Terms Of Service

PLEASE READ THE FOLLOWING TERMS OF SERVICES & LEGAL NOTICES ('THIS AGREEMENT') CAREFULLY BEFORE USING THE FreeBankruptcyTest.com WEBSITE (the 'Site' or 'FreeBankruptcyTest.com'). These terms explain your (and our) rights under this Agreement, and make certain disclosures required by the law. By using the Site, you give your assent to the terms of this Agreement. If you do not agree to these terms, you may not use the Site. FreeBankruptcyTest.com. ('FreeBankruptcyTest.com',' 'We' or 'Our') has the right, in our sole discretion, to modify, add, or remove any terms or conditions of this Agreement without giving individual notice to you, by posting the changes on the Site. Your continuing use of the Site signifies your acceptance of any such changes.

IMPORTANT DISCLOSURE

This website is not associated with the Social Security Administration or any government agency. Completing our evaluation request form is not applying for Social Security disability benefits through the Social Security Administration. After completion you will receive a free evaluation from a participating attorney or advocate. Neither this site, nor any lawyer or advocate associated with it, is affiliated in any way with, or endorsed by, the Social Security Administration.

ATTORNEY / ADVOCATE ADVERTISEMENT: This website is a group advertisement. FreeBankruptcyTest.com is not a lawyer referral service. Participating attorneys, advocates and service providers appearing on FreeBankruptcyTest.com have paid an online advertising fee. Use of this Service is not intended to and does not create an attorney-client relationship between Attorneys/ Advocates and any Requestors. FreeBankruptcyTest.com is not a law firm. The information contained herein is not legal or financial advice.

You can apply for benefits in person through your local Social Security Administration office, by calling 1-800-772-1213 for help by phone, or online at www.socialsecurity.gov/applyfordisability.

We do not provide legal advice or referrals.

By filling out information on our case evaluation form or any other form on FreeBankruptcyTest.com, the transaction is not considered part of an attorney-client relationship. We are not attorneys. We reserve the right not to respond to inquiries.

Information provided to FreeBankruptcyTest.com may be shared, sold or provided to a data collection company unless specifically prohibited.

Ownership, License and Restrictions on Use

All the text, images, icons, logos, identifying products and services and intellectual property of FreeBankruptcyTest.com belongs to us. All right, title and interest (including all copyrights, trademarks and other intellectual property rights) within FreeBankruptcyTest.com belongs to FreeBankruptcyTest.com. In addition, the names, images, pictures, logos and icons identifying FreeBankruptcyTest.com's products and services are proprietary marks of FreeBankruptcyTest.com and its subsidiaries or affiliates. Except as provided below, users shall not confer any license or right, by implication, estoppel or otherwise, under copyright or other intellectual property rights. The user of FreeBankruptcyTest.com is hereby granted a nonexclusive, nontransferable, limited license to view and use information retrieved from FreeBankruptcyTest.com provided solely for the user's informational and non-commercial purposes. The user shall not remove or obscure any identifying marks, logos, icons, images or copyright notices or other notices. Except as expressly provided above, no part of FreeBankruptcyTest.com, including but not limited to materials retrieved there from and the underlying code, may be reproduced, republished, copied, transmitted, or distributed in any form or by any means. In no event shall materials from FreeBankruptcyTest.com be stored in any information storage and retrieval system without prior written approval from FreeBankruptcyTest.com.

Links

FreeBankruptcyTest.com does not quality-control links to our site. We are not responsible for any material or information contained on sites that link to us. Users of our site may provide links to us provided (a) the user does not remove or obscure, frame or distort or hide advertisements, the copyright notice or other notices on FreeBankruptcyTest.com; (b) the user provides FreeBankruptcyTest.com with notice of such a link by sending an e-mail to support@FreeBankruptcyTest.com; and (c) the user discontinues providing links to FreeBankruptcyTest.com if we notify the user to do so.

Modifications to the Site

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Site (or any part of it) with or without notice. In the event of a modification or discontinuance, all information submitted by you and others may be lost. You agree to keep a permanent record of all information provided to us, and you agree that all information submitted to us is at your sole risk. You agree that we have no responsibility or liability for the deletion or failure to store any Content maintained or transmitted by the Site including without limitation messages and other communications. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

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Limited License; Permitted Uses

You are granted a non-exclusive, nontransferable, revocable license (1) to access and use the Site strictly in accordance with these Terms and Conditions; (2) to use the Site solely for internal, personal, noncommercial purposes; and (3) to print out discrete information and search results from the Site solely for internal, personal, noncommercial purposes and provided that you maintain all copyright and other notices contained therein.

