TERMS OF SERVICE – The Credit Influencer

Last Updated: 5/4/2026

Welcome to The Credit Influencer (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and the use of our website, educational content, tools, digital products, communications, and all related services (collectively, the “Services”). By accessing or using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with these Terms, you must immediately discontinue use of the Services.

About Our Services

The Credit Influencer provides general educational information related to credit, financial literacy, debt awareness, credit-building strategies, budgeting fundamentals, and consumer rights. All content is intended solely for informational and educational purposes. We do not provide credit repair services, legal services, debt settlement services, credit counseling, financial planning, or any activity regulated under the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), Federal Trade Commission (FTC) rules, or any other state or federal regulatory framework. We do not engage in disputing credit items on your behalf, contacting creditors or credit bureaus, offering personalized credit advice, or performing actions that could be reasonably interpreted as credit repair services. Our role is exclusively limited to providing general education to help users better understand credit-related concepts.

No Legal, Financial, Tax, or Professional Advice

The information provided through the Services does not constitute legal, financial, credit, or tax advice. Nothing on the website should be relied upon as a substitute for advice from licensed attorneys, certified financial professionals, accountants, or credit counselors. Results vary widely based on individual circumstances, and all actions taken based on information from the Services are taken at your own risk. Users remain responsible for independently confirming all information and consulting appropriate professionals before making decisions related to credit, finances, debt, or legal matters.

Compliance with Applicable Laws

The Services are intended solely for educational use and are not designed to provide regulated credit repair work or any service requiring certification or licensure. The Credit Influencer does not claim compliance with credit repair licensing because it does not perform credit repair services. Nothing in the Services should be interpreted as an attempt to circumvent federal laws such as the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Federal Trade Commission Act, state credit repair statutes, state consumer protection laws, or professional licensing regulations. Users acknowledge that compliance with all applicable federal, state, and local laws, including those governing credit, lending, data privacy, consumer rights, and financial conduct, remains their sole responsibility.

Consent to Communications (Including SMS/Text Messaging)

By providing your phone number to The Credit Influencer and affirmatively opting in, you expressly consent to receive recurring automated and non-automated text messages from The Credit Influencer at (419) 773-7534, including but not limited to promotional messages, marketing offers, and account-related notifications. Message frequency may vary. Consent is not a condition of purchase, and message and data rates may apply.

You understand that messages may be sent using an automatic telephone dialing system or other automated technology. Your consent applies even if your phone number is listed on any state or federal Do Not Call registry.

You may opt out of receiving text messages at any time by replying “STOP” to any message you receive. For assistance, reply “HELP” or contact us at 855-764-9126 or info@thecreditinfluencer.com.

You represent that you are the account holder for the mobile number provided or that you have the account holder’s permission to receive messages at that number.

No Guarantee of Results

We do not guarantee any specific credit-related outcome, including improvements in credit scores, removal of negative items, approval for credit cards, approval for loans, qualification for financing, or any other financial or credit result. Credit outcomes depend on many factors outside our control, including user behavior, credit history, creditor reporting practices, and credit bureau policies. By using the Services, you acknowledge that any reliance on our educational content is at your own discretion and risk.

User Responsibilities

You agree to use the Services only for lawful and personal purposes. You may not misuse any part of the website, attempt to disrupt its functionality, engage in fraudulent activity, impersonate others, or attempt unauthorized access to any systems or information associated with the platform. You are solely responsible for any actions you take based on the information provided through the Services. You further agree not to copy, reproduce, or distribute the content from the Services without express written permission from The Credit Influencer.

Third-Party Websites and External Content

The Services may reference or link to third-party websites, tools, products, or resources. These third-party sites are not owned, operated, or controlled by us, and we are not responsible for their content, privacy practices, terms, or accuracy. The inclusion of any third-party link does not constitute endorsement or recommendation. Accessing third-party resources is solely at your own risk, and you are responsible for reviewing any applicable terms or policies.

Intellectual Property Rights

All content on The Credit Influencer, including text, images, videos, logos, graphics, branding, digital products, and all intellectual property, is owned or licensed by the Company and is protected under United States and international copyright, trademark, and intellectual property laws. Unauthorized use, reproduction, modification, or distribution of any content is strictly prohibited. You may view the content for personal use only but may not exploit it for commercial or derivative purposes without prior written permission.

Limitation of Liability

To the fullest extent permitted by law, The Credit Influencer and its owners, officers, employees, affiliates, agents, and partners shall not be liable for any direct, indirect, incidental, consequential, exemplary, or punitive damages arising from your use of the Services or your reliance on any information obtained through the Services. This includes, without limitation, damages arising from financial loss, credit-related decisions, denied applications, data breaches, website downtime, errors or omissions in content, or interactions with third parties. Your use of the Services is strictly at your own risk.

Disclaimer of Warranties

The Services are provided on an “as is,” “as available,” and “with all faults” basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, timeliness, or availability of the Services. We do not warrant that the website will be uninterrupted or error-free or that any defects will be corrected. All warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, are expressly disclaimed.

Indemnification

You agree to indemnify, defend, and hold harmless The Credit Influencer and its owners, employees, affiliates, contractors, and representatives from any claims, liabilities, damages, losses, costs, or expenses, including attorney fees, arising from your use of the Services, your violation of these Terms, your reliance on any information provided, or your misuse of the website or its content.

Modifications to Services or Terms

We may update, modify, or discontinue the Services at any time without notice. We may also revise these Terms periodically, and your continued use of the Services constitutes acceptance of the updated Terms. It is your responsibility to review the Terms regularly.

Termination

We reserve the right to suspend or terminate your access to the Services at our sole discretion, with or without notice, if we believe you have violated any part of these Terms or engaged in harmful behavior affecting the website or other users.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles. Any disputes arising under these Terms or related to the Services shall be resolved exclusively in the state or federal courts located within the State of Florida, and users consent to personal jurisdiction in those courts.

Contact Information

The Credit Influencer
870 SE 47th Terrace, Apt 454
Cape Coral, Florida 33904

Phone: 855-764-9126
Email: info@thecreditinfluencer.com