Website Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

Our services are available exclusively within the United States. For availability details, please contact us directly or review the information provided on our website.

Your use of this website (referred to as the "Website") is governed by these terms and conditions of use ("Terms of Use") and all applicable laws. These Terms of Use govern your access to and use of www.VPCreditServices.com (the "Website"), which is owned and operated by VP Credit Services, LLC ("VP Credit Services"). These Terms do not alter any other agreements you may have with VP Credit Services for additional services.

VP Credit Services reserves the right to modify these Terms of Use at any time at its sole discretion. Any changes will take effect immediately upon posting to this Website. By continuing to use the Website after such changes are posted, you agree to the updated Terms of Use. If you do not agree with these Terms of Use, our Privacy Policy, or any other policies governing the Website, you must discontinue your use of the Website immediately.

For any questions regarding these Terms of Use or your access to the Website, please contact our Customer Service team at info@vpcreditservices.com.

PRIVACY

At VP Credit Services, we respect the privacy of our customers and encourage you to review our Privacy Policy to make informed decisions about using our Website. Our Privacy Policy outlines the collection, use, and protection of your personal information, and we urge you to carefully review it for a clear understanding of our practices.

COPYRIGHT

Unless otherwise stated, all materials on this Website, including but not limited to the VP Credit Services logo, designs, text, graphics, files, and their arrangement, are the proprietary and copyrighted property of VP Credit Services or its licensors.

You may electronically copy and print portions of this Website solely for your personal, non-commercial use and for informational purposes. Any other use, including but not limited to commercial purposes, reproduction, modification, distribution, republication, or display, is strictly prohibited without prior written permission from VP Credit Services.

ACCESS TO SERVICES

The VP Credit Services Website provides the option to create a unique username and password to access our customized online services. Access to these Online Services is restricted to individuals authorized by you who are 18 years of age or older.

Use of our Online Services is limited to users within the United States, and access from outside the country is not permitted. VP Credit Services reserves the right to restrict certain features or materials available through the Online Services. Additionally, materials, features, and functionalities may be added, modified, or removed at our sole discretion without prior notice.

TRADEMARKS

The VP Credit Services logo, along with any proprietary service names or marks displayed on this Website, are trademarks or registered trademarks of VP Credit Services, LLC or its licensors. These trademarks may not be copied, imitated, or used, in whole or in part, without prior written permission from VP Credit Services.

Additionally, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of VP Credit Services and are also protected from unauthorized use. Any other trademarks, registered trademarks, service names, or company names mentioned on this Website are the property of their respective owners.

UPLOADED CONTENT

Any content you upload to your personal space on the VP Credit Services Website belongs to you and is intended for your personal use. By uploading content, you certify that you own the rights to the materials and accept full responsibility for their use.

You agree not to upload, post, reproduce, or distribute any materials that infringe upon U.S. copyright laws, trademarks, trade secrets, or other proprietary rights. Additionally, you must not upload content that violates any rights of publicity, privacy, or other third-party rights without obtaining prior written consent from the rightful owner.

SUBMISSIONS

By providing materials to VP Credit Services, including but not limited to questions, comments, credit reports, communications with credit bureaus or creditors, suggestions, ideas, plans, notes, drawings, original creative works, or other information, whether via email, submissions on the Website, or other means, you agree that such materials are not confidential.

You grant VP Credit Services a perpetual, worldwide, non-exclusive license to use, reproduce, modify, distribute, and display these materials in any manner deemed appropriate, without further notice or compensation to you.

SERVICES DESCRIPTION

VP Credit Services strives to provide accurate and up-to-date descriptions of our services. However, we do not guarantee that all service descriptions or other content on this Website will be entirely accurate, complete, reliable, current, or error-free.

If any service provided by VP Credit Services is not as described, your sole remedy is to cancel the service in accordance with the terms outlined in the applicable service agreement. All prices displayed on the Website are listed in U.S. Dollars and are valid only within the United States.

