Terms of Use

Welcome to CreditClub.ai ("CreditClub," "we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of CreditClub.ai services, including all features, content, and functionalities offered through our website https://www.creditclub.ai (the "Site") and associated platforms.

1. Acceptance of Terms: By accessing or using CreditClub.ai services, you agree to be bound by these Terms. If you do not agree to these Terms, do not access or use our services.
2. Use of Services:
   • You must be at least 18 years old to use CreditClub.ai services.
   • You agree to use our services for lawful purposes and in accordance with these Terms and any applicable laws and regulations.
3. Membership and Account:
   • You may be required to create an account to access certain features of CreditClub.ai. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
   • You agree to provide accurate and complete information when creating your account and to update your information as necessary.
4. Earnings Disclaimer:
   • We share success stories and testimonials to illustrate the potential of our product/service. Please understand that results may vary and are not guaranteed. The success of each individual depends on factors like effort, dedication, and background. Past performance does not necessarily indicate future results. No income is guaranteed, and all business ventures have inherent risks that can influence actual earnings.
5. Intellectual Property:
   • The content, features, and functionality of CreditClub.ai, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, and software, are the property of CreditClub.ai or its licensors and are protected by copyright, trademark, and other intellectual property laws.
6. Prohibited Activities:
   • You agree not to engage in any of the following prohibited activities:
     • Use CreditClub.ai services in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site.
     • Attempt to gain unauthorized access to any part of CreditClub.ai services, accounts, computer systems, or networks.
     • Use any automated means to access or collect information from CreditClub.ai services without our express written permission.
     • Use CreditClub.ai services for any illegal or unauthorized purpose.
7. Privacy:
   • Our Privacy Policy governs the collection, use, and disclosure of your personal information. By using CreditClub.ai services, you consent to the terms of our Privacy Policy.
8. Disclaimer of Warranties:
   • CreditClub.ai services are provided on an "as is" and "as available" basis. We do not make any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
9. Limitation of Liability:
   • CreditClub.ai and its affiliates are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to loss of data, loss of profits, or business interruption.
10. Indemnification:
    • You agree to indemnify, defend, and hold harmless CreditClub.ai, its affiliates, officers, directors, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your use of CreditClub.ai services or your violation of these Terms.
11. Modifications:
    • CreditClub.ai reserves the right to modify, suspend, or discontinue any part of our services at any time without notice. We also reserve the right to modify these Terms at any time. Updated Terms will be posted on the Site, and your continued use of our services after the posting of such changes constitutes your acceptance of the modified Terms.
12. Governing Law and Dispute Resolution:
    • These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws principles.
    • Any dispute arising out of or relating to these Terms or your use of CreditClub.ai services shall be resolved exclusively in the state or federal courts located in Houston, Texas.
13. Lender and Credit Decisions:
    • CreditClub.ai is not a lender and does not make credit decisions. CreditClub.ai connects individuals with lenders from its network of approved partners. CreditClub.ai does not control, nor is it responsible for, the actions or inactions of any lender. We are not an agent, representative, or broker of any lender and do not endorse any specific lender. All loan approval decisions and terms are determined by the lender at the time of your application. The time to receive loan proceeds may vary between lenders, and in certain cases, additional documentation such as faxed materials may be required. Submitting your information through CreditClub.ai does not guarantee loan approval. You are under no obligation to accept any loan offer and may exit the process at any time. For specific details about your loan, please contact your lender directly. This service may not be available in all states.
14. Legal or Financial Advice:
    • The information provided by CreditClub.ai is for informational purposes only and should not be construed as legal advice or financial advice. We do not offer any legal, financial, or investment advice, and any decisions made based on the content provided are at your own risk. We strongly recommend consulting with a qualified professional for advice tailored to your specific situation before making any financial or legal decisions.
15. Contact Us:
    • If you have any questions or concerns regarding these Terms of Use, please contact us at:
      • Email: info@creditclub.ai
      • Address: 306 W. Pierce St.Houston, TX 77019

By accessing or using CreditClub.ai services, you acknowledge that you have read, understood, and agree to abide by these Terms of Use.