Platform Terms of Use

Credit Impact, Inc., a Delaware corporation ("Credit Impact", "we", "us") Notice address: 601 N Federal Hwy, Ste 301 #129, Hallandale Beach, FL 33009, United States The effective date of this version is shown with it. Legal notices: legal@creditimpact.co · Support: support@creditimpact.co

1. What these Terms are, and what governs what

These Terms of Use govern access to and use of the Credit Impact platform (the "Platform") by a credit-repair agency or similar business (the "Agency") and by the individual users the Agency invites.

The contract stack is:

1. these Terms of Use — the default Platform agreement;
2. the Data Processing Addendum ("DPA"), which controls any conflict about personal-data processing, security, deletion and subprocessors;
3. an Order Form or checkout terms, which control the price, package, quantity, term and other transaction-specific commercial terms they expressly state;
4. a signed Master Services Agreement ("MSA"), used only for enterprise or customised engagements, which controls customised business and legal terms.

An Order Form changes an MSA only where it expressly identifies the provision it changes. The Privacy Policy and Cookie Policy apply in their own areas and do not silently amend a higher-priority signed agreement.

Website copy, demonstrations, sales conversations, FAQs and support statements are not contractual promises unless they are incorporated into a signed agreement. An Agency's purchase-order boilerplate does not apply unless Credit Impact expressly accepts it in writing.

2. Acceptance, authority and eligibility

Every Agency user accepts these Terms individually. Each Agency Admin and each Agency Analyst separately accepts these Terms in their own capacity, using their own unchecked click-through control, and acknowledges the Privacy Policy. One user's acceptance never counts as another user's. When a new version of these Terms requiring acceptance is published, each user accepts it before continuing to use the Platform.

Accepting for the Agency is a separate act. An Agency Admin also accepts these Terms and the DPA on behalf of the Agency, using a separate unchecked click-through control that is recorded separately. By doing so, that person represents that they are at least 18 years old and are authorised to bind the Agency. Accepting on behalf of the Agency is not that Admin's individual acceptance, and it is not any other user's individual acceptance.

An Agency Analyst accepts these Terms personally but cannot accept these Terms or the DPA on behalf of the Agency, and the Platform does not offer an Analyst a control that purports to do so.

The Privacy Policy is provided as a notice and is acknowledged. Acknowledging a notice is not consent to any processing that requires consent.

Every Platform user must be at least 18, must use an individual account, must protect their credentials, and must not share an account. The Agency is responsible for the users it invites, for the roles it assigns, for removing access promptly, and for reporting unauthorised use to security@creditimpact.co.

3. What the Platform does, and what it does not do

The Platform ingests and organises credit-report information, applies algorithms to identify potential issues, and uses artificial intelligence to assist with drafting based on the findings and instructions the Agency selects.

The Agency decides. The Agency independently chooses the accounts, the dispute positions, the supporting evidence, the requested relief, and whether to approve and send each dispute. Credit Impact does not independently review every output by a human being.

Credit Impact is not a consumer reporting agency, a lender, a law firm, or a provider of legal, tax, accounting or financial advice. The Agency, not Credit Impact, contracts with the underlying consumer.

The Platform may offer optional physical mailing through third-party providers, at the Agency's direction.

No outcome is guaranteed. Credit Impact does not guarantee any deletion, correction, credit-score increase, financing approval, bureau response, delivery date, or any other result.

4. The Agency's obligations regarding consumers

Before Credit Impact processes information about a consumer, the Agency must hold valid and current consumer authorisation, all required notices and consents, a lawful basis and, where applicable, a permissible purpose under the Fair Credit Reporting Act. The Agency must have authority to transmit the consumer's information and documents to Credit Impact and its service providers.

The Platform requires a per-client certification before report acquisition, document upload, analysis, dispute generation or mailing. The Agency retains the original authorisation evidence; Credit Impact records the certification and does not verify the underlying evidence. Credit Impact may request that evidence, and failure to provide it may block, suspend or terminate the affected processing or the account.

If authorisation is withdrawn, the Agency must notify Credit Impact promptly. Withdrawal blocks new processing, except processing reasonably required to honour a data-subject right, complete a deletion, satisfy law, or preserve a valid legal hold. Withdrawal is prospective and does not reverse mailing or processing actions already accepted by a provider. Credits may still be charged for actions irreversibly initiated before withdrawal.

