Last Updated: 03/18/2019
Terms and Conditions
Acceptance of Agreement
BY USING THE SITE, ENGAGING CREDIT LYNX'S SERVICES, REQUESTING THAT WE CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN CREDIT LYNX'S EMAIL AND TEXT MESSAGE UPDATE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE AGREEMENT.
BY USING CREDIT LYNX'S SITE, ENGAGING CREDIT LYNX'S SERVICES, REQUESTING THAT CREDIT LYNX CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN CREDIT LYNX'S EMAIL AND TEXT MESSAGE UPDATE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND CREDIT LYNX ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND CREDIT LYNX, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE AGREEMENT OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE AGREEMENT. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH CREDIT LYNX. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO (a) A TRIAL BY JURY; (b) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION, AND (c) BRING AN ACTION AGAINST CREDIT LYNX IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST CREDIT LYNX IN ANY JURISDICTION IN THE UNITED STATES. CREDIT LYNX WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Agreement shall control over any inconsistency between the Rules of the American Arbitration Association and the Agreement). The arbitrator shall have authority to interpret the Agreement, including but not limited to the authority to decide whether any claim is arbitrable under the Agreement and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Agreement. You agree that the Agreement involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Agreement is governed by the laws of the state of Ohio, as provided in Section 17 below.
About the Agreement
About the Site
The Site gives users information about Credit Lynx's credit repair services, general educational and informational resources about credit, and the ability to sign up for and engage Credit Lynx's services.
Engagement of Credit Lynx's Services
You are not required to engage Credit Lynx's services in order to visit and read material on the Site; however, you will need to engage Credit Lynx's services if you want it to assist you in your efforts to improve your credit reports and rating. If you engage Credit Lynx, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to your sign up information. Each engagement is for a single person only. We do not permit any other person to engage Credit Lynx's services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify Credit Lynx immediately by emailing firstname.lastname@example.org.
If you participate in Credit Lynx's Email and Text Message Update Program after you engage Credit Lynx, you may stop receiving servicing text messages by texting STOP (and no other words or characters) to the shortcode or number from which you received the Credit Lynx text message(s). Almost all STOP requests are taken care of immediately, but it may take up to 3 business days from the date you text STOP to be removed from Credit Lynx's texting list(s). Note that texting STOP in response to a servicing text message will only stop servicing text messages, and will only stop text messages to the phone number you used to text STOP.
Should you choose to engage Credit Lynx's services, you will enter into a separate written agreement with Credit Lynx. Each account we create in conjunction with this separate written agreement is called a “Client Account.” Your Client Account will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement. Each Client Account will be subject to the following:
- The terms or instructions appearing on a screen when using the service;
- Credit Lynx's policies and procedures applicable to the Client Account and the online service;
- Applicable state and federal laws and regulations.
Access to Client Dashboard
You authorize Credit Lynx to provide access to your Client Account through its online services. You may access your Client Account here the ("Client Dashboard") to obtain account payment information, a sequential docket of services provided and notes made to the account, credit report information received from you by Credit Lynx and input into your file, your disputing instructions, and other information. To access a Client Account through the online service you must have a password and the required hardware and software. Subject to the terms of this agreement and any separate written agreement(s), you will generally be able to access your Client Account through the Client Dashboard seven days a week, twenty-four hours a day. Client Account information is posted to the account at the time work is completed on the Client Account.
At certain times, the online services may not be available due to system maintenance or circumstances beyond our control. During these times, you may call Credit Lynx at (877) 820-2425 or send an email to email@example.com to obtain information about your Client Account.
Copyright and Trademarks
The Site contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the "Content") that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by Credit Lynx or other third parties. All trademarks and copyrighted information contained on the Site are the property of their respective owners. Further, Credit Lynx retains all rights (including intellectual property rights), title and interest in the Site, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Site (the "Technology")(the terms Content and Technology collectively will be referred to as the "Materials"). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site by Credit Lynx does not constitute a waiver of any rights in such information and materials.
