“You” (the licensed attorney accepting this Agreement in his/her individual capacity, also referenced in the possessive as “Your”) agree to access and use the CINcompass® Software-as-a-Service application and its related materials, documentation, and services, also referenced herein as the “CINcompass Application” and “the Services” on the terms of this License Agreement between You and Credit Infonet Inc. dba The CINgroup (“CIN”) (the “Agreement”). In order to access and use the Services, You must indicate Your agreement with the following terms and conditions by clicking “I ACCEPT”. If You do not agree to these terms and conditions, do not click “I ACCEPT” and You will not be permitted to access or use the Services.


“CIN Account” shall mean the secure account configured by CIN to enable You to access the Service and to purchase and retrieve Products.

“Client” shall mean any member of the general public who contacts You or Your practice for legal representation.

“Customer Data” means any information, data, files, or documents containing information about Your business or its clients that You or a User enter into or include in any CINcompass® database. Customer Data includes, but is not limited to, all Contacts Information, Matter data, notes, events, tasks, templates, billing and accounting data, custom forms, calendar entries, court notices, bankruptcy petitions and all other data You or a User create in or cause to be uploaded to the Services. CIN reserves the right to limit the amount of Customer Data stored within its hosting environment.

“Customer Information” means CINcompass® information which CIN collects about You, Your practice, and Your use of the CINcompass Website and the Services.

“Due Diligence Products” or “DDP” or “Products” shall mean the consumer-related asset, income, compliance, credit counseling and income tax information bankruptcy products offered by CIN, including but not limited to the Auto Loan Review product, the real property automated appraisals and broker price opinions, the real property ownership reports and lien search reports, the vehicle information and valuation products, the federal income tax transcripts, the tax transcript summary reports, and the access offered by CIN to EOUST-approved credit counseling and debtor education courses. DDP does not include any Consumer Credit Products, or those products that contain credit data and other information on consumers provided by one or more consumer reporting agencies.

“Effective Date” shall mean the date on which You select the “I AGREE” statement at the end of this License Agreement.

“Trial License” shall mean Your limited, personal, non-exclusive, nontransferable and non-assignable right to use the Services as set forth in this Agreement during the Trial Period.

“Trial Period” shall mean the fourteen (14) days starting on the Effective Date during which You will have a Trial License to use the Services.

“User” means an individual authorized by You to use Your Account to access the Services and who has been provided with a unique user identification and password by You (or by CIN at Your request).


1.1 No Modification. Use of the Services is offered to You only upon Your acceptance, without modification, of the terms, conditions, provisions, and notices contained in this Agreement. Any breach of this Agreement by any employee, officer or other User shall constitute a breach by You.

1.2 No Assignment. The rights granted under this Agreement are not assignable without the express written consent of CIN in its sole discretion. Any attempted assignment without the prior written consent of CIN is null and void and will result in automatic and immediate termination of the rights granted under this Agreement.

1.3 No Agency. CIN is not Your agent or representative and You are not an agent or representative of CIN. You agree that no joint venture, partnership, employment, or direct credit report sales agreement exists or is created between You and CIN as a result of this Agreement.

1.4 Non-Competition. You may not access the Services if You are, or become during the Trial Period, a direct competitor to CIN, except with CIN’s prior written consent. In addition, You may not access the Services for purposes of monitoring their availability, performance or functionality, or for any other benchmarking or competitive purposes.

1.5 Marketing Restriction. You shall not, directly or indirectly, use or reference CIN or the Services on any of Your stationary, marketing materials, or Internet websites without the expressed written consent of CIN.

1.6 Terms and Conditions. Whenever You or Users access the Services, You agree to be bound by the Terms and Conditions and/or Legal Notices which are posted at the web site (“Site”) through which You or Users are accessing the Services and incorporated herein in their entirety by reference. The Terms and Conditions and Legal Notices are subject to change from time to time without notice. You are responsible for regularly reviewing the Site to obtain timely notice of any such changes, and shall be deemed to have accepted any such changes by continuing to use the Services for more than five (5) days after such changes have been posted.

