This Website Terms of Use Agreement ("Website Terms") is a legally binding agreement between you and Credit Prime USA, its current or future parents, subsidiaries, affiliates, successors, assigns, and their respective agents, directors, officers, employees, and representatives (collectively, “Credit Prime USA,” “we,” or “us”). Our principal place of business is:

Credit Prime USA 4905 W. Tilghman St, Suite 300, Allentown, PA 18104
Email: support@creditprimeusa.com

These Terms govern your access to and use of our website and services (“Website”), your engagement with our credit restoration services, and/or your participation in Credit Prime USA’s communication programs, including our Text Message Program (collectively, “Services”).

By accessing or using our Website, submitting your information, signing up for services, and/or participating in our Text Message Program, you agree to be bound by these Terms, our Privacy Policy, and any other applicable legal notices.

1. About These Terms

We may update or modify these Terms from time to time without notice. If you do not agree to the changes, you must stop using the Website and our services. Continued use constitutes acceptance of the modified terms.

2. Our Services

Credit Prime USA offers credit education, credit restoration services, and other tools designed to help improve your credit profile. You are not required to enroll to view public information on the site, but service enrollment is required to receive credit restoration assistance.

3. User Eligibility

To use our services, you must be at least 18 years old and legally capable of entering into contracts. You agree to provide accurate, current, and complete information and update it as necessary.

4. Client Portal and Case Management

Once enrolled, you will gain access to our secure client portal to track your case progress, review notes, upload documents, and communicate with us. Portal access may be suspended for failure to pay or misuse.

5. Text Message Program

By enrolling, you consent to receive text messages from us regarding your account, case updates, or promotions. To opt out, reply STOP to any message. Message and data rates may apply.

6. Intellectual Property

All content on the Website (text, logos, graphics, software, etc.) is the property of Credit Prime USA or its licensors and protected under intellectual property laws. Unauthorized use or duplication is strictly prohibited.

7. Permitted Use

You may use the Website only for lawful, personal, and non-commercial purposes. You may not:

• Copy, modify, or distribute site content

• Interfere with site functionality or security

• Engage in data scraping or reverse engineering

• Submit false or misleading information

• Use the Website for spam or unlawful activities

8. Arbitration Agreement

Any disputes between you and Credit Prime USA will be resolved through binding individual arbitration, not in court. You waive your right to a jury trial and participation in class actions. Arbitration will be governed by the Federal Arbitration Act and administered by the American Arbitration Association (AAA).

9. Limitation of Liability

We do not guarantee any specific results from using our services. Credit Prime USA will not be liable for indirect, incidental, or consequential damages arising from your use of the Website or Services. Some jurisdictions may not allow these limitations, in which case liability is limited to the fullest extent permitted by law.

10. Disclaimer

All content is for informational purposes only and not legal or financial advice. We do not guarantee that any specific item will be removed from your credit report or that your credit score will improve. Information on our website is for educational purposes only and does not substitute for professional advice. Prior results do not guarantee similar outcomes for other clients. You should always consult with your own legal, financial, or tax advisor before making any credit-related decisions.

11. Refund Policy – 90-Day Money-Back Guarantee

We offer a risk-free 90-day guarantee. If no questionable negative items are removed within 90 days, you may request a full refund if you:

• Have participated actively for 90 consecutive days

• Provided all required documents and ID verification

• Made all required payments

• Have not incurred new derogatory items

Refund requests must be made between days 91 and 120. 

Please go to: https://www.creditprimeusa.com/90day

12. Privacy Policy

Your privacy is important to us. Please refer to our Privacy Policy for details on how your information is collected, used, and shared.

13. Electronic Communications

By using our Website and Services, you consent to receive notices and communications electronically. You may withdraw consent by discontinuing use of our services.

14. Third-Party Services

Some tools may link to or integrate with third-party providers. We are not responsible for their actions, content, or data practices.

15. Termination

We reserve the right to suspend or terminate your access to the Website or Services at our sole discretion, especially for violations of these Terms or misuse.

16. Severability

If any part of these Terms is found to be unenforceable, the rest will remain in effect.

17. Governing Law

These Terms are governed by the laws of the State of Delaware, excluding its conflict of laws principles. The arbitration clause is governed by federal law.

18. Contact Information

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

Credit Prime USA
4905 W. Tilghman St, Suite 300
Allentown, PA 18104
Email: support@creditprimeusa.com
Website: www.creditprimeusa.com