Terms of Service

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. These Terms of Service (these “Terms”) form a binding legal agreement between you (“you” or “User”) and Credit Refresh LLC, a Delaware limited liability company, operator of the CreditRefresh.ai platform (“CreditRefresh,” “we,” “us,” or “our”), governing your access to and use of the CreditRefresh website, applications, and related services (collectively, the “Platform”). Section 16 contains a binding arbitration agreement, a class action waiver, and a jury trial waiver that affect how disputes between you and CreditRefresh are resolved. Please review Section 16 carefully and note your right to opt out within thirty (30) days of first accepting these Terms.

1. Acceptance of Terms

By creating an account, accessing the Platform, or using any feature of the Platform, you confirm that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms in full, you must not access or use the Platform.

These Terms may be presented to you electronically. Your electronic acceptance, your account creation, or your continued use of the Platform constitutes your acceptance of these Terms and any updates to them in accordance with Section 18 (Modifications to Service or Terms).

If you are accepting these Terms on behalf of another person, you represent and warrant that you have the legal authority to bind that person, and references to “you” include that person. CreditRefresh does not authorize use of the Platform by entities; the Platform is intended solely for individual consumer use by the natural person whose credit information is at issue.

2. Eligibility

To use the Platform, you must:

• Be a natural person who is at least eighteen (18) years of age;
• Be a resident of the United States;
• Have the legal capacity to enter into a binding contract under applicable law; and
• Provide accurate, current, and complete identity, contact, and verification information at registration and as we may reasonably request thereafter.

You agree that the credit report and other identity information you submit, authorize the Platform to obtain, or address through the Platform pertains to you and not to another person. You may not use the Platform to access, monitor, dispute, or otherwise act with respect to the credit information of any other person.

CreditRefresh reserves the right, in its sole discretion, to refuse, suspend, or terminate access to the Platform by any person who fails to meet these eligibility requirements or who provides information that we believe to be inaccurate, false, or fraudulent.

3. Description of Service

3.1 What the Platform Is

CreditRefresh is a do-it-yourself (“DIY”) software platform that provides tools, educational resources, and informational content to help you manage your own credit. The Platform is software; it is not a credit repair organization acting on your behalf, a law firm, a financial advisor, a debt collector, a credit reporting agency, or a furnisher of information to a credit reporting agency.

3.2 Core Features

Subject to your eligibility and account status, the Platform provides software-based tools and features that may include:

• Credit report retrieval. With your authorization, the Platform retrieves credit reports from Equifax, Experian, and TransUnion through our partners.
• AI-based analysis. The Platform applies artificial intelligence and rules-based software to scan retrieved credit reports for potential inaccuracies and potential violations of the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (the “FCRA”).
• Dispute letter drafting. Based on the AI analysis and the items you select, the Platform generates customized draft dispute letters addressed to the relevant credit reporting agencies.
• User review and authorization. The Platform presents each draft letter to you for your review. No letter is sent to any credit reporting agency unless and until you review that specific letter and expressly authorize it for sending through the Platform interface.
• Sending and tracking. After your authorization, the Platform facilitates transmission of the authorized letter to the relevant credit reporting agency through our partners and tracks responses received in connection with the dispute.
• Educational content. The Platform provides general educational content about consumer credit, credit reporting, and federal consumer credit laws. This content is informational only and is not legal, financial, tax, or investment advice.

Specific features available to you may vary based on your account status, your eligibility, the configuration of the Platform from time to time, and applicable law. CreditRefresh may add, change, or remove features without notice, subject to Section 18.

3.3 The User Is the Decision-Maker

The Platform provides tools; you are the decision-maker. You select which items, if any, to dispute or otherwise address. You review each draft letter the Platform generates. You decide whether to authorize each letter for sending. CreditRefresh does not act as your agent, representative, attorney-in-fact, or legal representative, and CreditRefresh does not exercise discretion on your behalf in deciding what to dispute or how to characterize disputed items. The content of any letter sent through the Platform reflects information you provided or items you selected and authorized.

