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Top Shelf Reputation Blog

How Court Records Affect Loan Applications beside a woman looking up in thought

How Online Court Records Affect Loan Applications

Top Shelf Reputation March 21, 2025 3:03 am No Comments

Your online presence can say more about you than you think—especially when applying for a loan. In today’s connected world, online court records are just a few clicks away for lenders doing due diligence. Whether you’re applying for a mortgage, car loan, or small business financing, public court records could

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How to Protect Your Reputation from Past Legal Records beside a man who looks skeptical

How to Protect Your Reputation from Past Legal Records

Top Shelf Reputation March 21, 2025 2:47 am No Comments

Whether it’s a dismissed lawsuit, an old arrest, or a resolved civil case, past legal records can linger online and create long-term damage to your personal or professional reputation. Even if you were never convicted or the issue was resolved, the internet doesn’t always tell the full story—and Google certainly

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How to Remove Court Records from Google Search besid ea surprised man

How to Remove Court Records from Google Search

Top Shelf Reputation March 21, 2025 1:35 am No Comments

Having court records appear in Google search results can be damaging to your personal or professional reputation. Whether the information is outdated, misleading, or no longer relevant, removing court records from Google can help you regain control over your online image. In this guide, we’ll walk you through the best

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Top Shelf Reputation © 2025 | All Rights Reserved

Privacy Policy | Terms & Conditions

Terms & Conditions

These website terms and conditions of use for topshelfreputation.com (the “Website”), constitute a legal agreement and are entered into by and between you and Top Shelf Reputation (“Company”, “we”, “us” or “our”). The following terms and conditions, together with any documents or additional terms expressly incorporated by reference (collectively, these “Terms and Conditions”), govern your access to and use, including any content, functionality, and services officered on or through the Website.

Acceptance of Our Terms and Conditions

By visiting, viewing, accessing, or otherwise using any of the services or information created, collected, compiled, or submitted to our Website, you accept and agree to be bound by these Terms and Conditions and our Privacy Policy, incorporated herein by reference. If you do not agree to these Terms and Conditions or the Privacy Policy, you must not access or use the Website.

Your Use of the Website and Account Set-Up and Security

Users are responsible for obtaining their own access to the Website and for the Website’s availability and performance. Users are required to ensure that all persons who access the Website through a user’s internet connection are aware of these Terms and Conditions and comply with them. Users are responsible for any security breaches or performance issues relating to accessing the Website.

Any submissions you make to the Website through any functionality such as applications, chat rooms, e-mail, message boards, and other such functions (collectively, “Interactive Functions”) constitutes your consent to all actions we take with respect to such information consistent with our Privacy Policy.

You are prohibited from attempting to circumvent and from violating the security of this Website including without limitation: (a) accessing content and data that is not intended for you; (b) attempting to breach or breaching the security and/or authentication measures which are not authorized; (c) restrict disrupt or disable service to users, hosts, servers or networks; (d) illicitly reproducing TCP/IP packet header; (e) disrupting network services and otherwise disrupting Website owner’s ability to monitor the Website; (f) use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website; (g) introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (h) attack the Website via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing or crashing; and (i) otherwise attempt to interfere with the proper working of the Website.

Site Monitoring and Enforcement, Suspension and Termination

Company has the right, without provision of notice to:

  1. Take appropriate legal action, including without limitation, referral to law enforcement, regulatory authority or harmed party for any illegal or unauthorized use of the Website. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website.
  2. Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms and Conditions.

 

YOU AGREE TO WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY AND ANY OF THE FOREGOING PARTIES RELATING TO ANY INVESTIGATIONS BY EITHER THE COMPANY OR SUCH PARTIES OR BY LAW ENFORCEMENT AUTHORITIES.

We have no obligation, nor any responsibility to any party to monitor the Website or use, and do not and cannot undertake to review material that you or other users submit to the Website. We have no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party.

