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Web Discount Club LLC / UNAUTHORIZED DEBITS FROM MY CHECKING ACCOUNT

1 8390 EAST VIA DE VENTURA F110 PMB 132Scottsdale, AZ, United States Review updated:
Contact information:
Phone: 866-955-0834

COMPANY HAS OFFER TO JOIN CLUB DEEPLY IMBEDDED IN TERMS OF A PAYDAY LOAN WEB SITE. WITHOUT REALIZING IT YOU ARE CHARGED $19.63. IN MY CASE I WAS CHARGED TWICE. IT DEFIES LOGIC THAT I WOULD KNOWINGLY JOIN THE SAME CLUB TWICE WITHIN MINUTES. THEY REFUSE TO ISSUE CREDIT. THEY CLAIM THE CANCELLATION PERIOD IS 7 DAYS. I DID NOT EVEN KNOW THE CHARGES WERE MADE UNTIL I GOT A BANK STATEMENT ALMOST A MONTH LATER. REPEATED CALLS AND REQUESTS TO SPEAK WITH A MANAGER OR SUPERVISOR RESULT IN BEING PUT ON HOLD FOR 30 MINUTES OR MORE AND NO ONE TAKES THE CALL. ONE AGENT TOLD ME I WOULD NEVER BE CONNECTED WITH A SUPERVISOR AND NO CREDIT WOULD EVER BE ISSUED.2bb237

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Comments

  • Ka
      23rd of Aug, 2009
    0 Votes

    me too... how do i stop this tranaction

  • Sa
      2nd of Oct, 2009
    0 Votes

    I got the same thing...I'm closing out my account and not paying anything that they didn't tell me about...I found it yesterday in my checking, I DID NOT authorize this transaction!

  • Za
      7th of Oct, 2009
    0 Votes

    Nevada Organizations operating payday loan websites without a license:

    Nevada Secretary of State:
    SMALL BUSINESS MARKETING ALLIANCE, LLC
    https://esos.state.nv.us/SOSServices/AnonymousAccess/CorpSearch/CorpDetails.aspx?lx8nvq=o8RzPfod49h6%252fpPkE6CT9g%253d%253d
    MARKETING MANAGEMENT CONSULTANTS, LLC
    https://esos.state.nv.us/SOSServices/AnonymousAccess/CorpSearch/CorpDetails.aspx?lx8nvq=V%252f0Jq%252bJdENdFcQQD4I3Fuw%253d%253d
    PATHFINDER MARKETING, LLC
    https://esos.state.nv.us/SOSServices/AnonymousAccess/CorpSearch/CorpDetails.aspx?lx8nvq=au3lRok4khEq3ATCptNdyQ%253d%253d
    PWEB MEDIA, INC.
    https://esos.state.nv.us/SOSServices/AnonymousAccess/CorpSearch/CorpDetails.aspx?lx8nvq=urKfC1IxSaZHiAif1c%252fntQ%253d%253d
    VAST SERVICES GROUP, LLC
    https://esos.state.nv.us/SOSServices/AnonymousAccess/CorpSearch/CorpDetails.aspx?lx8nvq=L1izNCvpERAT76SnzBIjFw%253d%253d
    YOUR DOLLAR + STORE, INC.
    https://esos.state.nv.us/SOSServices/AnonymousAccess/CorpSearch/CorpDetails.aspx?lx8nvq=DX4NVOUBo%252b89g2hl2DOgUQ%253d%253d
    POD THIRTY-FIVE INC.
    https://esos.state.nv.us/SOSServices/AnonymousAccess/CorpSearch/CorpDetails.aspx?lx8nvq=4NTPoBcIawSHAL%252bVe2Cxbw%253d%253d

    Management:
    Chris Larsen
    6045 Shetland St.
    Silver Springs, NV 89429

    4590 Deodar
    Silver Springs, Nevada 89429

    Nevada Licensing requirements:
    http://www.leg.state.nv.us/NRS/NRS-604A.html

    http://www.fid.state.nv.us/Applications/CheckCashing-DeferredDeposit/CheckCashing-DeferredDepositBond.pdf

    http://www.fid.state.nv.us/Applications/InstallmentLoan/InstallmentLoanCompanyApplication.pdf

    Nevada License search:
    http://fid.state.nv.us/New_Qry_CkCashLicensee.asp

    Complaint Form:
    http://fid.state.nv.us/Forms/FID-Complaint-Interactive.pdf

    Whois server:
    http://www.newmoney4school.com

    Registrant:
    Small Business Marketing Alliance, LLC
    4590 Deodar
    Silver Springs, Nevada 89429
    US
    tel: 702-866-9074

    4590 Deodar address is owned and operated by:
    Silver Shield Services, Inc. dba/ Corp Armor
    Aaron Shoaf, Media One, Inc. dba/ Medonicc


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    Co-Conspirators:

    Cubis Financial, Ltd.

