1. About The Website Terms

The Website and its services are provided by Stellar Credit, and your use of the Website is governed by these Terms of Use. By accessing or using the Website, you agree to these terms.

If you disagree, you must stop using the Website, and Stellar Credit’s services, rescind any request for contact about credit repair services, and/or discontinue participation in the Text Message Program before any changes take effect.

Stellar Credit reserves the right to modify these terms at any time, and your continued use of the Website, services, or programs after modifications signifies your acceptance of the updated terms.

Each visit to the Website, use of Stellar Credit’s services, or participation in the Text Message Program reaffirms your agreement to these terms.

It is your responsibility to review the Terms of Use regularly, which can be accessed via the “Terms of Use” link at stellarcredit.us.

Additional terms specific to privacy, certain areas of the Website, or particular content or transactions may also apply and, when combined with these terms, govern your use of the relevant areas and services.

2. About the Website

The Website provides users with information about Stellar Credit’s credit repair services, offering general educational and informational resources about credit.

It also allows users to sign up for and engage Stellar Credit’s services.

3. Engagement of Stellar Credit’s Services

You are not obligated to use Stellar Credit’s services to browse or read content on the Website. However, if you want Stellar Credit’s help in improving your credit report and rating, you must formally engage their services.

By doing so, you agree to provide complete and accurate details and confirm that you are legally eligible to enter into agreements. It is your duty to update your account information whenever necessary. Each service engagement is intended for one individual only, and no one else may act on your behalf unless authorized by a valid Power of Attorney. You are also responsible for preventing unauthorized access or misuse. If you suspect any unauthorized activity, promptly inform Stellar Credit by emailing support@stellarcredit.us

If you join Stellar Credit’s Text Message Program after engaging their services, you can opt out of receiving servicing texts by replying STOP (and only STOP) to the number from which the texts were sent. While most requests to stop messages are processed immediately, it may take up to three business days to finalize. Keep in mind that texting STOP will only prevent servicing messages for the specific phone number used and will not halt all other forms of communication.

4. Case Files

If you decide to utilize Stellar Credit’s services, a distinct written agreement will be established between you and Stellar Credit. Each legal file generated within the scope of this separate written agreement will be designated as a “Case File.” These Case Files will remain subject to the pre-existing governing agreements unless specifically stated otherwise within the relevant agreement. The following will apply to each Case File:

• The terms or instructions are displayed on the screen while using the service.
• Stellar Credit’s policies and procedures are relevant to the Case File and the online service.
• Applicable state and federal laws and regulations.
  
  
  

5. Access to Case Files

Stellar Credit grants you permission to access your Case File through their online services. You can access your Case File by logging in to the Client Website https://stellarcredit.us/sign-up/ to view information such as account payment details, a chronological record of services provided, and notes added to the file, credit report data you submitted to Stellar Credit that they incorporated into your file, your dispute instructions, and other relevant information.

To access your Case File through the online service, you’ll need a password and compatible hardware and software. Generally, subject to the terms of this agreement and any separate written agreements, you’ll be able to access your Case File on the Client’s Website 24/7. Information is uploaded to your Case File as soon as work is completed on it.

There may be instances when the online services are unavailable due to scheduled maintenance or unforeseen circumstances.

During such times, you can call Stellar Credit at 90930 82332 or send an email to support@stellarcredit.us to inquire about your Case File.

6. Ownership

The Website encompasses information, content, or advertisements in the form of text, photographs, designs, graphics, images, audio and video recordings, animations, and other materials and effects (collectively referred to as the “Content”).

This Content is protected by copyrights, trademarks, service marks, trade dress, patents, or other intellectual or proprietary rights held by Stellar Credit or other third parties. All trademarks and copyrighted information presented on the Website are the property of their respective owners.

Moreover, Stellar Credit retains all rights (including intellectual property rights), title, and interest in the Website, the technology, and all underlying technology and data, including any enhancements, software, applications, and improvements related to the Website (collectively referred to as the “Technology”).