1.7 Your CIN Account. You hereby authorize CIN to create an account in Your name that will allow You to access the Services and to order and retrieve Due Diligence Products via the Services during the Trial Period. CIN shall create secure log in credentials for Your use and communicate the same to You via email or telephone contact information You provided during registration.

1.8 Fees and Billing. CIN will invoice You for every Due Diligence Product ordered via the Service during the Trial Period. You acknowledge that You are obligated to pay in full upon receipt all CIN invoices, and that this duty to pay survives the Trial Period.

1.9 Accounts. You hereby authorize CIN to take the following actions whenever You order a Bankruptcy Due Diligence Product: (a) establish a free account (“MHT Account”) for the Consumer(s) on the order which allows the Consumer(s) to access the Products You have ordered on Consumer’s behalf via the Internet; (b) contact the Consumer(s) via email at the email address You have provided in the order to provide the Consumer(s) with log in instructions for the MHT Account; (c) contact the Consumer(s) via email at the email address You have provided in the order to inform and remind Consumer(s) about CIN Products You have ordered for them; and (d) market post-filing bankruptcy-related products and services to Consumer(s) via the MHT Account, including but not limited to consumer credit monitoring, debtor education courses, and consumer credit reports.


2.1 You represent and warrant to CIN as follows: (a) You will employ the CINcompass® Application and related Services and Products, solely for Your own use in the ordinary course and conduct of Your business; (b)You have the authority to execute and deliver this Agreement, and to perform the obligations under this Agreement; (c)The execution, delivery and performance of this Agreement will not violate any other agreement to which You are a party; (d)You will not use any information from the CINcompass® Application and related Services and Products for any purpose not expressly permitted in this Agreement or otherwise authorized in writing by CIN; and (e) All information that You provide to CIN will be true and complete and may be relied on and used by CIN for the provision of the Services provided in connection with this Agreement.

2.2 CIN represents and warrants to You as follows: (a) That CIN is a corporation validly organized and in good standing under the laws of the State of Iowa and has the authority to execute and deliver this Agreement, and to perform its obligations under this Agreement; and (b) That the execution, delivery and performance of this Agreement by CIN will not violate any other agreement to which CIN is a party.

2.3 You acknowledge the risk that information transmitted electronically between You and CIN through the Services may be intercepted by third parties. You agree to accept that risk and will not hold CIN liable for any loss, damage or injury resulting from the interception of information.


3.1 Rights Reserved. The Services are licensed, not sold, and CIN reserves all rights to the Services not expressly granted by CIN under this Agreement, whether by implication, estoppel, or otherwise.

3.2 Trial License. Subject to Your compliance with the terms of this Agreement, CIN grants to You a limited, personal, non-exclusive, nontransferable and non-assignable right to use the Services as set forth in this Agreement for the Trial Period. During the Trial Period, You will not be charged the Set-Up Fee or Monthly Fee normally assessed for the use of the Services. However, CIN will invoice You for any Consumer Credit Products and/or Due Diligence Products You may order via the Services during the Trial Period.

3.3 You may only use the Services as described in this Agreement. In addition, You agree that You will not use the Services in any manner that could damage, disable, overburden, or impair such Services, or interfere with any other party’s use and enjoyment of the Services.

3.4 You shall treat all login credentials for the Services that are assigned or provided to You as confidential and shall not disclose the same, either directly or indirectly, to any person not authorized to use the Services under this Agreement.

3.5 Internet Access. Use of the Services requires Internet access. You acknowledge that You are responsible for paying the fees charged by Your Internet access provider, and that these fees are in addition to any fees You may pay CIN for use of the Services. In addition, You agree that You are solely responsible for paying any costs You incur in order to access the Services through a wireless device, and acknowledge that wireless carriers may charge fees for alerts, web browsing, messaging and other services that require the use of airtime and wireless data services.

