Terms and Conditions
Welcome to www.CreditFitness.co. Credit Fitness, Inc and/or its affiliates ("Credit Fitness") provide website features and other products and services to you when you visit
CreditFitness.co, use Credit Fitness products or services, or use software provided by Credit Fitness, Inc in connection with any of the foregoing (collectively, "Credit Fitness, Inc Services"). Credit Fitness, Inc provides the Credit Fitness, Inc Services subject to the following conditions (the “Conditions of Use”).
By using Credit Fitness services, you agree to these Conditions of Use. (Please read them carefully)
When you use a Credit Fitness, Inc Service, you are subject to these Conditions of Use and you also will be subject to the guidelines, terms, and agreements applicable to that Credit Fitness, Inc Service (“Service Terms”). If these Conditions of Use are inconsistent with the Service Terms, those Service Terms will control.
Privacy
When you use a Credit Fitness, Inc Service, you are also subject to the terms and conditions set forth in our Privacy Policy, which you should review to understand our practices.
Electronic Communications
When you use Credit Fitness, Inc Services, or send e-mails, text messages, and other communications from your desktop or mobile device to us, you may be communicating with us electronically. You consent to receive communications from us electronically, such as e-mails, texts, or notices and messages on this site or through the other Credit Fitness, Inc Services, and you can retain copies of these communications for your records. You agree that all agreements, notices, disclosures, and other communication that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Text Message (SMS) Terms of Use
1. Credit Fitness, Inc will send reminders, account updates, support information, one (1) to one (1) messages, and promotional messages to users who register through our website forms or partners’ online forms.
2. You can cancel the SMS service at any time. Just text "STOP" to opt out. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm
that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
3. If you are experiencing issues with the messaging program you can get help directly at [email protected]
4. Carriers and Credit Fitness, Inc are not liable for delayed or undelivered messages
5. Please note, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
Copyright
All content included in or made available through any Credit Fitness, Inc Service, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software is the property of Credit Fitness, Inc or its content suppliers and protected by United States and international copyright laws. The compilation of all content included in or made available through any Credit Fitness, Inc Service is the exclusive property of Credit Fitness, Inc and protected by U.S. and international copyright laws.
Trademarks
Credit Fitness’ trademarks include both registered and unregistered marks that may be found on Credit Fitness’ website and within its software. In addition, graphics, logos, page headers, button icons, scripts, and service names included in or made available through any Credit Fitness, Inc Service are trademarks or trade dress of Credit Fitness, Inc in the U.S. and other countries. Credit Fitness' trademarks and trade dress may not be used in connection with any product or service that is not Credit Fitness', in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Credit Fitness. All other trademarks not owned by Credit Fitness, Inc that appear in any Credit Fitness, Inc Service are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Credit Fitness.
License and access
Subject to your compliance with these Conditions of Use and any Service Terms, and your payment of any applicable fees, Credit Fitness, Inc or its content providers grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal and non-commercial use of the Credit Fitness, Inc Services. This license does not include any resale or commercial use of any Credit Fitness, Inc Services, or its contents; any derivative use of any Credit Fitness, Inc Services or its contents; any downloading, copying, or other use of account information for the benefit of any third party; or any use of data mining, robots, or similar data gathering and extraction tools. All rights not expressly granted to you in these Conditions of Use or any Service Terms are reserved and retained by Credit Fitness, Inc or its licensors, suppliers, publishers, rights holders, or other content providers. No Credit Fitness, Inc Services, nor any part of any Credit Fitness, Inc Services, may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Credit Fitness. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Credit Fitness, Inc without express written consent. You may not use any meta tags or any other "hidden text" utilizing Credit Fitness's name or trademarks without the express written consent of Credit Fitness. You may not misuse the Credit Fitness, Inc Services. You may use the Credit Fitness, Inc Services only as permitted by law and these Conditions of Use and any Service Terms. The licenses granted by Credit Fitness, Inc terminate if you do not comply with these Conditions of Use or any Service Terms.
Your Account
You may need your own Credit Fitness, Inc account to use certain Credit Fitness, Inc Services, and you may be required to be logged in to the account and have a valid payment method associated with it. Payments may be handled by a third-party vendor. In that case, your payment and the processing and/or handling thereof will also be governed by the terms and conditions, if any, of the third-party vendor responsible for handling your payment. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account, and you agree to accept responsibility for all activities that occur under your account or password.
