Terms of Service
These terms cover your purchase of Credit Protocol products — the course and the Credit Audit service. By completing a purchase, you agree to what's written here.
1) What You're Buying
The course is a digital product delivered as downloadable PDF files. Access is granted immediately after payment. It's for the individual purchaser only. If we update or expand the materials, you get those updates at no extra charge — you're not on a subscription.
The Credit Audit is a custom analysis service. After payment you'll receive a link to upload your credit report. We remove personal identifiers, review the file, and deliver a written 30/60/90 day action plan within 48–72 hours. The audit also includes access to the full course.
2) Refunds
The course is delivered instantly and in full, so course purchases are final and non-refundable. If a download is broken or you can't access what you paid for, that's a technical issue we'll fix — and we always refund genuine billing or duplicate errors.
The Credit Audit carries a 7-day money-back guarantee: a full refund before you upload your report, a full refund if we don't deliver within the promised window, and — after delivery — a revision or refund within 7 days if the plan doesn't fit your situation. Full details are on the Refund Policy page.
Either way, contact us first. If you open a chargeback before reaching out, we'll respond to your bank with our records — your agreement to these terms at checkout, delivery confirmation, and (for an audit) the work product produced for you. Reaching out almost always resolves things faster than a dispute would.
3) How You Can Use the Materials
You get a personal license to use everything you receive for your own financial education.
Fair use:
- Download and read everything for your own use
- Use the letter templates to exercise your rights under the FCRA and FDCPA
- Keep and reference the materials indefinitely
Not allowed:
- Sharing, selling, or redistributing any materials to others
- Uploading files to any platform where others can access them
- Reproducing the content in another course, product, or service
The materials are for you. They took real work to build and are priced to be accessible — sharing them undermines that.
4) What This Is (and Isn't)
Credit Protocol teaches you how the credit system works and how to use consumer protection laws — the FCRA, FDCPA, and FCBA — to your advantage. It is education, not legal advice. We can't guarantee your results because we don't control how bureaus respond, what's on your specific report, or whether you follow through on the plan. What we can deliver is a solid, informed strategy based on how the system actually works.
5) Liability
We stand behind the quality of the content. We can't, however, be held liable for outcomes that depend on factors outside our control — your credit history, bureau responses, or third-party decisions. Our maximum liability is the amount you paid for the product.
6) Questions
Anything about your order, access, or these terms: hello@creditprotocol.blog