Terms of Service

Introduction & Acceptance

By purchasing from or using creditfixforcheap.com, you agree to be bound by these Terms of Service. These terms are governed by the laws of the State of Ohio. If you do not agree, do not use this site or purchase this product.

CROA Disclosure — Credit Repair Organizations Act

The Credit Fix Kit is an educational digital product. We are not a credit repair organization as defined under 15 U.S.C. § 1679, and we do not provide credit repair services. We provide self-help educational materials and dispute letter templates for personal use.

As a consumer, you have the following rights:

• You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly, at no charge.
• You have the right to obtain a free copy of your credit report from each bureau once per year at AnnualCreditReport.com.
• Any contract for credit repair services may be cancelled within 3 business days of signing.

Our templates do not constitute legal advice, financial advice, or credit repair services. No attorney-client relationship is created by purchasing or using this product.

Educational Product — No Legal or Financial Advice

The Credit Fix Kit is sold strictly as an educational resource. Nothing in the kit constitutes legal advice, financial advice, or credit counseling. Results vary significantly based on individual credit situations. We make no guarantee that any dispute letter will result in the removal of any item from your credit report. You should consult a licensed attorney or financial advisor for advice specific to your situation.

Intellectual Property & License

All content, templates, guides, and materials included in The Credit Fix Kit are owned by The Credit Fix Kit and protected by applicable intellectual property laws. Upon purchase, you receive a personal, non-exclusive, non-transferable license to use the materials for your own personal credit repair purposes only.

You may not:

• Resell, redistribute, sublicense, repackage, or publicly share the materials
• Use the materials for any commercial purpose without our prior written permission
• Use the templates to file false, fraudulent, or misleading disputes with any credit bureau or creditor

Prohibited Uses

You agree not to:

• File fraudulent or misleading disputes
• Misrepresent information to credit bureaus or creditors
• Violate the FCRA, FDCPA, or any applicable law
• Resell or redistribute the materials in any form
• Reverse engineer or create derivative works for commercial distribution

Digital Delivery

Your product is delivered digitally via download link immediately after purchase on the order confirmation page. You are responsible for downloading and saving your files. We are not responsible for files lost after download. If you need re-access, contact us at info@addaipro.com.

Limitation of Liability

To the maximum extent permitted by applicable law, our total liability for any claim arising from your purchase or use of this product shall not exceed the amount you paid ($47). We are not liable for any indirect, incidental, consequential, special, or punitive damages. We are not liable for any outcomes resulting from your use of the dispute letter templates.

Indemnification

You agree to indemnify, defend, and hold harmless The Credit Fix Kit, its owner, agents, and affiliates from and against any claims, liabilities, damages, or expenses (including reasonable attorney fees) arising from your misuse of the materials, your violation of these terms, or your violation of any applicable law.

Chargebacks

We offer a generous 60-day no-questions-asked refund policy. Filing a chargeback with your bank or credit card company instead of contacting us first is considered a breach of these Terms. We reserve the right to dispute any fraudulent chargeback with evidence of digital product delivery.

Dispute Resolution

These Terms are governed by the laws of the State of Ohio. Any dispute shall be subject to the exclusive jurisdiction of the courts of Franklin County, Ohio. For claims under $10,000, both parties agree to resolve disputes through binding arbitration under AAA rules, and both parties waive the right to a jury trial.

Modifications

We reserve the right to update these Terms at any time. Continued use of the site following any changes constitutes your acceptance of the revised Terms.