Terms of Service

Credit Whiteout
Last updated: January 15, 2026

These Terms of Service (“Terms”) govern your use of the Credit Whiteout website and any related communications. By accessing or using our website, submitting information, or communicating with us, you agree to these Terms. If you do not agree, please do not use the website.

1) Services

Credit Whiteout provides credit education and consultation services. Any information we provide is for educational purposes and does not constitute legal advice. Results vary by individual and are not guaranteed.

2) Communications (SMS, Email, Phone)

SMS Consent & Opt-Out

If you provide your phone number, you consent to receive text messages from Credit Whiteout related to your inquiry, appointment scheduling, and customer support. Message and data rates may apply. You may opt out at any time by replying STOP. For help, reply HELP.

We do not sell or share SMS consent with third parties for marketing purposes.

3) User Responsibilities

4) Intellectual Property

All content on this website (including text, logos, graphics, and design) is owned by Credit Whiteout or used with permission. You may not copy, reproduce, or distribute content without written permission.

5) Disclaimers

The website and services are provided “as is” and “as available.” We do not guarantee uninterrupted access or error-free operation. We are not responsible for delays or failures due to factors outside our control.

6) Limitation of Liability

To the maximum extent permitted by law, Credit Whiteout shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the website or communications with us.

7) Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised “Last updated” date. Continued use of the website after changes means you accept the updated Terms.

8) Contact

Questions about these Terms? Contact us:

Phone: (949) 773-4777
Website: creditwhiteout.com