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The American Dream 45
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Terms of Use

Effective April 17, 2010

By registering with The American Dream 45 Incorporated, you become a registered user and a "Member", whereby The American Dream 45 Incorporated offers certain services to you, the Member, conditioned on your agreement to adhere to the following terms of use ("Terms of Use").

These Terms of Use govern your use of The American Dream 45 Incorporated service and Web site. By using, visiting, or browsing The American Dream 45 Incorporated Web site, you accept and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you should not use The American Dream 45 Incorporated service or Web site.

These Terms of Use are an ongoing contract between you and TheAmericanDream45, TDA45.com and apply to your use of The American Dream 45 Incorporated service and Web site. These Terms of Use affect your rights and you should read them carefully.

Changes to Terms of Use
The most current version of these Terms of Use can be reviewed by clicking on the "Terms of Use" located at the bottom of the pages of The American Dream 45 Incorporated Web site. The most current version of the Terms of Use will supersede all previous versions. Your use of The American Dream 45 Incorporated Web site or continued use of our service after changes are made means that you agree to be bound by such changes.

Privacy
Any information submitted on The American Dream 45 Web site is subject to our Privacy Policy. Please review our Privacy Policy to understand our practices. The date of any changes to our Privacy Policy will be noted at the top of our Privacy Policy.

Subscription Types and Billing:
The American Dream 45 Incorporated is an online subscription service providing its members with access to a comprehensive database of pre paid mortgage accelerations services and other related services.

The American Dream 45 Incorporated currently charges a subscription fee for different plan starting with a sign up fee of $45.00 following a 7 day trial period. The monthly subscription fee is calculated from the day of the month that your paid subscription commences. Your monthly subscription fee is base on the plan you choose per month.

At the time you registered, you agreed to a specific term of subscription. For example, the term may be monthly, quarterly, semi-annually or annually. The term of your subscription will automatically renew for indefinite successive renewal terms for the same period as the initial term unless terminated by you or The American Dream 45 Incorporated. 

Your credit card may be subject to a PRE-AUTHORIZATION at the time of your order. THE PRE-AUTHORIZATION IS NOT A CHARGE TO THE CREDIT CARD. THE APPLICABLE MONTHLY SUBSCRIPTION CHARGE MAY BE RESERVED AGAINST YOUR AVAILABLE CREDIT LIMIT OR AVAILABLE FUNDS BALANCE FOR COLLECTION AT THE END OF THE PERIOD.

By using The American Dream 45 Incorporated service, you are expressly agreeing that we are permitted to bill you for subscription fees and any other charges you may incur in connection with your use of The American Dream 45 Incorporated  service. As used in these Terms of Use, "billing" shall indicate either a charge or debit, as applicable, against your Payment Method, including a checking account, where applicable. The subscription fee will be billed at the beginning of your subscription and on each successive renewal term thereafter unless and until you cancel your subscription. Click on the "My Account" link to see the commencement date for your next renewal period. We may change the fees and charges in effect, or add new fees and charges from time to time, but we will give you advance notice of these changes by e-mail.

The American Dream 45 Incorporated may offer different subscription terms on its Web site and the membership fees for such subscriptions may vary.
Content on the Web site and various services, whether offered by The American Dream 45 Incorporated, third-party Service Providers or others, may require additional fees.

Promotional Offers
From time to time, in The American Dream 45 Incorporated sole discretion, The American Dream 45 Incorporated  pre paid mortgage acceleration services may offer a reduced membership fee, varying trial membership durations (if any) or different terms altogether, for a specified promotional period, to Veterans or other selected customers. Terms of the promotional offer, including the promotional price and duration of the promotional price, may vary from time to time. Specific details of your offer not covered in these Terms of Use will be explained on the web page where you indicate your acceptance of the promotional offer.

Automatic Renewals
The American Dream 45 Incorporated primarily charges a monthly subscription fee but other term time periods are available and apply to this agreement. Your subscription will be automatically renewed for successive terms unless cancelled. We will bill the subscription fee to the Payment Method you provide to us during registration. Your subscription will automatically renew for successive terms, without prior notice to you, unless and until you cancel your subscription or we terminate it. You must cancel your subscription before it renews in order to avoid billing of the next term's subscription fees to your Payment Method.

