Terms of Use - National - Consumers' Checkbook

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class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Home Care</h4> <ul> <li><a href="/national/appliance-repair/">Appliance Repair</a></li> <li><a href="/national/basement-waterproofers/">Basement Waterproofers</a></li> <li><a href="/national/carpet-and-rug-cleaners/">Carpet & Rug Cleaners</a></li> <li><a href="/national/home-contractors/">Contractors: Remodelers & General</a></li> <li><a href="/national/electricians/">Electricians</a></li> <li><a href="/national/exterminators/">Exterminators</a></li> <li><a href="/national/air-conditioning-and-heating-contractors/">Heating & Air-Conditioning Contractors</a></li> <li><a href="/national/home-security/">Home Security</a></li> <li><a href="/national/painters/">Painters</a></li> <li><a href="/national/plumbers/">Plumbers</a></li> <li><a href="/national/roofers/">Roofers</a></li> <li><a href="/national/saving-energy-at-home/">Saving Energy at Home</a></li> <li><a href="/national/tree-care/">Tree Care Services</a></li> <li><a href="/national/window-installers/">Window Installers & Repair</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Financial</h4> <ul> <li><a href="/national/30-tricks-sellers-use-to-make-you-pay-up/">30 Tricks Sellers Use to Manipulate You</a></li> <li><a href="/national/65-things-you-shouldnt-pay-for/">65 Things You (Probably) Shouldn't Pay For</a></li> <li><a href="/national/buy-now-pay-later/">Buy Now, Pay Later Often a Debt Trap</a></li> <li><a href="/national/credit-card-chargebacks-a-consumer-superweapon/">Credit Cards Provide Strong Protections for Consumers</a></li> <li><a href="/national/getting-rid-of-your-unwanted-stuff/">Getting Rid of Your Unwanted Stuff</a></li> </ul> <h4>Personal Services</h4> <ul> <li><a href="/national/cell-phone-services/">Cell Phone Services</a></li> <li><a href="/national/drycleaners/">Drycleaners</a></li> <li><a href="/national/florists/">Florists</a></li> <li><a href="/national/fitness-centers/">Gyms & Fitness Centers</a></li> <li><a href="/national/housecleaners/">Housecleaners</a></li> <li><a href="/national/movers/">Movers</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Pet Care</h4> <ul> <li><a href="/national/dog-groomers/">Dog Groomers</a></li> <li><a href="/national/kennels/">Kennels</a></li> <li><a href="/national/pet-insurance/">Pet Insurance</a></li> <li><a href="/national/pet-sitters/">Pet Sitters/House Sitters</a></li> <li><a href="/national/veterinarians/">Veterinarians</a></li> </ul> <h4>Stores</h4> <ul> <li><a href="/national/appliance-stores/">Appliance Stores</a></li> <li><a href="/national/bike-shops/">Bike Shops</a></li> <li><a href="/national/carpet-stores-and-installers/">Carpet Stores & Installers</a></li> <li><a href="/national/computer-stores/">Computer Stores</a></li> <li><a href="/national/furniture-stores/">Furniture Stores</a></li> <li><a href="/national/garden-centers/">Garden Centers</a></li> <li><a href="/national/supermarkets/">Grocery Stores & Delivery Services</a></li> </ul> </div> </div> </div> <div class="col-xs-7 col-sm-9 col-md-10 services--expanded--level-two " id="subsection-2"> <img alt="Consumers Checkbook" class="services--checkmark" src="/assets/img/template/faded-checkmark.svg"> <div class="row"> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Ratings & Advice</h4> <ul> <li><a href="/national/auto-body-shops/">Auto Body Shops</a></li> <li><a href="/national/auto-detailers/">Auto Detailers</a></li> <li><a href="/national/auto-glass-repair/">Auto Glass Repair & Replacements</a></li> <li><a href="/national/auto-repair-shops/">Auto Repair Shops</a></li> <li><a href="/national/auto-insurance/">Car Insurance</a></li> <li><a href="/national/rental-car-insurance/">Rental Car Insurance: Should You Buy It?</a></li> <li><a href="/national/tire-pressure-advice/">Tire Pressure Advice</a></li> <li><a href="/national/tire-stores/">Tire Stores</a></li> <li><a href="/national/used-cars-often-sold-with-dangerous-defects/">Used Cars Often Sold with Dangerous Defects</a></li> <li><a href="/national/used-car-certifications-often-not-meaningful/">Used-Car Certifications Often Not Meaningful</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Buying a New Car</h4> <ul> <li><a href="/national/car-buying-strategies-for-a-good-deal/">Car Buying Strategies</a></li> <li><a href="/national/extended-warranties-for-new-cars/">Don't Buy a Vehicle Service Contract</a></li> <li class="see-all"><a href="/national/auto">See all Auto Services</a></li> </ul> </div> </div> </div> <div class="col-xs-7 col-sm-9 col-md-10 services--expanded--level-two " id="subsection-3"> <img alt="Consumers Checkbook" class="services--checkmark" src="/assets/img/template/faded-checkmark.svg"> <div class="row"> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Popular</h4> <ul> <li><a href="/national/acupuncturists/">Acupuncturists</a></li> <li><a href="/national/aging-in-place/">Aging In Place</a></li> <li><a href="/national/assisted-living-facilities/">Assisted Living</a></li> <li><a href="/national/chiropractors/">Chiropractors</a></li> <li><a href="/national/dentists/">Dentists</a></li> <li><a href="/national/doctors/">Doctors</a></li> <li><a href="/national/hearing-aid-dispensers/">Hearing Centers</a></li> <li><a href="/national/medical-alert-devices/">Medical Alert Devices</a></li> <li><a href="/national/medical-treatments-reducing-unnecessary-tests-and-procedures/">Medical Tests & Procedures: Reducing Unnecessary Care</a></li> <li><a href="/national/nursing-homes/">Nursing Homes</a></li> <li><a href="/national/opticians-optometrists-buying-eyewear/">Opticians, Optometrists, & Buying Eyewear</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Doctors</h4> <ul> <li><a href="/national/is-your-doctor-board-certified/">Doctor Board Certification: Is Yours Certified? Does It Matter?