Terms of Service

1. Eligibility

You must be at least 18, a U.S. resident, and able to form a binding contract. You must provide accurate identity information. You may not use the service for another person's credit file without lawful authority.

2. Services

CreditGod provides private credit management: after identity verification we pull Equifax, Experian, and TransUnion through our credit data partners; God Mode analyzes your file, drafts bureau disputes and furnisher letters, and sends them (electronic filing + certified mail up to plan limits); Boost Line enrollment subject to program approval; lock guidance; identity alerts; and member chat.

The marketing site does not authenticate members or pull live credit. Waitlist / checkout UI may collect interest and card fields that do not submit to a processor until launch.

Features marked "coming," "Phase 2," or sample UI are illustrative only.

3. No guarantees; not a law firm

RESULTS VARY. We do not guarantee deletions, score increases, loan or rental approval, or any Boost Line limit (including $10,000).

CreditGod is not a law firm and does not provide legal advice. God Mode output is software-generated assistance, not attorney advice.

We dispute only inaccurate, incomplete, outdated, or unverifiable information. Accurate debt you confirm will not be disputed.

4. CROA and written contract

When we sell credit repair / dispute services, we comply with the Credit Repair Organizations Act. Before services begin you will receive required disclosures, a written contract stating services, cost, time estimate, business name and address, and a bold statement of your 3-business-day cancellation right, plus a Notice of Cancellation.

No work and no charge until the 3-business-day window closes, unless a different compliant structure is disclosed to you in writing. See Disclosures and Cancellation & Refunds.

5. Fees and billing

One plan: $39.99 per month unless we publish a different price. No setup fee on the published plan. No per-deletion fee. Certified mail overage beyond 12 letters/month is disclosed before billing.

You authorize recurring charges to your payment method after the cooling-off window until you cancel. Failed payments may suspend service.

6. 30-Day Money-Back Guarantee

Try CreditGod risk-free for 30 days. If you're not satisfied for any reason, cancel within 30 days of your first payment and we'll refund your subscription fee in full. No questions asked.

The guarantee is a refund of your CreditGod subscription fee. It is not a guarantee of any credit result: results vary, and no specific outcome (deletion, score change, approval, or Boost Line limit) is guaranteed.

How it works: request the refund within 30 days of your first captured subscription payment, from account settings or by emailing support (see the Cancellation & Refund Policy). We refund the subscription fees paid in that period in full to your original payment method. Certified mail postage for letters already sent is still covered — you receive a full refund of the subscription fee with no postage deduction. Disputes already filed and letters already mailed cannot be unsent.

The guarantee covers the CreditGod subscription fee only. Boost Line and partner identity products are separate programs governed by their own terms.

This guarantee is in addition to, and does not limit, your separate right under the Credit Repair Organizations Act to cancel within 3 business days of signing without penalty or obligation.

7. Your responsibilities

You will not submit false documents, instruct frivolous disputes, impersonate others, or violate the Acceptable Use Policy.

You will keep contact information current and review dispute drafts / outcomes in chat and email.

You understand bureaus and furnishers make independent decisions.

8. Intellectual property

CreditGod branding, software, and site content are owned by us or our licensors. You receive a limited, non-exclusive license to use the service for your personal credit management. See DMCA for copyright complaints.

9. Third-party services

Bureau data, mail fulfillment, payments, hosting, and identity restoration are provided by third parties under their terms. We are not responsible for third-party outages or decisions beyond our reasonable control.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CreditGod LLC AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR SCORE OUTCOMES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID US IN THE THREE (3) MONTHS BEFORE THE CLAIM, EXCEPT WHERE LAW PROHIBITS THIS LIMIT (INCLUDING CERTAIN CROA OR CONSUMER RIGHTS).

12. Indemnity

You will indemnify and hold harmless CreditGod from claims arising out of your misuse of the service, false information, or violation of these Terms or law — except to the extent caused by our willful misconduct.

13. Dispute resolution

Disputes will be resolved in the state and federal courts with jurisdiction over CreditGod LLC's principal place of business, except where CROA or other law requires a different forum.

You may bring eligible claims in small claims court.

14. Termination

You may cancel as described in Cancellation & Refunds. We may suspend or terminate for Acceptable Use violations, fraud, nonpayment, or legal risk. Provisions that should survive (liability, indemnity, IP) survive termination.

15. Changes

We may update these Terms by posting a new version with a revised effective date. Material changes affecting paid members will be noticed by email or in-product where required.

16. Contact

CreditGod LLC, Mailing address provided in your member agreement. support@creditgod.ai.