Tim and Julie Harris (HREC)
Customer Agreement
 
By submitting my order to Tim and Julie Harris I agree that I am agreeing to a monthly subscription payment plan for the duration of my enrollment at Tim and Julie Harris Real Estate Coaching. I understand that I can cancel my subscription at any time, and that in order to cancel I must contact Tim and Julie Harris at (866) 422-9497 to request cancellation. I understand that the subscription program I have agreed to is provided at-will by Tim and Julie Harris, may be terminated at any time, and that I will not receive compensation for any financial impact that may occur as a result of program or enrollment termination.

In regards to account cancellation or change of enrollment status, I agree to pay the amount agreed upon for the duration of enrollment and that if I decide to cancel I must do so through Tim and Julie Harris, and will contact HREC support at (866) 422-9497 to request cancellation or report any problems with my order or service. I agree not to cancel this transaction with my bank or Credit Card Company, and that doing so may initiate collections and submit a negative report to Consumer Credit Reporting agencies.  Credit Card Fraud is a criminal offense in any country.  Theft of services is a serious offense.  I understand that the program is not just a downloadable package or audio tele-classes, and that not logging into the software or the website does NOT void any part of the agreements. I understand that once my user name and password have been issued to me in any way HREC deems appropriate (email, over the phone through customer service, or voicemail etc) I am responsible to log-in to access the services that I have paid for.
 
Universal Terms for Tim and Julie Harris, Products and Services.
 
This Agreement ("Agreement"), is by and between Harris Success Systems, DBA Tim and Julie Harris, or 'HREC'.  And/or its subsidiaries and agents and You, your heirs, agents, successors and assigns ("You").  The contract is made effective as of the date of electronic execution.  This Agreement sets  the terms and conditions of your use of HREC, it's products, it's website, and it's webinars, classes, and other intellectual property and trade secrets.  It explains HREC obligations to you and your obligations to HREC, in relation to the use of HREC products and services.
 
This Agreement as well as any additional policies, together with all modifications thereto, constitute the complete and exclusive agreement between you and HREC concerning your use and purchase of HREC products and services, and supersede and govern all prior proposals, agreements, and/or other communications.  All herein and made part of this Agreement by reference.  By purchasing all terms and conditions of this Agreement and any other policies or agreements made part of this Agreement by reference, as well as any new, different or additional terms, conditions or policies which HREC may establish from time to time, and any agreements that HREC is currently bound by or will be bound by in the future.  You may view the latest version of this Agreement online.
 
In addition to transactions entered into by you on your behalf, you also agree to be bound  by the terms of this Agreement for transactions entered into on you behalf by anyone acting as your Agent, and transactions entered into by anyone who uses the account you've established with HREC, whether or not the transactions were in your behalf.  This includes all team members, staff, and others who have entered into agreements on your behalf or theirs.
 
 
The General Terms in this Section apply to all customers/ students and clients of HREC.
 
GENERAL TERMS APPLICABLE TO ALL PROGRAMS, PRODUCTS AND SERVICES.
 
1. TERM OF AGREEMENT; MODIFICATIONS.
 
You agree that HREC may modify this Agreement and the Services from time to time.    You agree to be bound by any changes HREC may reasonably make to this Agreement when such changes are made.  If you have purchased Products or services, the term of this Agreement shall continue in full force and effect for the term of the agreement as stated on the HREC website (where you completed your enrollment), whether or not you take advantage of and use the products, services and software.  In the event you terminate your usage (at the end of your contract term), HREC shall not be bound by any representations made by third parties who you may use to purchase services from, and that any statement of a general nature, which may be posted on HREC website or contained in HREC promotional materials, will not bind HREC in any way.  HREC may, at times, offer certain promotions with different charges and features.  You agree that you will be responsible for notifying HREC should you desire to terminate your use of HREC services at the end of your contract term.  Participant must give their notification to cancel via phone, at 866 422 9497.  All HREC contracts are legal and binding.  If you are unsure of your billing date, contact our customer service for clarification.  Any failure of participant  to participate in any portion of the programs and / or activities or services does NOT entitle the participant to an extension of the program, nor does it entitle the participant to any refunds of any program fees paid.  Program contents and materials are subject to change without notice.  HREC at its sole discretion, may change, add, and /or edit the materials , topics, media, speakers, or experts described and/or change, substitute, add or change the schedule  and teleconference calls or training described.  A change to any of the above does not entitle the participant to a refund of any sort.  No refunds for any reason at any time.
 
