TERMS OF SERVICE

Credit Comeback Queen

Effective Date: March 25, 2026

Last Updated: March 25, 2026

1. Introduction & Acceptance of Terms

Welcome to Credit Comeback Queen ("we," "us," "our," or the "Company"). These Terms of Service ("Terms") govern your access to and use of our website https://creditcomebackqueen.com, our services, and all communications including but not limited to SMS/text messaging, email, and phone communications.

By accessing our website, using our services, submitting your personal information, or opting into any of our communication channels (including SMS/text messaging), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our https://creditcomebackqueen.com/policy-page.

If you do not agree to these Terms, please do not use our website or services.

Credit Comeback Queen provides credit repair education, credit improvement resources, coaching, and related services. These Terms apply to all visitors, users, clients, and any other individuals who access or use our website and services.

2. Eligibility & Age Restriction

2.1 Minimum Age Requirement

You must be at least 18 years of age to use our website, services, and communication programs (including SMS/text messaging). By using our website or opting into our services and/or communications, you represent and warrant that:

  • You are at least 18 years of age

  • You have the legal capacity to enter into a binding agreement

  • You are a legal resident of the United States

  • You are the account holder or authorized user of the mobile phone number and/or email address provided

2.2 Unauthorized Use

If we become aware that a user is under the age of 18, we will immediately terminate access and delete any associated personal information. If you believe someone under 18 has used our services, please contact us at [email protected].

3. Description of Services

Credit Comeback Queen offers the following services (which may be updated from time to time):

  • Credit repair education and coaching

  • Credit improvement strategies, tips, and resources

  • Financial literacy content and guidance

  • Personalized credit action plans

  • Community support and accountability programs

  • Digital courses, guides, and downloadable resources

  • Related products, programs, and offers

3.1 No Guarantee of Results

Credit improvement results vary based on individual circumstances. We do not guarantee specific credit score increases, credit report changes, or specific financial outcomes. Any testimonials, case studies, or success stories shared on our website or in our communications represent individual experiences and are not intended to represent or guarantee that anyone will achieve the same or similar results.

3.2 Not Legal or Financial Advice

Our services are educational in nature. Nothing provided by Credit Comeback Queen should be construed as legal advice, financial advice, tax advice, or credit counseling from a licensed professional. We recommend consulting with qualified professionals for your specific situation.

4. SMS/Text Messaging Program — Terms & Conditions

This section outlines the full terms and conditions of our SMS/text messaging program. By opting in, you agree to all terms below.

4.1 Program Description

The Credit Comeback Queen SMS Program delivers text messages to opted-in subscribers including:

  • Marketing messages: Promotions, special offers, discounts, flash sales, and announcements about our credit repair and improvement services and products

  • Educational content: Credit tips, financial literacy information, credit improvement strategies, motivational content, and actionable advice

  • Transactional messages: Appointment reminders, booking confirmations, service updates, account notifications, enrollment confirmations, and delivery updates

  • Alerts & Reminders: Program reminders, event notifications, deadline alerts, webinar reminders, and important service updates

  • Customer support: Responses to your inquiries and HELP requests

4.2 Opt-In & Consent

By entering your mobile phone number on our website and providing consent (via webform submission, checking a consent checkbox, or texting a keyword such as "JOIN" or "QUEEN" to [INSERT PHONE NUMBER/SHORT CODE]), you expressly agree to receive recurring automated promotional and informational SMS/text messages from Credit Comeback Queen at the mobile number you provided.

You understand and agree that:

  • Your consent is not a condition of purchasing any goods or services

  • Messages are sent using an automated system

  • You can revoke consent at any time (see Section 4.5)

  • You are the owner or authorized user of the mobile device and phone number provided

  • You are responsible for notifying us if you change your phone number

4.3 Message Frequency

Message frequency varies based on your interactions, promotions, and program activity. You may receive up to [INSERT NUMBER, e.g., "15"] SMS messages per month. During special promotions, launches, or events, message frequency may temporarily increase.