You are prohibited from removing any copyright, trademark, or other proprietary notice from any electronic or printed copy.

7. Use of Website and Materials

Stellar Credit provides the Website and its Materials for your personal, non-commercial use, exclusively for the purpose of conducting individual transactions within the Website. Any other use of the Website or its Materials is strictly prohibited. You are not permitted, directly or indirectly, to:

• Modify, republish, redistribute, delete, resell, sublicense, publicly perform, or cache by proxy the Website or Materials without explicit written consent from Stellar Credit or the applicable rights holder.
• Utilize the Materials for telemarketing, direct marketing, commercial mass emails, or through agents, representatives, or email spammers.
• Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense, or transfer the underlying source code, structure, or sequence of the Technology, or delete or alter author attributions or copyright notices.
• Employ any network monitoring or discovery software to ascertain Website architecture or extract information about usage or users.
• Reformat or frame any portion of the Website or Materials.
• Utilize any device, software, or routine that interferes with the proper functioning of the Website, or otherwise attempts to disrupt the Website’s proper operation.
• Take any action that imposes, or may impose in our sole discretion, an unreasonable or disproportionately large load on our infrastructure.
• Attempt to gain unauthorized access to other computer systems.
• Violate the Website Terms, applicable law, or the rights of others.
• Disrupt or interfere with the security of, or otherwise cause harm to, the Website.
  
  
  

Any authorized use of the Website does not extend to using the Website or Materials for any illegal purpose or to transmit to or through the Website or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic, or other objectionable material of any kind, or to interfere with, abuse, or otherwise violate the legal rights of any third party using the Website or Materials.

Without limiting other remedies, we may restrict, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal measures to prevent users from accessing the Website if we believe they are creating problems, potential legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.

8. License

By utilizing the Website, uploading content to it, or submitting any materials for use on the Website, you grant (or certify that the owner of such rights has explicitly granted) Stellar Credit a perpetual, royalty-free, irrevocable, non-exclusive right and license to utilize, reproduce, modify, adapt, publish, translate, create derivative works from, and distribute such materials and/or information generated through the use of the Website. Additionally, you grant Stellar Credit the right to incorporate such materials and/or information generated through the use of the Website into any format, medium, or technology currently known or developed in the future, globally. These rights are necessary for us to host and display your content.

Anonymous, aggregated information that does not contain personally identifiable information, comprising account information or other available data collected through your use of the Website, may be used or licensed by Stellar Credit for various purposes, including but not limited to conducting certain analytical research, performance tracking, benchmarking, assisting in product and service improvement, and aiding in troubleshooting and technical
support.

9. Automated Activity

The Website employs mechanisms to control access by automated programs, such as robots.txt files and HTML meta tags.

These mechanisms explicitly permit or restrict specific automated programs from accessing certain sections of the website. A significant portion of the Website’s information is dynamically updated and is either proprietary to Stellar Credit or licensed by our users or third parties.

You agree not to utilize any robot, spider, scraper, or other automated means to access the Website for any purpose, including but not limited to offline searches and mirroring, without our explicit written consent as outlined in the current robots.txt file or HTML meta tags on the Website.

Furthermore, you agree not to circumvent our robot exclusion methods or any other measures we may implement to prevent or restrict access to the Website.

10. Linking

You can only link to the Website’s homepage. When doing so, please ensure that

(a) you don’t alter or hide any part of the homepage by framing or other methods.

(b) you notify Stellar Credit of the link by sending an email to support@stellarcredit.us and

(c) you remove the link if Stellar Credit requests you to do so.

If you wish to link to a specific section within the Website, you should ask for permission from Stellar Credit by emailing support@stellarcredit.us Stellar Credit will then decide whether to grant permission at their own discretion and, if so, will inform you of the terms and conditions applicable to that permission.

11. Representations

You affirm and guarantee to us that:

(a) you have the legal capacity to enter into agreements,

(b) you consistently provide us with truthful, accurate, and up-to-date information about yourself,

(c) you will always adhere to the Website Terms and applicable laws, and

(d) your use of the Website and any transactions you conduct with us will not infringe upon the rights of any third party.

