Terms & Conditions

1. Acceptance of Terms

By creating an account, logging in, accessing the Service, subscribing to any plan, or continuing to use the Service after these Updated Terms become effective, you agree to be bound by these Terms & Conditions.

These Terms apply to all users of the Service, including:

• monthly plan users
• annual plan users
• Platinum or lifetime plan users
• grandfathered users
• admins, sub-admins, employees, affiliates, and other authorized users under an account

If you do not agree to these Terms, do not use the Service.

2. Plans, Features, and Subscription Structure

The Service offers multiple subscription options. These may include monthly plans, annual plans, grandfathered plans, and one-time payment plans such as a Platinum or lifetime plan.

Features, limits, bonuses, access levels, employee counts, customer counts, add-ons, and related benefits may vary by plan.

All plan details shown on the pricing page, billing page, inside the software, or otherwise presented at the time of sign-up or renewal are part of your selected plan.

Access to specific features depends on:

• your selected plan
• your account status
• your agreement to these Terms
• your compliance with these Terms and all related policies

We may change plan names, pricing, features, limits, bonuses, and add-ons from time to time for new or renewing users.

3. Grandfathered Plans

If you are on a grandfathered plan, your current pricing and plan structure remain the same unless one of the following happens:

• you cancel your account
• your account is deleted
• your data is deleted from our servers
• you return after your prior account is no longer active or recoverable

If that happens, you may be required to rejoin under the then-current pricing, plan rules, restrictions, and add-on structure.

These Updated Terms still apply to grandfathered users even if their pricing is different from current pricing.

4. Monthly Plans

5. Annual Plans

6. Platinum or Lifetime Plan

Some users may have purchased a one-time payment plan, sometimes referred to as a Platinum plan or lifetime plan.

For those users:

• a one-time payment grants ongoing access to the platform
• no recurring monthly or yearly renewal is required
• data is not deleted due to non-payment

Lifetime or Platinum access remains subject to these Terms and all other policies.

Lifetime or Platinum access does not mean:

• every feature will remain unchanged forever
• every feature will remain available forever
• the platform can never be updated, modified, or discontinued
• misuse or violations will be ignored

Lifetime access refers to access for the life of the product, not the lifetime of the user.

Data for Platinum or lifetime users may still be removed if:

• the account is terminated for violations
• major system changes are required to maintain or improve the platform
• the platform is discontinued

7. Payment Authorization

You authorize MC Credit Solutions LLC to charge the payment method on file for all approved fees connected to your account, including:

• subscription fees
• yearly renewals
• approved add-ons
• applicable taxes
• other approved account-related charges

Charges may appear under the company name or a related billing descriptor used by MC Credit Solutions LLC.

8. Failed Payments, Suspension, Cancellation, and Data Deletion

9. Cancellation Policy

10. Data Ownership and Access

You own the data you upload or enter into the system.

MC Credit Solutions LLC stores and processes that data on your behalf as part of operating the Service.

We do not control how you use your client data, and we are not responsible for the legality, accuracy, or compliance of the data you enter.

Access to your data depends on account status.

If your account is suspended, canceled, or inactive:

• access may be restricted
• some features may be blocked
• reactivation may be required to regain access where applicable

11. Data Backup Responsibility

You are responsible for exporting and backing up your data while your account is active.

We are not responsible for losses caused by your failure to export, download, back up, or preserve your own records while your account is active.

12. Authorized Use and Account Access

Your account is for use by your business only.

You may allow individuals to access your account to help operate your business, including:

• employees
• virtual assistants
• independent contractors
• outsourcers
• affiliates, but only for referral purposes

Access must be used only to support your business operations.

13. Account Security and Authentication

You are responsible for:

• protecting your login credentials
• using strong passwords
• restricting access to authorized users
• managing employee and user access properly
• preventing unauthorized access to your account

We are not responsible for unauthorized activity, misuse, or data loss caused by:

• shared logins
• weak passwords
• employee misuse
• contractor misuse
• affiliate misuse
• failure to secure your account

14. Compliance With Laws

You agree to comply with all applicable laws, rules, and regulations connected to your use of the Service, including, where applicable:

• the Federal Trade Commission Act
• Section 5 of the FTC Act
• the Credit Repair Organizations Act (CROA)
• the Fair Credit Reporting Act (FCRA)
• the Fair Debt Collection Practices Act (FDCPA), if applicable
• the Telemarketing Sales Rule (TSR), if applicable
• applicable privacy laws
• applicable consumer protection laws
• Florida automatic renewal laws
• other applicable state and federal laws

You are solely responsible for making sure your own business practices, sales methods, client communications, marketing, disclosures, contracts, pricing, and services comply with the law.

15. No Legal Advice

The software, letters, workflows, templates, training, content, tools, automations, and other materials provided through the Service do not constitute legal advice.

You are solely responsible for your own business decisions and legal compliance.

16. No Guarantee of Results

The Service does not guarantee:

• credit score increases
• deletions
• approvals
• dispute outcomes
• faster results
• business success
• compliance results
• any specific result

Results depend on many factors outside our control, including consumer credit data, furnisher responses, bureau actions, user decisions, and legal compliance by the user.

