Terms & Conditions

Affiliate & Referral Disclosure

Credit Advise may receive compensation from third-party providers for referrals. You acknowledge that:

• We may earn referral fees, commissions, or other compensation
• Recommendations may be influenced by commercial relationships
• You are not obligated to accept any third-party offers

Authorization to Share Information

By creating an account, using the Credit Advise platform, or submitting information through our website or portal, you acknowledge and agree that:

• You are voluntarily providing personal and financial information to Credit Advise.
• You authorize Credit Advise to use this information to provide credit improvement tools and services.
• You authorize Credit Advise to share information you choose to submit with third-party partners when you request services, submit applications, or interact with financial product recommendations through the platform.

Information may be shared with third-party providers for purposes that include: evaluating eligibility for financial products, processing credit or loan applications, providing credit monitoring services, providing debt settlement or financial services, and delivering financial product recommendations. Credit Advise only shares information necessary to facilitate the services or requests you initiate.

Third-Party Services

Third-party financial service providers operate independently from Credit Advise. Credit Advise does not control third-party approval decisions, does not guarantee loan or credit approvals, and is not responsible for the policies or practices of third-party providers. Users should review the terms and privacy policies of any third-party services they choose to engage with.

Consent to Electronic Communication

By using the Credit Advise platform you consent to receive communications from Credit Advise and its service partners electronically, including email communications, platform notifications, SMS messages (where consent is provided), and account alerts and updates. You may opt out of certain communications at any time.

No Refund Policy

All payments made to Credit Advise are final and non-refundable under all circumstances. You acknowledge and agree that:

• No refunds will be issued for any reason, including partial use, dissatisfaction, or lack of results
• This applies to all fees, subscriptions, memberships, and services

120-Day Guarantee

Credit Advise offers a 120-day satisfaction guarantee, which:

• Permits cancellation within the applicable 120-day period
• Is subject to program terms and eligibility criteria

This guarantee does not include or imply refunds of any kind.

Billing, Subscriptions & Payment Authorization

By enrolling in any Credit Advise service, you authorize us (and our third-party payment processors) to:

• Charge your provided payment method for all applicable fees
• Process recurring payments (where applicable)
• Retry failed or declined transactions

You agree that:

• You are responsible for ensuring sufficient funds are available
• Failed payments may result in additional fees, service interruption, or termination
• We may update billing dates or payment schedules where operationally required

Payment Processors

Credit Advise uses third-party payment processors to facilitate transactions. By using our Services, you acknowledge and agree that:

• Payments are processed securely by third-party providers
• You may also be subject to the terms and conditions of those providers
• Credit Advise is not responsible for processor errors, outages, or security breaches

Chargebacks & Payment Disputes (Strict Policy)

You agree not to initiate chargebacks, reversals, or payment disputes without first contacting Credit Advise to resolve the issue. Improper or abusive disputes include (but are not limited to):

• Attempting to reverse valid charges
• Claiming services were not provided when access was granted
• Ignoring clearly disclosed "no refund" terms

If a chargeback or dispute is initiated:

• Your account may be immediately suspended or terminated
• The balance may be sent to collections
• You may be liable for all associated fees, including administrative, legal, and recovery costs

We reserve the right to dispute any chargeback and provide evidence of your agreement to these Terms.

Defaults, Collections & Credit Reporting

You agree that:

• Any unpaid balance may be assigned or sold to a third-party collection agency
• Your account and payment history may be reported to credit bureaus
• Such reporting may negatively impact your credit score

You agree to reimburse Credit Advise for:

• Collection costs
• Legal fees (where permitted by law)
• Administrative recovery fees

AI Dispute and Document Generation Disclaimer

Credit Advise provides AI-powered tools that assist users in generating dispute letters, creditor correspondence, and debt settlement offers. These tools are designed to help users prepare documents that they may choose to submit to credit bureaus, creditors, lenders, or collection agencies. Documents generated through the Credit Advise platform may contain personal or financial information depending on the details entered by the user.

By using these tools you acknowledge and agree that:

• Credit Advise only provides document generation tools and templates.
• All documents generated through the platform are reviewed, edited, and submitted solely by the user.
• It is the user's responsibility to verify the accuracy of all information contained in any document before sending or submitting it.
• Users are responsible for adding, removing, or redacting any personal information prior to submitting documents.

