Educate and Restore Credit, LLC

Effective Date: [Insert Date]
Last Updated: [Insert Date]

By accessing or using our website at www.EducateAndRestoreCredit.com or any of our services, you agree to be bound by these Terms & Conditions and all applicable laws. If you do not agree to these terms, please do not use our website or services.

Important: These terms may change at any time. We will post updates on this page, and your continued use constitutes acceptance of any changes.

Service Availability

• Our credit education and restoration services may not be available in all states
• Services are currently not available in South Carolina
• Please contact us at [email protected] to confirm availability in your state

Age Requirements

• You must be 18 years or older to use our services
• Our website is not intended for minors under 18

Account Access

• Some services require account creation and verification
• We reserve the right to limit, modify, or terminate accounts at our discretion
• You are responsible for maintaining the confidentiality of your account credentials

Credit Restoration Services

• All credit restoration services are governed by our separate Service Agreement
• You must review and accept the Service Agreement before services begin
• Pricing is listed in U.S. Dollars and subject to change with notice

Billing & Cancellation

• Services are billed according to your chosen plan
• Cancellations take effect at the end of your current billing cycle
• No prorated refunds are provided for partial billing periods
• See our Money-Back Guarantee policy for refund eligibility requirements

Service Descriptions

• We strive for accuracy in all service descriptions
• We do not guarantee that descriptions are complete, current, or error-free
• If services don't match descriptions, your remedy is cancellation per the Service Agreement

Information Collection

• We collect and use your information as described in our Privacy Policy
• By using our services, you consent to our data practices
• We may share your information with authorized third-party providers

Communications

• You consent to receive emails about services, updates, and promotional offers
• You can opt out of marketing communications at any time
• We may contact you regarding your account or services regardless of communication preferences

Our Content

• All website content (logos, text, images, designs, graphics) is owned by Educate and Restore Credit or our licensors
• Content is protected by copyright, trademark, and other intellectual property laws
• You may view and print content for personal, non-commercial use only

Your Content

• You retain ownership of content you upload or submit
• You grant us a non-exclusive license to use your content for business purposes
• You represent that your content doesn't infringe any third-party rights
• We may remove any content at our discretion

Trademarks

• Our trademarks, service marks, and logos are proprietary
• You may not use our intellectual property without written permission
• Unauthorized use may result in legal action

Acceptable Use

You agree NOT to use our website or services to:

• Engage in illegal or fraudulent activities
• Upload malicious software or harmful code
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Harass, threaten, or harm others
• Impersonate any