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Terms of Use

Agreement between user and BlackCounselorOnline.com
The BlackCounselorOnline.com website is comprised of various web pages operated by FHG, LLC (doing business as "BLACK COUNSELOR").  The BlackCounselorOnline.com website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the BlackCounselorOnline.com website constitutes your agreement to all such terms, conditions, and notices.

BlackCounselorOnline.com is not a law firm, and the employees of BlackCounselorOnline.com are not acting as your attorney.
BlackCounselorOnline.com does not practice law and does not give legal advice.  This site is not intended to create an attorney-client relationship, and by using BlackCounselorOnline.com, no attorney-client relationship will be created with BlackCounselorOnline.com. Instead, you are representing yourself in any legal matter you undertake through BlackCounselorOnline.com's legal document service.  The BlackCounselorOnline.com web site is not a substitute for the advice of an attorney.

Furthermore, the legal information on this site is not legal advice and is not guaranteed to be correct, complete or up-to-date. Because the law changes rapidly, BLACK COUNSELOR cannot guarantee that all the information on the site is completely current. The law is different from jurisdiction to jurisdiction, and is also subject to interpretation by different courts. The law is a personal matter, and no general information or legal tool like the kind BLACK COUNSELOR provides can fit every circumstance. Therefore, if you need legal advice for your specific problem, or if your specific problem is too complex to be addressed by our tools, you should consult a licensed attorney in your area.

This site and some of the articles on this site contain links to other resources and businesses on the Internet. Those links are provided as citations and aids to help you identify and locate other Internet resources that may be of interest, and are not intended to state or imply that BLACK COUNSELOR sponsors, is affiliated or associated with, or is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links. BLACK COUNSELOR does not endorse any of the viewpoints contained in any seminar, case or material expressed in or accompanying an online seminar. Such viewpoints are solely those of the relevant content providers.

 

BLACK COUNSELOR takes no responsibility for the timeliness of the information of presented in the seminars, on the site, or in our database. The primary source materials included in our database are included only for the reference of the user.  BLACK COUNSELOR does not warrant that any online seminar or information is up-to-date or that any case or material reference in a seminar or included in our datatbase is the law at the current moment. BLACK COUNSELOR is not responsible for any loss, injury, claim, liability, or damage related to your use of this site or any site linked to this site, whether from errors or omissions in the content of our site or any other linked sites, from the site being down or from any other use of the site. In short, your use of the site is at your own risk.

 

BLACKCOUNSELOR™ IS NOT A “LAWYER REFERRAL SERVICE.”
BLACK COUNSELOR PROVIDES A PLATFORM FOR LEGAL INFORMATION, SELF HELP AND COLLABORATION. THE DIRECTORY OF LAWYERS PUBLISHED AT BLACKCOUNSELORONLINE.COM IS FOR INFORMATION PURPOSES ONLY, IS FREE FOR USE BY BOTH LAWYERS AND NON-LAWYERS AND DOES NOT CONSTITUTE AN ENDORSEMENT OR APPROVAL OF ANY LISTED LAWYER. THERE IS NO FEE SHARING ARRANGEMENT BETWEEN BLACK COUNSELOR AND ANY LISTED LAWYER FOR ANY LEGAL MATTER. BEFORE RETAINING A LAWYER, EVERYONE SHOULD CAREFULLY CONSIDER THE LAWYER’S KNOWLEDGE AND EXPERIENCE AND ASK FOR A WRITTEN LEGAL SERVICES AGREEMENT DETAILING THE TERMS AND CONDITIONS OF THE REPRESENTATION, INCLUDING ALL FEES, EXPENSES AND OTHER OBLIGATIONS. NO LEGAL REPRESENTATION RELATIONSHIP EXISTS IN ANY WAY BETWEEN ANY BLACKCOUNSELORONLINE USER AND BLACK COUNSELOR OR ITS PARENT, SUBSIDIARIES OR AFFILIATES.

 

Free Trials and Refund Policy
Free trials of certain BLACK COUNSELOR products and services may be offered from time to time.  The terms and conditions of such free trials shall be contained in the offer.  No refund of any amount paid shall be granted under any of the following circumstances:  1) the accurate conversion of a free trial to a paid service; 2) the accurate collection of any fee for any active membership or other subscription service; or 3) the accurate collection of fees or other payment for any other product or service.

 

Modification of these terms of use
BLACK COUNSELOR reserves the right to change the terms, conditions, and notices under which the BlackCounselorOnline.com website is offered, including but not limited to the charges associated with the use of the BlackCounselorOnline.com website.

