Terms of Service

1. What Clear View Credit is

Clear View Credit provides consumer credit monitoring, score tracking, alerts, and educational tools. We are not a credit repair organization, a lender, or a credit bureau, and we do not repair credit or guarantee any change or improvement to your credit score.

2. Eligibility & your account

You must be at least 18 years old and a U.S. resident with a valid Social Security Number to use the Service. You are responsible for the accuracy of the information you provide and for keeping your login credentials secure. Notify us immediately of any unauthorized use of your account.

3. Authorization to obtain your credit information

By enrolling, you authorize Clear View Credit and its service providers to obtain your consumer credit report and score from one or more nationwide credit reporting agencies for the purpose of providing the Service, consistent with the Fair Credit Reporting Act (FCRA). These are soft inquiries and do not affect your credit score.

4. Membership, billing & auto-renewal

The Service is offered as a paid membership. If you start a trial, you will be charged the disclosed trial amount today; unless you cancel before the trial ends, your membership automatically renews at the then-current monthly price (currently $29.99/month) and continues to renew monthly until cancelled.

You authorize us to charge your payment method on a recurring basis. Prices may change with prior notice. You can cancel at any time from Account → Billing; see our Cancellation Policy.

5. Acceptable use

You agree to use the Service only for your own personal, lawful purposes, and not to access information about anyone other than yourself. You may not misuse, reverse engineer, or attempt to disrupt the Service.

6. No guarantee; educational purpose

Credit scores and information are provided for educational purposes and may differ from the scores or data lenders use. We make no representation that using the Service will change your credit score or the outcome of any credit decision.

7. Disclaimers & limitation of liability

The Service is provided “as is” without warranties of any kind. To the fullest extent permitted by law, Clear View Credit is not liable for indirect, incidental, or consequential damages, and our total liability is limited to the amount you paid us in the twelve months preceding the claim.

8. Changes & governing law

We may update these Terms from time to time; material changes will be communicated to you. These Terms are governed by the laws of the State of [STATE], without regard to conflict-of-laws rules. [Dispute resolution / arbitration terms to be finalized by counsel.]