Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website operated by Credit Impact, Inc. ("Credit Impact," "Company," "we," "us," or "our").

By accessing or using the website, you agree to these Terms. If you do not agree to these Terms, do not use the website.

1. Scope

These Terms apply only to your use of our public-facing website and related online content.

These Terms do not govern any future software platform, paid service, customer relationship, or commercial offering, except to the extent expressly stated in a separate written agreement.

2. Eligibility

You may use the website only if you are capable of forming a binding contract under applicable law.

If you use the website on behalf of a company or other entity, you represent and warrant that you have authority to bind that entity to these Terms.

3. Website Purpose

This website is provided for general informational purposes regarding Credit Impact, its business, and potential future offerings.

The website may also be used to contact us regarding business opportunities, partnerships, recruiting, media, or other general inquiries.

Nothing on the website constitutes financial, legal, regulatory, credit repair, compliance, or professional advice.

4. No Offer or Commitment

Nothing on this website constitutes:

• a binding offer to provide products or services;
• a commitment to onboard any customer, partner, or vendor;
• a guarantee of product availability, release timing, features, or functionality; or
• a guarantee of any financial, legal, credit-related, or operational result.

Credit Impact does not guarantee any credit score increase, deletion outcome, tradeline removal, approval result, or any other financial outcome.

5. Acceptable Use

You agree not to:

• use the website in violation of any law or regulation;
• attempt to gain unauthorized access to the website, related systems, servers, or networks;
• interfere with, disrupt, or impair the operation or security of the website;
• introduce malware, viruses, bots, scripts, or other harmful code;
• scrape, crawl, harvest, or systematically extract website content except as permitted by applicable law and standard search engine indexing practices;
• submit false, misleading, fraudulent, infringing, defamatory, or unlawful content;
• misrepresent your identity, affiliation, or authority; or
• use the website in any manner that could harm Credit Impact, its systems, or other users.

6. Intellectual Property

The website and all content, materials, features, functionality, text, graphics, designs, logos, trademarks, software, and other materials made available through it are owned by Credit Impact, its licensors, or other content providers and are protected by applicable intellectual property laws.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the website solely for lawful internal informational purposes.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, reverse engineer, or otherwise exploit any part of the website except as expressly permitted by these Terms or applicable law.

7. Feedback

If you submit feedback, comments, suggestions, ideas, or recommendations regarding the website, our company, or any potential products or services, you grant Credit Impact a worldwide, perpetual, irrevocable, royalty-free, fully paid-up right to use, reproduce, modify, disclose, and otherwise exploit such feedback for any lawful purpose without restriction or compensation.

8. Privacy

Your use of the website is also subject to our Privacy Policy, which is incorporated into these Terms by reference.

9. Third-Party Links and Services

The website may contain links to third-party websites, tools, or services. We do not control and are not responsible for any third-party content, products, services, privacy practices, terms, or availability.

Your use of third-party services is at your own risk.

10. Disclaimers

THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIT IMPACT DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, QUIET ENJOYMENT, AND THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.

WE DO NOT WARRANT THAT ANY CONTENT ON THE WEBSITE IS COMPLETE, ACCURATE, CURRENT, OR SUITABLE FOR ANY PARTICULAR PURPOSE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIT IMPACT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, FOUNDERS, AFFILIATES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIT IMPACT'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

12. Indemnification

You agree to defend, indemnify, and hold harmless Credit Impact and its officers, directors, employees, founders, affiliates, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees, including reasonable attorneys' fees, arising out of or related to:

• your use of the website;
• your violation of these Terms;
• your violation of applicable law; or
• your infringement or misappropriation of any third-party rights.

13. Suspension and Termination

We may suspend, restrict, or terminate your access to the website at any time, with or without notice, if we believe you have violated these Terms, created risk for us or others, or if such action is otherwise necessary to protect the website, our systems, our rights, or our business.

14. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles.

15. Venue

Any dispute, claim, or controversy arising out of or relating to these Terms or the website will be brought exclusively in the state or federal courts located in Delaware, and each party irrevocably consents to the jurisdiction and venue of those courts.

16. Changes to These Terms

We may update these Terms from time to time. If we do, we will post the revised version on this page and revise the Effective Date above.

Your continued use of the website after the updated Terms become effective constitutes your acceptance of the revised Terms.

17. Miscellaneous

These Terms constitute the entire agreement between you and Credit Impact regarding the website and supersede any prior or contemporaneous understandings relating to the website.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later.

You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, or by operation of law.

18. Contact Us

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