Reviews, Comments, Communications, and Other Content
If you do post content related to Credit Fitness, including reviews, or submit material to Credit Fitness, and unless we indicate otherwise, you grant Credit Fitness, Inc a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, perform, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Credit Fitness, Inc and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate these Conditions of Use or any Service Terms and will not cause injury to any person or entity; and that you will indemnify Credit Fitness, Inc for all claims resulting from content you supply. Credit Fitness, Inc has the right, but not the obligation, to monitor and edit or remove any activity or content. Credit Fitness, Inc takes no responsibility and assumes no liability for any content posted by you or any third party.
Other Businesses
Parties other than Credit Fitness, Inc provide services or software, or sell product lines, through the Credit Fitness, Inc Services. In addition, we provide links to the sites of affiliated companies and certain other businesses. If you purchase any of the products or services offered by these businesses or individuals, you are purchasing directly from those third parties, not from Credit Fitness. We are not responsible for examining or evaluating, and we do not warrant, the offerings of any of these businesses or individuals (including the content of their websites). Credit Fitness, Inc does not assume, and expressly disclaims, any responsibility or liability for the actions, product(s), and content of all these, and any other, third parties. You should carefully review the privacy statements, terms and conditions, and other conditions of use of those third parties.
Disclaimer Of WARRANTIES AND LIMITATION OF LIABILITY
THE CREDIT FITNESS, INC SERVICES AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), AND OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT FITNESS, INC SERVICES ARE PROVIDED BY CREDIT FITNESS, INC ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. CREDIT FITNESS, INC MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE CREDIT FITNESS, INC SERVICES, OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT FITNESS, INC SERVICES, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THE CREDIT FITNESS, INC SERVICES IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY LAW, CREDIT FITNESS, INC DISCLAIMS ALL WARRANTIES, EXPRESS OR
IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CREDIT FITNESS, INC DOES NOT WARRANT THAT THE CREDIT FITNESS, INC SERVICES, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE CREDIT FITNESS, INC SERVICES, CREDIT FITNESS'S SERVERS, OR ELECTRONIC COMMUNICATIONS SENT FROM CREDIT FITNESS, INC ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE FULL EXTENT PERMISSIBLE BY LAW, CREDIT FITNESS, INC WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF ANY CREDIT FITNESS, INC SERVICES, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH ANY CREDIT FITNESS, INC SERVICES, INCLUDING, BUT NOT LIMITED TO
DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.
WAIVER OF RIGHT TO TRIAL BY JURY
BY USING ANY CREDIT FITNESS, INC SERVICES, THEREBY AGREEING TO THESE CONDITIONS OF USE, YOU AND CREDIT FITNESS, INC MUTUALLY WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY DISPUTE OR CLAIM ARISING OUT OF OR RELATING IN ANY WAY TO YOUR USE OF ANY CREDIT FITNESS, INC SERVICES OR TO ANY PRODUCTS OR SERVICES SOLD OR DISTRIBUTED BY CREDIT FITNESS, INC OR THROUGH http://www.creditfitness.co
DISPUTES
By using any Credit Fitness, Inc Services, thereby agreeing to these Conditions of Use, you agree that any dispute or claim arising out of or relating in any way to your use of any Credit Fitness, Inc Services, or to any products or services sold or distributed by Credit Fitness, Inc or through www.creditfitness.co will be resolved through non-jury, or bench, trial. The exclusive venue and jurisdiction for such trial shall be Norristown, Pennsylvania. By using any Credit Fitness, Inc Services, thereby agreeing to these Conditions of Use, you waive any objection to venue in Montgomery County, Norristown Pennsylvania, including that such forum is inconvenient, and you expressly consent to the exercise of personal jurisdiction over you by a court sitting in Montgomery County, Norristown Pennsylvania and waive any objection to personal jurisdiction, including lack of minimum contacts. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
MEDIATION
By using any Credit Fitness, Inc Services, thereby agreeing to these Conditions of Use, you agree that prior to instituting any action as set forth in the Disputes clause above, all
disputes or claims arising out of or relating in any way to your use of any Credit Fitness, Inc Services, or to any products or services sold or distributed by Credit Fitness, Inc or through www.creditfitness.co, shall be attempted to be resolved through mediation. The mediator must be certified by the State of Pennsylvania, and the exclusive location for the mediation will shall be Montgomery County, Norristown Pennsylvania. You agree and stipulate that the requirement to mediate all disputes or claims is a condition precedent to instituting legal action against Credit Fitness, and you consent to any such action being dismissed without prejudice, with all attorneys' fees and expenses incurred by Credit Fitness, Inc obtaining said dismissal charged to you, in the event the mediation precondition has not been satisfied.
APPLICABLE LAW
By using any Credit Fitness, Inc Services, you agree that the laws of the state of Pennsylvania, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Credit Fitness, whether or not such dispute arises or relates to your use of a Credit Fitness, Inc Services.