    https://tscsandpps.com/?next_page=BP_terms
    BUYERS PRESTIGE GOLD CARD TERMS & CONDITIONS
    Buyers Prestige CARD MEMBER AGREEMENT
    Buyers Prestige CREDIT CARDS are issued with: NO Interest Charges
    The Buyers Prestige Card is brought to you by Cubis Financial, Ltd. ("We, " "Our, " "Company" and "BuyersPrestigeMembers.com"). For purposes of this Agreement, "BuyersPrestige.com" and "Viable Marketing Corp, " refers to Viable Marketing Corp, Our third party marketing partner that is servicing the Buyers Prestige Card account. For purposes of this Agreement the words "You, " "I, " "My" and "Me" mean the Card Member. This Agreement contains the Terms and Conditions applicable to Your Buyers Prestige Card Membership. The Viable Marketing Privacy Policy, the BuyersPrestige.com website Terms of Use and any and all other applicable Viable Marketing and Company operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published from time to time, are expressly incorporated herein by reference. You agree to the terms and conditions contained in this Agreement when you submit an application for the Buyers Prestige Card.
    NOTICE:
    A ONE (1) TIME BALANCE DEPOSIT OF TWENTY-NINE DOLLARS AND NINETY-FIVE CENTS ($29.95) IS REQUIRED IN ORDER TO OBTAIN YOUR BUYERSPRESTIGECARD AND ASSOCIATED INFORMATION PACKET. THE ($29.95) IS YOUR ONE TIME RETAINER FEE WHICH IS NON-REFUNDABLE AND ACTS AS A CONTRACTUAL AGREEMENT AND PREPAYMENT TO ACTIVATE THE BUYERS PRESTIGE CARD PROGRAM, WHICH IS AVAILABLE TO YOU FOR YOUR FULL TRIAL PERIOD. FULL ACCESS IS GIVEN FOR YOUR TRIAL PERIOD AND IF YOU DECIDE TO CANCEL BEFORE YOUR TRIAL ENDS YOU ARE NOT OBLIGATED FOR THE FIRST MONTHLY FEE. PLEASE BE ADVISED THAT MEMBERS WILL BE REQUIRED TO MAKE A REASONABLE INITIAL PAYMENT (UP TO 51% OF THE TOTAL PURCHASE COST) TOWARDS ANY AND ALL MERCHANDISE PURCHASES FROM AUTHORIZED WEBSITES. YOU MAY PAY OFF THE FULL UNPAID BALANCE ASSOCIATED WITH YOUR ACCOUNT AT ANY TIME WITHOUT PENALTY OR ADDITIONAL COSTS. ANY HOLDER OF THE CONSUMER CREDIT CONTRACT ASSOCIATED WITH THE BUYERS PRESTIGE CARD IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED USING THE BUYERS PRESTIGE CARD. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. THE BUYERS PRESTIGE CARD IS NOT A VISA, A MASTERCARD, NOR AN AMERICAN EXPRESS CARD. THIS BUYERS PRESTIGE CARD OFFER IS NOT AVAILABLE TO RESIDENTS OF THE STATES OF WISCONSIN, ALASKA AND HAWAII, AS WELL AS INDIVIDUALS WITH APO/FPO ADDRESSES OR INTERNATIONAL RESIDENTS. MEMBERS MUST USE A PHYSICAL ADDRESS FOR SHIPPING. NO PO BOX ADDRESSES ARE PERMITTED.
    • Annual percentage rate for purchases 0%
    • Variable-rate information N/A
    • Grace period for repayment of balances for purchases N/A
    • Method of computing the balance for purchases N/A
    • Minimum finance charge N/A
    • Transaction fee for purchases N/A
    • Fees for paying late $10.00
    • Fee for exceeding the credit limit $25.00
    • Fee for returned checks $20.00
    • Annual Card Member Fee $0.00
    • Enrollment Fee $29.95
    • Monthly Maintenance Fee $28.95
    This Agreement contains information about the use of the Buyers Prestige Card and explains the terms in which both You, Viable Marketing and Company agree to be bound.
    This Agreement describes the terms and conditions under which My Buyers Prestige Card account is issued. I certify that I am at least eighteen (18) years of age and the information I provided to Viable Marketing in order to obtain this charge account is true and accurate. I understand that my use of the Buyers Prestige Card and/or associated account constitutes my acceptance of this charge account in accordance with the terms of this Agreement. I understand that I will be required to make a reasonable initial payment towards My merchandise purchases (approximately twenty to fifty-one percent (20-51%); depending on the applicable item of merchandise, a higher initial payment may be required) from any Company and/or Viable Marketing authorized website until I have demonstrated that I will make My minimum monthly payments in a timely manner. After four (4) consecutive on-time monthly payments are made to my account for charges that I incur, Company will automatically review my account for reduced initial payment eligibility and I will be notified of any initial payment reduction amount in writing. Continued on-time payments to my account may entitle me to further reductions of my initial payment requirements, if and until I reach no initial payment status. See Lower Initial Payments Program heading below for details. The minimum monthly payment required on my outstanding charge balance is Ten Dollars ($10.00) or five percent (5%) of the outstanding balance, whichever is greater. See "Minimum Monthly Payment" heading for complete explanation.
    RETURNED AND NSF ACH AND CHECK PAYMENTS: In the event that My membership fee is returned due to non-sufficient funds, Viable Marketing may immediately attempt to collect the full amount by presenting My ACH authorization and/or check a second time to My original banking institution. Any subsequent withdrawal attempts by Viable Marketing will not exceed the original membership fee.
    CHARGE CARD - CREDIT LIMIT: My Buyers Prestige Card account has been issued with a starting credit limit, which is indicated on the Account Information Form.
    ACCELERATED INITIAL PAYMENTS REDUCTION PROGRAM: I may request that my initial payments be reduced or eliminated. I may contact Buyers Prestige Card Member Services Department at the email address provided in this Agreement and/or elsewhere in the Card Membership Package. However, I understand that as part of the application and approval process to determine my eligibility for accelerated reduced initial payments, I may be subject to a credit check and may be asked to provide additional information about myself at the time I submit the completed application.
    LOWER INITIAL PAYMENTS PROGRAM: Company will periodically review my account for payment activity and notify me of any initial payment reduction amounts I may be eligible for. I may be entitled to a reduction of my initial payments in: (a) increments of twenty-five percent (25%) for every four (4) months my balance payments are scheduled/posted on time; or (b) increments of five percent (5%) for every five (5) months my monthly maintenance payments are not returned/NSF.
    CREDIT BUREAU REPORTING: I understand that Company is a subscriber to the Credit Bureau TransUnion and that my new account, as well as my monthly payment history, will be reported to TransUnion or any credit bureau Company is subscribed to. Company reserves the right to not report your account to any credit bureau.
    CREDIT BUREAU ACCESS: Neither Company, nor Viable Marketing, will access your personal credit report as part of the activation process in establishing your initial credit account. However, Company reserves the right to access your personal credit report in the event that you request a credit line increase to Your Buyers Prestige Card account.
    CHARGE PURCHASES AND MONTHLY BILLING: I will be billed each month, and sent notification of available statement via my email address detailing the charges made to My Buyers Prestige Card account. My Buyers Prestige Card account must be maintained on a current basis to make additional credit purchases and to receive additional Card Member benefits.
    PROMISE TO PAY: I agree to pay at least the minimum payment amount shown on each billing statement. All payments must be received on or before the due date indicated on the billing statement, or a late fee may be assessed.
    APPLICATION OF PAYMENTS RECEIVED: Payments received are always applied to any unpaid late fee(s) that may be owed first, then monthly fees, and then the rest of the payment is applied to any unpaid balance. Payments are applied toward purchases in the same order they were made, older purchases first.