3.4 No Guarantee of Outcome

Credit scoring, credit report content, and dispute outcomes are determined by third parties, including the three credit reporting agencies, furnishers of information, and other entities outside of CreditRefresh’s control. CreditRefresh does not promise, guarantee, or warrant any particular outcome, including any specific change in credit score, any specific removal, modification, or update of any credit report item, any specific timeline, any specific approval for credit, or any specific financial result. Any results experienced by other users are not predictive of your results.

4. Account Registration and Security

4.1 Your Account

To access the Platform, you must register for an account by providing the information requested at registration. Your account is personal to you and may not be transferred, assigned, or used by any other person. These Terms apply to your account and to all activity conducted through it.

4.2 Accurate Information

You agree to provide information that is accurate, current, and complete at registration and to update that information promptly when it changes. You are solely responsible for the accuracy of information you submit to the Platform or authorize the Platform to use, including identity and verification information used to authenticate you with the credit reporting agencies through our partners.

4.3 Credentials and Account Security

You are responsible for safeguarding the username, password, and any authentication factors associated with your CreditRefresh account. You must not share your credentials with any other person, and you must not permit any other person to access or use the Platform through your account. You agree to notify us promptly at legal@creditrefresh.ai of any unauthorized use of, or any actual or suspected security breach involving, your account.

4.4 Liability for Account Activity

You are responsible for all activity that occurs under your CreditRefresh account, whether or not you authorized that activity, except to the extent prohibited by applicable law. CreditRefresh is not liable for any loss or damage arising from your failure to comply with this Section 4.

5. DIY Tool Disclosure and User Authorization

5.1 You Authorize Each Letter

The Platform does not send a dispute letter to any credit reporting agency unless and until you review the specific draft letter the Platform generates and expressly authorize that specific letter for sending through the Platform interface. By authorizing a letter for sending, you confirm that you have read the draft, that the content reflects information you believe to be accurate and not misleading, and that you intend for that letter to be transmitted on your behalf as your own communication to the credit reporting agency.

5.2 The Letter Is Your Communication

Each authorized letter sent through the Platform is your communication to the recipient credit reporting agency. You are responsible for the content of each letter you authorize, including the accuracy of any statement of fact, the characterization of any disputed item, and any supporting information you submit through the Platform or authorize the Platform to include.

5.3 CreditRefresh Is Not Your Agent

CreditRefresh provides software, tools, and educational resources. CreditRefresh does not act as your agent, representative, attorney-in-fact, fiduciary, or legal counsel, and no statement on the Platform or in these Terms creates any such relationship. CreditRefresh does not exercise independent discretion to dispute items on your behalf or to characterize items on your credit report.

5.4 No Attorney-Client Relationship

Use of the Platform does not create an attorney-client relationship between you and CreditRefresh, its personnel, or any third party. CreditRefresh is not a law firm and does not provide legal services. If you want legal advice about your credit, your credit reports, or any dispute, you should consult a licensed attorney in your jurisdiction.

6. Prohibited Uses

You agree that you will not, and will not attempt to, do any of the following in connection with the Platform:

• Dispute, challenge, or address through the Platform any item that you know, or reasonably should know, to be accurate, current, complete, and verifiable;
• Submit, authorize, or cause the Platform to send any letter or communication that contains a statement that you know, or reasonably should know, to be false, misleading, incomplete, or fraudulent;
• Use the Platform to commit, facilitate, or further any unlawful act, including identity theft, fraud, money laundering, or any violation of the FCRA, the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq. (“CROA”), or any other federal, state, or local law;
• Access or use the Platform with respect to credit information of any person other than you, or to impersonate any person or misrepresent your identity or affiliation with any person or entity;
• Share your account credentials with any other person or allow any other person to access or use your account;
• Resell, sublicense, rent, lease, or otherwise commercially exploit the Platform, the AI features, or any output generated by the Platform;
• Scrape, crawl, harvest, mirror, or otherwise extract data, content, or output from the Platform other than through features made available for that purpose;
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code, models, training data, prompts, or proprietary techniques from the Platform, except to the extent this restriction is prohibited by applicable law;
• Circumvent, disable, or interfere with any usage limit, rate limit, security feature, authentication mechanism, or other technical or contractual protection associated with the Platform;
• Use the Platform in a manner that could damage, overburden, impair, or disrupt the Platform, the systems of any credit reporting agency, the systems of any payment processor, or the systems of any other third party;
• Introduce any virus, malware, worm, ransomware, or other malicious code into the Platform; or
• Use the Platform in any manner not expressly authorized by these Terms.

