Disclaimer – Updated February 2026

LEGAL DISCLAIMER & LIMITATION OF LIABILITY

Effective Nationwide – United States

The Smart Small-Loan & Credit Repair Blueprint, all related materials, templates, tools, downloads, and content provided by Rebuildly.Credit (collectively, the “Materials”) are provided strictly for general educational and informational purposes.

By accessing, downloading, or using these Materials, you acknowledge and agree to the terms below.

1. No Legal, Financial, Tax, or Credit Repair Advice

The Materials do not constitute legal advice, financial advice, tax advice, lending advice, credit counseling, debt settlement services, or credit repair services.

Rebuildly.Credit is not:

  • A law firm
  • A licensed attorney
  • A credit repair organization as defined under federal or state law
  • A debt settlement company
  • A credit counseling agency
  • A financial advisory firm
  • A mortgage broker or loan broker
  • A bank or financial institution
  • A licensed lender in any state

Nothing contained in the Materials should be interpreted as professional advice or a substitute for consultation with a licensed attorney, CPA, financial advisor, or other qualified professional in your jurisdiction.

2. No Client Relationship

Your use of the Materials does not create:

  • An attorney-client relationship
  • A fiduciary relationship
  • A lender-borrower relationship
  • A broker-client relationship
  • A financial advisor-client relationship

No personalized advice is provided.

3. No Guarantees or Representations

Credit scores, lending approvals, financial outcomes, and funding decisions vary significantly based on individual circumstances.

Rebuildly.Credit makes no representations, warranties, or guarantees regarding:

  • Credit score increases
  • Removal of negative items
  • Loan approvals
  • Interest rates
  • Financial gains
  • Debt reduction success
  • Long-term financial results

All examples, projections, worksheets, action plans, and strategies are illustrative only and do not guarantee results.

Past results do not guarantee future outcomes.

4. Compliance With Federal & State Laws

Consumers have rights under federal and state laws, including but not limited to:

  • The Fair Credit Reporting Act (FCRA)
  • The Fair Debt Collection Practices Act (FDCPA)
  • The Truth in Lending Act (TILA)
  • The Equal Credit Opportunity Act (ECOA)
  • State lending and consumer protection statutes

Information in the Materials is provided solely for general awareness and should not be interpreted as legal instruction.

Consumers are solely responsible for understanding and complying with applicable laws in their state.

5. No Lending or Underwriting Authority

Rebuildly.Credit does not:

  • Underwrite loans
  • Issue credit
  • Make lending decisions
  • Set interest rates
  • Control loan terms
  • Influence lender approval criteria

All lending decisions are made solely by independent third-party financial institutions.

We are not responsible for denials, approvals, loan terms, repayment obligations, fees, collections, or financial consequences resulting from third-party products.

6. Affiliate & Third-Party Disclosure

Rebuildly.Credit may reference or link to third-party lenders, financial services, software providers, or affiliate partners.

We may receive compensation if you apply for or purchase products through certain links.

However:

  • We do not control third-party policies or decisions.
  • We do not guarantee lender accuracy or fairness.
  • We are not responsible for third-party conduct, terms, privacy practices, or financial outcomes.

You agree to independently evaluate all financial products before applying.

7. Assumption of Risk

By using the Materials, you acknowledge that:

  • All financial decisions involve risk.
  • Borrowing money may increase financial obligations.
  • Credit actions may affect your credit profile.
  • You are solely responsible for your financial choices.

You voluntarily assume all risks associated with implementing any strategy discussed.

8. Limitation of Liability

To the fullest extent permitted by federal and state law, Rebuildly.Credit and its owners, officers, directors, affiliates, contractors, partners, and contributors shall not be liable for:

  • Direct damages
  • Indirect damages
  • Incidental damages
  • Consequential damages
  • Financial losses
  • Credit denials
  • Reputational harm
  • Business losses
  • Lost income or opportunities

arising from or related to your use of the Materials.

If liability is found, it shall be limited to the amount paid (if any) for access to the Materials.

9. No Regulatory Endorsement

Nothing in the Materials implies endorsement, approval, or sponsorship by:

  • Any government agency
  • Any credit bureau
  • Any financial institution
  • Any regulatory authority

10. Acceptance of Terms

By accessing, downloading, or using the Materials, you acknowledge that you have read, understood, and agreed to this Disclaimer and Limitation of Liability.

If you do not agree, you should not use these Materials.