Effective May 1, 2026
Welcome to Smart Credit Rescue. We’re committed to helping consumers better understand, monitor, and manage their credit and financial wellness through educational tools, credit reporting access, monitoring services, and related features.
These Terms of Service (“Terms”) form a legally binding agreement between you and Smart Credit Rescue (“we,” “our,” or “us”) governing your access to and use of our website, mobile applications, products, and services (collectively, the “Services”).
Please read these Terms carefully. By accessing or using our Services, you agree to these Terms, our Privacy Policy, and any additional terms that may apply to specific features or services.
IMPORTANT NOTICE: These Terms include important information regarding dispute resolution, including a binding arbitration agreement and class action waiver, as well as limitations on liability and disclaimers of warranties.
Smart Credit Rescue provides access to financial wellness tools and services, which may include:
We may update, modify, suspend, or discontinue any aspect of the Services at any time without prior notice.
Some features may require acceptance of additional terms and conditions.
To create an account, you must:
You agree that all information you provide is truthful and accurate.
You are responsible for maintaining the confidentiality of your account credentials and for all activities occurring under your account.
You agree to:
We are not responsible for losses resulting from unauthorized use of your account caused by your failure to maintain account security.
Certain Services are available only through a paid monthly subscription.
By subscribing, you authorize Smart Credit Rescue to charge your selected payment method on a recurring monthly basis unless cancelled.
You authorize us and our payment processors to:
If payment cannot be processed, we may suspend or terminate your access to paid Services.
You may cancel your subscription at any time through your account settings or by contacting customer support.
Cancellation will take effect at the end of your current billing cycle unless otherwise required by law.
Refunds are governed by our Returns & Refund Policy. Except where required by law or expressly stated otherwise, subscription fees are non-refundable after billing.
You agree to use the Services only for lawful purposes.
You may not:
We reserve the right to investigate and take legal action against violations of these Terms.
The information and tools provided through our Services are for educational and informational purposes only.
Smart Credit Rescue is not:
We do not guarantee:
Credit scores and reports displayed through our Services may differ from those used by lenders, employers, insurers, or other third parties.
Scoring models and reporting practices vary among credit bureaus and financial institutions.
You are responsible for reviewing your own financial decisions and obtaining professional advice where appropriate.
Our Services may contain:
We do not control or endorse third-party products, services, or content.
Any dealings between you and third parties are solely between you and those parties.
We are not responsible for:
All content, software, logos, trademarks, graphics, text, designs, and technology associated with the Services are owned by Smart Credit Rescue or its licensors and are protected by intellectual property laws.
You may not:
any part of the Services without prior written consent.
If you submit reviews, comments, feedback, or other content (“User Content”), you grant Smart Credit Rescue a non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, modify, publish, and display that content in connection with operating and improving the Services.
You are solely responsible for your User Content and agree not to post:
We may remove User Content at our discretion.
We may monitor use of the Services to:
We may disclose information where required by law, subpoena, court order, or governmental request.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SMART CREDIT RESCUE DISCLAIMS ALL WARRANTIES, INCLUDING:
WE DO NOT WARRANT THAT:
YOUR USE OF THE SERVICES IS AT YOUR OWN RISK.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SMART CREDIT RESCUE AND ITS AFFILIATES SHALL NOT BE LIABLE FOR:
ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.
OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF:
You agree to indemnify, defend, and hold harmless Smart Credit Rescue and its affiliates, officers, employees, and agents from any claims, damages, liabilities, costs, or expenses arising from:
Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration rather than in court, except where prohibited by law.
YOU AGREE THAT CLAIMS MAY ONLY BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.
These Terms are governed by the laws of the State of California, without regard to conflict of law principles.
Arbitration shall be administered by the American Arbitration Association (“AAA”) under its applicable consumer arbitration rules.
We may suspend or terminate your account immediately if:
You may stop using the Services and cancel your account at any time.
Certain provisions of these Terms survive termination, including intellectual property rights, disclaimers, limitations of liability, indemnification, and arbitration provisions.
These Terms, together with our Privacy Policy and any additional terms, constitute the complete agreement between you and Smart Credit Rescue.
We may modify these Terms at any time. Updated Terms will be posted with a revised effective date.
Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.
If any provision is deemed unenforceable, the remaining provisions will remain in effect.
We may assign these Terms without restriction. You may not assign your rights without our prior written consent.
Smart Credit Rescue
Karsti 4-13, 11625 Tallinn, Estonia
Email: support@smartcreditrescue.com
Thank you for using Smart Credit Rescue.