Disclaimer: Credit Ally LLC provides financial education only. We are not a credit repair organization, credit counseling service, law firm, or financial advisor. We do not perform credit repair, dispute information with credit bureaus, or negotiate with creditors on your behalf. Results vary, and no specific outcome is guaranteed. Our content is not legal or financial advice.
1. Agreement
These Terms of Service ("Terms") govern your use of creditally.co and your purchase of products from Credit Ally LLC ("Credit Ally," "we," "us"). By using the site or buying a product, you agree to these Terms.
2. What we provide
Credit Ally sells digital financial education products: online courses and downloadable guides about how credit works, reading a credit report, budgeting, and money habits. Our products are educational content only. You are responsible for any decisions you make and any actions you take based on what you learn.
3. Products and prices
- Credit Report Decoder: $27 USD, delivered by instant download.
- Credit Foundations Course: $197 USD, delivered by online course access.
- Complete Money Program: $497 USD, delivered by online course access.
Prices are listed in U.S. dollars and are one-time payments. We do not sell subscriptions or recurring plans. Payments are processed securely by our payment processor. We may change prices for future purchases. A price change never affects an order you have already paid for.
4. Delivery and access
Products are delivered digitally immediately after your payment is confirmed. Details are in our Delivery Policy. Course access is for your personal use. Do not share login details.
5. Refunds
All sales are final. Because our products are digital and fully described before purchase, we do not offer refunds. Full details are in our Refund Policy.
6. License and intellectual property
All content is owned by Credit Ally LLC. When you buy a product, you receive a personal, non-transferable, non-exclusive license to use it for your own education. You may not resell, copy for distribution, publicly post, or create derivative products from our content.
7. Results vary
We do not promise that you will achieve any particular credit score, approval, interest rate, or financial outcome. Results depend on your individual circumstances and actions.
8. Acceptable use
You agree not to misuse the site, attempt to access it without authorization, interfere with its operation, or use it for any unlawful purpose.
9. Limitation of liability
To the fullest extent permitted by law, Credit Ally LLC is not liable for indirect, incidental, or consequential damages arising from your use of the site or products. Our total liability for any claim is limited to the amount you paid for the product involved.
10. Governing law
These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-law rules.
11. Changes
We may update these Terms. The effective date above shows the latest version.
12. Contact
Credit Ally LLC
6 East Eager Street, Baltimore, MD 21202
Email: support@creditally.co
Phone: (410) 908-6882