Terms of Service

You agree to pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. A valid credit card is required for paying all accounts. Your credit card will be charged initially a prorated portion of the monthly fee for the remainder of the current month. Your credit card will be charged on the first day of every month thereafter for your monthly fee. There will be no refunds or credits for partial months of service, or refunds made should you not use the Service during a period of time when your account is open. No exceptions will be made.

Should you upgrade or downgrade your account type, your credit card will be charged your new billing rate on your next calendar cycle. Downgrading your Service may cause the loss of Content, features, or capacity of your account. Credit Admiral LLC does not accept any liability for such loss. All fees are exclusive of all taxes or duties imposed by governing authorities. You alone are responsible for payment of all such taxes or duties.

When you purchase single products or specific add-ons (for example individual training), these fees are non-refundable. Credit Admiral Software reserves the right to modify its fees and charges and to introduce new charges at any time, upon at least 30 days prior notice to you, which notice may be provided by e-mail. All pricing terms are confidential, and you agree not to disclose them to any third party.

You alone are responsible for the proper cancellation of your account. You may cancel your account during the hours of Monday – Friday 9:00 – 5:00 EST by calling 860-785-9800 with your cancellation request, and indicating your name, customer identification, and address. An email request to cancel your account is not considered cancellation. Your account and all of its content will be deleted 90 days after your cancellation of the service. It is your responsibility to request a copy of any required data within this 90 day period. This information cannot be recovered once your account is cancelled AND 90 days have lapsed.

You can cancel at any time, but you will remain liable for all charges accrued up to that time, including full monthly charges for the month in which you discontinued your service. You will not be charged again thereafter. Credit Admiral Software reserves the right to modify, suspend, or terminate your account at any time without notice or refund, should you use the account in a manner not consistent with this agreement or not consistent and compliant with state and or federal laws.

Credit Admiral Software reserves the right to suspend or terminate this Agreement and your access to the software and services if your account becomes delinquent (falls into arrears). Delinquent invoices (accounts in arrears) are subject to an interest of 1.0% per month on any outstanding balance, or the maximum permitted by law, whichever is less, plus all expenses of collection.

Credit Admiral Software LLC will not continue to provide software or service to customers who file chargebacks. You agree and acknowledge that Credit Admiral Software LLC has no obligation to retain customer data for more than 90 days after account termination and that such customer data may be irretrievably deleted 90 days after account termination.

Credit Admiral Software LLC is not a credit repair company. Credit Admiral Software LLC provides a software application that integrates letter templates and other functions that may be used for the purpose of providing legal credit repair. Credit Admiral Software neither manages nor monitors this function, and you take sole responsibility for any credit repair operations you engage in while using the software and service as well as responsibility for disclosures and all other restrictions imposed on credit repair organizations by both federal and state laws.

You, as a user of the Credit Admiral Software and Services, maintain sole control and responsibility for any use of the software and service or letters or tools contained therein, mailing of letters or other correspondence, management, monitoring, and other functions related to credit repair services that you offer or perform for consumers or for yourself, and Credit Admiral Software LLC makes no representations, guarantees, promises or other claims that such letters or application will result in any particular outcome.

The following disclosure is required by federal law to be provided to consumers by credit repair organizations before any contract or agreement between the consumer and the credit repair organization is executed:

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit Admiral Software LLC hereby grants you a non-exclusive, non-transferable, worldwide right to use the software and service, solely for your own internal business purposes, subject to the terms and conditions of this Agreement. All rights not expressly granted to you are reserved by Credit Admiral Software LLC and its licensors.

You may not access the Service if you are a direct competitor of Credit Admiral Software, except with Credit Admiral Software's prior specific written consent. You shall not license, sublicense, sell, resell, transfer, assign, distribute, exploit, use for commercial advantage, or make available to any third party the software or service or the content in any way. You shall not modify or make derivative works based upon the software, service, or the content. You shall not reverse engineer or reuse source code that is in public view.

We will defend You against any claim, demand, suit or proceeding made or brought against You by a third party alleging that the use of a Purchased Service in accordance with this Agreement infringes or misappropriates such third party's intellectual property rights, and will indemnify You from any damages, attorney fees and costs finally awarded against You as a result of, or for amounts paid by You under a court-approved settlement of, such a claim.

You will defend Us against any claim, demand, suit or proceeding made or brought against Us by a third party alleging that Your Data, or Your use of any Service or Content in breach of this Agreement, infringes or misappropriates such third party's intellectual property rights or violates applicable law, and will indemnify Us from any damages, attorney fees and costs finally awarded against Us.