CreditRefresh may, in its sole discretion, suspend or terminate your access to the Platform for any actual or suspected violation of this Section 6, and may report unlawful conduct to law enforcement or applicable regulators.

7. AI and Software Disclosures

7.1 AI Output Is Not Guaranteed

The Platform uses artificial intelligence, machine learning, and rules-based software to analyze credit reports and to draft dispute letters. AI output is probabilistic and may contain errors, omissions, mischaracterizations, or outdated references. The Platform may misclassify, mislabel, or overlook items on your credit report, may misidentify or fail to identify potential FCRA violations, and may draft language that you do not wish to send.

7.2 Your Review Is Required

You acknowledge and agree that you are responsible for reviewing each draft letter before authorizing it for sending, for verifying the accuracy of the factual statements in each draft, and for confirming that each draft reflects your intended communication to the recipient credit reporting agency. CreditRefresh does not represent or warrant that any AI output is accurate, complete, current, suitable for your particular situation, or compliant with any specific legal standard.

7.3 Educational Content Is Not Personalized Advice

Any educational content, sample language, frequently asked questions, in-Platform explanations, or similar materials are general information only. They are not legal advice, financial advice, tax advice, or any other form of personalized professional advice, and they do not take into account your individual circumstances.

7.4 Software Availability

The Platform may experience downtime, delays, errors, or interruptions, including those caused by maintenance, updates, network conditions, third-party services, or events beyond CreditRefresh’s control. CreditRefresh does not represent or warrant that the Platform will be uninterrupted, error-free, secure, or free of harmful components, except as expressly required by applicable law.

8. No Legal or Financial Advice

CreditRefresh does not provide legal advice, financial advice, tax advice, investment advice, debt counseling, credit counseling within the meaning of any state credit-counseling statute, or any other form of personalized professional advice. Nothing on the Platform, in any communication from CreditRefresh, or in these Terms is intended to be, or should be relied upon as, legal, financial, tax, or investment advice.

For advice specific to your circumstances, you should consult a licensed attorney, a licensed financial advisor, a certified public accountant, or another qualified professional in your jurisdiction. Your use of the Platform does not create any professional relationship between you and CreditRefresh.

9. Third-Party Services

The Platform integrates with and relies on services provided by third parties, including without limitation:

• Equifax Information Services, LLC, Experian Information Solutions, Inc., and TransUnion LLC, which are the credit reporting agencies whose reports the Platform retrieves, and to which the Platform transmits authorized dispute letters, in each case through our partners;
• Hosting, identity verification, communications, and analytics providers; and
• Other vendors, subprocessors, and integration partners that may be used to operate the Platform.

These third parties are independent of CreditRefresh. CreditRefresh does not control their systems, data, accuracy, availability, terms of service, or privacy practices, and CreditRefresh is not responsible for any act or omission of any third party, except as required by applicable law. Use of certain third-party services through the Platform may be subject to the third party’s own terms and privacy policy.

If a third-party service that the Platform relies upon becomes unavailable, modifies its functionality, or changes its terms, CreditRefresh may modify, suspend, or discontinue affected Platform features without liability to you, subject to your rights under Section 18 and applicable law.