Restrictions and Prohibitions on Use

Your license to access and use the Site and its services are subject to the following additional restrictions and prohibitions on use. You may not (1) copy, print (except for the express limited purpose permitted by paragraph 8, above), republish, display, transmit, distribute, sell, rent, lease, loan or otherwise make available in any form or by any means all or any portion of the Site, or any information or materials retrieved therefrom; (2) use the Site or any other materials from the Site to develop, or as a component of, an information storage and retrieval system, database, infobase, or similar information resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism; (3) create compilations or derivative works of the Site or any other materials from the Site; (4) use the Site or any other materials from the Site in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of FreeBankruptcyTest.com or any third parties; (5) remove, change, or obscure any copyright notice or other proprietary notice or terms of use contained in the Site; (6) make any portion of the Site available through any timesharing system, service bureau, the Internet, or any other technology now existing or developed in the future, without our express written consent; (7) remove, disable, defeat or change any functionality or appearance of the Site; (8) decompile, disassemble or reverse engineer any Site software or use any network monitoring or discovery software to determine the site architecture; (9) use any automatic or manual process to harvest information from the Site; (10) use the Site for the purpose of gathering information for or transmitting (a) unsolicited commercial email; (b) email that makes use of our name or trademarks, including in connection with invalid or forged headers, invalid or nonexistent domain names, or other means of deceptive addressing; and (c) unsolicited telephone calls or facsimile transmissions; (11) use the Site in a manner that violates any state or federal law regulating commercial email, facsimile transmissions or telephone solicitations; and (12) export or re-export the Site or any portion thereof, or any software available on or through the Site, in violation of the export control laws and regulations of the United States.

No Solicitation

You shall not distribute on or through the Site or to any persons or entities identified via the Site any content or material containing solicitations or advertising of any kind without our express prior written permission.

Indemnity

You agree to indemnify and hold us, and our licensors, subsidiaries, affiliates, equity holders, directors, officers, agents, third party contractors and employees, harmless from all damages, costs, liabilities, and any claim or demand made by any third party, including reasonable attorney's fees due to or arising out of Content you submit, post to or transmit through the Site, your use of the Site, your connection to the Site, your violation of this agreement, or your violation of any rights of another person, or due to or arising from such activities carried out by a person using your FreeBankruptcyTest.com account or password, with your knowledge.

Errors and Corrections We do not represent or warrant that the Site will be error-free, free of viruses or other harmful components, or that defects will be corrected. We do not warrant or represent that the information available on or through the Site will be correct, accurate, timely, or otherwise reliable. We may (but are not obligated to) make improvements and/or changes to its features, functionality or content of the Site at any time. In no event shall we be liable for any such errors or defects.

Termination

By using the Site, you do not acquire any rights to the Site other than the limited license to use the Site (as set forth in paragraph 8 above) that can be terminated in accordance with this section. You agree that we, in our sole discretion, may terminate your password, account (or any part thereof) or use of the Site, and remove and discard any Content within the Site, for any reason, including, without limitation, non-payment, for lack of use, or if we believe that you have violated or acted inconsistently with the letter or spirit of this agreement. We may also in our sole discretion and at any time discontinue providing the Site, or any part thereof, with or without notice. You agree that any termination of your access to the Site under any provision of this agreement may be effected without prior notice, and acknowledge and agree that we may immediately deactivate or delete your account and all related Content information and files in your account and/or bar any further access t such files or the Site. Further, you agree that we shall not be liable to you or any third-party for any termination of your access to the Site.

Third-Party Content

Third-party content may appear on this Site or may be accessible via links from this Site. We shall not be responsible for and assume no liability for any mistakes, misstatements of law, defamation, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained in any third-party content appearing on the Site. You understand that the information and opinions in the third-party content represent solely the thoughts of the author and is neither endorsed by us nor does it reflect our beliefs.

Dealings with Advertisers

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that we shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site.

Links to Other Websites

The Site may contain 'hyperlinks' to websites neither owned nor controlled by us and we are not responsible for, and, unless otherwise noted specifically, make no representations or endorsements with respect to these sites or with respect to any service or product associated with these sites. By including these hyperlinks, we do not mean to state or imply that we sponsor, are affiliated with, or are legally authorized to use any trade name, registered trademark, service mark, logo, legal or official seal, or copyrighted symbol that may be reflected in the hyperlinks.

THIS SITE MAY CONTAIN ADVERTISING MATERIAL OR LAWYER ADVERTISEMENTS

Some jurisdictions may consider the Site to be a form of advertising for legal services and as such may require specific disclosures. Please read the following carefully:

THIS IS AN ADVERTISEMENT. The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability, and not rely upon advertisements or self-proclaimed expertise. Hiring a lawyer is an important process that should not be based solely upon advertisements.

