Last updated: April 2026
By accessing and using BuildBetterCredit.org (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site. We reserve the right to modify these Terms at any time, and your continued use of the Site following any changes constitutes acceptance of those changes.
BuildBetterCredit.org is an educational website that provides information about credit building, credit products, personal finance, and mortgage readiness. All content on this Site is provided for general informational and educational purposes only.
The content on this Site does not constitute, and should not be interpreted as, personalized financial advice, credit counseling, legal advice, tax advice, or investment advice. Every individual's financial situation is unique, and we strongly recommend consulting with a qualified financial professional, credit counselor, or attorney before making any financial decisions based on information found on this Site.
While we strive to provide accurate and up-to-date information, BuildBetterCredit.org makes no warranties or representations, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related content on the Site. Specifically:
No guarantee of credit improvement: Credit building strategies described on this Site may produce different results depending on your individual circumstances, credit history, and the actions you take. We cannot and do not guarantee any specific credit score increase, approval for any financial product, or any particular outcome.
No guarantee of product availability: Financial products and services described on this Site may change their terms, availability, or eligibility requirements at any time without notice to us. We recommend verifying all product details directly with the provider before applying.
No guarantee of savings: Calculators, tools, and estimates provided on this Site (including but not limited to our biweekly mortgage savings calculator) are for illustrative and educational purposes only. Actual results will vary based on your specific loan terms, interest rate, payment schedule, and other factors.
The Site contains links to third-party websites, products, and services. These links are provided for your convenience and do not signify our endorsement of such websites or their content. We have no control over the content, privacy practices, or availability of third-party sites. Your use of any third-party website is at your own risk and subject to the terms and conditions of that website.
When you click on an affiliate link and interact with a third-party provider, any transaction or relationship you enter into is solely between you and that provider. BuildBetterCredit.org is not a party to any such transaction and assumes no liability for products or services obtained through third-party links.
BuildBetterCredit.org participates in affiliate marketing programs and may earn commissions from qualifying purchases or actions taken through links on this Site. For complete details, please see our Affiliate Disclosure.
The Site may include forms that allow you to request information about or express interest in financial services, such as biweekly mortgage payment programs. By submitting a consultation request form, you agree to the following:
Consent to contact: You consent to be contacted by BuildBetterCredit.org and/or our service partners regarding your inquiry, using the contact method you specify (phone, email, or both).
Accuracy of information: You represent that the information you provide in the form is accurate and complete to the best of your knowledge.
No obligation: Submitting a form does not obligate you to purchase any product or service, nor does it obligate any service provider to offer you a specific product, rate, or terms.
Information sharing: Information you submit may be shared with relevant service partners to fulfill your request. See our Privacy Policy for details on how your information is handled.
All content on this Site — including text, graphics, logos, design elements, page layouts, and software — is the property of BuildBetterCredit.org or its content suppliers and is protected by United States and international copyright and intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this Site without our prior written consent, except for personal, non-commercial use such as printing a page for your own reference.
When using the Site, you agree not to:
Use the Site for any unlawful purpose or in violation of any applicable local, state, national, or international law. Attempt to gain unauthorized access to any portion of the Site, its systems, or its networks. Interfere with or disrupt the Site or the servers and networks connected to the Site. Use any automated system, including bots, scrapers, or spiders, to access the Site for any purpose without our express written permission. Impersonate any person or entity, or falsely represent your affiliation with any person or entity. Submit false, misleading, or fraudulent information through any form on the Site.
THE SITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BUILDBETTERCREDIT.ORG, ITS OWNERS, OPERATORS, AFFILIATES, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, ANY CONTENT ON THE SITE, OR ANY PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE EXCEED THE AMOUNT YOU HAVE PAID TO US (IF ANY) FOR ACCESS TO THE SITE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
You agree to indemnify, defend, and hold harmless BuildBetterCredit.org, its owners, operators, affiliates, partners, and their respective officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of another party.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which BuildBetterCredit.org operates, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the Site shall be resolved in the courts of competent jurisdiction in that state.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.
If you have questions about these Terms of Use, please contact us at:
BuildBetterCredit.org
Email: info@buildbettercredit.org