Terms of Service

These Terms of Service ("Terms") govern your use of the Your Credit Legacy website and services. By accessing our website or engaging our services, you agree to these Terms.

1. Services

Your Credit Legacy provides credit repair, business funding assistance, financial coaching, and credit monitoring referral services. The specific scope of services provided to you will be set out in a separate written service agreement, which governs the actual provision of credit repair services.

2. No Guarantee of Results

We cannot and do not guarantee any specific results, including any specific increase in your credit score or the removal of any specific item from your credit report. Credit outcomes depend on the accuracy of the information reported and the responses of credit bureaus and creditors.

3. Your Responsibilities

• You agree to provide accurate, current, and complete information.
• You agree not to use our services for any unlawful purpose, including submitting false disputes.
• You are responsible for maintaining the confidentiality of any account credentials.

4. Payments

Fees for services are described in your service agreement. Consistent with the Credit Repair Organizations Act (CROA), we do not charge for credit repair services before those services are fully performed.

5. Third-Party Links and Services

Our website and services may reference or link to third-party products and services (such as credit monitoring providers). We are not responsible for the content, policies, or practices of third parties, and referral relationships may involve compensation to us.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Your Credit Legacy or its licensors and is protected by applicable intellectual property laws.

7. Disclaimer of Warranties

Our website and informational content are provided "as is" without warranties of any kind, express or implied. Nothing on this website constitutes legal or financial advice.

8. Limitation of Liability

To the fullest extent permitted by law, Your Credit Legacy shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services.

9. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles.

10. Changes to These Terms

We may modify these Terms at any time. Continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.