01
Who We Are
Snap Credit Fix Inc. (“Snap Credit Fix,” “we,” “us,” or “our”)
provides credit repair, credit education, credit-building, and related
financial coaching services.
Business Address
Snap Credit Fix Inc.
1641 Colusa Hwy., Ste #200B
Yuba City, CA 95993
02
Our Services Are Educational — Results Are Not Guaranteed
Snap Credit Fix helps clients understand and dispute inaccurate,
unverifiable, or outdated information appearing on their credit reports.
We may also provide education and coaching related to budgeting, debt
payoff, credit building, and financial habits.
We do not guarantee:
- Any specific increase in your credit score
- That any particular item will be removed from your credit report
- Approval for any loan, credit card, rental, or other financial product
- Any specific credit repair outcome
Results vary based on your individual credit history, the accuracy of
information being reported, and the responses of creditors, furnishers,
and credit bureaus, all of which may be outside our control.
Testimonials, reviews, case studies, or example results appearing on our
website reflect individual experiences and should not be interpreted as
a guarantee that you will achieve similar results.
03
Your Rights Under the Credit Repair Organizations Act (CROA)
If you engage Snap Credit Fix Inc. for credit repair services, federal
law under the Credit Repair Organizations Act (CROA)
provides you with certain consumer protections.
Right to Cancel
You may cancel your contract with us, without penalty or obligation,
at any time before midnight of the third business day after
you sign the agreement.
Cancellation instructions and the appropriate address for submitting
your cancellation will be included in your service agreement.
Written Contract Required
You are entitled to receive a written service agreement describing,
among other things:
- The services to be performed
- The expected timeframe for those services
- The total cost
- Your cancellation rights
No Advance Payment
Snap Credit Fix will not request or receive payment for credit repair
services before those services have been fully performed, as required
by applicable federal law.
No False Promises
Snap Credit Fix does not promise or represent that accurate,
verifiable, and timely information can lawfully be removed from your
credit report.
We also do not guarantee a specific credit score or credit-related
outcome.
Your Consumer Rights Cannot Be Waived
Nothing contained in these Terms or in a service agreement with Snap
Credit Fix waives any rights provided to you under CROA or other
applicable consumer protection laws.
A separate written disclosure titled “Consumer Credit File Rights Under State and Federal Law”
will be provided as required by applicable law.
04
Free Consultations and Website Use
Booking a free consultation through our website does not
create a service contract.
A consultation simply schedules a conversation with Snap Credit Fix to
discuss your credit situation and potential services.
No credit repair services begin until you separately enter into a written
service agreement containing the required disclosures and terms.
When using our website, you agree to:
- Use the website only for lawful purposes
- Provide accurate information when completing forms
- Avoid attempting to interfere with the website’s operation, security,
or functionality
- Avoid using website content in violation of applicable laws or
intellectual property rights
05
Text Messaging (SMS) Program
If you voluntarily opt in to receive text messages from Snap Credit Fix:
- Message frequency may vary.
- Message and data rates may apply.
- Reply STOP
at any time to unsubscribe.
- Reply HELP
for assistance.
- Consent to receive text messages is not a condition of purchasing any product or service.
Please review our Privacy Policy
for
additional information regarding how information collected through text
messaging is handled.
Mobile opt-in information will not be shared with third parties for their
own marketing purposes.
06
Fees and Payment
Fees, payment schedules, cancellation terms, and any applicable refund
policies will be described in your written service agreement.
Payment for credit repair services will be handled in accordance with
applicable federal and California law, including requirements governing
when fees may be charged or collected.
If there is any conflict between general pricing information displayed on
our website and the terms of your signed service agreement, the written
service agreement will control to the extent permitted by law.
07
Intellectual Property
Unless otherwise stated, all website content is owned by or licensed to
Snap Credit Fix Inc., including:
- Text
- Graphics
- Logos
- Designs
- Photographs
- Videos
- Website layouts
- Snap Credit Fix names, branding, and marks
Website content may not be copied, reproduced, distributed, modified,
published, displayed, or commercially used without prior written
permission from Snap Credit Fix Inc. or the applicable rights holder.
08
Disclaimers and Limitation of Liability
The information available through our website is provided for general
informational and educational purposes.
Website content does not constitute individualized:
- Legal advice
- Tax advice
- Financial advice
- Lending advice
- Credit counseling advice
Our website and its content are provided on an “as is”
and “as available”
basis to the
extent permitted by law.
To the fullest extent permitted by applicable law, Snap Credit Fix Inc.
will not be responsible for indirect, incidental, special, or
consequential damages resulting from your use of, or inability to use,
our website.
Nothing in these Terms is intended to limit or eliminate any consumer
right, protection, or remedy provided under CROA or other applicable law.
09
Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law
principles, together with any applicable federal laws, including the
Credit Repair Organizations Act.
10
Changes to These Terms
We may update these Terms periodically to reflect changes in our website,
services, business practices, or applicable law.
When changes are made, the “Last Updated”
date at the top
of this page will be revised.
Your continued use of the website after updated Terms are posted
constitutes acceptance of the revised Terms to the extent permitted by
applicable law.