Terms of Use - Helping you achieve healthy credit! - Credit Education & Credit Coaching

Terms of Use

Credit Club Membership Terms of Use and Terms of Service Please read the following information carefully before using this site. By using this site you agree to these terms and conditions. If you do not agree to these terms and conditions, please do not use this site. The terms and conditions herein apply to The Kelly Group Consulting, Inc. Ready For Good Credit, our subsidiaries, affiliates, divisions, contractors and all data sources and suppliers all of which are referred to herein as ("TKG").   The information provided under the credit membership program is designed and intended for educational purposes only. Our specific goal is help consumers to more meaningfully about the way credit works, how credit scores can be improved, to empower consumers to take action to improve their credit, and many other important tools and topics concerning credit and financial services. TKG is not a credit repair organization as may be defined under federal or state law, including but not limited to The Credit Repair Organizations Act. The terms and conditions herein are in addition to, and do not override, the specific terms and conditions that apply to any specific product or services offered by TKS through this and any other site owned by TKS.   NO WARRANTIES OF ANY KIND INFORMATION AND PRODUCTS OR SERVICES OFFERED ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. IN NO EVENT WILL TKS BE LIABLE TO ANY PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THIS WEB SITE, OR ANY LINKED WEB SITE, INCLUDING WITHOUT LIMITATION, LOST PROFITS, LOSS OF USE, BUSINESS INTERRUPTION, OR OTHER ECONOMIC LOSSES, LOSS OF PROGRAMS OR OTHER DATA, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, EVEN IF TKS IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW. IN NO EVENT WILL TKS WARRANT OR GUARANTY THE CORRECTNESS, COMPREHENSIVENESS, COMPLETENESS, ACCURACY, TIMELINESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR USE OR PURPOSE OF ANY INFORMATION, PRODUCTS, OR SERVICES ON THIS WEB SITE. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.   Changes and Modification The information, products, and services available on this Web site may include technical inaccuracies or typographical errors. TKS has the right to change, modify or add to the terms and conditions governing this site, or any part thereof, the information, products, or services offered through this site. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by any means including posting on this site or by other electronic or conventional means. You agree to review this page periodically to be aware of any such changes, modifications, additions or deletions to the terms and conditions stated herein. Your continued use of the site after such notice has been given shall be deemed to constitute acceptance of the changes, modifications, additions or deletions.   Copyright and Trademark:  Portions of TKS's website are protected by trade dress, trademark, unfair competition, and other laws and may not be copied in whole or in part. No logo, graphic, or image from this website may be copied or retransmitted without TKS's express written permission. TKS and the TKS products referenced in this site may be covered by trademarks, service marks or registered trademarks of TKS or its affiliates. Other products and company names mentioned herein may be the trademarks of their respective owners. No use of any TKS trademark may be made by any third party without express written consent of TKS. Third Party Website Links: TKS provides links to other websites for your convenience only. TKS makes no representations or warranties about any third party website that you may access through the links. By providing a link to those websites, TKS does not endorse, adopt, or otherwise accept any responsibility for the content or use of those websites.   Not Intended as Professional Financial of Legal Advice: The information on on TKG’s website is NOT intended as Legal or Professional Financial advice. Our purpose is only to provide general credit and financial information that can help consumers to understand the way credit works and how to access the tools and resources that can help to improve and manage credit. We encourage users to seek the advice of a certified financial professional or other legal professionals about personal financial issues or problems. YOUR PURCHASE OF ANY GOODS OR SERVICES FROM TKS CANNOT AND DOES NOT GUARANTEE THE SUCCESSFUL IMPROVEMENT OF YOUR CREDIT SCORE OR THE SUCCESSFUL REMOVAL OF NEGATIVE INFORMATION FROM YOUR CREDIT REPORT.   Cost of Products: The "Credit Apprentice" membership is absolutely free, only a valid email address is required. If you choose to purchase the "Credit Guru" membership, you agree to pay an initial fee of $599.00. TKS accepts Visa, MasterCard, Discover and American Express. Because you have immediate access to all the membership benefits and resources of the Credit Guru membership, your membership fee is nonrefundable after 30 days unless prohibited by state law. You also agree to pay an annual renewal fee of $599.00 to be charged on each anniversary of your initial Credit Guru membership. Each renewal is subject to the 30 day nonrefundable terms provided in this paragraph. By accepting the Credit Guru terms of membership, you specifically authorize TKS to charge your credit card on file an annual renewal fee of $599.99, for each full year of Credit Guru membership, until cancelled by you.   TO CANCEL YOUR MEMBERSHIP: IF YOU WISH TO CANCEL, PLEASE NOTIFY US QUICKLY AND CONVENIENTLY BY VISITING OUR CONTACT PAGE. Please remember that we cannot process your cancellation if you do not tell us to do so and therefore, it is your responsibility to notify us if you wish to cancel.   Affiliated Business Arrangements: TKS may recommend or endorse Fair Isaac Company (FICO®) Scores from time to time in providing services to you on this website. TKS is not affiliated or associated with Fair Isaac Company (FICO®.) However, you should know that such recommendation or endorsement may be in exchange for payment or promise of compensation by FICO®.