Terms of Service

1. Acceptance of Terms

By accessing or using the Credit Utilization service ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you and Credit Utilization ("we," "us," or "our").

2. Description of Service

Credit Utilization is a subscription service that makes automatic recurring charges to your designated payment card on a monthly basis. The purpose of these charges is to create a small, consistent balance on your card, which is intended to maintain a low credit utilization ratio (approximately 5%) relative to your credit limit. We do not guarantee any specific improvement to your credit score. Credit scores are calculated by third-party credit bureaus using proprietary algorithms, and results will vary based on your individual credit profile and other factors outside our control.

3. Subscription Plans & Billing

• •Plans: We offer three monthly subscription plans: Starter ($5/month), Standard ($10/month), and Premium ($15/month). Plan selection should be based on your card's credit limit as described on our pricing page.
• •Recurring Billing: By subscribing, you authorize us to charge your payment card the applicable monthly fee on a recurring basis until you cancel.
• •Billing Date: Your card will be charged on the same calendar date each month as your initial subscription date.
• •Price Changes: We reserve the right to change subscription prices with at least 30 days' advance notice via email.
• •Failed Payments: If a payment fails, we may retry the charge. Continued failure may result in suspension or cancellation of your subscription.

4. Cancellation & Refunds

• •Cancellation: You may cancel your subscription at any time by contacting us at [email protected]. Cancellation takes effect at the end of the current billing period.
• •Refunds: Monthly subscription fees are generally non-refundable. If you believe a charge was made in error, contact us within 30 days of the charge and we will review your request.
• •Chargebacks: Initiating a chargeback without first contacting us may result in immediate termination of your account.

5. Eligibility

You must be at least 18 years of age and have the legal authority to enter into this agreement to use the Service. By subscribing, you represent and warrant that you meet these requirements and that the payment card you provide is yours or that you are authorized to use it.

6. No Financial Advice

The Service and all content on this website are provided for informational purposes only and do not constitute financial, credit, or legal advice. We are not a credit repair organization, credit counseling service, or financial institution. You should consult a qualified financial advisor before making decisions about your credit.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL IMPROVE YOUR CREDIT SCORE OR THAT IT WILL BE UNINTERRUPTED OR ERROR-FREE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIT UTILIZATION SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID US IN THE 3 MONTHS PRECEDING THE CLAIM.

9. Prohibited Uses

You agree not to:

• •Use the Service for any unlawful purpose or in violation of any applicable laws.
• •Provide false or misleading information during registration or checkout.
• •Attempt to reverse-engineer, scrape, or interfere with the Service.
• •Use the Service in any way that could damage, disable, or impair our systems.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules, except that either party may seek injunctive relief in a court of competent jurisdiction.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide at least 14 days' notice of material changes via email or a prominent notice on our website. Your continued use of the Service after changes take effect constitutes your acceptance of the revised Terms.

12. Contact

For questions about these Terms, contact us at:
[email protected]