Terms of service
Terms of Service – Credit Optimize
Effective Date: [Insert Date]
By using Credit Optimize, you agree to these Terms.
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 provide credit repair services. We do not contact creditors or credit bureaus, and we do not remove or alter information on any credit report.
2. No Financial or Legal Advice
All information, outputs, and recommendations are provided for educational purposes only.
Nothing on this platform should be considered financial, legal, or credit advice. You are responsible for any decisions you make.
3. No Guarantees
Credit scores and lender decisions depend on many external factors.
We do not guarantee:
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score increases
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credit approvals
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removal of negative items
4. User Responsibility
You agree that:
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the information you provide is accurate to the best of your knowledge
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you will use the platform for lawful purposes
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you understand results are based on your inputs and general credit behavior patterns
5. Payments & Refunds
The $17 diagnostic is a digital product delivered immediately upon purchase.
All sales are final unless otherwise required by law.
6. Limitation of Liability
Credit Optimize is not responsible for:
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financial decisions made by users
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credit outcomes
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lender or bureau actions
Use of this platform is at your own risk.
7. Intellectual Property
All content, logic, and materials provided are proprietary and may not be copied, reproduced, or distributed.