Terms and Conditions

These Terms govern your access to, usage of all content, Product and Services available at http://yourcreditacademy.com website (the “Service”) operated by Your Credit Academy (“us”, “we”, or “our”).

Your access to our services are subject to your acceptance, without modification, of all of the terms and conditions contained herein and all other operating rules and policies published and that may be published from time to time by us.

Please read the Agreement carefully before accessing or using our Services. By accessing or using any part of our Services, you agree to be bound by these Terms. If you do not agree to any part of the terms of the Agreement, then you may not access or use our Services.

Intellectual Property

The Agreement does not transfer from Us to you any of Ours or third party intellectual property, and all right, title, and interest in and to such property will remain (as between the parties) solely with Your Credit Academy and its licensors.

Third Party Services

In using the Services, you may use third-party services, products, software, embeds, or applications developed by a third party (“Third Party Services”).

If you use any Third Party Services, you understand that:

Any use of a Third Party Service is at your own risk, and we shall not be responsible or liable to anyone for Third Party websites or Services.You acknowledge and agree that We shall not be responsible or liable for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, goods or services available on or through any such web sites or services.

Accounts

Where use of any part of our Services requires an account, you agree to provide us with complete and accurate information when you register for an account.

You will be solely responsible and liable for any activity that occurs under your account. You are responsible for keeping your account information up-to-date and for keeping your password secure.

You are responsible for maintaining the security of your account that you use to access the Service. You shall not share or misuse your access credentials. You must notify us immediately of any unauthorized uses of your account or upon becoming aware of any other breach of security.

Termination

We may terminate or suspend your access to all or any part of our Services at any time, with or without cause, with or without notice, effective immediately.

If you wish to terminate the Agreement or your Your Credit Academy account, you may simply discontinue using our Services.

All provisions of the Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Disclaimer

Our Services are provided “AS IS.” and “AS AVAILABLE” basis. Your Credit Academy and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Your Credit Academy, nor its suppliers and licensors, makes any warranty that our Services will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, our Services at your own discretion and risk.

Jurisdiction and Applicable Law

Except to the extent any applicable law provides otherwise, the Agreement and any access to or use of our Services will be governed by the laws of USA.

The proper venue for any disputes arising out of or relating to the Agreement and any access to or use of our Services will be the state and federal courts located in USA.

Legal or Professional Advice

The information provided on this site should not be taken as legal advice or professional advice on finance. Do not use the information as a substitute for professional advice from legal or certified financial planner professionals.

Credit Repair Services

Your Credit Academy is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. We do not provide “credit repair” services or personal advice or assistance regarding “rebuilding” or “improving” your credit score, credit report or credit rating. We do not offer personal consultation or individual coaching about your credit or personal finances of any kind. We may refer other vendors or partners that may offer this service.

Typical Results

Even though we have taken great care to accurately represent all information provided and provide reasonable expectation of success, you should not interpret any results presented as typical. There is no guarantee that you will increase your credit score, have results from goodwill letters, or be successful in removing damaging items from your credit report. Your results may vary or may take longer than you would like. Results will be dependent on your individual effort to a great degree, your ability to avoid late payments, your ability to keep credit card balances low, your individual credit history, your negotiating skills, and your persistence.

Changes

Your Credit Academy reserves the right, at our sole discretion, to modify or replace these Terms at any time.

If we make changes that are material, we will let you know by posting on our website, or by sending you an email or other communication before the changes take effect. The notice will designate a reasonable period of time after which the new terms will take effect.

If you disagree with our changes, then you should stop using our Services within the designated notice period, or once the changes become effective.

Your continued use of our Services will be subject to the new terms.