They affect your legal rights and alert you to limitations of liability and other important matters.

You agree, that by i) using this site,  ii) purchasing any products or services from New CPN File, newcpnfile.com A.K.A. (“COMPANY”), or any related entities utilizing any of the products or services from COMPANY through this site, you are deemed to have agreed to these Terms and Conditions.

We also reserve the right to modify them at any time.

For that reason, you should check these Terms and Conditions periodically for changes.

By using this site after we post any changes to these Terms and Conditions, you also agree to accept those changes, whether or not you have reviewed them. Here’s why that’s fair – the changes are always posted here. With regard to information, products and services purchased, provided, or utilized from COMPANY, the version of these Terms and Conditions that were posted at the time of purchase or utilization apply. If at any time you choose not to accept these Terms and Conditions of use, do not use this site.

User Agreement

While using newcpnfile.com, you will not:

Post content or items on the web site; Violate any laws, third party rights, or our policies; Use the web site if you are not able to form legally binding contracts, or are under the age of 18; fail to deliver payment services purchased by you; circumvent or manipulate our fee structure, the billing process, or fees owed to newcpnfile.com: Post false, inaccurate, misleading, defamatory, or libelous content (including personal information) on the web site; transfer your newcpnfile.com account to another party without our consent; distribute or post spam, chain letters, or pyramid schemes on the web site; Distribute viruses or any other technologies that may harm newcpnfile.com, or the interests or property of newcpnfile.com users; copy, modify, or distribute content from the web site or newcpnfile.com copyrights and trademarks; or, harvest or otherwise collect information about users, including email addresses, without their consent. newcpnfile.com works to keep the web site working properly and its customers safe. Please report problems, offensive content, and policy violations to us.

Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, delay or remove hosted content, if any, and take technical and legal steps to keep users off the web site if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts or accounts that have been inactive for a long time.

Fees and Services

To join newcpnfile.com you must first register with newcpnfile.com. We do charge fees for using our services. The fees for our services are set forth on our web sites and in the contract. newcpnfile.com reserves the right to change its fees for both new and existing customers. However, fee changes are only effective as of the date a new customer signs a contract or an existing customer renews a contract with newcpnfile.com. We may choose to temporarily change the fees for our services for promotional events or new services. Such temporary changes are effective when we post the temporary promotional event or new service on the web site.

Unless otherwise stated, all fees are quoted in U.S. Dollars. You are responsible for paying all fees and applicable taxes, if any, associated with our services in a timely manner with a valid payment method. If your payment method fails or your account is past due, we may collect fees owed using other collection mechanisms. These collection mechanisms include, but are not limited to: charging other payment methods on file with us, or retaining collection agencies and legal counsel to collect any amounts due from you.

Limitation of Liability

You will not hold COMPANY responsible for other users’ actions or inactions, including things they post. You acknowledge that we are not a traditional service provider. Instead, this web site is a venue to allow a customer an alternative method to improve that customer’s credit score but primarily establish a new personal business with a real business structure and all duties that apply. To the best knowledge, information and belief of newcpnfile.com, the services offered by newcpnfile.com have not been deemed illegal, deceptive or fraudulent by any court or administrative agency having jurisdiction over the services provided by newcpnfile.com. By using our services, a customer assumes all risk that these services offered by newcpnfile.com may be declared illegal, deceptive or fraudulent by a court or administrative agency having jurisdiction over the services provided by newcpnfile.com.

If the services provided by newcpnfile.com are declared illegal, deceptive or fraudulent by a court or administrative agency having jurisdiction over those services, then newcpnfile.com reserves the right to immediately terminate any or all contracts with any or all customers; and, to immediately modify or cease its operations based on scope of the decision of that court or administrative agency. Nothing in this User Agreement shall adversely alter or affect the governing provisions of the Country of Reykjavik Iceland Consumer Protection Act.

Furthermore, while newcpnfile.com has taken available precautions to protect its web site, newcpnfile.com cannot, and does not, guarantee absolutely continuous or secure access to our web site. Operation of the web site may be interfered with by numerous factors outside of our control. Accordingly, to the extent legally permitted, we exclude all implied warranties, terms, and conditions. We are not liable for any loss of personal information that may result from the acts of third parties, or any special, indirect, or consequential damages arising out of your use of our web site. To the extent that Country of Reykjavik Iceland may not allow the disclaimer of warranties or the exclusion of damages, then any such disclaimers and exclusions may not apply to you.

You agree to indemnify, save, and hold COMPANY, its affiliated companies, contractors, employees, agents and its third-party suppliers, licensors, and partners harmless from any claims, losses, damages, liabilities, including legal fees, fees and expenses, arising out of your use or misuse of our Service, any violation by you of these Terms of Service, or any breach of the representations, warranties, and covenants made by you herein. COMPANY reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify COMPANY, and you agree to cooperate with COMPANY defense of these claims. COMPANY will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it. You agree that the provisions in this paragraph will survive any termination of your Account(s) or of our Service.

Service Agreement Addendum: Any and all products and services may change before, during or after initial purchase of any service you the client has purchased that comes into question. Inventory may change, be added to or be outdated at the time of purchase. If changes in service are realized from the original expectation of service purchased, then credit for services will be provided to gain back equal or lesser to experience of service we are able to provide given service and market condition corrections.

Access and Interference

You agree that you will not use any robot, spider, scraper or other automated means to access the web site for any purpose without our prior, express, written consent.

