Terms of Service
Last updated: [COUNSEL SLOT — not legally binding until completed]
These terms govern your use of the Credit Educators course and community — an educational service, not a credit repair organization.
This page is a scaffold. The plain-language notes below describe what each section will cover; the binding language is provided by counsel and is not in force until the slots are completed.
Acceptance and eligibility
Who may use the service and how accepting these terms forms the agreement between you and Credit Educators.
[COUNSEL SLOT — not legally binding until completed]
What the service is
Credit Educators provides education: a course and a community that teach you to understand and work your own credit. It is not credit repair, and we do not act on your behalf.
[COUNSEL SLOT — not legally binding until completed]
Your account and acceptable use
Your responsibilities for your account, accurate information, and acceptable conduct in the course and community.
[COUNSEL SLOT — not legally binding until completed]
Payment and subscriptions
Paid plans are billed on a recurring basis; the full billing and auto-renewal terms are on the Subscription / Auto-Renewal Terms page.
[COUNSEL SLOT — not legally binding until completed]
Intellectual property
Ownership of the course material, community content, and the limited license granted to you as a member.
[COUNSEL SLOT — not legally binding until completed]
Disclaimers and limitation of liability
The service is education only and is provided without warranties of any kind; the limits of our liability are set out here.
[COUNSEL SLOT — not legally binding until completed]
Governing law, changes, and contact
The governing law, how we notify you of changes, and how to reach us with questions about these terms.
[COUNSEL SLOT — not legally binding until completed]