Terms of Service

Effective Date: April 14, 2026

Welcome to . By accessing or using our website, www.iyanlafixmycredit.com (the "Website"), you agree to comply with and be bound by the following Terms of Service ("Terms"). If you do not agree, you may not access or use our Website or services.

1. Eligibility and Use of Our Services

By using our Website, you represent that:

You are at least 18 years of age.

You agree to use our services only for lawful purposes.

You will not use the Website in a way that damages, disables, overburdens, or impairs the Website.

You will not interfere with other users’ access or enjoyment of the Website.

2. Account Registration

To access certain features, you may be required to create an account. You agree to:

Provide accurate and complete information.

Maintain the confidentiality of your login credentials.

Notify us immediately of any unauthorized account use.

Accept responsibility for all activities under your account.

3. Payment Terms

If you purchase products or services from , you agree to pay all applicable fees and taxes as presented at checkout.

We use third-party payment processors. By making a purchase, you authorize us to charge your selected payment method. Payment terms may vary depending on the product or service purchased.

4. Refund Policy

Refund eligibility is subject to the specific terms provided at the time of purchase. If no refund policy is stated, refunds may be granted at our discretion.

5. Intellectual Property

All Website content including text, graphics, logos, images, and software is the property of or its content providers and is protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes only.

You may not:

Reproduce or distribute Website content without written permission.

Use our trademarks or branding without express authorization.

6. User-Generated Content

If you submit content (comments, reviews, etc.), you grant a worldwide, non-exclusive, royalty-free license to use, reproduce, and distribute that content.

You represent that:

You have the rights to submit the content.

The content does not violate third-party rights.

The content is not unlawful, abusive, or harmful.

We reserve the right to remove content at our discretion.

7. Prohibited Activities

You agree not to:

Hack, disrupt, or interfere with Website security.

Impersonate another person or entity.

Upload malicious code.

Use bots or scraping tools without permission.

8. SMS Communications and Mobile Messaging

By providing your phone number and opting in through our forms, checkboxes, or other consent mechanisms, you agree to receive SMS and MMS communications from .

Description of SMS Use Cases

Messages may include:

Appointment reminders

Service notifications

Account updates

Customer support responses

Promotional or marketing offers (if consented)

Event reminders

Follow-up messages related to inquiries or purchases

Message frequency varies depending on user interaction and service engagement.

Message & Data Rates Disclosure

Message and data rates may apply depending on your mobile carrier plan.

Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP

After sending STOP, you will receive a confirmation message and will no longer receive SMS messages from us unless you re-subscribe.

For assistance, reply:

HELP Or contact us using the information below.

Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

9. Disclaimer of Warranties

Our Website and services are provided "as is" and "as available" without warranties of any kind, express or implied.

We do not guarantee that:

The Website will be uninterrupted or error-free.

The Website will be free of viruses or harmful components.

You use our services at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, and its affiliates will not be liable for any indirect, incidental, or consequential damages arising from use of the Website.

Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify and hold harmless from any claims arising out of: Your use of the Website

Your violation of these Terms

Your violation of third-party rights

12. Termination

We may suspend or terminate access without notice if you violate these Terms or engage in harmful conduct.

Upon termination, you must immediately cease use of the Website.

13. Governing Law

These Terms are governed by the laws of .

Any disputes will be resolved in the courts located in .

14. Privacy Policy

Your use of our Website is also governed by our Privacy Policy. Please review it here:

15. Changes to These Terms

We may update these Terms at any time. Continued use of the Website constitutes acceptance of any revisions.

16. Contact Information

If you have questions regarding these Terms or SMS communications, please contact:

Email:

Phone:

Address: