Terms of Service

Last updated: June 24, 2026

1. Acceptance of Terms

By accessing or using CreditGrok ("Service"), operated by CreditGrok at creditgrok.com, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Description of Service

CreditGrok is an educational platform providing tools, content, and resources related to personal credit building, business credit, tax strategies, and financial literacy. The Service does not provide licensed financial, legal, or tax advice. All content is for educational and informational purposes only.

3. Eligibility

You must be at least 18 years of age to use the Service. By creating an account, you represent and warrant that you meet this age requirement and that all information you provide is accurate and truthful.

4. Accounts

  • You are responsible for maintaining the confidentiality of your account credentials.
  • You are responsible for all activities that occur under your account.
  • You must notify us immediately of any unauthorized use of your account.
  • We reserve the right to suspend or terminate accounts that violate these Terms.

5. Subscriptions and Billing

  • Access to premium features requires a paid subscription (monthly or annual).
  • Subscription fees are charged in advance and are non-refundable. We do not offer refunds under any circumstances.
  • You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period.
  • We reserve the right to change subscription pricing with reasonable advance notice to subscribers.
  • Additional charges apply for add-ons such as family member profiles and business profiles, as displayed at the time of purchase.

6. Referral Program

  • Participation in the referral program is subject to program rules, which may change at any time.
  • Referral rewards are only paid out when the referred user maintains an active paid subscription for the qualifying period.
  • We reserve the right to withhold or reverse referral credits in cases of suspected fraud, abuse, or violation of these Terms.
  • Minimum payout thresholds and payout methods are set by us and may be updated with notice.

7. Prohibited Conduct

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any regulations.
  • Attempt to scrape, copy, reproduce, or redistribute any content from the Service without written permission.
  • Reverse-engineer, decompile, or attempt to extract the source code of the Service.
  • Submit false, misleading, or fraudulent information.
  • Interfere with or disrupt the integrity or performance of the Service.
  • Share your account credentials or allow others to access the Service through your account.

8. Intellectual Property

All content, trademarks, logos, and materials on the Service are owned by or licensed to CreditGrok and are protected by applicable intellectual property laws. You may not use, reproduce, or distribute any content from the Service without our prior written consent.

9. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components. CreditGrok is not a licensed financial advisor, attorney, or tax professional. Nothing on the Service constitutes professional financial, legal, or tax advice.

10. Limitation of Liability

To the fullest extent permitted by law, CreditGrok shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or data, arising from your use of or inability to use the Service, even if we have been advised of the possibility of such damages. Our total liability to you shall not exceed the total amount paid by you for the Service in the twelve (12) months preceding the claim.

11. Indemnification

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

12. Termination

We reserve the right to suspend or terminate your access to the Service at our discretion, with or without notice, for conduct that we determine violates these Terms or is harmful to other users, us, or third parties. Upon termination, your right to use the Service immediately ceases.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under these Terms shall be resolved through binding arbitration, except where prohibited by law.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a new effective date. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

15. Contact Us

If you have any questions about these Terms, please contact us at:

CreditGrok
Email: FundingGymSocial@gmail.com
Website: https://creditgrok.com