2. ACCURATE INFORMATION.
 
You agree to maintain accurate information by providing updates to HREC, as needed, while you are using HREC services.  You agree you will notify HREC within 5 business days when any change of the information you provided as part of the application and/or registration process changes.  Failure by You, for whatever reason, to respond within 5 business days to any inquiries made by HREC to determine the validity of information provided by you will constitute a material breach of this Agreement.  You agree that HREC may use and rely on any such information provided by you for all purposes in connection with Your Services, subject to HREC Privacy Policy.  If you provide any information that is inaccurate, not current, false, misleading or incomplete, or if HREC has reasonable grounds to suspect that your information is inaccurate, not current, false, misleading or incomplete, HREC has the absolute right, in its sole discretion, to terminate its Services and close your account.
  
3. PRIVACY.
 
HREC does not share email addresses, phone numbers, etc, without permission.  Only officers of HREC have access to this information.
 
4.  ACCOUNT SECURITY
 
You agree you are entirely responsible for maintaining the confidentiality of your customer number / login, password, credit card number, and security codes.  Collectively, the 'Account Access Information'.  You agree you are entirely responsible for any and all activities that occur under your account.  You agree to notify HREC immediately of any unauthorized use of your account or any other breach of security. You agree HREC will not be liable for any loss that you may incur as a result of someone else using your Account Access Information, either with or without your knowledge.  You further agree you could be held liable for losses incurred by HREC or another party due to someone else using your Account Access Information.  For security purposes, you should keep Account Access Info in a secure location and take precautions to prevent others from gaining access to your Access Info.  You agree that you will be responsible for all activity in your account, whether initiated by you, or by others on your behalf or by any other means.  HREC specifically disclaims liability for any activity in your account, whether authorized by you or not.
 
5.  NO UNLAWFUL CONDUCT OR IMPROPER USE.
 
As a condition of your use of HREC products and services, you agree not to use them for any purpose that is unlawful or prohibited by these terms and conditions, and you agree to comply with any applicable local, state, federal and international laws, government rules or requirements.  You agree you will not be entitled to a refund of any fees paid to HREC if for any reason, HREC takes corrective action with respect to your improper or illegal use of HRECs products and services.
 
HREC reserves the right at all times to disclose any information as HREC deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, with HREC sole discretion.
 
Except as set forth below, HREC may also cancel your use of the services, after 30 days, if you are using the services as determined by HREC in its sole discretion, in association with spam or morally objectionable activities.  Morally objectionable activities will include, but not be limited to: activities designed to defame, embarrass, harm, abuse, threaten, slander or harass third parties; activities prohibited by the laws of the United States, and/or foreign territories in which you conduct business.  Activities designed to encourage unlawful behavior by others, such as hate crimes, terrorism and child pornography' activities which are tortuous, vulgar, obscene, invasive of the privacy of a third party, racially, ethnically, or otherwise objectionable activities designed to impersonate the identity of a third party illegal access to other computers or activities designed to harm or use unethically minors in any way.  In the event HREC deletes your Services because they are being used in association with spam or morally objectionable activities, no refund will be issued.  You agree you will not be entitled to a refund of any fees paid to HREC if for any reason, HREC takes corrective action with respect to Your improper or illegal use of its services.
 
6. NO SPAM; LIQUIDATED DAMAGES.
 
You agree not to use any client or customer contact information gained through your association with HREC for your own promotional material, unless given explicit authorization, in writing from an officer of HREC.
 You agree HREC may immediately terminate any account that it believes, in its sole discretion, is transmitting or is otherwise connected with any spam or other unsolicited bulk email.  In addition, if actual damages cannot be reasonably calculated then You agree to pay HREC liquidated damages of $1 US for each piece of spam or unsolicited bulk email transmitted from or otherwise connected with Your account, otherwise You agree to pay HREC's actual damages. 
 
