Terms and Conditions Of Use
Terms And Conditions of Use
Acceptance of Terms
- STEP 1 CREDIT, LLC, a Texas limited liability company, doing business as STEP 1 CREDIT (referred to as
"STEP 1 CREDIT", “Company”, "us”, or “we”), makes available the website www.step1credit.com and related
downloadable application STEP 1 CREDIT (collectively, the “Site”), providing credit repair education, information,
and solutions for consumers to consumers (“Services”), subject to the users’ compliance with the following
Terms and Conditions of Use (“Terms”), as well as any other written agreements between the Site and the users.
- We reserve the right to change these Terms from time to time with or without notice to you.
You acknowledge and agree that it is your responsibility to periodically review the Site and these Terms.
Your continued use of this Site after such modifications will constitute acknowledgement and acceptance of
the modified Terms.
- As used in these Terms, references to our “Affiliates” include our owners, shareholders, licensees,
assigns, subsidiaries, affiliated companies, officers, directors, partners, sponsors, advertisers, and
includes (without limitation) all parties involved in creating, producing, and/or delivering this Site.
- BY INSTALLING THIS APPLICATION AND AGREEING TO THESE TERMS, YOU ACKNOWLEDGE THAT YOU ARE AT
LEAST EIGHTEEN (18) YEARS OF AGE AND AGREE TO BE BOUND BY THESE TERMS. IF YOU ARE NOT AT LEAST EIGHTEEN
(18) YEARS OF AGE OR DO NOT WISH TO BE BOUND BY THESE TERMS, PLEASE EXIT THE APPLICATION. YOUR SOLE REMEDY
FOR DISSATISFACTION WITH THIS APPLICATION OR THESE TERMS, IS TO CEASE USING THE APPLICATION.
If you become aware that anyone under the age of eighteen (18) years of age has provided us
with personal information without parental consent, please contact us at INFO@STEP1CREDIT.COM
and we will take steps to remove such information and terminate the child's account.
- App Access. As a user of the downloadable application (“App”), you
also understand and agree that the App may access your contact list and address book on your
mobile device with your authorization. The App does not transmit any information about your contact
list and/or address book without your authorization, and the Site does not monitor or store any
information from your contact list and/or address book without your authorization.
Any new features or enhancements to the App are subject to the Terms and Conditions of Use
of the Site. THE APP IS PROVIDED "AS IS" AND STEP 1 CREDIT ASSUMES NO RESPONSIBILITY FOR
TIMELINESS, MIS-DELIVERY, OR FAILURE TO STORE ANY COMMUNICATION, WRITING, IMAGE OR PERSONALIZATION SETTINGS.
By accessing and using the App, you must abide by all Federal, State and local laws. If you are
outside the United States you must comply with all local laws with respect to your online conduct
and acceptable content as well as the export of data to the United States or to your country or residence.
You understand that you are responsible for obtaining access to the App and that access may
involve third party fees. You are solely responsible for obtaining such access and paying
Information and Education
- All information provided on the Site is for informational and educational purposes only.
We do invite you to bring to our attention any material on the Site that you believe to be factually
inaccurate; please forward a copy of such material and the reasons for your belief to INFO@STEP1CREDIT.COM.
understand and acknowledge that we cannot promise or guarantee
specific results from using the Site. Further, as comments, data,
and information may be posted or communicated by other users of the
Site, we are not responsible for their content or services
referenced, offered, or recommended.
understand and agree that temporary interruptions of the Site may
occur as normal events that are out of our control. You agree that
the information available through this Site is provided “AS IS” and
that we assume no responsibility for the timeliness, deletion, or
mis-delivery of, or failure to store, any user communications or
material uploaded by you.
Third-Party Sites and Information
This Site may feature or link to other websites on the Internet or applications,
or may otherwise include references to subject matter or services made available
by unaffiliated third parties. You understand that we are not responsible for the
accuracy, completeness, decency, or legality of material hosted by third-party websites,
applications, or statements made by third parties, nor are we responsible for errors or
omissions in any references made on those websites, applications, or by said third parties.
The inclusion of such a feature, link, or reference is provided merely as a convenience and
does not imply endorsement of, or association with, the Site or any party by us, or any warranty
of any kind, either express or implied. You also acknowledge and agree that STEP 1 CREDIT is
not responsible or liable, directly or indirectly, for any damage or loss caused by or
alleged to have been caused by, or in relation to the use of content, or services, offered
through these links, or for any intellectual property or other third-party claims relating
to your posting or using such links.