Use of Site and Materials
Credit Lynx provides the Site and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Site. Any other use of the Site or the Materials is strictly prohibited. You may not, either directly or indirectly:
- Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Site or Materials without the express written permission of Credit Lynx or the applicable rights holder;
- Use the Materials for telemarketing, direct marketing, and commercial mass email or by agents or representatives or email spammers;
- Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributes or copyright notices;
- Use any network monitoring or discovery software to determine the Site architecture, or extract information about usage or users;
- Reformat or frame any portion of the Site or Materials;
- Use any device, software or routine that interferes with the proper working of the Site, or otherwise attempt to interfere with the proper working of the Site;
- Take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure;
- Attempt to gain unauthorized access to other computer systems;
- Violate the Agreement, applicable law or the rights of others; or disrupt or interfere with the security of, or otherwise cause harm to, the Site.
Any permitted use of the Site does not extend to using the Site or Materials for any illegal purpose, or to transmit to or through the Site or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the Site or Materials.
Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the 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.
By using the Site, uploading content to or submitting any materials for use on the Site, you grant (or warrant that the owner of such rights has expressly granted) Credit Lynx a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Site or incorporate such materials and/or information generated through use of the Site into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.
Anonymous, aggregate information that does not contain personally identifiable information, comprising account information, or other available data that is collected through your use of the Site, may be used or licensed by Credit Lynx for various purposes including but not limited to conducting certain analytical research, performance tracking, benchmarking, helping to improve products and services and to assist in troubleshooting and technical support.
The Site may use robot exclusion methods, which include robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Site. Much of the information on the Site is updated on a real-time basis and is proprietary or is licensed to Credit Lynx by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Site for any purpose, including but not limited to performing "offline" searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML meta tags on the Site. Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Site.
You may provide links only to the homepage of this Site, provided (A) you do not remove or obscure, by framing or otherwise, any portion of the homepage, (B) you give Credit Lynx notice of such link by sending an email to firstname.lastname@example.org and (C) you discontinue providing links to this Site if requested by Credit Lynx. If you wish to provide links to a section within the Site, you should forward your request to Credit Lynx at email@example.com and Credit Lynx will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission.
Links to Other Websites
The Site may contain links to other websites. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. The inclusion of any linked website on our Site does not imply approval or endorsement of the linked website by us. If you decide to leave our Site and access these third party sites, you do so at your own risk.
You represent and warrant to us that (A) you are legally capable to enter into contracts, (B) you are providing us at all times true, accurate and up to date information about yourself, (C) you will comply at all times with the Agreement and applicable law and (D) your use of the Site and any transactions that you make with us will not violate the rights of any third party.
Credit Lynx's services and Site, the underlying information, software, and technology are subject to U.S. export controls. None of the Site services or content may be downloaded, or otherwise exported or re-exported (I) into (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria or any other country subject to U.S. sanctions applicable to the export or re-export of goods, (II) to anyone on the U.S. Treasury Department’s List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department’s Denied Persons List, Unverified List, Entity List or Nonproliferation Sanctions List. By using Credit Lynx's services and Site, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list, and that you acknowledge you are responsible to obtain any necessary U.S. government authorization to ensure compliance with U.S. law.
Credit Lynx makes every effort to ensure the information presented in, on or through its Site is accurate; however, Credit Lynx makes no guarantee as to such information and is not responsible for any resulting loss or damage.
Information and Press Releases
The Site may contain information and press releases about us. While this information was believed to be accurate as of the date prepared, we disclaim any duty or obligation to update this information or any press releases. Information about companies other than ours contained in press releases or otherwise, should not be relied upon as being provided or endorsed by us.
Editing, Deleting and Modification
We reserve the right in our sole discretion to edit or delete any documents, information or other content appearing on the Site at any time without notice to you.
Warranty, Liability, and Indemnification
Credit Lynx makes no representations regarding the availability and performance of its Site. You hereby acknowledge that any use of the Site and reliance upon any Materials shall be at your sole risk and that Credit Lynx shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use.
THE SITE AND MATERIALS ARE PROVIDED BY CREDIT LYNX ON AN "AS IS" BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. CREDIT LYNX EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE SITE OR MATERIALS WILL MEET YOUR REQUIREMENTS OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE SITE.
