Terms & Conditions

These Terms & Conditions (“Terms”) govern your use of https://bigjoecredit.com (the “Website”) and our services. By using our Website or engaging our services, you agree to these Terms.

1. About Us

The Website is owned and operated by Big Joe Credit Repair (“we,” “our,” “us”).

2. Use of Website

• You agree to use this Website for lawful purposes only.

• You must not attempt to breach security, copy content, or misuse the Website.

3. Services Disclaimer

• We provide credit education and assistance with credit disputes in compliance with the Credit Repair Organizations Act (CROA).

• We do not guarantee specific results (e.g., score increases, removal of all negative items).

• Results vary based on individual credit history and participation.

4. No Legal or Financial Advice

Our services are not a substitute for legal, tax, or financial advice. For such matters, consult a licensed professional.

5. Payment & Refund Policy

• Fees for services will be disclosed before enrollment.

• Once services begin, refunds may not be available except as required by law.

6. Limitation of Liability

We are not liable for indirect, incidental, or consequential damages arising from use of our Website or services.

7. Intellectual Property

All content, branding, and materials on this Website are the property of Big Joe Credit Repair. You may not copy or redistribute without permission.

8. Governing Law

These Terms are governed by the laws of the State of Texas (or your registered state of business).

9. Updates to Terms

We may update these Terms periodically. Continued use of the Website constitutes acceptance of changes.