Terms & Conditions

Introduction

Incite Strategies Credit Solutions (“Incite Strategies,” “we,” “us,” or “our”) operates the website: https://incitestrategies.credit and provides credit-repair and related educational services. By accessing or using our website, resources, or services (the “Services”), you agree to these Terms & Conditions and Terms of Use.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE.

By using the Website, you signify your agreement to these Terms of Use. If you do not agree to these Terms of Use, you may not use the Website. In addition, when you use any of our current or future services, you will also be subject to our guidelines, terms, conditions and agreements applicable to those services. If these Terms of Use are inconsistent with the guidelines, terms and agreements applicable to those services, these Terms of Use will control.

Consumer Credit File Rights Under State and Federal Law

Disputing inaccurate information

You may dispute inaccurate information in your credit report by contacting the credit bureau directly. Neither you nor any credit-repair organization has the right to have accurate, current, and verifiable information removed from your credit report. Credit bureaus remove accurate negative information only when the law requires (generally seven years; bankruptcies may be reported for up to ten years).

Obtaining your credit report

You have a right to obtain a copy of your credit report from a credit bureau and may be charged a reasonable fee. There is no fee if you have been turned down for credit, employment, insurance, or housing within the past 60 days due to information in your report. You are also entitled to a free report if you are unemployed and intend to seek employment within 60 days, receive public assistance, or believe your report contains inaccurate information due to fraud.

Protection from deceptive practices

You have a right to sue a credit-repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit-repair companies.

Right to cancel

You have the right to cancel your contract with any credit-repair organization for any reason within three (3) business days from the date you signed it.

Disputing errors with credit bureaus

You may notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The bureau must reinvestigate and modify or remove inaccurate or incomplete information, and may not charge a fee for this service. If the reinvestigation does not resolve the dispute to your satisfaction, you may submit a brief statement explaining why you believe the record is inaccurate, and the bureau must include a summary of your statement with any report it issues.

Federal oversight: For more information, contact the Federal Trade Commission, Public Reference Branch, Washington, D.C. 20580.

Description of Services

Incite Strategies provides litigation-backed credit-repair services and educational resources designed to help you improve, build, and maintain your credit profile. By using our Services, you understand and agree that:

• Credit report evaluation: We review your credit reports from the major credit bureaus to identify items that may be inaccurate, erroneous, false, outdated, or otherwise disputable, and that may negatively affect your scores.
• Tailored dispute support: We help prepare customized dispute letters to credit bureaus and/or furnishers (creditors/collectors) for items that may be inaccurate, incomplete, or unverifiable. We provide templates, guidance, and recommendations.
• Progress tracking: We track dispute outcomes and may request updated credit reports from you or via your chosen credit monitoring provider in order to evaluate results and guide next steps.
• Educational resources: Our website and communications may include articles, guides, videos, and templates to help you understand credit, disputes, budgeting, and credit-building strategies.

Authorizations

By engaging our Services, you authorize Incite Strategies to:

• Store and use information and documentation you provide for the purpose of delivering Services.
• Review your credit reports and scores as necessary to perform Services and track outcomes.
• Communicate with you via the contact information you provide (e.g., email, phone, SMS, mail) about your Services, updates, and relevant offers.

Fees and Payment

We may offer complimentary consultations and free educational content. Paid plans and service packages are disclosed prior to signup and may include setup fees, monthly subscriptions, or case-based fees.

You agree to pay any fees you authorize at signup. If you use a third-party credit monitoring service, you are responsible for any associated fees and for managing or canceling that subscription directly with the third-party provider.

Canceling your Services with Incite Strategies does not automatically cancel any third-party credit monitoring subscriptions.

Duration and Payment

Your access to our Services begins when you enroll and remains active while your account is in good standing and any applicable subscription fees are current. You may use your account for dispute preparation/tracking, educational resources, and other included features for as long as your plan remains active.

Cancellation Rights and Procedure

You may cancel your contract with Incite Strategies at any time without penalty or obligation.

Note: If you have a separate credit monitoring subscription with a third-party provider, you must cancel that subscription directly with the provider.

Notice of Cancellation Template

Acceptable Use & Prohibited Conduct

You will not use the Services to violate any law or regulation. You will not submit false, fraudulent, or misleading information. You will not infringe on the rights of others, including privacy and intellectual property rights. You will not interfere with or disrupt our website, systems, or networks.

No Legal Tax or Financial Advice

We provide educational information and support for credit-repair processes. We do not provide legal, tax, investment, or financial advice. For legal advice, consult a licensed attorney. For tax advice, consult a tax professional.

Terms of Use for Website

Consideration

You agree that these Terms of Use are supported by reasonable and valuable consideration, the receipt and adequacy of which you hereby acknowledge, including, without limitation, your access to and use of the Website and data, materials and information available at or through the Website.

Restrictions on Use; Limited License

All content contained on the Website (collectively, “Content“), such as text, graphics, logos, icons, images, audio and video clips, digital downloads, data compilations, and software, is our property or the property of our licensors or licensees, and the compilation of the Content on the Website is our exclusive property, protected by United States and international copyright laws.

We grant you a limited license to access and make personal use of the Website. No Content of the Website or any other Internet site owned, operated, licensed, or controlled by us may be copied, reproduced, republished, downloaded, uploaded, posted, transmitted or distributed in any way, or sold, resold, visited, or otherwise exploited for any commercial purpose, except that you may download one (1) copy of the Content for personal, noncommercial use.

System Requirements

Use of certain areas of the Website requires Internet access. You acknowledge and agree that it is your sole responsibility to comply with the system requirements of your Software and Device, and to maintain, update, and upgrade your Software and Devices, including the payment of all Internet access, Software, and Device fees without recourse to SOP.

Submissions

You may send communications; and submit suggestions, ideas, comments, questions, or other information, so long as none of these materials are illegal, obscene, threatening, defamatory, invasive of privacy, infringing on intellectual property rights, or otherwise injurious to third parties. You may not use a false e-mail address, impersonate anyone, or otherwise mislead as to the origin of any content.

If you post or send any User-Generated Content to us, intentionally or unintentionally, we shall have the unrestricted rights to the use thereof for any and all purposes whatsoever, commercial or otherwise, without any further permission from, or any payment to, you or anyone else.

Disclaimer of Warranties

Limitation of Liability

No guarantee of outcome: We cannot guarantee the removal of any specific item or any particular score outcome. Results vary by individual credit history and bureau/furnisher responses.

“As is” basis: The Services and website are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied.

Termination & Amendment

Amendment: We may revise these Terms from time to time to reflect changes in our practices or the law. We will post revisions on this page with an updated effective date. Your continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

Termination: These Terms of Use are effective until terminated by either you or us. You may terminate these Terms of Use prospectively at any time by discontinuing your access to and use of the Website.

Applicable Law and Disputes

These Terms of Use will be governed by the laws of the United States of America and the State of Washington. Any dispute relating in any way to your visit to the Website or to products you purchase through the Website shall be submitted to confidential binding arbitration in Washington, United States of America.

Electronic Communications

When you visit the Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically.

Contact Information

If you have any questions about this Privacy Policy, our privacy practices, or to exercise your privacy rights please contact us:

Effective Date: November 6, 2025