WELCOME TO CrisTemo & Associates By using the credit repair services provided ("we," "us," or "our"), you agree to these Terms and Conditions. If you do not agree, please do not use our services.

1. Services Provided

We provide credit repair and financial consultation

services, including:

Credit report analysis to identify errors or negative items.Dispute filing with credit bureaus and financial institutions.Financial education and guidance to improve credit health.

We do not guarantee specific credit score improvements, as results depend on individual credit history, financial behavior, and external factors.

2. Client Responsibilities

By using our services, you agree to:

✅Provide accurate and complete information to ensure successful dispute processing.

✅Respond promptly to documentation requests and credit bureau responses.

✅Make timely payments as agreed in your service agreement.

Failure to comply may delay or impact the effectiveness of the services provided.

3. Fees & Payments

Service Fees

– All fees are clearly disclosed before enrollment.

Payment Obligations

– Payments must be made as per the agreed schedule.

Non-Payment

– Failure to pay on time may result in

service suspension or termination

.

4. SMS Communications & Opt-Out Policy

By providing your phone number, you consent to receive SMS updates

related to:

✅ Appointment reminders & service updates
✅ Credit dispute notifications
✅ Exclusive offers & educational content

📌Opt-Out : Reply "STOP" at any time to unsubscribe.

📌Help & Support : Reply "HELP" for assistance.

Message & Data Rates : Standard carrier charges may apply.

5. No Guarantees

We cannot guarantee specific results, such as credit score improvements or the removal of all negative items. Credit repair success depends on various factors, including:

✅ Credit bureau policieS
✅ Accuracy of reported informatioN
✅ Your financial activity during and after service

6. Cancellation Policy

You may cancel services at any time by providing written notice.Fees for services already rendered are non-refundable.

7. Limitation of Liability

We are not responsible for:

Any financial loss resulting from our services.

Any legal or credit-related consequences

Any delays caused by credit bureaus or third parties.

Our maximum liability shall not exceed the total fees paidfor our services.

8. Dispute Resolution

If a dispute arises, it shall be resolved through:

Mediation or arbitration as per applicable laws. Governing law based on the business’s registered location.

9. Changes to Terms

We reserve the right to update these Terms and Conditions at any time. Any changes will be posted on our website, and continued use of our services implies acceptance of the revised terms.

10. Contact Information

For questions about these Terms, please contact us:

📧 [email protected]
📞(954) 405-7219