3.6 Minimum System Requirements. In order to fully utilize the functionality of the Services, You acknowledge that You must be using a minimum of the following system requirements and that failure to do so can result in reduced or entirely unavailable functionality: (a) Desktop (PC) Hardware: Memory: 4 GB or greater; CPU: Any Intel i3 or i5 or i7 Processor or equivalent AMD processor; Display Resolution (Monitor): 1680x1050 or higher resolution; (b) Operating System: Windows 7 with Service Pack 1 or higher. You must install all of the latest service packs and hot fixes for the operating system used; (c) Silverlight v5.0; (d) Browser: IE 9.x or newer; and (e) Internet Connectivity: Download speed of 3 to 6Mbps or higher and upload speed of 764Kpbs to 1.5 Mbps or higher. You can test Your Internet connectivity by going to

3.7 Availability of Services and Products. You acknowledge that routine system updates and other outages, planned and unplanned (“Interruptions”), will occur from time to time and will temporarily prevent You from accessing the Services and Products. You agree to hold CIN harmless for all such Interruptions. In addition, You acknowledge that CIN may from time to time change, delete, or add to the Services and/or Products, with or without any advance notice to You; and may suspend Your access to any part of, or all of, the Services, Products, and any related products or service(s) offered via the Services, in order to enforce information privacy and security policies and guidelines.

3.8 ECF Availability. You acknowledge that CIN cannot control the availability of any court’s ECF site, and hereby agree to hold CIN harmless for any ECF outages and service interruptions that may impact Your ability to file documents via CINcompass. You agree to hold CIN harmless for all such ECF outages and interruptions.

3.9 Data Integrity. CIN shall not (a) modify Customer Data; (b) disclose Customer Data to unaffiliated third-party entities, except as compelled by law, or as expressly permitted in writing by You; or (c) access Customer Data except (i) to provide the Services, (ii) to provide customer support to You, or (iii) to prevent or address service or technical problems. CIN is not responsible for the accuracy, completeness or integrity of any original Customer Data entered into the Services by You or Users.

3.10 Duty to Review. You acknowledge and agree that You and/or a designated User has a duty to review the Customer Data, as well as the content of all forms, documents, attachments and other work product generated through or in the Services for mistakes, errors, and omissions before filing the same with any court.

3.11 End of Trial Period. You understand, acknowledge, and agree that at the end of the Trial Period, You will not have the ability to electronically export the Customer Data You have entered in to the Services during the Trial Period to any third-party software program or CRM program. For clarification, Customer Data includes, but is not limited to; the petition, schedules, and other documents composing bankruptcy cases that have been generated and filed via the Services; client correspondence; court notices; and calendars, events, tasks, and appointments stored within the Service’s CRM. Notwithstanding, if You order any Products through the Services during the Trial Period, You will still be able to access these Products after the Trial Period ends by logging in to Your CIN Account at

3.12 Subscription. If You would like to have access to the Services after the end of the Trial Period, You can choose to subscribe to the Services at any time by calling CIN at 866-218-1003. However, to ensure that any Customer Data entered in to the Services during the Trial Period is preserved, CIN recommends completing the subscription process within thirty (30) days of the end of the Trial Period.



4.2 CIN does not warrant, guarantee, or make any representations regarding the use or the results of the Services in terms of correctness, accuracy, reliability, or otherwise. The entire risk as to the results and performance of the Services is assumed by You.

4.3 CIN DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES ARE ERROR-FREE; OR THAT ACCESS TO THE SERVICES SHALL BE UNINTERUPTED. You assume full and sole responsibility for the selection of the Services to achieve Your intended purposes; for the proper use of the Services; and for verifying the results and output obtained from the use of the Services.

4.4 You acknowledge that CIN is not engaged in rendering legal or other professional advice, and the Services are not a substitute for the advice of an attorney or professional judgment. CIN advises that all output from the Services should be prepared or reviewed by an attorney knowledgeable in the requirements of applicable law.