Minors. The Platform does not detect a consumer's age and performs no age verification. The Agency is responsible for determining whether an underlying consumer is a minor and, if so, for holding valid parent or guardian authorisation and any other lawful authority. The per-client certification says this expressly.

5. Acceptable use

The Agency and its users must not:

• access a credit report without authorisation or a permissible purpose;
• commit identity theft or impersonate any person or organisation;
• submit a dispute the Agency knows to be false, misleading, fraudulent, frivolous or unauthorised, or submit falsified supporting documents;
• share credentials, or attempt to bypass a permission, a role, or the boundary between one Agency's data and another's;
• scrape, reverse engineer, or subject the Platform to excessive automation or disruption;
• upload malicious or unlawful material;
• resell or sublicense access;
• violate the terms of any third-party provider the Platform depends on;
• use the Platform for unlawful discrimination or for an adverse-action decision; or
• attempt to obtain another Agency's or another consumer's data.

The Agency must independently review AI-assisted and algorithmic output. That a product option exists does not establish that using it is lawful or that its output is factually accurate.

6. Roles inside an Agency

7. Credits, billing and refunds

Credits are the Platform's prepaid usage unit. Credits are not money, deposits, currency, cash equivalents, or withdrawable. They are non-transferable between Agencies and may be used only for Credit Impact services. There is one unified Credits balance; there is no separate mailing balance.

Prices and taxes. Prices exclude applicable taxes unless stated otherwise. The Agency bears sales, use and similar taxes; Credit Impact collects and remits where required and bears its own income and payroll taxes. A valid exemption certificate must be supplied before purchase.

Price transparency. The exact customer-facing Credit cost is shown before a paid action. Provider postage and other provider-dollar costs are internal to Credit Impact and are never presented as the customer price.

Refunds. An Agency Admin may request a refund of an entire purchase within seven calendar days (Eastern Time) only if none of that purchase has been used or reserved. There is no partial refund; any consumption makes the purchase non-refundable. Refunds are returned to the original payment method. A duplicate charge, a wrong charge, or a Credit Impact error is handled separately. Promotional and referral Credits are non-refundable.

Promotional, referral, goodwill, correction and administrative Credits are non-cash, non-refundable and non-transferable.

Chargebacks. If a payment for Credits is disputed with the card issuer or payment provider, Credit Impact may, after reviewing the dispute, suspend paid actions on the account, reverse or adjust the Credits concerned, and treat Credits already used from the disputed purchase as an amount the Agency owes. A single good-faith chargeback does not automatically terminate the Agency. The Agency must cooperate with Credit Impact's review within seven days. Fraud or repeated abuse may lead to suspension or termination.

A suspension restricts use of the account; it does not by itself cancel the Agency's Credits.

Price changes. Credit Impact may change pack prices, service Credit costs, subscriptions and plans prospectively. No price change applies retroactively to an action already approved or reserved. Existing Credits keep their numerical quantity but do not lock future service prices. Material increases will normally be notified thirty days in advance; changes driven by postage, tax, legal, regulatory or provider costs may take effect sooner with reasonable notice.

8. Mailing

Where the Agency uses the Platform's mailing option, Credits are reserved when the Agency sends, and captured only after the mailing provider accepts the mailpiece at the defined irreversible boundary. A validation failure or a provider rejection before that boundary releases the reservation. An uncertain submission stays reserved and is reconciled without a duplicate submission or a duplicate charge.

After provider acceptance, a provider delay, a return, or an incorrect address supplied by the Agency is not refundable. A cancellation by Credit Impact or the provider before performance releases or restores the Credits. A duplicate caused by Credit Impact is charged once.

Standard mailing covers up to six final PDF pages. Larger packets may require additional Credits in disclosed tiers. The per-bureau price and the total are shown before approval, and the price is locked once approved and reserved. A changed packet must be repriced and re-approved.

Tracking information is not a guarantee of delivery. Credit Impact may replace, suspend or remove a provider for security, legal or service reasons.