4.4 Message & Data Rates

Message and data rates may apply. Standard messaging rates and data charges from your wireless carrier apply to all messages sent and received. These charges are determined by your carrier and your wireless plan. Credit Comeback Queen is not responsible for any carrier fees or charges associated with receiving our text messages.

Contact your wireless carrier for information about your messaging plan and rates.

4.5 How to Opt-Out

You may opt out of our SMS program at any time. To stop receiving text messages from Credit Comeback Queen:

  • Text STOP to [INSERT PHONE NUMBER/SHORT CODE]

You may also use any of the following keywords:

  • STOP

  • CANCEL

  • UNSUBSCRIBE

  • END

  • QUIT

After texting STOP, you will receive one final confirmation message confirming your opt-out. After that, you will no longer receive SMS messages from us unless you re-subscribe.

Opting out of SMS will not affect communications through other channels (email, phone, etc.) unless you separately opt out of those as well.

If you wish to re-subscribe after opting out, you may text "START" or "JOIN" to [INSERT PHONE NUMBER/SHORT CODE] or re-submit your phone number through our website.

4.6 Help & Customer Support

If you are experiencing issues with our SMS program or have questions, you can:

Our support team is available [INSERT HOURS, e.g., "Monday–Friday, 9:00 AM – 5:00 PM EST"].

4.7 Carrier Liability Disclaimer

Wireless carriers are not liable for any delayed, undelivered, or misdirected messages. Message delivery is subject to:

  • Effective transmission from your wireless carrier

  • Network availability and coverage

  • Device compatibility

  • Your carrier's messaging policies and limitations

The following carriers (and others) support our messaging program but are not responsible for the content, accuracy, or availability of messages sent through this program:

AT&T, Verizon, T-Mobile, Sprint, U.S. Cellular, Boost Mobile, Cricket, MetroPCS, Virgin Mobile, and other participating carriers.

Neither Credit Comeback Queen nor any wireless carrier shall be liable for any damages, losses, or expenses arising from or related to SMS messaging delays, failures, or content.

4.8 SMS Data Privacy

Your SMS opt-in information, mobile phone number, and consent data are handled in accordance with our Privacy Policy.

⚠️ IMPORTANT: We do NOT share, sell, rent, or disclose your SMS opt-in consent information or mobile phone number with any third parties or affiliates for marketing purposes. This data is used exclusively by Credit Comeback Queen to send you the messages you consented to receive.

For full details on how we handle your data, please review our Privacy Policy.

5. Website Use & Intellectual Property

5.1 Permitted Use

You may use our website for lawful, personal, and non-commercial purposes in accordance with these Terms. You agree not to:

  • Reproduce, distribute, or modify any content without written permission

  • Use our website for any fraudulent or illegal purpose

  • Attempt to interfere with the proper functioning of our website

  • Collect personal information of other users

  • Use automated tools (bots, scrapers) to access our website

5.2 Intellectual Property

All content on our website — including but not limited to text, graphics, logos, images, videos, courses, guides, downloads, and branding — is the property of Credit Comeback Queen and is protected by United States copyright, trademark, and intellectual property laws.

The name "Credit Comeback Queen" and associated logos and branding are trademarks of the Company. Unauthorized use is strictly prohibited.

5.3 User-Submitted Content

If you submit any content to us (testimonials, reviews, comments, photos, stories), you grant Credit Comeback Queen a non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, modify, publish, and display that content for marketing, promotional, and business purposes across all media channels.

6. Testimonials & Results Disclaimer

6.1 Individual Results

Testimonials, reviews, and success stories shared on our website, landing pages, social media, or advertisements represent the individual experiences of specific clients. These results are not typical and are not intended to represent or guarantee that anyone will achieve the same or similar results.

6.2 No Guaranteed Outcomes

Credit Comeback Queen does not guarantee:

  • Any specific credit score increase

  • Removal of specific items from credit reports

  • Approval for loans, credit cards, or other financial products

  • Any particular financial outcome or timeline

Individual results depend on many factors including but not limited to your starting credit situation, individual effort, compliance with recommendations, and the actions of creditors and credit bureaus.

