TERMS OF SERVICE
Last Updated: 2026
By accessing, purchasing, or using CreditFixLogic, you agree to the following Terms of Service.
Educational Purpose Only
CreditFixLogic is a proprietary educational technology platform designed to provide financial education, organizational tools, debt optimization insights, and informational analysis through artificial intelligence systems.
CreditFixLogic does not provide legal, tax, accounting, lending, investment, or licensed financial advisory services.
No Credit Repair Services
CreditFixLogic does not provide “credit repair” services as defined under applicable state or federal laws.
No Professional Relationship
Use of the platform does not create any fiduciary, attorney-client, financial advisor-client, or other professional relationship between users and Eliger Technologies LLC.
AI-Generated Content
Users acknowledge that certain analyses, recommendations, simulations, and educational outputs are generated through artificial intelligence systems and may contain inaccuracies, calculation errors, incomplete information, or unintended outputs.
All platform outputs should be independently reviewed and verified before making financial or legal decisions.
No Guarantees
CreditFixLogic and Eliger Technologies LLC do not guarantee:
• Credit score increases
• Account removals
• Loan approvals
• Debt reductions
• Financial savings
• Collection removals
• Any specific financial outcome
Results vary based on individual circumstances, financial behavior, creditor practices, lender criteria, implementation, and external factors beyond our control.
User Responsibility
Users are fully responsible for:
• All financial decisions
• Debt repayment actions
• Credit management activities
• Compliance with applicable laws
• Reviewing and validating AI-generated outputs
• Information submitted to the platform
• Any disputes or communications sent to creditors, lenders, collectors, or credit bureaus
Acceptable Use
Users may not use the platform for:
• Fraudulent activities
• Identity misrepresentation
• Submission of false or deceptive disputes
• Illegal financial practices
• Abuse or misuse of the platform
• Reverse engineering
• Unauthorized copying or reproduction
• Commercial redistribution of platform materials
• Multi-user or shared access without authorization
Single-User License
Access to CreditFixLogic is granted under a limited, revocable, non-transferable, single-user license exclusively for the personal use of the individual purchaser.
Users may not:
• Share purchased access with multiple individuals
• Resell or sublicense platform access
• Redistribute platform outputs commercially
• Use the platform for group coaching, multi-client services, or corporate use without written authorization
• Copy proprietary prompts, workflows, logic structures, or educational systems
Any unauthorized sharing, redistribution, reproduction, or commercial use may result in immediate termination of access without refund and may subject violators to legal action.
Digital Product Policy
CreditFixLogic is a digital educational technology product. Due to the immediate nature of digital content delivery and access to proprietary materials, all sales are considered final once access or delivery has been provided.
Nothing within these Terms shall limit any non-waivable consumer rights required under applicable law.
Platform Changes
Eliger Technologies LLC reserves the right to modify, suspend, update, restrict, or discontinue any portion of the platform, features, pricing, policies, or functionality at any time.
Continued use of the platform following updates constitutes acceptance of revised terms.
Limitation of Liability
To the maximum extent permitted by law, CreditFixLogic and Eliger Technologies LLC shall not be liable for:
• Financial losses
• Credit denials
• Lending decisions
• Business losses
• User decisions
• Data loss
• Reliance on AI-generated outputs
• Indirect, incidental, or consequential damages
Users assume full responsibility for actions taken based on platform information or educational content.
Third-Party Platform Dependency
Certain platform capabilities, AI functionalities, file handling features, integrations, response quality, upload capabilities, availability, usage limits, or access methods may depend on third-party providers, including OpenAI and related infrastructure providers.
Such providers may modify, restrict, suspend, limit, charge for, or discontinue features, access methods, pricing structures, or functionality at any time without notice.
CreditFixLogic and Eliger Technologies LLC are not responsible for third-party platform limitations, pricing changes, subscription requirements, outages, feature availability, account restrictions, or service interruptions imposed by external providers.
Dispute Resolution
Any disputes arising from use of the platform shall be resolved through binding individual arbitration to the extent permitted by applicable law.
Users waive the right to participate in class-action lawsuits or class-wide proceedings except where prohibited by law.
Governing Law
These Terms shall be governed by applicable laws within the United States and applicable state law.
Age Requirement
Users under the age of 18 should use the platform only with parental or legal guardian supervision and consent.