Site Information/No Reliance

The content on our Website is provided for general information purposes only. It is not intended to amount to advice of any kind (legal, technical, professional or otherwise) on which you should rely. You must obtain more specific or professional advice before taking, or refraining from, any action or inaction on the basis of the content on our site.

Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up to date. Your use of the Website is at your own risk and the Company has no responsibility or liability whatsoever for your use of this Website.

This Website includes content provided by third parties, including from other users and third-party licensors. All statements and/or opinions expressed in any such third party content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. Such materials do not necessarily reflect the opinion of the Company. The Company is not responsible, or liable to you or any third party, for the content or accuracy of any third party materials.

Provision of Services

You agree and acknowledge that our website is entitled to modify, improve, or discontinue any of its services at its sole discretion and without notice to you even if it may result in you being prevented from accessing any information contained in it. Furthermore, you agree and acknowledge that we’re entitled to provide services to you through subsidiaries or affiliated entities.

Intellectual Property Rights and Ownership

You acknowledge and agree that the Website and its entire contents, features and functionality, including but not limited to all information, software, code, text, displays, graphics, photographs, video, audio, design, presentation, selection, and arrangement, are owned by the Company, its licensors, or other providers of such material and are protected in all forms by intellectual property laws including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.

The Company name, the Company logo, and all related names, logos, product and service names, designs, images, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. Other names, logos, product and service names, designs, images and slogans mentioned or which appear on this Website are the trademarks of their respective owners. Use of any such property, except as expressly authorized, shall constitute a violation of the rights of the property owner and may be a violation of federal or other laws and could subject the violator to legal action.

You may only use the Website for your personal and non-commercial use. You shall not directly or indirectly reproduce, compile for an internal database, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, in any form or medium whatsoever except as otherwise set out in these Terms and Conditions. We authorize you to view and make a single copy of portions of this Website’s content for lawful offline, personal, non-commercial use. Our content may not be sold, reproduced, or distributed without our written permission. Any further rights not specifically granted herein are reserved. Any use of the Website not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other intellectual property laws.

Disclaimers of Warranties

You understand and agree that your use of the website, its content, and any services or items found or attained through the website is entirely at your own risk and are provided “as is” and “as available” basis without any warranties of any kind, either express or implied including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. the foregoing does not affect any warranties that cannot be excluded or limited under applicable law.

NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS MAKES ANY WARRANTY, REPRESENTATION OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY OR AVAILABILITY OF THE WEBSITE OR ITS CONTENTS. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

We cannot and do not guarantee or warrant that files or data available for downloading from the internet or the Website will be free of viruses or other destructive code. You are solely and entirely responsible for your use of the Website and your computer, internet and data security. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL-OF-SERVICE ATTACK, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OVERLOADING, FLOODING, MAILBOMBING OR CRASHING, VIRUSES, TROJAN HORSES, WORMS, LOGIC BOMBS, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

Limitation of Liability

Under no circumstance will the Company, its affiliates and their respective directors, officers, employees, agents, or service providers be liable for negligence, gross negligence, negligent misrepresentation, fundamental breach, damages of any kind, under any legal theory, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, breach of privacy or otherwise, even if the party was allegedly advised or has reason to know, arising out of or in connection with your use, or inability to use, reliance on the Website, any linked websites or such other third party websites, nor any site content, materials, posting or information thereon. In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed our liability is limited to the greatest extent permitted by law.

Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your breach of these Terms and Conditions or your use of the Website, including, but not limited to, third party sites, any use of the Website’s content, services, and products other than as expressly authorized in these Terms and Conditions.

External Content

This website may include links or pointers to third-party content, advertising, or websites. We make no representations about any other websites that may be accessed from this Website. If you choose to access any such sites, you do so at your own risk. We have no control over the contents of any such third-party sites and accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to any terms and conditions of such third-party sites.