    MINIMUM MONTHLY PAYMENT: The minimum monthly payment which must be paid every month (as long as My Buyers Prestige Card account shows an outstanding balance) is figured by finding the greater of (a) five percent (5%) of the account balance owed immediately following any purchase made to My account; or (b) Ten Dollars ($10.00). This figure is the minimum monthly payment. The minimum monthly payment does not automatically reduce as my account balance reduces. Should my new balance be less than Ten Dollars ($10.00), the payment due will be the amount of the new balance.
    MONTHLY MAINTENANCE FEE: The monthly maintenance fee of Twenty Eight Dollars and Ninety-Five Cents ($28.95) is due each month beginning thirty (7) days after My 7 day free trial date and will be automatically debited from My bank account each month thereafter. I understand and agree that this fee will be deducted from my account each month until I cancel and have paid off my balance in full. I understand that even though I have cancelled, as long as there is an outstanding balance on my account I will continue to have the monthly maintenance fee deducted from my account each month.
    DURATION OF MEMBERSHIP: I understand that the initial membership term purchased by my one (1) time enrollment fee shall be for twelve (12) months. My membership automatically renews at the end of the twelve (12) month period unless I notify Viable Marketing in writing thirty (30) days prior to my renewal date.
    CARD CHARACTERISTICS: The card image on the BuyersPrestige.com website may not be an exact representation of the card design on BuyersPrestigeMembers.com. Card design attributes may vary and may change without notice.
    DELINQUENT ACCOUNT: My account is considered delinquent if the Minimum Monthly Payment is not received by Company by the due date. If this occurs, a Ten Dollar ($10.00) late fee may be charged against my account.
    DEFAULT ON ACCOUNT: I will be in default if: (a) I fail to pay the "minimum monthly payment" when due; or (b) I breach any of the terms and conditions of this Agreement. If I am in default, then by any lawful means, Viable Marketing and Company each have the right to: (i) demand that I pay the entire unpaid balance on the account immediately; (ii) apply monies received on subsequent purchases to any delinquent account balance owed including late fees if applicable; and/or (iii) proceed with legal action.
    REFUND OF ENROLLMENT FEE: There is NO REFUND of the one time enrollment fee and handling fee of Twenty Nine Dollars and Ninety Five Cents ($29.95). This retainer fee acts as a contractual agreement and prepayment to activate the Buyers Prestige Card program, which is available to you for your full trial period. Full access is given for your trial period and if you decide to cancel before your trial ends you are not obligated for the first monthly fee. IMPORTANT: Merchandise return policy and instructions are explained on the applicable product website and/or in the membership package.
    NOTIFICATION - EMAIL / POSTAL MAIL: Company and Viable Marketing use email as their primary means of communication with members and neither will be responsible for members providing bad email addresses or discontinuing the use of their email address without notifying each of Company and Viable Marketing of a new email address. Notification will only be provided by postal mail if requested by member.
    CANCELLATION OF ACCOUNT: Your Buyers Prestige Card account will be active for twelve (12) months from the date of issue and will automatically renew for additional twelve (12) month periods unless you contact Viable Marketing in writing at least thirty (30) days prior to your annual renewal date and request to cancel your account. The monthly maintenance fee charge will remain in effect so long as there is a balance owed on the account. Viable Marketing, at its sole discretion, may cancel this Agreement, and may demand payment in full of the entire balance due if I default on this Agreement and after compliance with applicable law. In the event that Viable Marketing cancels your account, you will continue to be responsible to make full payment of any remaining Buyers Prestige Card account balance. You may close your account at any time by notifying Viable Marketing in writing at: Buyers Prestige Card, 13799 Park Blvd N Suite #330, Seminole FL 33776, or by calling Customer Service at 1-800-530-3813. Even though you may close your account and cancel your membership, you will be responsible for making the Minimum Monthly Payment for Charge Purchases, the Monthly Maintenance Fee payments and for paying your entire balance due. This Agreement will remain in full effect as it relates to your line of credit and payments for charge purposes.
    SECURITY INTEREST: Company, to the extent legally permissible, retains a security interest in all merchandise charged on this account until the balance is paid in full.
    APPLICABLE LAW: This Agreement shall be treated as though it were executed and performed in New York, New York and shall be governed by and construed in accordance with the laws of the State of New York (without regard to conflict of law principles).
    AUTHORIZATION TO OBTAIN & DISCLOSE INFORMATION: By becoming a Member and obtaining the Buyers Prestige Card, I authorize Company and Viable Marketing to obtain a credit report that is based on the information that I provide to Company and Viable Marketing, as applicable, as well as exchange information about how I handle my account with lawful recipients and with credit bureaus. Company and Viable Marketing may require me to provide updated and/or additional information during the term of My Buyers Prestige Card Membership in order for me to receive additional benefits. MEMBERSHIP IN GOOD STANDING REQUIREMENT: I understand that My charge privileges, current charge limit, current initial payment/no initial payment requirement, credit bureau reporting, other card Member benefits and/or special promotions/programs are subject to My maintaining My account in good standing by making My minimum monthly payments on time. Should I become delinquent on my account, or in default, then I understand that my privileges and benefits may be changed and/or suspended until I have re-established a consistent pattern of on-time monthly minimum payments. I certify that I have read, understand and agree to this Agreement in its entirety. I certify that all the information that I provided to Company and Viable Marketing, as applicable, is true, accurate and verifiable. The information about the costs of the Buyers Prestige Card described in this application/solicitation is accurate as of October 2008. The information may be changed after that date. To find out what may have changed, write us at: Buyers Prestige Card, 13799 Park Blvd N Suite #330 Seminole, FL 33776, or call us at 1-800-530-3813. If Member does not agree with any of the changes to this Agreement, Member may close their Buyers Prestige Card account without incurring any penalty. Please note that Member will be responsible for paying all outstanding balances in the event Member closes his/her account.
    The terms and conditions associated with the Buyers Prestige Card may be modified and services and benefits may be added or deleted at any time. Where such changes are material, we will provide you with written notice.
    STATE NOTICES
    NOTICE FOR CALIFORNIA RESIDENTS: California State law requires that we inform customers that should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit-reporting agency. If you are married, you may apply for credit in your own name.
    NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion or your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida State and federal law.
