Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website, client portal, and credit repair services (collectively, the "Services") provided by Limitless Credit Repair ("Limitless," "we," "us," or "our"). By creating an account, signing our Service Agreement, or using the Services, you ("you" or "Client") agree to these Terms.

If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old, a U.S. resident, and legally able to enter into a binding contract. By using the Services, you represent and warrant that you meet these requirements and that all information you provide is true, accurate, and your own.

2. The Services

Limitless provides credit repair and credit education services, including but not limited to:

• Reviewing your credit reports from Equifax, Experian, and TransUnion;
• Identifying potentially inaccurate, unverifiable, or outdated information;
• Preparing and submitting disputes, validation requests, and goodwill letters on your behalf;
• Providing credit education and guidance.

We act on your behalf only with your written authorization. We do not act as a creditor, debt collector, or law firm and do not provide legal, tax, or financial advice.

3. No Guarantee of Results

Credit repair results vary by individual. Limitless does not guarantee:

• The removal of any specific item from your credit reports;
• A specific increase in your credit score;
• Approval for any loan, credit card, or financial product;
• A specific timeframe for results.

Outcomes depend on the accuracy of information furnished by creditors, the response of the credit bureaus, your ongoing financial behavior, and other factors outside our control.

4. Your Responsibilities

• Provide accurate, complete, and up-to-date information;
• Forward all correspondence from credit bureaus, creditors, and collection agencies promptly;
• Continue paying your debts and managing accounts responsibly during service;
• Do not open new accounts, dispute items directly, or hire another credit repair company while engaged with Limitless without notifying us;
• Keep your account credentials confidential and notify us immediately of any unauthorized access.

5. Fees & Billing

• Fees are described in your selected package and Service Agreement at the time of enrollment.
• Recurring fees are billed monthly in advance to the payment method on file via our payment processor (Stripe).
• Consistent with the Credit Repair Organizations Act (CROA), you are billed only after services have been performed for that billing cycle.
• You authorize Limitless and Stripe to charge your payment method for all fees you incur until you cancel.
• Failed or declined payments may result in suspension of Services until paid.

See our Cancellation Policy for details on cancellations and refunds.

6. Your Right to Cancel (CROA)

Under the federal Credit Repair Organizations Act, you have the right to cancel your Service Agreement, without penalty or obligation, at any time within three (3) business days of signing. To cancel within this period, email support@limitlesscreditrepair.com with your full name and "Cancel" in the subject line. Cancellation rights and procedures after the three-day window are described in our Cancellation Policy.

7. Limited Power of Attorney & Authorization

By signing our Service Agreement, you grant Limitless a limited authorization to communicate with credit bureaus, creditors, collection agencies, and other furnishers of information on your behalf solely for the purpose of providing the Services. This authorization terminates automatically upon cancellation of your account.

8. Account Security

You are responsible for all activity that occurs under your account. Notify us immediately at support@limitlesscreditrepair.com if you suspect unauthorized use. We may suspend or terminate accounts engaged in fraud, abuse, or violation of these Terms.

9. Intellectual Property

The Services, including all content, designs, software, dispute letter templates, and trademarks, are the property of Limitless or its licensors and are protected by U.S. and international intellectual property laws. You may not copy, reproduce, reverse-engineer, or create derivative works without our prior written consent. We grant you a limited, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use.

10. Prohibited Conduct

You agree not to:

• Provide false, misleading, or stolen information;
• Use the Services to attempt to remove accurate, current, or verifiable information from your credit reports;
• Interfere with or disrupt the Services or related systems;
• Reverse-engineer, scrape, or attempt to access non-public portions of the Services;
• Use the Services in any manner that violates applicable law.

11. Third-Party Services

The Services may integrate with third-party providers (e.g., Stripe for payments, credit monitoring services, email providers). Your use of those services is governed by their own terms and privacy policies. Limitless is not responsible for third-party acts or omissions.

12. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED OR ERROR-FREE OPERATION. Limitless does not warrant that the Services will achieve any particular result.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIMITLESS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR DAMAGE TO CREDIT, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO LIMITLESS IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless Limitless and its affiliates from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from (a) your use of the Services, (b) your violation of these Terms, or (c) information you provided that is false, misleading, or infringes the rights of any third party.

15. Termination

You may cancel at any time per our Cancellation Policy. We may suspend or terminate your account immediately if you violate these Terms, engage in fraud, or fail to pay fees when due. Sections that by their nature should survive termination (including IP, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive.

16. Dispute Resolution & Arbitration

Please read this section carefully — it affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in the county of your residence or another mutually agreed location.

Class action waiver: You and Limitless agree that disputes will be resolved on an individual basis only, and not as a class, collective, or representative action.

Opt-out: You may opt out of this arbitration provision by emailing legal@limitlesscreditrepair.com within 30 days of first agreeing to these Terms. Notwithstanding the foregoing, either party may bring an individual action in small claims court.

17. Governing Law

These Terms are governed by the laws of the State in which Limitless is principally located, without regard to its conflict-of-law principles, and applicable U.S. federal law (including CROA). To the extent any claim is not subject to arbitration, exclusive jurisdiction lies in the state and federal courts located in that state.

18. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by email or through the client portal at least 14 days before they take effect. Continued use of the Services after changes take effect constitutes acceptance.

19. Miscellaneous

• Entire agreement: These Terms, together with the Service Agreement and Privacy Policy, constitute the entire agreement between you and Limitless.
• Severability: If any provision is held unenforceable, the remaining provisions remain in effect.
• No waiver: Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment: You may not assign these Terms without our consent. We may assign them in connection with a merger or sale.
• Electronic communications: You consent to receive communications electronically.

20. Contact Us

Limitless Credit Repair
Support: support@limitlesscreditrepair.com
Legal: legal@limitlesscreditrepair.com