Terms of Service

Last updated: June 18, 2026

Welcome to Better Credit Guide. These Terms of Service ("Terms") govern your access to and use of the Better Credit Guide website and any products or services offered through it. By accessing our website or purchasing our products, you agree to be bound by these Terms. If you do not agree, please do not use our website.

1. Company Information

Better Credit Guide is operated by Better Credit Guide ("we," "us," or "our"). For questions about these Terms, contact us at [email protected] or visit our support page.

2. Nature of Our Services

Better Credit Guide provides educational content only. We offer a downloadable PDF guide and related educational blog content designed to help consumers understand their credit reports, the dispute process, and credit-building strategies.

Important Legal Disclaimer

We are not a credit repair organization, credit repair company, or credit services organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., or any state credit repair laws (including but not limited to California Civil Code §§ 1789.10–1789.26, New York General Business Law § 458-a, Texas Finance Code § 393, and Florida Statutes § 817.7005). We do not perform credit repair services. We do not contact credit bureaus, creditors, or any third parties on your behalf. We do not guarantee any specific outcome or change to your credit score, credit report, or credit standing.

Our guide is intended to educate you on processes you may undertake on your own. The information provided is for general educational purposes and should not be construed as legal, financial, or professional advice.

3. Eligibility

You must be at least 18 years of age to use our website or purchase our products. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

4. Products and Purchases

4.1 Product Description

We offer a digital PDF guide titled "DIY Credit Report & Credit Building Guide" (the "Guide"). The Guide includes educational content, sample templates, and checklists. The Guide is delivered electronically as a downloadable PDF file.

4.2 Pricing and Payment

The current price of the Guide is listed on our product page. All prices are in U.S. dollars. Payment is processed securely by Stripe. We reserve the right to change pricing at any time without prior notice; however, price changes will not affect orders already completed.

4.3 Delivery

Upon successful payment, you will receive an instant download link on the confirmation page and a backup download link via email. Download links are valid for 7 days and may be used up to 5 times. If you experience issues with your download, please contact our support team.

5. Refund Policy

We offer a 60-day money-back guarantee. If you are not satisfied with the Guide for any reason, you may request a full refund within 60 calendar days of your purchase date. To request a refund:

  • Contact us via our support page or email [email protected].
  • Include your order reference number or the email address used for purchase.
  • Refunds will be processed to your original payment method within 5–10 business days.

Upon refund, your download access will be revoked.

6. Intellectual Property

All content on this website, including but not limited to the Guide, blog posts, text, graphics, logos, images, and software, is the property of Better Credit Guide and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

Upon purchase, you are granted a non-exclusive, non-transferable, personal license to use the Guide for your own personal, non-commercial use. You may not:

  • Reproduce, distribute, or share the Guide with others.
  • Modify, adapt, or create derivative works from the Guide.
  • Use the Guide for commercial purposes, including resale.
  • Remove any copyright or proprietary notices from the Guide.

7. No Guarantees

No guarantee of results. We do not guarantee that following the Guide will result in any specific outcome regarding your credit score, credit report, or financial situation. Credit outcomes depend on many individual factors beyond our control, including but not limited to the accuracy of your current credit reports, the nature of disputed items, and actions taken by credit bureaus and creditors. The educational content in the Guide is provided on an "as-is" basis.

8. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

  • OUR WEBSITE AND PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.
  • WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
  • WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
  • THE INFORMATION IN THE GUIDE IS FOR EDUCATIONAL PURPOSES ONLY AND IS NOT A SUBSTITUTE FOR PROFESSIONAL LEGAL, FINANCIAL, OR CREDIT COUNSELING ADVICE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BETTER CREDIT GUIDE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR PRODUCTS.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OUR PRODUCTS SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE PRODUCT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Better Credit Guide from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of our website or products, your violation of these Terms, or your violation of any third-party rights.

11. User Conduct

When using our website, including the AI chat assistant and support system, you agree not to:

  • Provide false or misleading information.
  • Submit personal information of others (such as Social Security numbers, financial account numbers) through our chat or support systems.
  • Use our website for any unlawful purpose or in violation of any applicable laws.
  • Attempt to gain unauthorized access to our systems or data.
  • Interfere with or disrupt the operation of our website.
  • Use automated scripts or bots to access our website without our prior written consent.

12. Third-Party Links and Services

Our website may contain links to third-party websites, products, or services. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Your interactions with third-party websites are governed by their respective terms and policies.

We do not use affiliate links or receive compensation from any third-party products or services mentioned on our website. Our recommendations are based solely on what we believe is best for the consumer.

13. Electronic Communications

By making a purchase or submitting your email address, you consent to receive electronic communications from us, including purchase confirmations, download links, and support responses. These transactional communications are not marketing messages. We comply with the CAN-SPAM Act (15 U.S.C. § 7701 et seq.) and all applicable email communication laws.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law principles. Any disputes arising under or in connection with these Terms shall be resolved through binding arbitration conducted in accordance with the rules of the American Arbitration Association (AAA), except that either party may seek injunctive relief in a court of competent jurisdiction.

Class Action Waiver: TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

If you are a California resident, you may also contact the California Department of Consumer Affairs, Consumer Information Division, at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

15. Compliance with Credit Repair Laws

In compliance with the Credit Repair Organizations Act (CROA) and applicable state credit repair laws, we affirm:

  • We are not a credit repair organization and do not provide credit repair services.
  • We do not guarantee the improvement of your credit record, history, rating, or score.
  • You have the right to dispute inaccurate information on your credit report directly with credit reporting agencies at no cost to you.
  • You have the right to obtain a free copy of your credit report from AnnualCreditReport.com.
  • No one can legally remove accurate and timely negative information from your credit report.
  • You have the right to sue a credit repair organization that violates the CROA.

16. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Better Credit Guide regarding your use of our website and products, and supersede any prior agreements or understandings.

18. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting the updated Terms on our website with a revised "Last updated" date. Your continued use of our website after any changes constitutes acceptance of the modified Terms.

19. Contact Information

If you have questions about these Terms of Service, please contact us:

Have questions about our terms?

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