PAYMENTS, REFUNDS, AND CANCELLATIONS

PRICING AND BILLING

All prices are clearly indicated at the time of purchase and will be billed immediately upon transaction completion.

90-DAY MONEY BACK GUARANTEE

We offer a 90-day money-back guarantee to ensure your satisfaction with our services. If you are not fully satisfied within 90 days from the date of your purchase, you may request a full refund under the following conditions:

Eligibility: Requests must be submitted within 90 days from the original start of service date.
Request Process: Refund requests must be submitted by contacting our customer support team via email or through our support portal.
Refund Conditions: The guarantee applies only to your initial purchase and does not extend to renewals, subsequent transactions, or additional products or services. Refunds will not be granted in cases of misuse or violation of our service terms.
Refund Issuance: Once approved, refunds will be processed to the original payment method within 10-14 business days.

We reserve the right to refuse refunds if we suspect abuse of this guarantee policy.

CANCELLATION POLICY

You may cancel your subscription at any time through your account settings or by contacting customer support. Cancellations take effect at the end of your current billing cycle, and no partial refunds are provided for unused periods.

TERMS AND CONDITIONS OF THE USE OF VP CREDIT SERVICES

All use and/or purchase of VP Credit Services' credit restoration services are governed by the VP Credit Services Agreement. Users may cancel their accounts at any time, subject to the terms outlined in the agreement. However, as services are billed on a monthly cycle, accounts will remain active until the end of the current paid cycle. Please note that VP Credit Services does not provide prorated refunds.

Once your account is canceled, your access to member services on the Website will be revoked upon the expiration of the paid monthly cycle. All cancellations are strictly governed by the terms specified in the VP Credit Services Agreement.

In the event of any conflict between these Terms of Use and the VP Credit Services Agreement, the terms of the Service Agreement will prevail as the governing document.

YOU ARE RESPONSIBLE FOR YOUR FINANCIAL DECISIONS

VP Credit Services may share, transfer, or provide your information as outlined in our Privacy Policy. With your consent, you may be contacted by third-party service providers, such as financial institutions, debt settlement companies, lenders, or other financial professionals (“Providers”).

VP Credit Services does not endorse or recommend any products or services offered by these Providers and is not an agent or advisor to you or any Provider. We do not verify or investigate the licensing, certification, or qualifications of any Provider. It is your sole responsibility to research and evaluate the suitability of any Provider or service for your needs.

You acknowledge and agree that Providers are fully responsible for the products and services they offer. VP Credit Services is not liable for any losses, costs, damages, or claims that arise from your interactions with a Provider or their offerings. We strongly encourage you to consult with qualified professionals who understand your specific financial circumstances before making any decisions. Your financial choices and reliance on the advice of such professionals are ultimately your responsibility.

INAPPROPRIATE IMAGES OR WORDS

VP Credit Services reserves the right, at its sole discretion, to remove any text, images, or materials uploaded by users that are deemed inappropriate or that may subject VP Credit Services to liability. This includes, but is not limited to:

Content protected by copyright, trademark, right of publicity, or other proprietary rights, uploaded without the express permission of the rights holder.
Profanity, offensive comments, or material promoting racism, bigotry, hatred, or abusive, slanderous, or otherwise objectionable content.
Illegal content, including but not limited to expressions of abuse, obscenity, offensive imagery or language, or any material that could result in civil or criminal liability under applicable laws.

CLAIMS OF COPYRIGHT INFRINGEMENT; DESIGNATED AGENT

If you believe that any material on this Website infringes upon a copyright you own or control, or if a link on this Website directs users to content that infringes upon a copyright you own or control, you may file a notification of infringement. Please submit your notice to the designated email or address provided below.

ONLINE CONDUCT; REPEAT INFRINGER POLICY

You agree to use the VP Credit Services Website solely for lawful purposes. You are prohibited from posting or transmitting any material that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable. This includes content that infringes intellectual property rights, violates applicable laws, or encourages conduct constituting a criminal offense, civil liability, or any other violation of local, state, national, or international law. VP Credit Services reserves the right to terminate the accounts of users who violate these policies at its sole discretion.

