Terms of Use

These Terms of Use govern your access to and use of the CreditGuard website. By using the website or submitting a form, you agree to these terms. If you do not agree, do not use the website.

1. Informational service

CreditGuard provides general educational information and request-routing features. We are not a credit bureau, lender, bank, insurer, law firm, financial adviser, or credit-repair organization. Website content is not legal, tax, lending, or individualized financial advice.

2. No guaranteed result

We do not guarantee a credit-score increase, approval for credit, prevention of identity theft, removal of accurate information, or any specific financial outcome. Results and eligibility depend on individual facts and third-party requirements.

3. User responsibilities

You agree to provide accurate information, use the website lawfully, avoid submitting another person’s information without permission, and not attempt to disrupt, scrape, reverse engineer, overload, or gain unauthorized access to the website or its data.

4. Sensitive information

You must not submit Social Security numbers, government identification numbers, passwords, full payment-card data, or full financial account numbers through public forms. If you voluntarily send prohibited sensitive data, you do so against our instructions.

5. Third-party services and links

The website may link to or facilitate contact with third-party services. Those parties operate under their own terms, privacy policies, pricing, eligibility rules, and service standards. CreditGuard is not responsible for third-party acts, omissions, products, or content.

6. Intellectual property

The website design, brand elements, text, graphics, and software are owned by CreditGuard or licensed to us and are protected by applicable laws. You may use the website for personal, non-commercial purposes but may not reproduce or commercially exploit protected content without written permission.

7. Disclaimer of warranties

The website is provided “as is” and “as available.” To the fullest extent allowed by law, we disclaim implied warranties, including merchantability, fitness for a particular purpose, accuracy, availability, and non-infringement.

8. Limitation of liability

To the fullest extent allowed by law, CreditGuard will not be liable for indirect, incidental, special, consequential, or punitive damages, or for losses resulting from reliance on website content, third-party services, unauthorized access, or service interruption.

9. Changes and termination

We may update these terms, modify website features, suspend access, or discontinue the website at any time. Continued use after updated terms are posted means you accept the revised terms.

10. Contact

Questions about these Terms may be sent to info@creditguard.top.