</a></li> <li><a href="/national/doctors/">Doctors</a></li> <li><a href="/national/surgeon-ratings/">Surgeon Ratings</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Dentists</h4> <ul> <li><a href="/national/dentists/">Dentists</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>More Ratings & Advice</h4> <ul> <li><a href="/national/emergency-rooms/">Emergency Rooms</a></li> <li><a href="/national/laser-eye-surgery/">Laser Eye Surgery</a></li> <li><a href="/national/do-your-own-medical-research/">Medical Research: Doing Your Own</a></li> <li><a href="/national/saving-on-over-the-counter-drugs/">Over-the-Counter Drug Prices</a></li> <li><a href="/national/personal-trainers/">Personal Trainers</a></li> <li class="see-all"><a href="/national/health">See all Healthcare Providers</a></li> </ul> </div> </div> </div> <div class="col-xs-7 col-sm-9 col-md-10 services--expanded--level-two " id="subsection-4"> <img alt="Consumers Checkbook" class="services--checkmark" src="/assets/img/template/faded-checkmark.svg"> <div class="row"> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Popular</h4> <ul> <li><a href="/national/appliance-repair/">Appliance Repair</a></li> <li><a href="/national/carpet-and-rug-cleaners/">Carpet & Rug Cleaners</a></li> <li><a href="/national/home-contractors/">Contractors: Remodelers & General</a></li> <li><a href="/national/electricians/">Electricians</a></li> <li><a href="/national/exterminators/">Exterminators</a></li> <li><a href="/national/flooring-installers/">Flooring Suppliers & Installers</a></li> <li><a href="/national/handyman-services/">Handyman Services</a></li> <li><a href="/national/air-conditioning-and-heating-contractors/">Heating & Air-Conditioning Contractors</a></li> <li><a href="/national/housecleaners/">Housecleaners</a></li> <li><a href="/national/painters/">Painters</a></li> <li><a href="/national/plumbers/">Plumbers</a></li> <li><a href="/national/roofers/">Roofers</a></li> <li><a href="/national/tree-care/">Tree Care Services</a></li> <li><a href="/national/window-installers/">Window Installers & Repair</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>More Ratings & Advice</h4> <ul> <li><a href="/national/architects/">Architects</a></li> <li><a href="/national/basement-waterproofers/">Basement Waterproofers</a></li> <li><a href="/national/cabinet-suppliers/">Cabinet Suppliers</a></li> <li><a href="/national/carpenters/">Carpenters</a></li> <li><a href="/national/carpet-stores-and-installers/">Carpet Stores & Installers</a></li> <li><a href="/national/concrete-contractors/">Concrete Contractors</a></li> <li><a href="/national/countertop-suppliers/">Countertop Suppliers</a></li> <li><a href="/national/door-installers/">Door Installers</a></li> <li><a href="/national/air-duct-cleaners/">Duct Cleaners</a></li> <li><a href="/national/fence-builders/">Fence Builders</a></li> <li><a href="/national/floor-refinishers/">Floor Refinishers</a></li> <li><a href="/national/garage-door-installers/">Garage Door Installers</a></li> <li><a href="/national/gutter-cleaners/">Gutter Cleaners</a></li> <li><a href="/national/home-inspectors/">Home Inspectors</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <ul> <li><a href="/national/home-warranties/">Home Warranties</a></li> <li><a href="/national/insulation-contractors/">Insulation Contractors</a></li> <li><a href="/national/landscape-designers/">Landscape Designers</a></li> <li><a href="/national/landscapers/">Landscapers</a></li> <li><a href="/national/lawn-care/">Lawn Care Services</a></li> <li><a href="/national/locksmiths/">Locksmiths</a></li> <li><a href="/national/masons/">Masons</a></li> <li><a href="/national/power-wash-services/">Power Wash Services</a></li> <li><a href="/national/tile-installers/">Tile Installers</a></li> <li><a href="/national/window-washers/">Window Washers</a></li> <li class="see-all"><a href="/national/home">See all Home Services</a></li> </ul> </div> </div> </div> <div class="col-xs-7 col-sm-9 col-md-10 services--expanded--level-two " id="subsection-5"> <img alt="Consumers Checkbook" class="services--checkmark" src="/assets/img/template/faded-checkmark.svg"> <div class="row"> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Popular</h4> <ul> <li><a href="/national/65-things-you-shouldnt-pay-for/">65 Things You (Probably) Shouldn't Pay For</a></li> <li><a href="/national/buy-now-pay-later/">Buy Now, Pay Later Often a Debt Trap</a></li> <li><a href="/national/auto-insurance/">Car Insurance</a></li> <li><a