Terms of Service (Proficient Credit Solutions)

Effective Date: 20/feb/2026

1. Agreement to Terms

These Terms of Service (“Terms”) govern your access to and use of the website proficientcreditsolutions.com and the Services offered by Proficient Credit Solutions (“Company,” “we,” “us,” or “our”).

By accessing or using the website or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the website or Services.

2. Services Description

Proficient Credit Solutions provides, among other things:

Authorized user tradeline placement for credit profile enhancement purposes.​

Personal funding pre‑qualification and credit‑readiness services.​

Business funding pre‑qualification and credit‑readiness services.​

We do not issue loans, extend credit, or act as a lender, creditor, or financial institution. Any funding or credit you may receive is issued by third‑party lenders or financial institutions, subject to their own terms, underwriting, and approvals.

3. Eligibility

To use our website or Services, you must:

Be at least 18 years old.

Have the legal capacity to enter into a binding contract.

Provide accurate and complete information when requested.

Not be prohibited from using our Services under applicable law.

4. No Legal, Tax, or Financial Advice

Information on our website and any communications from us are for informational and educational purposes only and do not constitute legal, tax, investment, or financial advice. You should consult your own attorney, tax advisor, or financial professional regarding your specific situation.

5. User Responsibilities

When using our website or Services, you agree to:

Provide true, accurate, current, and complete information.

Keep your contact and account information up to date.

Use the website and Services only for lawful purposes.

Not misuse or attempt to interfere with the security, integrity, or proper functioning of the website or Services.

You are responsible for maintaining the confidentiality of any login information associated with your use of the website and for all activities under your access.

6. Authorized User Tradelines

If you purchase or enroll in authorized user tradeline services:

You acknowledge that tradelines are provided solely for credit profile enhancement and are not loans, lines of credit, or guarantees of any particular credit score or outcome.​

You agree to provide accurate personal information necessary to add you as an authorized user with the applicable creditor.

You understand that removal from tradelines may occur after a specified period or upon completion of service, and the tradeline may report differently or cease reporting in the future, which may affect your credit profile.

You recognize that we have no control over how or when credit bureaus update or report tradeline information, and we do not guarantee reporting timelines or score changes.

7. Funding Pre‑Qualification Services

For personal and business funding pre‑qualification:

We provide assessments, guidance, and introductions to potential funding partners based on information you provide and other permissible data.

We do not issue loans or extend credit; any funding decisions are made solely by third‑party lenders or financial institutions.

Pre‑qualification or referral does not guarantee approval, specific offers, interest rates, amounts, or terms.

You are solely responsible for reviewing and deciding whether to accept any third‑party offers.

8. Fees and Payments

Certain Services may require payment of fees, which will be disclosed prior to purchase.

You agree to pay all applicable fees, taxes, and charges associated with your chosen Services.

All sales may be final unless otherwise stated in a written refund policy or required by law.

Chargebacks or disputes initiated without first contacting us to resolve any issues may be treated as a material breach of these Terms.

9. Refunds and Cancellations

Insert your specific policy here, for example:

Refunds may be granted at our sole discretion if Services have not yet been rendered or in cases of documented error on our part.

Once a tradeline has been ordered or you have been submitted to a funding partner, fees may become non‑refundable.

To request a refund or cancellation, contact us at [Insert Email] with your full name, date of purchase, and a description of the issue.

10. Intellectual Property

All content on the website, including text, graphics, logos, images, videos, and software, is owned by or licensed to us and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from the website without our express written permission.

11. Prohibited Activities

You agree not to:

Use the website or Services for any unlawful purpose.

Attempt to gain unauthorized access to our systems or networks.

Interfere with or disrupt the operation of the website or Services.

Use automated means (such as bots, scripts, or scrapers) to access the website without our prior written consent.

Misrepresent your identity or any information you provide to us.

12. SMS Term Section

1. Type of messages users will receive

By opting in to receive SMS messages from Proficient Credit Solutions, you agree that we may send you non‑marketing, transactional text messages related to your relationship with us. These messages may include, for example, consultation and appointment confirmations or reminders, requests for additional information or documents, updates on your credit profile enhancement services, and status updates regarding your personal or business funding pre‑qualification and applications.

2. How users can unsubscribe (opt‑out)

You can opt out of receiving SMS messages from us at any time by replying STOP to any text message you receive from Proficient Credit Solutions. After you send STOP, we may send a final confirmation message to confirm that you have been unsubscribed, after which you will no longer receive SMS messages from us. If you need help with our SMS program, you can reply HELP or contact us at [Insert Email/Phone].

Make sure this matches the language in your opt‑in checkbox, e.g., “Reply STOP to opt out, HELP for help.”

3. Message and data rates may apply

Message and data rates may apply to any SMS messages we send you and that you send to us, depending on your mobile carrier and plan. If you have questions about your text or data plan, contact your mobile carrier.

4. Carrier liability statement

Wireless carriers are not liable for delayed or undelivered messages.

13. Disclaimers

Your use of the website and Services is at your own risk. To the fullest extent permitted by law:

The website and Services are provided on an “as is” and “as available” basis.

We make no representations or warranties of any kind, express or implied, regarding the website, Services, or any information provided.

We do not guarantee any improvement in credit scores, approval for funding, or any specific financial outcome.

Credit scores and lending decisions are determined by third parties, including credit bureaus and lenders, outside our control.

14. Limitation of Liability

To the maximum extent permitted by law, in no event will Proficient Credit Solutions or its owners, officers, employees, agents, or affiliates be liable for:

Any indirect, incidental, consequential, special, or punitive damages.

Any loss of profits, income, business, or data.

Any damages arising out of or related to your use of, or inability to use, the website or Services.

Our total aggregate liability to you for any claim arising under these Terms or relating to the website or Services will not exceed the greater of: (a) the amount you paid for the specific Service giving rise to the claim during the six (6) months preceding the claim, or (b) [Insert Fixed Amount, e.g., USD $500], to the extent allowed by law.

15. Indemnification

You agree to indemnify, defend, and hold harmless Proficient Credit Solutions and its owners, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

Your use of the website or Services.

Your violation of these Terms or any applicable law or regulation.

Your violation of any rights of another person or entity.

16. Third‑Party Links and Services

The website may contain links to third‑party websites or services that we do not own or control. We do not endorse and are not responsible for the content, policies, or practices of any third‑party websites or services. Your use of those sites is at your own risk.

17. Changes to the Website and Services

We may modify, suspend, or discontinue any part of the website or Services at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation.

18. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Effective Date” at the top. Your continued use of the website or Services after changes are posted constitutes your acceptance of the revised Terms.

19. Governing Law and Dispute Resolution

Insert your preferred governing law and dispute method, for example:

These Terms are governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms, the website, or the Services will be resolved through binding arbitration in [Insert City/State], except that either party may seek injunctive relief in a court of competent jurisdiction.

You agree to waive any right to participate in a class action or class‑wide arbitration.

20. Customer Support Contact

If you have any questions about these Terms, you may contact us at:

Company: Proficient Credit Solutions

Website: proficientcreditsolutions.com

Support Email: [email protected]