TERMS OF SERVICE

Effective Date: January 14, 2026

Welcome to Credspire. By accessing or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.

1. Company Information

Credspire
📍 5952 Wellington Peak Rd., Las Vegas, NV 89148
📞 888-787-8161
📧 [email protected]

2. Services Provided

Credspire provides credit education, credit analysis, and assistance with improving personal credit profiles. We do not guarantee specific results or credit score increases.

3. Eligibility

You must be at least 18 years old to use our services and opt in to receive SMS communications.

By using our services, you confirm that:

You are legally able to enter into an agreement

All information you provide is accurate and truthful

4. No Guarantee of Results

Credspire does not guarantee:

Specific credit score increases

Removal of all negative items

Approval for loans or credit products

Results vary based on individual credit history and financial behavior.

5. Payment Terms

Payments for services are billed as agreed during enrollment

Fees are non-refundable unless otherwise stated in writing

Services may be paused or terminated for non-payment

6. Client Responsibilities

By using our services, you agree to:

Provide accurate and complete information

Respond promptly to requests

Not submit false, misleading, or fraudulent information

Continue making payments on existing credit obligations

Failure to comply may affect results and service quality.

7. SMS & Communication Consent

By providing your phone number, you consent to receive:

Service-related messages

Appointment reminders

Account updates

Message and data rates may apply. You may opt out at any time by replying STOP.

8. Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

All categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

9. Cancellation Policy

You may cancel services at any time by contacting us at [email protected].

Depending on your agreement:

Cancellation may take effect at the next billing cycle

Work already performed is non-refundable

10. Limitation of Liability

Credspire is not liable for:

Credit decisions made by lenders

Financial losses or damages

Errors caused by third-party credit bureaus

All services are provided “as is” without warranties of any kind.

11. Compliance Disclaimer

Credspire complies with applicable laws, including the Credit Repair Organizations Act (CROA).

You have the right to:

Cancel services within 3 business days without charge

Receive a written contract outlining your rights

12. Intellectual Property

All content, materials, and branding provided by Credspire are protected and may not be copied, distributed, or used without permission.

Eligibility You must be at least 18 years old to use our services and opt in to receive SMS communications. Mobile Information Sharing No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

13. Changes to Terms

We reserve the right to update these Terms at any time. Updates will be posted on our website with a revised effective date.

14. Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages. Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

For any questions or concerns, please contact us:

📧 [email protected]
📞 888-787-8161