Terms of Service

1Acceptance of Terms

These Terms govern your access to and use of the website crizmarkcredit.com (the "Site") and the services provided by CrizMark LLC, a Florida limited liability company, doing business as CrizMarkCREDIT ("CrizMark," "we," "us," or "our").

By accessing the Site, creating an account, submitting a lead form, purchasing Services, or otherwise using our offerings, you ("you" or "User") agree to be bound by these Terms and our Privacy Policy (incorporated by reference).

If you do not agree, do not use our Services.

2Description of Services

CrizMarkCREDIT provides the following Services:

2.1Credit Repair

Dispute negotiation and removal of inaccurate, incomplete, or unverifiable items on consumer credit reports, in accordance with the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA).

2.2LLC Formation

Preparation and filing of documents to form a limited liability company. WE ARE NOT ATTORNEYS. We are document preparers. We cannot provide legal advice.

2.3Commercial Credit Building

12-month structured program for business credit profile development.

2.4Tradeline Marketplace

Facilitation of authorized user tradeline placements through TradelineSupply Company, LLC.

2.5Auto Advisor

Consulting service for vehicle purchase decisions. We are NOT car dealers, brokers, or licensed automotive advisors. We provide independent consultation only.

2.6Insurance Referrals

Facilitation of contact between Users and an independent licensed insurance agent. WE ARE NOT AN INSURANCE COMPANY OR LICENSED INSURANCE AGENT. We do not sell, underwrite, or administer insurance policies.

2.7Accident Help

Educational information about post-accident options in Florida. WE ARE NOT ATTORNEYS. We do not provide legal advice. We do not represent clients in legal matters. We do not connect Users with attorneys or medical providers in exchange for compensation.

CrizMark reserves the right to modify, suspend, or discontinue any Service at any time.

3Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have legal capacity to enter binding contracts
• Reside in a U.S. jurisdiction where the requested Service is legally available
• Provide accurate and complete information
• Comply with these Terms and applicable laws

We may refuse Service, terminate accounts, or remove content at our sole discretion.

4Account Registration

Some Services require an account. You agree to:

• Provide truthful, current, and complete information
• Maintain the security of your login credentials
• Notify us immediately of unauthorized access
• Be responsible for all activity under your account

We are not liable for any loss resulting from unauthorized account access caused by your failure to maintain credential security.

5Service-Specific Terms

5.1Credit Repair Service

• Compliance: We comply with the Credit Repair Organizations Act (CROA, 15 U.S.C. §§ 1679 et seq.) and Florida Statute 817.7001.
• Mandatory Notice: Before purchase, you will receive the federal "Consumer Credit File Rights Under State and Federal Law" notice.
• Cancellation Right: You may cancel without penalty or obligation within FIVE (5) BUSINESS DAYS after signing the service agreement (Florida 5-day right exceeds federal 3-day right).
• No Performance Guarantees: We make no promises that any specific item will be removed or that your credit score will increase. Results vary.
• Billing Structure: setup fee quoted per case and disclosed before service starts. Pay-per-result: $119 per account/tradeline removed, $19 per inquiry removed. No monthly subscription. All charges occur under the applicable service agreement and compliance rules.
• Disputes are processed via DisputeFox. Letters are delivered via certified mail.

5.2LLC Formation Service

• NOT LEGAL ADVICE: We prepare documents based on information you provide. We do NOT provide legal advice, attorney services, or tax advice.
• Package Pricing: Básico $299, Premium $599, Combo $999 (includes Commercial Credit Building).
• Filing Fees: State filing fees (Florida Sunbiz: $125) are separate and paid directly to the state.
• Timeline: Typical filing turnaround is 7-14 business days, but we cannot guarantee state processing times.

5.3Commercial Credit Building

• 12-month structured program: $499.99 setup + $79.99/month
• Prerequisite: Active LLC or Corp
• Outcomes Vary: We provide vendor enrollment guidance, NAICS optimization, and DUNS registration assistance. We cannot guarantee specific credit score increases.