href="/national/tips-for-saving-when-shopping-online/">Checkbook’s Top Shopping Tips</a></li> <li><a href="/national/credit-card-chargebacks-a-consumer-superweapon/">Credit Cards Provide Strong Protections for Consumers</a></li> <li><a href="/national/estate-planning-tasks-and-tips/">Estate Planning Tasks & Tips</a></li> <li><a href="/national/getting-rid-of-your-unwanted-stuff/">Getting Rid of Your Unwanted Stuff</a></li> <li><a href="/national/home-warranties/">Home Warranties</a></li> <li><a href="/national/sale-fail/">Sale Prices Are Rarely Real Deals</a></li> <li><a href="/national/how-to-write-a-will-or-living-will/">Wills and Living Wills: Help with Preparing Yours</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>More Ratings & Advice</h4> <ul> <li><a href="/national/cashback-shopping-portals/">Cashback Shopping Portals</a></li> <li><a href="/national/how-to-complain/">Complaining: How to Get Results</a></li> <li><a href="/national/finding-the-best-credit-card/">Credit Cards: How to Choose the Best One</a></li> <li><a href="/national/should-you-buy-extended-warranties/">Extended Product Warranties</a></li> <li><a href="/national/financial-advisors/">Financial Advisors</a></li> <li><a href="/national/financial-documents/">Financial Documents: Create a Paper Trail for Your Heirs</a></li> <li><a href="/national/free-perks/">Free Perks You Didn't Know You Have</a></li> <li><a href="/national/homeowners-insurance/">Homeowners Insurance</a></li> <li><a href="/national/identity-theft-protecting-your-investment-and-retirement-accounts/">Identity Theft: Are Your Investment and Retirement Accounts Protected?</a></li> <li><a href="/national/life-insurance/">Life Insurance</a></li> <li><a href="/national/how-safe-are-your-passwords/">Password Safety</a></li> <li><a href="/national/pet-insurance/">Pet Insurance</a></li> <li><a href="/national/happy-returns-and-gift-card-tips/">Returning Items to Retailers: Tips for Smooth Transactions</a></li> <li><a href="/national/pricematching/">These Retailers Price Match or Make Price Adjustments</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <ul> <li><a href="/national/timeshare-exit-companies-deserve-a-time-out/">Timeshare Exit Companies Deserve a Time Out</a></li> <li><a href="/national/travel-insurance-what-should-you-buy/">Travel Insurance</a></li> <li><a href="/national/vehicle-service-contracts/">Vehicle Service Contracts</a></li> <li><a href="/national/water-and-sewer-line-warranties/">Water & Sewer Line Warranties</a></li> <li><a href="/national/how-to-write-a-will-or-living-will/">Wills and Living Wills: Help with Preparing Yours</a></li> <li class="see-all"><a href="/national/financial">See all Financial Services</a></li> </ul> </div> </div> </div> <div class="col-xs-7 col-sm-9 col-md-10 services--expanded--level-two " id="subsection-6"> <img alt="Consumers Checkbook" class="services--checkmark" src="/assets/img/template/faded-checkmark.svg"> <div class="row"> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Popular</h4> <ul> <li><a href="/national/aging-in-place/">Aging In Place</a></li> <li><a href="/national/cell-phone-services/">Cell Phone Services</a></li> <li><a href="/national/computer-repair/">Computer Repair</a></li> <li><a href="/national/drycleaners/">Drycleaners</a></li> <li><a href="/national/elder-villages/">Elder Villages</a></li> <li><a href="/national/estate-sales/">Estate Sales</a></li> <li><a href="/national/florists/">Florists</a></li> <li><a href="/national/framing-shops/">Framing Shops</a></li> <li><a href="/national/getting-rid-of-your-unwanted-stuff/">Getting Rid of Your Unwanted Stuff</a></li> <li><a href="/national/handyman-services/">Handyman Services</a></li> <li><a href="/national/housecleaners/">Housecleaners</a></li> <li><a href="/national/interior-designers/">Interior Designers</a></li> <li><a href="/national/movers/">Movers</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>More Ratings & Advice</h4> <ul> <li><a href="/national/child-care-tips-for-saving/">Child Care: Tips for Saving</a></li> <li><a href="/national/closet-organizers/">Closet Organizers</a></li> <li><a href="/national/clothing-rental/">Clothing Rental</a></li> <li><a href="/national/clothing-resale-options/">Clothing Resale Options</a></li> <li><a href="/national/dance-classes/">Dance Classes</a></li> <li><a href="/national/day-care-centers/">Day Care Centers</a></li> <li><a href="/national/dealing-with-your-digital-clutter/">Dealing with Your Digital Clutter</a></li> <li><a href="/national/decluttering-strategies/">Decluttering Strategies</a></li> <li><a href="/national/energy-use-consultants/">Energy Use Consultants</a></li> <li><a href="/national/free-perks/">Free Perks You Didn't Know You Have</a></li> <li><a href="/national/funeral-homes/">Funeral Homes</a></li> <li><a href="/national/medical-alert-devices/">Medical Alert Devices</a></li> <li><a href="/national/nannies-hiring-tips/">Nannies: Hiring Tips</a></li> <li><a href="/national/organizers/">Organizers</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <ul> <li><a href="/national/photographers/">Photographers</a></li> <li><a href="/national/piano-tuners/">Piano Tuners</a></li> <li><a