ALL THINGS CREDIT INC. 

TERMS OF SERVICE 

Effective Date: July 28, 2026 

Acceptance of Terms 

Welcome to All Things Credit Inc. (“All Things Credit,” “Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of www.allthingscredit.org and all related websites, applications, content, products, educational resources, communications, and services (collectively, the “Services”). By accessing or using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of the Services. If you are using the Services on behalf of a business or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. 

Eligibility 

The Services are intended solely for individuals who are at least eighteen (18) years of age or the age of majority in their jurisdiction and who possess the legal capacity to enter into binding contracts. By using the Services, you represent and warrant that all information you provide is truthful, current, complete, and accurate and that your use of the Services complies with all applicable federal, state, and local laws and regulations. 

Our Services 

All Things Credit Inc. provides educational information, articles, guides, newsletters, tools, and other resources relating to personal credit, financial literacy, budgeting, debt management, identity protection, and related financial topics. The Company may also connect users with independent third-party service providers, including lenders, credit counselors, financial professionals, attorneys, insurance providers, tax professionals, or other businesses that offer products or services that may be of interest to users. Unless expressly stated otherwise, All Things Credit Inc. does not own, control, supervise, or endorse these third-party businesses, and any relationship established between you and a third party exists solely between you and that provider. 

Educational Purposes Only 

The information provided through the Services is intended solely for general educational and informational purposes. Nothing contained on the Services constitutes legal, financial, tax, accounting, investment, lending, insurance, or other professional advice. Every individual’s financial circumstances are unique, and information presented through the Services may not apply to your specific situation. You should always consult qualified professionals before making decisions concerning your finances, credit, taxes, investments, or legal rights. Your reliance upon any information obtained through the Services is solely at your own risk. 

No Credit Repair Guarantees 

All Things Credit Inc. does not promise, represent, or guarantee that use of the Services will improve your credit score, remove negative information from your credit history, increase your creditworthiness, qualify you for financing, lower interest rates, eliminate debt, or produce any particular financial outcome. Credit scores and lending decisions depend upon numerous factors outside the Company’s control, including information reported by creditors, consumer reporting agencies, payment history, debt utilization, public records, and the scoring models used by lenders. Any testimonials, examples, estimates, or success stories presented through the Services are illustrative only and should not be interpreted as guarantees of future performance or results. 

No Consumer Reporting Agency or Financial Institution 

All Things Credit Inc. is not a consumer reporting agency as defined by the Fair Credit Reporting Act, is not a lender, bank, credit union, mortgage broker, finance company, investment adviser, insurance company, debt collector, debt settlement company, or law firm, unless expressly identified otherwise. The Company does not issue consumer reports, determine creditworthiness, approve or deny loans, establish credit scores, extend credit, originate loans, or make employment, insurance, housing, or lending decisions on behalf of any person or entity. Decisions made by lenders, landlords, employers, insurers, or other third parties are made independently of the Company, and the Company shall not be responsible for any such decisions. 

Third-Party Products and Services 

The Services may contain links to websites, products, services, software, advertisements, or other materials offered by third parties. These third parties operate independently of the Company, and All Things Credit Inc. does not endorse, guarantee, or assume responsibility for the quality, legality, availability, pricing, security, or performance of any third-party products or services. Any interactions, purchases, contracts, or communications between you and a third party are solely between you and that third party. The Company shall not be liable for any damages, losses, claims, or disputes arising out of or relating to your use of any third-party website, service, or product. 

Affiliate Relationships 

Certain links appearing on the Services may be affiliate links or referral links through which the Company may receive commissions, referral fees, or other compensation if you purchase products or services from a third party. Such compensation does not increase the price you pay and does not affect the Company’s commitment to providing educational information. The Company makes no representation or warranty regarding the suitability, effectiveness, or value of any third-party product or service, and you are solely responsible for determining whether any product or service is appropriate for your individual circumstances. 

User Responsibilities 

You agree to use the Services only for lawful purposes and in a manner consistent with these Terms. You agree not to submit false or misleading information, impersonate another individual or entity, interfere with the operation or security of the Services, attempt to gain unauthorized access to any portion of the Services, introduce viruses or malicious code, harvest or collect personal information from other users, or use the Services in any manner that violates applicable law or infringes upon the rights of another person or entity. The Company reserves the right to investigate suspected violations and to suspend or terminate access to the Services at any time, with or without notice, if it reasonably believes these Terms have been violated. 