VP Credit Services respects the intellectual property rights of others and expects users to do the same. In appropriate circumstances and at its discretion, VP Credit Services may terminate the accounts of users who infringe upon the intellectual property rights of others or violate this policy.

CONTENT REVIEW

VP Credit Services may choose to electronically monitor certain areas of this Website. We reserve the right to disclose any content, records, or electronic communications as necessary to comply with laws, regulations, or government requests. Such disclosures may also be made to ensure the operation of this Website or to protect the rights and property of VP Credit Services, its contractors, service providers, consultants, sponsors, licensors, or the public.

VP Credit Services retains the right, but not the obligation, to monitor, edit, or remove any content or activity that it determines, at its sole discretion, to be harmful to users, infringe on the rights of third parties, or violate applicable laws.

USE BY CHILDREN

The VP Credit Services Website and its services are intended for use by individuals 18 years of age or older. We do not knowingly provide products or services to minors. By accessing or using this Website, you represent that you are at least 18 years old. VP Credit Services is not liable for any damages resulting from a misrepresentation of age by a Website user.

INDEMNITY

You agree to defend, indemnify, and hold harmless VP Credit Services, its officers, employees, contractors, service providers, and agents from and against any claims, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Website, violation of these Terms of Use, or infringement of any third-party rights, including intellectual property rights.

DISCLAIMER

All materials, products, and services offered on the VP Credit Services Website are provided “as is” and without warranties of any kind, either express or implied. VP Credit Services disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website, its content, or services are error-free, accurate, reliable, or free of viruses or other harmful components.

Your use of the Website and any reliance on its content or materials is solely at your own risk.

LIMITATION OF LIABILITY

In no event shall VP Credit Services, its officers, directors, employees, or affiliates be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of the Website or its services. This includes but is not limited to damages caused by reliance on Website content, interruptions, delays, or performance failures. The total liability of VP Credit Services for any claims related to your use of the Website shall not exceed the amount you paid, if any, for accessing or using the services.

LINKING TO OUR WEBSITE

You are granted a limited, non-exclusive right to create a hyperlink to the VP Credit Services Website, provided the link does not portray VP Credit Services in a false, misleading, derogatory, or otherwise defamatory manner. VP Credit Services reserves the right to revoke this permission at any time. You may not use any logos, trademarks, or proprietary graphics from the Website without express written permission.

THIRD PARTY LINKS

The VP Credit Services Website may contain links to third-party websites or content (“Third-Party Content”) provided for your convenience. VP Credit Services does not monitor, endorse, or control Third-Party Content and makes no representations about its accuracy, reliability, or completeness. You access and use Third-Party Content at your own risk, and VP Credit Services is not responsible for any damages or losses resulting from such access.

SEVERABILITY AND NONWAIVER

If any provision of these Terms of Use is found to be invalid, unlawful, or unenforceable, it shall not affect the enforceability of the remaining provisions. Failure by VP Credit Services to enforce any part of these Terms of Use does not constitute a waiver of our rights to enforce the same or any other part in the future.

APPLICABLE LAW

These Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. By using the Website, you agree to submit to the jurisdiction of the state and federal courts located in New York for any disputes arising under these Terms of Use.

TERMINATION

VP Credit Services reserves the right, at its sole discretion, to terminate or restrict your access to the Website or its services at any time, without notice, for any reason, including but not limited to violations of these Terms of Use.

MISCELLANEOUS

VP Credit Services may update or modify these Terms of Use at any time without notice. Your continued use of the Website after such changes constitutes your acceptance of the revised Terms. VP Credit Services may also suspend or discontinue any services offered through the Website without notice. All notices from VP Credit Services will be communicated via email, postings on the Website, or other appropriate methods.