COMPREHENSIVE TERMS AND CONDITIONS
Credit Repair Mastery & CareerSaver.ai Educational Programs
Effective Date: December 15, 2025
Last Updated: December 15, 2025
IMPORTANT NOTICE
PLEASE READ THESE TERMS CAREFULLY BEFORE PURCHASING. BY PURCHASING, DOWNLOADING, OR ACCESSING ANY OF OUR PRODUCTS, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS.
1. Acceptance of Terms
By purchasing, accessing, downloading, or using any product, service, or material from Credit Repair Mastery, CareerSaver.ai, or any associated brands (collectively, the “Company,” “we,” “us,” or “our”), you (“Customer,” “you,” or “your”) enter into a legally binding agreement and acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety.
2. Educational Materials Only – Not a Service
2.1 Nature of Products
All products sold are strictly educational materials provided for informational purposes only. We are NOT:
- A credit repair organization or service
- A credit counseling agency
- A debt settlement company
- A law firm or legal service provider
- Financial advisors or financial planners
- Career counselors or employment agencies
- Licensed professionals in any regulated field
2.2 What You Are Purchasing
You are purchasing educational content only, including but not limited to:
- Digital PDF guides and documents
- Educational frameworks and methodologies
- Template letters and forms for personal use
- Informational strategies and techniques
- General educational content
2.3 What You Are Not Purchasing
You are NOT purchasing:
- Credit repair services
- Guaranteed results of any kind
- Legal advice or representation
- Financial advice or planning services
- One-on-one coaching or consulting
- Personalized advice specific to your situation
- Services performed on your behalf
- Access to professionals or experts
- Ongoing support or maintenance
- Any guarantee of outcome
3. No Guarantees – Absolutely None
3.1 Zero Guarantees Statement
We make ABSOLUTELY NO GUARANTEES, WARRANTIES, REPRESENTATIONS, OR PROMISES regarding:
- Credit score improvements or point increases
- Removal or deletion of credit report items
- Dispute success with credit bureaus or creditors
- Career advancement, employment, salary increases, or promotions
- Financial outcomes of any kind
- Timelines or specific results
3.2 Results Disclaimer
Results vary significantly and depend on factors outside our control, including credit history, bureau and creditor responses, implementation, economic conditions, legal changes, employer decisions, market demand, and individual circumstances.
3.3 Typical Results Warning
There are NO “TYPICAL” RESULTS. Testimonials or examples are not guarantees and are not representative of expected outcomes.
3.4 Earnings and Income Disclaimer
No representations are made regarding income, earnings, employment, or financial gains.
4. All Sales Are Final – No Refunds
4.1 No Refund Policy
ALL SALES ARE FINAL. No refunds, returns, exchanges, or credits are provided for any reason.
4.2 Digital Product Justification
This policy exists because products are delivered instantly, cannot be returned, and outcomes cannot be guaranteed from educational materials.
4.3 Chargeback Policy
Chargebacks are prohibited and constitute breach of contract. Filing a chargeback may result in access termination and legal action.
4.4 Pre-Purchase Acknowledgment
By purchasing, you acknowledge full understanding of the no-refund and no-guarantee policy.
5. Limitation of Liability
To the fullest extent permitted by law, our total liability shall not exceed the amount paid for the product. We are not liable for indirect, incidental, consequential, or punitive damages.
6. Disclaimers of Warranties
All products are provided “AS IS” and “AS AVAILABLE.” All warranties, express or implied, are disclaimed.
7. Intellectual Property Rights
All content is owned by the Company and protected by copyright and intellectual property laws. A limited, personal-use license is granted. Redistribution, resale, or commercial use is prohibited.
8. User Responsibilities and Conduct
You are solely responsible for legal compliance, truthful communications, and ethical use of materials. You agree to indemnify the Company against claims arising from misuse.
9. Not Professional Advice
Nothing provided constitutes legal, financial, tax, investment, or career advice. Consult qualified professionals for personalized guidance.
10. Privacy and Data Collection
We collect necessary purchase and access information, use reputable third-party processors, and implement reasonable security measures. Marketing emails may be sent with opt-out options.
11. Modification of Terms
We may modify these Terms at any time. Continued use constitutes acceptance of updated Terms.
12. Modification of Products
We may modify, discontinue, or update products without obligation to notify or provide updates.
13. Testimonials and Endorsements
Testimonials are not typical, not guaranteed, and provided for illustrative purposes only.
14. External Links and Third Parties
Third-party links are provided without endorsement. Use is at your own risk.
15. Termination and Access
We may terminate access for violations, fraud, or misuse. No refunds will be issued upon termination.
16. Dispute Resolution and Arbitration
All disputes are subject to binding individual arbitration. Class actions and jury trials are waived.
17. Governing Law and Jurisdiction
These Terms are governed by the laws of your applicable state or province.
18. Severability
Invalid provisions do not affect enforceability of remaining sections.
19. Entire Agreement
These Terms constitute the entire agreement between you and the Company.
20. No Waiver
Failure to enforce any provision is not a waiver.
21. Force Majeure
We are not liable for delays or failures caused by events beyond reasonable control.
22. Assignment
You may not assign rights without consent. We may assign freely.
23. Headings
Headings are for convenience only.
24. Contact Information
Email: hello@careersaver.ai
25. Product-Specific Disclaimers
25.1 Credit Repair Mastery
Educational content only. No credit repair services, guarantees, or bureau influence. Compliance with FCRA, FDCPA, and CROA is required.
25.2 CareerSaver.ai
Educational career tools only. No job placement, income, or advancement guarantees.
25.3 AI Mastery Bundle
Bundle pricing and components may change. No partial refunds.
26. Final Acknowledgments
By purchasing, you confirm understanding of all terms, zero guarantees, final sales, arbitration requirements, legal compliance responsibility, and eligibility to enter this agreement.