4.5 You agree to defend and indemnify CIN and its Affiliates, directors, officers, agents, employees, consultants from any claims, actions, proceedings, costs, liabilities, judgments, obligations, penalties, losses, costs, expenses or other damages (including reasonable attorneys’ fees and expenses) sustained by CIN and its Affiliates or consultants by reason of any third party claims related to Your use of the CINcompass® Application and Services. CIN will promptly provide notice to You of any indemnifiable event or loss. You will undertake, at Your own cost, the defense with counsel reasonably acceptable to CIN. CIN reserves the right to participate in the defense of the claim, suit or proceeding, at its expense, with counsel of its choosing.

4.6 CIN agrees to defend and indemnify You and Your Affiliates, directors, officers, agents, employees and consultants against any claims, actions, proceedings, liabilities, judgments, obligations, penalties, losses, costs, expenses or other damages (including reasonable attorneys’ fees and expenses) sustained by You and Your Affiliates or consultants by reason of any third party claim that the CINcompass® Website or any CIN content thereon or CINcompass software (except for third party content or software) infringes a U.S. patent, copyright or trade secret. You agree to promptly provide notice to CIN of any indemnifiable event or loss and will cooperate with CIN in defending the event or loss. CIN will undertake, at its own cost, the defense of the claim, suit or proceeding. You may participate in the defense of the claim, suit or proceeding, at Your expense, with counsel of Your choosing.

4.7 CIN may provide integrations with third party products and services that You may use at Your sole option and risk. Access to and use of any third party products and services is subject to the separate terms and conditions required by the providers of such third party products and services. You understand and agree that CIN has no liability arising from or based on (i) Your use of or inability to use any integrations made available by CIN, or (ii) any associated third party products and services. The integrations with third party products and services are made available to You without any warranty of any kind. The integrations may be modified or discontinued at any time without advance notice to You. CIN has no responsibility whatsoever for the performance or non-performance of any third party products and services integrated with the CINcompass® Application.




6.1 Credit Infonet, The CINgroup, CINcompass, CIN Legal Data Services, CIN, myHorizon, Suite Solutions, EZ-Filing and the accompanying logos, slogans and domain names, are all either common-law or registered service marks or trademarks of Credit Infonet, Inc., all rights reserved. In addition, the Services and all contents and functionality of the Services are Copyright © 2013 Credit Infonet, Inc., all rights reserved.

6.2 You grant to CIN a non-exclusive, royalty-free right during the Term, to use Your Customer Data and Customer Information for the sole purpose of performing CIN’s obligations under this Agreement in accordance with the terms herein. In addition, You grant to CIN a royalty-free, worldwide, irrevocable, perpetual license to use and incorporate into the Services any suggestions, enhancement requests, improvements, recommendations or other feedback provided by You or Users, relating to the content and/or operation of the Services, including, without limitation, all patent, copyright, trade secret, mask work, trademark, moral right or other intellectual property rights.

6.3 Subject to the limited rights granted by You hereunder, CIN acquires no right, title or interest in or to Customer Data and Customer Information, including any intellectual property rights therein. In addition, CIN shall not release or disclose to any third party any Customer Data or Customer Information that can be identified as originating from You, nor will CIN identify, either directly or indirectly, any client or other party identified in Your Customer Data and Customer Information, nor will such data be utilized in any study, report or publication without first being combined with a significant body of other data such that You cannot be identified.

6.4 “Confidential Information” means (i) all components and design elements of the CINcompass® Application and Services, including without limitation, all non-public information and all User IDs and passwords issued to You; (ii) CIN’s Intellectual Property; (iii) all other proprietary documentation and information relating to or exchanged through the CINcompass Application or Services; (iv) the terms of this Agreement and these Terms; (v) all CIN training materials, pricing addendums, product addendums and invoices; (vi) all customer specific information, including information regarding Your clients, customers or vendors; and (vii) any other information or material disclosed or made available by either CIN or You relating to such party and its business, that is identified as confidential at the time it is disclosed or that should reasonably be understood to be confidential.

