Terms and Conditions

Effective Date: May 19, 2025

Luxx Credit Services

1. Introduction

Welcome to Luxx Credit Services. By accessing or using our website, services, or responding to our advertisements, you agree to be bound by these Terms and Conditions. Please read them carefully. If you do not agree, you should not use our services.

2. Services Provided

Luxx Credit Services offers credit education and consultation services intended to help individuals understand and improve their credit profile. We do not guarantee specific credit score improvements or financial outcomes.

3. User Responsibilities

By using our services, you agree to:

Provide accurate and complete informationUse our services only for lawful purposesNot impersonate another individual or misrepresent your identityRefrain from using our content or platform for any fraudulent or harmful activity

4. No Legal or Financial Advice

All services and content provided by Luxx Credit Services are for informational and educational purposes only and do not constitute legal, tax, or financial advice. We recommend that you consult with a licensed professional for specific advice related to your financial or legal situation.

5. Privacy and Data Usage

Please refer to our Privacy Policy for detailed information on how we collect, use, and safeguard your personal information.

We do not sell, rent, or share your information with third parties. Your data is used strictly to provide and improve our services.

6. Payment and Refunds

Payment terms for services are provided at the time of purchase or engagement. All fees are non-refundable unless otherwise stated in a written agreement. If you have a billing question, please contact [email protected].

7. Intellectual Property

All content on our website and marketing materials—including but not limited to logos, designs, texts, graphics, and service names—are the intellectual property of Luxx Credit Services. You may not reproduce, modify, or distribute our content without prior written consent.

8. Limitation of Liability

Luxx Credit Services is not liable for any indirect, incidental, special, or consequential damages arising out of your use of our services. We do not guarantee that your credit score will improve or that specific outcomes will be achieved.

9. Termination of Use

We reserve the right to terminate or suspend your access to our services at our discretion, without notice, if we believe you have violated these Terms and Conditions or engaged in unlawful conduct.

10. Changes to These Terms

We may update these Terms and Conditions from time to time. Any changes will be posted on this page with the updated effective date. Continued use of our services after changes are posted constitutes your acceptance of the updated terms.