Terms and Conditions

Effective Date: [11-01-2025]

These Terms and Conditions (“Terms”) govern your access to and use of Credit Enforcer’s website, content, courses, consulting, and related services available at https://creditenforcer.com/ (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.

Contact: [email protected]
Postal: Credit Enforcer c/o PS Boyce Co, 5868 Westheimer RD Ste 353, Houston, TX 77057, United States

1. Acceptance of Terms

• These Terms are a binding agreement between you and Credit Enforcer (“Credit Enforcer,” “we,” “us,” “our”).
• Your use of the Services indicates your acceptance of these Terms, including any policies referenced herein.
• If you use the Services on behalf of an entity, you represent that you are authorized to bind that entity and “you” refers to that entity.

2. Eligibility

• You must be at least the age of majority in your jurisdiction (and in any event not under 16) to use the Services.
• The Services are intended primarily for business users and professionals.
• You may not use the Services if you are barred under applicable law or have been previously suspended or removed by us.

3. Accounts and Security

• Registration: Certain features (e.g., signing in, enrolling in courses, booking 1‑on‑1 sessions) require an account. You agree to provide accurate, current information and keep it updated.
• Credentials: You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us promptly of any unauthorized use.
• Our rights: We may refuse, suspend, or terminate accounts that violate these Terms or pose risk.

4. Permitted Use

You may access and use the Services solely:

• For lawful purposes, in accordance with these Terms and applicable laws;
• For personal or internal business use related to evaluating or engaging Credit Enforcer’s courses, resources, or consulting;
• In compliance with any usage limits or licensing terms presented at signup or purchase.

5. Prohibited Conduct

You agree not to:

• Violate laws or regulations, including privacy, IP, export, or anti‑spam laws;
• Interfere with the operation or security of the Services; attempt to probe, scan, or test vulnerabilities; bypass access controls;
• Use any robot, scraper, spider, or other automated means to access the Services without our prior written permission;
• Upload, post, or transmit content that is unlawful, misleading, defamatory, obscene, harassing, discriminatory, or otherwise objectionable;
• Infringe or misappropriate any intellectual property, privacy, or publicity rights;
• Impersonate any person or entity, or misrepresent your affiliation;
• Upload malicious code or engage in activities that introduce viruses, bots, or harmful scripts;
• Collect or harvest information about others without consent;
• Use the Services to develop or train competing products or for benchmarking without consent;
• Resell, sublicense, or commercially exploit the Services except as expressly permitted.

6. Intellectual Property Rights

• Ownership: The Services and all content therein, including text, graphics, logos, videos, course materials, blog posts, designs, and compilations (the “Credit Enforcer Content”), are owned by Credit Enforcer or its licensors and are protected by intellectual property laws.
• No implied license: Except for the limited license below, no rights are granted by implication or estoppel.
• Limited license: Subject to these Terms, we grant you a limited, revocable, non‑exclusive, non‑transferable license to access and use the Services and Credit Enforcer Content solely for your personal or internal business use.
• Restrictions: You may not copy, modify, translate, create derivative works from, distribute, sell, lease, publicly perform, publicly display, or otherwise exploit the Credit Enforcer Content without our prior written consent.
• Trademarks: CREDIT ENFORCER, associated logos, and other marks are trademarks of Credit Enforcer or its licensors. You may not use any marks without prior written permission.

7. User Content and License

• Your content: You may submit content (e.g., comments, reviews, questions, form inputs, assignments) (“User Content”). You retain ownership of your User Content.
• License to us: You grant Credit Enforcer a worldwide, non‑exclusive, royalty‑free, sublicensable, transferable license to host, store, reproduce, modify, create derivative works (solely for formatting or technical purposes), publish, perform, display, and otherwise use your User Content in connection with operating, improving, and promoting the Services.
• Representations: You represent and warrant that you have all rights necessary to grant the above license and that your User Content does not infringe any third‑party rights or violate any law.
• Moderation: We may, but are not obligated to, monitor, remove, or edit User Content at our discretion.

8. Purchases, Billing, and Refunds

• Some Services, including courses or sessions, may be fee‑based. Prices, taxes, and payment terms will be disclosed at purchase.
• Payments are processed by third‑party processors; we do not store full card numbers.
• Refunds, if any, are governed by the specific offer terms presented at purchase and applicable law.

9. Third‑Party Links and Services

• The Services may link to third‑party websites, tools, or services. We do not control and are not responsible for third‑party content, products, or practices.
• Your use of third‑party services is at your own risk and subject to their terms and policies.

10. Privacy

• Your use of the Services is subject to our Privacy Policy, which describes how we collect, use, and share information.
• By using the Services, you consent to processing in accordance with the Privacy Policy.

11. Anti‑Spam and Communications

• We send commercial communications only in accordance with our Anti‑Spam Policy and applicable law.
• You can manage your communication preferences or unsubscribe via provided mechanisms.