6.5 You shall not disclose the Confidential Information to any third party, including any vendor, subsidiary, affiliate, or client; and You shall use its best efforts to protect Confidential Information in accordance with the same degree of care with which You protect Your own Confidential Information of like importance. In addition, You agree not to (a) permit any third party to access the Confidential Information except as permitted herein; (b) create derivative works based on the Confidential Information; (c) copy, frame or mirror any part or content of the Confidential Information, other than copying or framing on Your own intranets or otherwise for Your own internal business purposes; (d) modify, reuse, disassemble, decompile, reverse engineer or otherwise translate the Confidential Information or any portion thereof; (e) access the Confidential Information in order to (i) build a competitive product or service, or (ii) copy any features, functions or graphics of the Confidential Information; or (f) remove any copyright, trademark, proprietary rights, ownership, disclaimer or warning notice included on or embedded in any part of the Services or any other materials provided by CIN to You.


7.1 Privacy Policy. CIN is committed to protecting the privacy of nonpublic personal information (“NPI”). Attorneys and Users should read the entire text of CIN’s Privacy Policy posted at the web site or interface through which they are accessing the Products. The Privacy Policy is subject to change from time to time without notice and the terms of the most recent policy version posted online shall be controlling. All CIN employees and contractors have signed confidentiality and nondisclosure agreements with regard to any NPI received, processed, and/or stored by CIN. CIN does collect anonymous information, or information that does not directly identify and cannot reasonably be used to identify any individual Attorney or User, regarding Attorneys’ and Users’ use of the Products and aggregates the data for certain groups of its customers in order to conduct research and to develop products and services.

7.2 Data Security. CIN maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard the privacy of data stored within its network, including but not limited to, confidential nonpublic personal information (“NPI”) concerning You, Users and Clients. These safeguards include: 128 bit SSL Encryption; secure You Names & Passwords to authenticate Your accessing the system; protection of network and systems by a TrueSecure Certified Firewall; tracking of Your IP addresses to diagnose problems and potential system abuse; and data redundancy across multiple data center locations. In addition, CIN does not authorize the scanning of its network systems or attempted penetration testing of any degree without the written consent of management.


8.1 DDP Authorizations. Attorney will obtain any required signatures and/or authorizations from the Consumers prior to ordering Due Diligence Products (“DDP”) from CIN and will promptly fax or email any required authorizations, forms and/or documentation to CIN. Failure to provide required authorizations, forms, and/or documentation to CIN in a timely manner may lead to termination of this Agreement.

8.2 DDP Completion. CIN will complete most DDP orders in less than one (1) minute after receiving and processing the required authorizations, forms and/or documentation. CIN will return real property valuations and vesting information for Consumers in outlying areas of the country within twenty-four (24) to thirty-six (36) hours of placing the product order. CIN will return income tax transcript data within forty-eight (48) hours of the receipt of a signed 4506-T form from the Consumer. Federal holidays and other IRS closings will delay tax transcript processing.

8.3 DDP Delivery. CIN will deliver ordered DDP to the Attorney online via its web-based applications at and/or; and to the Consumers to whom the products pertain via Qualifying Attorneys may also receive the ordered products within certain partner bankruptcy form preparation software programs via system-to-system interfaces.

8.4 Access to DDP. Attorney and Consumer shall have one hundred and twenty (120) days after the ordering of a Credit Monitoring Product, Credit Counseling Course Product, or Debtor Education Course Product to access and use said product. Upon the expiration of this time period, or the Termination of this Agreement, whichever occurs first, neither Attorney nor Consumer shall be able to access or utilize said product (“Expired DDP”). CIN will not reissue or give any refund for an Expired DDP.

8.5 Archiving DDP. CIN archives DDP for three (3) years. After this time period, the data is securely destroyed and cannot be accessed by Attorney or CIN.

