Creditveto Terms Of Service

Welcome to CreditVeto. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User" or "You") and CreditVeto Inc ("CreditVeto," "Company," "We," "Us," or "Our"). By accessing or using CreditVeto’s software platform, you agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations. If you do not agree, you must immediately cease using our platform.

CreditVeto provides a cloud-based credit repair platform that enables independent credit repair agents and businesses ("Agents") to manage disputes, communicate with clients, and automate credit repair processes. We also offer tools for consumers to track and improve their credit standing. Our platform does not guarantee specific credit outcomes, as credit repair is subject to legal and regulatory limitations.

To use our services, you must be at least 18 years old and capable of entering into a legally binding agreement. By using CreditVeto, you affirm that you meet these criteria.

CreditVeto is a technology provider and does not offer credit repair services directly. All Agents using our platform operate as independent entities, and CreditVeto assumes no liability for their actions, representations, or guarantees. Agents are not employees, partners, or representatives of CreditVeto, and they bear sole responsibility for compliance with applicable laws, including but not limited to the Credit Repair Organizations Act (CROA).

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• Agent Subscriptions: Agents must maintain an active subscription to access platform features. Subscription fees are billed monthly and are non-refundable.
• Consumer Subscriptions: Consumers may subscribe to credit repair tracking tools, subject to applicable fees.
• Payment Processing: Payments are processed via third-party payment providers. By using our services, you agree to the terms of those providers.
• Fee Adjustments: CreditVeto reserves the right to modify fees with prior notice.

All Users, including Agents, must comply with applicable federal and state laws, including:

• The Credit Repair Organizations Act (CROA)
• The Fair Credit Reporting Act (FCRA)
• The Telephone Consumer Protection Act (TCPA)
• The Gramm-Leach-Bliley Act (GLBA)
• State-specific credit repair and consumer protection laws

Failure to adhere to these legal requirements may result in account suspension or termination.

Users may not:

• Provide false or misleading information.
• Guarantee specific credit score improvements.
• Engage in fraudulent or deceptive practices.
• Use CreditVeto to engage in illegal activities.
• Attempt to circumvent security measures.

CreditVeto provides its platform "as is" and disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. We are not liable for indirect, incidental, or consequential damages arising from platform use. Our total liability, under any claim, shall not exceed the amount paid by you in the last three months.

We reserve the right to suspend or terminate any User account at our discretion if we determine that the User has violated these Terms or applicable laws.

Disputes shall be resolved through binding arbitration in accordance with the laws of Texas. Users waive the right to class action claims.

Users agree to our Privacy Policy, which governs data collection, storage, and use. We implement industry-standard security measures to protect sensitive data.

CreditVeto reserves the right to update these Terms at any time. Continued use of the platform after modifications constitutes acceptance of the revised Terms.

This Agreement and any dispute arising out of or related to it shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws principles.

You agree that any legal action or proceeding arising under or relating to this Agreement shall be brought exclusively in the state or federal courts located in Dallas County, Texas, and you hereby consent to the personal jurisdiction and venue of such courts.

For inquiries, please contact us at [email protected].