Terms of Service

Last Updated: June 1, 2026

These Terms of Service (“Terms”) govern your access to and use of the Connect Credit website and the credit repair, credit coaching, and financial literacy services we provide. By using our website, requesting a consultation, or signing a service agreement with us, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. Acceptance of Terms

By accessing, browsing, or using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are entering into these Terms on behalf of a business or other legal entity, you represent that you have the authority to bind that entity. These Terms constitute a legally binding agreement between you and Connect Credit. We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of our services after any changes constitutes your acceptance of the revised Terms.

2. Description of Services

Connect Credit offers credit repair services, including but not limited to credit report analysis, dispute letter drafting and submission, credit coaching, financial literacy education, and credit monitoring guidance. Our services are performed on a subscription or one-time fee basis as described in your service agreement.

We work on your behalf to challenge inaccurate, incomplete, unverifiable, or outdated information on your credit reports. We also provide educational resources and one-on-one coaching to help you understand credit scoring, build positive credit habits, and make informed financial decisions. The specific scope, duration, and fees for your services will be detailed in a separate written service agreement signed by both parties.

3. User Responsibilities

As a user of our services, you agree to:

Provide accurate, complete, and current information during the consultation, onboarding, and throughout the duration of our engagement.
Promptly review all correspondence from us, including dispute results, account updates, and service communications.
Notify us within 15 days of any changes to your contact information, credit profile, or financial circumstances that may affect our services.
Cooperate with our team by responding to requests for documentation, signatures, or additional information in a timely manner.
Refrain from submitting disputes directly to credit bureaus that duplicate disputes we are actively handling on your behalf, unless instructed otherwise.
Pay all fees and charges in accordance with your service agreement and these Terms.

4. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

Providing false, misleading, or fraudulent information in connection with our services or your credit disputes.
Using our services for any illegal purpose or in violation of any applicable federal, state, or local law, including the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).
Attempting to access, modify, or interfere with our systems, databases, or website in an unauthorized manner.
Reselling, redistributing, or sublicensing our services or any materials provided to you without our express written consent.
Harassing, threatening, or abusing our employees, contractors, or other clients.
Making any statement that is untrue or misleading with respect to your credit worthiness, credit standing, or credit capacity to any consumer reporting agency, creditor, or other person.

5. No Legal or Financial Advice Disclaimer

Connect Credit is not a law firm, a certified public accounting firm, or a licensed financial advisory firm. Our services do not constitute legal advice, financial planning advice, or tax advice. We do not represent you in any legal proceeding, bankruptcy proceeding, or litigation.

We are a credit repair organization as defined by the Credit Repair Organizations Act (15 U.S.C. §1679a). Our services are limited to credit report analysis, dispute assistance, credit education, and credit coaching. Any information or guidance provided by our team is for educational and informational purposes only and should not be relied upon as a substitute for professional legal or financial advice.

We strongly encourage you to consult with a licensed attorney, certified public accountant, or qualified financial advisor for advice specific to your legal or financial situation. Your use of our services acknowledges that you understand and accept this limitation.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Connect Credit and its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to:

Any failure to achieve a specific credit score, credit report outcome, or financial result.
Any delay or failure by credit bureaus, creditors, or other third parties to respond to or process disputes.
Any unauthorized access to or use of our secure servers or any personal information stored therein.
Any interruption or cessation of service, whether caused by us or by third-party service providers.

Our total liability to you for any claim arising out of these Terms or our services shall not exceed the total fees you have paid to us during the twelve (12) months immediately preceding the event giving rise to the claim. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you.

7. Payment & Billing

Fees for our services are described in your service agreement. Payment terms are as follows:

Subscription Plans: Monthly fees are billed in advance on the same day each month and are automatically charged to the payment method you provide.
One-Time Fees: One-time fees for specific services (e.g., initial credit report analysis) are due at the time of service and charged upon your authorization.
Payment Methods: We accept major credit cards, debit cards, and electronic checks (ACH). You authorize us to charge your selected payment method for all applicable fees.
Late Payments: If a payment is not successfully processed within 10 days of the due date, we may suspend or terminate services until payment is received. A late fee of $25 or the maximum amount allowed by law may be applied.
Refunds: Refund policies are governed by your service agreement and applicable law. In accordance with the CROA, you have the right to cancel your contract within three (3) business days of signing without penalty or obligation.

8. Cancellation Policy

You have the right to cancel your contract with Connect Credit at any time. Cancellation policies are as follows:

Right of Rescission (3-Day Cooling-Off Period): Under the Credit Repair Organizations Act, you may cancel your contract for any reason within three (3) business days from the date you signed it, without any penalty or obligation. To cancel during this period, send a signed and dated written notice to the address below, or use the cancellation form provided with your contract.
After the Cooling-Off Period: You may cancel at any time after the three-business-day period by providing written notice to us. Upon cancellation, we will stop performing services and you will not be charged for future billing cycles. You remain responsible for any fees incurred prior to cancellation.
Services Performed After Cancellation: To the extent permitted by law, our obligation to provide services ceases upon cancellation. Any disputes or correspondence already in process will be completed to the extent reasonably practicable.
Cancellation by Connect Credit: We reserve the right to cancel your contract for breach of these Terms, including non-payment, fraudulent activity, or failure to cooperate. In such cases, we will provide written notice and a pro-rata refund of any prepaid but unearned fees, if required by applicable law.

9. Governing Law

These Terms and any disputes arising out of or relating to them, including your use of our website or services, shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Hillsborough County, Florida, and you hereby consent to the personal jurisdiction and venue of such courts.

Notwithstanding the foregoing, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

10. Contact Information

If you have any questions, concerns, or requests regarding these Terms, or if you wish to provide notice of cancellation or other formal correspondence, please contact us:

Connect Credit
Attn: Legal Department
123 Main Street, Suite 400
Houston, TX 77002
(800) 555-1234
legal@credit-restoration.org