 

Security Policy

As a part of the merchant banking system, information security and privacy is critical to our business. Data transport security is encrypted and secured both using Secure Sockets Layer (SSL). Black Counselor collects all information and stores that information in electronic form in physically secured data center facilities that are monitored 24/7/365 and that comply with the Payment Card Industry Data Security Standard (PCI DSS). These data centers are on separate portions of the power grid and have different communications connectivity. Each data center meets all of the physical security requirements and hardware and operating system configuration requirements. Black Counselor recommends that  all customers, vendors and partners follow published and recommended best practices on information security and data protection


User Privacy BLACK COUNSELOR respects the privacy of its users. Therefore, we will not monitor, edit, or disclose the contents of any e-mail or other communication with BLACK COUNSELOR unless required in the course of normal maintenance of BLACK COUNSELOR and its systems or unless required to do so by law or in the good faith belief that such action is necessary to (a) comply with the law or comply with legal process served on BLACK COUNSELOR or (b) protect or defend the rights or property of BLACK COUNSELOR. Users shall remain solely responsible for the content of their messages, regardless of what the content is. All personal information collected through BlackCounselorOnline is provided on a voluntary basis by BlackCounselorOnline.com users and visitors through a visible means of data entry or by collecting information using a registration form.

Upon request, BLACK COUNSELOR will (a) remove you and your personal information from our database; (b) correct personal information that you state is erroneous; or (c) permit you to "opt out" of further e-mail contact (excepting notification of major changes to the service) while still allowing you to access BlackCounselorOnline.com. BLACK COUNSELOR logs IP addresses for systems administration and troubleshooting purposes. Your IP address indicates the location of your computer on the Internet. BLACK COUNSELOR may also gather anonymous information that may be used by FGH or shared with third parties. This information does not personally identify you, but may be helpful in improving the services offered. Generally this information is collected through "traffic data" and may entail the use of "cookies," "IP addresses," or other numeric codes used to identify a computer.


COOKIES  "Cookies" give users a special, random ID that are small text files, which are stored on the hard drive of a user's computer. The use of cookies is an industry standard.BLACK COUNSELOR employs cookies to recognize you and your access privileges for certain locations on the BlackCounselorOnline site as well as to track site usage. You can set your browser to refuse all cookies or to indicate when a cookie is being sent. Members or visitors who do not accept cookies from BlackCounselorOnline.com cannot access some areas of BlackCounselorOnlince.com. BLACK COUNSELOR may, in its sole discretion, perform statistical analysis of the collective characteristics and behavior of users to measure interests in the various areas of BlackCounselorOnline.com (for product development and other business development purposes). Users should be aware that when they are on BlackCounselorOnline.com, they could be directed to other sites that are beyond the control of BLACK COUNSELOR. There may be links to other sites from BlackCounselorOnline.com pages that take you outside our services. These may include links from sponsors and partners that may use the Site as part of a co-branding agreement with BlackCounselorOnline.com. These other sites may send their own cookies to users, collect and track data, or solicit personal information.  BLACK COUNSELOR does not endorse the content found on such third-party sites. You assume sole responsibility for your use of third-party links and pointers.


If you participate in any discussions on BlackCounselorOnline.com, you agree not to use any language that is threatening, abusive, vulgar, discourteous or criminal. You also agree not to post or transmit information or materials that would violate the rights of a third party or which would contain a virus or other harmful component. Please keep in mind that whenever you give out information online – including, for example, posting a message to a discussion group – that information can be collected and used by people you do not know. BLACK COUNSELOR cannot guarantee the security of any information you disclose online, and you do so at your own risk. BLACK COUNSELOR cannot control the acts of its members or visitors who use the interactive features of BlackCounselorOnline.com. You provide personal information, such as name, e-mail address, mailing address, and phone number during such use at your own risk, as they may be used by other parties outside of BlackCounselorOnline.com for unsolicited e-mail or other contact.


Consent to Disclosure. You acknowledge and agree that BLACK COUNSELOR may disclose Your Information (as defined in Section 4) if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to:(a) comply with a current judicial proceeding, a court order or legal process served on us or our website, (b) enforce this Agreement, (c) respond to claims that Your Information violates the rights of third parties; (d) protect the rights, property or personal safety of BLACK COUNSELOR,  its employees, users and the public; or (e) enable the transfer or sale to another entity of all or substantially all of our stock or assets in the line of business to which this Agreement relates, or upon any other corporate reorganization, subject to the promises made in this Agreement. We also may disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or that we believe may expose us or you to legal liability.


Your Information

Definition. "Your Information" is defined as any information post or other material you provide (directly or indirectly), including through the registration process to use BlackCounselorOnline.com, in any public message board or through email. You are solely responsible for Your Information, and we act as a passive conduit for your online distribution and publication of your Public Information (as defined below).

Restrictions. In consideration of your use of BlackCouselorOnline, you agree that Your Information:

  • (a) shall not be fraudulent;
  • (b) shall not infringe any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
  • (c) shall not violate any law, statute, ordinance or regulation;
  • (d) shall not be defamatory, trade libelous, unlawfully threatening or unlawfully harassing;
  • (e) shall not be obscene or contain, pornography, child pornography, or photographs of unclothed person(s);
  • (f) shall not contain any viruses, Trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may      damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
  • (g) shall not create liability for us or cause us to lose (in whole or in part) the services of our ISPs or other suppliers;
  • (h) shall not link directly or indirectly to any materials to which you do not have a right to link to or include.