FREE BACKGROUND INFORMATION AVAILABLE UPON REQUEST

Before you decide to hire any of the Law Firms, ask them to send you free written information about their qualifications and experience. Additional information about the lawyers or firms may also be obtained by contacting the Bar Association in the State in which such lawyers or law firms are licensed. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or fields of practice do not mean that a lawyer is a specialist, expert, authority or is certified in a particular field of law, nor do such memberships or licenses mean that such a lawyer is more expert or competent than any other lawyer. A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist, expert or authority in an indicated field of law practice, nor does it mean that such lawyer is more expert or competent than any other lawyer. We urge all potential clients to make their own independent investigation and evaluation of any lawyer being considered.

ADDITIONAL STATE SPECIFIC DISCLOSURES:

Alabama: No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Alabama Rules of Professional Conduct Rule 7.2(e) (1997). Alaska: The Alaska Bar Association does not accredit or endorse certifying organizations. Alaska Rules of Professional Conduct Rule 7.4(a)(2) (1998). Colorado: Colorado does not certify attorneys as experienced in any field. Florida: The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask request free written information about a firm's qualifications and experience. Florida Rules of Professional Conduct Rule 4-7.2(d) (1997). Hawaii: There is no procedure for review or approval of specialist certification organizations in Hawaii. Hawaii Rules of Professional Conduct Rule 7.4(c) (1997). Illinois: The Illinois Supreme Court does not recognize certifications of specialties in the practice of law and that the certificate, award or recognition is not a requirement to practice law in Illinois. Illinois Rules of Professional Conduct Rule 7.4(c)(2) (1997). Iowa: The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed experience. This disclosure is required by rule of the Supreme Court of Iowa. Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice do not mean that a lawyer is experienced in a field of law, nor do they mean that a lawyer is necessarily any more proficient or competent than any other lawyer. A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as an experienced or proficient in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more proficient or competent than any other lawyer. All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa. See Iowa Code of Professional Responsibility DR 2-101(A), DR 2-101(C), DR 2-105(A)(3)(c) (1997). Kentucky: THIS IS AN ADVERTISEMENT. Massachusetts: If a Massachusetts lawyer holds himself or herself out as "certified" in a particular service, field or area of law by a non-governmental body, the certifying organization is a private organization, whose standards for certification are not regulated by the Commonwealth of Massachusetts. See Massachusetts Code of Professional Responsibility DR 2-105(B) (1997). Mississippi: The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free Background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of experience therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Missouri: Neither the Supreme Court of Missouri nor the Missouri Bar reviews or approves certifying organizations or specialist designations. Missouri Rules of Professional Conduct Rule 7.4 (1997). Nevada: The State Bar of Nevada does not certify any lawyer as a proficient. Nevada Rules of Professional Conduct Rule 198 (1997). New Jersey: Any certification as an experienced, or any certification in a field of practice, that does not state that such certification has been granted by the Supreme Court of New Jersey or by an organization that has been approved by the American Bar Association, indicates that the certifying organization has not been approved, or has been denied approval, by the Supreme Court of New Jersey and the American Bar Association. See New Jersey Rules of Professional Conduct Rule 7.4(b) (1997). New Mexico: Any certification by an organization other than the New Mexico Board of Legal Specialization does not constitute recognition by the New Mexico Board of Legal Specialization, unless the lawyer is also recognized by the board as an experienced in that area of law. See New Mexico Rules of Professional Conduct Rule 16-704(D) (1997). Oregon: THIS IS AN ADVERTISEMENT. Rhode Island: The Rhode Island Supreme Court licenses all lawyers in the general practice of law. The court does not license or certify any lawyer as an experienced in any field of practice. Rhode Island Rules of Professional Conduct Rule 7.4 (1998). Tennessee: Unless otherwise indicated, Tennessee attorneys are not certified as specialists by the Tennessee Commission on Continuing Legal Education and Specialization in the areas of practice listed on their profiles. See Tennessee Code of Professional Responsibility DR 2-101(C)(3) (1998). Texas: Unless otherwise indicated, Texas attorneys are Not Certified by the Texas Board of Legal Specialization in the areas of practice listed on their profiles. See Texas Disciplinary Rules of Professional Conduct Rule 7.04(b)(3) (1999). Washington: The Supreme Court of Washington does not recognize certification of specialties in the practice of law. Any certificate, award, or recognition by a group, organization or association used by a Washington attorney to describe his or her qualifications as a lawyer or qualifications in any subspecialty of law is not a requirement to practice law in the State of Washington. See Washington Rules of Professional Responsibility Rule 7.4(b) (1997). Wyoming: The Wyoming State Bar does not certify any lawyer as an experienced. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability, and not rely upon advertisements or self-proclaimed experience. Wyoming Rules of Professional Conduct for Attorneys at Law Rule 7.4 (1997).