Credit-Scale Terms of Service

1. Introduction
Welcome to www.creditscale.io ("Site"). This website is owned and operated by Credit-Scale, United States. Throughout the Site, the terms "we", "us", "Credit-Scale", and "our" refer to Credit-Scale LLC. We provide this website, including all tools, services, and content available, to you, the user, conditioned upon your acceptance of all terms, policies, and notices stated here.

By visiting our site and/or booking any of our services, you ("User") engage in our "Services" and agree to be bound by these Terms of Service ("Terms"), including additional terms and policies linked herein or available by hyperlink.

2. About Credit-Scale
We provide Credit Repair, Credit Coaching, and Dispute Services. Our system is designed to help you improve your credit profile by identifying and challenging inaccurate or outdated items. Learn more about our services on our website.

3. Eligibility
Use of our services is limited to individuals who can legally enter into contracts. If under 18, you must have permission from a parent or legal guardian.

4. General Terms
An initial account activation fee of $19 USD is required at sign-up. Once your first round of disputes is prepared and delivered, a monthly recurring fee of $97 USD will be charged. Services are offered on a month-to-month basis and may be cancelled at any time.

5. Pricing Policy
Prices may change at our discretion. Orders placed before pricing updates will be honored at the rate at time of purchase.

6. Errors and Omissions
Credit-Scale is not responsible for delays or errors in the delivery of services or site content.

7. Acceptable Use
You agree to use the Site lawfully and only for personal, non-commercial purposes. Unauthorized use, access attempts, or automated scraping is prohibited.

8. Payment Methods
We accept Visa, MasterCard, American Express, and any other methods listed on our site. We may update accepted payment options at any time.

9. Site Access Restrictions
You may not:

Resell or commercially use any content

Modify, hack, or reverse-engineer site content

Copy or scrape information or materials from the site

Use bots or automated tools to access the site

10. Accounts and Security
You are responsible for your account information. Maintain confidentiality and notify us immediately of any breach.

11. Intellectual Property
All content on this site is protected by copyright and trademark laws. Reuse without permission is prohibited.

12. Monitoring
We reserve the right to monitor and remove content at our sole discretion.

13. Copyright Infringement
If you believe content infringes your copyright, contact [email protected] with all necessary documentation.

14. Disclaimers
The site and services are provided "as-is." We make no warranties about accuracy, functionality, or fitness for a particular purpose.

15. Limitation of Liability
Credit-Scale is not liable for indirect, incidental, or consequential damages resulting from your use of the site or services.

16. Indemnification
You agree to hold Credit-Scale and its affiliates harmless from any claims resulting from your use of the site or breach of terms.

17. Dispute Resolution
Disputes will be resolved through good faith mediation before pursuing arbitration or litigation. Terms are governed by the laws of New Jersey.

18. Minors
Users under 18 must have parent or guardian permission. Use of the site confirms legal compliance with jurisdictional age laws.

19. Privacy & Cookies
Refer to our Privacy Policy and Cookie Policy for information about data use.

20. Third-Party Links
We are not responsible for content or services of external websites linked from our platform.

21. Policy Updates
Terms may be revised at any time. Continued use of the site confirms your acceptance of updates.

22. Electronic Communication
By using the site, you consent to receive communication from us via email, phone, text, or automated systems.

23. Severability
If any term is found to be invalid, remaining terms will remain in effect.

24. Assignment
We may assign or transfer our rights under these Terms without notice. You may not assign your rights.

25. Force Majeure
We are not liable for service delays due to uncontrollable events (e.g., weather, war, labor disputes, technical issues).

26. Entire Agreement
These Terms constitute the full agreement between you and Credit-Scale.

27. Termination
This agreement is active from your first site visit and remains effective until terminated. We may suspend access for violations. All terms regarding liability and ownership survive termination.

Contact Us
For questions or support: [email protected]

Disclaimer: Individual results vary. Some clients may see faster or slower progress. Credit-Scale will assess each case transparently before payment and onboarding.