Terms Of Use

 Last Updated: 06/26/2025

Acceptance of Terms

By accessing or using the UpCredit website, programs, services, or communications, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must discontinue use of our services immediately.

Services Offered

UpCredit provides business funding and credit consulting services, credit repair, eligibility and risk assessments, and application submission to funding partners. Our services are governed by applicable federal and state laws, including but not limited to the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), and Gramm-Leach-Bliley Act (GLBA).

 We do not guarantee any specific outcomes related to credit repair, funding approvals, or business success.

User Eligibility

By using our services, you confirm that you:

  • Are at least 18 years of age

  • Have the legal authority to enter into binding agreements

  • Will not use our services in any jurisdiction where they are prohibited by law

Disclaimers

No Guarantee of Results

We aim to provide tools and guidance to help you access U.S. credit and funding. However, we make no guarantees regarding:

  • Credit score improvements

  • Removal of negative credit items

  • Approval for funding or specific funding amounts

  • Timelines for results

No Legal, Tax, or Financial Advice

Information provided through our services or representatives is for educational purposes only and does not constitute professional legal, financial, or tax advice. Please consult a qualified professional for guidance specific to your situation.

Compliance with Applicable Laws

UpCredit complies with the following legal frameworks:

  • CROA: All clients receive written contracts, a three-business-day right to cancel, and transparent service terms

  • FCRA: We obtain written consent before accessing or sharing your credit report and help with disputes where applicable

  • GLBA: We safeguard your personal data and limit sharing as outlined in our [Privacy Policy]

  • TILA: We ensure transparency when discussing any lending options or financing partners

Intellectual Property

All content on the UpCredit website and in our programs—including videos, text, graphics, logos, course material, and downloadable content—is the property of UpCredit LLC or its content providers. You may not use, copy, or distribute this content without our written consent.

User Responsibilities

When using our services, you agree to:

  • Provide accurate, truthful, and complete information

  • Not use false identities, forged documents, or impersonate others

  • Not misuse the platform or engage in illegal or abusive behavior

Payment Terms

All pricing, billing schedules, and payment terms are outlined in your signed service agreement. We reserve the right to suspend or terminate services for non-payment, chargebacks, or fraud. Any refunds or cancellations are governed by your specific contract terms.

Cancellation & Termination

You have the right to cancel your credit repair agreement within three business days of signing, without penalty, in accordance with CROA.

 We reserve the right to terminate your access to our services for violations of these Terms, fraudulent behavior, or abuse of our platform.

Limitation of Liability

To the maximum extent permitted by law, UpCredit LLC shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of our services or reliance on any information provided.

Indemnification

You agree to defend, indemnify, and hold harmless UpCredit LLC, its employees, contractors, and partners from any claims, liabilities, damages, or legal fees resulting from your misuse of our services or violation of these Terms.

Modifications

We may modify these Terms of Use at any time. Changes will be posted on this page with the updated “Last Updated” date. Continued use of our services indicates your acceptance of any updated terms.

Contact Us

If you have any questions or concerns about this Privacy Policy or your personal information, contact us at:

UpCredit LLC

 Email: [email protected]

 Phone: +1 (786) 726-7370

Need help? Contact us at [email protected] or +1-786-628-7370

Privacy and Policy | Terms of Use I Fulfillment Policy I Cancellation Policy

© 2025 UP Credit | Empowering Entrepreneurs with Capital Access