Terms & Conditions

These Terms & Conditions (“Terms”) form a binding agreement between you (“you,” “member,” or “user”) and Credit Club(“Credit Club,” “we,” “us,” or “our”). They govern your access to and use of thecreditclub.app, our member portal, our software applications, our browser extension and assistants, our document-preparation tools, and our optional document mailing service (collectively, the “Service”). By creating an account, purchasing a membership or package, uploading content, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old, a resident of the United States, and legally able to enter into these Terms. You agree to provide accurate, current, and complete information and to keep your account information up to date. You are responsible for all activity under your account and for keeping your credentials confidential.

2. Membership and Access

The Service is provided to active members in good standing. Access is a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use as a member. Memberships and access are personal to you; you may not share credentials or resell access. We may modify, suspend, discontinue, or add features at any time.

3. What the Service Is (and Is Not)

• SaaS tools. Software for organizing member-provided records, drafting documents, generating letters and packages, and tracking your own case.
• AI-assisted drafting. AI, OCR, and automation help you prepare drafts from documents you upload. Drafts are starting points, not finished work product.
• Optional mailing service. When you authorize us in writing (including through the Service), we print, package, and mail materials you have reviewed and approved, on your behalf, as your agent for that limited purpose only.
• Not legal or financial advice. Nothing produced by the Service is legal, financial, credit, tax, or accounting advice. Consult a licensed professional for advice about your situation.
• Not a credit repair service. Credit Club does not remove, dispute, or contest items on your behalf, does not act as your representative to any credit bureau, creditor, collector, or government agency, and does not advertise or promise credit repair, credit-score improvement, or funding outcomes.

4. Member Responsibility for Content and Truthfulness

You are solely responsible for all information, documents, statements, and materials you upload, generate, approve, sign, or send using the Service (“Your Content”). You represent and warrant that Your Content is truthful, accurate, lawfully obtained, and yours to submit. You may not use the Service to make false statements, fabricate claims, alter your identification to conceal information, or submit content you know or should know to be untrue. Filing false statements with a government agency or consumer reporting agency may be a crime. We may refuse, remove, pause, or terminate any account or submission that we in our sole discretion believe violates these Terms or applicable law.

5. AI Output and Required Review

Automated outputs — extracted fields, matches, drafts, summaries, and letters — may be incomplete, incorrect, or unsuitable for a particular use. You must review every output carefully before you approve, sign, download, print, or authorize mailing. Credit Club is not responsible for any consequence arising from Your Content or from AI outputs you choose to use. You bear all risk of using AI-generated material.

6. Sensitive Documents and Authorizations

• Social Security card: by default we extract only the last four digits. Your full SSN card image is only attached to a mailed package if you separately and explicitly authorize that attachment for that specific package.
• Government-ID signature: we only extract a signature from a government-issued ID with your explicit authorization. The signature region is cropped first, and only the cropped image is sent to background-removal processing. Any resulting signature may be placed on a document only after you review and approve it.
• Mailing authorization: when you authorize us to mail a package, you authorize us, as your limited agent, to print, package, and dispatch materials you have approved. You remain the sender and author of any document mailed on your behalf.
• Withdrawing authorization affects future actions only and does not reverse actions already taken.