Jurisdiction

This Website and these Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of Florida and applicable federal laws of the United States without regard to conflicts (a/k/a “choice of law”) rules. You expressly agree to submit to personal jurisdiction and venue in the County of Charlotte, Florida, in action or proceeding arising out of this Website or under these Terms and Conditions. Any dispute between the parties shall be resolved by litigation in the courts of the State of Florida in the County of Charlotte, Florida, applying New York law.

Purchase of Products and/or Services

All orders, purchases or transactions for the sale of goods or services listed on this site or agreed upon with written or verbal communication with the Company or its affiliates are final. You may be subject to additional terms and conditions when you use to purchase or access other services, the services of affiliates, third-party content or material and such terms and conditions of sale are also incorporated into these Terms and Conditions.

Waiver

No waiver under these Terms and Conditions is effective unless it is in writing and signed by an authorized representative of the party waiving its right. No failure to exercise, or delay in exercising, any right, remedy, power or privilege arising from these Terms and Conditions operates, or may be construed, as a waiver thereof. No single or partial exercise of any right, remedy, power or privilege hereunder precludes any other or further exercise thereof or the exercise of any other right, remedy, power or privilege.

Entire Agreement

The Terms and Conditions and our Privacy Policy constitute the sole and entire agreement between you and us regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, regarding such subject matter. You may be subject to additional terms and conditions when you use, purchase, or access other services, the services of affiliates, third-party content or material.

Severability

If any term or provision of these Terms and Conditions is invalid, illegal or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other term or provision of these Terms and Conditions or invalidate or render unenforceable such term or provision in any other jurisdiction.

Modifications to the Terms and Conditions and to the Website

We reserve the right in our sole discretion to modify and update these Terms and Conditions from time to time without any notice. Any and all such modifications are effective immediately upon posting and apply to all access to and continued use of the Website. You agree to periodically review the Terms and Conditions in order to be aware of any such modifications and your continued use shall be your acceptance of these.

The information and material on this Website and the Website may be changed, withdrawn or terminated at any time in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is restricted to users or unavailable at any time or for any period.

Contacting Us

Please contact us with any concerns or questions using the information below:
[email protected]

Privacy Policy

Commitment to Privacy

We at Top Shelf Reputation are committed to protecting the privacy of our customers. We are dedicated to providing you with superior service while protecting your privacy and safeguarding your personal information, as well as how you can access your information. This Privacy Policy outlines how and why we collect, use, protect and disclose your information, as well as how you can access your information on our website: topshelfreputation.com (the “Website”).

Information Collection 

Top Shelf Reputation collects personal information as defined under the New York SHIELD Act, the California Consumer Privacy Act (“CCPA”), the Canadian Personal Informal Protection and Electronic Documents Act (“PIPEDA”), the United Kingdom’s Data Protection Act 2018 (“DPA”), and the European Union’s General Data Protection Regulation (“GDPR”). Hereinafter, collectively, the “Privacy Laws”. Additionally, we control and process personal data under the DPA and GDPR. 

If you are a citizen or legal resident of the United Kingdom or European Union, or a resident of California, please see the section entitled Data Protection Rights Under the DPA, GDPR and the CCPA, below.

What Personal Information Do We Collect and How? 

We collect your personal information when you fill out a contact form from our Website for a quote for our services and in subsequent communications with our representatives via email, text message, video call or telephone call. If you opt to engage our service, some additional information may be collected in our written agreements which are executed via electronic signature. The personal information we may collect includes:

  1. your name,
  2. telephone number,
  3. residential address (for engaged clients only),
  4. email address,
  5. IP address;
  6. date of birth (for engaged clients only); and
  7. credit card information; and
  8. copies of your legal identification (for certain engaged clients only).

 

We may, however, in accordance with the Privacy Laws collect personal information without your knowledge or consent for a variety of reasons. These include collection solely for journalistic, artistic or literary purposes; information that is publicly available; collection that is clearly in the interests of the individual and consent cannot be obtained in a timely way, or it is required by law. 

