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This Website Terms of Use Agreement (“Website Terms”) is between you and Credit & Go, 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) (“Credit & Go,” “we” or “us”), with a principal place of business at No 22. Market Rd, California. 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 Credit & Go’s credit services, your request that Credit & Go contact you about its credit repair services, and/or your participation in Credit & Go’s Text Message Program. Credit & Go’s “Text Message Program” includes sending text message(s) to Credit & Go and/or receiving text message(s) from Credit & Go.
BY USING THE WEBSITE, ENGAGING CREDIT & GO’S CREDIT SERVICES, REQUESTING THAT CREDIT & GO CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN CREDIT & GO’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.
Credit & Go’s Privacy Policy applies to your use of Credit & Go’s website, all services provided by us, your request that Credit & Go contact you about its credit repair services, and/or your participation in Credit & Go’s Text Message Program, and its terms are made a part of the Website Terms. To view Credit & Go’s Privacy Policy, click here. By using Credit & Go’s website, engaging our services, requesting that Credit & Go contact you about its credit repair services, and/or participating in Credit & Go’s Text Message Program, you acknowledge you have reviewed Credit & Go’s Privacy Policy and agree to its terms.
BY USING CREDIT & GO’S WEBSITE, ENGAGING CREDIT & GO’S CREDIT SERVICES, REQUESTING THAT CREDIT & GO CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN CREDIT & GO’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND CREDIT & GO 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 CREDIT & GO, 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 CREDIT & GO. 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 CREDIT & GO IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST CREDIT & GO IN ANY JURISDICTION IN THE UNITED STATES. CREDIT & GO 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 involves 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 California, as provided in Section 17 below.
The Website is a service made available by Credit & Go. 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 Credit & Go’s services, rescind your request that Credit & Go contact you about its credit repair services, and/or discontinue your participation in Credit & Go’s Text Message Program before the changes take effect. Your continued use of the Website, use of Credit & Go’s services, request that Credit & Go contact you about its credit repair services or free ReportWatch services, and/or participation in Credit & Go’s Text Message Program after any such changes take effect constitutes your acceptance to such changes. Each time you visit or log in to the Website, continue using Credit & Go’s services, continue your request that Credit & Go contact you about its credit repair services, and/or participate in Credit & Go’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.creditandgo.us. 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.
The Website gives users information about Credit & Go’s credit services, general educational and informational resources about credit, and the ability to sign up for and engage Credit & Go’s services.
By requesting a Credit Assessment, you acknowledge and agree that you are providing Credit & Go “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 Credit & Go’s services in order to visit and read material on the Website; however, you will need to engage Credit & Go’s services if you want it to assist you in your efforts to improve your credit reports and rating. If you engage Credit & Go, you agree to provide accurate and complete information. You must be legally capable to enter into contracts. It is your responsibility to make any updates to your sign-up information. Each engagement is for a single person only. We do not permit any other person to engage Credit & Go’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 Credit & Go immediately by emailing info@creditandgo.us.
By uploading content to or submitting any materials for use on the Website, you grant Credit & Go a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works, and distribute such materials and/or information generated through use of the Website.
We may use or license anonymous, aggregate information collected through your use of the Website for various purposes such as analytical research, performance tracking, and improving our products and services.
You agree not to use any automated means to access the Website without our express written permission. We may use robot exclusion methods to control access to certain portions of the Website.
You may provide links to the homepage of our Website, provided you comply with our linking guidelines. For linking to specific sections within the Website, you must obtain permission from Credit & Go.
You may provide links to the homepage of our Website, provided you comply with our linking guidelines. For linking to specific sections within the Website, you must obtain permission from Credit & Go.
Our services and Website are subject to U.S. export controls. By using our services and Website, you agree not to access or use them in violation of U.S. export laws.
While we make efforts to ensure the accuracy of information on our Website, we do not guarantee its accuracy and are not responsible for any resulting loss or damage.
The Website and materials are provided on an “as is” basis. Credit & Go shall not be liable for any damages resulting from your use of the Website. Your sole and exclusive remedy for any issues with our services is cancellation of your account.
You agree to indemnify and hold Credit & Go harmless from any claims arising from your violation of our Terms.
We may collect, process, and transmit data obtained from you in accordance with our Privacy Policy. By agreeing to our Terms, you consent to the use of your data as outlined in our Privacy Policy.
You agree to transact with us electronically and certify that you are at least 18 years old and have access to the Internet. We may send important notices to the email address you provide.
You are responsible for obtaining the necessary equipment and services to access the Website. If accessing the Website through a mobile device, you are responsible for any carrier fees.
Your use of the Credit & Go website must adhere to all applicable laws in the jurisdiction where you access and utilize the website.
Credit & Go reserves the right to investigate complaints or reported violations of the website terms and to take appropriate action, including reporting suspected unlawful activity to law enforcement officials, regulators, or other third parties. This may involve disclosing necessary information such as user profiles, email addresses, usage history, posted materials, IP addresses, and traffic information. Credit & Go also reserves the right to seek legal remedies for violations of the website terms, including blocking access from specific internet addresses. These terms incorporate any notices on the website and constitute the entire agreement regarding access to and use of the website, as well as participation in Credit & Go’s services.
The website terms are governed by and construed in accordance with the laws of the State of California, USA. However, the arbitration clause is governed by federal law.
The information provided on the Credit & Go website does not establish an attorney-client relationship. All articles and materials on the website are for informational purposes only and should not be considered legal advice. For specific legal advice, individuals must consult with legal counsel. Credit & Go does not guarantee the accuracy or reliability of any information on the website. Communications through the website are not secure and may not be confidential. Users are responsible for maintaining the confidentiality of their login information and notifying Credit & Go of any unauthorized use of their account.
Credit & Go provides access to third-party provider services through its website. Credit & Go disclaims any liability for actions or inactions of these providers.
Severability: If any provision of the contract is held invalid, illegal, or unenforceable, the remaining provisions shall remain in effect. Certain provisions, such as obligations regarding confidentiality and other surviving provisions, shall remain enforceable after termination.
Conflicts in Terms: In case of conflicts between terms, the terms of the contract shall prevail.
Force Majeure: Credit & Go shall not be liable for failure or delay in performance due to reasons beyond its control.
Copyrights and Trademarks: The content on the website is protected by copyright laws. Reproduction of content without prior consent is prohibited.
Privacy Notice: Credit & Go may record and monitor telephone calls for quality assurance. Personal information may be shared with third parties for service delivery. By agreeing to the contract, users acknowledge and agree to Credit & Go’s privacy policy and terms of use. In case of conflict, the contract shall prevail.
Upon expiration of the engagement agreement or cancellation of credit repair services, Credit & Go may continue to provide free ReportWatch services, including credit monitoring and updated reports. Access to the client site may also continue for a specified period. Users can cancel this free service or re-engage credit repair services by contacting Credit & Go.