Additionally, you agree that you will not:

take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our infrastructure; copy, reproduce, modify, create derivative works from, distribute, or publicly display any content (except for your information) from the web site without the prior, express, written consent of newcpnfile.com and any appropriate or necessary third party; interfere or attempt to interfere with the proper working of the web site or any activities conducted on the web site; or, Bypass any measures we may use to prevent or restrict access to the web site.


The protection of your privacy is a fundamental principle of newcpnfile.com. We will not sell or rent your personal information to third parties for their marketing purposes without your prior, express, written consent. We use your information only as described in your contract and this User Agreement. We store and process your information on computers located in the United States that are protected by physical as well as technological security devices. If you object to your information being stored, transferred, or used in this way please do not use our services.

Indemnity cont;

You will indemnify and hold newcpnfile.com, its agents, directors, employees, and officers harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of this User Agreement, or your violation of any law or the rights of a third party. No agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created between you and newcpnfile.com by this User Agreement.


Unless expressly stated otherwise, legal notices shall be served: on newcpnfile.com registered agent at its registered office; or, on you at the last known street address that you provided to newcpnfile.com during the registration process. A written notice shall be deemed successfully delivered three (3) business days after the date the written notice was placed in the United States mail, postage prepaid.

Resolution of Disputes

If a dispute arises between you and newcpnfile.com, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and newcpnfile.com agree that we will resolve any claim or controversy at law or equity that arises out of this User Agreement or our services (a “Claim”) in accordance with one of the subsections below or as we and you otherwise agree in writing. Before resorting to these alternatives, we strongly encourage you to first contact us directly to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.

Law and Forum for Disputes

This User Agreement shall be governed in all respects by the laws of the Country of Reykjavik Iceland as they apply to agreements entered into and to be performed entirely within Reykjavik Iceland between U.S. residents, without regard to conflict of law provisions. You agree that any claim or dispute you may have against newcpnfile.com must be resolved by a court located in the Country of Reykjavik Iceland by the parties or as described in the Arbitration Option paragraph below. You agree to submit to the personal jurisdiction of the courts located within the Country of Reykjavik Iceland for the purpose of litigating all such claims or disputes.


If any provision of this User Agreement is held to be invalid or unenforceable by a court of competent jurisdiction, then that provision shall be struck and the remaining provisions of this User Agreement shall be enforced without reference to that provision. In our sole discretion, we may assign this User Agreement in accordance with the Notices section hereof. The headings used in this User Agreement are for reference purposes only and do not limit the scope or extent of a section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee we will take action against all breaches of this User Agreement. When using particular services on the web site, you are subject to any posted policies or rules applicable to the services you use through the web site. These policies or rules may be posted from time to time. All such policies or rules are hereby incorporated into this User Agreement. The following sections of this User Agreement shall survive any cancellation, expiration, or termination of this User Agreement: Fees and Services (with respect to fees owed for our services), Release, Limitation of Liability, Indemnity, and Resolution of Disputes.

This User Agreement, Disclaimer and any contract signed by you with newcpnfile.com, set forth the entire understanding and agreement between the parties with respect to the subject matter hereof.  The following User Agreement, in conjunction with the Disclosure Agreement and your written contract with newcpnfile.com, describes the terms and conditions under which newcpnfile.com offers you access to our services. By using the services of newcpnfile.com, you agree to the terms and conditions contained in this User Agreement, as well as those terms and conditions contained in your written contract with newcpnfile.com.

By accessing the domain newcpnfile.com, you accept all of the terms and conditions in, and linked to, this User Agreement and the Disclaimer as well as the Terms and Conditions.  We strongly recommend that you read this User Agreement and Terms and Conditions in its entirety. This Agreement is effective as of August 1, 2001, for current users, and upon acceptance for new users using newcpnfile.com as well as any time in the future.

 Product Revisions

COMPANY is not responsible for changes or variations in product specifications and/or physical appearance, since in some cases COMPANY acts as a distributor for others. In the interest of our customers, COMPANY puts forth its best efforts to ensure that all product information is up-to-date and factual. Unfortunately there are varying determinates which, although infrequent, could cause the information on our website to become outdated without our immediate knowledge. This includes but is not limited to new versions or revisions, color deviations, retail package alterations and other variations that may be considered inconsequential by the manufacturer. In some cases, COMPANY relies on the manufacturer of a product to communicate these differences. Presently we have no way of alerting customers prior to purchase in the event the manufacturer fails to do so. Consequently, COMPANY will not be held responsible for product revision changes.

Money Back Guarantee

You will get money back when you make referrals and earn 10% commissions on them. When one of your friends or clients puts your name in the “Register for Service” application in the “referrer” field we will make a deposit of 10% of the total services purchased from them on their final/balance payment within 48 hours.

Refund Policy

Due to the nature of the services we provide, all sales are final and non-refundable. If you have any questions regarding our terms of use or refund policy please call or email newcpnfile.com before placing your order. By placing your order, communicating with us or submitting your information you are entering into a binding purchase contract and or full understanding of this policy. This has been done to protect the integrity of our services. I give full authorization to newcpnfile.com to charge me in full for any and all products and services purchased from newcpnfile.com. I understand that any and all products purchased from this site do not have any guarantee. I understand that all sales are final, and there are no refunds. If you do not agree with these terms and our Refund policy please leave our site.