Agreement Information | Terms & Conditions

Prior to starting credit education and document processing services, you will sign a client agreement and receive the below notices and/or disclosures:

1. Credit Repair Service Agreement
2.  Authorization for Credit Repair Action 
3. Consumer Credit File Rights (CROA Disclosure)
4. 180-Day Money-Back Guarantee 
5. Right Of Cancellation Notice
6. State-Specific Disclosures (if applicable)

The services and support we perform may include but are not limited to the following:

• Document preparation and credit education.  We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information.  You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false, or obsolete information contained in your credit reports.
• We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
• You will forward to us your correspondence received from your creditors and/or credit reporting agencies, we will assist you in further correspondence with those agencies.
• Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or any other form of communication during normal business hours. 

In return, for the services above, you agree to pay fees as outlined in your client agreement.  You have the right to cancel your contract for any reason within three (3) business days from the date you signed it.   Please send written notice as outlined within your client agreement.

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It is understood that we offer credit information.  We make every effort to ensure the accuracy of the information and to clearly explain your options; however, we do not provide legal advice (i.e.: the application of the law to your individual circumstances).

*For legal advice you have the right to consult an Attorney. ​

These Website Standard Terms And Conditions (these “Terms” or these “Website Standard Terms And Conditions”) contained herein on this webpage, shall govern your use of this website, including all pages within this website (collectively referred to herein below as this “Website”).

These Terms apply in full force and effect to your use of this Website and by using this Website, you expressly accept all terms and conditions contained herein in full.  You must not use this Website if you have any objection to any of these Website Standard Terms And Conditions.

This Website is not for use by any minors (defined as those who are not at least 18 years of age), and you must not use this Website if you a minor.

You are expressly and emphatically restricted from all of the following:

• Publishing and/or republishing any Website material in any media;
• Selling, sublicensing, or otherwise commercializing any of the information contained within the Website, and/or other materials provided through links;
• Publicly performing and/or showing any Website material;
• Using this Website in any way that impacts user access to this Website;
• Using this Website to engage in any advertising or marketing;
• Using this Website and/or any materials in any way that is, or maybe, damaging to this Website, the Company (Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix), its licensors, or its Partners/Affiliates;
• Using this Website contrary to applicable laws and regulations, or in a way that causes, or may cause, harm to the Website, or any person or business entity;
• Engaging in any data mining, data harvesting, data extracting, or any other similar activity in relation to this Website, or while using this Website;

Certain areas of this Website are restricted from being accessed by you, Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix may further restrict access to any areas of this Website, dashboard(s), and/or links at any time, at its sole and absolute discretion. Any user ID and password you may have for this Website and/or external links, and/or dashboard sites are confidential; therefore, you must maintain the confidentiality of such information, should access be granted for any length of time.

In these Website Standard Terms And Conditions, "Your Content” shall mean any audio, video, text, images, or other material you choose to display on this Website and/or other associated links. With respect to Your Content; by displaying it, you grant Credit Phoenix Financial Services Group, LLC  dba My Credit Phoenix a non-exclusive, worldwide, irrevocable, royalty-free, sub-licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.

Your Content must be your own and must not be infringing on any third party’s rights.  Credit Phoenix Financial Services Group, LLC reserves the right to remove any content from this Website, dashboard(s), and/or links at any time, and for any reason, without notice.

Other than the content you own; which you may have opted to include on this Website, dashboard(s), and/or links: under these Terms, Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix, its licensors, and/or its Partners/Affiliates own all rights to the intellectual property and material contained within this Website, and all such rights are reserved.

You may be granted access and/or use on a limited license only basis, subject to the restrictions provided in these Terms, for purposes of viewing the material contained on this Website.

This Website is provided “as is,” with all faults, and Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix makes no express or implied representations or warranties, of any kind related to this Website, dashboard(s), links, and/or the materials contained within this Website. 

Additionally, nothing contained on this Website shall be construed as providing legal consult or advice to you.   You have the right to seek legal advice from an attorney anytime, at your discretion.

In no event shall Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix, nor any of its officers, directors, and employees, be liable to you for anything arising out of or in any way connected with your use of this Website, whether such liability is under contract, tort or otherwise, and  Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix, including its officers, directors, and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website. 

You hereby indemnify to the fullest extent Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix from and against any and all liabilities, costs, demands, causes of action, damages, and expenses (including reasonable attorney’s fees) arising out of or in any way related to your breach of any of the provisions of these Terms & Conditions.

If any provision of these Terms & Conditions is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms & Conditions unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein. 

Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix is permitted to revise these Terms & Conditions at any time, as necessary, and/or as deemed appropriate, without providing notification. By using this Website you are expected to review such Terms & Conditions regularly to ensure that you understand all Terms & Conditions governing the use of this Website.

Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix shall be permitted to assign, transfer, and subcontract its rights and/or obligations under these Terms & Conditions without any notification or consent required. However, no other parties doing business with Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix shall not be permitted to assign, transfer, or subcontract any rights and/or obligations under these Terms & Conditions without the expressed, and mutual written consent and agreement by and between both and/or all parties. 

These Terms & Conditions, including any legal notices, policies, disclosures, and disclaimers contained within this Website, constitute the entire "Agreement" by and between Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix and you in relation to your use of this Website, dashboard(s) and/or links, and supersedes any and all prior written or verbal agreements and understandings with respect to the same. 

These Terms & Conditions will be governed by and construed in accordance with the laws of the State of Indiana, and you submit to the non-exclusive jurisdiction of the State and Federal Courts located in Indiana for the resolution of any disputes. Credit Phoenix Financial Services Group, LLC dba My Credit Phoenix maintains the right to change this, and/or any other provision within this agreement at its sole discretion, at any time without notice.