Terms & Conditions

1. About these terms

These Terms & Conditions apply to the CreditForward website, application, live workshops, and consumer digital products operated by CreditFoward, LLC ("CreditForward," "we," "us," or "our"). Questions may be sent to hello@creditforward.us.

Please review these terms before purchasing. Each product page describes the particular services, price, and access included in that purchase. Additional product terms presented before checkout apply to that product. Future products may have different access periods, usage limits, and refund policies. A later policy change will not retroactively reduce the benefits of an existing purchase.

Our Privacy Policy explains how we handle personal information. Workshop recording consent and optional marketing permission are addressed separately on our Workshop Recording & Marketing Permissions page.

2. Eligibility and accounts

Our consumer products are intended for U.S. residents age 18 or older who are creating a strategy for their own U.S. credit profile. By registering or purchasing, you confirm that you meet these requirements.

Provide accurate information, protect your login credentials, and contact us if you believe someone has accessed your account without permission. Each purchase is for one person. Sharing accounts, transferring access codes, or generating strategies for other people is not permitted.

3. What CreditForward provides

CreditForward provides educational tools and workshops that generate a personalized credit strategy from information you enter. The strategy is not a credit report from a consumer reporting agency, a lending decision, or a substitute for advice from an attorney or other qualified professional.

You are responsible for checking your inputs and evaluating recommendations before acting. AI-generated content can contain errors or outdated information. Verify important information with appropriate sources, particularly before paying or acknowledging an old collection, making legal decisions, or applying for credit. State-specific information does not determine which law applies to every individual debt.

Credit score projections and timelines are estimates, not guarantees. We do not guarantee a particular score increase, deletion of information, debt reduction, interest rate, or approval for a home, vehicle, apartment, or other credit product. Results depend on your circumstances, actions, creditor reporting, and the scoring model used.

4. Current strategy-tool access

Unless a product's checkout terms expressly state otherwise, the current strategy-tool purchase includes:

• Access for 14 consecutive days beginning when access is issued, whether or not you log in immediately.
• One initial strategy generation and one regeneration during that access period.
• The ability to return to view your saved strategy during the access period.
• The option to have your strategy emailed to you as a PDF.

Regenerating or revisiting a strategy does not extend the access period. Keep a copy of your PDF before access expires. Your purchase does not entitle you to future products, features, upgrades, or extended access. Some future offerings may require a separate purchase.

5. Live workshop scheduling

You must complete your live workshop within 30 calendar days of purchase. Book promptly and choose a session within that period. Contact hello@creditforward.us before the deadline if no eligible session is available; we will offer an extension, an alternative session, or a refund if we cannot provide the purchased workshop.

You may reschedule before your scheduled session begins, subject to available seats, provided the replacement session is completed within the original 30-day period. Rescheduling does not restart that period or restore a refund right that has already expired.

If you miss your scheduled workshop, your live workshop entitlement is forfeited and you may not book a replacement session. You retain the self-service tool access issued at the start of that workshop, subject to its 14-day limit and usage limits.

If you never schedule or otherwise fail to complete a workshop within 30 days of purchase, your live workshop entitlement expires. If access has not already been issued, we will issue self-service access by email at that point. An expired workshop entitlement does not create a right to another workshop or a refund, except where required by law or where we failed to make the purchased service available.

If we cancel a workshop, we will offer a replacement session or a refund. Our cancellation will not cause you to forfeit your workshop entitlement because the original deadline has passed.

7. Prices and payment

The price and any applicable taxes are disclosed at checkout. Payments are processed through Stripe. Any third-party installment payment arrangement is subject to that provider's terms. A payment arrangement does not change CreditForward's product access or refund rules, subject to applicable law.

8. Workshop privacy and conduct

Workshops are group sessions. Other attendees can see or hear information you choose to share. Do not disclose account numbers, Social Security numbers, login credentials, or sensitive documents in the group session.

Workshop recording requires separate consent. Public marketing use of your identifiable participation requires separate optional permission. Declining marketing permission does not reduce your purchased benefits.

Do not record, screenshot, distribute another participant's information, harass others, or disrupt the workshop. We may remove a disruptive participant or restrict access reasonably necessary to protect participants or the service. Any refund decision remains subject to applicable law and the circumstances of the restriction.

9. Permitted use and ownership

You may save and use your strategy and PDF for your personal purposes, including discussing them with your own professional advisers. CreditForward retains its rights in its software, branding, workshop materials, and other proprietary content. You may not resell our materials, commercially redistribute them, bypass access limits, or interfere with the service. You retain your rights in information you submit and authorize its processing to provide the purchased service as described in our Privacy Policy.

10. Service issues and responsibility

If an outage or error materially prevents use of your purchased service, contact us promptly. We will assess the issue and provide an appropriate remedy, such as restoring access, extending the affected access period, or issuing a refund where appropriate or required by law. We do not promise uninterrupted availability or error-free AI output.

You remain responsible for financial decisions and actions you take. Nothing in these terms excludes responsibility or remedies that applicable law does not permit us to exclude.

11. Updates and contact

We may update these terms for future purchases and changes to our services. We will identify the effective date and provide notice of material changes where required. An update will not remove rights already earned under a purchase or rights provided by law.

For account, purchase, refund, or service questions, email hello@creditforward.us.