7. INTELLECTIUAL PROPERTY.
 
You agree that HREC holds all rights, title and interest in all Products and Intellectual Property, including other rights related to intangible property, unless otherwise indicated.  You acknowledge that no title or interest in such Intellectual Property Rights is being transferred to you and you agree to make no claim of interest in any such Product.  You understand and agree that all content and material contained in the Agreement, other policies, the HREC Website, Seminars and any affiliated websites, including but not limited to 1800HomeHotline.com, HomeSellerFeedbackReports.com, Harris Success Systems, Harris Publishing, RealEstateSurvivalTour.com,  are protected by the various copyright, patent, trademark, service mark and trade secret laws of the United States, as well as, any other applicable proprietary rights and laws, and that HREC and it's affiliated businesses reserves its rights in and to all such content and materials.  You further understand and agree that you are prohibited from using, in any manner whatsoever, any of the content or materials described above without  the express written permission of HREC or it's affiliated businesses.  No license or right under any copyright, patent, trademark, service mark or other proprietary right or license is granted to you or conferred upon you by this Agreement or otherwise.
 
 
8. FEES AND PAYMENT.
 
As consideration for the Products and Services purchased by you and provided to you by HREC or its affiliates, you agree to pay HREC at the time of your order, as well as on a recurring basis, monthly, until you cancel by speaking with one of our account representatives at 866 422 9497.  All fees are due immediately and are non-refundable.

If you have questions about billing, it is your responsibility to email or call the offices of HREC to clarify any billing questions.  Details are further outlined in the HREC Enrollment Contract Terms and Conditions which you saw at the time of check out and agreed to by checking I Agree.  It is impossible to enroll without checking that you have read and understand this document, our Customer Agreement.
 
Any 'special promotions', such as '7 days for $1', will be reflected through an automatic extension of 7 days for $1, applied to the last month  that services are provided.  This supersedes any previous offers or promotions made by HREC in the past.  Services and / or products provided during the last 7 days to be determined by HREC staff.   1st payment deposit is charged at time of enrollment.
 
No program at HREC is a one time course.  All courses month to month with recurring monthly billing unless a cancellation has been processed.  This is explicitly noted prior to enrollment confirmation.  What we teach you takes longer than one session so we never have a one-time class situation.
 
If for any reason HREC is unable to charge your payment method for the full amount owed HREC for the Products or Services provided, or if HREC is charged a penalty for any fee it previously charged to your payment method, you agree that HREC may pursue all available remedies in order to obtain payment.  If you pay by credit card and if for any reason HREC is unable to charge your credit card with the full amount of the services provided, or if HREC is charged back for any fee it previously charged to the credit card you provided, you agree that HREC may pursue all available remedies in order to obtain payment.  You agree that among the remedies HREC may pursue in order to effect payment, shall include but will not be limited to, immediate cancellation without notice to you of any Services purchased or scheduled, including additional costs that it may incur in providing the services and pass along to you.  These include but are not limited to, customer service issues that cannot be handled over email but require personal service, fees incurred by third parties you have elected to use as payment methods, including PayPal and disputes that require legal services.  These charges will be billed to the Payment Method we have on file for you.  You may change your payment method at any time by contacting HREC customer service by phone, or email. 
 
You agree that you are solely liable for arranging that your Services be renewed, and that HREC shall not be liable to you or any third party if it is unable to charge your payment method in order to renew your services.  While all purchases are processed in US dollars, HREC may provide an estimated conversion price to currencies other than US dollars.  You acknowledge and agree that the pricing displayed during the check out process is an estimate in this case.  Due to potential slight time delays between actual purchase and the payment settlement, the actual price charged may fluctuate in instances of currency conversion.  Accordingly, HREC makes no representations or warranties that the actual price will be the same or substantially similar to the actual price you will pay and you waive any and all claims based upon any discrepancy between the estimate and the actual price with regards to foreign currency.  If you have any questions, you agree to call the office and discuss 866 422 9497.
 
A)        Pay by PayPal (for one time payment only and cannot be used for recurring charges).
 
