AI Credit Consultant

Terms of Use

Last updated January 2025

This Website Terms of Use Agreement (“Website Terms”) is between you and AI Credit Consultant, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“AI Credit Consultant,” “we,” or “us”), with a principal place of business at in Texas, USA. Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the “Website”), your engagement of AI Credit Consultant’s services, your request that AI Credit Consultant contact you about its credit repair services, and/or your participation in AI Credit Consultant’s Text Message Program. AI Credit Consultant’s “Text Message Program” includes sending text message(s) to AI Credit Consultant and/or receiving text message(s) from AI Credit Consultant.

BY USING THE WEBSITE, ENGAGING AI CREDIT CONSULTANT’S SERVICES, REQUESTING THAT AI CREDIT CONSULTANT CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN AI CREDIT CONSULTANT’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

AI Credit Consultant’s Privacy Policy applies to your use of AI Credit Consultant’s website, all services provided by us, your request that AI Credit Consultant contact you about its credit repair services, and/or your participation in AI Credit Consultant’s Text Message Program, and its terms are made a part of the Website Terms. By using AI Credit Consultant’s website, engaging our services, requesting that AI Credit Consultant contact you about its credit repair services, and/or participating in AI Credit Consultant’s Text Message Program, you acknowledge you have reviewed AI Credit Consultant’s Privacy Policy and agree to its terms.

BY USING AI CREDIT CONSULTANT’S WEBSITE, ENGAGING AI CREDIT CONSULTANT’S SERVICES, REQUESTING THAT AI CREDIT CONSULTANT CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN AI CREDIT CONSULTANT’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND AI CREDIT CONSULTANT ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND AI CREDIT CONSULTANT, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT, AND PROSPECTIVE INTERACTIONS WITH AI CREDIT CONSULTANT. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST AI CREDIT CONSULTANT IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST AI CREDIT CONSULTANT IN ANY JURISDICTION IN THE UNITED STATES. AI CREDIT CONSULTANT WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (PROVIDED, HOWEVER, THAT THE TERMS OF THE WEBSITE TERMS SHALL CONTROL OVER ANY INCONSISTENCY BETWEEN THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION AND THE WEBSITE TERMS). THE ARBITRATOR SHALL HAVE AUTHORITY TO INTERPRET THE WEBSITE TERMS, INCLUDING BUT NOT LIMITED TO THE AUTHORITY TO DECIDE WHETHER ANY CLAIM IS ARBITRABLE UNDER THE WEBSITE TERMS AND TO DECIDE ISSUES RELATED TO THE SCOPE OF ARBITRATION, THE RULES OF ARBITRATION, THE ARBITRATOR’S JURISDICTION, AND THE ENFORCEABILITY OF THE WEBSITE TERMS. YOU AGREE THAT THE WEBSITE TERMS INVOLVE COMMERCE UNDER 9 U.S.C. §§ 1 ET SEQ. AND THAT THIS ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW, INCLUDING THE FEDERAL ARBITRATION ACT. THE REMAINDER OF THE WEBSITE TERMS IS GOVERNED BY THE LAWS OF THE STATE OF TEXAS, AS PROVIDED IN SECTION 17 BELOW.

About the Website Terms

The Website is a service made available by AI Credit Consultant. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using AI Credit Consultant’s services, rescind your request that AI Credit Consultant contact you about its credit repair services, and/or discontinue your participation in AI Credit Consultant’s Text Message Program before the changes take effect. Your continued use of the Website, use of AI Credit Consultant’s services, request that AI Credit Consultant contact you about its credit repair services, and/or participation in AI Credit Consultant’s Text Message Program after any such changes take effect constitutes your acceptance of such changes. Each time you visit or log in to the Website, continue using AI Credit Consultant’s services, continue your request that AI Credit Consultant contact you about its credit repair services, and/or participate in AI Credit Consultant’s Text Message Program, you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms, by clicking on the “Terms of Use” link at www.aicreditconsultant.com. The Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website and, together with the Website Terms, govern your use of those areas, content, or transactions.

About the Website

The Website provides users with information about AI Credit Consultant’s credit repair services, general educational and informational resources about credit, and the ability to sign up for and engage AI Credit Consultant’s services.

AI Credit Consultant’s Services

By requesting a Credit Assessment, you acknowledge and agree that you are providing AI Credit Consultant “written instructions” in accordance with the Fair Credit Reporting Act to obtain your credit reports from any consumer reporting agency, affiliate, or third party and to use your credit reports to provide your Credit Assessment.