href="/national/salons/">Salons</a></li> <li><a href="/national/self-storage-facilities/">Self-Storage Facilities</a></li> <li><a href="/national/shoe-repair/">Shoe Repair</a></li> <li><a href="/national/tailors/">Tailors & Sewing Shops</a></li> <li><a href="/national/travel-agencies/">Travel Agencies</a></li> <li><a href="/national/watch-repair/">Watch Repair Shops</a></li> <li><a href="/national/water-saving-tips/">Water-Saving Tips</a></li> <li><a href="/national/wedding-and-bridal-shops/">Wedding & Bridal Shops</a></li> <li><a href="/national/wedding-consultants/">Wedding Consultants</a></li> <li class="see-all"><a href="/national/personal">See all Personal Services</a></li> </ul> </div> </div> </div> <div class="col-xs-7 col-sm-9 col-md-10 services--expanded--level-two " id="subsection-7"> <img alt="Consumers Checkbook" class="services--checkmark" src="/assets/img/template/faded-checkmark.svg"> <div class="row"> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Ratings & Advice</h4> <ul> <li><a href="/national/dog-groomers/">Dog Groomers</a></li> <li><a href="/national/kennels/">Kennels</a></li> <li><a href="/national/pet-supplies/">Pet Food Prices</a></li> <li><a href="/national/pet-insurance/">Pet Insurance</a></li> <li><a href="/national/pet-sitters/">Pet Sitters/House Sitters</a></li> <li><a href="/national/veterinarians/">Veterinarians</a></li> <li class="see-all"><a href="/national/pets">See all Pet Care</a></li> </ul> </div> </div> </div> <div class="col-xs-7 col-sm-9 col-md-10 services--expanded--level-two " id="subsection-8"> <img alt="Consumers Checkbook" class="services--checkmark" src="/assets/img/template/faded-checkmark.svg"> <div class="row"> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>Popular</h4> <ul> <li><a href="/national/30-tricks-sellers-use-to-make-you-pay-up/">30 Tricks Sellers Use to Manipulate You</a></li> <li><a href="/national/65-things-you-shouldnt-pay-for/">65 Things You (Probably) Shouldn't Pay For</a></li> <li><a href="/national/appliance-stores/">Appliance Stores</a></li> <li><a href="/national/bike-shops/">Bike Shops</a></li> <li><a href="/national/cabinet-suppliers/">Cabinet Suppliers</a></li> <li><a href="/national/carpet-stores-and-installers/">Carpet Stores & Installers</a></li> <li><a href="/national/cell-phone-services/">Cell Phone Services</a></li> <li><a href="/national/flooring-installers/">Flooring Suppliers & Installers</a></li> <li><a href="/national/furniture-stores/">Furniture Stores</a></li> <li><a href="/national/garden-centers/">Garden Centers</a></li> <li><a href="/national/supermarkets/">Grocery Stores & Delivery Services</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <h4>More Ratings & Advice</h4> <ul> <li><a href="/national/airport-parking-hack/">Airport Parking Hack</a></li> <li><a href="/national/buy-now-pay-later/">Buy Now, Pay Later Often a Debt Trap</a></li> <li><a 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for Free</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <ul> <li><a href="/national/should-you-buy-extended-warranties/">Extended Product Warranties</a></li> <li><a href="/national/framing-shops/">Framing Shops</a></li> <li><a href="/national/hardware-stores/">Hardware Stores</a></li> <li><a href="/national/hearing-aid-dispensers/">Hearing Centers</a></li> <li><a href="/national/lighting-showrooms/">Lighting Showrooms</a></li> <li><a href="/national/great-resource-for-finding-locally-grown-food/">Locally Grown Food Sources</a></li> <li><a href="/national/opticians-optometrists-buying-eyewear/">Opticians, Optometrists, & Buying Eyewear</a></li> <li><a href="/national/saving-on-over-the-counter-drugs/">Over-the-Counter Drug Prices</a></li> <li><a href="/national/pet-supplies/">Pet Food Prices</a></li> <li><a href="/national/product-recalls/">Product Recall Information</a></li> <li><a href="/national/restaurants-pay-steep-fees-to-order-and-delivery-services/">Restaurants Pay Steep Commissions and Fees to Order-and-Delivery Services</a></li> <li><a href="/national/happy-returns-and-gift-card-tips/">Returning Items to Retailers: Tips for Smooth Transactions</a></li> <li><a href="/national/sale-fail/">Sale Prices Are Rarely Real Deals</a></li> <li><a href="/national/pricematching/">These Retailers Price Match or Make Price Adjustments</a></li> </ul> </div> <div class="col-xs-12 col-sm-6 col-md-3 sub-section"> <ul> <li><a href="/national/tire-stores/">Tire Stores</a></li> <li><a href="/national/wedding-and-bridal-shops/">Wedding & Bridal Shops</a></li> <li><a href="/national/window-blind-stores/">Window Treatment Stores</a></li> <li class="see-all"><a href="/national/stores">See all Stores</a></li> </ul> </div> </div> </div> </div> </div> </div> <div class="top--section"> <div class="container"> <div class="row flex align-items-center justify-content-between header-row" id="main--navigation"> <a href="#" id="services_dropdown_toggle" class="show-mobile-xs"> <span><i class="fas fa-bars"></i><span class="sr-only">Services we rate</span></span> </a> <div class="header--logo--container"> <a href="/"><span class="sr-only">Checkbook Logo</span><img alt="Consumers Checkbook Logo" class="header--logo" src="/assets/img/logo/Checkbook.svg"></a> <h4 