Stellar Credit’s services and Website, along with the underlying information, software, and technology, are subject to U.S. export controls. None of the Website services or content can be downloaded or otherwise exported or re-exported

(i) to (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria, or any other country subject to U.S.
sanctions applicable to the export or re-export of goods,

(ii) to anyone on the U.S. Treasury Department’s List of Specially Designated Nationals and Blocked Person List, or
the U.S. Commerce Department’s Denied Persons List, Unverified List, Entity List, or Nonproliferation Sanctions
List.

By using Stellar Credit’s services and Website, you acknowledge and agree to the foregoing and represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list.

You also acknowledge that you are responsible for obtaining any necessary U.S. government authorization to ensure compliance with U.S. law.

12. Disclaimer

Stellar Credit endeavors to ensure the accuracy of the information presented within, on, or through its Website. However, Stellar Credit does not guarantee the accuracy of such information and is not liable for any resulting losses or damages.

13. Warranty, Liability, Indemnification

Stellar Credit does not guarantee the availability or performance of its Website. You acknowledge that using the website and relying on any Materials is entirely at your own risk. Stellar Credit is not responsible for any data loss, lost profits, or other damages or losses resulting from such use.

The Website and Materials are provided by Stellar Credit “as is” and “as available,” without any warranties or representations of any kind, whether express, implied, statutory, or otherwise. Stellar Credit explicitly disclaims all warranties, express or implied, including, but not limited to, warranties of merchantability, accuracy, fitness for a particular purpose, non-infringement, and the implied conditions of satisfactory quality and acceptance, as well as any local jurisdictional analogs to the above and other implied or statutory warranties. We do not represent that the Website or Materials will meet your requirements or that you will achieve any specific results from using the Website.

Under no circumstances shall Stellar Credit, its directors, officers, employees, affiliates, agents, or contractors be liable for any compensatory, direct, indirect, incidental, consequential, or punitive damages, loss of data, income, or profit, loss of or damage to property, or any claims by you or other third parties whatsoever with respect to the Website or the Materials, regardless of the legal theory upon which the claim is based, including, but not limited to, any damages resulting from any mistake, omission, virus, delay or interruption in operation or service, or failure of performance, whether or not resulting from an act of God, communications failure, theft, or otherwise. Stellar Credit shall not be liable for any losses or damages whatsoever resulting from any internet failure. Some jurisdictions may not permit the exclusion or limitation of liability for consequential or incidental damages, so the above exclusions may not apply to all users; in such states, liability is limited to the fullest extent permitted by law.

Stellar Credit does not guarantee that any content, information, software, or other material accessible through the Website will be free of viruses, “worms,” “Trojan horses,” or other harmful components. Stellar Credit’s entire liability and your sole and exclusive remedy with respect to the use of any services provided by Stellar Credit shall be the cancellation of your account.

14. Indemnity

You agree to compensate, defend, and protect Stellar Credit, its officers, directors, employees, agents, representatives, vendors, and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorney’s fees) that these parties may incur as a result of or arising from your (or anyone using your account’s) violation or breach of any representation or obligation under the Website Terms.

We retain the right to assume the exclusive defense and control of any matter that you are otherwise obligated to indemnify us for. In such cases, you agree to cooperate with our defense of such claims.

15. Privacy

We may, in accordance with our Privacy Policy, collect, process, and transmit certain data obtained from and about you during your use of the Website or phone consultations, including information gathered during abandoned transactions.

By accepting these Website Terms, you consent to the use of such data and acknowledge that it may be shared with others, both within and outside the United States, as outlined in our Privacy Policy and in compliance with applicable privacy and data protection laws.

You can obtain information on how and what type of data (if any) is held about you by reviewing our Privacy Policy here or by contacting us.

