Terms of Service

1. Acceptance of Terms

By accessing and using Crowned Credit's services ("Company", "we", "our", or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our services.

2. Service Description

Crowned Credit provides professional credit repair and consulting services, including but not limited to:

• Credit report analysis and review
• Dispute letter preparation and submission
• Credit improvement strategies
• Credit education and consulting
• Specialized services (ChexSystems, inquiry removal, etc.)

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Provide accurate and complete information
• Be legally authorized to enter into this agreement
• Be a resident of the United States

4. Client Responsibilities

As a client, you agree to:

• Provide accurate, complete, and current information
• Fully cooperate in the credit repair process
• Respond promptly to requests for information
• Review your credit reports for accuracy
• Not provide false or misleading information
• Pay all fees as agreed

5. Fees and Payment

5.1 Service Fees

Our service fees vary based on the plan you select. All fees are clearly disclosed prior to enrollment. Pricing is subject to change with prior notice.

5.2 Payment Terms

Payments are processed through our secure payment processors. By providing payment information, you authorize Crowned Credit to charge the provided credit/debit card for the agreed-upon services.

5.3 Refunds

We offer a 90-day money-back guarantee for certain services. Specific refund terms are provided in your enrollment agreement. Refunds are processed within 10-14 business days.

6. Cancellation

You may cancel our services at any time by providing written notice. Monthly services may be cancelled before the next billing cycle. Prepaid packages may be subject to different cancellation terms as outlined in your agreement.

7. Disclaimer of Warranties

While we strive to provide exceptional services, we DO NOT GUARANTEE specific results. Credit repair results vary based on individual circumstances. We:

• Cannot guarantee that specific negative items will be removed
• Cannot guarantee a specific credit score increase
• Cannot control the actions of credit bureaus or creditors
• Are not a law firm and do not provide legal advice

8. Limitation of Liability

To the maximum extent permitted by law, Crowned Credit shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

9. Confidentiality

We maintain strict confidentiality of all your personal and financial information as outlined in our Privacy Policy. We will not disclose your information without your consent, except as required by law.

10. Intellectual Property

All content, trademarks, and data on our website and materials are owned by Crowned Credit. You may not copy, modify, distribute, or use any content without our express written permission.

11. Legal Compliance

Our services comply with:

• Credit Repair Organizations Act (CROA)
• Fair Credit Reporting Act (FCRA)
• Fair Debt Collection Practices Act (FDCPA)
• All applicable state and federal laws

12. Dispute Resolution

Any dispute arising from these Terms or our services shall first be resolved through good faith negotiation. If unresolved, the parties agree to binding arbitration in Greensboro, North Carolina, in accordance with the rules of the American Arbitration Association.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the new Terms.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any specific enrollment agreement, constitute the entire agreement between you and Crowned Credit regarding our services.

17. Your Rights Under CROA

Under the Credit Repair Organizations Act, you have the right to:

• A written contract explaining your rights and obligations
• Cancel the contract without penalty within 3 business days
• Not be charged until the promised services are performed
• Sue a credit repair company if it violates the law

18. Contact Information

If you have questions about these Terms of Service, contact us: