Terms and Conditions for Only.Credit:

Welcome to Only.Credit, a credit repair service (“Service”) provided by Only.Credit. These terms and conditions (“Terms”) govern your access to and use of the Service, and constitute a legal agreement between you and Only.Credit.

Please read these Terms carefully before using the Service. By using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not use the Service.

Service Description

Only.Credit provides a credit repair service to help improve your credit score and credit history. Our services may include credit counseling, credit report analysis, and credit dispute services.

Eligibility

You must be at least 18 years of age and a legal resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements.

Fees and Payments

The fees for the Service will be agreed upon between you and Only.Credit and may change from time to time. You agree to pay all fees and charges associated with your use of the Service.

Credit Report Monitoring

Only.Credit may monitor your credit report to determine the effectiveness of the Service and to identify any changes that may affect your credit score or credit history. You acknowledge that monitoring your credit report may result in changes to your credit score and credit history.

Intellectual Property Rights

The Service and all content and materials included on the Service, including text, graphics, logos, images, and software, are the property of Only.Credit or its affiliates and are protected by United States and international intellectual property laws. You may not use, copy, reproduce, distribute, modify, create derivative works, or publicly display any content or materials from the Service without the prior written consent of Only.Credit.

Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ONLY.CREDIT DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, AND DOES NOT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE.

Limitation of Liability

YOU ACKNOWLEDGE AND AGREE THAT ONLY.CREDIT WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES, INCLUDING WITHOUT LIMITATION, LOST PROFITS OR REVENUES, COSTS OF REPLACEMENT GOODS, LOSS OR DAMAGE TO DATA ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE, OR DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENTED, EVEN IF ONLY.CREDIT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Changes to the Terms

Only.Credit reserves the right to modify these Terms at any time. If we make changes to these Terms, we will notify you by posting the updated Terms on the Service and updating the “Last Updated” date at the top of this page. Your continued use of the Service after such update will constitute your acceptance of the revised Terms.

Terms and Conditions

The following Terms and Conditions apply to your use of the Only.Credit credit repair service (the “Service”). By using the Service, you agree to be bound by these Terms and Conditions.

Definitions

The following definitions apply in these Terms and Conditions:

“Only.Credit” refers to the credit repair company providing the Service.

“You” refers to the user of the Service.

“Service” refers to the credit repair service provided by Only.Credit.

Service Description

Only.Credit provides a credit repair service to help you improve your credit score and report. Our Service includes credit counseling, credit dispute resolution, and other credit repair services as necessary.

Responsibility for Use of Service

You are solely responsible for the information you provide to Only.Credit and the actions you take in response to the Service. Only.Credit is not responsible for any errors or inaccuracies in your credit report, and makes no guarantees regarding the outcome of the Service.

Fees

You agree to pay the fees associated with the Service as described on the Only.Credit website.

Refund Policy

Only.Credit offers a money-back guarantee if you are not satisfied with the Service. To request a refund, please contact us at contact@only.credit within 30 days of the date of purchase.

Cancellation Policy

You may cancel the Service at any time by contacting us at contact@only.credit.

Disclaimers

Only.Credit provides the Service on an “as is” and “as available” basis, and makes no warranties of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement.

Only.Credit is not responsible for any errors or inaccuracies in your credit report, and makes no guarantees regarding the outcome of the Service.

Limitation of Liability

In no event shall Only.Credit be liable for any damages, including but not limited to direct, indirect, incidental, special, or consequential damages, arising out of or in connection with the use of the Service.

Indemnification

You agree to indemnify and hold harmless Only.Credit and its employees, agents, and affiliates from any claims, liabilities, damages, and expenses arising from your use of the Service.

Governing Law

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

Changes to Terms and Conditions

Only.Credit reserves the right to change these Terms and Conditions at any time, and will provide notice of such changes through the Service or by email to the email address on file. Your continued use of the Service after any changes are made constitutes your acceptance of the new Terms and Conditions.

Contact Us

If you have any questions or concerns regarding these Terms and Conditions, please contact us at contact@only.credit.

Privacy Policy

Only.Credit respects your privacy and is committed to protecting your personal information. Please refer to our Privacy Policy for more information on how we collect, use, and protect your personal information.

Cookie Policy

Only.Credit uses cookies to improve the user experience and to gather information about the use of the Service. Please refer to our Cookie Policy for more information on how we use cookies and how you can manage them.