Many creditors, lenders, and collection agencies may require proof of identity when responding to disputes or settlement requests. Users are responsible for determining what information is necessary to include in their submissions. Credit Advise does not submit disputes or settlement offers on behalf of users and does not communicate with creditors, lenders, or credit reporting agencies on a user's behalf unless explicitly stated in a separate written agreement. Users are solely responsible for any documents they choose to send using materials generated through the Credit Advise platform.

No Guarantee of Results

Credit Advise provides software tools, educational resources, and automated document generation features designed to assist users in understanding and addressing items that may appear on their credit reports. Credit Advise does not guarantee:

• The removal of any credit report item
• Acceptance of any dispute by a credit reporting agency
• Acceptance of any settlement offer by a creditor or collection agency
• Any increase in a user's credit score
• Approval for any loan, credit card, mortgage, or other financial product

Credit Advise does not control the actions, policies, or decisions of credit bureaus, lenders, creditors, debt collectors, or other third parties. All decisions regarding credit reporting, lending, settlements, and account status are made solely by those third parties. Submitting disputes, creditor correspondence, or settlement offers through documents generated by the Credit Advise platform does not guarantee any outcome.

No Legal or Financial Advice

The information, tools, AI-generated content, and materials provided through the Credit Advise platform are intended for informational and educational purposes only. Credit Advise does not provide legal advice, financial advice, tax advice, or credit counseling services. Users should seek advice from qualified professionals such as licensed lawyers, financial advisors, or credit counselors when appropriate.

User Responsibility for Information Accuracy

Users are responsible for ensuring that any information they provide to the Credit Advise platform is accurate, complete, and lawful. Credit Advise relies on information provided by users in order to generate recommendations, analysis, and documents. Credit Advise is not responsible for errors, omissions, or consequences resulting from inaccurate information submitted by users.

Limitation of Liability

To the maximum extent permitted by law, Credit Advise shall not be liable for:

• Any loss of credit score, financial opportunity, or lending approval
• Decisions made by lenders, credit bureaus, or third parties
• Errors or omissions in AI-generated content
• Service interruptions, delays, or technical issues

Your use of the Services is entirely at your own risk.

Maximum Liability Cap

Where liability cannot be excluded, you agree that Credit Advise's total liability shall not exceed the total amount paid by you within the previous 3 months of service.

Indemnification

By using the Credit Advise platform, users agree to indemnify and hold harmless Credit Advise, its affiliates, officers, employees, contractors, and partners from any claims, damages, liabilities, costs, or legal expenses arising from misuse of the platform, submission of inaccurate or fraudulent information, improper use of documents generated by the platform, or violations of applicable laws or regulations.

Fraud, Misuse & Platform Abuse

You agree not to:

• Provide false, misleading, or fraudulent information
• Use the platform for unlawful or abusive purposes
• Attempt to manipulate, exploit, or reverse-engineer our systems

We reserve the right to:

• Suspend or terminate accounts
• Deny access to Services
• Pursue legal action where necessary

Electronic Agreement & Consent

By using this website and Services, you agree that:

• This agreement is legally binding and enforceable
• Electronic acceptance constitutes valid consent
• Electronic records may be used as evidence in disputes

Credit Information and Soft Credit Check Authorization

Where applicable, users may be presented with opportunities to access credit monitoring services or financial products through third-party partners. By requesting such services, users authorize Credit Advise and its partners to access relevant credit information where permitted by law and where explicit consent is provided. Credit Advise itself does not make lending decisions and does not guarantee credit approval.

Intellectual Property Rights

All software, AI systems, content, branding, graphics, and materials provided through the Credit Advise platform are the intellectual property of Credit Advise or its licensors. Users are granted a limited, non-transferable license to use the platform for personal use only. Users may not copy or reproduce platform software, reverse engineer platform systems, resell or commercially exploit platform tools, or distribute AI-generated templates as proprietary products.

Account Suspension or Termination

Credit Advise reserves the right to suspend, restrict, or terminate accounts that violate these terms, engage in suspicious or fraudulent activity, or misuse the platform. Users may cancel their account at any time by contacting support or using account settings where available.

