Terms of Service

Credit Optimize – Terms of Service

Effective Date: [04/26/26]

By accessing or using Credit Optimize, you agree to these Terms.

This website, creditoptimizehub.com, is operated by Calm Consultancy Group LLC under the trade name “Credit Optimize.”

1. Nature of the Service

Credit Optimize is an educational analysis platform designed to help users understand factors that may influence their credit profile.

We do not:

  • repair credit

  • remove negative items

  • contact creditors or credit bureaus

  • guarantee any specific outcomes or score changes

2. No Financial or Legal Advice

All content, outputs, and recommendations are for informational and educational purposes only.

Nothing provided should be considered financial, legal, or credit advice. You are responsible for any decisions you make based on this information.

3. User Responsibility

You agree that:

  • Information you provide is accurate to the best of your knowledge

  • You will use the platform for personal, lawful purposes

  • You understand results are based on your inputs and general credit behavior patterns

4. Payments & Refunds

The $17 diagnostic is a digital product delivered immediately.

Due to the nature of digital access, all sales are final unless otherwise required by law.

5. No Guarantees

Credit scores and lender decisions are influenced by multiple factors outside our control.

We do not guarantee:

  • score increases

  • approvals

  • removal of negative items

6. Limitation of Liability

Credit Optimize is not liable for:

  • financial decisions made by users

  • credit outcomes

  • lender actions or reporting behavior

Use of this platform is at your own risk.

7. Intellectual Property

All content, structure, logic, and analysis provided by Credit Optimize is proprietary and may not be copied, reproduced, or distributed.

8. Contact

For support, contact:
support@creditoptimizehub.com