class="header--tagline hidden-xs hidden-sm hidden-md" style="max-width:250px;">Unbiased Reviews and Undercover Price Research on Local Services</h4> </div> <div class="header--navigation--container"> <ul class="header--navigation"> <li class="hide-mobile"><a href="/subscribe/donate">Donate</a></li> <li class="hide-mobile"><a href="#" data-toggle="modal" data-target="#loginModal">Sign In</a></li> <li class="hide-mobile"><a href="/subscribe" class="subscribe">Join</a></li> <li class="header--search--bar hide-mobile-xs"> <form id="searchForm" name="searchForm" action="/search/search"> <label for="search" class="sr-only">Services Search</label> <input class="form-control" name="q" id="search" placeholder="I'm looking for..." type="text" maxlength="60"> <button type="submit" class="search--button" href="#"><i class="fas fa-search"></i><span class="sr-only">Search</span></button> </form> </li> <li class="myAccount show-mobile"> <a href="javascript:;" data-toggle="modal" data-target="#loginModal" class="myAccountBtn"><i class="fas fa-user-circle"></i><span class="sr-only">My Account</span></a> </li> </ul> </div> </div> </div> </div> </header> <div id="content"> <div class="fundContainer"></div> <section class="container"> <style> p ul li,ul li { color: #6B6B6B; font-size: 16px; line-height: 21px; font-family: 'helveticaneuecyrlight'; } </style> <div class="about"> <div class="row"> <div class="col-xs-12"> <h1>Consumers' Checkbook Terms of Use</h1> <p class="date">Updated On: Thursday, July 13, 2023 10:41:57 AM EDT</p> <ul class="marginTop redBullets"> <li><a href="#Intro"><u>Introduction</u></a></li> <li><a href="#website"><u>The Checkbook Website</u></a></li> <li><a href="#UseOfWebsite"><u>Use of Website and Service</u></li> <li><a href="#NoCommercialUse"><u>No-Commercial Use</u></li> <li><a href="#YourRights"><u>Your Rights</u></a></li> <li><a href="#HealthcareInformation"><u>Healthcare Information</u></a></li> <li><a href="#WebsiteSecurity"><u>Checkbook Website Security</u></a></li> <li><a href="#SubscriptionTermsFeesBillingAndRenewals"><u>Checkbook Subscription Terms, Fees, Billing, & Renewals</u></a></li> <li><a href="#CopyrightIntellectualPropertyRights"><u>Copyright, Intellectual Property Rights</u></a></li> <li><a href="#CommunicatingtheWebsite"><u>Communicating on or through the Website</u></a></li> <li><a href="#Responses"><u>Responses by Firms or Service Providers to Reviews</u></a></li> <li><a href="#LinkstoOtherSites"><u>Links to Other Sites</u></a></li> <li><a href="#Disclaimers"><u>Disclaimers</u></a></li> <li><a href="#contactus"><u>How you can contact us</u></a></li> </ul> <h2 class="first" id="Intro">Introduction</h2> <p> The content at Checkbook.org and its associated web pages, applications and digital tools (collectively, “Website”), are presented by Consumers' Checkbook, a division of the Center for the Study of Services (“Checkbook”), with the intent of providing public service information on consumer products and prices, service provider quality and prices, and consumer health and health-related topics. </p> <p> This Agreement sets forth the terms and conditions for your use of the Website. By using the Website, you are agreeing to these terms and conditions. Please review them carefully, and please also review our <a href="/about/privacyPolicy">Privacy Policy</a>, which is a part of this Agreement and describes how Checkbook treats your personal information. </p> <p> When you use this Website, it is important that you are fully aware of our respective legal rights and obligations. For that reason, we have created these Terms of Use as the legally binding terms to govern your use of the Consumers' Checkbook Website, as well as your rights and obligations when you provide information for the Website, your obligations as a Checkbook subscriber, and Checkbook's policies on privacy, security, and other matters. Please read these Terms of Use carefully. </p> <p> By registering on, subscribing to, or using this Website, you warrant that you have the legal capacity to enter into the Agreement set out in these Terms of Use, that you agree to these Terms of Use, and accept the obligations of a Checkbook user. </p> <p> If you do not agree with any of these Terms of Use, please do not use this Website. </p> <p> Please note that these Terms of Use may be revised and reissued without notice at any time by updating this posting. You should visit this page regularly to review the current Terms of Use, since your continued use of the Website will be deemed as acceptance of any revisions. </p> <h2 id="website">The Checkbook Website</h2> <p>The Checkbook Website contains many products, sections, and areas that may appear under different product names and domain names. For example, the Guide to Health Plans for Federal Employees, Consumerpedia, and others are all part of Consumers' Checkbook and contained within the Checkbook.org domain regardless of their referring domain. These Terms of Use apply to all content contained within the Checkbook.org domain regardless of referring domain or URL and the term Checkbook may be used to refer to any product or information offering provided through the Checkbook.org Website.