These Terms of Service ("Terms") govern your use of etceteracompanies.com (the "Site"), operated by The Etcetera Companies LLC ("Etcetera," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
01 About this Site
This is a corporate and informational website for a holding company. Nothing on the Site is an offer to sell, or a solicitation to buy, any product, security, or service, and nothing here creates any advisory, fiduciary, or professional relationship. Information is provided for general informational purposes and may change without notice.
02 Our brands are separate services
We operate consumer brands, including Not Your Score (notyourscore.com), Rate Rebel (theraterebel.com), and TubSwap (tubswap.com). Each brand site is governed by its own terms and privacy policy. These Terms apply only to this corporate Site. Our brands are free matching services and are not lenders, insurers, or contractors; any product or service obtained through a brand is solely between the consumer and the applicable third-party provider.
03 Intellectual property
The Site and its contents — text, graphics, logos, and design — are owned by or licensed to The Etcetera Companies LLC and are protected by intellectual-property laws. The names and marks "The Etcetera Companies," "Not Your Score," "Rate Rebel," and "TubSwap," whether registered or unregistered, are trade names or marks of The Etcetera Companies LLC. You may view the Site for personal, non-commercial purposes; you may not copy, reproduce, republish, or distribute its contents without our prior written consent.
04 Acceptable use
You agree not to use the Site to violate any law, infringe any rights, transmit harmful code, attempt to gain unauthorized access, or interfere with the Site's operation or security.
05 Third-party links
The Site may link to third-party websites, including our brand sites and external pages. We are not responsible for the content, policies, or practices of third-party sites. Access them at your own risk and review their terms.
06 Disclaimers
The Site is provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that information on it is accurate or complete.
07 Limitation of liability
To the fullest extent permitted by law, The Etcetera Companies LLC and its members, officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from or related to your use of the Site, even if advised of the possibility of such damages.
08 Indemnification
You agree to indemnify and hold harmless The Etcetera Companies LLC from any claims, damages, liabilities, and expenses arising out of your use of the Site or your violation of these Terms.
09 Governing law
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules. Any dispute relating to these Terms or the Site will be subject to the exclusive jurisdiction of the state and federal courts located in Wyoming, unless otherwise required by applicable law.
10 Changes to these Terms
We may update these Terms from time to time. Changes take effect when posted, and we will revise the "Last updated" date above. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
11 Contact us
The Etcetera Companies LLC
302 N Gould St, Ste R
Sheridan, WY 82801
Email: [email protected]