6.3 FTC Compliance

All testimonials are shared in compliance with the Federal Trade Commission (FTC) Endorsement Guidelines. Where applicable, material connections between Credit Comeback Queen and testimonial providers are disclosed.

7. Payment Terms & Refund Policy

7.1 Pricing

All prices for services, programs, courses, and products are listed in US Dollars (USD) and are subject to change without notice. Applicable taxes and fees may apply.

7.2 Payment

Payment is due at the time of purchase unless otherwise specified. We accept payment through [INSERT PAYMENT METHODS, e.g., "credit card, debit card, PayPal, etc."].

7.3 Refund Policy

[INSERT YOUR REFUND POLICY — e.g., "All sales are final. Due to the digital nature of our products and services, we do not offer refunds. If you have questions or concerns, please contact us before purchasing." OR insert your specific refund terms.]

8. Limitation of Liability

8.1 General Limitation

To the fullest extent permitted by applicable law, Credit Comeback Queen, its owners, officers, employees, agents, partners, and affiliates shall NOT be liable for any:

  • Indirect, incidental, special, consequential, or punitive damages

  • Loss of profits, revenue, data, or business opportunities

  • Damages resulting from your use of or inability to use our website or services

  • Damages related to SMS messaging (see Section 4.7)

  • Damages arising from unauthorized access to your data

  • Errors, inaccuracies, or omissions in content

8.2 Maximum Liability

In no event shall our total liability to you for all claims exceed the amount you have paid to Credit Comeback Queen in the twelve (12) months preceding the claim, or $100 USD, whichever is greater.

8.3 No Warranty

Our website and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Indemnification

You agree to indemnify, defend, and hold harmless Credit Comeback Queen, its owners, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

  • Your use of our website or services

  • Your violation of these Terms

  • Your violation of any third-party rights

  • Any content you submit to us

  • Your SMS program participation

10. Dispute Resolution & Governing Law

10.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [INSERT STATE], without regard to its conflict of law principles.

10.2 Dispute Resolution

Any dispute, claim, or controversy arising from or relating to these Terms or our services shall first be resolved through good-faith negotiation. If a resolution cannot be reached within 30 days, the parties agree to submit to binding arbitration in [INSERT CITY, STATE] in accordance with the rules of the American Arbitration Association (AAA).

10.3 Class Action Waiver

You agree to resolve disputes on an individual basis only. You waive any right to participate in a class action lawsuit or class-wide arbitration against Credit Comeback Queen.

11. Third-Party Links & Services

Our website may contain links to third-party websites, products, or services. These links are provided for convenience only. Credit Comeback Queen does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites or services.

Your use of third-party websites is at your own risk and subject to their respective terms and privacy policies.

12. Termination

We reserve the right to suspend or terminate your access to our website and services at any time, without notice, for any reason including but not limited to:

  • Violation of these Terms

  • Fraudulent or illegal activity

  • Abusive or harmful behavior

  • Non-payment for services

Upon termination, all provisions of these Terms that by their nature should survive (including but not limited to intellectual property, limitation of liability, indemnification, and dispute resolution) shall continue to apply.

13. Changes to These Terms

We reserve the right to modify or update these Terms of Service at any time. When we make changes:

  • We will update the "Last Updated" date at the top of this document

  • We will post the revised Terms on our website

  • Material changes may be communicated via email or SMS

Your continued use of our website or services after any modifications indicates your acceptance of the updated Terms. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms of Service, together with our https://creditcomebackqueen.com/policy-page, constitute the entire agreement between you and Credit Comeback Queen regarding your use of our website and services, superseding any prior agreements or understandings.

16. Contact Us

If you have any questions, concerns, or requests regarding these Terms of Service, our SMS program, or our services, please contact us:

Credit Comeback Queen

For SMS program support:

  • Text HELP to [INSERT PHONE NUMBER/SHORT CODE]

  • Text STOP to [INSERT PHONE NUMBER/SHORT CODE] to opt out

For privacy-related requests:

Review our Privacy Policy

For support or questions about our SMS program, contact us at:

Email: [email protected]

Phone: 678-981-5808