You are not required to engage AI Credit Consultant’s services to visit and read material on the Website; however, you will need to engage AI Credit Consultant’s services if you want assistance in your efforts to improve your credit reports and rating. If you engage AI Credit Consultant, you agree to provide accurate and complete information. You must be legally capable of entering into contracts. It is your responsibility to update your sign-up information as necessary. Each engagement is for a single person only. We do not permit any other person to engage AI Credit Consultant’s services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify AI Credit Consultant immediately by emailing [email protected].

Case Files
Should you choose to engage AI Credit Consultant’s services, you will enter into a separate written agreement with AI Credit Consultant. Each file we create in conjunction with this separate written agreement is called a “Case File.” Your Case File will continue to be subject to the agreements otherwise governing them, except where noted in the related agreement. Each Case File will be subject to the following:

  • The terms or instructions appearing on a screen when using the service;
  • AI Credit Consultant’s policies and procedures applicable to the Case File and the online service;
  • Applicable state and federal laws and regulations.

Access to Case Files

You authorize AI Credit Consultant to provide access to your Case File through its online services. You may access your Case File at [www.aicreditconsultant.com] (the “Client Website”) to obtain account payment information, a sequential docket of services provided and notes made to the file, credit report information received from you and input into your file, your disputing instructions, and other related information. To access a Case File through the online service, you must have a password and the required hardware and software. Subject to the terms of this agreement and any separate written agreement(s), you will generally be able to access your Case File through the Client Website seven days a week, 24 hours a day. Case File information is posted at the time work is completed.

At certain times, the online services may not be available due to system maintenance or circumstances beyond our control. During these times, you may call AI Credit Consultant at 281-560-3877 or send an email to [email protected] to obtain information about your Case File.

Ownership

The Website contains information, content, advertisements, text, photographs, designs, graphics, images, sound and video recordings, animation, and other materials and effects (collectively, the “Content”) that are protected by copyrights, trademarks, service marks, trade dress, patents, or other intellectual or proprietary rights owned by AI Credit Consultant or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, AI Credit Consultant retains all rights (including intellectual property rights), title, and interest in the Website, technology, and all underlying technology and data, including any enhancements, software, applications, and improvements related to the Website (the “Technology”). (The terms Content and Technology collectively will be referred to as the “Materials.”) You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

Use of Website and Materials

AI Credit Consultant provides the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited. You may not, either directly or indirectly:

  • Modify, republish, redistribute, delete, resell, sublicense, or publicly perform any part of the Website or Materials without the express written permission of AI Credit Consultant or the applicable rights holder;
  • Use the Materials for telemarketing, direct marketing, commercial mass email, or by agents or representatives engaging in spam;
  • Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense, or transfer the underlying source code or structure of the Technology;
  • Use any network monitoring or discovery software to determine Website architecture or extract information about usage or users;
  • Reformat or frame any portion of the Website or Materials;
  • Use any device, software, or routine that interferes with the proper functioning of the Website, or otherwise attempt to interfere with its operations;
  • Take any action that imposes, or may impose, an unreasonable or disproportionately large load on our infrastructure, as determined at our sole discretion;
  • Attempt to gain unauthorized access to other computer systems;
  • Violate the Website Terms, applicable law, or the rights of others;
  • Disrupt or interfere with the security of, or otherwise cause harm to, the Website.

Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose or to transmit any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic, or otherwise objectionable material of any kind. You may not use the Website to interfere with, abuse, or otherwise violate the legal rights of any third party.

Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our Website, remove hosted content, and take technical and legal steps to prevent users from accessing the Website if we believe they are creating problems, potential legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.

License

By using the Website, uploading content to, or submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) AI Credit Consultant a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, and distribute such materials and/or information generated through the use of the Website or incorporate such materials and/or information into any form, medium, or technology now known or later developed. We need these rights to host and display your content.

Anonymous, aggregate information that does not contain personally identifiable information—including account information or other available data collected through your use of the Website—may be used or licensed by AI Credit Consultant for various purposes, including but not limited to conducting analytical research, performance tracking, benchmarking, improving products and services, and assisting in troubleshooting and technical support.

Automated Activity

The Website may use robot exclusion methods, such as robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated in real-time and is proprietary or is licensed to AI Credit Consultant by users or third parties.

You agree not to use any robot, spider, scraper, or other automated means to access the Website for any purpose—including but not limited to performing “offline” searches and mirroring—without our express written permission as indicated in the then-current robots.txt file or HTML meta tags on the Website. Additionally, you agree not to bypass our robot exclusion methods or other measures used to prevent or restrict access to the Website.

