MICHAELPUTTMAN.COM IS NOT LIABLE OR RESPONSIBLE IN ANY WAY FOR ANY CONTENT POSTED ON OR LINKED FROM SMALL-DOLLAR LOAN FORUMS, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN CONTENT, OR FOR ANY LOSSES OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF OR RELIANCE ON ANY CONTENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MICHAELPUTTMAN.COM AND ITS REPRESENTATIVES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES RELATING TO LOSS OF BUSINESS, TELECOMMUNICATION FAILURES, LOSS, CORRUPTION, SECURITY OR THEFT OF DATA, LOSS OF PROFITS OR INVESTMENT, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, PRODUCT LIABILITY, OR OTHERWISE, EVEN IF MICHAELPUTTMAN.COM OR ITS REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN MICHAELPUTTMAN.COM AND THE USER.

Miscellaneous
The Terms are a complete statement of the agreement between you and MichaelPuttman.com, and set forth the entire liability of MichaelPuttman.com and your exclusive remedy with respect to your access and use of Small-Dollar Loan Forums. In the event of a conflict between these Small-Dollar Loan Forums Terms of Service and either the Michael Puttman's Privacy Policy or the Michael Puttman's Terms of Use applicable to MichaelPuttman.com, these Terms of Service prevail. The agents and employees of MichaelPuttman.com (including Moderators) are not authorized to make modifications to the Terms, or to make any additional representations, commitments, or warranties binding on MichaelPuttman.com. Any waiver of the Terms by MichaelPuttman.com must be in a writing signed by an authorized officer of Fair Isaac Corporation and expressly referencing the applicable provisions of the Terms. Your privilege to use or access Small-Dollar Loan Forums may be terminated by MichaelPuttman.com immediately and without notice if you fail to comply with any of the Terms. Upon such a termination, you must immediately cease accessing or using Small-Dollar Loan Forums. If any provision of the Terms is invalid or unenforceable under applicable law, then it is to be, to that extent, deemed omitted, and the remaining provisions will continue in full force. The Terms do not limit any rights that MichaelPuttman.com may have under trade secret, trademark, copyright, patent, or other laws.

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  Welcome to the Michael Puttman’s Small-Dollar Loan Forums
Posted by: Michael Puttman - 12-24-2017, 08:51 AM - Forum: General Information & User Guidelines - No Replies

Welcome to the Michael Puttman’s Small-Dollar Loan Forums

I am Michael Puttman and I provide the Michael Puttman’s Small-Dollar Loan Forums as an educational and entertaining platform for people to share their lending knowledge and personal financial experiences with other members of this online community.

I encourage you to visit the Michael Puttman’s Small-Dollar Loan Forums often to read and participate in discussions about such credit and personal finance concerns as:

  • Understanding small-dollar loan requirements
  • How, when, why and where to use small-dollar loans products
  • Understanding small-dollar loan credit reporting
  • Applying for small-dollar loans
  • Resolving financial difficulties
I believe that through credit education and by taking greater individual control of personal finances, people are better able to achieve the financial goals that will help to enrich and fulfill their lives.

I hope you enjoy the Michael Puttman’s Small-Dollar Loan Forums!

Sincerely,

Michael Puttman

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  User Guidelines
Posted by: Michael Puttman - 12-24-2017, 08:49 AM - Forum: General Information & User Guidelines - No Replies

User Guidelines

Our Mission
MichaelPuttman.com provides the Michael Puttman's Small-Dollar Loan Forums as an educational and entertaining platform for U.S. consumers to share their credit knowledge and credit-related personal experiences with other members of this online consumer community.  We encourage you to visit the Michael Puttman's Small-Dollar Loan Forums often to read and participate in discussions about such small-dollar loan issues as credit scoring, credit bureau reporting, applying for credit, resolving financial difficulties, and other topics of interest to this community.  It is our belief that through credit education and taking greater individual control of personal finances, consumers are better able to achieve the financial goals that will help to enrich and fulfill their lives. We hope you enjoy the Michael Puttman's Small-Dollar Loan Forums!