You understand and agree that your correspondence, communication, or business dealings with,
or participations with, third parties found on or through the Site, including payment and
performance of services, and any other terms, conditions, warranties, or representations
associated with such dealings, are solely between users and the said third
parties. You agree that STEP 1 CREDIT shall not be responsible or liable for any loss or
damage incurred as the result of such dealings or as the result of the presence of such
third parties on the Site.
STEP 1 CREDIT allows users to view and access credit repair education, information, and
solutions for consumers to consumers; the Site’s services featured and offered are provided
for STEP 1 CREDIT’s client for use with STEP 1 CREDIT’s services. Please refer user services
agreements for STEP 1 CREDIT’S service policies.
The Company's Intellectual Property
Content. For purposes of these Terms, “content” is defined as any information,
data, communications, or other materials that can be viewed by users on our Site and is
owned by us, our Affiliates, or our licensors including, but not limited to, the Company’s
trademarks and service marks.
- Ownership of Content. All content on the Site is subject to
intellectual property rights, contractual, or other protection. The intellectual property
rights are owned by us or our licensors. No content may be copied, distributed, republished,
uploaded, posted or transmitted in any way except as provided expressly in these Terms or
with our prior express written consent. Any use of the content other than as permitted by
these Terms or any other unauthorized use of the content may make you liable to us or our
licensors for violation of intellectual property rights.
- Site Use. We grant you a limited, revocable, nonexclusive license
to use the content on the Site solely for your own personal use and not for republication,
distribution, assignment, sublicense, sale, preparation of derivative works, or other use.
You agree not to copy the Site or content located on the Site; to reverse engineer or break
into the Site; or to use content, products, or services in violation of any law. Any use of
the Site or the content contained therein other than as specifically authorized in the Agreement,
without our prior written permission is strictly prohibited and will terminate the license
granted herein. Unless explicitly stated herein, nothing in the Agreement shall be construed
as conferring to you, whether by implication, estoppel, or otherwise, any title or ownership
of, or exclusive use-rights to, any intellectual property or other right and any goodwill
associated therewith. We reserve the right, without notice and in our sole discretion, to
terminate your license to use the Site at any time and to block or prevent your future
access to, and use of, the Site.
- No Warranty for Third-Party Infringement. Neither we nor our
Affiliates warrant or represent that your use of materials displayed on, or obtained through,
this Site will not infringe the rights of other users of the Site or of third parties.
- Trademarks. Our trademarks or service marks include, but are not
limited to, STEP 1 CREDIT and any related logos. All custom graphics, icons, logos and service
names are trademarks or service marks of our Company or our Affiliates. All other trademarks
or service marks are property of their respective owners. Nothing in these Terms grants you
any right to use any trademark, service mark, logo, and/or our name, or those of our Affiliates
and our licensors.
Your Intellectual Property
will be treated as non-confidential. While you retain all rights to the Submissions, you grant us
(including our employees and Affiliates) a non-exclusive, paid-up, perpetual, and worldwide license
to copy, distribute, display, publish, translate, adapt, modify, and otherwise use the Submissions
on the Site and to effectuate our business (including without limitation, for advertising, promotion,
or generating revenue through advertising on your Submissions) without incurring any liability for
royalties or any other consideration of any kind, and that we will not incur any liability as a
result of any similar content that may appear on the Site or in our future operations or business.
- Confidential Information. While we constantly work to ensure that
the Site and App securely store and display your financial data as described in our Privacy
Policy [link], no data transmission over the Internet or any wireless network can be guaranteed
to be 100% secure. As a result, while we strive to protect your data, you acknowledge that: (a)
there are security and privacy limitations inherent to the Internet which are beyond our control;
and (b) the security, integrity, and privacy of any and all information and data exchanged between
you and us through the Application cannot be guaranteed.
Please do not submit confidential or proprietary information to us (including patentable ideas,
new content suggestions or business proposals) which you do not wish to be displayed on the Site
unless we have mutually agreed in writing otherwise.
Privacy & Security
Login Required. In order to the access the services and content of this Site,
you will be required to an account and password set established by STEP 1 CREDIT. You will have
the ability to maintain and periodically update your Registration Info as you see fit. By registering,
you agree that all information provided by you as Registration Info is true and accurate and that you
will maintain and update this information as required in order to keep it current, complete, and accurate.
Passwords & Security. If you register for an account on the Site, you agree that
you are responsible for maintaining the security and confidentiality of your password and that you are
fully responsible for all activities that occur under your account. Therefore, you must take reasonable
steps to ensure that others do not gain access to your password and account. Our employees will never
ask you for your password.
