Terms of Service

Acceptance of Terms

By accessing and using Credit Score Hero (creditscoreshero.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

Not Financial Advice

The information provided on Credit Score Hero is for educational and informational purposes only and does not constitute financial, legal, or professional advice.

We are not financial advisors, credit repair organizations, or licensed financial professionals. The credit recovery plans generated by our quiz tool are general recommendations based on common best practices and should not be relied upon as professional financial advice.

Always consult with a qualified financial advisor, credit counsellor, or other appropriate professional before making financial decisions. Your financial situation is unique, and what works for others may not be suitable for you.

Affiliate Disclosure

Credit Score Hero participates in affiliate programs. When you click on certain links on our website and sign up for or purchase products or services, we may earn a commission at no additional cost to you.

Our recommendations are based on what we believe to be genuinely helpful products for credit recovery. However, the presence of affiliate links may influence which products are featured or the order in which they appear. We encourage you to conduct your own research before signing up for any financial product.

Affiliate relationships exist with products and services including, but not limited to: secured credit cards, credit monitoring services, credit building tools, and financial education platforms.

No Guarantees

We do not guarantee any specific results from following our credit recovery recommendations. Credit scores are determined by credit bureaus (Equifax, TransUnion) based on many factors, and individual results will vary based on your unique financial situation.

The cost estimates provided by our Score Impact Calculator are approximations based on publicly available data and are intended for illustrative purposes only. Actual costs may vary significantly.

Third-Party Links

Our website contains links to third-party websites, products, and services. We are not responsible for the content, privacy practices, or terms of service of these third-party sites. Clicking on a link to a third-party website does not constitute our endorsement of that website beyond the specific product or service we recommend.

We encourage you to review the terms and privacy policies of any third-party website before providing personal information or making purchases.

Intellectual Property

All content on Credit Score Hero, including text, graphics, logos, and software, is the property of Credit Score Hero or its content creators and is protected by applicable intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without prior written permission.

User Conduct

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems or data
• Use automated tools (bots, scrapers) to access our website in a manner that places undue burden on our servers
• Impersonate any person or entity while using our services

Limitation of Liability

To the fullest extent permitted by applicable law, Credit Score Hero and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our website or services.

This includes, without limitation, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Canada. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in the applicable Canadian province.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

Contact Us

If you have any questions about these Terms of Service, please contact us at legal@creditscoreshero.com.