We want this agreement to be readable rather than buried. It is a practical overview and should be reviewed and completed with your final refund policy, payment provider, and business details before launch.
1. Agreement to these terms
These terms and conditions are a contract between you and Better Credit Course. By opening this website, creating an account, or purchasing the course, you accept these terms. If you do not accept them, do not use the site or the course. Where these terms refer to “course,” they mean the Better Credit Course video lessons, worksheets, scripts, letters, and any other materials we make available to you.
2. What Better Credit Course is
Better Credit Course is an educational product. It teaches general information about debt, credit reporting, budgeting, and how to communicate with creditors and collectors. We do not negotiate on your behalf, we do not contact creditors for you, we do not access or change your credit reports, and we do not take over any of your accounts. We are not a law firm, credit counseling agency, credit repair organization, debt settlement or debt-relief company, financial advisor, or tax professional.
3. Not legal, financial, or tax advice
Nothing on this website or inside the course is legal, financial, tax, credit, or investment advice, and using the course does not create an attorney-client, advisor-client, or fiduciary relationship. The course is based on general information that may not apply to your situation. Before acting, consider speaking with a licensed attorney, a certified credit counselor, or a qualified tax professional about your own circumstances.
4. No guarantee of results
Every person's debts, creditors, and credit history are different. We do not promise or guarantee any credit score change, any debt reduction, any settlement, any removal of an item from a credit report, or any other outcome. Anything you see on this site, including examples and student stories, is illustrative and is not a promise of what will happen for you.
5. Eligibility and your account
You must be at least 18 years old and legally able to form a contract to enroll. You agree to give accurate enrollment information, keep your login credentials private, and accept responsibility for anything done under your account. Let us know promptly if you believe your account has been used without your permission.
6. Enrollment, payment, and pricing
The course is offered as a one-time payment of $97 unless a different price is shown at checkout. Payment is collected by an independent payment processor under its own terms; we do not intend to store your full card details. Prices and any promotional offers may change at any time, and applicable taxes may be added at checkout. Enrollment is not complete until the payment processor confirms your payment.
7. Refunds
[Add your refund policy here: the number of days you allow and how a request is made. Until this paragraph is completed, refund requests will be handled case by case. Please replace this text with your final policy before launch.]
8. Your license to use the course
When you enroll, we give you a personal, non-exclusive, non-transferable license to watch and use the course materials for your own education. You may print worksheets and use the scripts and letter templates for your own accounts. You may not share your login, resell, rent, or sublicense the course, publish or redistribute the materials, copy them into another course or AI tool, or use them to train or advise others for money.
9. Course access and availability
The course is self-paced and consists of five video lessons totalling roughly four hours, plus downloadable materials. Access is provided for the period stated at checkout. We may update lessons, replace worksheets, add or remove materials, or change the platform that delivers them. We are not responsible for interruptions caused by your internet service, device, browser, or anything outside our reasonable control.
10. Acceptable use
You agree not to copy, scrape, download, or mirror course content except as needed for your own personal study; not to interfere with, probe, or disable the site or its delivery systems; not to upload or transmit malicious code; and not to use the course or this site for any unlawful purpose or in a way that infringes the rights of others.
11. Your messages and submissions
When you send us a message through the contact form or support email, you keep ownership of what you wrote and you grant us permission to read, store, and reply to it so we can answer your question or provide support. Please do not send full account numbers, Social Security numbers, or other sensitive identifiers through general forms.
12. Intellectual property
The lessons, text, graphics, logos, worksheets, scripts, and templates are owned or licensed by Better Credit Course and are protected by copyright and other laws. The course brand and design may not be used to imply endorsement or partnership without written permission.
13. Third parties and links
The course and this site may reference third-party services such as payment processors, credit bureaus, analytics tools, and annualcreditreport.com. We do not control those services and are not responsible for their content, pricing, or privacy practices. Their own terms apply when you use them.
14. Student stories and testimonials
Any testimonial or story shared on this site is a personal experience provided with permission. Experiences vary, are not independently verified as typical, and are not evidence that you will achieve a similar result.
15. Risks you should know about
Settling a debt for less than the full balance may be reported on your credit files, may restart certain time periods depending on where you live, and forgiven debt may be treated as taxable income. Creditors and collectors are not required to agree to any settlement or to validate any debt. Ignoring a lawsuit or a court deadline can lead to a judgment or wage garnishment; if you have been served, respond by the deadline and get legal help.
16. Limitation of liability
To the extent allowed by law, Better Credit Course is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost savings, credit score changes, or decisions you made after using the course. Our total liability for any claim arising out of the course is limited to the amount you paid for it. Some jurisdictions do not allow these limits, so they may not apply to you.
17. Indemnification
You agree to cover Better Credit Course, its owner, and its partners against claims, losses, and reasonable legal costs that come from your use of the course in a way that breaks these terms or the law.
18. Changes to the course or these terms
We may update these terms and the course from time to time. The current version posted here, with its effective date, is the one that applies. If we make a material change, we will do our best to give notice on the site or by email. Continuing to use the course after a change means you accept the revised terms.
19. Cancellations and access
If you stop paying for a subscription service, if you receive a chargeback for the course, or if you use the course in a way that breaks these terms, we may end your access without a refund. You can stop using the course at any time.
20. Governing law and disputes
[Add the state or province whose law governs this agreement and where disputes will be heard, and confirm whether disputes go to arbitration or small-claims court. Please replace this paragraph with terms reviewed for your business before launch.]
21. Contact information
Questions about these terms can be sent to: [Add legal business name], [Add support email], [Add mailing address]. Please replace these placeholders with verified business details before launch.
Related policies
How we handle information is described in our Privacy Policy. Enrollment questions can be sent through our contact page.
Better Credit Course provides general educational information. It is not a law firm, credit-repair organization, debt-relief company, financial advisor, or tax professional. Results vary, and no specific credit score, debt reduction, or financial outcome is guaranteed.