Terms of Service

Last Updated: November 30, 2025

1. Agreement to Terms

By accessing and using That.You's credit repair services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Services Description

That.You provides credit repair and consultation services designed to help consumers improve their credit scores through legal and ethical means. Our services include:

• Credit report analysis and review
• Dispute of inaccurate or unverifiable information
• Credit optimization strategies
• Educational resources and guidance
• Ongoing monitoring and support

3. Your Rights Under CROA

The Credit Repair Organizations Act (CROA) provides you with specific rights:

• You have the right to cancel your contract within 3 business days without charge
• We cannot charge you until services have been fully performed
• We cannot make false or misleading statements
• We cannot advise you to make false statements
• You have the right to sue us if we violate the CROA

4. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information
• Review your credit reports regularly
• Respond promptly to requests for information
• Follow recommended credit management practices
• Not engage in fraudulent activities

5. Payment Terms

Payment is due only after services have been performed. Specific payment terms will be outlined in your service agreement. We accept various payment methods and offer flexible payment plans.

6. No Guaranteed Results

While we work diligently to improve your credit, we cannot guarantee specific results or outcomes. Credit repair results depend on many factors including the accuracy of reported information, creditor responses, and your individual circumstances.

7. Cancellation and Refund Policy

You may cancel your service agreement at any time. Refunds are provided in accordance with our service agreement and applicable law. You have the right to cancel within 3 business days without penalty.

8. Privacy and Data Protection

We take your privacy seriously. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

9. Limitation of Liability

That.You shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. Our total liability is limited to the amount you paid for our services.

10. Modifications to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated to active clients. Continued use of our services after changes constitutes acceptance of new terms.

11. Governing Law

These terms are governed by federal law and the laws of the state in which our services are provided. Any disputes shall be resolved through binding arbitration or in the courts of our jurisdiction.

12. Contact Information

If you have questions about these Terms of Service, please contact us through our website or customer support channels.