Terms and Conditions

AGREEMENT BETWEEN USER AND CreditMania Services LLC
These Terms and Conditions («Agreement») are a legal agreement between you and CreditMania Services LLC (hereinafter, «Website Owner»),
the owner and developer of CreditMania Services (the «Site»). By using, registering, or otherwise interacting with the Site for any service
provided through CreditMania Services LLC, you agree to be bound by all terms and conditions («Terms») set forth in this Agreement.
You understand that you cannot modify these terms and that you must accept all terms «AS IS.» If you choose not to accept all terms,
simply do not register, use, or interact with this Site.

Our Privacy Policy, incorporated by reference into this Agreement, explains how we collect, protect, share, and use your information as part
of our platform and all our products and services.

YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPTED TO BE BOUND BY THESE TERMS. This Agreement contains a binding arbitration agreement,
which states that you and we agree to resolve all disputes through individual binding arbitration, and that you and we waive all rights to have
a judge or jury decide those disputes. You have the right to opt-out of our arbitration agreement. Please refer to the Legal Disputes section
of this Agreement.

CreditMania Services LLC is a credit repair and financial service referral site that provides educational materials on financial services and
connects consumers with financial service providers to help them achieve a healthier financial life. When you call our number, you may be
connected directly to one of our partners, or to a third-party to assist you. Independent service providers may charge for their services and
have their own terms of service. CreditMania Services LLC is not responsible for these providers nor guarantees any results from such providers.
Services may not be available in all states, so please call or consult our website for further details.

MODIFICATION OF THESE TERMS OF USE
CreditMania Services LLC RESERVES THE RIGHT TO MAKE CHANGES TO THE TERMS AT THE DISCRETION OF THE WEBSITE OWNER WITH OR WITHOUT PRIOR NOTICE.
YOUR CONTINUED USE OF ANY PART OF THIS WEBSITE OR ANY SERVICE CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES TO THIS AGREEMENT. YOU SHOULD REVIEW
THIS AGREEMENT PERIODICALLY TO DETERMINE IF ANY CHANGES HAVE BEEN MADE. THE MOST CURRENT VERSION OF THESE TERMS, AS INDICATED BY THE «DATE OF
LAST UPDATE» ABOVE, REPLACES ALL PREVIOUS VERSIONS.

Consent to Receive Text Messages and Electronic Communications

CONSENT TO RECEIVE TEXT MESSAGES AND ELECTRONIC COMMUNICATIONS

By providing your contact information, including your mobile phone number and email address, to CreditMania Services LLC, you consent to
receive communications from us, which may include automated, pre-recorded, or artificial voice messages, text messages, and electronic mail
from or on behalf of CreditMania Services LLC. These communications may pertain to your account, services offered, or promotions. Standard
message and data rates may apply as per your cellular carrier’s plan.

You represent that you are the owner or authorized user of the device and phone number provided and that you have the authority to consent
to receive messages on this number. You are responsible for informing CreditMania Services LLC of any changes to your mobile number.

OPT-OUT OF TEXT MESSAGES
To opt-out of receiving text messages, reply «STOP» to any text message you receive from us. You may also contact us directly at [Your Contact
Information] to request removal. Upon receipt of your opt-out request, we will send a confirmation and cease further text messages to your
number unless required by law or for security notifications.

Please note that opting out of text messages may impact your ability to receive timely updates about your services with us.

SECURITY AND PRIVACY
CreditMania Services LLC does not guarantee the privacy or security of text messages, as wireless carriers may not secure text messages
end-to-end. We take reasonable precautions to ensure that your information remains protected, and encourage you to take similar precautions.

Privacy Policy

PRIVACY POLICY FOR CreditMania Services LLC
This Privacy Policy outlines how CreditMania Services LLC («we,» «us,» «our») collects, uses, and protects any information that you give us
when you use this website.

By using, interacting, entering information, or viewing information on this Site, you acknowledge and expressly agree to this Online Privacy
Policy, including your consent to our use and disclosure of information collected from or about you as described in this document.

INFORMATION COLLECTION AND USE
We may collect personal information («Personal Information») from you, such as your name, address, email address, phone number, or other
identifiable information. We collect this information to provide services, communicate important information, and offer marketing that may
interest you.

We may use your Personal Information to respond to inquiries, fulfill requests, communicate information about changes to terms or services,
or provide offers tailored to your interests. We do not sell, rent, or share Personal Information with third parties unless you have consented
or as otherwise described herein.

DATA SECURITY
CreditMania Services LLC takes reasonable measures to protect your information. However, no method of data transmission over the internet
or electronic storage is fully secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot
guarantee absolute security.

For any questions regarding this Privacy Policy, please contact us at [Your Contact Information].