Credit4Ever

Terms of Service

Last updated: July 22, 2026

These Terms of Service ("Terms") govern access to and use of the Credit4Ever SaaS platform (the "Service"), operated by Arbol and Rodriguez Consulting LLC ("we", "us", "our", or "Credit4Ever"), a company registered in the State of Florida, USA.

By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.

1. Description of the Service

Credit4Ever is a multi-tenant SaaS platform that enables consulting and professional service companies to manage clients, contracts, billing, appointments, documents, and communications from a single place.

2. Account and eligibility

  • You must be at least 18 years old to create an account.
  • You must provide truthful, accurate, and current information.
  • You are responsible for keeping your credentials confidential and for all activity that occurs under your account.
  • You must notify us immediately of any unauthorized use of your account at support@credit4ever.com.

3. Plans, pricing, and payments

  • The Service offers different plans (Free, Pro, Agency) with different features and limits published in the Service.
  • Payments are processed through a PCI DSS Level 1 certified payment processor. By subscribing you authorize recurring charges for the chosen plan.
  • Prices may change; any change will be notified at least 30 days in advance.
  • Applicable taxes (sales tax, VAT, etc.) are the customer's responsibility where applicable.
  • Payments are non-refundable unless expressly stated or required by law.

4. Payments to your own clients

The Service allows you to connect your own account with the integrated payment processor to charge your end-clients. In that case:

  • The payment relationship is directly between you and your end-client; we act only as a technical facilitator.
  • You are responsible for compliance with the integrated payment processor's terms and with all regulations applicable to your services.
  • We never store full payment card data.

5. Your data and your clients' data

You retain all rights to the data that you or your end-clients upload to the Service ("Your Data"). You grant us a limited, non-exclusive, worldwide license to process this data solely for the purpose of operating the Service.

  • You act as the data controller for personal data of your end-clients.
  • We act as the data processor of that data, in accordance with our Privacy Policy.
  • You are responsible for obtaining all consents and legal bases required to upload and process your clients' data in the Service.
  • You are responsible for compliance with all regulations applicable to your activity (including sector-specific rules where applicable).

6. Third-party services and Google APIs

The Service integrates third-party services (hosting infrastructure, payment processor, transactional email delivery, automated document processing, and external calendar integrations when the user connects them). Use of these integrations is subject to the terms and policies of the respective providers. We are not responsible for failures, policy changes, or outages of third-party services.

Specifically, if you connect a Google account to use Google Calendar integration:

  • You authorize the Service to access, create, update, and delete calendar events on your behalf, and to query free/busy availability, strictly to power the appointment features of the Service.
  • Credit4Ever's use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. We do not use Google user data for advertising, we do not use it to train generalized AI/ML models, and we do not sell it. For full details see section 4 of our Privacy Policy.
  • You can disconnect the Google integration at any time from Settings → Availability → Calendar → Disconnect inside the Service or from https://myaccount.google.com/permissions.

7. Acceptable use

You agree not to:

  • Use the Service for illegal or fraudulent activity.
  • Upload content that infringes third-party rights, is defamatory, obscene, threatening, or malicious.
  • Attempt to access data of other tenants or gain unauthorized access to systems.
  • Reverse engineer, decompile, or attempt to extract the Service's source code.
  • Deliberately overload the Service (DoS attacks, abusive scraping, API spam).
  • Use the Service to send spam or unsolicited communications.
  • Resell or sublicense the Service without our written authorization.

Breach may result in immediate suspension or termination of the account.

8. Intellectual property

Credit4Ever, its software, design, logo, trademarks, and content are the exclusive property of Arbol and Rodriguez Consulting LLC or its licensors. These Terms do not grant you any intellectual property rights in the Service other than the limited use license described.

9. Availability and maintenance

We make commercially reasonable efforts to keep the Service available, but we do not guarantee uninterrupted availability. We may perform scheduled maintenance with prior notice when possible. The Service is provided "AS IS" without express or implied warranties beyond those that applicable law does not allow to be excluded.