16. Electronic Notices and Transactions

You agree to conduct transactions with us electronically. This signifies your consent to accepting any terms and conditions and conducting any business with us electronically. This includes receiving all documents in HTML or PDF format and communicating over the Internet. You also confirm that you are at least 18 years old and have internet access to receive Stellar Credit’s services, request that Stellar Credit contact you regarding their credit repair services, participate in Stellar Credit’s Text Message Program, and view, print, and retain all documentation.

If you are a Stellar Credit client or have requested to be contacted about their credit repair services, you authorize us to send you important notices concerning the Website and any pending transactions to the email address you provide. It is your responsibility to maintain an up-to-date and valid email address and to ensure that our emails are not filtered or blocked by spam filters or other email-blocking mechanisms. You can no longer use the Website or Stellar Credit’s services if you no longer wish to conduct business with us electronically.

You can retrieve and review the Website Terms at any time by visiting https://stellarcredit.us/sign-up/ and can obtain paper copies by calling Stellar Credit at 9093082332.

17. Access

You are responsible for acquiring, at your own expense, all the necessary equipment and services to access and utilize the Website, including all devices, internet browsers, and internet access.

If you access the Website or a Website application using a mobile or wireless device, you are liable for any fees your carrier may charge you for data, text messaging, and other wireless access or communication services.

18. Notice Regarding Technology

Your use of the Website must adhere to all applicable laws within the jurisdiction where you access and utilize the Website.

19. Miscellaneous

Stellar Credit reserves the right to investigate complaints or reported violations of these Website Terms and to take any action it deems appropriate, including but not limited to reporting suspected unlawful activity to law enforcement officials, regulators, or other third parties. This may involve disclosing necessary or appropriate information to such persons or entities regarding user profiles, email addresses, usage history, posted materials, IP addresses, and traffic information. Stellar Credit retains the right to pursue all legal and equitable remedies for violations of these Website Terms, including but not limited to the right to block access from a specific internet address to any Stellar Credit website. These terms incorporate by reference any notices included on the Website and constitute the entire agreement concerning access to and use of the Website, your request for Stellar Credit to contact you about their credit repair services, and/or your participation in Stellar Credit’s Text Message Program. You acknowledge that the provisions and covenants outlined herein are reasonable.

If any provision or covenant of these Website Terms is deemed invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to its scope, then that provision will be severed and replaced with a new provision that most closely reflects the original intent. The remaining provisions of these Website Terms will remain fully in effect for the maximum duration and broadest scope permitted by applicable law. Notwithstanding the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of these Website Terms to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator interpret and enforce the provision or covenant to the fullest extent deemed reasonable.

These Website Terms shall be governed by and interpreted in accordance with the laws of the State of Florida, USA, as they apply to agreements made solely within that state. However, the Arbitration Clause is governed by federal law. The Arbitration Clause, the obligations outlined in the first four paragraphs of these Website Terms, Sections 5 through 8, 10 through 15, and 17 through 20, shall survive the termination of these Website Terms.

Stellar Credit shall not be considered to have waived any rights or remedies under these Website Terms unless such waiver is in writing and signed by Stellar Credit. No delay or omission by Stellar Credit in exercising any rights or remedies shall constitute a waiver of such rights or remedies or any other rights or remedies. A waiver on one occasion shall not be construed as a waiver of any rights or remedies on future occasions.

These Website Terms constitute the entire agreement and understanding between you and Stellar Credit, except as you and Stellar Credit may subsequently agree in writing to modify these Website Terms. These Website Terms supersede any prior agreements and understandings, oral or written, pertaining to the subject matter herein.

20. Confidentiality of Information / Creation of Attorney-Client Relationship

The information presented on the Website does not establish an attorney-client relationship. ALL ARTICLES AND MATERIALS DISPLAYED BY US ON THE WEBSITE ARE FOR INFORMATIONAL PURPOSES ONLY (EXCEPTING STELLAR CREDIT’S PRIVACY POLICY AND THE WEBSITE TERMS, WHICH ARE BINDING CONTRACTS). THEY ARE NOT A SUBSTITUTE FOR SPECIFIC ADVICE AND SHOULD NOT BE CONSTRUED AS LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE TAILORED TO YOUR PARTICULAR CIRCUMSTANCES, YOU MUST CONSULT WITH A LEGAL COUNSEL.

