1. Introduction

Welcome to Better Credit Challenge. These Terms and Conditions (“Terms”) govern your access to and use of our website, consulting services, and related offerings. By engaging with our platform or services, you agree to be bound by these Terms. If you do not agree with any part of the Terms, please discontinue use immediately.

2. Nature of Services

Better Credit Challenge offers credit consulting and educational support to individuals looking to improve their creditworthiness. We provide assistance in identifying potential inaccuracies, offering strategic dispute planning, and guiding clients through credit-building steps. We do not offer legal services or credit repair services directly. We do not guarantee results and cannot remove accurate, verified information from your credit report.

3. Use of Our Website

You agree to use our site only for lawful purposes and in a manner that does not infringe the rights of others. Unauthorized use of our content, including scraping, hacking, or misrepresentation, is strictly prohibited.We reserve the right to modify or terminate access to the site or services without notice for violation of these Terms.

4. User Responsibilities

Clients agree to:

Provide truthful, complete information. Refrain from engaging in credit disputes while enrolled unless directed by our team. Notify us of any address or status changes that may affect communication. Submit any mail or communication received from credit bureaus promptly.

5. Client Portal and Security

If using our client portal, you agree to:

Keep login credentials secure. Not share access with unauthorized individuals. Be responsible for all activities conducted under your account.

6. Fees, Billing & Refunds

Clients are billed according to the selected service (e.g., DIY package, monthly consulting, or per-round strategic sessions).

Initial Setup Fee: Some services may require a one-time setup fee. Billing Cycle: Invoices are generated post-service, with fees due upon delivery of strategic planning or coaching. Late Fees: Late payments may result in a $10 administrative charge after a two-week grace period. Cancellation: Clients must provide 14 days’ written notice before the next billing cycle to avoid further charges. Refunds: Refunds are provided for unused services or billing errors only. Work already completed is non-refundable.

7. Communications

By submitting your contact details, you consent to receive:

Email updates, alerts, or promotional messages SMS messages related to appointments, status updates, or client support

You may opt out at any time. Message and data rates may apply.

8. Privacy and Data Handling

We protect your information using industry-standard safeguards. Sensitive data is encrypted and only accessible to authorized staff. Please review our Privacy Policy for details on how your information is used, stored, and shared.

9. Third-Party Services

We may refer you to third-party financial professionals, funding options, or affiliate programs. We do not guarantee outcomes or endorse any specific provider. You are responsible for conducting your own due diligence.

10. Limitation of Liability

Better Credit Challenge shall not be held liable for any indirect, incidental, or consequential damages resulting from use of our site or services. We provide information and strategy based on current credit laws and reporting guidelines but cannot guarantee deletions or score improvements.

11. Intellectual Property

All site content, including logos, text, graphics, and digital materials, are the property of Better Credit Challenge or its content providers. Reproduction or redistribution is strictly prohibited without written consent.

12. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict of law provisions. You consent to jurisdiction and venue in that state.

13. Updates and Revisions

We may update these Terms periodically. Your continued use of the site or services following any change constitutes acceptance of the revised Terms. Please review them regularly.

14. Contact

For questions about these Terms, please contact: Better Credit Challenge

Email: [email protected]

Phone: (848) 345-1690