By using HREC pay by PayPal, Inc. or any 'PayPal option,' as well as any other outside, merchant source of payment provider you can purchase HREC products and services.  In consideration for such Products and services purchased by you and provided to you by HREC, you agree to allow PayPal  (or any other outside pay-source provider) to debit the full amount of this transaction from your PayPal account balance or the Preferred Funding Source you established with PayPal, which is non-refundable.  It is your responsibility to keep your PayPal Account current, and to have available funds in it.  You agree that PayPal and HREC will not be responsible for payments that fail to go through as a result of your Funding Source no longer existing, or holding insufficient funds.  If for any reason PayPal is unable to withdraw the full amount owed for the Services provided, you agree that PayPal and HREC may pursue all available remedies in order to obtain payment.  You agree that if the transaction is returned unpaid, you will pay a service charge of $25.00 or the maximum amount allowed by law, which may be debited from your account by PayPal or charged to Your Preferred Funding Source by HREC. 
 
9. REPRESENTATIONS AND WARRANTIES.
 
You, or the individuals who electronically execute this Agreement on behalf of You hereby represent and warrant that they have the right, power, legal capacity and appropriate authority to enter into this Agreement, and that they own and have not transferred to any other person or entity any of the rights, claims or interests that are the subject of this Agreement.  You represent and warrant that you are 18 years of age or older, or that you have an agent authorized by law to represent you who is 18 years of age or older who is entering into this Agreement on Your behalf.  You warrant that each action you make is being done so in good faith and that you have no knowledge of it infringing upon or conflicting with the legal rights of a third party or a third party's trademark or trade name.
 
10.  LIMITATION OF LIABILITY.
 
All HREC products and / or services are 100% guaranteed proven, based on experiences of others.  However, in no way does HREC warrant or imply that the programs / products will work for you personally, as we cannot guarantee you have participated at the level requisite for success.  Agents, markets, skill level and commitment levels vary from agent to agent, office to office and market to market.  The words '100% guaranteed' are for promotional purposes and are merely testament to the quality of services provided, based on 3rd party experiences.
 
IN NO EVENT SHALL HREC BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFIT OR GOODWILL, FOR ANY MATTER, WHETHER SUCH LIABILITY IS ASSERTED ON THE BASIS OF CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF WARRANTIES, EITHER EXPRESS OR IMPLIED, ANY BREACH OF THIS AGREEMENT OR ITS INCORPORATED AGREEMENTS (INCLUDING THE HREC ENROLLMENT CONTRACT TERMS AND CONDITIONS), AND POLICIES YOUR INABILITY TO USE THE PRODUCTS OR SERVICES, YOUR LOSS OF DATA OR FILES OR OTHERWISE, EVEN IF HREC HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES.  Some states may not allow such a broad exclusion or limitation on liability for damages as contained herein.  In such states, HREC's maximum aggregate liability is limited to the full extent permitted by law.  You agree that in no event shall HREC maximum aggregate liability exceed the total amount paid by you for the particular products or services in dispute purchased from HREC.
 
You additionally agree to hold HREC and it's affiliates harmless regarding the effectiveness of particular techniques, etc, taught at HREC as each person, market and skill level is different.  HREC is not liable for income produced or lost as a result of products, services or coaching provided.  Your income is your responsibility.  A tennis coach does not hit the ball for the student.  We give you the skill, but you must take action.
 
11.  DISCLAIMER OF WARRANTIES.
 
HREC expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.  Services are provided on an 'As Is' and 'As Available' basis.  HREC makes no warranty that its services or products will meet your specific requirements, or that the services will be uninterrupted, timely, secure, or error free, or that defects will be corrected.  HREC does not warrant, nor make any representations regarding the use, or results of, any of the services it provides, in terms of their correctness, accuracy, reliability, or otherwise.  Some jurisdictions do not allow the disclaimer of implied warranties, in which event that foregoing disclaimer may not apply to you.
 