10. Termination

  • You may cancel your account at any time from the Service settings or by writing to support@credit4ever.com.
  • After cancellation you will lose access to the Service at the end of the current billing period.
  • Your data is deleted or anonymized within 30 days unless the law requires longer retention.
  • We may suspend or terminate your account immediately if you breach these Terms, fail to pay outstanding amounts, or if required by legal process.

11. Limitation of liability

To the maximum extent permitted by applicable law, Credit4Ever and Arbol and Rodriguez Consulting LLC shall not be liable for indirect, incidental, special, consequential, or punitive damages, nor for loss of profits, revenue, data, or business opportunities, arising out of or related to use of, or inability to use, the Service.

Our total aggregate liability arising out of or related to the Service shall in no event exceed the greater of (a) the amounts actually paid by you in the 12 months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (USD 100).

12. Indemnification

You agree to indemnify and hold harmless Arbol and Rodriguez Consulting LLC, its officers, employees, and agents from any claim, damage, loss, or expense (including reasonable attorneys' fees) arising from: (i) your use of the Service, (ii) your breach of these Terms, (iii) your non-compliance with regulations applicable to your services, or (iv) claims by your end-clients related to data you have uploaded to the Service.

13. AI-generated content and automated processing

The Service uses artificial intelligence and large language models ("AI") to assist with tasks such as parsing credit reports and drafting dispute letters, contract clauses, and other documents on your behalf. In connection with these features:

  • Output may be incorrect or incomplete. AI output is probabilistic and can contain factual errors, omissions, misinterpretations, or wording that does not fit your situation. You must review, correct, and validate every AI-generated document before sending it to a bureau, creditor, client, or any other third party.
  • You remain the author. By sending, printing, or otherwise using an AI-generated document, you adopt it as your own and assume full responsibility for its content and consequences.
  • Not legal, financial, or tax advice. AI output is a drafting aid, not professional advice. See section 14.
  • No training on Your Data. We do not use Your Data or your end-clients' data to train generalized AI/ML models, and we contractually require our AI providers not to train on data submitted through the Service. See section 4 of our Privacy Policy.
  • Availability. AI features depend on third-party providers and may be degraded, rate-limited, or temporarily unavailable. Section 9 (Availability) applies to these features.

14. No professional advice; tenant responsibility for regulatory compliance

We are a technology provider. We are not a law firm, credit repair organization, accounting firm, financial advisor, or licensed consumer reporting agency, and using the Service does not create an attorney-client, fiduciary, or similar professional relationship between you (or your end-clients) and us.

All templates, disclosures, forms, dispute letters, contracts, state-specific language, and other legal or compliance-related content made available through the Service (collectively, "Templates") are provided "AS IS" for informational and drafting purposes only. Templates are not legal, financial, or tax advice, do not create a lawyer-client relationship, and should not be relied on as a substitute for advice from an attorney or licensed professional qualified in your jurisdiction.

You are solely responsible for evaluating whether any Template is appropriate for your situation, for adapting it to the facts of each client and each state, and for having it reviewed by qualified counsel where appropriate. Without limiting the generality of the foregoing, you are solely responsible for:

  • Registration, bonding, insurance, and licensing required to operate as a credit repair organization (or equivalent) in each state where you serve clients, including any state-level Credit Services Organization statutes.
  • Compliance with the federal Credit Repair Organizations Act (15 U.S.C. §§ 1679 et seq.), including the standalone written disclosure "Consumer Credit File Rights Under State and Federal Law," the separate Notice of Cancellation, the three-day (or longer, where required by state law) cancellation right, and the prohibition on advance fees.
  • Compliance with the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), the Telemarketing Sales Rule (16 C.F.R. Part 310), the Telephone Consumer Protection Act, CAN-SPAM, state UDAP statutes, and any other consumer-protection, marketing, or telemarketing rule applicable to your outreach and your services.
  • Truthfulness of any statement made in a client contract, disclosure, or dispute letter generated through the Service, including statements about your registration, bonding, or licensing status. Where the Service asks you to confirm such statements, you represent that the confirmation is accurate.
  • Obtaining and documenting any consent, authorization, or limited power of attorney required to act on a client's behalf with credit bureaus, creditors, or other third parties.
  • Any advice, opinion, or recommendation you give to an end-client, including advice derived from AI output or from a Template.