8.6 N.A.D.A. Auto Valuations. By selecting the NADA valuations (hereinafter, the NADASC Licensed Program) option, Attorney agrees to abide by this Addendum as well as any click-through license that may appear upon installation of the program,. Attorney acknowledges that CIN is a Value Added Remarketer (VAR) for NADASC and does not warrant or represent itself as the originator of the vehicle valuation information. NADASC warrants that the Valuations Information provided in the Licensed Program is as current and complete as may be achieved using the source data and editorial methods normally employed by the N.A.D.A. Official Used Car Guide® Company in the ordinary course of its business. Attorney agrees to indemnify and hold CIN harmless from and against any losses, damages, liabilities and expenses resulting from any claim made in connection with the performance of the NADASC Licensed Program. CIN will provide access to monthly valuation updates (Update) by the first business day of the month. Attorney acknowledges that the pricing (Option Fee) provided in the Order Form is subject to change on an annual basis in accordance with any changes made by NADASC. Attorney and CIN acknowledge that the NADASC Licensed Program option term shall be one (1) year. Thereafter, this option will renew under the same terms and conditions set forth in the Addendum, except that the Option Fee shall be the fee in effect at the time of the renewal. Renewal terms shall be for one year each effective on the anniversary of the date of the Addendum. With respect to the NADASC Licensed Program, Attorney agrees as follows: (a) Attorney acknowledges that the license to use the NADASC Licensed Program granted hereunder shall not permit Attorney to market, sublicense or utilize the NADASC Program separate from or independent of the Software; (b) Attorney agrees to not disassemble, decompile, reverse engineer or otherwise modify or alter the NADASC Licensed Program; (c) Attorney agrees that NADASC Licensed Program shall not be used as a data source from which a new valuation database or valuation system may be created, and that vehicles will be valued individually as needed in the Software; (d) Except as otherwise provided in the terms of the license agreement, Attorney agrees not to reproduce, store in a retrieval system or transmit, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, any vehicle valuation information contained in the N.A.D.A. Official Used Car Guide®(hereinafter, the NADASC Values) without the prior written consent of NADASC; and (e) Attorney acknowledges and agrees that the NADASC Licensed Program, the NADASC Values, all enhancements and derivative works, are the sole property of NADA Services Corporation, and are subject to a valid copyright. Attorney acknowledges that NADASC has created the NADASC Values and the NADASC Licensed Program at great time and expense and that the NADASC Values and the NADASC Licensed Program contain confidential and proprietary information protected by copyright and trade secret laws. Attorney further acknowledges that certain of its employees will become familiar with the NADASC Licensed Program, and that NADASC may suffer great harm if Attorney or its employees disclose the NADASC Licensed Program to a third party. Attorney, therefore, agrees to: (i) hold the NADASC Licensed Program in strict confidence: (ii) disclose the NADASC Licensed Program only to Attorney’s employees to whom knowledge is required for its proper use hereunder: (iii) cause such employees to hold the NADASC Licensed Program in strict confidence: and (iv) take steps to prevent the accidental or otherwise unauthorized disclosure of the NADASC Licensed Program.


9.1 The performance and construction of this Agreement shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to any conflict of laws provision. The courts resident in Montgomery County, Ohio, shall have exclusive jurisdiction over any disputes in regard to this Agreement.

9.2 The Attorney agrees to forebear from filing a claim in any other jurisdiction or venue and hereby waives any defense of personal jurisdiction, including the doctrine of forum non-conveniens, to any action brought by CIN to enforce this Agreement in the State of Ohio, Montgomery County.

9.3 Use of the Service is unauthorized in any jurisdiction that does not give effect to all provisions of this Agreement.


10.1 The failure of any party to insist on strict performance of any covenant or obligation in accordance with this Agreement will not be a waiver of such party’s right to demand strict compliance in the future, nor will the same be construed as a novation of this Agreement.

10.2 Descriptive Section Titles used in this Agreement are for convenience only and shall not control or affect the meaning or construction of any provision of this Agreement.

10.3 If any provision of this Agreement shall be held to be invalid, void or unenforceable, the remainder of the provisions hereof shall email in full force and effect and this Agreement shall be construed as if such invalid, void or unenforceable provision had not been contained herein.

10.4 Any changes or modifications to this Agreement must be in writing and signed by an authorized representative of both parties before taking effect. The parties agree that the writing may be presented via email or Internet page and that an electronic signature made via such medium shall have the same legal force and effect as a handwritten signature.