Terms of Service
Effective Date: October 1, 2026
1. Agreement to These Terms
These Terms of Service govern your use of takebackyourcredit.com and the digital educational products offered by Take Back Your Credit, operated by The Hayes Method LLC ("we," "us," or "our"). By accessing this website or purchasing a product, you agree to these Terms.
2. Educational Purpose Only
Take Back Your Credit provides educational information intended to help consumers better understand credit reports, credit disputes, credit-building strategies, and personal credit management.
Our materials are provided for educational and informational purposes only and are not legal, financial, accounting, or professional credit counseling advice.
3. No Guaranteed Results
We do not guarantee any specific credit score increase, deletion of information from a credit report, approval for credit or financing, or other particular result. Individual results vary based on numerous factors outside our control.
4. Consumer Responsibility
You are responsible for reviewing your own credit information, determining whether information is inaccurate or incomplete, and deciding what actions are appropriate for your circumstances.
Our materials should not be used to dispute information you know to be accurate or to make false, misleading, or fraudulent statements.
5. Digital Products
Products sold through this website are digital products. After successful payment, customers may receive electronic access to or delivery of the purchased materials.
6. Personal-Use License
Your purchase grants you a limited, non-exclusive, non-transferable license to use the purchased materials for your own personal, non-commercial use.
You may not reproduce, resell, redistribute, publish, upload, share, sublicense, or commercially exploit our digital products without written permission from The Hayes Method LLC.
7. Payments
Prices are displayed before purchase. Payments may be processed by third-party payment processors such as Stripe. By submitting payment, you represent that you are authorized to use the selected payment method.
8. Refunds
Refund eligibility is governed by the Refund Policy published on this website. Please review that policy before purchasing.
9. Intellectual Property
The website, branding, written materials, graphics, downloadable products, and other original content provided by Take Back Your Credit are protected by applicable intellectual-property laws. Nothing in these Terms transfers ownership of our intellectual property to you.
10. Prohibited Uses
You may not use this website or our products for unlawful, fraudulent, deceptive, abusive, or unauthorized commercial purposes. You may not attempt to interfere with the operation or security of the website or bypass systems designed to control access to paid digital products.
11. Third-Party Services
We may use third-party services for payment processing, hosting, analytics, communications, and other business functions. We are not responsible for the availability, policies, or independent actions of third-party services.
12. Disclaimer of Warranties
To the fullest extent permitted by law, the website and educational materials are provided on an "as is" and "as available" basis without warranties of specific outcomes or results.
13. Limitation of Liability
To the fullest extent permitted by applicable law, The Hayes Method LLC will not be liable for indirect, incidental, special, consequential, or similar damages arising from your use of the website or educational materials.
14. Changes to These Terms
We may update these Terms from time to time. Updated Terms will be posted on this page with a revised effective date when appropriate.
15. Contact
Questions regarding these Terms may be sent to support@takebackyourcredit.com.