1. The service
Updated Credit Tools provides general educational content, planning checklists, comparison prompts, client-onboarding workflows, and related website features. References to "Updated Credit Tools," "we," "us," or "our" refer to the operator of updatedcredittools.net. References to "you" mean the person or organization using the site.
We are not a lender, credit bureau, credit-repair organization, law firm, accounting firm, or financial adviser. We do not guarantee approvals, credit-score changes, funding, or any other financial outcome.
2. Accounts and onboarding
You must provide accurate, current information when requesting onboarding or using account features. You are responsible for safeguarding account credentials and for activity under your account. Notify [email protected] if you believe credentials have been compromised.
You may not share credentials in a way that bypasses account limits or security controls. We may require reasonable verification before assisting with account access or privacy requests.
3. Acceptable use
You agree not to:
- Use the site for unlawful, deceptive, fraudulent, or abusive activity.
- Attempt to access another person's account, nonpublic systems, or restricted data.
- Interfere with site security, availability, or normal operation.
- Upload malware, automate excessive requests, scrape restricted areas, or probe for vulnerabilities.
- Misrepresent your identity, authority, business, or eligibility.
- Copy, sell, sublicense, or commercially exploit site content except as permitted by law or written permission.
- Submit Social Security numbers, passwords, bank credentials, full payment-card numbers, or other sensitive credentials through general inquiry forms.
4. Educational content
Site content is general information and may not reflect your circumstances. It is not financial, legal, tax, investment, accounting, credit-repair, or lending advice. You remain responsible for verifying information, reading complete written terms, and consulting qualified professionals when appropriate.
Third-party products, websites, or services may have separate terms and privacy practices. A link or reference does not imply endorsement or guarantee availability.
5. Intellectual property
The site's original design, text, graphics, software, organization, and branding are owned by or licensed to Updated Credit Tools and are protected by applicable intellectual-property laws. We grant you a limited, revocable, nonexclusive, nontransferable right to access and use the site for its intended purpose.
If you send feedback, you allow us to use it without restriction or compensation, provided we do not identify you publicly without permission.
6. Disclaimers
The site is provided on an "as is" and "as available" basis to the fullest extent permitted by law. We disclaim warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, and uninterrupted or error-free operation. We do not warrant that content is complete, current, or suitable for a specific decision.
Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.
7. Limitation of liability
To the fullest extent permitted by law, Updated Credit Tools and its personnel, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, business opportunities, goodwill, or savings arising from use of the site.
Where liability cannot be excluded, our aggregate liability for claims related to the site will not exceed the greater of the amount you paid us for the applicable service during the six months before the event giving rise to the claim or USD $100. This limitation does not apply where prohibited by law.
8. Suspension and termination
You may stop using the site at any time. We may suspend or terminate access when reasonably necessary to protect the site, users, legal rights, or security; to address suspected violations; or to comply with law. Provisions that by their nature should survive will remain in effect, including ownership, disclaimers, liability limits, and general terms.
9. General terms
Changes
We may update these terms. The effective date identifies the latest version. Material changes may be highlighted on the site when appropriate. Continued use after an update means you accept the revised terms.
Governing rules
These terms are governed by the laws applicable where the site operator is established, without regard to conflict-of-law principles, except where consumer-protection law requires otherwise. Claims must be brought in a court of competent jurisdiction.
Entire agreement
These terms, the Privacy Policy, and the Credit Check Policy form the agreement regarding your use of the site. If one provision is unenforceable, the remaining provisions continue in effect. Failure to enforce a provision is not a waiver.
10. Contact
Questions about these terms can be sent to [email protected].