By purchasing or accessing any product or service from Credit Wellness Inc. (“we,” “our,” or “us”) at MyCreditWellness.net, you agree to the following terms and conditions.

Educational Services Only
All products and services offered by Credit Wellness Inc. are strictly educational in nature. We provide financial literacy education, digital guides, and one-on-one coaching to help consumers understand credit reporting, FICO scoring, and consumer rights under the Fair Credit Reporting Act (FCRA). Our services are fully compliant with Georgia Credit Services Organization (CSO) regulations.

Digital Products — No Refund Policy
Due to the digital nature of our downloadable products, all sales are final and non-refundable. By completing your purchase you acknowledge and agree that no refunds will be issued once a digital product has been delivered.

No Guarantee of Results
Our educational content is provided for informational purposes only. We make no guarantees regarding specific financial outcomes, credit score improvements, or loan approvals resulting from the use of our materials.