User Accounts 

Certain features of the Services may require you to create an account or submit registration information. You agree to provide accurate, complete, and current information and to promptly update such information as necessary. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities occurring under your account. You agree to notify the Company immediately if you become aware of any unauthorized use of your account or any breach of security. The Company reserves the right to suspend, restrict, or terminate any account that it determines, in its sole discretion, has been used in violation of these Terms or applicable law. 

SMS and Mobile Communications 

If you separately enroll in any SMS or MMS messaging program operated by All Things Credit, you expressly consent to receive recurring marketing, promotional, informational, transactional, and customer service text messages. Message frequency may vary. Message and data rates may apply. Consent to receive text messages is not required as a condition of purchasing any goods or services. You may opt out of receiving text messages at any time by replying STOP to any message you receive. For assistance, you may reply HELP or contact us using the information provided below. Wireless carriers are not liable for delayed or undelivered messages. Participation in any mobile messaging program is also subject to our Mobile Messaging Terms and Privacy Policy. 

Electronic Communications and ESIGN Consent 

By communicating with us electronically, submitting information through the website, or using our services, you consent to receive agreements, disclosures, notices, records, and other communications electronically. You agree that electronic records and electronic signatures satisfy any legal requirement that such communications be provided in writing and acknowledge that your electronic actions may constitute legally binding agreements. 

Intellectual Property Rights 

All content appearing on the website, including but not limited to text, graphics, images, videos, software, code, trademarks, service marks, logos, designs, compilations, and other materials, is owned by or licensed to All Things Credit and is protected by applicable intellectual property laws. Except as expressly authorized in writing, no content may be copied, reproduced, distributed, transmitted, modified, displayed, sold, licensed, published, or otherwise exploited for commercial purposes. 

Disclaimer of Warranties 

THE WEBSITE, SERVICES, CONTENT, COMMUNICATIONS, AND ALL RELATED MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL THINGS CREDIT DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, COMPLETENESS, SECURITY, OR AVAILABILITY. WE DO NOT WARRANT THAT THE WEBSITE WILL OPERATE WITHOUT INTERRUPTION, ERROR, OR SECURITY BREACHES. 

Limitation of Liability 

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL THINGS CREDIT, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, SUCCESSORS, ASSIGNS, LICENSORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATED TO THE USE OF OR INABILITY TO USE THE WEBSITE OR SERVICES, INCLUDING WITHOUT LIMITATION LOSS OF DATA, PROFITS, REVENUE, BUSINESS OPPORTUNITIES, GOODWILL, OR OTHER INTANGIBLE LOSSES. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED ONE HUNDRED DOLLARS ($100.00). 

Indemnification 

You agree to defend, indemnify, and hold harmless All Things Credit, its owners, officers, directors, employees, contractors, affiliates, successors, assigns, agents, licensors, and partners from and against any claims, demands, actions, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to your use of the website, your violation of these Terms, your submitted content, your violation of applicable laws, or your infringement of any third-party rights. 

Force Majeure 

All Things Credit shall not be liable for any delay, interruption, failure, or inability to perform resulting from causes beyond its reasonable control, including acts of God, natural disasters, weather events, governmental actions, labor disputes, internet outages, utility failures, cyberattacks, telecommunications failures, or other force majeure events. 

Dispute Resolution and Arbitration 

Any dispute, controversy, or claim arising out of or relating to these Terms, the website, or the services shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association in Sheridan County, Wyoming. 

Class Action Waiver 

You agree that any arbitration or legal proceeding shall be conducted solely on an individual basis. You waive any right to participate in a class action, collective action, mass action, representative action, private attorney general action, or similar proceeding. Judgment on any arbitration award may be entered in any court having jurisdiction. 

Governing Law 

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming without regard to conflict-of-law principles. Subject to the arbitration provisions above, any legal proceeding permitted under these Terms shall be brought exclusively in the state or federal courts located in Wyoming, and you consent to the jurisdiction of such courts. 

Privacy Policy 

Your use of the website is also governed by our Privacy Policy and any applicable Mobile Messaging Terms, which are incorporated into these Terms by reference. By using the website, you acknowledge that you have reviewed and agree to those policies. 

Changes to These Terms 

We reserve the right to modify, amend, update, suspend, discontinue, or replace these Terms at any time in our sole discretion. Any changes will become effective upon posting to the website with a revised effective date. Your continued use of the website following the posting of revised Terms constitutes your acceptance of such changes. 

Contact Information 

ALL THINGS CREDIT INC. 

Website: https://allthingscredit.org/ 

Email: info@allthingscredit.org 

Phone: (888) 631-7141