Class Action Waiver

To the fullest extent permitted by law, you agree that:

• Any disputes shall be brought on an individual basis only
• You waive any right to participate in class actions, group claims, or representative proceedings

Arbitration

At our discretion, any dispute, claim, or controversy arising out of or relating to these Terms or the Services may be resolved through binding arbitration in Alberta, Canada. You agree that:

• Arbitration will replace court proceedings where applicable
• Decisions of the arbitrator are final and binding

Modifications to Services & Pricing

We reserve the right to:

• Modify pricing, features, and service offerings at any time
• Introduce new fees or billing structures

Continued use of the Services constitutes acceptance of such changes.

Updates to Terms

Credit Advise may modify or update these terms periodically. Updated versions will be posted on the website and will become effective upon posting unless otherwise stated. Continued use of the platform after updates constitutes acceptance of the revised terms.

AI System Disclosure

Credit Advise utilizes artificial intelligence (AI) technologies to assist users with credit analysis, document generation, recommendations, and financial education tools. AI systems may analyze information submitted by users in order to generate suggestions, dispute templates, settlement letters, or credit improvement guidance. AI-generated content is provided for informational and convenience purposes only. AI outputs may contain errors, omissions, or incomplete information. Users are responsible for reviewing and verifying any AI-generated recommendations or documents prior to using them. Credit Advise does not guarantee the accuracy, completeness, or effectiveness of AI-generated outputs.

Financial Marketplace Disclosure

Credit Advise may operate as a financial product marketplace that introduces users to financial institutions and service providers including lenders, credit card issuers, financing companies, credit monitoring providers, and other financial service organizations. Financial product recommendations may be based on user-provided information, eligibility indicators, or algorithmic matching systems. Credit Advise may receive compensation from financial partners when users apply for financial products, are approved for financial products, or purchase third-party services. Compensation arrangements do not influence credit approval decisions made by third-party providers. All lending decisions, pricing, and approval criteria are determined solely by the financial institutions providing those products.

Marketing Consent and CASL Compliance

By creating an account, submitting information, or interacting with the Credit Advise platform, users consent to receiving electronic communications in accordance with Canada's Anti-Spam Legislation (CASL). These communications may include service notifications, account updates, credit improvement tips, product recommendations, and promotional offers from Credit Advise or its partners. Users may withdraw consent or unsubscribe from marketing communications at any time using the unsubscribe mechanisms provided in communications or by contacting Credit Advise.

Fraud Prevention and Identity Verification

Credit Advise may implement identity verification procedures, fraud detection systems, and risk monitoring tools to protect the integrity of the platform and prevent misuse. Users may be required to provide additional information to verify identity when submitting disputes, accessing credit data, or requesting financial product referrals. Credit Advise reserves the right to refuse service or suspend accounts where fraudulent activity or identity misuse is suspected.

API and Data Integration Disclaimer

The Credit Advise platform may integrate with third-party technology providers, APIs, financial data providers, and credit monitoring services. While Credit Advise works with reputable technology partners, the platform does not guarantee the availability, accuracy, or uninterrupted operation of third-party systems. Credit Advise shall not be liable for errors, delays, or interruptions caused by third-party systems or data providers.

Platform Availability Disclaimer

Credit Advise strives to maintain reliable platform availability; however, the website and software services are provided on an "as available" and "as is" basis. Credit Advise does not guarantee uninterrupted or error-free access to the platform. Temporary interruptions may occur due to maintenance, system updates, technical issues, or third-party service disruptions.

Survival Clause

All provisions relating to: payments, no refunds, liability, indemnification, collections, and dispute resolution shall survive termination of your account or Services.

Information & AI Disclaimer

All content, materials, and AI-generated outputs provided by Credit Advise are deemed reliable but are provided without any warranty or guarantee of accuracy, completeness, or timeliness. Such information is for general informational purposes only and does not constitute legal, financial, or professional advice. Users assume full responsibility for any actions taken based on such information and are advised to seek independent professional advice.

Entire Agreement

These Terms, together with the Privacy Policy and any additional disclosures presented within the Credit Advise platform, constitute the entire agreement between users and Credit Advise regarding use of the services. If any provision of these terms is determined to be unenforceable under applicable law, the remaining provisions shall remain in full force and effect.

Contact

Credit Advise — Omni Group
540 333 5th Avenue SW , Calgary, AB T2P 3B6
Phone: 1-866-530-3646
Email: info@creditadvise.ca