Welcome to Michael Puttman's Small-Dollar Loan Forums
To ensure that the Michael Puttman's Small-Dollar Loan Forums remains useful and enjoyable for all online community members, upon registering you will be expected to observe the following the Michael Puttman's Small-Dollar Loan Forums User Guidelines:

Questions about Michael Puttman's Small-Dollar Loan Forums
New Michael Puttman's Small-Dollar Loan Forums participants with questions about posting to the message boards are encouraged to read our FAQs or simply post a message and a community member or Moderator will be glad to help.

Registration and privacy
While no registration is required to view the forums, participants wishing to post a message must register by creating an account with MichaelPuttman.com.  The personal information provided by Michael Puttman's Small-Dollar Loan Forums participants as part of this registration process is governed by our Michael Puttman's Small-Dollar Loan Forums Terms of Service, Michael Puttman's Small-Dollar Loan Forums Privacy Policy and Michael Puttman's Small-Dollar Loan Forums Terms of Use.  This personal information is not shared with third parties unrelated to Michael Puttman's Small-Dollar Loan Forums for use for their own marketing purposes without the participant’s consent.

Ideas, opinions, and viewpoints of participants
The ideas, opinions, and viewpoints expressed in Michael Puttman's Small-Dollar Loan Forums belong solely to its participants.  Michael Puttman's Small-Dollar Loan Forums does not necessarily agree or disagree with, or in any way endorse comments posted to these forums; nor is Michael Puttman's Small-Dollar Loan Forums responsible for the accuracy of the content of the forums or liable for any damages resulting from following recommendations posted by community members on Michael Puttman's Small-Dollar Loan Forums.

Inappropriate material
In the spirit of a healthy and helpful community, profanity, spam, personal attacks, flaming, and other inappropriate postings are not tolerated.  Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in Michael Puttman's Small-Dollar Loan Forums.

Moderators
Michael Puttman's Small-Dollar Loan Forums may monitor postings to Michael Puttman's Small-Dollar Loan Forums for the purpose of maintaining an orderly arrangement of the information being shared and ensuring that community members adhere to the Michael Puttman's Small-Dollar Loan Forums User Guidelines.  This monitoring is carried out by individuals designated as “Moderators” by Michael Puttman's Small-Dollar Loan Forums and identified in the community by the “Moderator” title.  Moderators can also answer questions related to the forum software, Michael Puttman's Small-Dollar Loan Forums User Guidelines, or other matters to help users have a successful and productive experience in the Michael Puttman's Small-Dollar Loan Forums.

Failure to comply with guidelines
Privileges to participate in Michael Puttman's Small-Dollar Loan Forums may be terminated by Michael Puttman's Small-Dollar Loan Forums immediately and without notice for failure to comply with any Michael Puttman's Small-Dollar Loan Forums User Guidelines or Michael Puttman's Small-Dollar Loan Forums Terms of Use.

Disclaimer of warranties and limitation of liability
Most of the material in Michael Puttman's Small-Dollar Loan Forums is posted by third-party participants.  Such content is the sole responsibility of the originator of the material.  Michael Puttman's Small-Dollar Loan Forums is not responsible for this third-party material; nor does it warrant or guarantee the accuracy, reliability, completeness, usefulness, non-infringement on intellectual property rights, or quality of any material that appears in Michael Puttman's Small-Dollar Loan Forums, regardless of who originates the material.  Participants understand and agree to bear all risks associated with using or relying on the material.  Michael Puttman's Small-Dollar Loan Forums will not be liable or responsible in any way for any content in the Michael Puttman's Small-Dollar Loan Forums, including, but not limited to, any errors or omissions in the material, or for any losses or damage of any kind incurred as a result of the use of or reliance on any such material.  This disclaimer and limitation on liability is in addition to the disclaimers and limitations contained in Michael Puttman's Small-Dollar Loan Forums Terms of Service and Michael Puttman's Small-Dollar Loan Forums Terms of Use.

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