    NOTICE FOR MAINE RESIDENTS: We may request a Consumer Report in connection with your request for a credit line increase or to be considered for some other Company product. You may ask whether we obtained a consumer report and we will tell you the name and address of the consumer-reporting agency, if a report was obtained.
    NOTICE FOR NEW YORK STATE RESIDENTS: A consumer credit report may be requested in connection with this Agreement or in connection with updates, renewals, or extensions of any credit granted as a result of this Agreement. Upon Your request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished this report. New York State residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods. New York State Banking Department: 1-800-518-8866.
    NOTICE FOR OHIO RESIDENTS: Ohio State laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
    NOTICE FOR ILLINOIS RESIDENTS: You may contact the Illinois Commission of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods. State of Illinois - CIP, PO Box 10181, Springfield, IL 62701. Phone (800) 634-5452.
    BILLING RIGHTS This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
    Notify Viable Marketing in Case of Errors or Questions about Your Statement of Account.
    If you think your bill is wrong, or if you need more information about a transaction on your bill, write Viable Marketing, on a separate sheet of paper, at the address listed on your bill. Write to Viable Marketing as soon as possible. Viable Marketing must hear from you no later than sixty (60) days after Viable Marketing sent you the first bill on which the error or problem appeared. You may telephone Viable Marketing, but doing so will not preserve your rights. In Your letter, give us the following information: (a) Your name and account number; (b) the dollar amount of the suspected error; (v) a description of the error and an explanation, if possible, as to why you believe there is an error. If you need more information, please describe the item that you are not sure about. You can reach Viable Marketing at 13799 Park Blvd N Suite #330, Seminole FL 33776 and Customer Service at 1-800-530-3813.
    Your Rights and Our Responsibilities After We Receive Your Written Notice.
    Viable Marketing must acknowledge your letter within thirty (30) days unless Viable Marketing has corrected the error by then. Within ninety (90) days, Viable Marketing must either correct the error or explain why Viable Marketing believes the unpaid bill was correct. After Viable Marketing receives your letter, Viable Marketing cannot attempt to collect any amount that you questioned or report you as delinquent. Viable Marketing can continue to bill you for the amount that you questioned, and Viable Marketing can apply any amount that you question against your credit limit. You do not have to pay any questioned amount while Viable Marketing is investigating, but you are still obligated to pay any charges related to any questioned amount. If Viable Marketing did not make a mistake, you will have to make up any missed payments on the questioned amount. In either case, Viable Marketing will send out a statement of the amount that you owe and the date that it is due. If you fail to pay the amount that Viable Marketing thinks you owe, Viable Marketing and/or Company may report you as delinquent. However, if Viable Marketing's explanation does not satisfy You, and You write to Viable Marketing within ten (10) days telling Viable Marketing that You still refuse to pay, Viable Marketing and/or Company must tell anyone it/they report(s) You to that You have a question about Your bill. Further, Viable Marketing and Company must tell you the name of any entity to which it/they reported this information. Viable Marketing and/or Company must tell any entity to which it/they has/have reported on the matter in question when it is finally settled. If Viable Marketing and/or Company do/does not follow these rules, Viable Marketing cannot collect the first Fifty Dollars ($50.00) of the questioned amount, even if your bill was correct.
    Special Rule for Buyers Prestige Card Purchases: If you have a problem with the quality of property or services that you purchased with the Buyers Prestige Card and You have tried in good faith to correct the problem with the applicable merchant, you may have the right not to pay the remaining amount due on the merchandise. There are two (2) limitations on this right: (a) You must have made the purchase in your home state or, if not, within one hundred (100) miles of your current mailing address; and (b) the purchase price must have been more than Fifty Dollars ($50.00). These limitations do not apply if we own or operate the applicable merchant, or if we mailed you the advertisement for the property or services. BuyersPrestige.com is a property of Viable Marketing. BuyersPrestige.com is a service mark of Viable Marketing. Neither Cubis Financial, Ltd. nor Viable Marketing is credit services organizations. Neither Cubis Financial, Ltd. nor Viable Marketing provides, for a fee, any advice or assistance in helping individuals obtain other forms of credit or improve their credit rating. Information in this Agreement should not be construed as legal advice. If you have any legal questions concerning your rights or your credit, you should contact an attorney.
    AGREEMENT TO ARBITRATE ALL DISPUTES: Should a dispute arise concerning the terms and conditions of the Agreement or the breach of same by any party hereto, the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in New York City, in accordance with the then current Commercial Arbitration Rules of the American Arbitration Association. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing herein shall be construed to preclude any party from seeking injunctive relief in order to protect its rights pending an outcome in arbitration.
    NOTICE: YOU, VIABLE MARKETING AND COMPANY WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES, BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
    AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, by agreeing below You agree that You will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that You may have against Company or Viable Marketing, their respective agents, servicers, directors, members, officers and/or employees. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the costs that Company and/or Viable Marketing incur(s), as applicable, including court costs and attorney's fees, in seeking such relief. These provisions are not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring or participate in class action suits is an independent agreement and shall survive the closing and repayment of the Buyers Prestige Card account for which You are applying. By agreeing to this Agreement, You certify that all of the information provided above is true, complete and correct and provided to Company and/or Viable Marketing, as applicable, for the purpose of inducing us to process your application. By submitting an application, you also agree to the agreement to arbitrate all disputes and the agreement not to bring, join or participate in class actions and acknowledge receiving, reading and agreeing to all the terms and conditions set forth in this Agreement. By submitting an application, you authorize Company and/or Viable Marketing, as applicable, in compliance with applicable law, to share with third parties information in your application and with regard to the processing, funding, servicing, repayment and collection of your account.
    Copyright © Cubis Financial, Ltd. All Rights Reserved.
    Cubis Financial, Ltd. 505 E Windmill Lane #1B-201 Las Vegas, NV 89123
    Email: customerservice@BuyersPrestigeMembers.com
    https://tscsandpps.com/?next_page=777_terms