Linking

You may provide links only to the homepage of this Website, provided that:
(a) You do not remove or obscure any portion of the homepage.
(b) You give AI Credit Consultant notice of such link by sending an email to [[email protected]].
(c) You discontinue providing links to this Website if requested by AI Credit Consultant.

If you wish to provide links to a specific section within the Website, you should submit a request to [[email protected]], and AI Credit Consultant will notify you whether permission is granted and under what terms.

Representations

You represent and warrant that:
(a) You are legally capable of entering into contracts.
(b) You are providing us with accurate and up-to-date information.
(c) You will comply at all times with the Website Terms and applicable laws.
(d) Your use of the Website and any transactions you make with us will not violate the rights of any third party.

AI Credit Consultant’s Website, services, and underlying information, software, and technology are subject to U.S. export controls. By using the Website, you agree that you are not accessing it from, or a resident of, any restricted country.

Disclaimer

AI Credit Consultant makes every effort to ensure the accuracy of the information presented on the Website. However, we do not guarantee its accuracy and are not responsible for any resulting loss or damage.

Warranty, Liability, and Indemnification

AI Credit Consultant makes no representations regarding the availability or performance of the Website. Any use of the Website is at your sole risk.

THE WEBSITE AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED. AI CREDIT CONSULTANT EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT SHALL AI CREDIT CONSULTANT OR ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, OR CONTRACTORS BE LIABLE FOR ANY DAMAGES, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM THE USE OF THE WEBSITE OR MATERIALS.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability, so these exclusions may not apply in certain cases.

Indemnity

You agree to indemnify, defend, and hold harmless AI Credit Consultant, its officers, employees, agents, and affiliates from any claims, damages, losses, costs, or expenses (including attorney’s fees) arising from your violation of the Website Terms.

Privacy

By using the Website, you agree to the collection and processing of your data in accordance with our Privacy Policy. Your data may be used for marketing and other purposes as outlined in that policy.

Electronic Notices and Transactions

You agree to transact with us electronically, which includes accepting terms, receiving documents in HTML or PDF format, and communicating over the Internet. You also confirm that you are at least 18 years old and have access to the Internet to receive our services.

AI Credit Consultant may send you important notices via email. It is your responsibility to ensure your contact information is up to date.

If you no longer wish to transact electronically, you must stop using the Website and AI Credit Consultant’s services.

Access

You are responsible for obtaining all necessary equipment and services to access and use the Website, including Internet access. If you use the Website via a mobile device, you are responsible for any data charges your carrier may impose.

Notice Regarding Technology
Your use of the AI Credit Consultant website must comply with all applicable laws in the jurisdiction from which you access and use the website.

Miscellaneous
AI Credit Consultant reserves the right to investigate complaints or reported violations of the Website Terms and to take any action deemed appropriate, including, but not limited to, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties. This may include disclosing information necessary or appropriate to such persons or entities, including user profiles, email addresses, usage history, posted materials, IP addresses, and traffic information. AI Credit Consultant reserves the right to seek all remedies available under the law and in equity for violations of these Website Terms, including the right to block access from a particular IP address to any AI Credit Consultant website.

These Website Terms incorporate by reference any notices contained on the Website and constitute the entire agreement regarding access to and use of the Website, including your request for AI Credit Consultant to contact you about its credit consulting services. If any provision of these Website Terms is held invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision will be severed and replaced with a provision that most closely reflects the original intent. The remaining provisions will continue in full force and effect to the maximum extent permitted by law. If any provision is deemed overly broad, a court or arbitrator should enforce it to the fullest extent they deem reasonable.

THE WEBSITE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS, USA, AS THEY APPLY TO AGREEMENTS MADE SOLELY THEREIN, PROVIDED, HOWEVER, THAT THE ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW. The Arbitration Clause, along with the obligations outlined in the first four paragraphs of the Website Terms, as well as Sections 5 through 8, 10 through 15, and 17 through 20, shall survive termination of these Website Terms.

AI Credit Consultant shall not be deemed to have waived any rights or remedies under these Website Terms unless such waiver is in writing and signed. No delay or omission in exercising rights or remedies shall operate as a waiver, nor shall a waiver on one occasion be construed as a waiver on future occasions.

These Website Terms constitute the entire agreement between you and AI Credit Consultant, except as modified in writing. They supersede any prior agreements or understandings, whether oral or written, relating to the subject matter contained herein.

