Terms & Conditions

1. About Creditily

Creditily is an AI-powered financial platform that provides credit repair tools, educational resources, and access to financial services. We are located at 5001 California Ave Suite 219, Bakersfield, CA 93309.

What We Offer:

Credit Repair Services: Creditily offers both do-it-yourself credit repair software and done-for-you credit repair services. The type of service you receive depends on your subscription plan.

Financial Services Marketplace: Creditily connects you to a curated marketplace of financial products and services, including personal loans, credit cards, auto loans, student loan refinancing, banking services, business funding, insurance, and other financial tools. These services are provided by third-party partners, and Creditily may receive compensation when you use these services.

Affiliate Relationships:Creditily maintains affiliate partnerships with financial service providers. When you click on links to third-party financial products or services and complete transactions, we may earn a commission. Our recommendations are based on quality and relevance to our users' needs, and we only partner with reputable financial service providers.

2. Eligibility

You must be at least 18 years old to use Creditily. By using our platform, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these terms.

3. Account Registration

To use Creditily, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities under your account

YOU ACKNOWLEDGE AND AGREE THAT YOU WILL HAVE NO OWNERSHIP OR OTHER PROPERTY INTEREST IN ANY USER ACCOUNT THAT YOU CREATE IN CONNECTION WITH THE PRODUCTS.

You understand that if you or we terminate or delete your User Account, you will lose access to any data associated with your account. You may not be able to recover or access such data, even if you repurchase a subscription.

4. Subscription Plans and Payment

Creditily offers two subscription plans:

4.1 Creditily Pro (DIY Software) — $39.99/month

Important:The Creditily software platform is free. The $39.99 monthly fee is for SmartCredit's 3-bureau credit monitoring service, which is required to use Creditily. SmartCredit provides your credit reports, scores, and monitoring — Creditily provides the dispute tools and tracking software.

What's Included:

• Access to Creditily software platform
• Unlimited AI-powered dispute letter generation
• Real-time 3-bureau credit dashboard
• 40-day automatic report imports
• Multi-round strategy engine
• Complete video training library
• Email support

Your Responsibility: You generate, review, print, and mail all dispute letters yourself.

4.2 Creditily Premium (Software + Coaching) — $136.98/month

($39.99 for Creditily Pro software + $97.00 for Premium Coaching & Community)

Important:The $136.98 monthly fee includes SmartCredit's 3-bureau credit monitoring service ($39.99) plus Premium Coaching & Community access ($97.00). The Creditily software platform itself is free.

What's Included:

• Everything in Creditily Pro
• Weekly live coaching calls with credit repair experts
• Access to private member community
• Personalized credit repair strategy guidance
• Advanced training resources and courses
• Priority email and chat support
• Direct access to credit professionals

Optional Member Benefit: Premium members may choose to enroll in our complimentary done-for-you credit repair service at no additional charge. This service is optional, not required, and not all members choose to use it. See Section 4.3 for details.

4.3 Optional Done-For-You Credit Repair Service (Premium Members Only)

CONSUMER NOTICE: You may cancel this service at any time. See Section 9 for your cancellation rights under federal law.

Premium members have the option to enroll in our complimentary done-for-you credit repair service at no additional charge. This service includes education, coaching, and credit repair assistance.

Important Disclosures:

• This service is optional and complimentary for Premium members ($97/month coaching fee)
• Enrollment is not required to access Premium Coaching & Community benefits
• We cannot guarantee specific results
• We do not remove accurate information; we help you dispute inaccurate, incomplete, or unverifiable items
• You may unenroll from this service at any time

4.4 Billing Terms

You will be billed monthly on the date you subscribe. Your subscription automatically renews each month unless you cancel. We offer a 30-day money-back guarantee for new subscribers. Contact support@getcreditily.com within your first 30 days for a full refund.

5. Cancellation

You may cancel your subscription at any time through your account settings or by emailing support@getcreditily.com. Cancellation is effective at the end of your current billing period.

Important: Cancelling your Creditily account does not automatically cancel your SmartCredit subscription. To cancel SmartCredit, you must contact SmartCredit directly. Creditily and SmartCredit are separate services with separate billing.

