Terms and Conditions

© Bad Credit Good, Inc

Last Updated December 2024

This Website Terms of Use Agreement (“Website Terms”) is between you and Bad Credit Good, Inc, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“Bad Credit Good,” “we” or “us”). Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the “Website”), your engagement of Bad Credit Good’s services, your request that Bad Credit Good contact you about its credit repair services, and/or your participation in Bad Credit Good’s Text Message Program. Bad Credit Good’s “Text Message Program” includes sending text message(s) to Bad Credit Good and/or receiving text message(s) from Bad Credit Good.

BY USING THE WEBSITE, ENGAGING BAD CREDIT GOOD’S SERVICES, REQUESTING THAT BAD CREDIT GOOD CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN BAD CREDIT GOOD’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

Bad Credit Good’s Privacy Policy applies to your use of Bad Credit Good’s website, all services provided by us, your request that Bad Credit Good contact you about its credit repair services, and/or your participation in Bad Credit Good’s Text Message Program, and its terms are made a part of the Website Terms. To view Bad Credit Good’s Privacy Policy, click here. By using Bad Credit Good’s website, engaging our services, requesting that Bad Credit Good contact you about its credit repair services, and/or participating in Bad Credit Good’s Text Message Program, you acknowledge you have reviewed Bad Credit Good’s Privacy Policy and agree to its terms.

BY USING BAD CREDIT GOOD’S WEBSITE, ENGAGING BAD CREDIT GOOD’S SERVICES, REQUESTING THAT BAD CREDIT GOOD CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN BAD CREDIT GOOD’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND BAD CREDIT GOOD ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND BAD CREDIT GOOD, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH BAD CREDIT GOOD. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST BAD CREDIT GOOD IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST BAD CREDIT GOOD IN ANY JURISDICTION IN THE UNITED STATES. BAD CREDIT GOOD WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have authority to interpret the Website Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Website Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Website Terms. You agree that the Website Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the state of Utah as provided in Section 19 below.

1. About the Website Terms

The Website is a service made available by Bad Credit Good. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website and our services before the changes take effect. Your continued use of the Website after any such changes take effect constitutes your acceptance to such changes. Each time you visit or log in to the Website or continue using our services after changes take effect you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms.

2. About the Website

The Website provides users information about Bad Credit Good’s credit repair services along with general educational resources about credit.

3. Signing Up for Bad Credit Good’s Services

By requesting a Credit Assessment with us you acknowledge that you are providing Bad Credit Good “written instructions” in accordance with applicable laws to obtain your credit reports from any consumer reporting agency.

You are not required to sign up for our services in order to visit and read material on the Website; however, you will need to sign up if you want us to assist you in improving your credit reports and rating.

4. Member Files

Should you choose to sign up for our services you will enter into a separate written agreement with us.

5. Access to Member Files

You authorize us to provide access to your Member File(s) through our online services.

6. Ownership

The Website contains information protected by copyrights and other intellectual property rights owned by Bad Credit Good or third parties.

7. Use of Website and Materials

Bad Credit Good provides the Website for your individual non-commercial use solely for carrying out transactions with us.

8. License

By using this Website you grant us a perpetual right to use any materials submitted by you.

9. Automated Activity

The Website may utilize methods to exclude automated programs from accessing certain portions of it.

10. Linking

You may provide links only to our homepage under specific conditions.

11. Representations

You represent that you are legally capable of entering contracts and providing true information about yourself.

12. Disclaimer

We make no guarantee as to information accuracy on our website.

13. Warranty, Liability, Indemnification

Our services are provided "as is" without warranties of any kind.

14. Indemnity

You agree to indemnify us against any claims arising from your violation of these terms.

15. Privacy

We may collect certain data about you as described in our Privacy Policy.

16. Electronic Notices and Transactions

You agree to transact electronically with us and keep your email address updated.

17. Access

You are responsible for obtaining equipment needed to access our website.

18. Notice Regarding Technology

Your use must comply with all applicable laws in your territory.

19. Miscellaneous

We reserve rights to investigate complaints regarding violations of these terms.

20. Confidentiality of Information

You acknowledge that communications through this site are not secure and may be intercepted by others.