Terms of Service
1. Acceptance of Terms
By accessing and using the services provided by buildyour.credit ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.
2. Description of Service
buildyour.credit provides tools and resources for managing credit-related correspondence, including but not limited to letter templates, educational resources, and guidance on credit dispute processes. The Service is intended for informational and educational purposes only.
3. User Responsibilities
3.1 Account Information
If you create an account, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
3.2 Lawful Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:
- In any way that violates any applicable federal, state, local, or international law or regulation
- To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service
- To impersonate or attempt to impersonate buildyour.credit, a buildyour.credit employee, or any other person or entity
4. Intellectual Property
4.1 Ownership
The Service and its original content, features, and functionality are owned by buildyour.credit and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
4.2 License
Subject to these Terms, buildyour.credit grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your personal, non-commercial use.
5. Disclaimer of Warranties
5.1 No Legal Advice
The Service provides general information about credit-related matters and does not constitute legal advice. No attorney-client relationship is created through your use of the Service.
5.2 "As Is" Basis
The Service is provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
6. Limitation of Liability
In no event shall buildyour.credit be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of or inability to access or use the Service
- Any conduct or content of any third party on the Service
- Any content obtained from the Service
- Unauthorized access, use, or alteration of your transmissions or content
7. Privacy Policy
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
8. Modifications to the Service and Terms
8.1 Service Modifications
buildyour.credit reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice.
8.2 Terms Modifications
buildyour.credit reserves the right to modify these Terms at any time. We will provide notice of any material changes by posting the new Terms on the Service. Your continued use of the Service after such modifications will constitute your acknowledgment and agreement to the modified Terms.
9. Termination
buildyour.credit may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
10. 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.
11. Contact Information
If you have any questions about these Terms, please contact us through our website.
12. Effective Date
These Terms of Service are effective as of May 4, 2025.