Terms of Service
Last updated: October 24, 2025
1. Acceptance of Terms
By accessing and using FixMyCredit, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our service.
2. Description of Service
FixMyCredit is a credit repair platform that provides tools, resources, and guidance to help users improve their credit scores. Our service includes credit score simulation, dispute letter templates, and personalized action plans.
3. User Accounts
When our service launches, you may be required to create an account to access certain features. You are responsible for:
- Maintaining the confidentiality of your account information
- All activities that occur under your account
- Notifying us immediately of any unauthorized use
4. User Conduct
You agree not to:
- Use the service for any unlawful purpose
- Attempt to gain unauthorized access to any portion of the service
- Interfere with or disrupt the service or servers
- Transmit any viruses, malware, or other harmful code
5. Intellectual Property
All content, features, and functionality of FixMyCredit are owned by us and are protected by copyright, trademark, and other intellectual property laws.
6. Disclaimer of Warranties
The service is provided "as is" without warranties of any kind, either express or implied. We do not guarantee that the service will be uninterrupted, secure, or error-free.
7. Limitation of Liability
In no event shall FixMyCredit, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the service.
8. Payment and Refunds
Subscription fees, when applicable, will be clearly stated. We offer a satisfaction guarantee - if you're not satisfied within the first 30 days, contact us for a full refund.
9. Termination
We may terminate or suspend your account and access to the service immediately, without prior notice, for conduct that we believe violates these Terms of Service or is harmful to other users.
10. Changes to Terms
We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through the service.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
12. Contact Information
If you have any questions about these Terms of Service, please contact us at support@fixmycredit.fyi.