9. Referral programmes

Agency referrals. A referring Agency may earn Credits when an Agency it referred makes its first completed paid Credits purchase, using one valid referral code at signup. For a referrer's first five successful referrals the reward is 15% of the Credits purchased; from the sixth it is 20%. Only purchase-qualified referrals count. Settlement occurs after the seven-day refund window has closed or after consumption has made the purchase non-refundable. Referral Credits are non-cash, non-refundable and non-transferable. Where a refund, chargeback, fraud or error affects a referral, Credit Impact may, after review, reverse or adjust the referral Credits concerned.

Self-referrals, fake or duplicate agencies, common-control manipulation and retroactive attribution are prohibited. A public endorsement must disclose the reward relationship. Programme changes are prospective and do not remove rewards already earned.

What a referring Agency is told about an Agency it referred. Only three things: the referred Agency's business name, its qualification status, and the reward status of that referral. A referring Agency does not receive the referred Agency's purchase records or exact transaction details — no purchase amounts, purchase dates, transaction identifiers or Credit volumes — nor its users, contact details or client data. It does receive its own reward, and it sees totals for its own programme: the referral Credits it has earned and the numbers of its referrals. These totals are not facts about any referred Agency's purchases. Because a reward is a percentage of the referred Agency's first qualifying purchase, a referring Agency may be able to infer the approximate amount of that purchase from the reward it receives. This is stated to the referred Agency before it signs up through a referral link.

Sales representatives. Credit Impact may work with independent sales representatives. A sales representative is not a partner or authorised agent of Credit Impact. What matters to an Agency is the limit of that person's authority: a representative cannot bind Credit Impact, change prices, promise outcomes, collect payments, handle consumer reports, documents, passwords or personal information, or use unapproved marketing. An Agency should treat any such claim as unauthorised and tell Credit Impact.

A representative is not a party to these Terms and does not accept them. These Terms do not set out the terms of any relationship between Credit Impact and a representative.

10. Third-party dependencies

The Platform depends on independent systems including SmartCredit / ConsumerDirect, Stripe, Lob, Google Cloud, OpenAI, the credit bureaus and postal carriers. Credit Impact is not responsible for third-party data accuracy, bureau decisions, continuous provider availability, provider policy or API changes, or postal delay after a proper handoff.

Credit Impact remains responsible for its own integration behaviour, for transmitting the package the Agency approved, for avoiding its own duplicate charges, for maintaining the correct Credits state, and for managing its subprocessors under the DPA.

An Agency that uses its own provider account is responsible for that provider's terms, credentials, permissions and fees.

11. Intellectual property, content and AI

Credit Impact owns the Platform, its source code, algorithms, rules, workflows, design, brand, general templates, methods, reusable components and improvements.

The Agency and the consumer retain their rights in the reports, documents, instructions and data they provide. They grant Credit Impact a limited licence to process, store, secure, support, transmit and mail that content solely to provide the service, to meet legal obligations, and to protect the Platform. That licence ends on deletion, except where law, a legal hold, or an inaccessible backup residual pending ordinary expiry requires otherwise.

Credit Impact does not claim ownership of the consumer-specific final dispute letter. The Agency has a perpetual right to use that final output for that consumer and for its own internal records. Credit Impact retains its general templates, techniques and reusable components. AI outputs are not guaranteed to be unique.

Feedback may be used royalty-free. Credit Impact will not use an Agency's name or logo in marketing without express permission.

Improvement using de-identified information. Credit Impact may use information to develop, test and improve its algorithms and models only after that information has been de-identified or aggregated so that it cannot reasonably be used to identify an Agency, a user or a consumer. Re-identification is prohibited. This permission does not authorise training on identifiable credit reports, identity documents or consumer data. Any future programme that uses identifiable information for training requires separate, explicit Agency consent and, where required, consumer consent; it cannot be a condition of service, and it is a material change requiring updated Privacy and DPA terms and re-acceptance.

12. Availability, beta features and force majeure

These standard Terms contain no uptime percentage, no service-level agreement and no automatic service credits. Credit Impact uses commercially reasonable efforts and does not promise continuous, uninterrupted or error-free service. An enterprise MSA may contain a negotiated SLA.

Planned maintenance will be notified where practical; emergency maintenance may occur without advance notice. Beta, preview and pilot features may change or end and should not be used for critical workflows. Real consumer data must not be placed in an experimental feature until that feature is approved and protected to the same standard as the rest of the Platform.

Neither party is liable for a failure caused by an event beyond its reasonable control, including disaster, extreme weather, war, civil disorder, emergency, pandemic or government order, widespread utility or network failure, a critical provider outage, postal or bureau disruption, or a cyberattack not caused by a failure to maintain reasonable security. Force majeure covers only the affected duties and only for their duration, requires reasonable mitigation and notice where practical, and does not excuse payment for services already delivered or used. Financial difficulty, an internal Agency failure, gross negligence and wilful misconduct are not force majeure. If a core outage continues for more than sixty days, either party may terminate the affected service; unused paid Credits are refunded and promotional Credits are cancelled.

13. Warranties

To the maximum extent permitted by law the Platform is provided "as is" and "as available", without implied warranties of merchantability, fitness for a particular purpose or non-infringement, beyond the express and non-waivable commitments made here. This does not erase the express commitments in the DPA regarding security, deletion and billing.

14. Responsibility, indemnity and liability

Each party is responsible for what it controls and for its contribution to any harm.

The Agency is responsible for consumer authorisation and permissible purpose, for its data and documents, for its selections and approvals, for its users, for its consumer relationship and marketing, and for its own legal compliance.

Credit Impact is responsible for Platform behaviour, for bugs, for incorrect charges, for sending a package different from the one approved, and for its express security and data commitments, including its subprocessor obligations under the DPA.

A bureau outcome or a provider decision is not automatically the fault of either party.

The Agency indemnifies Credit Impact only for third-party claims caused by the Agency's acts, unlawful use or breach. The Agency does not indemnify Credit Impact for harm caused by Credit Impact's own negligence, breach, DPA failure or wilful misconduct. Mixed fault is allocated proportionally.

Liability cap. Credit Impact's aggregate liability under these standard Terms is capped at the amount the Agency actually paid in the twelve months before the event giving rise to the claim. A user who has paid nothing generally has no contractual money-damages recovery, except where law does not permit that exclusion. The first remedy for a paid-service failure is correction, re-performance, restoration of Credits, or a refund where appropriate.

Indirect, consequential, lost-profit, lost-customer, lost-reputation, lost-opportunity, special, exemplary and punitive damages are excluded to the maximum lawful extent.

The cap does not cover Credit Impact's fraud, wilful misconduct or gross negligence, or any liability that cannot lawfully be limited. The Agency's payment obligations, its indemnity, fraudulent or unlawful use of reports or data, and misuse of Credit Impact's intellectual property or confidential information are not subject to the Agency's ordinary liability cap.

15. Suspension and termination

Credit Impact uses the least restrictive suspension that addresses the problem. Immediate restriction is permitted for severe fraud, impersonation, unauthorised report access, false documents or disputes, a security or tenant attack, non-payment or repeated chargebacks, a legal or provider order, or imminent risk.

A curable material breach normally receives notice and ten business days to cure. No cure period is required for severe fraud, a security threat, a legal prohibition, or another circumstance requiring immediate action. Where lawful and safe, Credit Impact will give a reason and an appeal path. Uncured, repeated or severe violations may lead to termination. Termination by Credit Impact without cause normally requires thirty days' notice and a refund of unused paid Credits.

Voluntary closure. An Agency Admin may request closure of the Agency's account in writing to support@creditimpact.co or legal@creditimpact.co; Credit Impact handles the request after verifying it. Voluntary closure gives a thirty-day wind-down during which non-refundable paid Credits may be used and no new purchases may be made. Immediate voluntary closure waives the remaining non-refundable balance. If Credit Impact terminates without Agency breach, or discontinues the Platform, unused paid Credits are refunded at the price actually paid; promotional and referral Credits are forfeited. Submitted provider jobs remain chargeable; unsubmitted reservations are released.

Within thirty days after termination, an Agency Admin may request a copy of the Agency's client records and uploaded documents, which Credit Impact will provide in a commonly used electronic format, unless security, law or another valid restriction prevents it. Deletion and retention then follow the DPA, the Privacy Policy (including the retention practices it describes), and any legal hold.

