Effective Date:

March 15, 2025

Last Updated:

March 15, 2025

Welcome to E-FIX CREDIT, INC. (“Company,” “we,” “us,” or “our”). By accessing or using our website, software, or services, you (“User,” “Client,” or “you”) agree to be bound by these Terms of Service (“Terms”). If you do not agree with any part of these Terms, please do not use our services.

1.) SERVICES OFFERED:

E-FIX CREDIT, INC. provides business credit software as a DIY tool business funding resources, business entity formation, business entity sales, and affiliate financial products. Our services are available online, over the phone, and in person.

2.) ELIGIBILITY:

To use our services, you must:

Be at least 18 years old.Provide accurate and truthful information when registering or using our services.Comply with all applicable laws and regulations.

3.) PAYMENT, REFUNDS & CANCELLATION POLICY:

We offer paid services, which are billed through third-party payment processors (Denefits, Stripe, and Authorize.net). By making a purchase, you agree to abide by their terms and policies.Clients may request a refund within 72 hours of initiating payment. Refund requests must be submitted in writing via email to [Insert Contact Email]. After 72 hours, all payments are non-refundable.Any chargebacks or disputes filed with a payment processor may result in suspension or termination of your account.

4.) DISCLAIMER OF WARRANTIES & LIMITATION OF LIABILITY:

No Guarantees: We do not guarantee business credit score improvement or funding approval. Results depend on various factors beyond our control.Use at Your Own Risk: Our software, funding resources, and services are provided “as is” without warranties of any kind. We are not responsible for any losses, damages, or legal consequences resulting from your use of our services.Third-Party Services: We use third-party providers, including Google Analytics, Go High Level, and third-party payment processors. We are not responsible for their actions, terms, or data practices.

5.) INTELLECTUAL PROPERTY:

All content, software, and materials provided by E-FIX CREDIT, INC. are owned by us or licensed to us. You may not copy, distribute, sell, or modify our software or content without our express permission.

6.) USER CONDUCT & RESTRICTIONS:

When using our services, you agree not to:

Provide false or misleading information.Use our software or resources for fraudulent, illegal, or unethical purposes.Attempt to copy, reverse-engineer, or resell our proprietary software.

7.) TERMINATION OF SERVICE:

We reserve the right to suspend or terminate your access to our services if you violate these Terms or engage in fraudulent or abusive behavior.

8.) PRIVACY POLICY:

Our use of your personal information is governed by our Privacy Policy. By using our services, you consent to our data collection and processing practices, including our use of

Google Analytics, Go High Level CRM, and third-party payment processors

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9.) GOVERNING LAW:

These Terms shall be governed by the laws of the State of California, without regard to conflicts of law principles. Any disputes shall be resolved in the courts of San Francisco, CA.

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10.) CHANGES TO THESE TERMS:

We may update these Terms from time to time. If we make material changes, we will notify users via email or our website. Continued use of our services after any updates constitutes acceptance of the revised Terms.

11.) CONTACT INFORMATION

For questions about these Terms, you may contact us at:

E-FIX CREDIT, INC.

Address: 1 Sansome Street, 35th Floor, San Francisco, CA 94104

Contact Email: [email protected]

Phone Number: (855) 687-3349