Cancellation
You may cancel your subscription to The American Dream 45 Incorporated at anytime, and cancellation will be effective immediately. WE DO NOT PROVIDE REFUNDS OR CREDITS FOR ANY PARTIAL-MONTH SUBSCRIPTION PERIODS. To cancel, click the link "Cancel" on the "My Account" page and follow the simple instructions provided. You may also cancel by telephone during business hours. Please call us at 770-573-3222 from Monday-Friday, 10AM-6PM. EST and Saturday-Sunday, 10AM-5PM. EST.

Testimonials
If you are a customer and send an email to the website, or if you communicate with the site by phone or mail, the website collects information about your communication and by communicating with the site you give your permission to collect, archive, retrieve, and otherwise use any information collected as the site sees fit. Any communication which, in its sole discretion, the site deems to be a testimonial, may be publicized for commercial purposes.

Disclaimers of Warranties and Limitations on Liability
The American Dream 45 Incorporated SERVICE, INCLUDING ALL FEATURES ASSOCIATED THEREWITH, THE WEB SITE AND ITS CONTENTS ARE PROVIDED "AS IS" WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND AND WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH RESPECT TO The American Dream 45 Incorporated SERVICE, THE WEB SITE AND ITS CONTENTS. We assume no liability or responsibility for any errors or omissions in the content of The American Dream 45 Incorporated  Web site, any failures, delays, or interruptions in the delivery of any content contained on The American Dream 45 Incorporated Web site, including any losses or damages arising from the use of the content provided on the tad45.com Web site, or The American Dream 45 Incorporated  service. TO THE EXTENT ALLOWABLE BY LAW, WE AND OUR LICENSOR'S DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, INCLUDING, FOR EXAMPLE, WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. In addition, we do not represent or warrant that the information accessible via our site is accurate, complete or current. We do not represent or guarantee that your use of the service will be free from loss, corruption, attack, viruses, interference, hacking, or other security intrusion and we disclaim any liability with respect thereto. No oral or written information or advice given by us or our authorized representative shall create a warranty or otherwise constitute a representation binding upon The American Dream 45 Incorporated or its affiliated parties.

In no event shall our total liability to you for all damages for losses arising from the use or inability to use our Website, its contents or our service, including any features associated therewith exceed the amount of one month's subscription fee on your subscription plan. The foregoing limitations will apply even if the above stated remedy fails of its essential purpose. If any applicable authority holds any portion of this section to be unenforceable, then liability will be limited to the fullest possible extent permitted by applicable law.

Equal Housing Opportunity
Property owners and managers are subject to the Fair Housing Act, which prohibits "any preference, limitation, or discrimination in the sale, rental and financing of dwellings because of race, color, religion, sex, handicap, familial status, or national origin.”

The American Dream 45 Incorporated supports Equal Housing Opportunity and we encourage users of our services and site to follow appropriate guidelines to comply with both the Federal Housing Act, as well as any applicable state and local regulations.

Property Owner's or Manager's Responsibilities
As a property owner or manager you have a responsibility and a requirement under the law not to discriminate in the sale or lease of property on the basis of race, color, religion, sex, handicap, familial status, or national origin. You cannot instruct your agent to convey on your behalf any limitations in the sale or lease because your agent is bound by law not to discriminate. Agents in a sale or lease transaction are prohibited by law from discriminating on the basis of race, color, religion, sex, handicap, familial status, or national origin. They are prohibited from complying with a request from the property owner or manager to act in a discriminatory manner in the sale or lease. Moreover, a property owner or manager cannot establish discriminatory terms or conditions in the purchase or lease, deny that housing is available, or advertise that the property is available only to persons of a certain race, color, religion, sex, handicap, familial status, or national original.