SITE POLICIES, MODIFICATION, AND SEVERABILITY
Please review our other policies, including the Credit Fitness, Inc Privacy Policy, posted on this site. These policies also govern your use of Credit Fitness, Inc Services. We reserve the right to make changes to our site, policies (including, but not limited to, our Privacy Policy), Service Terms, and these Conditions of Use at any time. If any of the conditions comprising these Conditions of Use shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition of these Conditions of Use.
Our Address
Credit Fitness, Inc 116 Bala Ave STE 1A, Bala Cynwyd, Pennsylvania 19004
ADDITIONAL CREDIT FITNESS, INC SOFTWARE TERMS
The following terms (“Software Terms”) also apply to any software (including any updates or upgrades to the software) and any related documentation we make available to you in connection with Credit Fitness, Inc Services (the "Credit Fitness, Inc Software", in addition to the Conditions of Use and any Service Terms.
1. Use of the Credit Fitness, Inc Software. You may use Credit Fitness, Inc Software solely for purposes of enabling you to use the Credit Fitness, Inc Services as provided by Credit Fitness, and as permitted by these Conditions of Use and any Service Terms. You may not Incorporate any portion of the Credit Fitness, Inc Software into other programs or compile any portion of it in combination with other programs, or otherwise copy (except to exercise rights granted in this section), modify, create derivative works of, distribute, assign any rights to, or license the Credit Fitness, Inc Software in whole or in part. All software used in any Credit Fitness, Inc Services is the property of Credit Fitness, Inc or its software suppliers and is protected by United
States and international copyright laws.
2. Use of Third-Party Services. When you use the Credit Fitness, Inc Software, you may also be using the services of one or more third parties. Your use of these third-party
services may be subject to the separate policies, terms of use, and fees of these third parties.
3. No Reverse Engineering. You may not reverse engineer, decompile or disassemble, tamper with, or bypass any security associated with the Credit Fitness, Inc Software, whether in whole or in part.
4. Updates. We may offer automatic or manual updates to the Credit Fitness Inc, Software at any time and without notice to you.
5. Conflicts. In the event of any conflict between these Conditions of Use and any other Credit Fitness, Inc or third-party terms applicable to any portion of Credit Fitness, Inc Software, such as open-source license terms, such other terms will control as to that portion of the Credit Fitness, Inc Software and only to the extent of the conflict.
REFUND POLICY
No Refund Policy for Software and Coaching Thank you for your interest in our software and coaching services. Before making a purchase, it is important to carefully review and understand our no refund policy outlined below:
1. Software: Once the software has been delivered to you electronically and made accessible for use, we cannot provide refunds. Due to the nature of software products, we are unable to verify if the software has been installed, activated, or utilized. Therefore, we cannot accept refund requests based on claims of non-delivery or non- usage.
2. Evaluation and Free Trials: If we offer an evaluation period or free trial for our software, we encourage you to take advantage of it to evaluate the product's features, compatibility, and suitability for your needs. During this evaluation or trial period, you can determine if the software meets your requirements before making a purchase. Once the purchase is made, the no refund policy will apply.
3. Coaching Services: Our coaching services involve the provision of expert guidance, support, and knowledge transfer. Due to the personalized and time-sensitive nature of coaching, refunds are not available once the services have been rendered. This is because the value of coaching is derived from the time, effort, and expertise provided by our coaches, which cannot be recovered once the service has been delivered.
4. Change of Mind: We understand that circumstances may change, and personal preferences may evolve. However, we cannot provide refunds for software or coaching
based on changes of mind or personal circumstances once the product or service has been delivered.
5. Defective Software or Service: In the unlikely event that our software is proven to be defective or our coaching services do not meet the expected standards, we encourage
you to contact our Credit Fitness Customer Care team promptly. We will investigate the matter and, if there is a genuine issue, provide appropriate remedies, such as software updates, bug fixes, or an opportunity to address any concerns regarding the coaching service.
6. Unauthorized Use or Misuse: If we determine that the software has been obtained illegally, shared without proper authorization, or used in violation of the license agreement, or if our coaching services are misused or abused, we reserve the right to terminate associated rights or access without providing a refund.
7. Exceptions: In exceptional cases where specifically mandated by applicable consumer protection laws or regulations, we will comply and provide refunds as required by law. Please note that this no-refund policy is established to maintain the integrity of our products and services. By making a purchase, you acknowledge and agree to abide by this policy.
If you have any questions or concerns regarding this policy, our software, or coaching services, please contact our Credit Fitness Customer Care support team before finalizing
your purchase. Please be aware that this policy does not affect your statutory rights or any other consumer protection rights that may be applicable.