By accessing or using our services, you agree to these Terms of Service (“Terms”). Please read these Terms carefully. If you do not agree with them, you may not use CreditCaptain’s services. These Terms constitute a legally binding agreement between you (“User”) and CreditCaptain.
1. Introduction
CreditCaptain provides tools and services designed to assist individuals in improving their credit scores through AI-powered solutions. These Terms govern your use of CreditCaptain’s website, services, and all related interactions.
2. Definitions
• “CreditCaptain”: Refers to our company, website, and services.
• “User”: Refers to any individual who accesses or uses our services.
• “Services”: Includes credit score improvement tools, dispute management, and credit optimization features.
• “Agreement”: Refers to these Terms of Service.
3. Eligibility
To use CreditCaptain, you must:
1. Be at least 18 years old.
2. Have the legal capacity to enter into a binding agreement.
3. Provide accurate and complete information during the registration process.
4. Reside in a jurisdiction where our services are legally available.
4. Account Registration and Security
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• Notify CreditCaptain immediately of any unauthorized access or breach of security.
• CreditCaptain reserves the right to suspend or terminate accounts if fraudulent activity or Terms violations are detected.
5. Services Provided
CreditCaptain uses AI-driven solutions to assist users in improving their credit scores. Our services include:
• Automatic dispute filing for inaccurate credit report entries.
• Personalized credit improvement plans tailored to individual needs (e.g., mortgage, auto loan).
• Tools to monitor and optimize credit performance.
• Access to a credit consultation process for tailored advice.
6. Payment and Billing
1. Subscription Fees: CreditCaptain charges monthly subscription fees as outlined on our website. By subscribing, you authorize CreditCaptain to process payments using your selected payment method.
2. Refund Policy: CreditCaptain offers a 90-Day Money-Back Guarantee. If no improvement is seen in your credit score within 90 days of using our services, you are eligible for a full refund.
• To qualify for the refund, you must:
• Actively use the services as instructed.
• Provide proof of no score improvement (e.g., credit reports showing no change).
• Submit a refund request within 15 days after the 90-day period.
• Refunds will be processed within 30 days of approval.
3. Failed Payments: If a payment fails, we may suspend or terminate your account until payment is successfully processed.
7. Cancellation and Termination
1. User Cancellation: You may cancel your subscription at any time by accessing your account settings or contacting our support team. Cancellation will take effect at the end of your current billing cycle.
2. Termination by CreditCaptain: CreditCaptain reserves the right to terminate your account without notice if:
• You violate these Terms.
• Fraudulent activity is detected.
• You misuse the services or engage in unlawful activities.
3. Effect of Termination: Upon termination, you lose access to all CreditCaptain services. Any remaining balance from your subscription will not be refunded unless it qualifies under the refund policy.
8. Prohibited Activities
You agree not to:
• Use our services for illegal purposes.
• Provide false or misleading information during registration or use.
• Attempt to interfere with, disrupt, or exploit CreditCaptain’s services or systems.
• Resell or redistribute our services without prior written consent.
• Use automated tools (e.g., bots) to access the platform.
Violations of this section may result in immediate termination of your account and legal action.