Terms of Service

01Agreement to these terms

These Terms of Service (the "Terms") are a binding agreement between you and Credit Wolf (the "Company"), which operates Credit Wolf (the "Platform"). By creating an account, accessing or using the Platform, you agree to these Terms, our Privacy Policy and our Disclaimers, which are part of these Terms. If you do not agree, do not use the Platform.

If you use the Platform on behalf of a business (an "Agency"), you confirm you are authorized to bind that business, and "you" includes the business. You must be at least 18 years old and able to form a binding contract.

02Educational purposes only. No advice.

The Platform and all of its content, tools, calculators, scores, letters, templates, courses, product information and communications are provided for general educational and informational purposes only. Nothing on the Platform is, or should be relied on as, financial, investment, credit, credit-repair, legal, tax, accounting or business advice, or a recommendation to take or avoid any action.

The Company is not a law firm, financial adviser, credit counselor, lender, broker, consumer reporting agency or credit repair organization, and no professional or fiduciary relationship is created by your use of the Platform. Consult a qualified, licensed professional before making financial, credit, legal or business decisions. You are solely responsible for your decisions and their results.

03No guarantees

We do not promise or guarantee any result, including any credit score increase, removal or correction of any information, approval for credit, loan, funding or any product, interest rate, or business outcome. Credit bureaus, creditors, collectors and lenders make their own independent decisions. Accurate, timely and verifiable information can lawfully remain on a credit report, and the Platform is designed never to dispute it.

04Agencies, clients and our role

The Platform is software. Agencies use it to manage their own clients; clients use a portal their Agency controls. Each Agency is an independent business, not our agent or employee, and is solely responsible for its services, advertising, contracts, fees, disclosures, licensing, bonding and registration, and for compliance with all laws that apply to it, including the federal Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Telemarketing Sales Rule, the Gramm-Leach-Bliley Act and state credit services laws.

We do not provide credit repair services, do not contact credit bureaus or creditors on anyone's behalf, and are not a party to any agreement between an Agency and its clients. Disputes about an Agency's services or fees are between the Agency and its client. Clients: you have the right to dispute inaccurate information in your credit file directly with the credit bureaus and creditors, yourself, for free. See our Disclaimers.

05Your account and security

• Provide accurate, current information and keep it updated. Each account is for one person; don't share logins.
• Keep your password and two-step verification secure. You are responsible for all activity under your account.
• Tell us immediately if you suspect unauthorized access.
• Only upload information and documents you have the right to share, and, for Agencies, only with the client's written authorization.

06Acceptable use

You agree not to use the Platform, or help anyone else use it, to:

• dispute information you know or believe to be accurate, or submit false, misleading or frivolous disputes;
• make a false identity theft claim, or file a false police or FTC report;
• create, promote or use credit privacy numbers (CPNs), synthetic or borrowed identities, or "file segregation" schemes;
• misrepresent your identity, impersonate anyone, or upload documents that are forged, altered or not yours;
• charge or collect fees in violation of CROA or state law, or make guarantees of results;
• harass, threaten or deceive consumers, creditors, collectors or bureaus;
• access data you are not authorized to see, probe or bypass security, scrape, reverse engineer, overload or disrupt the Platform;
• upload malware, or use the Platform for any unlawful, fraudulent or abusive purpose; or
• otherwise manipulate the Platform or use it in a way that defeats its purpose of accurate, lawful, evidence-based credit education and resolution.

07Suspension and termination

We reserve the right, in our sole discretion, to suspend, restrict or permanently terminate any account or access to the Platform, at any time and with or without notice, if we believe the account has violated these Terms, abused or manipulated the Platform or its intended purpose, created legal, security or reputational risk, or for any other lawful reason.

Termination for a violation is without refund of any fees paid. We may preserve and disclose records, including audit logs, where required by law or to protect the Platform, users or others. You may stop using the Platform and close your account at any time. Sections that by their nature should survive termination (including Disclaimers, Limitation of Liability, Indemnification and Dispute Resolution) survive.

08Fees and billing

Agencies pay the subscription fee shown at sign-up or in their billing settings, which we may change with notice. Fees are billed in advance through our payment processor, Stripe, and are non-refundable except where required by law. Agencies that bill their own clients through the Platform do so as the merchant of record, under their own Stripe account and their own terms, and are solely responsible for compliance with CROA's restrictions on advance fees and with state law. Unpaid accounts may be suspended.

09Third-party data and services

The Platform may display or let you enter information from third parties, such as credit bureaus, Credit Karma, score providers, lenders and sign-in providers (Google). We do not control and are not responsible for third-party information or services, and we are not affiliated with or endorsed by them. Information you enter from another service, including a Credit Karma snapshot, is only a partial, point-in-time view and may be incomplete or inaccurate. All trademarks belong to their owners.

10Your content and our license

You keep ownership of the information and documents you upload. You give us a limited license to host, encrypt, process and display them only to operate and provide the Platform to you and the people you authorize, and as described in our Privacy Policy. The Platform itself, including its software, design, text, templates and courses, belongs to us or our licensors; we give you a limited, revocable, non-transferable right to use it under these Terms.

11Disclaimer of warranties

The Platform is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy and uninterrupted or error-free operation. We do not warrant that any content, score, calculation, letter or template is accurate, complete, current or suitable for your situation.

12Limitation of liability

To the fullest extent permitted by law, the Company and its owners, officers, employees, contractors and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, data, credit opportunities or goodwill, arising out of or related to the Platform or these Terms, even if advised of the possibility.

Our total liability for all claims relating to the Platform or these Terms will not exceed the greater of (a) the amount you paid us in the twelve months before the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions don't allow certain limitations, so some of the above may not apply to you.

13Indemnification

You will defend, indemnify and hold harmless the Company and its owners, officers, employees and contractors from any claims, damages, losses, penalties and expenses (including reasonable attorneys' fees) arising from your use of the Platform, your content, your violation of these Terms or any law, or, for Agencies, your services to and dealings with your clients.

14Dispute resolution, arbitration and class action waiver

Please read this section carefully; it affects your rights. Before filing a claim, you agree to contact us and try to resolve it informally for 30 days. Any dispute that isn't resolved will be decided by binding individual arbitration administered by the American Arbitration Association under its applicable rules, rather than in court, except that either party may bring an individual claim in small claims court, or seek an injunction for misuse of intellectual property or the Platform.

You and the Company each waive the right to a jury trial and to participate in a class, collective or representative action. You may opt out of arbitration within 30 days of first accepting these Terms by writing to us. If the class action waiver is found unenforceable for a claim, that claim must proceed in court and not in arbitration.

These Terms are governed by the laws of the state in which the Company is organized and applicable federal law, without regard to conflict-of-law rules.

15Changes and general terms

We may update these Terms. When we make material changes we will update the version above and ask you to accept them before you continue using the Platform. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition or sale of assets. These Terms, with the Privacy Policy and Disclaimers, are the entire agreement between you and us about the Platform.