10. Intellectual Property

10.1 CreditRefresh Property

The Platform, including the software, source code, user interfaces, designs, graphics, text, models, prompts, workflows, dispute letter templates, educational content, trademarks, service marks, logos, and trade dress, and all intellectual property rights in and to any of the foregoing, are and will remain the sole and exclusive property of CreditRefresh and its licensors. Except for the limited license expressly granted in Section 10.2, no right, title, or interest in or to the Platform is transferred to you.

10.2 Limited User License

Subject to your compliance with these Terms, CreditRefresh grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform solely for your own personal, non-commercial purpose of managing your own credit information. This license terminates automatically upon any termination of your account, and upon any breach of these Terms.

10.3 User-Submitted Content and Inputs

You retain ownership of the content you submit to the Platform, including any identity information, dispute selections, instructions, attached documents, and approved letter content (collectively, “User Content”). You grant CreditRefresh a worldwide, royalty-free, non-exclusive, sublicensable license to host, store, reproduce, transmit, display, modify, and process User Content, and to incorporate User Content into Platform outputs, for the purpose of operating, providing, maintaining, securing, and improving the Platform and the AI features, performing the obligations described in these Terms, complying with applicable law, and developing aggregated or de-identified information that does not identify you.

10.4 Feedback

If you provide feedback, suggestions, or ideas about the Platform (“Feedback”), you grant CreditRefresh a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable license to use the Feedback for any lawful purpose, including incorporating the Feedback into the Platform, without obligation to you.

10.5 Trademarks

“CreditRefresh,” the CreditRefresh logo, and other CreditRefresh marks, logos, and product names are trademarks or service marks of CreditRefresh. You may not use any CreditRefresh trademark without our prior written consent. All third-party trademarks referenced on the Platform are the property of their respective owners and do not imply endorsement.

11. User Data and Privacy

Your use of the Platform is subject to our Privacy Policy, which describes how CreditRefresh collects, uses, shares, retains, and protects information about you, including sensitive personal information such as identity verification data, credit report data, and financial account information. The Privacy Policy is incorporated into these Terms by reference. By accepting these Terms or using the Platform, you acknowledge that you have read and understood the Privacy Policy.

Because the Platform processes consumer report information obtained from the three credit reporting agencies through our partners, certain federal and state laws, including the FCRA and applicable state consumer privacy and financial information laws, apply to that information. You agree that CreditRefresh may collect, use, share, and retain consumer report information and other personal information as described in the Privacy Policy and as permitted by applicable law, including for the purposes set forth in Section 12.

12. Marketing, Offers, and Related Communications

12.1 Authorization to Use Your Information for Marketing

You authorize CreditRefresh to use information about you to communicate with you and to present you with offers, recommendations, advertisements, and information about credit products, financial products, insurance products, and other goods and services that CreditRefresh believes may be relevant or beneficial to you. The information CreditRefresh may use for these purposes includes information you provide to the Platform, information generated through your use of the Platform, and information the Platform retrieves on your behalf, including consumer report information obtained through our partners from the three credit reporting agencies.

12.2 Your Written Authorization Under the Fair Credit Reporting Act

To the extent the activities described in this Section 12 involve the use of consumer report information obtained on your behalf, your acceptance of these Terms constitutes your express written instructions to CreditRefresh, for purposes of the Fair Credit Reporting Act, 15 U.S.C. § 1681b(a)(2), to use, analyze, and process that consumer report information for the purpose of identifying, evaluating, and presenting to you offers for credit products, financial products, insurance products, and other goods and services, and for related marketing, advertising, and product-recommendation purposes. CreditRefresh will not furnish your consumer report information to any third party except as permitted by the Fair Credit Reporting Act and other applicable law.

12.3 Testimonials, Case Studies, and Marketing Materials

You authorize CreditRefresh to use de-identified, anonymized, and aggregated information about your use of the Platform — including general descriptions of dispute activity, the categories of items addressed, aggregate patterns, and similar information — for marketing, testimonials, case studies, advertising, training, demonstration, and other promotional purposes. CreditRefresh will not include information that personally identifies you, your specific account, or your specific credit score in any such material without your separate, prior written consent.

