Terms of Service
Last updated: 2/21/2026. By using our website and services, you agree to these terms.
1. Acceptance
By accessing or using the CreditBully website, chat, contact forms, upload features, or any related services (“Services”), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use our Services.
2. Use of Services
You agree to use our Services only for lawful purposes and in accordance with these terms. You are responsible for the accuracy of information you provide and for keeping your account credentials secure. You may not use our Services to transmit harmful, illegal, or unauthorized content or to attempt to gain unauthorized access to our systems or data.
3. Educational Information Only; Not Legal Advice
The information, summaries, and materials provided through our website and chat (including AI-generated content and automated reviews) are for educational and informational purposes only. They do not constitute legal, financial, or credit repair advice. We do not guarantee any particular outcome regarding your credit report, score, or disputes. For advice specific to your situation, you must consult a qualified professional. No attorney-client or other professional relationship is formed solely by using our website or chat.
4. No Guarantees
We do not guarantee improvement to your credit score, removal of items from your report, or any specific result. Outcomes depend on many factors. Any estimates or examples we provide are for illustration only.
5. Data and Security
You acknowledge that transmitting documents and personal information over the internet involves inherent risks. We implement reasonable security measures as described in our Privacy Policy, but we cannot guarantee that your data will never be accessed, disclosed, or lost. By using our Services and uploading documents, you acknowledge these risks and agree to our data practices as set forth in our Privacy Policy.
6. Limitation of Liability
To the maximum extent permitted by applicable law, CreditBully and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, revenue, or goodwill, arising from or related to your use or inability to use our Services, any data breach or security incident, or any reliance on information we provide. Our total aggregate liability for any claims arising from these terms or your use of the Services shall not exceed the greater of (a) the amount you paid us in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability is limited to the maximum extent permitted by law.
7. Indemnification
You agree to indemnify, defend, and hold harmless CreditBully and its affiliates from and against any claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Services, your violation of these terms, or your violation of any third-party rights.
8. Changes
We may modify these Terms at any time. The updated version will be posted on this page with a new “Last updated” date. Your continued use of the Services after changes constitutes acceptance of the modified terms.
9. Governing Law and Disputes
These terms shall be governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising from these terms or the Services shall be resolved in the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction there.
10. Contact
Questions about these Terms: support@creditbully.info, 833-366-6280, or 2450 Colorado Ave. Ste. 100E Santa Monica, CA 90404.
This is a summary of key terms. You are responsible for reading the full Terms and our Privacy Policy. We recommend consulting your own legal advisor as needed.
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