Terms of Service

Effective Date: June 24, 2026 · Business: My Credit Care Inc. · Website: mycreditcare.org

Address: 333 City Blvd W #1700, Orange, CA 92868 · Email: [email protected]

1. Acceptance of Terms

By accessing or using this website, submitting forms, requesting information, enrolling in services, or otherwise interacting with My Credit Care, you agree to these Terms and Conditions. If you do not agree, do not use this website.

2. No Legal, Financial, or Tax Advice

Information provided through this website is for informational purposes only. Nothing on this website constitutes:

Legal advice

Tax advice

Financial advice

Lending advice

Investment advice

You should consult qualified professionals regarding your specific circumstances.

3. Credit Repair Services

My Credit Care provides services related to:

Credit report analysis

Credit education

Credit repair assistance

Metro 2 compliance review

Credit monitoring support

Debt validation support

Financial wellness education

Results vary by consumer. No specific score increase, deletion, approval, funding, or outcome is guaranteed.

4. No Guarantee of Results

Credit reporting agencies, furnishers, creditors, lenders, and government agencies operate independently. My Credit Care cannot guarantee:

Deletion of negative items

Score increases

Mortgage approval

Loan approval

Credit card approval

Debt removal

Specific financial outcomes

Past performance does not guarantee future results.

5. Eligibility

You must be at least 18 years old to use our services. By using our services you represent that:

Information provided is accurate

You have legal authority to provide submitted information

You are the consumer whose information is submitted or have authorization to act on their behalf

6. Payments

Fees for services are disclosed separately during enrollment. You agree to pay all fees associated with purchased services. Failure to pay may result in suspension or termination of services.

7. Electronic Communications

By providing contact information you consent to receive communications by email, phone, SMS, and automated systems where permitted by law. Consent is not a condition of purchase.

8. SMS Terms

Message Types

You may receive account updates, service notifications, appointment reminders, customer support messages, payment reminders, and marketing messages where consent is provided.

Frequency & Charges

Message frequency varies. Message and data rates may apply.

Opt-Out & Help

Reply STOP to cancel. Reply HELP for assistance.

9. User Submissions

You agree that information submitted is truthful, accurate, does not violate laws, and does not infringe third-party rights.

10. Intellectual Property

All content including text, logos, graphics, software, reports, and designs are property of My Credit Care or its licensors. Unauthorized use is prohibited.

11. Third-Party Services

Our services may integrate with third-party providers. We are not responsible for third-party websites, products, services, or policies.

12. Website Availability

We do not guarantee uninterrupted website availability. Website functionality may be modified, suspended, or discontinued at any time.

13. Disclaimer of Warranties

Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind.

14. Limitation of Liability

To the fullest extent permitted by law, My Credit Care shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website or services.

15. Carrier Disclaimer

Mobile carriers are not responsible for delayed or undelivered messages.

16. Indemnification

You agree to indemnify and hold harmless My Credit Care from claims arising from violation of these Terms, misuse of services, or submission of false information.

17. Governing Law

These Terms shall be governed by the laws of the State of California. Any dispute shall be resolved in the courts located in Orange County, California.

18. Changes to Terms

We may update these Terms periodically. Continued use of the website constitutes acceptance of revised Terms.

19. Privacy Policy

Please review our Privacy Policy available at mycreditcare.org/privacy-policy.

20. Contact Information

My Credit Care Inc.

333 City Blvd W #1700, Orange, CA 92868

Website: mycreditcare.org

Email: [email protected]