Why We Collect Personal Information and What We Use Your Personal Information For

Collecting personal information about you is essential to our being able to provide the services that best meet your needs. All of the personal information we collect comes directly from you and may be used for the following purposes:

  1. to process applications and provide requested information, products or services;
  2. to obtain information for billing and accounting services relating to our products and services;
  3. to send communications, including newsletters;
  4. to offer you new products, services, or to inform you of ongoing campaigns and promotions;
  5. for internal, external and regulatory audit purposes;
  6. to manage and develop our business and operations to provide our customers with the highest level of satisfaction; an
  7. to meet legal and regulatory requirements.

Personal information may also be used for other purposes, subject to obtaining your express prior consent for such use. 

How Do We Secure Your Information? 

We are committed to protecting your personal information with the appropriate security measures, physical safeguards and electronic precautions. We implement a variety of security measures to maintain the safety of your personal information when you use our services, as required by the Privacy Laws. Access to personal information will be authorized only for the employees who need to know this information in order to perform their respective job duties and for the purposes set out in this Privacy Policy and in any contracts signed by you, or pursuant to your written instructions. We train our employees and make them aware of the importance of maintaining the confidentiality of personal information and our legal obligations under the Privacy Laws. Our employees are required to maintain confidentiality and may not use the information for any unauthorized purpose. Only our employees with a business need to know, or whose duties reasonably so require, are granted access to your personal information. We use a secure server which stores all personal information. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and we keep the information confidential. After the conclusion of the services provided to you, your personal information (including any credit card numbers, social insurance numbers, or other financial information, etc.) will be deleted from our servers in accordance with applicable law.

Do We Use Cookies? 

Yes. We use session cookies utilizing HTML5, and Javascript. Cookies are small files that a website or its service provider transfers to your computer’s hard drive through your web browser (if you allow them) that enables the website or service provider’s systems to recognize your browser and capture and remember certain information. We use cookies to compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. While Cookies are widely used, it may be possible to disable Cookies via your browser settings. You may visit our site anonymously. Google, as a third-party provider, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to you based on your visit to our Website as well as other sites on the Internet. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy. 

Do We Disclose Any Information To Outside Parties?

We will only use your personal information for the purposes stated in this Privacy Policy, as well as any forms signed or completed by you, any purposes that may be outlined and agreed to verbally, and within the limits of the Privacy Laws.

In the event that we want to use your personal information for a purpose not previously identified, consent with respect to such use or disclosure will, subject to the Privacy Laws and other applicable laws, be sought before it is used.

We may share your personal information as outlined below. In each case, we will endeavor to ensure that any other recipients of your data comply with the terms of this Privacy Policy and the Privacy Laws, including without limitation, through the use of contracts, non-disclosure agreements, confidentiality agreements, and other legally enforceable mechanisms.

In certain circumstances, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We may also disclose your personal information as required by law, such as to comply with a subpoena or other legal process, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. Where legally permitted, you will be notified of any such disclosures.

If Top Shelf Reputation is involved in a merger, acquisition, dissolution, sale of all or a portion of its assets, or other fundamental corporate transaction, we reserve the right to sell or transfer your information as part of the transaction. In such an event, you will be notified via email and/or a prominent notice on our website of any change in ownership, incompatible new uses of your personal information, and choices you may have regarding your personal information.

We may share your personal information with Service Providers we utilize for business purposes, including without limitation, monitoring and analyzing the usage of our services, advertising our services on third-party websites, advertising on our website, interacting with you, or for payment processing.

We may share or transfer your personal information with any parent company, subsidiaries, affiliates (including joint-venture partners, companies we control or that are under our common control) or successors, or in connection with any merger, sale, financing applications, or acquisition by another company.

