Terms of Service

1. Agreement to Terms

By accessing or using Cradexa ("Platform," "Service," "we," "us," or "our") at www.cradexa.com and app.cradexa.com, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Platform.

2. Description of Service

Cradexa is an AI-powered credit intelligence platform that provides users with self-service tools and educational resources to better understand their credit profiles. Our platform includes:

• AI-powered credit report analysis tools
• Credit score simulation and "what-if" scenarios
• Educational content about credit management
• Automated document generation tools (including dispute letters, goodwill letters, and debt validation letters)
• Credit-building action plans and recommendations
• Document storage and management

3. No Guarantee of Results

Cradexa does not guarantee any specific outcomes, credit score improvements, or results. Credit outcomes depend on individual circumstances, actions taken by the User, responses from credit bureaus and creditors, and other factors outside of Cradexa's control.

Any examples, case studies, or illustrations on the Platform are for educational purposes only and do not represent guaranteed or typical results.

4. User Responsibilities

By using Cradexa, you agree that:

• You are at least 18 years of age.
• All information you provide is accurate and truthful.
• You are solely responsible for all actions you take using the Platform, including submitting dispute letters, contacting credit bureaus, or communicating with creditors.
• You will not use the Platform for any unlawful purpose.
• You will not misrepresent your identity or provide false information to credit bureaus, creditors, or any third party.
• You are responsible for maintaining the confidentiality of your account credentials.

5. Subscription and Billing

Cradexa operates on a subscription-based model. Available plans and pricing are displayed on our website and may be updated from time to time. All paid plans are billed monthly in arrears — meaning you are charged after services are completed each month, not upfront. The maximum contract term is 6 months.

A one-time $59 Credit Audit Fee is charged after your initial credit audit is completed.

We reserve the right to change subscription prices with at least 30 days' notice to existing subscribers. Continued use of the Service after a price change constitutes acceptance of the new pricing.

Cradexa offers a free tier ("Credit Checkup") with limited features. No payment is required for the free tier. We reserve the right to modify or discontinue the free tier at any time.

6. Cancellation Policy

You may cancel your subscription at any time by providing 5 days written notice before your next monthly billing date. Cancellation requests must be submitted in writing via email to info@cradexa.com or through your account dashboard. Please see our full Cancellation & Refund Policy for details.

Because services are billed in arrears, all charges reflect work already performed and are final and non-refundable except in cases of billing error or duplicate charges.

7. Right to Cancel (CROA)

In accordance with the Credit Repair Organizations Act (CROA), you have the right to cancel your agreement with Cradexa within 3 business days of signing for any reason. To cancel, send written notice to Cradexa LLC, 1942 W Gray St #1010, Houston, TX 77019, or email info@cradexa.com. If you cancel within the 3-day period, you will receive a full refund of any fees paid.

8. Intellectual Property

All content, software, design, text, graphics, logos, and other materials on the Platform are the property of Cradexa LLC or its licensors and are protected by applicable intellectual property laws. Documents generated by the Platform (such as letters) are generated for your personal use and may be used by you for their intended purpose.

9. Privacy

Your use of the Platform is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

10. Third-Party Services

Cradexa may integrate with or recommend third-party services (such as credit monitoring providers). These third-party services are governed by their own terms and privacy policies. Cradexa is not responsible for the practices or content of third-party services.

11. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CRADEXA DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY SPECIFIC CREDIT OUTCOME WILL BE ACHIEVED.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CRADEXA LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE PLATFORM. IN NO EVENT SHALL CRADEXA'S TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO CRADEXA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

13. Indemnification

You agree to indemnify and hold harmless Cradexa LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Platform, your violation of these Terms, or your violation of any rights of a third party.

14. CROA Compliance

Cradexa operates in compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679-1679j, and applicable state laws including the Texas Finance Code. In accordance with CROA:

• You have the right to dispute inaccurate information in your credit report directly with credit bureaus at no charge.
• You have the right to obtain a copy of your credit report from AnnualCreditReport.com.
• You have the right to cancel your subscription at any time without penalty.
• No one can legally remove accurate, timely negative information from your credit report.

You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act.

15. Dispute Resolution

Any disputes arising from these Terms or your use of the Platform shall first be attempted to be resolved through informal negotiation. If informal resolution is not successful, disputes shall be resolved through binding arbitration in Harris County, Texas, in accordance with the rules of the American Arbitration Association.

16. Governing Law

These Terms shall be governed by and construed in accordance with 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), without regard to conflict of law provisions.

17. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Platform after changes are posted constitutes acceptance of the modified Terms.

18. Contact Information