 
12. INDEMNIFICATION.
 
You agree to defend, indemnify and hold harmless HREC and its contractors, agents, employees, officers, directors, independent contractors, shareholders, and affiliates from any loss, liability, damages or expense, including reasonable attorneys' fees, resulting from any third party claim, action, proceeding or demand related to Your (including Your agents affiliates, or anyone using Your account, software or services with HREC whether or not on YOUR behalf, and whether or not with Your permission ) use of the products or services You purchased from HREC or Your breach of this Agreement or incorporated agreements and policies.  In addition, You agree to indemnify and hold HREC harmless from any loss, liability, damages or expense, including reasonable attorneys' fees, arising out of any breach of any representation or warranty provided herein, any negligence or willful misconduct by You, or any allegation that your account infringes a third person's copyright, trademark or proprietary or intellectual property right, or misappropriates a third person's trade secrets.  This indemnification is in addition to any indemnification required of you elsewhere.  Should HREC be notified of a pending law suit, or receive notice of the filing of a lawsuit, HREC may seek a written confirmation from you concerning your obligation to indemnify HREC.  Your failure to provide such a confirmation may be considered a breach of this agreement.  You agree that HREC shall have the right to participate in the defense of any such claim through counsel of its own choosing.  You agree to notify HREC of any such claim promptly in writing and to allow HREC to control the proceedings. You agree to cooperate fully with HREC during such proceedings. You agree You will not be entitled to a refund of any fees paid to HREC if, for any reason HREC takes corrective action with respect to Your improper or illegal use of its products, services, seminars or websites.
 
13.  GOVERNING LAW, VENUE; WAIVER OF TRIAL BY JURY.
 
This agreement shall be deemed entered into in the State of Nevada.  You agree that the laws and judicial decisions of Clark County, Nevada, shall be used to determine the validity, construction, interpretation and legal effect of this Agreement.  You agree that any action relating to or arising out of this Agreement shall be brought in the courts of Clark County, Nevada.  For the adjudication of disputes concerning the use of any domain name registered with HREC, You agree to submit to jurisdiction and venue in the US District Court for the District of Nevada located in Las Vegas, Nevada.  You agree to waive the right to trial by jury in any proceeding that takes place relating to or arising out of this Agreement.
  
14.  NOTICES.
 
You agree that all notices (except for notices concerning breach of this Agreement) from HREC to you may be posted on our Website.  Notices concerning breach will be sent either to the email or postal address you have on file with HREC.  In either case, delivery shall be deemed to have been made five (5) business days after the date sent. 
 
Notices from You to HREC shall be made  by sending notice to the address provided on the HREC Website or first class mail to HREC's address at:
  
Tim and Julie Harris
2620 S. Maryland Pkwy
Suite 14-856
Las Vegas, NV 89109
 
15.  HEADINGS
 
The Headings in the Agreement are descriptive only and in the event of a heading and the underlying terms of this Agreement, the terms of this Agreement shall control.
 
16. ENTIRE AGREEMENT.
 
You agree that this Agreement including the policies and agreements, such as the HREC Enrollment Contract, it refers constitute the complete and only Agreement between You and HREC regarding the Services contemplated herein.
 
17. SEVERABILITY.
 
You agree that the terms of this Agreement are severable.  If any part of this Agreement is determined to be unenforceable or invalid, that part of the agreement will be interpreted in accordance with applicable law as closely as possible, in line with the original intention of both parties to the Agreement.  The remaining terms and conditions of the Agreement will remain in full force and effect.
 
18. WAIVER.
 
The failure of HREC to enforce any of the provisions within this Agreement or its incorporated agreements and policies against you or others shall not be construed to be a waiver of the right of HREC thereafter to enforce such provisions.
 
19.  FORCE MAJEURE.
 
HREC will make every effort to keep its Website and Services operational.  However, certain technical difficulties and other factors outside of its control may, from time to time, result in temporary service interruptions.  You agree not to hold HREC liable for any of the consequences of such interruptions and no refunds shall be warranted.
 
20.  NO THIRD PARTY BENEFICIARIES.
 
Nothing in this Agreement, express or implied, is intended to confer upon any third party any rights, remedies, obligations, or liabilities under or by reason of this Agreement, except as expressly provided in this agreement.
 
21.  ATTENDANCE AT EVENTS OR CALLS / MEETINGS / SEMINARS
 
I agree that I am freely and willingly participating in the HREC seminars, testimonials, coaching calls, webinars, seminars, conferences and meetings, and do hereby grant HREC, 1800HomeHotline.com, RealEstateSurvivalTour.com, or designated entities permission to record and duplicate recordings of any and all, but not limited to, conference presentations, webcasts, teleseminars, testimonials, questions and answers, coaching calls, etc.
 
I understand that I will not receive any compensation either financially or in any other form, neither implied nor inferred, from the sale of these recordings, regardless of the product format (audio, visual, written, etc.) and further authorize the use of myself, voice and/or likeness on the aforementioned.
 
