Terms and Conditions

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Effective Date:02/2025

These Terms and Conditions (“Terms”) govern the use of services provided by Credit Literacy Solutions LLC our . By engaging with our services, you agree to be bound by these Terms. Please read them carefully.

Services Provided

We offer credit consultation and related financial services to help individuals improve their credit profiles. Our services may include, but are not limited to:

• Credit analysis and reporting

• Credit repair strategies

• Financial education and literacy

• Debt management advice

Eligibility
To use our services, you must:
Be at least 18 years old or the legal age of majority in your jurisdiction.

Provide accurate and complete information when requested.

 No Guarantees
While we strive to offer the best possible advice, we do not guarantee specific outcomes, including but not limited to improved credit scores, removal of specific items from your credit report, or resolution of financial disputes. Results depend on individual circumstances, creditor policies, and compliance with credit reporting agencies.
Client Responsibilities
As a client, you agree to:
Provide truthful, accurate, and complete information for us to evaluate your credit situation.

Take reasonable actions to implement the financial strategies we provide. Make timely payments for our services in accordance with any agreements. Review and follow our guidance and advice in a timely manner.

Payment Terms
All payments for services must be made in full as outlined in your service agreement.

Fees are non-refundable unless otherwise stated in specific service agreements or required by law.

Failure to make payments on time may result in the suspension or termination of services.

Cancellation and Termination
You may cancel our services at any time by providing written notice. We reserve the right to terminate services if:

You violate these Terms.

You fail to make payments as required.

We determine, at our discretion, that the services provided are no longer beneficial to you. Dispute Resolution

In the event of any dispute or disagreement between us, both parties agree to make reasonable efforts to resolve the issue amicably. If a resolution cannot be reached, disputes will be settled through binding arbitration, in accordance with the applicable laws of New York.

Limitation of Liability
We are not liable for any direct, indirect, incidental, or consequential damages arising from the use of our services, including but not limited to financial losses, repetitional harm, or emotional distress.

Indemnification
You agree to indemnify and hold harmless Credit Literacy Solutions LLC, its employees, affiliates, and partners from any claims, liabilities, damages, or expenses resulting from your use of our services, violation of these Terms, or infringement of any third-party rights.
Privacy

Your personal information will be handled in accordance with our Privacy Policy, which outlines how we collect, use, and protect your information.

 Intellectual Property
All materials, content, and services provided by us, including but not limited to logos, texts, and tools, are the intellectual property of [Your Business Name]. You are prohibited from using or reproducing them without our prior written consent.
Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on our website with the updated effective date. Your continued use of our services after any modifications constitutes acceptance of the revised Terms.
Governing Law

These Terms are governed by the laws of New York, without regard to its conflict of law principles.