Terms & Conditions

Terms & Conditions for GOTCREDIT.COM

Effective Date: January 1, 2025

Welcome to www.gotcredit.com ("Website"), owned and operated by Got Credit Management, LLC, doing business as Got Credit? ("Got Credit?"). By accessing or using the Website, you agree to comply with and be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use the Website.

1. Acceptance of Terms

By accessing or using the Website, you confirm that you have read, understood, and agreed to these Terms. Additional terms may apply to specific features, services, or offerings provided through the Website, and by using those features, you agree to be bound by such additional terms.

2. User Eligibility

• Minimum Age: You must be at least 18 years old to use this Website. By accessing or using the Website, you represent and warrant that you meet this age requirement.

• Entity Representation: If you access the Website on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

3. Services Provided

Got Credit? provides credit repair and related services. Please note:

• Legal Disclaimer: Got Credit? does not provide legal, tax, or financial advice. All services are offered in compliance with the Credit Repair Organizations Act ("CROA") and other applicable laws.

• Service Limitations: Results are not guaranteed, and outcomes may vary depending on individual credit histories and actions.

4. Intellectual Property

• Ownership: The Website and its content, including but not limited to text, graphics, logos, images, videos, and software, are the exclusive property of Got Credit? or its licensors.

• Prohibited Use: You may not copy, distribute, modify, display, perform, publish, license, create derivative works from, or sell any part of the Website without prior written consent from Got Credit?.

5. User Conduct

You agree not to:

1. Use the Website in violation of any applicable laws or regulations.

2. Interfere with or disrupt the Website’s functionality.

3. Attempt unauthorized access to any part of the Website.

4. Use the Website to distribute harmful code (e.g., viruses, malware).

5. Post or transmit defamatory, obscene, or illegal content.

6. Use the Website for commercial purposes without explicit written permission.

6. User Content

• License Grant: By submitting content to the Website, you grant Got Credit? a non-exclusive, royalty-free, perpetual, and sublicensable license to use, reproduce, modify, distribute, and display your content.

• Responsibility: You are solely responsible for any content you upload, post, or share on the Website. Got Credit? reserves the right to remove any content that violates these Terms.

7. Privacy Policy

Your use of the Website is subject to our Privacy Policy, which explains how we collect, use, and disclose your personal information. By using the Website, you consent to the data practices described in the Privacy Policy.

8. Disclaimer of Warranties

The Website is provided on an "as is" and "as available" basis. Got Credit? disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee the accuracy, reliability, or completeness of the content or services provided through the Website.

9. Limitation of Liability

To the maximum extent permitted by law:

• Got Credit? shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to loss of profits, data, or goodwill, arising from your use of the Website or services.

• The total liability of Got Credit? for any claims related to the Website or services shall not exceed the amount paid by you, if any, for accessing the Website or services in the past 12 months.

10. Modifications to Terms

Got Credit? reserves the right to update or modify these Terms at any time without prior notice. Any changes will become effective immediately upon posting the revised Terms on the Website. Continued use of the Website after such modifications constitutes your acceptance of the updated Terms.

11. Termination

Got Credit? reserves the right to suspend or terminate your access to the Website at any time, for any reason, without notice. Upon termination, all provisions of these Terms that should survive termination shall remain in effect.

12. Compliance with Laws

You agree to comply with all applicable laws and regulations while using the Website, including but not limited to the Credit Repair Organizations Act (CROA).

13. Governing Law and Dispute Resolution

• Governing Law: These Terms shall be governed by the laws of the State of New Jersey, without regard to its conflict of laws principles.

• Dispute Resolution: Any disputes arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in New Jersey. By using the Website, you consent to the jurisdiction and venue of such courts.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms constitute the entire agreement between you and Got Credit? regarding the use of the Website and supersede all prior agreements, communications, and understandings.

16. Contact Information

If you have any questions or concerns about these Terms, please contact us:

• Email: [email protected]

• Mailing Address: Got Credit Management, LLC, 331 Newman Springs Road, Suite 143, Red Bank, NJ 07701

 Please note that these Terms and Conditions are subject to change without prior notice, and it is your responsibility to review and understand the most recent version available on the Website.