Confidentiality of Information / No Attorney-Client Relationship

The information provided on the AI Credit Consultant website does not establish an attorney-client relationship. ALL ARTICLES AND MATERIAL DISPLAYED ON THE WEBSITE ARE FOR INFORMATIONAL PURPOSES ONLY (EXCEPT FOR AI CREDIT CONSULTANT’S PRIVACY POLICY AND WEBSITE TERMS, WHICH ARE LEGALLY BINDING CONTRACTS). THESE MATERIALS ARE NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE, INCLUDING LEGAL OR FINANCIAL ADVICE. FOR SPECIFIC LEGAL MATTERS, YOU SHOULD CONSULT A LICENSED ATTORNEY. AI Credit Consultant does not guarantee the accuracy or reliability of any advice, opinions, statements, or other information provided on the website. Any reliance on such materials is solely at your own risk. AI Credit Consultant reserves the right to correct any errors or omissions at its discretion.

Any references to past results do not guarantee similar outcomes. The results of credit consulting services vary based on individual circumstances. Any mention of prior or current clients does not constitute an endorsement or guarantee of results.

Electronic communications with AI Credit Consultant, including emails or messages sent through the website, are not secure and are not protected by attorney-client privilege. AI Credit Consultant does not guarantee the confidentiality of these communications, and they may be subject to interception or unauthorized access. AI Credit Consultant is not responsible for any damages related to electronic communications sent to or from the company. Unsolicited emails, spam, or unauthorized solicitations using our website will be considered a violation of these Website Terms and may be subject to legal action.

By submitting communications through the website, you acknowledge that no confidential, fiduciary, or other relationship is created between you and AI Credit Consultant beyond what is outlined in the Website Terms and any written agreements you may enter into with the company.

User Responsibilities

You are solely responsible for:
(a) Maintaining the security of your login credentials and preventing unauthorized access to your account.
(b) Ensuring that any information you store or use through AI Credit Consultant’s website remains secure.
(c) Managing all electronic communications associated with your account, including financial and personal data entered on the website.
(d) Any activities conducted under your account. AI Credit Consultant will assume that any communication received through the website was sent or authorized by you. If you become aware of unauthorized access or misuse of your account, you must notify AI Credit Consultant immediately.

The website may not be used for unsolicited bulk emails, solicitations, or inquiries. Such actions are a violation of these Website Terms.

Third-Party Financial Services

AI Credit Consultant’s website may provide access to third-party service providers (“Provider Services”). AI Credit Consultant has no control over these services and does not guarantee their performance. By using Provider Services, you acknowledge that AI Credit Consultant disclaims all liability for any actions or inactions of these third-party providers.

AI Credit Consultant provides access to financial tools and information for your convenience. However, use of the website is at your own risk. AI Credit Consultant and its affiliates, third-party providers, employees, and agents are not liable for:

  • Any representations, recommendations, or guarantees made by third parties associated with the website.
  • The accuracy, reliability, completeness, or legality of the website’s content.
  • Errors, omissions, or delays in the website’s services.
  • Interruptions, system outages, or malfunctions due to external factors beyond AI Credit Consultant’s control.
  • Any unauthorized access by third parties to your account or information.

General Provisions

A. Severability
If any provision of these Website Terms is found invalid, illegal, or unenforceable by a court or arbitrator, that provision will be replaced with one that most closely aligns with the original intent. The remaining provisions will remain in full force and effect. Any provisions that should survive termination will remain enforceable.

B. Conflicts in Terms
In case of a conflict between any notices, policies, disclaimers, or terms found on the website, these Website Terms shall prevail.

C. Force Majeure
AI Credit Consultant is not responsible for any failure or delay in performance due to reasons beyond its reasonable control.

D. Copyrights and Trademarks
The content on AI Credit Consultant’s website is the property of AI Credit Consultant or its licensors and is protected by copyright laws. Unauthorized reproduction of any content is prohibited. Content owned by third parties appearing on the website remains the property of its respective owners.

E. Privacy Notice
Your phone calls may be recorded and monitored for quality assurance. AI Credit Consultant may share your personal information with third parties when necessary to deliver services, in accordance with its privacy policy. AI Credit Consultant does not sell personal information to third parties.

By using the website, you acknowledge and agree to AI Credit Consultant’s privacy policy and terms of use. To review these policies, contact AI Credit Consultant directly. If any conflicts exist between these Website Terms and the privacy policy, these Website Terms shall control.