5.4Tradeline Marketplace

• Tradelines are placed through TradelineSupply Company, LLC. CrizMark is a broker; TradelineSupply is the service provider.
• Posting Time: Tradelines typically post in 1-2 billing cycles, but we cannot guarantee specific posting dates.
• Refund Policy: 21-day refund window from purchase date. After posting, refunds are not available except as required by law.
• Required Documents: You must provide accurate identification documents as required by TradelineSupply.
• Geographic Restriction: Tradeline services are NOT available to Georgia residents.
• Cancellation: 5-day cancellation right applies per Florida Statute 817.7001.

5.5Auto Advisor

• Consulting Only: We provide independent consultation. We do NOT sell vehicles, broker financing, or act as licensed motor vehicle dealers.
• Pricing: Quoted individually per case after free consultation; non-refundable once the consultation has been delivered.

5.6Insurance Referrals

• NOT AN INSURANCE COMPANY: CrizMark is NOT an insurance company or licensed insurance agent. We do not sell insurance.
• Independent Licensed Agent: All insurance services are provided by an independent licensed insurance agent. CrizMark facilitates initial contact only.
• No Fees or Compensation: You do not pay CrizMark for Insurance Referral. CrizMark does not receive compensation, referral fees, commissions, or other payments for this lead transfer.
• No Pressure: The consultation is provided without obligation to purchase.

5.7Accident Help

• EDUCATIONAL ONLY: Accident Help is purely educational. We do NOT provide legal advice.
• NOT ATTORNEYS: We are not attorneys, paralegals, or licensed legal service providers.
• NO REFERRALS FOR COMPENSATION: We do NOT refer Users to specific attorneys, medical clinics, or other providers in exchange for monetary compensation.
• Independent Counsel Recommended: For legal representation, you must contact a licensed attorney on your own. Public resources include the Florida Bar Lawyer Referral Service (1-800-342-8011).

6Fees and Payment

6.1Payment Processing

All payments are processed by Stripe, Inc. You authorize CrizMark to charge your payment method for the fees specified for your selected Service.

6.2Recurring Charges

For subscription Services (Commercial Credit Building only — the $79.99/month component during the 12-month program), you authorize automatic recurring charges until cancellation per Section 7. Credit Repair is NOT a subscription; charges are a quoted setup fee + pay-per-result only.

6.3Pay-Per-Result Charges (Credit Repair)

For each negative item removed from your credit report, you authorize a separate charge ($119 per account, $19 per inquiry). Each charge is itemized in its own receipt.

6.4Failed Payments

If a payment fails, we may retry through Stripe Smart Retries. If payment continues to fail, we may suspend or terminate your Service.

6.5Taxes

You are responsible for applicable taxes on fees paid.

6.6Price Changes

We may modify fees with 30 days advance notice to active customers. Continued use after notice constitutes acceptance.

7Cancellation and Refunds

7.1Five-Day Cancellation (Credit Repair, per FL Statute 817.7001)

You may cancel the Credit Repair Service without penalty within five (5) business days after signing the service agreement. To exercise this right, send written notice to: info@crizmarkcredit.com (or mail to business address).

7.2Three-Day Cancellation (Federal CROA)

The federal CROA provides a three-day cancellation right for credit repair services. Florida's 5-day right is longer, so the 5-day right controls.

7.3Subscription Cancellation

Subscriptions (Commercial Credit Building only) may be cancelled at any time. Cancellation takes effect at the end of the current billing period. No prorated refunds.

7.4No Refunds for Completed Services

Services already performed are non-refundable, except as required by law (e.g., FL 5-day right).

7.5Pay-Per-Result Charges

Once a negative item has been removed and you have been charged, the charge is non-refundable.

7.6Tradelines

See Section 5.4 for tradeline-specific refund policy.

8User Conduct

You agree NOT to:

• Provide false, misleading, or inaccurate information
• Use Services for fraudulent or illegal purposes
• Attempt to dispute accurate negative information on your credit report (CROA prohibits this)
• Reverse-engineer, scrape, or copy our Site
• Resell or redistribute our Services without written authorization
• Interfere with Site operation
• Impersonate another person
• Violate any applicable law

Violation may result in immediate termination without refund.

9Intellectual Property

9.1Our Content

All content on the Site (text, graphics, logos, designs, code) is owned by CrizMark LLC or licensed to us, and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

9.2Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes.

