TERMS OF USE

Effective Date: Febuary,2026
Company Name: Credit Approval Solutions

1. Acceptance of Terms

By accessing or using this website and purchasing any products offered by Credit Approval Solutions (“Company,” “we,” “our,” or “us”), you agree to be bound by these Terms of Use. If you do not agree, please do not use this website or purchase our products.

2. Nature of Our Products

Credit Approval Solutions provides:

• Credit education materials
• Custom document preparation services
• Custom dispute letter documentation
• Affidavit preparation
• Court response document preparation
• Administrative processing assistance as a courtesy
• Educational resources related to credit reporting

We do not provide legal advice, legal representation, financial advice, or lending services.

All products are documentation-based and educational in nature.

3. No Guarantees

We do not guarantee:

• Credit score increases
• Account removals
• Specific outcomes
• Approval for credit, loans, housing, or employment
• Timeframes for reporting changes

Credit reporting agencies and creditors make independent decisions based on their own review processes.

4. Customer Responsibility

By purchasing our products, you agree that:

• All information you provide is accurate and truthful
• You are legally authorized to dispute items on your credit report
• You will use documentation provided in a lawful manner
• You understand results vary based on individual credit profiles

We reserve the right to refuse service if we believe information provided is inaccurate, incomplete, or fraudulent.

5. Processing Assistance Courtesy

When purchasing certain documentation packages, administrative submission assistance may be provided as a courtesy at no additional charge. This courtesy does not create a service contract or ongoing obligation beyond the scope of purchased documentation.

6. Refund Policy

Due to the customized nature of document preparation, all sales are final once work has begun. If you believe an error has occurred, you must contact us within 7 days of delivery.

Refund eligibility is evaluated on a case-by-case basis.

Chargeback & Payment Dispute Policy

By completing a purchase with Credit Approval Solutions, you acknowledge that you are purchasing custom-prepared documentation and/or educational products.

Because our products involve personalized document preparation and digital delivery, customers agree to contact us directly to resolve any concerns before initiating a chargeback or payment dispute with their financial institution.

Filing a chargeback without first contacting us to seek resolution may be considered a violation of these Terms.

We maintain detailed records of:

• Purchase confirmations
• Customer communications
• Delivery confirmations
• IP address logs
• Access logs for digital materials

In the event of a payment dispute, this documentation may be provided to the payment processor or financial institution as evidence of authorized purchase and fulfillment.

Fraudulent chargebacks or disputes for services rendered may result in:

• Immediate suspension of services
• Collection efforts for unpaid balances
• Reporting to appropriate authorities if fraud is suspected

We are committed to resolving concerns fairly and professionally and encourage all customers to contact our support team for assistance before initiating any dispute.

7. No Legal or Financial Advice

Nothing on this website constitutes legal advice, financial advice, tax advice, or professional advisory services. You should consult a licensed professional for advice regarding your specific situation.

8. Intellectual Property

All content, documents, templates, graphics, logos, text, and materials provided by Credit Approval Solutions are protected by copyright and intellectual property laws.

Materials may not be reproduced, distributed, resold, or modified without written permission.

9. Limitation of Liability

Credit Approval Solutions shall not be liable for:

• Indirect, incidental, or consequential damages
• Reporting decisions made by credit bureaus or creditors
• Denials of credit or lending
• Customer misuse of documentation

Our liability is limited to the amount paid for the specific product purchased.

10. Payment Processing

All payments are processed through third-party payment processors. We do not store full credit card information.

By completing a purchase, you authorize payment processing in accordance with the terms of the payment provider.

11. Dispute Resolution

Any disputes arising from the use of this website or purchase of products shall be resolved through binding arbitration in the state of North Carolina, unless otherwise required by law.

12. Modifications

We reserve the right to update or modify these Terms at any time. Continued use of the website constitutes acceptance of any changes.

13. Contact Information

Credit Approval Solutions
[email protected]