</p> <p>Each area of Checkbook may have unique considerations and expectations regarding Terms of Use. We will attempt to describe these areas below to make it easy for the user to find areas relevant to their activities on the Checkbook Website.</p> <h2 id="UseOfWebsite">Use of Website and Service </h2> <p>To access or use the Website and/or any of the products, surveys and other services provided by Consumers’ Checkbook (collectively “Service”), you must be 18 years or older and have the requisite power and authority to enter into these Terms. Children under the age of 18 are prohibited from using the Website or Service without supervision by an adult over the age of 18.</p> <p>We make no representation or warranty that the information provided on the Website (“Content”), regardless of its source, is accurate, complete, reliable, current, or error-free. We disclaim all liability for any inaccuracy, error, or incompleteness in the Content, and do not guarantee any particular result will be achieved from the Content or use of the Service. </p> <p>You may use the Website and Service for lawful purposes only and consistent with the provisions provided by these Terms of Use. You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Website. You agree to use the Website and to purchase products or services through the Website for legitimate, non-commercial purposes only.</p> <a name="NoCommercialUse"></a> <h2>No-Commercial Use</h2> <p>You agree to use the Website, tools and products and services you purchase through our Website, only in a noncommercial manner. You specifically agree not to post, transmit or otherwise distribute to or through the Website any material containing any solicitation of funds, advertising or solicitation for goods or services. We encourage you to report any apparent violation to us using the contact information provided in this Terms of Use.</p> <a name="YourRights"></a> <h2>Your Rights</h2> <p>Consumers’ Checkbook grants you a non-exclusive, non-transferable, limited right to access, use and display the Website and the services and materials provided thereon, and to download or print content displayed on our Website provided that you comply fully with these Terms of Use. The contents of the Website are only for your personal, non-commercial use. You agree not to interrupt, or attempt to interrupt, the operation of the Website or any part of them in any way.</p> <a name="HealthcareInformation"></a> <h2>Healthcare Information</h2> <p>Healthcare Information This Website may contain educational information concerning health and safety, diet and nutrition advice, exercise and fitness, and information about treatments and drugs, including alternative medicines. This information is intended for you to use in discussions with your physician or other qualified healthcare provider. Healthcare information and advice are not intended nor are they implied to be a substitute for professional advice. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition. <u>Never disregard, avoid or delay in obtaining medical advice from your doctor or other healthcare professional.</u> </p> <p> Checkbook follows a rigorous editorial process to ensure that health-related information available via our Website is accurate and describes generally accepted clinical practices. If Checkbook finds, or is alerted to an error, we will correct it as quickly as possible. If you notice what you believe to be an error contained in any health-related content, please notify us by sending an e-mail to <a href="mail:editors@checkbook.org"><span class="__cf_email__" data-cfemail="4227262b362d303102212a272129202d2d296c2d3025">[email protected]</span></a>. </p> <a name="WebsiteSecurity"></a> <h2>Checkbook Website Security</h2> <h3>Registration & Password Security</h3> <p> To access all available products and services offered by the Website, you may be required to create an account and register for a Checkbook subscription. Security checkpoints are set up as part of your subscription/registration process. In addition to providing certain personal information such as your name, email address, and other relevant contact information, you will be asked to establish a UserName and create a Password that only you know. </p> <p> You agree that any registration information you give to Checkbook is accurate, correct, and up to date, and that you will be responsible for updating such information as necessary. You must not impersonate someone else or provide account information or an email address other than your own. Your account must not be used for any illegal or unauthorized purpose. In the use of the Website and/or Service, you must not violate any laws in your jurisdiction. </p> <p> You agree to promptly update your Registration Information and payment information in your "Account Settings" page if you know of or suspect unauthorized use of the Website or other product or service, or in the event of any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your credit or debit card or other payment method information. In the event of a breach of security on your part, you will remain liable for any unauthorized use of your paid