    7600 E Doubletree Ranch Road, Suite 130 Scottsdale, AZ 85258


    ZaZa Pay & ZaaZoom COO Moe Tassoudji can be reached at 480-483-1200 or 480-998-3200 ext. 101- Babe's Cabaret 480-947-9909 / 480-947-0002 e-mail address is: moe@zaazoom.com - Fax at either 480-483-1231 or 480-718-8813 available on IM at either AIM: MoeArizona or YAHOO:MoeArizona

    The CEO of ZaaZoom / ZaZa Pay is Gary Thomas a/k/a Jay Thomas a/k/a Gary Thomas Vojtesak he can be reached at 480-998-3200 cell# (310) 505-0000 his e-mail address is: Gary@itrafficnetwork.com or mrgzthomas@gmail.com - Fax at either 480-483-1231 or 480-718-8813 and Mr. Gary Thomas Vojtesak is available on IM at either ICQ 173644034 or Yahoo: btothevizza (father - Ronald Vojtesak tel: 623-544-4112 - Surprise, AZ 85374)

    http://www.sec.gov/litigation/litreleases/2007/lr19957.htm
    U.S. SECURITIES AND EXCHANGE COMMISSION
    Litigation Release No. 19957 / January 4, 2007
    SEC v. Exotics.com, Inc., et al. (United States District Court,
    District of Nevada, C.A. No. CV-S-05-0531-PMP-GWF) Final Judgment Against Gary Thomas a/k/a Gary Thomas Vojtesak in Market Manipulation and Financial Fraud Case

    The Securities and Exchange Commission announced today that, on December 22, 2006, a federal district court in Nevada entered a final judgment of default against Gary Thomas a/k/a Gary Thomas Vojtesak in connection with a stock manipulation and accounting fraud scheme that occurred from 1999 to 2002. The final judgment permanently enjoins Thomas from violating the antifraud, books and records, internal accounting controls, and securities ownership reporting provisions of the federal securities laws and orders him to pay civil money penalties
    totaling $540, 000.


    7600 E Doubletree Ranch Road, Suite 130 Scottsdale, AZ 85258


    https://tscsandpps.com?next_page=777_terms
    TERMS & CONDITIONS

    General Information
    GENERAL TERMS AND CONDITIONS OF USE

    This website is owned, managed and operated by ZaZaPay, LLC ("ZZP"). ZZP, in cooperation with U.S. Benefits Plus, Inc., By accessing this website and subscribing to the rights and/or privileges of 777DiscountClub.com membership, whether as a paid subscriber or on a trial basis, you agree to be bound by these General Terms and Conditions of Use whether or not you have read them. If you do not agree to these Terms and Conditions of Use, do not access this Site. The terms and conditions stated herein are in addition to and shall supplement the membership terms and conditions that you have received in your specific membership kit, which terms and conditions are incorporated herein verbatim by this specific reference.

    MEMBERSHIP FEES RIGHTS AND BENEFITS

    Your 777DiscountClub.com membership provides unlimited Internet access to ZZP's state of the art password protected website any time of the day or night, from any location with Internet service. ZZP's websites, secure servers and secure Internet connections comprise the most secure form of payment processing technology available anywhere. When you purchase a product or service on or through the Site using a credit card, debit card or your bank account information, ZZP's Internet based payment processing technology is so secure when compared to department stores and shopping malls, your membership number provides an identity theft protection benefit with every purchase.

