These Terms govern your purchase and use of The Credit Protocol, a digital educational course sold by The Credit Protocol ("we," "us," "our"). By completing a purchase, you agree to these terms in full.
1. PRODUCT & ACCESS
The Credit Protocol is a digital product delivered as downloadable PDF files. Upon confirmed payment you receive immediate access to all course materials. Access is granted to the individual purchaser only. Materials may be updated or expanded at any time — purchasers receive lifetime access at no additional charge.
2. PAYMENT & NO REFUND POLICY
Because this is a digital product delivered immediately upon purchase and cannot be returned, all sales are final. By completing your purchase you acknowledge you have read the sales page and understand what you are purchasing.
If you experience a technical issue preventing access, contact us and we will resolve it promptly. Chargebacks on valid purchases violate these terms and may result in access revocation.
3. LICENSE & PERMITTED USE
Upon purchase you are granted a personal, non-exclusive, non-transferable license for your own personal educational use only.
You may:
- Download and read materials for personal use
- Use letter templates to exercise your legal consumer rights
- Reference materials for your own learning indefinitely
You may not:
- Share, distribute, resell, or redistribute any materials
- Upload materials to any file sharing platform or server
- Reproduce content in other courses, guides, or products
- Remove watermarks, fingerprints, or copyright notices
All materials are watermarked with unique fingerprint IDs. Unauthorized distribution is traceable and constitutes copyright infringement.
4. EDUCATIONAL DISCLAIMER
The Credit Protocol provides educational information about consumer rights under the FDCPA, FCRA, and related federal laws. Nothing in this course constitutes legal or financial advice. Laws vary by state. For complex situations, consult a licensed consumer rights attorney. Results are not guaranteed — individual outcomes vary based on your specific accounts and implementation.
5. DISCLAIMER & LIMITATION OF LIABILITY
The course is provided "as is" without warranties of any kind. We do not warrant that specific results will be achieved. To the fullest extent permitted by law, our total liability shall not exceed the amount you paid for the course.
This Privacy Policy explains how The Credit Protocol collects, uses, and protects your information.
INFORMATION WE COLLECT
- Name and email address when completing a purchase
- Payment information — processed entirely by our payment processor. We do not store payment card details.
- Basic analytics data (page views, referral source) via standard web analytics
HOW WE USE YOUR INFORMATION
- To process and fulfill your purchase
- To deliver your purchased course materials
- To send transactional emails related to your purchase
- To comply with legal obligations
We do not sell, rent, or trade your personal information.
INFORMATION SHARING
We share information only with payment processors (Stripe) to complete your transaction, and with legal authorities if required by law.
YOUR RIGHTS
You have the right to request a copy of your data, request correction of inaccurate data, and request deletion subject to legal obligations. Contact us to exercise these rights.
CONTACT
Email: credithelp@consultant.com
For purchase support or course access issues, use the same email.