IN NO EVENT SHALL CREDIT LYNX, ITS DIRECTORS, OFFICERS, EMPLOYEES, STAFF, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE SITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. CREDIT LYNX SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states, liability is limited to the fullest extent permitted by law.
CREDIT LYNX DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE SITE WILL BE FREE OF VIRUSES, "WORMS", "TROJAN HORSES", OR THEIR HARMFUL COMPONENTS. CREDIT LYNX'S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY CREDIT LYNX SHALL BE CANCELLATION OF YOUR ACCOUNT.
You agree to indemnify, defend, and hold harmless Credit Lynx, its officers, directors, employees, staff, agents, representatives, vendors and distributors from and against any and all claims, actions, suits, proceedings, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys’ fees and costs) that such parties may incur as a result of or arising from: (A) any material posted or otherwise provided by you that infringes any copyright, trademark, trade secret, trade dress, patent or other intellectual property rights of any person or defames any person or violates their rights of publicity or privacy, (B) any misrepresentation made by you in connection with your use of the Site, (C) any non-compliance by you with the terms and conditions of this Agreement; and (D) claims regarding any liability, loss, claim and/or expense arising from or related to your access and use of the Site, including information obtained through the Site, (E) your (or anyone using your account’s) violation or breach of any representation or obligation under the Agreement. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to fully cooperate with our defense of such claim.
Electronic Notices and Transactions
You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have access to the Internet to receive Credit Lynx's services, to request that Credit Lynx contact you about its credit repair services, to participate in Credit Lynx's Email and Text Message Update Program, and to view, print and retain all documentation. You authorize us to send you important notices about the Site and any pending transactions to an email address you provide to us if you are a client of Credit Lynx or have requested that we contact you about our credit repair services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to transact electronically with us, you may no longer use the Site or Credit Lynx's services. You can retrieve and review the Agreement at any time by visiting CreditLynx.com and may receive paper copies of the Agreement by calling Credit Lynx at 877-820-2425.
Access and Notice Regarding Technology
You are responsible for obtaining at your own expense all equipment and services needed to access and use the Site, including all devices, Internet browsers, and Internet access. If you access the Site or a Site application through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services. Your use of the Site must comply with all applicable laws in the territory in which you access and use the Site.
Confidentiality of Information
Any information contained on the Site with respect to results obtained by Credit Lynx is not meant to indicate that the same or similar results can or will be obtained in other cases or situations. Results will vary depending on the facts and circumstances of each individual matter. Prior results do not predict, warrant or guarantee a similar outcome. References to past or present clients or the circumstances of their specific matters do not constitute testimonials or endorsements by such clients, nor are they a guarantee, warranty or prediction of the outcome of your legal matter.
Electronic mail or other communications through this Site to Credit Lynx (or any of its lawyers, other employees, agents or representatives) are not secure and are not subject to the attorney-client privilege. Accordingly, Credit Lynx does not guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Site are not confidential and your communications may be read or intercepted by others. Any unprotected email communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an email sent by you to us or an email sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted emails or "Spam", may be prosecuted to the full extent of the law. You acknowledge that by submitting communications to Credit Lynx, no confidential, fiduciary, contractually implied or other relationship is created between you and Credit Lynx other than pursuant to the Agreement and any subsequent written agreement entered into with Credit Lynx.
You are solely responsible for (A) maintaining the confidentiality and security of your login information, passwords, and any other security or access information used by you or anyone you authorize on your behalf to access the Site and your account information, (B) preventing unauthorized access to or use of the information, files, or data that you store or use in or with Credit Lynx's Site, (C) all electronic communications, including account registration and other account holder information, email and financial, accounting and other data entered using the Credit Lynx Site, and (D) without limiting the foregoing, any and all activities that occur under your account. Credit Lynx will assume that any communications received through the use of the Credit Lynx's Site were sent or authorized by you. You agree to immediately notify Credit Lynx if you become aware of any loss, theft, or unauthorized use of the Credit Lynx's Site or your account information.