subscription or other product or service until you update your Registration Information. If your credit or debit card expires, is canceled, is lost or is subject to use without your authorization, or if your paid subscription or other Website service is subject to use without your authorization, go to your "Account Settings" page to update your Registration Information or call <a href="tel:888-596-0729">888-596-0729</a>. </p> <p> To enhance your security, our subscriber services support personnel will not be able to know your password. Should you forget your password, you will be provided with a link to create a new one to your registered email address. </p> <h3>Encryption & Credit Card Information Policy</h3> <p> The credit card number you use when subscribing to Checkbook, or a Checkbook product, is protected by encryption, so it cannot be read as it is transmitted over the Internet. The encrypted data are transmitted using Transport Layer Security (TLS) protocol, the successor to Secure Socket Layer (SSL). When attempting to determine if information is being processed through a TLS/SSL connection on a Checkbook web page, look for the Website's address to change to one that begins with "https" (check for the "s"). Checkbook uses industry leading third-party payment gateway services to process your payment, and we do not keep credit card numbers in-house. Checkbook’s vendor will maintain your credit card information pursuant to its privacy policy. Checkbook’s Website (<a href="https://www.checkbook.org/">https://www.checkbook.org/</a>) is scanned quarterly by an independent external monitoring service to verify the Payment Card Industry (PCI) requirements. </p> <h3>SSL Certification</h3> <p> Consumers' Checkbook is certified by Thawte SSL certification. The Thawte Secure Site Program allows you to verify that the information registered for a particular website is consistent with the Website you are visiting and promises a very strong level of encryption. However, while we engage in reasonable methods to protect your personal information, Checkbook cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. </p> <a name="SubscriptionTermsFeesBillingAndRenewals"></a> <h2>Checkbook Subscription Terms, Fees, Billing, & Renewals</h2> <p> Consumers' Checkbook will charge you a subscription fee to provide our subscription services. You acknowledge that Consumers' Checkbook reserves the right to modify its subscription fees and billing methods at any time. Subscription fees are paid in advance through our website billing mechanism. </p> <p> A subscription to Consumers’ Checkbook is assigned to one of 7 metropolitan areas at the time of purchase—Boston, Chicago, Delaware Valley, Puget Sound, San Francisco, Twin Cities, and Washington D.C. If you need access to the ratings and advice from another region, you’ll need to purchase an additional subscription to that region. </p> <p> A subscription to Consumers’ Checkbook is intended for the personal use of an individual and does not grant online access for multiple individuals. For libraries, associations, and other groups that are interested in institutional access for multiple individuals, please send an email to <a href="/cdn-cgi/l/email-protection#d4a7a1a4a4bba6a094b7bcb1b7bfb6bbbbbffabba6b3"><span class="__cf_email__" data-cfemail="85f6f0f5f5eaf7f1c5e6ede0e6eee7eaeaeeabeaf7e2">[email protected]</span></a>. </p> <h3>Automatic Renewal</h3> <p> Automatic renewal is required to start or renew a subscription at Checkbook.org. Consumers' Checkbook will automatically renew your subscription at the subscription rate (such rate may be modified as stated above) using the credit card number on file with Checkbook’s vendor that was last used on this account. If the renewal of your subscription fails, Checkbook will make additional attempts to try and complete the transaction. <ul> <li> Yearly Subscriptions: If you select a yearly or multi-year subscription, Checkbook will provide you with notice of an upcoming renewal charge attempt through an email sent to your registered subscription email address on file 30 days before expiration. </li> <li> Monthly Subscriptions: If you select a monthly subscription, each month Consumers' Checkbook will automatically renew your Monthly Subscription at the Monthly Subscription rate (such rate may be modified as stated herein) using the credit card information on file with Checkbook’s vendor. If the renewal of your monthly subscription fails, Checkbook will make additional attempts to try and complete the transaction. You acknowledge that Consumers' Checkbook will not provide you with any notice prior to each monthly renewal payment. Monthly subscriptions may be cancelled at any time through a link on your My Account page at <a href="https://www.checkbook.org/">https://www.checkbook.org/</a> or by calling <a href="tel:888-596-0729">888-596-0729</a>. No partial month refunds will be made. </li> <li> The user agrees to accept any charges to credit card accounts whose information you provide to Consumers' Checkbook for the purchase of products or services. Failure to provide payment following Consumers’ Checkbooks attempt to complete the transaction may