12.4 Your Opt-Out Rights

You may opt out of (a) receiving marketing communications from CreditRefresh by following the unsubscribe instructions in any marketing communication or by contacting legal@creditrefresh.ai; and (b) the testimonials and marketing uses described in Section 12.3 by contacting legal@creditrefresh.ai. Opting out applies to future uses and does not require CreditRefresh to recall, modify, or remove previously published marketing materials. Opting out of marketing does not terminate your account or limit other features of the Platform. Additional opt-out and consumer rights, including under the California Consumer Privacy Act and California Privacy Rights Act and other state privacy and financial-information laws, are described in the Privacy Policy.

12.5 Prescreened Offers

You have the right under the Fair Credit Reporting Act to opt out of prescreened offers of credit and insurance that are based on information in your consumer report. You may exercise that right by calling 1-888-5-OPT-OUT (1-888-567-8688) or by visiting www.optoutprescreen.com. This opt-out is administered by the credit reporting agencies and the Consumer Credit Reporting Industry.

12.6 Telephone and Text Message Communications

If you provide your telephone number to CreditRefresh, you may receive transactional, account-related, and security-related communications by telephone and text message. Marketing communications by telephone or text message are subject to your separate consent under the federal Telephone Consumer Protection Act, 47 U.S.C. § 227, and applicable state law, and your separate consent (or the absence of it) controls regardless of any general authorization in these Terms. Message and data rates may apply. You may opt out of marketing telephone calls or text messages at any time, including by replying STOP to a text message or following the opt-out instructions provided in the relevant communication.

13. Disclaimers and No Warranty

Without limiting the foregoing, CreditRefresh makes no representation or warranty that:

• Your credit score will increase, decrease, remain stable, or change in any particular way as a result of your use of the Platform;
• Any specific item on your credit report will be removed, modified, updated, or otherwise affected;
• Any dispute you authorize will succeed or be resolved within any particular timeframe;
• The credit reports retrieved by the Platform will be complete, accurate, or up-to-date;
• Any offer, advertisement, recommendation, or product presented under Section 12 will be available to you, suitable for you, or beneficial to you;
• The AI output will be accurate, complete, or suitable for your situation;
• The Platform will be uninterrupted, error-free, or secure; or
• Any educational content reflects the most current state of law or industry practice.

Credit scoring and credit report content are determined by third parties, including the credit reporting agencies, furnishers of information, and the operators of credit scoring models, all of which are outside of CreditRefresh’s control. Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the disclaimers above apply to the maximum extent permitted by law.

14. Limitation of Liability

The limitations in this Section 14 apply to the maximum extent permitted by applicable law and survive any termination of these Terms. Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, CreditRefresh’s liability is limited to the smallest extent permitted by law. Nothing in this Section 14 limits liability that cannot be limited by law, including, where applicable, liability for fraud, willful misconduct, or gross negligence.

15. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless CreditRefresh and its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, demands, suits, actions, proceedings, losses, liabilities, damages, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your access to or use of the Platform or any AI output;
• Any User Content you submit, authorize, or cause to be transmitted through the Platform, including the content of any dispute letter you authorize for sending;
• Your breach or alleged breach of these Terms, including any breach of Section 6 (Prohibited Uses);
• Your violation or alleged violation of any law, regulation, or third-party right;
• Any inaccurate, misleading, false, or fraudulent statement you submit through, or authorize the Platform to send on your behalf to, any credit reporting agency, furnisher, or other third party; and
• Any third-party claim that any User Content or your use of the Platform infringes, misappropriates, or violates the rights of any third party.

CreditRefresh reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with CreditRefresh’s defense of that matter. You may not settle any indemnified claim without CreditRefresh’s prior written consent.

