Terms of Service

1. Acceptance of Terms

By accessing or using Credit Tutor AI, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

Credit Tutor AI is an educational platform that provides AI-powered credit education, score analysis, and personalized insights. Our service is designed to help you understand and improve your credit health through education and tools.

3. Not Financial Advice

Credit Tutor AI provides educational information only. We are not a credit repair organization, financial advisor, or credit counseling service. The information and tools we provide should not be considered financial, legal, or credit repair advice. Always consult with a qualified professional for specific financial decisions.

4. Account Responsibilities

You are responsible for:

• Maintaining the security of your account credentials
• All activity that occurs under your account
• Providing accurate and truthful information
• Notifying us of any unauthorized use of your account

5. Subscriptions and Payments

Paid subscriptions are billed on a recurring monthly basis. Payments are processed securely through Stripe. You may cancel your subscription at any time through your account settings or the Stripe customer portal. Cancellations take effect at the end of the current billing period.

6. Acceptable Use

You agree not to:

• Use the service for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Share your account credentials with others
• Reverse engineer, decompile, or disassemble any part of the service
• Use automated tools to scrape or extract data from the platform

7. Limitation of Liability

Credit Tutor AI is provided "as is" without warranties of any kind. We are not liable for any damages arising from your use of the service, including but not limited to changes in your credit score, financial losses, or decisions made based on information provided by our platform.

8. Modifications

We reserve the right to modify these terms at any time. We will notify users of material changes via email or through the platform. Continued use of the service after changes constitutes acceptance of the updated terms.

9. Termination

We may terminate or suspend your account at our discretion if you violate these terms. You may delete your account at any time by contacting us.

10. Contact

For questions about these Terms of Service, contact us at info@credittutor.ai.