17. No Representations or Warranties

We make no representation or warranty that the Service:

• is appropriate for your specific business model
• fits your preferred strategy
• guarantees legal compliance
• guarantees credit-related outcomes
• guarantees dispute accuracy
• will meet your expectations
• will always be available
• will always be error-free

The Service is provided on an “as is” and “as available” basis to the fullest extent permitted by law.

18. Third-Party Services and Integrations

We may integrate with, connect to, or rely on third-party systems and services, including but not limited to:

• credit monitoring providers
• data import tools
• AI providers
• mailing services
• email services
• SMS services
• API providers
• hosting providers
• payment processors

We are not responsible for outages, failures, interruptions, delays, limitations, data issues, or changes caused by third-party providers.

Your use of third-party services is at your own risk.

19. Service Availability and Maintenance

The Service may be unavailable from time to time because of:

• scheduled maintenance
• upgrades
• emergency maintenance
• AWS or infrastructure outages
• internet outages
• power failures
• third-party service failures
• force majeure events
• other technical issues

We do not guarantee uninterrupted or error-free operation of the Service.

20. Feature Changes and Platform Updates

We may update, modify, rework, suspend, or remove features, tools, workflows, layouts, automations, templates, services, or related functions at any time for reasons including:

• security
• compliance
• product improvement
• system performance
• maintenance
• business needs

We are not required to keep any feature, workflow, page, or function available forever.

21. Communications Consent

By creating an account, subscribing, logging in, or using the Service, you consent to receive account-related communications from us, including:

• emails
• billing notices
• payment alerts
• account status notices
• service messages
• in-app notices
• SMS messages, where applicable
• phone calls related to your account or Service, where applicable

You may opt out of SMS by replying STOP where that option is available, but important account, billing, and service communications may still be sent by other lawful methods.

22. Pre-Mediation Requirement

Before filing arbitration or formal legal action against MC Credit Solutions LLC, you agree to:

• contact support
• request a pre-mediation review
• participate in a good-faith effort to resolve the issue

This may include communication by email, phone, or Zoom.

You must allow up to 10 business days for review.

Failure to complete this pre-resolution process before formal action is a violation of these Terms.

23. Arbitration Agreement (Florida)

Any dispute, claim, or controversy arising out of or relating to these Terms, your account, the Service, or your relationship with MC Credit Solutions LLC shall be resolved exclusively by binding arbitration in the State of Florida, under the Commercial Arbitration Rules of the American Arbitration Association, unless applicable law requires otherwise.

This arbitration agreement includes:

• no class actions
• no class arbitration
• no collective actions
• no representative actions
• waiver of jury trial

The arbitrator’s decision will be final and binding.

Either party may seek temporary injunctive relief in a court of competent jurisdiction in Florida to protect confidential information, platform security, or intellectual property.

Arbitration survives account suspension, cancellation, termination, or deletion.

24. Limitation of Liability

To the fullest extent permitted by law:

• for monthly users, our maximum liability is limited to the total fees you paid in the last 3 months
• for annual users, our maximum liability is limited to the total annual fee you paid for the current term
• for Platinum or lifetime users, our maximum liability is limited to the amount you paid for that plan

We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of revenue, loss of business, loss of data, business interruption, or similar damages.

25. Indemnification

You agree to defend, indemnify, and hold harmless MC Credit Solutions LLC, its owners, officers, employees, contractors, affiliates, and related parties from and against any claims, demands, actions, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• your use of the Service
• your business practices
• your marketing
• your customer or client interactions
• your sales methods
• your representations to others
• your handling of personal or client data
• your violation of these Terms
• your violation of any law or regulation

26. Force Majeure

We are not responsible for delays, failures, outages, interruptions, or inability to perform caused by events outside our reasonable control, including:

• natural disasters
• hurricanes
• floods
• fires
• earthquakes
• pandemics
• civil unrest
• war
• labor shortages
• strikes
• power failures
• internet outages
• AWS outages
• major vendor outages
• third-party partner outages
• government actions
• other force majeure events

27. Relationship of the Parties

Nothing in these Terms creates a partnership, joint venture, agency relationship, fiduciary relationship, or employment relationship between you and MC Credit Solutions LLC.

28. Assignment

You may not assign, transfer, sell, or delegate your rights or obligations under these Terms without our prior written consent.

We may assign or transfer our rights and obligations in connection with a merger, sale, acquisition, reorganization, or transfer of business assets.

29. Entire Agreement

These Terms & Conditions, together with the Software License Agreement, Privacy Policy, pricing disclosures, billing disclosures, and any clearly referenced service-specific pages or setup pages, form the full agreement between you and MC Credit Solutions LLC regarding the Service.

They replace prior understandings relating to the same subject matter.

30. Order of Control

If there is a conflict between documents, the order of control is:

1. these Terms & Conditions
2. the Privacy Policy
3. the Software License Agreement
4. plan-specific setup pages, pricing pages, or related service pages, unless these Terms expressly state otherwise

31. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law rules, except where federal law controls.

32. Severability

If any part of these Terms is found unenforceable, the remaining sections will remain in full force and effect to the extent permitted by law.

33. Waiver

If we do not enforce a provision of these Terms at one time, that does not mean we waive the right to enforce it later.

34. Updates to Terms

We may update these Terms from time to time.

Material changes may be communicated through email, in-app notice, login pop-up, or other reasonable methods.

Continued use of the Service after updated Terms become effective means you accept the updated Terms.