16. Dispute Resolution — Binding Arbitration, Class Action Waiver, Jury Trial Waiver

16.1 Please Read This Section Carefully

16.2 Informal Resolution First

Before initiating arbitration, you and CreditRefresh agree to attempt in good faith to resolve any dispute informally for at least sixty (60) days. To start, send a written notice describing the dispute and the relief requested to legal@creditrefresh.ai, including your name, the email associated with your account, and a detailed description of the dispute. If the dispute is not resolved within sixty (60) days after receipt of the notice, either party may proceed to arbitration.

16.3 Agreement to Arbitrate

Except as set forth in Section 16.6 and Section 16.7, you and CreditRefresh agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, the AI features, any AI output, or the relationship between you and CreditRefresh, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, will be resolved exclusively by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures (or, at the parties’ mutual written election, by the American Arbitration Association under its Consumer Arbitration Rules). The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this Section 16.

16.4 Arbitration Procedure

The arbitration will be conducted by a single neutral arbitrator. Unless you and CreditRefresh otherwise agree, the arbitration will take place in New Castle County, Delaware, or, at your election if you are a U.S. consumer, in the county of your residence, or by videoconference or telephone. The arbitrator’s award will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. Each party will bear its own attorneys’ fees and costs, except where the applicable arbitration rules or applicable law provide otherwise.

16.5 Class Action Waiver and Jury Trial Waiver

If a court or arbitrator determines that the class action waiver in this Section 16.5 is unenforceable as to any claim or any request for relief, that specific claim or request for relief will be severed and adjudicated in a court of competent jurisdiction in accordance with Section 17, while the remainder of the disputes will continue to be arbitrated. If the class action waiver is held unenforceable as to all claims, then the entirety of this Section 16 will be null and void as to those claims.

16.6 Small Claims Carve-Out and Injunctive Relief

Either party may bring an individual action in small claims court for any qualifying claim that remains in that court and is not transferred to a court of general jurisdiction. Either party may also seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property rights, prevent unauthorized use of the Platform, or prevent the misuse of confidential information, pending arbitration of the underlying dispute.

16.7 Thirty-Day Right to Opt Out

You may opt out of this Section 16 by sending written notice of your decision to opt out to legal@creditrefresh.ai within thirty (30) days of the date you first accepted these Terms. Your notice must include your full name, the email associated with your account, and a clear statement that you wish to opt out of the arbitration agreement in these Terms. Opting out will not adversely affect any other aspect of your relationship with CreditRefresh.

16.8 Survival and Severability of This Section

This Section 16 survives termination of your account and termination of these Terms. If any provision of this Section 16 (other than the class action waiver) is held unenforceable, that provision will be severed and the remaining provisions of this Section 16 will continue in full force and effect.

17. Governing Law and Venue

These Terms and any dispute arising out of or relating to them or the Platform will be governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, and by applicable federal law of the United States. For any claim or dispute that is not subject to arbitration under Section 16, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in New Castle County, Delaware, and waive any objection to jurisdiction or venue in those courts on the basis of inconvenient forum or otherwise. This Section 17 does not deprive you of any protection of the mandatory laws of your state of residence to the extent those protections cannot be waived by contract.

18. Modifications to Service or Terms

18.1 Modifications to the Platform

CreditRefresh may, at any time and in its sole discretion, modify, add, remove, suspend, or discontinue any feature, component, or aspect of the Platform, including the AI features, with or without notice, subject to applicable law. CreditRefresh will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Platform, except where required by applicable law.

18.2 Modifications to These Terms

CreditRefresh may modify these Terms from time to time. When CreditRefresh makes a material change, CreditRefresh will provide reasonable advance notice by posting the revised Terms on the Platform, updating the “Last Updated” date, and, where appropriate, by sending notice to the email address associated with your account. Material changes take effect on the date stated in the notice, which will be at least the minimum period required by applicable law. Your continued access to or use of the Platform after the effective date of the revised Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, your sole and exclusive remedy is to stop using the Platform and close your account.

19. Termination

19.1 Termination by You

You may terminate your CreditRefresh account at any time by following the in-Platform account closure process or by contacting legal@creditrefresh.ai.