7. Fees, Billing, Renewals, and Limited 110% Service-Delivery Refund

• Fees. Membership fees, package fees, mailing fees, add-ons, and any other charges are stated at checkout or in the Service. You authorize us and our payment processor to charge your selected payment method for all applicable fees, taxes, and surcharges.
• Recurring billing. Memberships and subscriptions renew automatically on their stated cycle until cancelled. You may cancel future renewals at any time from your account; cancellation takes effect at the end of the current paid term.
• General no-refund rule. Except for the narrow service-delivery promise below or where required by law, all fees are non-refundable. Cancelling a subscription stops future charges but does not create a refund or prorated credit for a prior charge.
• 110% service-delivery refund for qualifying plans. If the plan purchased expressly includes both AI-assisted letter generation and document mailing, and we do not generate and mail the included letter within ninety (90) days after you have supplied all required, accurate, legible, and usable documents and information, we will refund 110% of the amount you paid for that qualifying plan. This is the sole contractual refund exception.
• Your 30-day readiness obligation. This promise applies only if, in good faith, you upload and make ready every required document and all information needed to generate and mail the letter within thirty (30) days after purchase. Delays caused by missing, inaccurate, illegible, incomplete, expired, or unusable materials do not count toward our 90-day service period until the file is complete and ready.
• What is and is not guaranteed. The qualifying service is limited to generating the included letter and mailing the included documents. We do not guarantee delivery time by a carrier, recipient action, account deletion, score improvement, approval, funding, or any other outcome. Dissatisfaction with an outcome does not qualify for a refund once the included generation and mailing services are rendered.
• Plans without generation and mailing. Education, software-only, consulting-only, subscription, research, readiness, and other plans or add-ons that do not expressly include both letter generation and mailing are non-refundable, except where required by law.
• Failed payments. We may suspend or terminate access if a charge is declined, reversed, refunded outside of these Terms, or disputed.
• Chargebacks. You agree to contact us first to resolve any billing concern. Initiating a chargeback in violation of these Terms is a material breach and may result in immediate termination and collection of amounts owed, including costs and fees permitted by law.
• Taxes. You are responsible for any applicable sales, use, or other taxes on your purchases.

8. No Guarantees; No Warranties About Results

Credit Club makes no representations, warranties, or guarantees of any kind about any result. This includes, without limitation, no guarantee that any document will be accepted, actioned, or answered by any recipient; no guarantee of any change to any credit report, credit score, or funding decision; no guarantee of delivery time by any carrier; and no guarantee that the Service will meet your expectations. Any statement to the contrary by any person is not authorized and is not binding on Credit Club.

9. Acceptable Use

You agree not to:

• Upload content that is not yours or that you are not authorized to use.
• Misrepresent your identity, residency, or the facts of your case.
• Use the Service to make false, fraudulent, or unlawful statements or filings.
• Attempt to access another member’s account or content, bypass role-based access controls, or tamper with audit logs.
• Reverse engineer, decompile, scrape, mirror, or interfere with the Service, or attempt to derive source code.
• Use the Service to build a competing product or resell access.
• Introduce malware, probes, or automated tools that burden the Service.
• Use the Service in violation of any law, regulation, or third-party right.

10. Intellectual Property

The Service, including all software, models, templates, letter formats, workflows, interfaces, documentation, branding, and content provided by Credit Club, is owned by Credit Cluband its licensors and is protected by intellectual-property law. We grant you a limited, revocable license to use outputs prepared from Your Content for your own personal, non-commercial use consistent with these Terms. All rights not expressly granted are reserved.

You retain ownership of Your Content. You grant Credit Club a worldwide, royalty-free, sublicensable license to host, store, process, transmit, display, reproduce, and modify Your Content solely to provide, secure, and improve the Service, and to create de-identified or aggregated data that does not identify you.

11. Third Parties and Government Forms

The Service is not affiliated with, endorsed by, or sponsored by any credit bureau, creditor, collector, or government agency. Third-party websites, forms, carriers, and processes are governed by their own terms. Credit Club is not responsible for the acts or omissions of any third party, including any mail carrier, recipient, or reviewer of a document you send.

12. Feedback

If you provide suggestions, ideas, or feedback, you grant Credit Club a perpetual, worldwide, royalty-free, irrevocable license to use them for any purpose without obligation to you.

12A. Marketing Consent and Contact Authorization

When you create an account you must affirmatively consent to be contacted. By checking that box you authorize Credit Club, its employees, sales agents, affiliates, service providers, and marketing partners to contact you at the phone number, email address, and mailing address you provide — including by live agent, autodialer, prerecorded or artificial voice, text/SMS, email, and direct mail — for onboarding, account servicing, support, sales, promotional, and marketing purposes. Consent is not a condition of purchasing any goods or services other than joining the platform. Message and data rates may apply. You may withdraw marketing consent at any time by replying STOP to a text, using the unsubscribe link in an email, or contacting us; we may still send transactional and account messages required to operate your account.