    A 777DiscountClub.com membership is a unique and effective savings tool that entitles you to purchase products and services under terms and conditions such as price that are more favorable to and/or are not regularly available to an average consumer of the same or comparable product or service. You will have access to information regarding promotional offers, liquidation sales, and other saving opportunities offered exclusively or specially to members, or which may be available for purchase on the ZZP website, and/or through ZZP's affiliated online Vendor for a limited time. Members can download coupons, vouchers and special offers that are posted on the Site from time to time which materials could provide additional savings, discounts, or other benefits on your purchases at participating business, restaurants and retail stores in your area. You can save on products and services you may need and use often, or obtain savings and discount prices for travel and travel related packages, eating out, fine dining, leisure and entertainment, and similar .

    ZZP will provide support services, documentation or information to you or the seller when necessary to comply with the terms of sale, including proof of membership or other evidence of your entitlement to a membership benefit such as price concessions, discounts, or special delivery terms, ZZP will also provide assistance if necessary to insure the prompt and accurate fulfillment of purchase orders and/or delivery. If you are not satisfied with a product or service and want to cancel an order or obtain a refund, ZZP will provide support and assistance with your cancellation and/or refunds request in accordance with the Refund Policy provision below.

    A monthly subscription fee of $16.97 will be billed to your designated credit card or bank account until you contact us and cancel your subscription. You can contact our customer support by visiting www.777DiscountClub.com/CustomerService. ZZP reserves the right to charge an account set up fee up to $4.99 per account where deemed necessary.

    PRICE AND AVAILABILITY

    The products and services offered on or through this Site (including products and services ordered or purchased through this Site from any Vendor or participating business) are subject to availability of inventory, quantity, description and prior sale. ZZP does not guaranty that products offered on or through the Site are or will be in stock or immediately available from a manufacturer or supplier at the time of purchase. Unless otherwise provided in the terms of a specific offer or sale, You agree to permit the seller a commercially reasonable time after sale within which to obtain and ship products that are not is stock at time of sale.

    RENEWALS:

    Your 777DiscountClub membership will automatically renew on your monthly anniversary date, unless and until you notify ZZP that you do not wish to renew your subscription. On your monthly anniversary date, ZZP will bill the then-current membership fee to the credit card or bank account you have designated. If you have subscribed on a trial basis, you agree to either purchase your membership subscription at the end of the trial period, or you will contact ZZP at 866-955-0834 or visit www.777DiscountClub.com/customerservice during the trial period and cancel your purchase. If you do not cancel during the trial period, your purchase is automatically confirmed and you have authorized ZZP to bill (and/or continue to bill if applicable) the then-current membership fee to your designated credit card or bank account. The date on which you are first billed will thereafter be your monthly anniversary date.


    REFUND POLICY:
    (A) Membership Fees: All requests for refunds will be accepted by visiting our customer service website at: www.777DiscountClub.com/Customerservice, or by calling customer support at 866-955-0834 between the hours of 9:00 am - 6:00 pm Eastern Standard time. All refunds will be in the form of a credit to the credit card or bank account you have designated at the time of purchase. Refunds are not available for partial months of membership(less than a full subscription month), provided that ZZP reserves the right to cancel this Agreement upon written notice. In the event of cancellation, ZZP shall refund to you the unearned portion of your current term's membership fee.

    (B) Third Party Refund Policies: Refunds and/or cancellations relating to a purchase and/or purchase order for any product or service purchased or ordered from any seller other that ZZP, whether or not the purchase or order was placed of processed on or through the Site, shall be subject to any published or written refund, return and/or cancellation policy or procedure of the seller applicable to the sale or order. While ZZP agrees to provide its support and assistance to the members with respect to returns, refunds or cancellations, ZZP assistance shall be subject to and or limited by the terms and conditions of any written or published policy of the seller applicable to the sale or order.

    TRANSFER RESTRICTIONS AND UNAUTHORIZED USE:

    You agree that you will use your membership only for your own benefit and the benefit of members of your immediate family who reside with you at your regular home address. You may not transfer, assign, sell or lend your membership or rights to any other person. You may not authorize or permit any person who under the age or eighteen, or who does not reside at your home regardless of age. You understand and agree that YOU are personally liable for every transaction or charge incurred through the use of your membership number, whether or not you have authorized the charge or transaction. You agree to preserve and protect the privacy, secrecy and/or confidential nature of your membership number, and all personal identification information used in connection with your membership. number, including credit card information, bank account information, user ID and password, your social security number, etc. You agree to notify ZZP immediately should your membership number be lost or stolen, or should you discover any unauthorized use of your membership number or rights For your protection and the protection of our Vendors, ZZP reserves the right to suspend your account if your user name has been compromised, or used on two or more different IP addresses at the same time or so close in time that you could not physically have been present at the access locations within that time period.

    REPRESENTATIONS AND WARRANTIES OF MEMBER

    You warrant and represent that through or as a result of the rights and access authorization provided by ZZP, and/or related to ZZP's vendors, marketing partners, or other members you will not use any computer, server, digital or electronic equipment or devise, computer program or software, digital signal, digital message or communication process, website, server, or the Internet to upload, post, e-mail or otherwise send or transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment. You also agree to not interfere with the servers or networks connected to ZZP or to disobey any requirements, procedures, policies or regulations of networks connected to ZZP. ANY ATTEMPT BY A USER TO DELIBERATELY DAMAGE THIS SITE OR TO UNDERMINE THE LEGITIMATE OPERATION OF THE SITE IS A VIOLATION OF CRIMINAL AND CIVIL LAWS; IF SUCH AN ATTEMPT IS MADE, ZZP RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES FROM THE USER TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING CRIMINAL PROSECUTION.

