Terms of Service

Last updated: May 2026  ·  Effective immediately

1. Acceptance of terms

By creating an account or using BizCredBuildr ("Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of service

BizCredBuildr provides tools to help business owners track and organize their business credit-building activities, including:

• Net-30 vendor account tracking and recommendations
• Payment schedule management
• Lender qualification analysis (informational only)
• AI-generated credit strategy guidance
• Equipment financing lead submission

3. Eligibility

You must be at least 18 years old and operating a legitimate business entity to use BizCredBuildr. By creating an account, you represent that you meet these requirements.

4. Account responsibilities

• You are responsible for maintaining the security of your account credentials
• You must provide accurate business information
• You may not share your account with others
• You may not use the Service for any illegal purpose
• You may not attempt to reverse-engineer, scrape, or abuse the platform

5. Subscription and billing

BizCredBuildr offers paid subscription plans (Starter, Builder). By subscribing:

• You authorize us to charge your payment method on a recurring basis
• Subscriptions auto-renew until cancelled
• You may cancel at any time; access continues until the end of the billing period
• We do not offer refunds for partial billing periods
• Trial periods (7 days) are available for new accounts; one trial per person

6. No financial advice

Nothing on BizCredBuildr constitutes financial, legal, or credit repair advice. AI-generated recommendations are informational only and should not be relied upon as professional guidance. Always consult a qualified financial advisor before making significant financial decisions.

7. No guarantees

We do not guarantee that using BizCredBuildr will result in credit approvals, score improvements, or any specific financial outcome. Business credit is determined by lenders based on many factors outside our control.

8. Intellectual property

BizCredBuildr and all associated software, design, and content are owned by us and protected by copyright. You may not copy, reproduce, or distribute any part of the Service without written permission.

9. Limitation of liability

To the maximum extent permitted by law, BizCredBuildr shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to lost profits, lost data, or credit decisions made by third-party lenders.

You agree that any claim you bring must be filed within one (1) year after it arises, or it is permanently barred, to the extent permitted by law.

10. Disclaimer of warranties

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any dispute, application, or credit outcome will succeed. Credit bureaus, furnishers, and lenders are independent third parties whose decisions we do not control.

11. Binding arbitration and class action waiver

Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration, and not in court, except that either party may bring a claim in small claims court.

YOU AND BIZCREDBUILDR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class proceeding.

If this class action waiver is found unenforceable, then the entirety of this arbitration section shall be void. Nothing in these Terms waives any right you have under the Credit Repair Organizations Act, the Fair Credit Reporting Act, or any other consumer protection statute that cannot lawfully be waived.

12. Indemnification

You agree to indemnify and hold harmless BizCredBuildr, its owners, and its affiliates from any claim, loss, or expense (including reasonable attorneys' fees) arising from: (a) information you provide that is false, inaccurate, or not yours to provide; (b) your use of the Service to dispute information you know to be accurate; (c) your violation of these Terms or of any law; or (d) your submission of applications, disputes, or documents generated through the Service.

13. Your rights under the Credit Repair Organizations Act

You have the right to dispute inaccurate information on your credit report yourself, for free, by contacting the credit bureaus directly. You can obtain a free copy of your credit report from each nationwide credit bureau at AnnualCreditReport.com. Nothing this Service does requires payment to exercise those rights.

Neither we nor anyone else can lawfully remove accurate, current, and verifiable information from your credit report. We do not dispute information you tell us is accurate, and we make no promise that any specific item will be removed or that your score will change by any amount.

You may cancel your contract with us, without penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed the contract. You may also cancel your subscription at any time thereafter.

You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This right cannot be waived by any provision of these Terms.

14. Termination

We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or abuse the platform. You may delete your account at any time.

15. Changes to terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the updated Terms. We will notify you of material changes via email.

16. Governing law

These Terms are governed by the laws of the United States. Any disputes shall be resolved through binding arbitration.

17. Contact

Questions about these Terms? Contact us at: legal@bizcredbuildr.com