In addition, you agree that you will provide us with your valid, current email address, both at the time of your registration with us and from time to time as your email address changes.


Your account with BLACK COUNSELOR is password-protected so that only you can access it. BLACK COUNSELOR strongly recommends that you do not provide your password information to anyone.


Unless otherwise noted, all materials, including images, illustrations, designs, icons, photographs, video clips, and written and other materials that are part of this Web site, are copyrights, trademarks, trade dress and/or other intellectual properties owned, controlled or licensed by BLACK COUNSELOR.
By publishing, uploading or submitting any materials to us, including messages posted in our discussion groups or chat rooms, you automatically grant (or warrant that the owner of such rights has expressly granted) BLACK COUNSELOR a perpetual, royalty-free, irrevocable, nonexclusive right and license (with the right to grant sublicenses) to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute such materials, incorporate such material and otherwise exploit all content or information you publish on the Site into any form, medium or technology, now known or later developed. You further agree that all such communications you make to the Web site shall not be deemed confidential. By your acceptance of these terms and conditions you agree to waive all recourse against BLACK COUNSELOR for any alleged or actual infringement or misappropriation of any proprietary or confidential publications or communications to BLACK COUNSELOR.

 

Links to third party sites / Third party services
The BlackCounselorOnline.com website may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of BLACK COUNSELOR and BLACK COUNSELOR is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. BLACK COUNSELOR is not responsible for webcasting or any other form of transmission received from any Linked Site. BLACK COUNSELOR is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by BLACK COUNSELOR of the site or any association with its operators. Certain services made available via BlackCounselorOnline.com are delivered by third party sites and organizations.  By using any product, service or functionality originating from the BlackCounselorOnline.com domain, you hereby acknowledge and consent that BLACK COUNSELOR may share such information and data with any third party with whom BLACK COUNSELOR has a contractual relationship to provide the requested product, service or functionality on behalf of BlackCounselorOnline.com users and customers.

 

No unlawful or prohibited use

As a condition of your use of the BlackCounselorOnline.com website, you warrant to BLACK COUNSELOR that you will not use the BlackCounselorOnline.com website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the BlackCounselorOnline.com website in any manner which could damage, disable, overburden, or impair the BlackCounselorOnline.com website or interfere with any other party's use and enjoyment of the BlackCounselorOnline.com website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the BlackCounselorOnline.com websites.


THE LEGAL FORMS, LEGAL DOCUMENTS, LETTERS, ARTICLES, EXCEPT FOR THOSE NOT AUTHORED BY BLACKCOUNSELOR AND ALL OTHER CONTENT FOUND ON THE BLACKCOUNSELORONLINE.COM WEBSITE (“BLACKCOUNSELOR CONTENT”) ARE PROTECTED BY COPYWRIGHT AND ALL OTHER APPLICABLE INTELLECTUAL PROPERTY RIGHTS.  BLACKCOUNSELOR CONTENT IS NOT FOR RESALE.  YOUR USE OF THE BLACKCOUNSELORONLINE.COM WEBSITE DOES NOT ENTITLE YOU TO RESELL ANY BLACKCOUNSELORONLINE.COM CONTENT.  FOR THE AVOIDANCE OF DOUBT, YOUR USE OF THE BLACKCOUNSELORONLINE.COM WEBSITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS AND YOUR PROMISE THAT YOU WILL NOT RESELL OR OTHERWISE ATTEMPT TO COMMERCIALLY BENEFIT FROM THE BLACKCOUNSELOR CONENT WITHOUT THE EXPRESS WRITTEN CONSENT OF BLACKCOUNSELOR INCORPORATED.

 

Return and Refund Policy
We will accept a return of the products, provided such return is made  within 30 days of shipment to you and provided such products are returned in their original condition. On shipment of the products we
will provide a return authorization form that must accompany your return of the products to us.  We will refund the payment within 17 days from the date of the receipt of the return.

 

Shipping and Handling Costs:
All shipping costs will be covered by the user/consumer unless expressly stated otherwise. The costs are different for each state and different based on the type of shipping services selected by the consumer but all taxes will also be applied.

 

Change of Terms

BLACK COUNSELOR will occasionally update this Statement of Terms and Conditions and Privacy to reflect company and customer feedback. BLACK COUNSELOR encourages you to periodically review this Statement to be informed of how BLACK COUNSELOR is protecting your information.  


Click On Agreement

BY CLICKING THE "I AGREE" BUTTON OR BY ACCESSING, VISITING, BROWSING, USING OR ATTEMPTING TO INTERACT WITH ANY PART OF THIS WEBSITE, OR OTHER [WEBSITE OWNER] SOFTWARE, SERVICES, WEBSITES OR ANY OF [WEBSITE OWNER]'S LICENSEES SERVICES OR SOFTWARE (COLLECTIVELY "SERVICES"), YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, DO NOT ACCESS OR USE ANY PART OF THIS WEB SITE.

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