Terms Of Use

Effective Date: 13/9/2025
Effective Date: 13/9/2025

1. ACCEPTANCE OF TERMS

By accessing or using the US Credit Doctor website (“Site”) and services, you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our Site or services.

2. DESCRIPTION OF SERVICES

US Credit Doctor provides credit consultation and educational services including:

  • Personalized credit training plans
  • Credit management counseling
  • Tailored personal coaching
  • Credit knowledge education and guidance
  • Financial consultation services

3. ELIGIBILITY

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

4. CREDIT REPAIR SERVICES DISCLOSURE

IMPORTANT NOTICE: As required by the Credit Repair Organizations Act (CROA):

  • You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the credit reporting agency directly
  • You may obtain a free copy of your credit report once annually from each nationwide credit reporting agency at www.annualcreditreport.com
  • You have the right to cancel our services at any time, for any reason, by providing written notice
  • We cannot guarantee any specific outcome or credit score improvement
  • Results may vary and depend on individual circumstances

5. USER OBLIGATIONS

You agree to:

  • Provide accurate, complete, and current information
  • Keep your login credentials confidential
  • Use our services only for lawful purposes
  • Not misrepresent your identity or financial situation
  • Comply with all applicable laws and regulations

6. PAYMENT TERMS

  • All fees are clearly disclosed before service commencement
  • Payment terms will be specified in your service agreement
  • Refund policies are outlined in your individual service contract
  • You are responsible for all applicable taxes

7. INTELLECTUAL PROPERTY

All content on this Site, including text, graphics, logos, and software, is the property of US Credit Doctor and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

8. PRIVACY AND DATA PROTECTION

Your privacy is important to us. Our Privacy Policy, incorporated by reference, explains how we collect, use, and protect your information.

9. DISCLAIMERS

  • Our services are educational and consultative in nature
  • We make no guarantees about credit score improvements or specific outcomes
  • Information provided is for general guidance and should not be considered as legal or financial advice
  • You should consult with qualified professionals for specific financial or legal matters

10. LIMITATION OF LIABILITY

To the maximum extent permitted by law, US Credit Doctor shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill.

11. TERMINATION

We reserve the right to terminate or suspend your access to our services at any time, with or without cause or notice, for conduct that we believe violates these Terms or is harmful to other users or us.

12. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of [State], without regard to its conflict of law provisions.

13. CHANGES TO TERMS

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this Site. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

14. CONTACT INFORMATION

For questions about these Terms, please contact us here.