12B. Coupon Codes, Referrals, and Sales Agents

Coupon codes are optional promotional discounts issued by Credit Club, may be attributed to a referral, affiliate, or content partner, and are void where prohibited. We may set, change, limit, suspend, or revoke any code, discount amount, expiration, or redemption limit at any time. Codes have no cash value, cannot be combined unless we say so, are not retroactive to completed purchases, and may not be resold. Selecting a sales agent or entering a coupon code is never required to purchase, and any referral or commission arrangement is solely between Credit Club and that partner.

12C. Data License; Marketing Data and Lead Sharing

To the fullest extent permitted by law, you grant Credit Club a perpetual, irrevocable, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, host, process, analyze, aggregate, de-identify, create derivative works from, disclose, transfer, license, sell, and otherwise commercialize (a) your marketing and contact information, including name, email address, phone number, mailing address, general location, product interest, referral or coupon source, and online identifiers, cookie, device, advertising, and usage data, and (b) de-identified or aggregated data derived from your use of the Service. This includes disclosing or selling such information to advertising and analytics platforms, media and marketing partners, affiliates, referral partners, sales agents, lead buyers, lenders and financial-services marketers, resellers, data aggregators, and successors in any merger, financing, or sale of assets, for their own commercial and marketing purposes.

13. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE, ALL CONTENT, AND ALL OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. Credit Club DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. Credit Club DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. YOU USE THE SERVICE AT YOUR OWN RISK.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, Credit Club AND ITS OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, GOODWILL, DATA, BUSINESS OPPORTUNITY, CREDIT, FUNDING, OR SAVINGS, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. Credit Club’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID Credit Club IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US$100). THESE LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

15. Indemnification

You agree to defend, indemnify, and hold harmless Credit Club and its officers, employees, contractors, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) Your Content, (b) your use of the Service, (c) your breach of these Terms, (d) your violation of any law or third-party right, or (e) any document you approved, signed, mailed, or authorized to be mailed.

16. Termination

You may close your account at any time. We may suspend or terminate your access at any time, with or without notice, if we believe you have violated these Terms, misused the Service, initiated a chargeback in violation of these Terms, or created a legal, security, or operational risk. Upon termination, your license to use the Service ends immediately. Sections that by their nature should survive termination will survive, including sections on fees, ownership, disclaimers, limitation of liability, indemnification, and dispute resolution. Termination does not entitle you to any refund.

17. Governing Law; Venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Except for claims subject to arbitration under Section 18, any action arising out of or relating to these Terms or the Service must be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.

18. Arbitration; Class-Action Waiver

Please read this section carefully. It affects your legal rights. Except for claims for injunctive relief to protect intellectual-property rights or to enforce Sections 9, 10, or 14, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by a nationally recognized arbitration provider under its consumer rules. You and Credit Club each waive the right to a jury trial and to participate in a class, collective, or representative action. The arbitrator, and not any court, has exclusive authority to resolve any dispute over the interpretation, applicability, enforceability, or formation of this arbitration agreement.

19. Changes to the Service or Terms

We may modify these Terms or the Service at any time. Changes take effect when posted. Your continued use of the Service after changes take effect constitutes your acceptance of the updated Terms. If you do not agree to a change, your only remedy is to stop using the Service.

20. Communications; Electronic Records

You consent to receive communications from us electronically, including by email, SMS, and in-Service notices, and you agree that electronic communications satisfy any legal requirement that a communication be in writing.

21. Miscellaneous

• These Terms and the Privacy Policy are the entire agreement between you and Credit Club regarding the Service and supersede all prior agreements.
• If any provision is found unenforceable, the remaining provisions remain in full effect.
• Our failure to enforce a provision is not a waiver of our right to do so later.
• You may not assign these Terms; we may assign them without restriction.
• Headings are for convenience only and do not affect interpretation.

22. Contact

See also our Privacy Policy.