Terms of Service

Agreement to Terms

By accessing or using Credit.CC's services, website, and mobile applications (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and Credit.CC regarding your use of the Services. We may modify these Terms at any time, and such modifications will be effective immediately upon posting.

Eligibility and Account Registration

To use our Services, you must be at least 18 years old and a legal resident of the United States. By creating an account, you represent and warrant that:

• You are at least 18 years of age
• You are a U.S. resident
• The information you provide is accurate, complete, and current
• You will maintain and promptly update your account information
• You are solely responsible for maintaining the confidentiality of your account credentials

We reserve the right to suspend or terminate accounts that violate these terms or provide false information.

Credit Monitoring Services

Credit.CC provides credit monitoring and identity protection services. By using these services, you acknowledge:

• Credit scores and reports are provided by third-party credit bureaus (Equifax, Experian, TransUnion)
• FICO is a registered trademark of Fair Isaac Corporation
• Credit.CC is not affiliated with any credit bureau
• Score changes and monitoring alerts depend on bureau data availability
• Identity protection services are subject to separate terms with our providers

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using the Services for any illegal purpose or in violation of any local, state, national, or international law
• Impersonating any person or entity, or falsely stating or misrepresenting your affiliation
• Attempting to access accounts or data belonging to other users
• Interfering with or disrupting the Services or servers
• Using automated systems to access the Services without authorization
• Reverse engineering or attempting to extract source code

Payment and Subscription Terms

Credit.CC offers various subscription plans. By subscribing to a paid plan, you agree to the following:

• Subscription fees are charged in advance on a recurring basis
• You authorize us to charge your payment method for all fees
• Subscription fees are non-refundable except as required by law
• You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period
• We may change subscription fees upon notice to you

SMS Terms & Conditions

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Credit.CC Corporation. This includes messages for account notifications, credit and fraud alerts, dark web exposure notices, identity verification codes (2FA/OTP), severe weather alerts (opt-in), billing notices, and customer support conversations.

• Messaging frequency may vary.
• Message and data rates may apply.
• To opt out at any time, text STOP.
• For assistance, text HELP or visit our website at www.credit.cc.
• Visit https://credit.cc/privacy for our privacy policy and https://credit.cc/terms for Terms of Service.

Consent to receive SMS is not a condition of purchase. Carriers (including AT&T, T-Mobile, Verizon, Sprint, U.S. Cellular, and others) are not liable for delayed or undelivered messages. No mobile information or consent data is shared with third parties or affiliates for marketing or promotional purposes.

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Credit.CC Corporation. This includes SMS messages for conversations (external). Message frequency varies. Message and data rates may apply. See privacy policy at https://credit.cc/privacy. Message HELP for help. Reply STOP to any message to opt out.

Limitation of Liability

To the maximum extent permitted by applicable law, Credit.CC and its affiliates, officers, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your transmissions or content

Dispute Resolution

Any dispute arising from or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in the state where Credit.CC is headquartered, unless otherwise agreed by the parties.

You agree that any arbitration shall be conducted on an individual basis and not in a class, consolidated, or representative action. If any court or arbitrator determines that the class action waiver is unenforceable, then the arbitration provision shall be null and void as to that claim.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within Delaware for the resolution of any disputes.

Contact Information

If you have any questions about these Terms of Service, please contact us: