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 credit education tools, calculators, and resources designed to help users understand and improve their credit scores. Our Service includes:

• Credit score simulators and calculators
• Educational content and guides
• Letter generation tools for credit disputes
• Credit optimization strategies
• Premium subscription features ("CreditGlow Pro")

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. User Accounts

3.1 Account Creation

To access certain features, you may need to create an account. You must provide accurate, complete, and current information. You are responsible for safeguarding your account password and for any activities or actions under your account.

3.2 Age Requirements

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. Subscription and Billing

4.1 CreditGlow Pro Subscription

Some features require a paid subscription ("CreditGlow Pro"). By subscribing, you agree to pay the subscription fees indicated for that service. Subscriptions automatically renew unless cancelled before the renewal date.

4.2 Payment Processing

Payments are processed by Paddle.com Market Limited ("Paddle"), our Merchant of Record. By subscribing, you agree to Paddle's Terms of Service and Privacy Policy. Paddle handles all payment processing, invoicing, and tax collection.

4.3 Cancellation

You may cancel your subscription at any time through your account settings or by contacting support. Cancellation takes effect at the end of the current billing period. You will continue to have access to Pro features until the end of your paid period.

5. Refund Policy

We offer a 30-day money-back guarantee for CreditGlow Pro subscriptions. If you're not satisfied with your subscription, contact us within 30 days of your initial purchase for a full refund. Refunds are not available for subsequent renewal periods.

For detailed refund information, please see our Refund Policy.

6. 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
• Share your account credentials with others
• Use the Service to provide commercial credit repair services without authorization

7. 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.

8. User Content

Any information you input into our tools or calculators remains your property. We do not store personal financial information unless you explicitly create an account and save it. By using our Service, you grant us a license to use, process, and display your content solely for the purpose of providing the Service to you.

9. Disclaimers

9.1 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.

9.2 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.

9.3 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.

10. 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.

Our total liability for any claims under these Terms shall not exceed the amount you paid us in the twelve (12) months prior to the claim.

11. 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.

12. Privacy

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

13. 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.

14. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

15. 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.

16. Contact Information

If you have any questions about these Terms, please contact us at: