Terms of Service
The terms that govern use of this website and our credit-report assistance services.
Last updated: October 2026
Acceptance of Terms
By accessing or using this website and our services, you agree to these Terms of Service. If you do not agree, do not use the website or services.
Not a Law Firm; No Legal Advice
Point Guard Credit is not a law firm and does not provide legal advice or legal representation. No attorney-client relationship is formed by using this website or our services. We help consumers organize credit-report evidence and documentation for independent attorney review. We do not appear in court or represent clients as their attorney.
No Guarantee of Results
We do not guarantee any particular outcome, credit-score increase, deletion of accurate information, or litigation result. Any performance-aligned pricing is evaluated based on documented measurements and does not promise a specific result.
Services and Pricing
Service descriptions and pricing on this website are proposed and remain subject to legal and compliance review before implementation. Final service scope, fees, payment timing, and eligibility rules are set forth in a written service agreement and must be confirmed before any fees are collected.
Your Responsibilities
You agree to provide accurate and complete information, to submit authentic documents, and to authorize any sharing of your records only as you direct. You are responsible for reviewing and understanding your service agreement.
Cancellation and Refunds
Cancellation rights and refund procedures are described in our Cancellation and Refund Policy and in your written service agreement, in compliance with the Credit Repair Organizations Act and applicable state law.
Intellectual Property
The content of this website, including text, graphics, and design, is owned by or licensed to Point Guard Credit and is protected by applicable law. You may not reproduce or distribute it without permission.
Limitation of Liability
To the fullest extent permitted by law, Point Guard Credit is not liable for indirect, incidental, or consequential damages arising from your use of the website or services. Our liability is limited as set forth in your written service agreement and applicable law.
Changes to These Terms
We may update these Terms from time to time. We will post the updated terms on this page with a revised date.
Contact Us
If you have questions about these Terms, contact us at hello@pointguardcredit.com.