    TECHNICAL ISSUES AND DISCLAIMER OF WARRANTY

    You acknowledge and agree that technical processing and transmission by or to ZZP, including the information you enter, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices. Access to this Site and the availability of services, materials or documents from the Site is subject interruption of access to the Internet caused by technical failures, or issues which may include interruptions beyond our control, such as your Internet access, technical failures associated with your computer, or weather/power related outages. To the extent the interruption is caused by issues within our control, we agree to re-establish access to the Site in a timely fashion, or, in our sole and absolute discretion, to terminate your service and refund any unused portion of your current, monthly subscription fee. The monthly subscription fee for access to the Site is subject to change by ZZP without notice.

    TERMINATION, AMENDMENT AND MODIFICATION

    ZZP reserves the right to amend, modify and/or change any of the terms and/or conditions set forth herein at any time without notice. The effective dates of any amendments or modifications shall be posted on the website and such modifications shall be effective as of the date of posting, Your continued access to the website and/or use of your membership rights or ZZP services will constitute your acknowledgment and acceptance of the modified or amended terms and/or conditions. ZZP retains the right at any time (and from time to time) to discontinue, modify, temporarily or permanently terminate the ZZP website (or any part thereof) with or without notifying you. If ZZP discontinues the site, ZZP will not be liable to you or any third party for such discontinuance, modification or termination.

    DISPUTE RESOLUTION

    Any dispute arising out of or related to this Agreement, including any amendments or related agreements or understandings, whether verbal or in writing, and whether arising prior to, during, or after the term of this Agreement, shall be resolved by the parties in accordance with these provisions.

    Negotiation: The parties shall first seek to resolve the dispute by way of negotiation in good faith by persons with decision-making authority regarding the dispute and, if unable to reach agreement within [10] business days, the parties shall jointly initiate a mediation, provided that if the amount is controversy is 00 or less, either party may immediately file a claim in Small Claims Court.

    Mediation: If the parties are unable to resolve the dispute through negotiation, the dispute shall be referred to mediation, by way of a single mediator jointly selected by the parties, under the auspices of the American Arbitration Association and shall participate in the procedures provided by AAA. The settlement of the parties, in writing and duly signed by all parties, is final and binding on the parties, with no rights of appeal, and shall be enforceable by the parties in accordance with contract law and any applicable legislation or treaties governing the enforceability of settlements reached through mediation in State of Arizona. If the parties are unable to reach a settlement, the mediation is without prejudice to either party's right to demand Binding Arbitration.

    Binding Arbitration: If the parties are unable to resolve the dispute through negotiation and mediation, and the amount in controversy exceeds $1000, the dispute shall be resolved by binding arbitration according to the Commercial Rules of Arbitration of the American Arbitration Association. Any arbitration shall occur in Scottsdale, Arizona, and the laws of the State of Arizona shall apply to all issues. Arbitration shall be to a single arbitrator mutually selected by the parties according to AAA rules and procedures. The arbitrator shall have binding authority to determine all issues arising out of this Agreement and to enter any legal, equitable or restitutionary remedy, including injunction and/or restitution. Fees and costs of arbitration shall be initially born by the parties equally. However, the arbitrator shall, in addition to damages or other remedy, award to the prevailing party reimbursement of all arbitration costs, expenses and reasonable attorney fees incurred, including any fees reasonably necessary to enforce the award.

    YOU UNDERSTAND THATNEITHER OF US SHALL BE ENTITLED TO A JURY TRIAL, AND THAT EXCEPT FOR CLAIMS OF $1000 OR LESS, YOU WILL NOT BE PERMITTED TO RESOLVE ANY CLAIM OR DISPUTE IN A COURT OF LAW OR EQUITY.

    PROMOTIONS AND ADVERTISING

    ZZP and/or its business partners may present advertisements or promotional materials on or through the Site or Service. Your participation in any promotion, as well as your purchase of any product or service described in such advertisements or promotional materials, whether or not any such promotion or offer is linked or available through the Site, are subject to those terms and conditions contained or referenced within the promotional materials, web page, or website associated with such offer or promotion. Your participation in other promotions on or through the Site or Service is not required by the terms of this Agreement, but is subject to any terms and conditions stated in connection with such offer or promotion. You agree that ZZP shall not be held responsible or liable for any loss of damage arising out of any other offer or promotion, and these Terms and Conditions of Use shall apply only between you and ZZP with respect to your online access to the information posted on this Site.

    CHANGES TO THE SITE - UPDATES - Changes may be made at any time to the information, names, text, software, images, pictures, logos trade-marks, products and services and any other material displayed on, offered through or contained on this Site.

    CHANGES TO TERMS AND CONDITIONS

    ZZP may at any time, and at their sole discretion, modify these Terms and Conditions of Use, with or without notice. Amendments or modifications will be effective immediately upon posting. You agree to review these Terms and Condition of Use periodically and your continued use of this Site following such modifications will indicate your acceptance of these modified Terms and Conditions of Use. If you do not agree to any modification of these Terms and Conditions of Use, you must immediately stop using this Site.

    LINKS

    This Site may contain links to or references to third party Sites. These links are provided for your convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content of any third party contained in, referred to, included on, or linked from or to this Site. Any information, data, opinions, recommendation, products or services provided by such third parties through links to other Sites or otherwise made available through their Sites are solely those of such third parties and not of ZZP or its Vendor. Your use of such third party Sites is subject to the terms and conditions of use and the privacy policies of such Sites.

    BILLING FRAUD AND FRAUD RESOLUTION

    ZZP and its payment processing affiliates have a zero tolerance policy for fraudulent transactions, including the use of unauthorized bank account or other billing information as payment for products and services. ZZP will prosecute the fraudulent use of billing information to the fullest extent of the law. In the event of a claim of unauthorized billing or fraud, you agree to assist ZZP in the timely and complete resolution of the claim, including where applicable the provision of other or additional billing information on your account.