We may share your information with our business partners to offer you certain products, services or promotions, including without limitation, law firms and legal professionals, public relations firms, etc. BY USING OUR SERVICES OR SUBMITTING YOUR INFORMATION TO US YOU EXPRESSLY AGREE TO SUCH TRANSFERS AND EXPRESSLY RELEASE US FROM ANY LIABILITY FOR THE ACTIONS OF OUR BUSINESS PARTNERS.

When you share personal information or interact with other users or register through a third-party platform, such as social media or professional networking sites, your contacts other users of said third-party platforms, may be able to see your name, profile picture, location and other data. Similarly, other users may be able to view the nature of your interaction with us, comment or share such interactions and/or contact you directly.

In certain circumstances, we may be required to provide personal information to third parties for legal or regulatory purposes.

Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Children’s Online Privacy Protection Act Compliance 

We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our Website, products, and services are all directed to people who are at least 13 years old or older. 

Your Consent 

Consent is required for the collection of personal information and the subsequent use or disclosure of this information. In order for us to receive personal information from you and allow us to provide you with a requested product or service, your consent to allow us to use that personal information in accordance with this Privacy Policy. When you are completing the service request form on our Website, you will be required to confirm by way of checking a box that you have read and agreed to the terms of this Privacy Policy. Only after such box is checked, will your personal information included in the form be provided to us. If you need to provide personal information about other individuals (such as employees, dependents, etc.), you must first obtain their consent for these purposes prior to your disclosure to us. Providing us with your personal information is always your choice. When you request services from us, we ask that you provide information that enables us to provide those services to the best of our abilities. You will be authorizing us to use and retain this personal information for as long as it may be required for the purposes described above. Your consent remains valid even after the termination of our relationship with you unless you provide us with written notice that such consent is withdrawn. By withdrawing your consent, or not providing it in the first place, you may limit or even prevent us from being able to provide you or an authorized third party with the products or services desired. You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. You can contact us at [email protected] to express your intention to withdraw your consent. You may also contact us for more information regarding the implications of withdrawing consent. This policy does not cover statistical data from which the identity of individuals cannot be determined. We retain the right to use and disclose statistical data as we determine appropriate. 

Data Protection Rights Under the DPA, GDPR and the CCPA

As a citizen and/or resident of the European Union (“EU”) or the United Kingdom (“UK”) you may have certain rights available to you under the GDPR, in addition to those set forth elsewhere in this Privacy Policy. Residents of California may have rights under the CCPA similar to those contained in the GDPR. These rights include:

  1. Right to access – you have the right to request copies of your personal data collected by us. We may charge a small fee for this service.
  2. Right to correct – you have the right to that we correct any personal information we hold which you believe is inaccurate or incomplete.
  3. Right to erase – you have the right to request that we erase your personal data, under certain conditions.
  4. Right to restrict – you have the right to request that we restrict the processing of your personal data, under certain conditions. This includes the right to opt out of the sale of personal data under the CCPA.
  5. Right to object – you have the right to object to our processing of your personal data, under certain conditions.
  6. Right to portability – you have the right to request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.
  7. Finally, you have the right not to be discriminated against based on exercising any of the rights listed above.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us via the means listed in the Contacting Us section below.

Dispute Resolution 

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request. 

Privacy Policies of Other Websites 

The Top Shelf Reputation website contains links to other websites, including without limitation, our profiles on social media pages. Our Privacy Policy applies only to the Top Shelf Reputation website and does not apply to any other websites which you may access via the Top Shelf Reputation website. When navigating to any other website from topshelfreputation.com you should read their privacy policy.

Changes to our Privacy Policy 

We may from time to time change or update this Privacy Policy as new services and uses are added or laws change. Changes to this Privacy Policy will be effective when notice of such change is posted on our website. Please check this Privacy Policy regularly for updates. This policy was last updated December 5, 2024. 

Contacting Us 

If there are any questions regarding this privacy policy you may contact us at [email protected] or write to us at 3050 Biscayne Blvd., Suite 400, Miami, FL 33137.