Terms of Service

1. Agreement to Terms

By accessing or using CreditGlow ("we," "our," or "us") and our website at creditglow.co (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

CreditGlow provides free credit education tools, calculators, and resources designed to help users understand how credit works. Our Service includes:

• Credit score simulators and calculators
• Educational content and guides
• Letter generation tools for credit disputes

Important: CreditGlow is an educational service only. We are not a credit repair organization, law firm, or financial advisor. We do not provide legal or financial advice.

3. Eligibility

You must be at least 18 years old to use our Service. By using CreditGlow, you represent and warrant that you are at least 18 years of age.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or any destructive code
• Use automated systems or software to extract data from the Service
• Impersonate another person or entity
• Use the Service to provide commercial credit repair services without authorization

5. Intellectual Property

The Service and its original content, features, and functionality are owned by CreditGlow and are protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

6. Your Content and Our Tools

Anything you type into our calculators and letter generators stays in your browser. These tools run entirely on your device, so the information you enter is not transmitted to or stored by CreditGlow. You keep any letter or output you create. We do not currently offer accounts, and there is no feature that saves your inputs to our systems.

7. Disclaimers

7.1 Educational Purpose Only

THE SERVICE IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. CreditGlow does not provide legal, financial, or tax advice. The information provided should not be relied upon as a substitute for professional advice. Always consult with qualified professionals regarding your specific situation.

7.2 No Guarantees

We make no guarantees about credit score improvements, loan approvals, or any specific outcomes from using our Service. Credit scoring is complex and individual results will vary based on many factors outside our control.

7.3 Third-Party Services

We may recommend or link to third-party services (such as credit cards or monitoring services). We are not responsible for the content, accuracy, or practices of these third parties. Some links may be affiliate links where we earn commissions, which are disclosed on relevant pages.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITGLOW 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 RESULTING FROM YOUR USE OF THE SERVICE.

The Service is provided free of charge. To the maximum extent permitted by law, our total liability for any claims under these Terms will not exceed one hundred US dollars ($100).

9. Indemnification

You agree to indemnify and hold harmless CreditGlow, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses arising from your use of the Service or violation of these Terms.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

12. Access and Availability

We may modify, suspend, or discontinue any part of the Service at any time, and we may restrict access to anyone who violates these Terms, in each case without prior notice or liability. These Terms continue to apply to your prior use of the Service.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Delaware.

14. Contact Information

If you have any questions about these Terms, please reach us through our Contact page or at: