Terms of Service

1. Services

Cradexa provides AI-powered credit repair services including credit report analysis, dispute letter generation, and dispute tracking. Our services are designed to help you identify and dispute inaccurate, outdated, or unverifiable information on your credit reports.

2. No Guarantees

Credit repair results vary by individual. We do not guarantee that any specific items will be removed from your credit report or that your credit score will increase by any specific amount. We guarantee only that we will use our best efforts and AI-powered tools to identify and dispute inaccurate information on your behalf.

3. Payment Terms

In compliance with the Credit Repair Organizations Act (CROA) and Texas Finance Code Chapter 393:

• No upfront fees. We do not charge any fees until services have been fully performed.
• Subscription fees are billed monthly after the initial round of disputes has been sent.
• You may cancel your subscription at any time.

4. Cancellation Rights

You have the right to cancel your contract with Cradexa for any reason within 3 business days from the date you signed it. After the 3-day cancellation period, you may still cancel your subscription at any time, effective at the end of your current billing period.

5. Your Responsibilities

You agree to:

• Provide accurate and truthful information
• Respond to our requests for information in a timely manner
• Not use our services for fraudulent purposes
• Keep your account credentials secure

6. Limitation of Liability

Cradexa's liability is limited to the amount of fees you have paid us in the 12 months preceding any claim. We are not liable for any indirect, incidental, or consequential damages arising from the use of our services.

7. Governing Law

These terms are governed by the laws of the State of Texas and applicable federal laws, including the Credit Repair Organizations Act (15 U.S.C. § 1679) and the Fair Credit Reporting Act (15 U.S.C. § 1681).

8. Contact