9.3Restrictions

You may not copy, modify, distribute, sell, or create derivative works without our prior written consent.

9.4Your Content

You retain ownership of content you submit. You grant CrizMark a worldwide, royalty-free license to use, store, and process your content to provide Services.

9.5Trademarks

"CrizMarkCREDIT" and "CrizMark" are trademarks of CrizMark LLC. All other trademarks are the property of their respective owners.

10Disclaimers and Limitation of Liability

10.1Services Provided "As Is"

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

10.2No Guarantees

We make NO GUARANTEES regarding specific credit score increases, removal of any specific item from your credit report, approval of insurance applications, specific business credit outcomes, or outcomes of consultations or document filings. Results vary based on individual circumstances. Past results do not guarantee future outcomes.

10.3Not Legal or Financial Advice

Information on our Site and provided through our Services is for informational and educational purposes only. It is NOT legal, tax, accounting, insurance, or financial advice.

10.4Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CRIZMARK LLC, ITS OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR: indirect, incidental, special, consequential, or punitive damages; loss of profits, revenue, data, or use; damages exceeding the total amount paid by you to CrizMark in the twelve (12) months preceding the claim; damages arising from third-party services. Some jurisdictions do not allow exclusion of certain damages, so these limitations may not apply to you.

10.5Force Majeure

CrizMark is not liable for delays or failures caused by events beyond reasonable control, including natural disasters, government actions, internet outages, third-party service failures, or pandemics.

11Indemnification

You agree to indemnify, defend, and hold harmless CrizMark LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of Services
• Your violation of these Terms
• Your violation of applicable laws
• Your violation of third-party rights
• Inaccurate information you provided

12Arbitration Agreement and Class Action Waiver

12.1Mandatory Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with CrizMark (collectively, "Disputes") shall be resolved EXCLUSIVELY through final and binding INDIVIDUAL ARBITRATION, except as provided in Section 12.6 below.

12.2Arbitration Rules

Arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at adr.org. The Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) governs the interpretation and enforcement of this agreement.

12.3Location

Arbitration shall be conducted in Miami-Dade County, Florida, unless both parties agree otherwise or AAA rules require a different location.

12.4Arbitration Fees

CrizMark will pay AAA filing fees and arbitrator costs for claims totaling less than $10,000. For larger claims, fees will be allocated per AAA Consumer Arbitration Rules.

12.5CLASS ACTION WAIVER

If a court determines this class action waiver is unenforceable in a particular case, that case shall be severed from arbitration and proceed in court, but the remainder of the arbitration agreement remains in effect.

12.6Exceptions to Arbitration

The following are NOT subject to arbitration:

• Claims in small claims court within its jurisdictional limits
• Claims for injunctive or equitable relief regarding intellectual property
• Claims that cannot be arbitrated under applicable law

12.730-Day Opt-Out Right

You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by sending written notice to:

Opting out does not affect other portions of these Terms.

12.8Severability

If any portion of this Arbitration Agreement is found unenforceable, the remaining provisions shall remain in effect, except that if Section 12.5 (Class Action Waiver) is found unenforceable in a proceeding, the entire Arbitration Agreement is void for that proceeding only.

13Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles. Federal laws governing credit repair (CROA), credit reporting (FCRA), debt collection (FDCPA), and privacy (GLBA) apply where relevant.

14Miscellaneous

14.1Modifications

We may modify these Terms at any time. Material changes will be notified via email (active customers) or prominent Site notice. Continued use after changes constitutes acceptance.

14.2Severability

If any provision is found unenforceable, the remainder remains in full effect.

14.3No Waiver

Failure to enforce any right does not waive that right.

14.4Entire Agreement

These Terms, our Privacy Policy, and any service-specific agreements (e.g., CROA Service Agreement) constitute the entire agreement between you and CrizMark.

14.5Assignment

You may not assign these Terms without our written consent. We may assign without restriction.

14.6Contact

14.7Florida Disclosures

Additional disclosures specific to Florida residents are available at /legal/florida-disclosures.

14.8CROA Disclosure

The federal Consumer Credit File Rights notice is available at /legal/croa-disclosure and is provided before any Credit Repair purchase.