Nothing in this section limits your indemnification obligations under section 12.

15. Data processing, sub-processors, and Data Processing Addendum (DPA)

For personal data of your end-clients that you upload to the Service, you act as the data controller and we act as the data processor (see Section 5). We process such data solely on your documented instructions, as set out in these Terms and our Privacy Policy, and only for the purposes of operating the Service.

We engage sub-processors to help operate the Service (hosting, payment processing, transactional email, automated document processing, error monitoring, and, when you connect it, external calendars). The current list of categories is maintained in Section 5 of the Privacy Policy. We remain responsible for their acts and omissions with respect to processing of Your Data to the same extent we would be liable for our own.

A Data Processing Addendum (DPA), reflecting the roles described above and, where applicable, incorporating EU/UK Standard Contractual Clauses for international transfers, is available on request at support@credit4ever.com and becomes part of these Terms upon execution. If you are subject to GDPR, UK GDPR, CCPA/CPRA, or comparable regimes and require a signed DPA, contact us before or promptly after account activation.

16. Data export and post-termination window

While your account is active, you may export Your Data at any time through the Service's export features or by written request to support@credit4ever.com.

After termination or cancellation of your account, we will make Your Data available for export for a period of thirty (30) days, after which the data will be deleted or anonymized in accordance with Section 10, except where applicable law (including tax, accounting, anti-fraud, or CROA record-keeping requirements) obligates us to retain specific records for longer. During the post-termination window the Service may be provided in read-only or reduced-functionality mode and remains subject to applicable fees for any active support or professional services requested.

17. Force majeure

Neither party will be liable for any failure or delay in performing its obligations (other than payment obligations) to the extent the failure or delay is caused by circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, civil disturbance, epidemic or pandemic, governmental action, embargo, labor dispute, failure or degradation of the public internet or of a third-party hosting, payment, AI, or communications provider, cyber-attack, or utility outage. The affected party will use commercially reasonable efforts to resume performance as soon as practicable and will promptly notify the other party of the event.

18. Survival

Any provision of these Terms that by its nature is intended to survive termination or expiration will do so, including, without limitation, Section 5 (Your data and your clients' data — with respect to allocated controller/processor roles), Section 8 (Intellectual property), Section 11 (Limitation of liability), Section 12 (Indemnification), Section 13 (AI-generated content) with respect to output already used, Section 14 (No professional advice; tenant responsibility for regulatory compliance), Section 15 (Data processing and DPA) with respect to residual data, Section 16 (Data export and post-termination window), Section 19 (Governing law and jurisdiction), Section 22 (General provisions), and this Section 18.

19. Governing law and jurisdiction

These Terms are governed by the laws of the State of Florida, USA, without regard to its conflict of laws rules. Any dispute shall be submitted to the competent courts located in the State of Florida, unless applicable law requires another jurisdiction.

20. Changes to the Terms

We may modify these Terms periodically. If the changes are material we will notify you by email or through a prominent notice in the Service at least 15 days in advance. Continued use of the Service after the changes take effect constitutes acceptance of the new Terms.

21. Cookies

The Service uses only strictly necessary cookies to keep your authenticated session and to protect the Google OAuth flow against CSRF. We do not use advertising, marketing, or third-party tracking cookies. A consent banner is displayed on first visit. For full details see section 12 of our Privacy Policy.

22. General provisions

  • Entire agreement: these Terms together with the Privacy Policy constitute the entire agreement between the parties regarding the Service.
  • Severability: if any clause is invalid or unenforceable, the remainder shall remain in effect.
  • No waiver: failure to enforce any provision does not constitute a waiver of the right to enforce it in the future.
  • Assignment: you may not assign these Terms without our written consent; we may assign them freely in the context of a merger, acquisition, or restructuring.

23. Contact