- Personally Identifiable Information. We caution you against giving out
any personally identifying information about yourself or your family unless specifically requested
by the Site. In an effort to preserve your privacy, we agree to treat any personally identifying
information that you submit through the Site in accordance with the terms outlined in our
In order to use the Site you are required to register an account. As a registered user, you:
Agree to provide true, accurate, current and complete information as required on the Site’s
account registration form. If you provide any information that is untrue, incomplete,
not current or inaccurate, STEP 1 CREDIT has the right to suspend or terminate your
account and refuse your current or future use of the App.
Agree that STEP 1 CREDIT may, under certain circumstances and without prior notice,
immediately terminate your account, any associated username and/or access to the App.
Cause for such termination shall include, but not be limited to: i) breach or violation
of the Terms and Conditions of Use or other policies, guidelines or rules, ii) your
engagement in fraudulent or illegal activity including by not limited to copyright
infringement or fraud, iii) unexpected technical or security issues, and iv) requests
by law enforcement or other government agencies. You also agree that any termination
is in STEP 1 CREDIT‘s sole discretion and that STEP 1 CREDIT will not be liable to
you or any third party for any termination of your account, password, username,
access to the App, or for deletion of content.
Agree that your account is non-transferable and any rights to your account,
password, username, terminate upon your death.
Are responsible for any activities that take place under your username and password.
If you become aware of any unauthorized use of your password, account, mobile phone,
or any other breach of security, please contact STEP 1 CREDIT immediately. It is up
to you to maintain the confidentiality of your password and account. STEP 1 CREDIT is
not responsible or liable for any loss or damage arising from your failure to comply
with the provisions of these terms.
ALL CONTENT ON THIS APPLICATION IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT
WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,
THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR
THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY
THAT (A) THE CONTENT WILL MEET YOUR REQUIREMENTS, OR (B) THE CONTENT OR APPLICATION
WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. STEP 1 CREDIT WILL NOT BE LIABLE
FOR ANY VIRUSES OR OTHER MALWARE TRANSMITTED TO OR THOUGH THIS APPLICATION BY ANY THIRD
PARTY. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE COMPANY OR
THROUGH OR LINKED FROM THE APPLICATION SHALL CREATE ANY WARRANTY, EXPRESS OR IMPLIED.
STEP 1 CREDIT DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY
FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE
APPLICATION OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING.
STEP 1 CREDIT WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY
TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH
THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU
SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
STEP 1 CREDIT DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY
PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE APPLICATION OR ANY
HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING. STEP 1 CREDIT WILL NOT
BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND
THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE
THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE
CAUTION WHERE APPROPRIATE.
SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES SO SOME OF
THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. PLEASE CONSULT THE LAWS IN YOUR JURISDICTION.
Limitation of Liability & Indemnification
THIS APPLICATION IS PROVIDED AS A PLATFORM FOR ACCESSING PROVIDING CREDIT REPAIR EDUCATION,
INFORMATION, AND SOLUTIONS FOR CONSUMERS TO CONSUMERS. THE COMPANY AND ITS AFFILIATES DO NOT
REPRESENT ANY CONSUMER USER OF THE APPLICATION OR ANY OTHER BUSINESS FEATURED ON THIS APPLICATION.
IN NO EVENT SHALL WE OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE,
INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING,
WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA, OR PROFIT LOSS, YOUR PARTICIPATION IN
ACTIVITIES BASED ON THE CONTENT FEATURED ON THE APPLICATION; YOUR USE OF THE INFORMATION OR CONTENT
CONTAINED ON THE APPLICATION, OR YOUR RELIANCE UPON THE ACCURACY OF INFORMATION CONTAINED ON THE
APPLICATION, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY
THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS APPLICATION OR OF ANY WEBSITE
REFERENCED OR LINKED TO FROM THIS APPLICATION, SHOULD YOU INCUR DAMAGES AS A RESULT OF THE USE OF PRODUCTS,
SERVICES OR INFORMATION FEATURED ON THE APPLICATION.
YOU AGREE THAT THE COMPANY (AND ITS AFFILIATES, SHAREHOLDERS, AGENTS, EMPLOYEES, ASSIGNS, MANAGERS,
DIRECTORS, MEMBERS, AND ALL OTHER RELATED PARTIES) IS NOT RESPONSIBLE FOR ANY DAMAGES WHATSOEVER RESULTING
FROM YOUR PARTICIPATION IN THE ACTIVITIES FEATURED ON THE APPLICATION. YOU HEREBY AGREE TO INDEMNIFY AND
HOLD HARMLESS THE COMPANY (AND ITS AFFILIATES, AGENTS, EMPLOYEES, ASSIGNS, MANAGERS, DIRECTORS, MEMBERS,
AND ALL OTHER RELATED PARTIES) FROM ANY AND ALL CLAIMS AND/OR LIABILITIES RESULTING FROM YOUR PARTICIPATION THEREIN.
SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL
DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. PLEASE CONSULT THE LAWS IN YOUR JURISDICTION.
You also agree to defend, indemnify, and hold us and our Affiliates harmless from all liabilities, claims,
and expenses, including attorneys' fees, that may arise from your use or misuse of this Site or any of the
content contained therein. We reserve the right, at our own expense, to assume the exclusive defense and
control of any matter otherwise subject to indemnification by you, in which event you will cooperate with
us in asserting any available defenses.
Termination of Use
Grounds for Termination. You agree that we may, at our sole discretion, terminate or suspend
your access to all or part of the Site with or without notice and for any reason, including, without limitation,
breach of these Terms. Any suspected fraudulent, abusive, or illegal activity may be grounds for barring your
access to this Site, and reporting you to the proper authorities, if necessary.
No Right to Services Upon Termination. Upon termination and regardless of the reasons motivating
such termination, your right to services and/or the Site will immediately cease. We shall not be liable to you
or any third party for any claims for damages arising out of any termination or suspension or any other actions
taken by us in connection therewith.
- Voluntary Termination. Users may voluntarily terminate their registration by requesting
termination directly by e-mailing us at INFO@STEP1CREDIT.COM
- International Use. Although this Site may be accessible worldwide, those who choose to access
this Site from other locations do so on their own initiative and at their own risk. If you choose to access
this Site from outside the United States, you are responsible for compliance with local laws in your jurisdiction,
including but not limited to, the taxation of products or services purchased over the Internet. Any offer for any
product, service, and/or information made in connection with this Site is void where prohibited.
Governing Law. This Site (excluding any third-party websites) is controlled by us from our offices in
California, and the statutes and laws of the State of California shall be controlling, without regard to the
conflicts of laws principles thereof. You specifically consent to exclusive personal jurisdiction in California
in connection with any dispute between you and the Company arising out of these Terms. Any dispute, claim, or
controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation,
shall be determined by state or federal courts in Orange County, California.
Arbitration. All claims and disputes arising under or relating to these Terms are to be settled
by binding arbitration in the state of California. The arbitration shall be conducted on a confidential basis
pursuant to the rules of JAMS (Judicial Arbitration and Mediation Services). Any decision or award as a result of
any such arbitration proceeding shall be in writing and shall provide an explanation for all conclusions of law
and fact. An award of arbitration may be confirmed in a court of competent jurisdiction. The prevailing party
shall be entitled to receive from the other party its attorneys' fees and costs incurred in connection with
any arbitration proceeding and the enforcement of any award.
Notices. All notices to the Company shall be in writing and shall be sent to
INFO@STEP1CREDIT.COM. You agree to allow us to submit notices to you using the email
address provided by you in the Registration Info or directly provided to
INFO@STEP1CREDIT.COM via e-mail. Any notices or communication under these Terms will
be deemed delivered to the party receiving such communication on the delivery date when transmitted by email.
No Resale Right. You agree not to sell, resell, reproduce, duplicate, distribute, copy,
or use for any commercial purposes any portion of this Site, or use of or access to this Site or services
provided through this Site, beyond the limited rights granted to you under these Terms.
Force Majeure. In addition to any excuse provided by applicable law, we shall be excused
from liability for non-delivery or delay in delivery of marketing tools or information available through our
Site arising from any event beyond our reasonable control, whether or not foreseeable by either party, including
but not limited to: labor disturbance, war, fire, accident, adverse weather, inability to secure transportation,
governmental act or regulation, and other causes or events beyond our reasonable control, whether or not similar
to those which are enumerated above.
Savings Clause. If any part of these Terms is held invalid or unenforceable, that portion
shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original
intentions of the parties and the remaining portions shall remain in full force and effect.
No Waiver. Any failure by us to enforce or exercise any provision of these Terms or related
rights shall not constitute a waiver of that right or provision.
agreement and understanding between the parties concerning the subject matter hereof and supersedes all prior
agreements and understandings of the parties with respect thereto. These Terms may NOT be altered, supplemented,
or amended by the use of any other document(s). To the extent that anything in or associated with this Site is
in conflict or inconsistent with these Terms, these Terms shall take precedence.
Effective Date: January 1, 2021