Terms of Service for My Credit Ally
Effective Date: February 1st 2025
These Terms of Service (“Terms”) govern your use of the website My Credit Ally (“the Website,” “we,” “our,” or “us”). By accessing or using the Website, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, do not use the Website.
1. Acceptance of Terms
By accessing or using My Credit Ally, you agree to be bound by these Terms and our Privacy Policy. We reserve the right to update or change these Terms at any time. We recommend that you review these Terms periodically.
2. Services Provided
My Credit Ally provides services designed to help individuals improve their credit score by providing tools, resources, and expert reviews. This includes access to credit score simulators, loan calculators, bank and credit union directories, and personalized credit report reviews.
3. Account Registration
To access certain features of the Website, such as the Expert Credit Report Review, you may be required to create an account and provide certain personal information. You are responsible for ensuring that all information you provide during registration is accurate, complete, and up to date.
- Account Responsibility: You are responsible for maintaining the confidentiality of your account information and password. You agree to notify us immediately if you suspect any unauthorized use of your account.
4. Subscription Plans
My Credit Ally offers subscription-based services, which include access to premium features such as the Expert Credit Report Review. Subscription fees may vary based on the plan selected. You agree to pay the applicable subscription fee for your selected plan. Payment is made via Stripe and must be kept up-to-date.
- Trial Periods and Refunds: If applicable, trial periods may be offered. Upon the expiration of any trial period, you will be charged according to your selected subscription plan. No refunds will be provided for subscription fees already paid.
5. Use of the Website
You agree to use the Website only for lawful purposes and in accordance with these Terms. You may not:
- Use the Website for any illegal or unauthorized purpose.
- Violate any applicable local, state, national, or international law.
- Use the Website to transmit viruses or any malicious code.
- Engage in any behavior that could disrupt the functioning of the Website or its services.
6. Content and Intellectual Property
All content provided on My Credit Ally, including text, images, logos, videos, and software, is the property of My Credit Ally or its licensors and is protected by copyright laws.
- Limited License: We grant you a limited, non-exclusive, and non-transferable license to access and use the Website for personal, non-commercial use. You may not copy, modify, distribute, or exploit any part of the Website without prior written consent.
7. Disclaimer of Warranties
The information and services provided on the Website are for informational purposes only. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of the information provided.
- No Financial Advice: The Website and its services, including credit report reviews and score simulators, do not constitute financial advice. We recommend consulting a professional financial advisor for personalized financial advice.
8. Limitation of Liability
My Credit Ally will not be held liable for any direct, indirect, incidental, special, or consequential damages arising from the use of the Website, including but not limited to the accuracy of credit score information, user interactions, or third-party links.
- Third-Party Services: Our Website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of those websites.
9. Termination of Access
We reserve the right to suspend or terminate your access to the Website at our discretion, for any reason, including but not limited to violations of these Terms. If your account is terminated, you will not be entitled to a refund of any subscription fees.
10. Governing Law
These Terms will be governed by and construed in accordance with the laws of the state or jurisdiction in which My Credit Ally operates. Any legal actions or proceedings related to these Terms will be conducted in the appropriate courts within that jurisdiction.
11. Dispute Resolution
In the event of a dispute, we encourage you to contact us directly at [your email] to resolve the matter amicably. If a resolution cannot be reached, the dispute will be handled in accordance with the dispute resolution laws of the governing jurisdiction.
12. Changes to the Terms
We may modify or update these Terms at any time. All changes will be posted on this page, and the “Effective Date” at the top will be updated. It is your responsibility to review the Terms periodically for any updates.
13. Contact Information
If you have any questions regarding these Terms or any part of our Website, please contact us at:
Email: [email protected]]