CreditDawn.com – Terms of Service

Effective Date: January 5, 2026

1. Acceptance of Terms

By accessing or using CreditDawn.com (the “Site”) you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you must discontinue use of the Site immediately.

2. Eligibility

You must be at least 18 years old and capable of entering a legally binding contract to use the Site.

3. Account Registration

• Information Required: Name, email address, and phone number.

• Accuracy: You must provide truthful, complete, and up‑to‑date information.

• Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

4. Services Provided

CreditDawn.com offers credit‑education content and counseling services (collectively, the “Services”). The Services are informational only and do not constitute legal, financial, or tax advice.

5. User Conduct

You agree not to:

Prohibited ActivityDescription Illegal UseEngage in any activity that violates applicable law.HarassmentSend abusive, threatening, or defamatory content.Spam Submit unsolicited bulk messages or solicitations.Misrepresentation Falsify your identity or credentials.Interference Attempt to disrupt, hack, or impair the Site’s functionality.

Violations may result in immediate termination of your account without refund.

6. Payment & Refunds (if applicable)

• Fees: Certain counseling sessions may be fee‑based; fees are disclosed before purchase.

• Refund Policy: Refunds are offered only within 7 days of purchase and only for services not yet rendered. No refunds for completed sessions.

7. Intellectual Property

• All content on the Site (text, graphics, videos, logos, etc.) is owned by CreditDawn.com or its licensors and is protected by copyright, trademark, and other laws.

• You may view and share content for personal, non‑commercial use only. Reproduction, distribution, or creation of derivative works without written permission is prohibited.

8. Disclaimer of Warranties

The Site and Services are provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to:

• Merchantability

• Fitness for a particular purpose

• Non‑infringement

• Accuracy or reliability of information

CreditDawn.com does not guarantee that the Services will meet your expectations or that any results will be achieved.

9. Limitation of Liability

To the maximum extent permitted by law, CreditDawn.com shall not be liable for:

• Direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or Services.

• Loss of data, revenue, or profits.

Your sole remedy for any claim is a refund of any fees paid for the specific Service that gave rise to the claim, if applicable.

10. Indemnification

You agree to defend, indemnify, and hold harmless CreditDawn.com, its affiliates, officers, and employees from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys’ fees) arising out of:

• Your breach of these Terms.

• Your violation of any law or the rights of a third party.

11. Termination

CreditDawn.com may terminate or suspend your account at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, all rights granted to you under these Terms cease immediately.

12. Governing Law & Dispute Resolution

• Law: These Terms are governed by the laws of the State of Utah, USA, without regard to conflict‑of‑law principles.

• Disputes: Any dispute shall be resolved exclusively in the state or federal courts located in Utah County, Utah.

13. Changes to Terms

We may revise these Terms at any time. Revised Terms will be posted on this page with an updated “Effective Date.” Continued use of the Site after changes constitutes acceptance of the new Terms.

14. Contact Information

For questions or concerns regarding these Terms, please contact us at:

Email: support@creditdawn.com
Phone: +1‑800‑555‑0199

By creating an account or using CreditDawn.com, you acknowledge that you have read, understood, and agree to these Terms of Service.