Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the My Credit Sharks website and credit repair services (collectively, the “Services”). By accessing our website or enrolling in our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our Services.

You must be at least 18 years of age and legally able to enter into a binding agreement to use our Services. By using our Services, you represent and warrant that you meet these requirements.

My Credit Sharks provides professional credit repair assistance, including reviewing your credit reports to identify information that may be inaccurate, outdated, or unverifiable, and assisting with appropriate dispute processes on your behalf. We also provide ongoing progress updates throughout your service period.

We do not guarantee that any specific item will be deleted from your credit report or that any particular credit score will be achieved. Individual results vary based on your individual reports and circumstances.

All clients must maintain an active Credit Hero Score monitoring subscription throughout their credit repair service period. Credit monitoring is paid separately and is not included in the advertised My Credit Sharks package prices. You are responsible for activating and maintaining your required monitoring subscription through our approved enrollment link.

The advertised Black Friday prices represent the total package or six-month price and are subject to a legally compliant payment schedule. No payment is collected before credit repair services have been performed as required by federal and applicable state credit repair laws. Payment processing, when enabled, is handled by our approved payment processor, and we do not store raw credit card details in our application database.

Additional pricing and payment terms are described in our Credit Repair Service Agreement, which is incorporated by reference into these Terms.

We do not guarantee the deletion of any specific item from your credit report or that any particular credit score will be achieved. Credit scores are influenced by many factors beyond credit repair, and individual results vary. We assist with appropriate disputes, but outcomes depend on your individual reports and applicable legal requirements.

You may cancel without charge within the federal 3-business-day cancellation window before services are performed, as described in our Credit Repair Service Agreement. Additional cancellation rights may apply under applicable state credit repair laws.

You agree to provide accurate and complete information when using our Services, to maintain the required credit monitoring subscription, and to respond to communications from My Credit Sharks in a timely manner. We are not responsible for delays or outcomes resulting from incomplete, inaccurate, or missing information you provide.

You agree not to:

• Use our Services for any unlawful purpose or in violation of any applicable law.
• Misrepresent your identity or provide false information.
• Attempt to access, disrupt, or interfere with the security or proper functioning of our website or Services.
• Use our Services in a manner that could harm, disable, overload, or impair our website or Services.

All content on our website, including text, graphics, logos, and design elements, is the property of My Credit Sharks or its licensors and is protected by intellectual property laws. You may not copy, reproduce, or distribute our content without our prior written permission, except as permitted by law.

To the maximum extent permitted by law, My Credit Sharks shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Services. Our total liability for any claim arising out of these Terms or the Services shall not exceed the amounts you paid us for the Services giving rise to the claim.

You agree to indemnify and hold harmless My Credit Sharks and its affiliates from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your misuse of our Services, your violation of these Terms, or your breach of any representation or warranty.

Our Services may reference or integrate with third-party services, including our credit monitoring provider and payment processor. We do not control and are not responsible for the practices, terms, or availability of third-party services. Your use of third-party services is governed by their respective terms and privacy policies.

We may suspend or terminate your access to our Services if you violate these Terms or if we reasonably believe you are using our Services in a manner that is unlawful or harmful to us or others. Upon termination, the terms that by their nature should survive will remain in effect.

We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page. Your continued use of our Services after changes take effect constitutes your acceptance of the revised Terms.

These Terms are governed by applicable federal and state credit repair laws and the laws of the jurisdiction in which My Credit Sharks operates, without regard to conflict-of-law principles. Any disputes arising out of these Terms or the Services shall be resolved through the dispute resolution process described in your service agreement or as otherwise required by law.

These Terms, together with our Credit Repair Service Agreement and Privacy Policy, constitute the entire agreement between you and My Credit Sharks regarding the Services. In the event of a conflict, the Credit Repair Service Agreement controls with respect to the credit repair services described therein.

If you have questions about these Terms, please contact My Credit Sharks through the contact channels provided during enrollment.