Please do not use the information on our Site to distribute unsolicited bulk emails, solicitations or inquiries. The foregoing acts will constitute a violation of the Agreement.
Use of Financial Application Services
Credit Lynx's Site will allow you access to third party provider services ("Provider Services"). Credit Lynx has no control over the Provider Services or your access to the Provider Services. Credit Lynx does not guarantee the Provider Services. By using the Provider Services, you acknowledge Credit Lynx disclaims any and all liability whatsoever for any actions or inactions of Provider Services.
Credit Lynx provides the Site for your convenience. You use and rely on the information therein at your sole risk. Neither Credit Lynx nor any of its affiliates, third party providers, partners, licensors, employees, staff, distributors or agents are responsible or liable for, or makes any representations or warranties as to the following, without limitation:
- Any representations, promises, recommendations or inducements that may be made by or through any party (including vendors) found at, on, through or from the Site.
- The timeliness, accuracy, reliability, completeness, legality, copyright compliance or decency of the Site.
- Any inaccuracy, omission, error or delay in the services offered on the Site.
- Non-performance of or interruption to the Site or its services due to (I) any act or omission by any disseminating party, (II) any force majeure or any other cause beyond the control of any disseminating party, or (III) outages, transmission quality or malfunctions of telephone circuits or computer systems, including any defects or failures with respect to your software computer systems or Internet access provider.
- Any loss resulting from, including any unauthorized access by a third party, arising out of or related to your access and/or use of or interaction with the Site.
If you have agreed to allow your minor child or a child for whom you are legal guardian a ("Minor"), to use this Site, you agree that you shall be solely responsible for: (A) the online conduct of such Minor, (B) monitoring such Minor’s access to and use of the Site, and (C) the consequences of any use of the Site by such Minor.
This Site may include statements concerning our operations, prospects, strategies, financial condition, future economic performance and demand for our products or services, as well as our intentions, plans, and objectives, which are forward-looking statements. These statements are based upon a number of assumptions and estimates that are subject to significant uncertainties, many of which are beyond our control. When used on our Site, words like "anticipates", "expects", "believes", "estimates", "seeks", "plans", "intends", and similar expressions are intended to identify forward-looking statements designed to fall within securities law safe harbors for forward-looking statements. The Site and the information contained herein do not constitute an offer or a solicitation of an offer for the sale of any securities. None of the information contained herein is intended to be, nor shall be deemed incorporated into any of our securities-related filings or documents.
This Agreement is effective until terminated by Credit Lynx, at any time without notice. In the event of termination, you are no longer authorized to access this Site and the restrictions imposed on you with respect to the Materials as well as the disclaimers and limitations of liabilities set forth in this Agreement shall survive.
Credit Lynx reserves the right to investigate complaints or reported violations of the Agreements and to take any action Credit Lynx deems appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses and traffic information. Credit Lynx reserves the right to seek all remedies available at law and in equity for violations of the Agreement, including but not limited to the right to block access from a particular Internet address to any Credit Lynx website. These incorporate by reference any notices contained on the Site and constitute the entire agreement with respect to access to and use of the Site, your request that Credit Lynx contact you about its credit repair services, and/or your participation in Credit Lynx's Email and Text Message Update Program. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Agreement shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Agreement will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable law. Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Agreement to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.
THE AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF OHIO, USA, AS THEY APPLY TO AGREEMENTS MADE SOLELY THEREIN, PROVIDED, HOWEVER, THAT THE ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW. The Arbitration Clause, the obligations in the first four paragraphs of the Agreement, Sections 5 through 8, 10 through 15 and 17 through 20, shall survive termination of the Agreement.
Credit Lynx shall not be deemed to have waived any rights or remedies in the Agreement unless such waiver is in writing and signed by Credit Lynx. No delay or omission on the part of Credit Lynx in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.
The Agreement constitutes the entire agreement and understanding between you and Credit Lynx, except as you and Credit Lynx may later agree in writing to modify the Agreement. The Agreement supersedes any and all prior agreements and understandings, oral or written, relating to the subject matter contained herein.