Homeowners  Buyer's  Rights
As someone seeking to pre paid your mortgage, buy a home, or condo, you have the right to expect that housing will be available to you without discrimination or other limitations based on race, color, religion, sex, handicap, familial status, or national origin. This includes the right to expect equal professional service, the opportunity to consider a broad range of housing choices, no discriminatory limitations on communities or locations of housing, no discrimination in the pricing or financing of housing, reasonable accommodations in rules, practices and procedures for persons with disabilities, and to be free from harassment or intimidation for exercising your fair housing rights.

Copyright
The compilation of all content on this site is the exclusive property of The American Dream 45 Incorporated. You agree not to decompile, reverse engineer or disassemble any software or other products or processes accessible through The American Dream 45 Incorporated Web site, not to insert any code or product or manipulate the content of The American Dream 45 Incorporated Web site in any way that affects the user's experience, and not to use any data mining, data gathering or extraction method. The American Dream 45 Incorporated reserves the right to terminate your subscription hereunder if The American Dream 45 Incorporated, in its sole and absolute discretion, believes that you are in violation of this paragraph. The use of The American Dream 45 Incorporated is for your personal and non-commercial use.

Trademarks
The American Dream 45 Incorporated is a registered trademark. The American Dream 45 Incorporated logo and tad45 website are trademarks or service marks. The American Dream 45 Incorporated Web site, including but not limited to its graphics, logos, page headers, button icons, scripts and service names constitute trade dress of The American Dream 45 Incorporated. The trademarks, service marks and trade services of The American Dream 45 Incorporated may not be used or reproduced without prior written approval from The American Dream 45 Incorporated, and may not be used in connection with any product or service that is not affiliated with The American Dream 45 Incorporated, in any manner that is likely to cause confusion among customers, in any manner that dilutes the rights of The American Dream 45 Incorporated, or in any manner that disparages or discredits The American Dream 45 Incorporated  Other trademarks that appear on The American Dream 45 Incorporated Web site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by The American Dream 45 Incorporated. Any images of persons or personalities contained on The American Dream 45 Incorporated Web site are not an indication or endorsement of The American Dream 45 Incorporated  or any particular product or our service unless otherwise indicated.

Electronic Communications
By using The American Dream 45 Incorporated service, you consent to receiving electronic communications from The American Dream 45 Incorporated (tad45.com)  These communications will include notices about your account and information concerning or related to our service. These communications are part of your relationship with The American Dream 45 Incorporated  and you receive them as part of The American Dream 45 Incorporated pre paid mortgage acceleration subscription. You agree that any notice, agreements, disclosure or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.

Limitations on Use
You must be 18 years of age or older to subscribe to The American Dream 45 Incorporated   services. Unless otherwise specified, the content on The American Dream 45 Incorporated Web site is for your personal and non-commercial use and we grant you a limited license to access The American Dream 45 Incorporated Web site for that purpose. You may not download, modify, copy, distribute, transmit, display, perform, reproduce, duplicate, publish, license, create derivative works from, or offer for sale any information contained on, or obtained from, The American Dream 45 Incorporated  Web site without our express written consent. We reserve the right to terminate or restrict your use of our service, without notice, for any or no reason whatsoever.

Links
In addition, other Web sites may link to The American Dream 45 Incorporated Web site. has not reviewed these Web sites and is not responsible for the content or privacy policies of these Web sites.

Disputes; Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the state of Georgia, without regard to conflicts of law provisions. You and The American Dream 45 Incorporated agree that the United States District Court and/or the Georgia Superior Court for the County of Rockdale shall have exclusive jurisdiction over any dispute between you and The American Dream 45 Incorporated relating in any way to The American Dream 45 Incorporated  service or Web site or these Terms of Use. You and The American Dream 45 Incorporated  expressly and irrevocably consent to personal jurisdiction and venue in these courts. The parties agree that in any such dispute or subsequent legal action, they will only assert claims in an individual (non-class, non-representative) basis, and that they will not seek or agree to serve as a named representative in a class action or seek relief on behalf of those other than themselves.

The American Dream 45 Incorporated  (“tad45.com”)
PO BOX 83430
Conyer's, Ga. 30013
support@tad45.com


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P.O. Box 83430 | Conyers | GA 30013 | Phone: (770) 573-3222 Email: ian@tad45.com

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