Effective Date: April 14, 2026
By accessing or using the Site, you represent that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms and all applicable laws and regulations.
CREDITPLUG provides credit-related information, tools, and referral services designed to help individuals understand and improve their credit profiles. Our services may include but are not limited to credit education resources, credit monitoring referrals, and consultation scheduling. We are not a credit repair organization as defined under federal or state law unless expressly stated.
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You agree NOT to:
By opting in to receive SMS/MMS text messages from CREDITPLUG, you agree to the following:
All content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of CREDITPLUG or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from the Site without our prior written consent.
THE SITE AND ALL CONTENT, PRODUCTS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. CREDITPLUG DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE FULLEST EXTENT PERMITTED BY LAW, CREDITPLUG AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
You agree to indemnify, defend, and hold harmless CREDITPLUG and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of another party.
The Site may contain links to third-party websites or services not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.
If you create an account on our Site, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to terminate accounts at our discretion.
These Terms shall be governed by and construed in accordance with the laws of the District of Columbia and applicable federal laws, without regard to its conflict of law principles. Any dispute arising from these Terms or your use of the Site shall first be submitted to good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Washington, D.C. in accordance with the rules of the American Arbitration Association.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Site following the posting of changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from the remaining Terms and shall not affect their validity and enforceability.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and CREDITPLUG regarding your use of the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.
For questions about these Terms and Conditions, please contact us: