THE CREDIT COMET
Terms of Service
Last updated: 10/17/2025
Welcome to The Credit Comet (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website and services, including any features, content, or applications we provide (collectively, the “Services”). By accessing or using the website thecreditcomet.com (the “Site”) or any services provided by The Credit Comet (collectively, “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not use the Site or Services.
Eligibility
You represent and warrant that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into agreements. You also represent that your use of the Site and Services is not prohibited by applicable law.
Services
The Credit Comet provides educational content, credit improvement guidance, tools, forums, community support, and other resources related to credit repair, financial literacy, and credit score improvement. The Credit Comet can also provide educational and consulting services designed to help users better understand and manage their credit and financial health. We do not guarantee credit score improvement, specific lending outcomes, or removal of credit report items. We are not a “credit repair organization” as defined under the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.).
We may in future offer additional services or subscription-based features; such offerings will be governed by additional terms or amendments.
User Accounts, Passwords & Security
To access certain features, you may be required to register for an account and provide certain information. You agree to keep your account information, username, password, and resources used in connection with the Site confidential and not share them. You are responsible for all activity under your account. You agree to notify us immediately of any unauthorized use or security breach.
Consent to Communication (TCPA Compliance)
By submitting your contact information through our Site or Services, you expressly consent to be contacted by The Credit Comet and its representatives, affiliates, or partners via:
- Phone calls (including prerecorded or automated calls),
- Text messages (SMS/MMS), and
- Email communications,
at the phone numbers and email addresses you provide, even if they appear on any state or federal Do Not Call registry.
You understand that your consent is not a condition of purchase and that you may revoke consent at any time by:
- Texting “STOP” to opt out of SMS,
- Clicking “unsubscribe” in an email, or
- Emailing info@thecreditcomet.com to request removal.
Standard carrier message and data rates may apply.
User Conduct & Prohibitions
You agree to not use the Site or Services for any illegal purpose, or in violation of applicable laws or regulations. Not to post or transmit any content that is defamatory, obscene, infringing, or otherwise objectionable. Not to interfere with the operation of the Site (e.g. via bots, scraping, hacking). Not to impersonate another person or entity. Not to misuse the forums or community features (spam, harassment, etc.).
Intellectual Property
All content on the Site (text, graphics, logos, software, images, etc.) is the property of The Credit Comet or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, republish, distribute, display, modify, or otherwise use any portion of the Site or Services except as expressly permitted by these Terms. If you submit content (e.g. forum posts, comments), you grant The Credit Comet a non-exclusive, perpetual, worldwide, royalty-free license to use, display, and distribute that content in connection with operation of the Site.
Disclaimers & No Guarantees
The information and materials on the Site are for educational and informational purposes only. They do not constitute legal, financial, or credit repair advice. The Credit Comet does not guarantee any particular results (e.g. certain credit score improvements). Use of the Site and Services is at your own risk. The Site is provided “as is” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or noninfringement.
Limitation of Liability
To the fullest extent permitted by law, The Credit Comet (and its officers, directors, employees, licensors, and affiliates) shall not be liable for any indirect, incidental, special, punitive, or consequential damages arising out of or related to your use (or inability to use) the Site or Services. In no event shall The Credit Comet’s aggregate liability to you exceed the amount you paid (if any) for use of the Services in the past 12 months, or one hundred dollars ($100), whichever is greater.
Indemnification
You agree to indemnify, defend, and hold The Credit Comet (and its affiliates, officers, employees, agents) harmless from and against any claims, liabilities, damages, losses, or expenses (including attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of another.
Third-Party Links & Resources
The Site may contain links to third-party websites, tools, or services. The Credit Comet does not control those and is not responsible for their content, privacy policies, or practices. The inclusion of links does not imply endorsement.
Modifications to Terms or Services
We reserve the right to modify or discontinue (temporarily or permanently) the Site or Services (or any part thereof) at any time without notice. We may also revise these Terms from time to time. Revised Terms will be effective when posted. Your continued use constitutes acceptance of the amended Terms.
Termination
We may suspend or terminate your access to the Site or Services at our discretion, without notice, for any breach of these Terms or for any other reason. Paragraphs 5, 6, 7, 8, 9, 11, and 13 will survive termination.
Governing Law & Dispute Resolution
These Terms are governed by and construed under the laws of the State of Michigan, without regard to conflicts of law principles. Any disputes arising under or relating in any way to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Kent County, Michigan. You consent to personal jurisdiction in those courts.
Severability & Waiver
If any provision of these Terms is held unenforceable, that provision will be revised to the minimum extent necessary to make it enforceable, and the rest of the Terms will remain in full force. No waiver of any term or right shall be deemed a further or continuing waiver.
Contact Information
If you have questions about these Terms, please contact us at:
Email: info@thecreditcomet.com
Phone: (844) 984-4779