Social Media Lead Opt-In Policy

If you opt-in to receive information from Only.Credit through social media platforms, you agree to receive marketing and promotional communications from us. You may opt-out of receiving these communications at any time by contacting us at contact@only.credit.

Email and SMS Opt-In Policy

If you opt-in to receive emails or SMS messages from Only.Credit, you agree to receive marketing and promotional communications from us. You may opt-out of receiving these communications at any time by following the opt-out instructions provided in the emails or SMS messages.

Do Not Share Policy

Only.Credit does not share your personal information with third parties except as necessary to provide the Service or as required by law. Please refer to our Privacy Policy for more information.

By using the Service, you agree to be bound by these additional terms and policies. If you have any questions or concerns regarding these terms, please contact us at contact@only.credit.

Privacy Policy

Only.Credit is committed to protecting the privacy of our users. This Privacy Policy outlines the types of personal information we collect, how we use and share this information, and the measures we take to protect your privacy.

Personal Information Collection

Only.Credit collects personal information from you when you use the Service. This information may include your name, address, email address, phone number, credit report information, and other personal information.

Use of Personal Information

Only.Credit uses the personal information we collect for the following purposes:

To provide the Service to you

To monitor and improve the Service

To communicate with you regarding the Service

To comply with legal requirements

Sharing of Personal Information

Only.Credit may share your personal information with third-party service providers to assist us in providing the Service to you. These service providers are bound by strict confidentiality agreements and are only permitted to use your personal information to provide the Service.

Only.Credit may also be required to share your personal information with government agencies or law enforcement officials to comply with legal requirements.

Protection of Personal Information

Only.Credit implements appropriate technical and organizational measures to protect your personal information from unauthorized access, theft, or loss. However, no method of transmitting or storing data is completely secure and we cannot guarantee the security of your personal information.

Cookies Policy

Only.Credit uses cookies to provide a better user experience and to monitor the performance of the Service. Cookies are small text files stored on your device that remember your preferences and settings. You may choose to disable cookies in your browser, but this may limit your ability to use the Service.

Email and SMS Opt-In Policy

By using the Service, you agree to receive communications from Only.Credit via email and SMS. These communications may include updates on the Service, promotional materials, and other information related to credit repair.

You may opt-out of these communications at any time by contacting us at contact@only.credit.

Social Media Lead Opt-In Policy

Only.Credit may use social media platforms to generate leads for the Service. By providing your information through these platforms, you agree to receive communications from Only.Credit regarding the Service.

California Privacy Rights

Under California Civil Code Section 1798.83, California residents have the right to request a disclosure of the categories of personal information we have collected about you and the specific pieces of personal information we have collected. You may make this request by contacting us at contact@only.credit.

Contact Us

If you have any questions or concerns regarding our Privacy Policy or Terms and Conditions, please contact us at contact@only.credit.

Cookie Policy for Only.Credit

This Cookie Policy explains how Only.Credit uses cookies and similar technologies to collect information about your use of the Service.

What are Cookies?

Cookies are small text files that are placed on your device by a website, app, or email that you visit or open. Cookies are used to store information about your activity on the website, app, or email and to remember your preferences, settings, and login information.

How Only.Credit Uses Cookies

Only.Credit uses cookies to improve the user experience and to gather information about the use of the Service. We use this information to understand how our users interact with the Service, to identify areas for improvement, and to personalize the user experience.

Types of Cookies Used by Only.Credit

Only.Credit uses two types of cookies: session cookies and persistent cookies.

Session cookies are temporary cookies that are deleted when you close your browser. Session cookies are used to store information about your activity on the Service, such as your login information, so that you don’t have to re-enter it every time you visit the Service.

Persistent cookies are cookies that remain on your device until they expire or are deleted. Persistent cookies are used to store information about your preferences, settings, and login information so that they are remembered for your next visit.

Managing Cookies

Most browsers allow you to control cookies through their settings. You can choose to accept or reject cookies, or to be notified when a cookie is set. Please refer to your browser’s help function for more information on how to manage cookies.

Note that if you choose to reject cookies, some features of the Service may not function properly.

Changes to this Cookie Policy

Only.Credit may update this Cookie Policy from time to time. Please review this policy periodically to stay informed about how we use cookies.

Contact Us

If you have any questions or concerns about our use of cookies, please contact us at contact@only.credit.