    INTELLECTUAL PROPERTY

    The materials displayed on or contained within this Site including, without limitation, all Site software, design, text, editorial materials, informational text, photographs, illustrations, games, audio clips, video clips, short features, artwork and other graphic materials, and names, logos, trademarks and service marks (the "Materials"), are the property of ZZP or its licensors and are protected by copyright, trademark and other intellectual property laws. 777DiscountClub.com name, logo, business and marketing methods, web designs, graphics and related trade dress or marks (collectively the "Materials") are the intellectual property of ZZP and/or its licensors. All rights reserved. You agree not to reproduce, modify, create derivative works from, display, perform, distribute, disseminate, broadcast or circulate any Materials to any third party (including, without limitation, the display and distribution of Materials via a third part Site) without express prior written consent of ZZP. Use of Materials is only permitted with the express written permission of ZZP and/or its licensors. You further agree that you will not disassemble, decompile, reverse engineer or otherwise modify the Materials. This Section will survive the termination of your right to use this Site.

    DISCLAIMER OF WARRANTIES

    THIS SITE, ITS CONTENTS, AND ANY SOFTWARE, PRODUCTS, AND SERVICES OFFERED OR CONTAINED HEREIN ARE PROVIDED ON AN "AS IS" BASIS AND ON AN "AS AVAILABLE" BASIS. ZZP MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH RESPECT TO THIS SITE, ITS CONTENTS, OR SUCH SOFTWARE PRODUCTS AND SERVICES, AND DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES, INCLUDING, WITHOUT LIMITATION, FOR EXAMPLE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE., NON-INFRINGEMENT OF THIRD PARTY RIGHTS, ERROR-FREE OR UNINTERRUPTED SERVICE, ACCURACY AVAILABILITY, RELIABILITY, SECURITY, CURRENCY AND COMPLETENESS ARISING FROM OR RELATING TO THIS SITE, ITS CONTENT OR ANY LINKS, ANY SOFTWARE, TOOLS, TIPS, PRODUCT OR SERVICES PROVIDED THROUGH THIS SITE. IN ADDITION, ZZP DOES NOT REPRESENT OR WARRANT THAT THE INFORMATIONACCESSIBLE VIA THIS SITE IS ACCURATE, COMPLETE OR CURRENT.PRICE AND AVAILABILITY INFORMATION IS SUBJECT TO CHANGE WITHOUT NOTICE.
    LIMITATION OF LIABILITY

    IN NO EVENT SHALL ZZP, ITS AFFILIATES, AND ANY OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR OTHER REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR AGGRAVATED DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY AND THIRD PARTY CLAIMS) OR ANY OTHER DAMAGES OF ANY KIND, ARISING OUT OF OR IN CONNECTION WITH: THIS SITE; ANY MATERIALS, INFORMATION, QUALIFICATION AND RECOMMENDATIONS APPEARING ON THIS SITE; ANY SOFTWARE, TOOLS, TIPS, PRODUCTS, OR SERVICES OFFERED THROUGH, CONTAINED IN OR ADVERTISED ON THIS SITE; ANY LINK PROVIDED ON THIS SITE; AND YOUR ACCOUNT AND PASSWORD, WHETHER OR NOT ZZP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS EXCLUSION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. THIS PROVISION SHALL SURVIVE THE TERMINATION OF YOUR RIGHT TO USE THIS SITE. YOU ACKNOWLEDGE THAT YOU WILL BE FULLY LIABLE FOR ALL DAMAGES RESULTING DIRECTLY OR INDIRECTLY FROM YOUR USE OF THIS SITE.

    ZZP MAKES NO WARRANTY THAT THE FUNCTIONS OF THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE OR THAT ANY ERRORS ON THIS SITE WILL BE CORRECTED. ZZP ASSUMES NO RESPONSIBILITY FOR (1) ANY PROBLEMS RELATING TO TECHNICAL MALFUNCTION OR DELAYS OF TELEPHONE NETWORKS OR LINES, COMPUTER ON-LINE SYSTEMS, SERVERS, PROVIDERS, COMPUTER EQUIPMENT, OR SOFTWARE, (2) FAILURE OF ANY E-MAIL TO BE RECEIVED DUE TO TECHNICAL PROBLEMS OR TRAFFIC CONGESTION OF THE INTERNET, ZZP SITES, OR ANY COMBINATION THEREOF. TO THE EXTENT PERMITTED BY APPLICABLE LAW, ZZP SHALL NOT BE LIABLE TO YOU FOR ANY DAMAGES, LOSSES, CONSEQUENTIAL OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION ANY INJURY OR DAMAGE TO YOUR COMPUTER AND/OR ANY OTHER COMPUTERS OR COMPUTER EQUIPMENT AS THE RESULT OF DOWNLOADING ANY MATERIALS RELATING TO THIS SITE.

    INDEMNIFICATION

    You agree to indemnify and hold harmless ZZP and its affiliates and their respective directors, officers, employees, agents or other representatives from and against all claims, liability and expenses, including all legal fees and costs arising from or relating to (a) your breach of these Terms and Conditions of Use; and (b) your use of this Site including transmission or placement of information or material by you on this Site. This provision shall survive the termination of your right to use this Site.

    CONSENT TO ELECTRONIC COMMUNICATIONS

    You consent to receive communications from ZZP electronically, either by e-mail or by notices posted on this site, as determined by ZZP in its sole discretion. You agree that any requirement that a notice, disclosure, agreement, or other communication be sent to you by ZZP in writing is satisfied by such electronic communication. You agree that ZZP may send you e-mails, which include notices about your account as well as information pertaining to our service, such as featured products or new offerings. You agree that this information is part of your membership and your relationship with ZZP.

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