Stellar Credit does not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Website. You acknowledge that relying on any such materials, opinions, advice, statements, memoranda, or information is solely at your own risk. Stellar Credit reserves the right, at its sole discretion, to correct any errors or omissions in any part of the Website.

Any information on the Website regarding results obtained by Stellar Credit is not intended to imply that
the same or similar outcomes can or will be achieved in other cases or situations. Results will vary depending on the specific facts and circumstances of each individual matter. Prior results do not predict, warrant, or guarantee a similar outcome. References to past or present clients or the circumstances of their specific cases do not constitute testimonials or endorsements by such clients, nor are they a guarantee, warranty, or prediction of the outcome of your legal matter.

Electronic mail or other communications through this site to Stellar Credit (or any of its lawyers, other employees, agents, or representatives) are not secure and are not protected by attorney-client privilege. Consequently, Stellar Credit cannot guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Website are not confidential and that your communications may be read or intercepted by others. Any unprotected email communication over the Internet is susceptible to potential interception or loss, is not confidential, and is also subject to potential alteration. We are not responsible for and will not be liable to you or any third party for damages related to an email sent by you to us or an email sent by us to you, or anyone you designate, at your request. Individuals who use our services for illegal purposes, including but not limited to repeated unsolicited emails or “spam,” may be subject to prosecution to the full extent of the law. You acknowledge that by submitting communications to Stellar Credit, no confidential, fiduciary, contractually implied, or other relationship is created between you and Stellar Credit beyond what is established in these Website Terms and any subsequent written agreement entered into with Stellar Credit.

You are solely responsible for

(a) maintaining the confidentiality and security of your login information, passwords, and any other
security or access information used by you or anyone you authorize on your behalf to access the Website and your account
information,

(b) preventing unauthorized access to or use of the information, files, or data that you store or use on or with Stellar Credit’s Website,

(c) all electronic communications, including account registration and other account holder information,
email, and financial, accounting, and other data entered using the Stellar Credit Website, and

(d) without limitation, any and all activities that occur under your account. Stellar Credit will presume that any communication received through the use of the Stellar Credit Website was sent or authorized by you.

You agree to immediately notify Stellar Credit if you become aware of any loss, theft, or unauthorized use of the Stellar Credit Website or your account information.

Please refrain from using the information on our Website to distribute unsolicited bulk emails, solicitations, or inquiries. Such actions will constitute a violation of these Website Terms.

21. Use of Financial Application Services

Stellar Credit’s Website may provide access to services offered by third-party providers (“Provider Services”).

Stellar Credit has no control over these Provider Services or your access to them. Stellar Credit does not endorse or guarantee these Provider Services. By utilizing the Provider Services, you acknowledge that Stellar Credit disclaims all liability for any actions or inactions of these Provider Services.

Stellar Credit provides the Website for your convenience. Your use of and reliance on the information presented on the Website is entirely at your own risk. Neither Stellar Credit nor any of its affiliates, third-party
providers, partners, licensors, employees, distributors, or agents is responsible or liable for, nor makes any representations or warranties regarding:

• Any representations, promises, recommendations, or inducements made by or through any party (including
  vendors)
  found on, through, or from the Website.
• The timeliness, accuracy, reliability, completeness, legality, copyright compliance, or decency of the
  Website.
• Any inaccuracies, omissions, errors, or delays in the services offered on the Website.
• Non-performance of or interruptions to the Website or its services due to
  (i) any act or omission by any disseminating party
  (ii) any force majeure or other cause beyond the control of any disseminating party
  (iii) outages, transmission quality, or malfunctions of telephone circuits or computer systems, including any defects or failures with respect to your software, computer systems, or internet access provider.
• Any losses resulting from, including any unauthorized access by a third party, arising from or related to your access and/or use of or interaction with the Website.