Any funds from the sale of these recordings past, future or present will be exclusively for the benefit of HREC.  HREC shall own all rights to any and all such works and may make any use or nonuse of such works without payment or obligation to the attendee, student or customer, or independent contractor.
  
HREC ENROLLMENT CONTRACT, continued:
 
Tim and Julie Harris™ ENROLLMENT CONTRACT
TERMS AND CONDITIONS

1. Any payment hereunder, if not timely made, shall bear interest at an annual rate equal to ten percent (10%) per annum until paid.
In the event that any finance charge or fee imposed under this contract would exceed the maximum charge or fee permitted by any applicable state or federal law, then this agreement shall be deemed amended to reduce such charge or fee to the maximum lawful
amount. In such event, such excess charge, if paid, shall be applied to reduce my outstanding obligation. In addition, a ten dollar ($10.00) late fee will be charged on any installment not received within ten (10) days after its due date. I agree to pay a twenty
dollar ($20.00) fee for any, each and all of my checks returned for non-sufficient funds (NSF).

2. I agree and acknowledge that all information and materials presented at any Tim and Julie Harris event by any HARRIS REAL ESTATE UNIVERSITY agent, employee or representative are and shall remain the property of Tim and Julie Harris and may not be copied, reproduced, video taped or disseminated without the prior written consent of the president of the Tim and Julie Harris.

3. I agree and acknowledge that this contract shall be governed by Rules, Polices and/or Procedures as announced by the HARRIS REAL ESTATE UNIVERSITY, from time to time, verbally and/or in writing.

4. In the event of a default in payment of any installment due, all services and privileges shall be suspended and I shall nevertheless remain liable for the amount described above, which shall become immediately due and payable in full. I agree to pay all attorney’s fees, costs and expenses incurred in the enforcement of this agreement or in collecting payment due under this contract. Tim and Julie Harris may terminate this contract for: any non-payment; payment which is not received within ten (10) days of the date upon which it is due; or upon two or more late payments.

5. The laws of the State of Nevada govern this agreement. In the event of any action or proceeding hereunder, venue shall be proper in Clark County, State of Nevada, and I consent to service of process by mail.

6. I agree and acknowledge that this contract may be canceled by the Tim and Julie Harris at any time, for any reason not prohibited by law, without notice, during the initial term or any month-to-month period. In the event that The Tim and Julie Harris cancels this contract, I will be liable for payment through the effective date of cancellation plus any other fees I may owe (including late payment charges, collection costs or interest). I agree and acknowledge that the termination of any continuing payment obligation after the effective date of cancellation, which would otherwise be due, is my sole remedy in the event of cancellation by the HARRIS REAL ESTATE UNIVERSITY. No refunds, charge-backs or credits of any kind.  Canceling the credit card HREC has on file does not eliminate liability for the contract entered into.
 
7. I agree and acknowledge that any coaching/accountability call provided under this contract may be recorded for quality control purposes without further notice of any kind. Tim and Julie Harris does not authorize client recording of calls without prior consent.

8. I agree and acknowledge that products produced by the Tim and Julie Harris, including audio tapes, video tapes, DVDs and manuals and MP3 Downloads are protected by copyright laws and, as such, I agree to refrain from duplicating, disseminating, reproducing, republishing or re-engineering these materials without the express written consent of the HARRIS REAL ESTATE UNIVERSITY and shall not permit any third party to do the same.

9. I agree and acknowledge that the failure of HARRIS REAL ESTATE UNIVERSITY to insist on strict performance of any of the provisions of this contract or to exercise any right it grants will not be construed as a relinquishment or future waiver; rather, the provision or right will continue in full force. No waiver of any provision or right will be valid unless it is in writing and signed by the party giving it.
 
10. I agree and acknowledge that Tim and Julie Harris makes no representations or warranties, express or implied, with respect to the services or goods provided hereunder and the IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE SHALL BE SPECIFICALLY EXCLUDED with respect to the services and goods. AS REQUESTED BY LAW, YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS.”

11.     You agree that by clicking 'I agree' at the time of enrollment, on the HREC website, you are agreeing to the above terms and conditions of your enrollment contract.  If you have any questions regarding this contract, you are advised to seek the advice of an attorney.