19.2 Termination by CreditRefresh

CreditRefresh may, in its sole discretion, suspend or terminate your access to the Platform or any portion thereof, with or without notice, if CreditRefresh has reason to believe that you have violated these Terms; that your use of the Platform poses a risk to CreditRefresh, other users, third parties, or applicable law; or that continued provision of services is impracticable for legal, regulatory, technical, or operational reasons.

19.3 Effect of Termination

Upon termination of your account for any reason: (a) the license granted to you in Section 10.2 terminates immediately; (b) CreditRefresh may delete or retain User Content and account data in accordance with the Privacy Policy and applicable law; and (c) any amounts owed to CreditRefresh at the time of termination remain payable. Termination does not entitle you to any refund except as required by applicable law or as expressly stated in these Terms.

19.4 Survival

Sections 5 (DIY Tool Disclosure and User Authorization), 6 (Prohibited Uses), 7 (AI and Software Disclosures), 8 (No Legal or Financial Advice), 10 (Intellectual Property), 12 (Marketing, Offers, and Related Communications), 13 (Disclaimers and No Warranty), 14 (Limitation of Liability), 15 (Indemnification), 16 (Dispute Resolution), 17 (Governing Law and Venue), 19 (Termination), 20 (Notices and Contact Information), and 21 (Miscellaneous), and any other provision that by its nature should survive, survive termination of these Terms.

20. Notices and Contact Information

Notices to you may be provided by email to the address associated with your account, by in-Platform notification, or by posting on the Platform. Notice is effective upon being sent or posted. You are responsible for keeping your email address current.

Notices to CreditRefresh, including any notice required under Section 16 (Dispute Resolution), must be sent by email to legal@creditrefresh.ai and, if also required by applicable law, by mail to:

21. Miscellaneous

21.1 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision will be enforced to the maximum extent permitted by law, or, if it cannot be so enforced, severed from these Terms, and the remaining provisions will remain in full force and effect, except as provided in Section 16.5.

21.2 No Waiver

CreditRefresh’s failure to enforce any right or provision of these Terms is not a waiver of that right or provision. No waiver is effective unless in writing and signed by an authorized representative of CreditRefresh.

21.3 Assignment

You may not assign, transfer, or delegate these Terms or any of your rights or obligations under them, by operation of law or otherwise, without CreditRefresh’s prior written consent. Any attempted assignment in violation of this Section 21.3 is void. CreditRefresh may assign these Terms in whole or in part, including in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law, without notice to you. These Terms are binding upon and inure to the benefit of the parties’ permitted successors and assigns.

21.4 Entire Agreement

These Terms, together with the Privacy Policy and any additional terms presented in connection with a specific feature of the Platform, constitute the entire agreement between you and CreditRefresh regarding the Platform, and supersede all prior or contemporaneous understandings, communications, and proposals on the subject matter.

21.5 Force Majeure

CreditRefresh is not liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, natural disasters, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, government action, labor disputes, internet or telecommunications failures, cyberattacks, or failures or interruptions of third-party services on which the Platform relies.

21.6 No Third-Party Beneficiaries

These Terms are for the benefit of you and CreditRefresh only and do not confer any rights on any third party, except that the disclaimers, limitations of liability, and indemnities in these Terms inure to the benefit of CreditRefresh’s affiliates, officers, directors, employees, agents, licensors, and suppliers.

21.7 Headings

Section headings are for convenience only and do not affect interpretation.

21.8 Interpretation

Words such as “include,” “including,” and “such as” are illustrative and not limiting. References to statutes are to those statutes as amended from time to time.

21.9 Electronic Communications and Records

You consent to receive communications from CreditRefresh in electronic form, including by email and in-Platform notification, and you agree that electronic agreements, notices, disclosures, and other communications satisfy any legal requirement that such communications be in writing. This consent does not limit any right you have under applicable law to receive any specific disclosure in non-electronic form.