Terms of Service

1. Acceptance of Terms

Welcome to CreditHQ. These Terms of Service ("Terms") govern your access to and use of CreditHQ's business credit consulting services ("Services"), operated by CreditHQ ("Company," "we," "us," or "our").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use our Services.

2. Description of Service

CreditHQ provides business credit consulting services designed for solopreneurs and small business owners. Our Services include:

• Personalized credit card strategy consulting
• Business credit optimization recommendations
• Credit card stack analysis and planning
• Rewards maximization strategies
• Business and personal credit separation guidance
• Application timing and approval optimization

We do not receive affiliate commissions from credit card companies. Our recommendations are unbiased and based solely on your best interests.

3. Service Agreement

To use our Services, you must:

• Provide accurate and complete information during consultation
• Be at least 18 years old and legally able to enter contracts
• Operate or intend to operate a legitimate business or side business
• Use our advice for lawful purposes in accordance with applicable credit and financial regulations
• Maintain the confidentiality of any sensitive information discussed during consultations

4. Acceptable Use

When using our Services, you agree to:

• Provide truthful information about your financial situation
• Use our recommendations responsibly and in accordance with credit card terms and conditions
• Comply with all applicable laws regarding credit applications and business formation
• Not misrepresent your business or financial status to credit card issuers

You agree NOT to:

• Use our Services for fraudulent purposes
• Make false statements on credit applications based on our advice
• Share or resell our proprietary strategies without permission
• Misrepresent our services or advice to third parties

5. Consulting Disclaimer

CreditHQ provides educational consulting services. We are NOT:

• A credit bureau or credit reporting agency
• A credit repair service
• A financial advisor or registered investment advisor
• A law firm or legal service
• A credit card issuer or affiliate

Our recommendations are based on general principles and your specific situation as you describe it. We do not guarantee:

• Credit card approval outcomes
• Specific dollar amounts of rewards or savings
• Credit score improvements
• That following our advice will result in any particular outcome

Credit card issuers make their own approval decisions based on their proprietary criteria. We cannot control or guarantee their decisions.

6. Pricing and Payment

By purchasing our Services, you agree to pay all applicable fees according to our pricing structure. Payment terms include:

• Fees are charged per consultation or on a service package basis
• All fees are in U.S. dollars and are non-refundable except as stated below
• Payment is processed through secure third-party payment processors
• You authorize us to charge your payment method for all fees incurred
• We may change our pricing with notice to prospective customers

Money-Back Guarantee

If you are not satisfied with your initial consultation, contact us at support@credithq.com within 7 days for a full refund. We stand behind our commitment to honest advice.

7. Data Security and Privacy

We take data security seriously. Our security practices include:

• Encryption of sensitive data in transit and at rest
• Secure communication channels for consultations
• Limited access to client information
• Regular security audits

For more information on how we collect, use, and protect your data, please see our Privacy Policy.

8. Intellectual Property

All content, strategies, frameworks, and materials provided by CreditHQ are the exclusive property of CreditHQ and are protected by U.S. and international copyright and intellectual property laws.

We grant you a personal, non-transferable license to use our advice and strategies for your own business credit optimization. You may not:

• Resell or redistribute our strategies or advice
• Use our proprietary frameworks to provide similar consulting services
• Copy or reproduce our materials for commercial purposes
• Remove or alter any copyright or proprietary notices

9. Term and Termination

These Terms remain in effect while you use our Services. Either party may terminate the consulting relationship:

• By You: You may discontinue using our Services at any time
• By Us: We may refuse service if you violate these Terms or misuse our advice

Upon termination:

• Outstanding fees remain due and payable
• You retain the right to implement strategies already discussed
• Provisions regarding confidentiality and intellectual property survive termination

10. Disclaimers and Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

• Warranties of specific results or outcomes from our advice
• Warranties that credit card applications will be approved
• Warranties regarding the accuracy of projected savings or rewards
• Warranties that our strategies will work for every individual

Results vary based on individual circumstances, credit history, business legitimacy, and credit card issuer policies. We provide our best professional advice but cannot guarantee outcomes.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITHQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR BUSINESS OPPORTUNITIES.

Our total liability to you for all claims arising from or related to these Terms or the Services shall not exceed the amounts paid by you to CreditHQ in the 12 months preceding the claim.

This limitation applies regardless of the legal theory of liability (contract, tort, negligence, strict liability, or otherwise).

12. Indemnification

You agree to indemnify, defend, and hold harmless CreditHQ, its affiliates, officers, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of our advice or strategies
• Your violation of these Terms
• Your violation of any law or regulation related to credit applications
• False statements or misrepresentations you make to credit card issuers
• Your failure to pay debts or manage credit responsibly

13. Dispute Resolution

Please read this section carefully. It affects your legal rights.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall be resolved through binding arbitration rather than in court, except that:

• You may assert claims in small claims court if they qualify
• Either party may seek injunctive relief in court for intellectual property violations

YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website with a new "Last Updated" date
• Sending an email notification to your registered email address

Your continued use of the Services after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Services.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CreditHQ regarding the Services and supersede all prior agreements and understandings.

18. Contact Information

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

19. Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.