6. Account Termination

We may suspend, terminate, modify, or delete your User Account at any time and for any reason, with or without notice. We will have no liability for any damage, liabilities, or losses resulting from any suspension, termination, modification, or deletion of your account.

7. Third-Party Credit Monitoring

Creditily integrates with SmartCredit, a third-party credit monitoring service, to provide access to your 3-bureau credit reports. SmartCredit is an independent company with its own terms of service and privacy policies.

Upon linking your SmartCredit account to Creditily, you authorize Creditily to store your credit report and score information, access your SmartCredit account to retrieve and update your credit reports, and automatically import your credit reports every 40 days for dispute tracking and progress monitoring.

8. Credit Repair Organization Disclosure

IMPORTANT NOTICE REQUIRED BY FEDERAL LAW:

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may obtain a free copy of your credit report from Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281, (877) 322-8228, or www.annualcreditreport.com.

You have the right to dispute inaccurate information in your credit report by contacting the credit reporting agency directly. The credit reporting agency must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act.

You have the right to cancel your contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See Section 9 for an explanation of this right.

9. Notice of Cancellation Rights

IF YOU WISH TO CANCEL YOUR CONTRACT WITH CREDITILY, YOU MAY DO SO BY:

• Email: support@getcreditily.com (Subject: CANCEL SUBSCRIPTION)
• Mail: Creditily, 5001 California Ave Suite 219, Bakersfield, CA 93309

CANCELLATION DEADLINE: You have the right to cancel this contract without any penalty or obligation at any time before midnight of the 3rd business day after the date you subscribed.

If you cancel, any payments made by you under this contract will be returned within 10 business days.

10. Your Responsibilities

When using Creditily, you agree to:

• Use the software only for lawful purposes
• Not dispute accurate information on your credit report
• Comply with all applicable laws, including the Fair Credit Reporting Act (FCRA)
• Not use the software to commit fraud or misrepresent information
• Understand that you are ultimately responsible for all disputes filed in your name

11. Prohibited Uses

You shall not:

• Copy, modify, translate, or create derivative works of the Creditily software or content
• Reverse engineer, disassemble, decompile, or attempt to derive source code
• Use automated tools, bots, or data mining tools to access Creditily
• Remove, delete, alter, or obscure any copyright, trademark, or proprietary notices
• Rent, lease, lend, sell, sublicense, assign, distribute, or transfer Creditily to third parties
• Use Creditily on behalf of any third party without their consent
• Use Creditily in violation of any applicable laws or regulations
• Send unauthorized advertising or promotional material through Creditily

12. Intellectual Property

All content on Creditily, including software, text, graphics, logos, dispute letter templates, and educational materials, is the property of Creditily or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use Creditily for your personal credit repair purposes during your active subscription period. The name CREDITILY and all related names, logos, product and service names, designs, and slogans are trademarks of Creditily. You must not use such marks without our prior written permission.

13. Updates and Availability

We may from time to time develop and provide updates to Creditily. We reserve the right to change, suspend, remove, or disable access to Creditily or any features at any time without notice. We will have no liability for any update, change, suspension, removal, or unavailability of Creditily or any features.

14. Third-Party Materials

Creditily may display, include, or make available third-party content or provide links to third-party websites or services through our financial services marketplace. We are not responsible for Third-Party Materials, including their accuracy, completeness, or legality. Third-Party Materials and links thereto are provided solely as a convenience to you, and you access and use them entirely at your own risk.

15. Collection and Use of Personal Information

When you use or access Creditily, we may use automatic means (including cookies, pixels, and web beacons) to collect personal information about you, your devices, and your use of our platform. All information we collect is subject to our Privacy Policy.

16. Mobile Message Service Terms (Future Use)

If we implement SMS/text messaging services in the future, by providing us with your phone number, you will consent to receive automated text messages from Creditily. Message and data rates may apply. You will be able to text STOP to cancel or HELP for assistance.

17. Disclaimers and Limitations

17.1 No Guarantees: WE DO NOT GUARANTEE SPECIFIC RESULTS, CREDIT SCORE IMPROVEMENTS, OR DELETION OF ITEMS FROM YOUR CREDIT REPORT.

17.2 Coaching is Educational: OUR COACHING SERVICES PROVIDE EDUCATION, GUIDANCE, AND STRATEGY. WE DO NOT PROVIDE LEGAL ADVICE OR GUARANTEE SPECIFIC OUTCOMES.

17.3 Software Provided “As Is”:CREDITILY IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

17.4 Not Legal Advice: NOTHING ON CREDITILY CONSTITUTES LEGAL ADVICE. WE DO NOT PROVIDE LEGAL SERVICES, AND USING OUR SOFTWARE DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP.

17.5 Credit Data and Information Accuracy: WE MAKE NO REPRESENTATION OR WARRANTY WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF ANY CREDIT DATA, CREDIT SCORING, OR CREDIT-RELATED INFORMATION PROVIDED TO YOU VIA CREDITILY.

17.6 Bank Fees: CREDITILY IS NOT RESPONSIBLE FOR ANY OVERDRAFT/OVER-THE-LIMIT CHARGES OR BANK FEES TRIGGERED BY OUR SUBSCRIPTION FEES BEING PROCESSED OR BILLED.

17.7 Your Assumption of Responsibility: YOU HEREBY ASSUME FULL RESPONSIBILITY FOR ALL ACTIONS TAKEN BY YOU IN CONNECTION WITH USE OF CREDITILY.

17.8 Credit Repair Service Disclaimers:WE CANNOT AND DO NOT GUARANTEE THAT WE WILL IMPROVE YOUR CREDIT SCORE, REMOVE NEGATIVE ITEMS, OR ACHIEVE ANY SPECIFIC RESULT. RESULTS VARY DEPENDING ON YOUR INDIVIDUAL CREDIT REPORT AND THE CREDIT BUREAUS' RESPONSES.

17.9 Third-Party Financial Services: CREDITILY PROVIDES LINKS AND ACCESS TO THIRD-PARTY FINANCIAL PRODUCTS AND SERVICES. WE DO NOT CONTROL, ENDORSE, OR GUARANTEE THESE THIRD-PARTY SERVICES.

18. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CREDITILY OR ITS AFFILIATES HAVE ANY LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE CREDITILY FOR: (A) CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES; OR (B) DIRECT DAMAGES IN EXCESS OF THE AMOUNT ACTUALLY PAID BY YOU FOR CREDITILY DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

19. Indemnification

You agree to indemnify, defend, and hold harmless Creditily and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising from your breach of these Terms, your use or misuse of Creditily, your violation of applicable law, or any disputes you file with credit bureaus.

20. Premium Coaching Community

Creditily Premium members receive access to our private coaching community. Community guidelines and acceptable use policies apply. We reserve the right to remove members who violate community standards. Weekly coaching calls are scheduled and announced within the community. Participation in coaching calls and community does not create a professional services relationship. Guidance provided is educational in nature.

21. Dispute Resolution

Informal Resolution: If you have a dispute with us, please contact us at support@getcreditily.com to attempt to resolve it informally.

Arbitration: Any dispute that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall take place in Kern County, California.

Class Action Waiver: YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

FCRA Exception: Any disputes or claims which relate to your credit report, or any claims arising out of or relating to the Fair Credit Reporting Act (FCRA), are not subject to this arbitration agreement.

22. Limitation of Time to File Claims

TO THE FULLEST EXTENT PERMITTED BY LAW, ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO CREDITILY OR THESE TERMS MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES.

23. Governing Law

These terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes not subject to arbitration shall be brought in the state or federal courts located in Kern County, California.

24. Changes to Terms

We may update these Terms & Conditions from time to time. We will notify you of material changes by email or through a notice on our platform. Your continued use of Creditily after such notice constitutes acceptance of the updated terms.

25. Termination

We reserve the right to suspend or terminate your account at our discretion if you violate these terms or engage in fraudulent or harmful activity. Upon termination, your right to use Creditily ceases immediately.

26. Miscellaneous

If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be eliminated or limited to the minimum extent necessary, and the remaining provisions will continue in full force and effect. These Terms and our Privacy Policy constitute the sole and entire agreement between you and us regarding Creditily and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

27. Contact Us

If you have questions about these Terms & Conditions, please contact us:

Email: support@getcreditily.com
Address: Creditily, 5001 California Ave Suite 219, Bakersfield, CA 93309