Terms of Service

Last Updated: 01/07/2026

1. Introduction

Welcome to Credit To Capital (“we,” “us,” or “our”). These Terms of Service (“ToS” or “Agreement”) govern your access to and use of our services, including our lead and business funding consultation tools, website, mobile applications, content, and any other products or services (collectively, the “Services”).

By accessing or using our Services, you acknowledge that you have read and understood these Terms. If you do not agree to these Terms, you must discontinue your use of the Services immediately.

This Agreement is legally binding between you and Credit To Capital. Please read these Terms carefully. By accessing or using our Services, you acknowledge and agree to these Terms. If you do not agree to these Terms, you may not use our Services.

2. Definitions

• “Account”: The account you create when you register to use our Services.
• “Content”: Any and all text, data, images, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, computer code, and other materials provided through the Services.
• “Data”: Any information, including Personal Data, that you submit or that is collected from you in connection with your use of the Services.
• “Personal Data”: Any information relating to an identified or identifiable individual, as defined under applicable privacy laws.
• “Third-Party Services”: Any services or products provided by entities other than Credit To Capital that are made available through our Services.

3. Acceptance of Terms

By accessing or using the Services, you affirm that you are at least 18 years of age, or the age of majority in your jurisdiction, and are capable of entering into a legally binding agreement. If you are using the Services on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

4. Modification of Terms

We reserve the right, at our sole discretion, to modify, update, or change these Terms at any time. Such changes will be effective upon posting the updated Terms on our website or platform. Your continued use of the Services after any changes means you accept the revised Terms. If you do not agree to the new Terms, you must stop using the Services immediately.

5. Services Overview

a. Description of Services

Credit To Capital provides educational and consulting services related to personal and business credit, financial literacy, and business funding. Services may include credit score review, review of consumer-provided credit information, business structure guidance, strategy consultations, and access to educational materials and resources.

The Services are provided solely for educational and informational purposes. Credit To Capital does not provide loans, extend credit, guarantee funding or credit approval, or act as a lender or broker of consumer or commercial credit. Any funding decisions, credit decisions, or approvals are made by third-party lenders or financial institutions.

The use of the Services does not create any attorney-client, accountant-client, or fiduciary relationship.

b. Service Availability

While we strive to ensure the continuous availability of our Services, we cannot guarantee that the Services will be uninterrupted or error-free. We reserve the right to modify, suspend, or discontinue any part of the Services at any time without notice.

6. User Obligations and Conduct

a. Compliance with Laws

You agree to comply with all applicable laws, regulations, and industry standards when using the Services, including but not limited to laws related to fraud prevention, intellectual property, and export control.

b. User Account Responsibilities

• Account Information: You agree to provide accurate, current, and complete information when creating your Account and to update such information as necessary.
• Security of Account: You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. You must notify us immediately if you suspect any unauthorized use of your Account.

c. Prohibited Activities

You agree not to:

• Use the Services for any illegal, unauthorized, or prohibited purpose.
• Interfere with or disrupt the Services, networks, or systems connected to the Services.
• Use any automated means (including bots, scrapers, or spiders) to access or collect data from the Services without our express permission.
• Impersonate any person or entity or falsely represent your affiliation with a person or entity.
• Use the Services to transmit any malicious software, viruses, or other harmful code.
• Engage in any activity that could damage, disable, or impair the functionality of the Services.

7. Data Privacy and User Consent

a. Data Collection and Processing

• Personal Data: We collect and process your Personal Data as part of providing the Services. This may include data you provide directly, data collected automatically, and data we obtain from third-party sources with your consent.

b. User Consent

By using our Services, you consent to:

• The collection, processing, and sharing of your data as described in these Terms and our Privacy Policy.
• The use of your data for purposes of improving, customizing, and optimizing the Services, including the enhancement of our data management systems.
• The transfer of your data to authorized third-party service providers as necessary to deliver the Services.

c. Data Sharing and Disclosure

• Subcontractors and Service Providers: We may share your data with subcontractors, who assist us in providing the Services. These entities are bound by confidentiality and data protection obligations and will not use your data for any purpose other than to perform the Services on our behalf.
• Legal Compliance: We may disclose your data to comply with legal obligations, such as in response to court orders, legal processes, or government requests.

d. Data Security

• Security Measures: We implement reasonable security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
• User Responsibility: You are responsible for safeguarding the devices and networks through which you access the Services. You should ensure that your software and systems are up to date and that you take appropriate precautions to protect your data.

8. Intellectual Property Rights

a. Ownership

All intellectual property rights in the Services, including but not limited to software, content, trademarks, and logos, are owned by Credit To Capital or its licensors. Your use of the Services does not grant you any rights to use intellectual property except as expressly permitted in these Terms or otherwise authorized by us.

b. License to Use the Services

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes.

c. Restrictions

You may not:

• Copy, modify, distribute, sell, or lease any part of our Services or included software.
• Reverse engineer or attempt to extract the source code of any software used in the Services, except as expressly permitted by applicable law.
• Use any of our intellectual property, including trademarks, logos, or content, without our express written consent.

9. Representations and Warranties

a. User Representations and Warranties

You represent and warrant that:

• You have the legal authority to enter into and comply with these Terms.
• All information you provide in connection with your use of the Services is accurate, complete, and current.
• You will comply with all applicable laws, regulations, and industry standards in your use of the Services.
• Your use of the Services does not and will not infringe on the intellectual property, privacy, or other rights of any third party.
• You will not engage in any activity that is harmful to us, or other users, or that violates applicable laws or regulations.

b. Disclaimer of Warranties

The Services are provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or availability.

10. Limitation of Liability

a. Exclusion of Damages

To the fullest extent permitted by law, Credit To Capital, and their affiliates, officers, agents, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, use, goodwill, or other intangible losses arising from or related to your use of the Services.

b. Cap on Liability

In no event shall our total liability exceed the amount you paid to us for the use of the Services in the twelve months preceding the claim.

c. No Liability for Third-Party Services

We are not responsible for any Third-Party Services made available through the Services. Your use of Third-Party Services is at your own risk, and we make no representations or warranties regarding such services.

11. Indemnification

You agree to indemnify, defend, and hold harmless Credit To Capital, and their affiliates, officers, agents, employees, partners, and licensors from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorney’s fees, arising out of or related to:

• Your use of the Services.
• Your breach of these Terms or violation of any applicable laws or third-party rights.
• Any data or content you provide or create through the Services.

12. Termination

a. Termination by You

You may terminate your use of the Services at any time by ceasing to use the Services and, if applicable, deleting your Account.

b. Termination by Us

We reserve the right to suspend or terminate your access to the Services at any time, without notice or liability, for any reason, including if we believe you have violated these Terms or engaged in unlawful activity.

c. Effects of Termination

Upon termination of your access to the Services, your rights to use the Services will immediately cease. Any provisions of these Terms that by their nature should survive termination will survive, including without limitation, ownership, warranty disclaimers, liability limitations, and indemnification obligations.

14. Miscellaneous

a. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us concerning the Services and supersede any prior agreements, whether written or oral.

b. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

c. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

d. Assignment

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

e. Force Majeure

We shall not be liable for any failure or delay in our performance under these Terms due to causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, supply chain disruptions, pandemics, power outages, or government restrictions.

f. Headings

The headings used in these Terms are for convenience only and have no legal or contractual effect.

g. Contact Information

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

Credit To Capital
Address: 1150 NW 72nd Ave, Miami, FL 33126
Email: support@credittocapital.com
Phone: +1 (858) 358-7773