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Terms of Service

Effective Date: [Insert date]

Welcome to PerfectScores.com (“Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website https://perfectscores.com (the “Site”) and any services, consultations, or content offered through it (collectively, the “Services”).

By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use our Site or Services.

1. Nature of Services

PerfectScores.com provides educational content, strategy sessions, and consulting designed to help individuals understand and improve their credit scores to 800 and above. We are not a credit repair organization as defined by federal or state law and do not offer legal, financial, or lending services. All information and advice provided are for educational purposes only.

2. Use of the Site

You must be at least 18 years old to use our Services. You agree to use the Site only for lawful purposes and in compliance with all applicable laws.
You agree not to:
- Misrepresent your identity or provide false information.
- Attempt to gain unauthorized access to the Site or its systems.
- Copy, modify, or distribute any materials without written permission.

3. Booking & Payment

Some Services may require booking a consultation or paying a fee. All fees are displayed before checkout or booking. Payments are processed through secure third-party processors. By submitting payment, you authorize us (and our payment partners) to charge your chosen method of payment.

All sales come with a 7 day refund period unless otherwise stated in writing. We do not offer refunds after the 7 day refund period.

4. Disclaimers

We make no guarantees regarding specific credit score increases, loan approvals, or funding amounts. Your results depend on your individual financial history, behavior, and third-party credit reporting agencies.
We do not represent any bank, credit bureau, or lender. Any mention of such institutions is for illustrative purposes only.

5. Intellectual Property

All content on this Site — including text, graphics, logos, videos, and materials — is the property of PerfectScores.com or its licensors and is protected by copyright and trademark laws. You may not reproduce or use our content for commercial purposes without prior written consent.

6. Limitation of Liability

To the fullest extent permitted by law, PerfectScores.com shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or Services.

7. Indemnification

You agree to indemnify and hold harmless PerfectScores.com, its officers, employees, and affiliates from any claims, damages, or expenses resulting from your violation of these Terms.

8. Termination

We may suspend or terminate access to the Site at any time for conduct that violates these Terms or harms our business or other users.

9. Governing Law

These Terms are governed by the laws of the State of Tennessee without regard to conflict-of-law principles.

10. Changes to These Terms

We may update these Terms periodically. Updates will be posted on this page with a new effective date. Continued use of the Site after any update constitutes acceptance of the revised Terms.

11. Contact Us

For questions about these Terms:
Email: support@perfectscores.com
Website: https://perfectscores.com