result in the cancellation of your subscription. </li> <li> Cancellations: Auto-renewal can be stopped any time through a link on your My Account page at <a href="https://www.checkbook.org/">https://www.checkbook.org/</a>. If you stop auto-renewal for a year or multi-year subscription, your access to Checkbook will remain for the duration of your subscription. If you decide to cancel and not receive the time left on your subscription, Checkbook will refund the remainder of your Paid Service fees on a pro-rata basis that will cover the unused months of your Paid Service. Partial months will not be refunded. To request a refund please email <a href="/cdn-cgi/l/email-protection#2e5d5b5e5e415c5a6e4d464b4d454c41414500415c49"><span class="__cf_email__" data-cfemail="30434540405f424470535855535b525f5f5b1e5f4257">[email protected]</span></a> or call <a href="tel:888-596-0729">888-596-0729</a>. </li> <li> Payment Information: You are solely responsible for keeping your payment information current, complete, and accurate. You may update your payment information through a link on your My Account page at <a href="https://www.checkbook.org/">https://www.checkbook.org/</a> or by calling <a href="tel:888-596-0729">888-596-0729</a>. </li> </ul> </p> <h2 id="CopyrightIntellectualPropertyRights">Copyright, Intellectual Property Rights</h2> <h3>Use and Limitations</h3> <p> This Website and the information available through it are the property of Consumers' Checkbook, a division of the Center for the Study of Services, and are protected by copyright and other intellectual property laws. All materials available on the Website, including without limitation text, data, images, software and downloadable software applications, audio and video clips, databases, and ratings, (collectively, the "Content") are owned or controlled by Checkbook or the party credited as the provider of the Content. The respective owner retains all right, title, and interest in and to its Content. Consumers' Checkbook and the Center for the Study of Services reserves the right to limit, restrict, or terminate access to this Website at our discretion, without notice. </p> <p> All information presented in this Website is intended for your personal, non-commercial use. By using this Website, you agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, print, or circulate any of the information received through this Website to anyone without the express prior written consent of Consumers' Checkbook. </p> <p> This Website, and any of its data, listings, or other constituent elements may not be downloaded, republished, resold, or duplicated, in whole or in part, for commercial purposes or for purposes of compiling mailing lists or any other lists. Scraping of information from this Website by automated or manual agents is prohibited. The use of this Website to establish independent data files or compendiums of statistical information is prohibited. </p> <h3>Notice of Copyright Infringement</h3> <p> We intend that all content provided on our Website respects the copyright and other proprietary rights of third parties. When Website visitors post content on our Website, we are unable to monitor the copyright ownership of all posted content. If at any time you believe that any content on our Website infringes your copyrighted material, then you may request the content be removed from the Website in accordance with the Copyright Act, 17 U.S.C. 512(c)(3), and procedures described below </p> <p> You must send a notice that complies with the Copyright Act, 17 U.S.C. §512(c)(3) ("Notice") to the following Designated Agent </p> <p> Attn: Privacy Officer <br><br> Consumers’ Checkbook<br> 1625 K Street NW, Suite 800<br> Washington, DC 20006<br> <br> <a href="/cdn-cgi/l/email-protection#6313110a1502001a23000b060008010c0c084d0c1104"><span class="__cf_email__" data-cfemail="b2c2c0dbc4d3d1cbf2d1dad7d1d9d0ddddd99cddc0d5">[email protected]</span></a> </p> <p> Please note: the email address of our Designated Agent is intended specifically for the receipt of notices of claimed infringement under the Digital Millennium Copyright Act of 1998, 17 U.S.C. §512. It is not intended for the general inquiries and permission requests concerning the use of our content. If you wish to request permission to reproduce any of our content, please contact <a href="/cdn-cgi/l/email-protection#0e6b6a677a617c7d4e6d666b6d656c61616520617c69"><span class="__cf_email__" data-cfemail="c6a3a2afb2a9b4b586a5aea3a5ada4a9a9ade8a9b4a1">[email protected]</span></a>. </p> <p> <ul> <li> A physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; </li> <li> Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works; </li> <li> Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material; </li> <li> Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an electronic mail address at which you may be contacted; </li> <li> A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and </li> <li> A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. </li> </ul> </p> <p> When we receive a Notice that complies with the Copyright Act, we will remove the identified material promptly. 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