Terms of service

TERMS OF SERVICE
Last Updated: September 19, 2026

1. Acceptance of Terms
By accessing or purchasing from CreditwithSteph (creditwithsteph.myshopify.com), you agree to these Terms of Service. If you do not agree, please do not use our site or services.

2. Products and Services
We sell digital products, including dispute letter templates, and credit repair service plans. Each product or service plan is described on its product page.

3. Digital Products
Digital products are delivered electronically. Because of their nature, all sales of digital products are final, as described in our Refund Policy.

4. Credit Repair Services
Our service plans provide education and document-preparation assistance. We do not guarantee any specific credit score increase or the removal of any particular item from your credit reports. Results vary from person to person.

5. Payments
Payment is due in full at the time of purchase. Third-party services referenced on our site, such as credit monitoring, are billed separately by their own providers.

6. All Sales Final
All sales are final. We do not accept returns or issue refunds for digital products or credit repair service plans, as stated in our Refund Policy.

7. Intellectual Property
All site content, templates, and materials are the property of CreditwithSteph and are for your personal, non-commercial use only. You may not copy, redistribute, or resell them.

8. Limitation of Liability
To the maximum extent permitted by applicable law, CreditwithSteph shall not be liable for any indirect, incidental, or consequential damages arising from the use of our products or services.

9. Changes to These Terms
We may update these Terms of Service from time to time. The current version will always be posted on this page.

10. Contact Us
If you have questions about these terms, contact us at creditprosteph@gmail.com.