16. Confidentiality

Each party protects the other's confidential information with reasonable care and at least the care it applies to its own similar information, uses it only for this agreement, and limits access to those who need it and are bound by confidentiality. Information that is lawfully public, already known without restriction, independently developed, or lawfully received from a third party is excluded. A legally compelled disclosure requires notice where permitted and is limited to the minimum necessary. Ordinary confidentiality survives five years; trade secrets remain protected for as long as they are legally secret; personal data follows the DPA.

17. Disputes

These Terms are governed by the law of the State of Delaware, without regard to its conflict-of-law rules.

Before formal proceedings, a party must send a detailed legal notice to legal@creditimpact.co (and to the notice address above) and allow a thirty-day informal resolution period. An unresolved dispute then proceeds to binding individual arbitration before one arbitrator under the AAA Commercial Rules, governed by the Federal Arbitration Act, seated in Wilmington, Delaware, with remote participation permitted. Each side initially bears its own costs and fees, subject to any award permitted by law.

No class, collective, consolidated or representative proceeding is permitted. Eligible small-claims matters may be filed in New Castle County, Delaware. Credit Impact may seek injunctive relief in court for unauthorised access, a confidentiality or intellectual-property violation, a security threat, or data abuse. Non-arbitrable matters are heard exclusively in the Delaware state or federal courts, and jury trial is waived to the maximum lawful extent. Proceedings are confidential except as needed for enforcement, insurance or a legal obligation.

These arbitration provisions bind the Agency and its Platform users. They do not bind the Agency's underlying consumers.

An ordinary claim against Credit Impact must be brought within one year after it accrues, to the maximum lawful extent; a timely thirty-day informal-resolution process tolls that period. Billing, Credits and invoice disputes must be raised within sixty days unless they were not reasonably discoverable. Amounts owed to Credit Impact, indemnity, fraud or wilful misconduct, unauthorised data use, intellectual-property and confidentiality violations, injunctions, and non-waivable rights are excepted. A privacy access or deletion request is not treated as a contractual claim.

18. Notices and changes

Ordinary notices may be sent to the Agency Admin's email address and shown in the Platform. A material change to these Terms, a suspension, or a termination uses both email and in-Platform notice. Formal arbitration, indemnity, material breach and termination notices must use the legal-notice method; an ordinary support ticket is not a legal notice unless it is acknowledged as one.

The Agency must keep its Admin email and notice address current. Email is generally treated as received on the next business day absent a bounce.

Each legal document carries a version, a publication date and an effective date. A non-material correction — a typo or a contact detail — does not require re-acceptance. A material change — to liability, arbitration, Credits or refunds, data use, intellectual property, indemnity, or a new paid obligation — normally receives thirty days' advance email and in-Platform notice and requires a fresh unchecked acceptance by an Agency Admin. Continued use alone is not acceptance of a material amendment.

Until a required new version is accepted, users may still read the legal documents, contact support, download files already in the Platform, and withdraw a consumer authorisation, but may not purchase Credits, add clients, obtain or analyse reports, create or approve disputes, or initiate mailing. An Analyst cannot bypass that restriction. No material amendment applies retroactively to a completed action or charge. An urgent legal, security or provider change may take effect sooner, with notice, and the affected feature is blocked until the new version is accepted.

Prior versions are archived and their acceptance evidence is preserved.

19. General

The Agency may not assign this agreement without Credit Impact's prior written consent; a merger or business sale may be proposed if the successor assumes all duties. Accounts and Credits cannot be transferred separately. Credit Impact may assign to an affiliate or in connection with financing, reorganisation, merger or sale, provided the successor assumes the contractual and privacy obligations. Assignment does not erase accrued duties, and a prohibited assignment is void.

Severability, no waiver by non-enforcement, independent-contractor status, no consumer third-party beneficiaries, headings for convenience, and survival of provisions that naturally continue all apply. Electronic documents, click-through acceptance and electronic signatures are valid.

The authoritative language is English; any translation is a convenience copy and English controls unless non-waivable law requires otherwise. "Days" means calendar days unless "business days" is stated. Commercial deadlines use U.S. Eastern Time. "Including" is non-exclusive. This agreement is not construed against its drafter.

20. Contact