12. Disclaimers

• Informational purposes: The Services, including blog posts, resources, and course materials, are provided for educational and informational purposes only. They do not constitute legal, financial, or professional advice. Consult your advisors for specific guidance.
• “As is”: The Services and all content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, non‑infringement, title, accuracy, or that the Services will be uninterrupted, error‑free, secure, or free of harmful components.
• No guarantee of results: We do not warrant any specific business, receivables, or collection outcomes.

13. Limitation of Liability

To the fullest extent permitted by law:

• Indirect damages: Credit Enforcer and its owners, officers, employees, contractors, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenues, goodwill, data, or business interruption, arising from or related to the Services or these Terms, even if advised of the possibility of such damages.
• Cap: Our total liability for any claim arising out of or relating to the Services or these Terms will not exceed the greater of: (a) USD $100; or (b) the amounts you paid to us for the specific Service giving rise to the claim in the 3 months preceding the event.
• Exclusions: Some jurisdictions do not allow certain limitations; in such cases, the limitations apply to the maximum extent permitted.

14. Indemnification

You agree to defend, indemnify, and hold harmless Credit Enforcer and its owners, officers, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use or misuse of the Services;
• Your User Content;
• Your violation of these Terms or applicable law;
• Your infringement or misappropriation of any intellectual property or other rights.

15. Suspension and Termination

• By you: You may stop using the Services and, where applicable, delete your account at any time.
• By us: We may suspend or terminate your access immediately, with or without notice, if we believe you violated these Terms, pose a security or legal risk, or for inactivity or non‑payment (where applicable).
• Effects: Upon termination, the licenses granted to you terminate and you must cease using the Services. Sections that by nature should survive (e.g., IP ownership, disclaimers, limitations, indemnities, governing law, dispute resolution) will survive.

16. Changes to the Services

We may modify, suspend, or discontinue any part of the Services at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation.

17. Updates to These Terms

We may revise these Terms from time to time. The “Effective Date” above indicates the latest version. If changes are material, we will take reasonable steps to notify you (e.g., by posting on the site or emailing account holders). Your continued use after the effective date constitutes acceptance of the revised Terms.

18. Export and Sanctions Compliance

You represent that you are not located in, under the control of, or a national/resident of any country or entity embargoed by the United States and that you will comply with all applicable export control and sanctions laws.

19. Feedback

If you provide suggestions, ideas, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty‑free license to use and exploit the feedback without restriction or compensation.

20. Beta Features

Any beta or trial features are provided “as is,” may be modified or discontinued at any time, and may be subject to additional terms.

21. Course and Consulting Materials

• License: Course videos, worksheets, and consulting materials are licensed to you for your individual or internal business use only and may not be shared, reposted, or redistributed without written permission.
• No recording: You may not record 1‑on‑1 sessions without mutual written consent.

22. DMCA and IP Complaints

If you believe content infringes your copyright, email [email protected] with: (a) your contact info; (b) a description and location of the copyrighted work and alleged infringement; (c) a statement of good‑faith belief; (d) a statement under penalty of perjury that the information is accurate and that you are the owner or authorized to act; and (e) your physical or electronic signature. We may remove content and, where appropriate, terminate repeat infringers.

23. Governing Law

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict of law principles.

24. Dispute Resolution; Venue; Jury Trial Waiver

• Informal resolution: Before filing a claim, you agree to first contact us at [email protected] and attempt to resolve the dispute informally within 30 days.
• Venue: Subject to any mandatory law, you agree that the state and federal courts located in Harris County, Texas shall have exclusive jurisdiction and venue over all disputes arising out of or relating to these Terms or the Services.
• Injunctive relief: Either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property or confidential information.
• Jury trial waiver: To the extent permitted by law, both parties waive any right to a jury trial.
• Class action waiver: To the extent permitted by law, disputes must be brought in an individual capacity and not as a class or representative action.

25. Severability

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will continue in full force and effect.

26. Entire Agreement; No Waiver

These Terms, together with any supplemental terms or policies referenced herein (e.g., Privacy Policy, Anti‑Spam Policy, specific offer terms), constitute the entire agreement between you and Credit Enforcer regarding the Services and supersede all prior understandings. Failure to enforce any provision is not a waiver of our rights.

27. Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations without restriction, including in connection with a merger, acquisition, or sale of assets.

28. Notices

We may provide notices by posting to the site, emailing the address associated with your account, or by other reasonable means. You consent to electronic communications and agree they satisfy legal requirements for written notice.

29. Contact

• Email: [email protected]
• Postal: Credit Enforcer c/o PS Boyce Co, 5868 Westheimer RD Ste 353, Houston, TX 77057, United States

Revision History

• v1.0 — 11-01-2025: Initial publication.