Effective Date: 2/17/2026
Welcome to 850 Club Credit (“Company,” “we,” “us,” or “our”). By accessing our website, purchasing our products, enrolling in our programs, or using our services (collectively, the “Services”), you agree to these Terms and Conditions.
If you do not agree, do not use our Services.
1. No Financial, Legal, or Tax Advice
850 Club Credit provides educational information, strategy guidance, and credit analysis services. We do not provide legal, tax, or financial advice.
All information is for educational purposes only. You are responsible for your own financial decisions. Results are not guaranteed.
2. Eligibility
You must be at least 18 years old to use our Services. By using our Services, you confirm you are legally able to enter into a binding agreement.
3. Payments & Refund Policy
All purchases are subject to the pricing presented at the time of checkout.
Unless otherwise stated:
- Digital products are non-refundable.
- Custom Credit Game Plans are non-refundable once delivered or work has begun.
- Membership subscriptions may be canceled at any time but are non-refundable for the current billing cycle.
We reserve the right to refuse service or cancel accounts at our discretion.
4. SMS Communications & Carrier Liability Disclaimer
By providing your phone number and opting in, you consent to receive text messages from 850 Club Credit.
You may receive:
Transactional Messages
Account notifications, service updates, reminders, and administrative communications related to your use of our services.
Marketing & Promotional Messages
Promotional offers, product updates, educational content, and announcements. Message frequency may vary. Message & data rates may apply. Reply HELP for assistance. Reply STOP to opt out at any time.
Consent to receive marketing text messages is not required to purchase goods or services.
You are responsible for ensuring that your mobile number is accurate and up to date. If your number changes, you agree to notify us immediately.
Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. 850 Club Credit is not responsible for any delays, delivery failures, or technical issues related to mobile carrier services, wireless network coverage, phone compatibility, or other factors outside of our control.
We are not responsible for any charges imposed by your mobile carrier, including message and data rates.
SMS services may not be available on all carriers or devices.
5. Account Responsibility
If you create an account, you are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized use of your account.
We are not liable for losses resulting from unauthorized access to your account.
6. Intellectual Property
All content, materials, videos, strategies, documents, branding, systems, frameworks, and proprietary processes (including Custom Credit Game Plans and related materials) are the intellectual property of 850 Club Credit.
You may not:
- Copy
- Reproduce
- Distribute
- Resell
- Share
- Reverse engineer
any materials without written permission.
Violation may result in legal action.
7. No Guarantees
We do not guarantee:
- Specific credit score increases
- Loan approvals
- Interest rate changes
- Funding approvals
- Financial outcomes
- Credit scoring and lending decisions are determined by third-party lenders and credit bureaus.
Your results depend on your individual credit profile, financial behavior, and external factors beyond our control.
8. Limitation of Liability
To the maximum extent permitted by law, 850 Club Credit shall not be liable for:
- Indirect or consequential damages
- Loss of profits
- Financial losses
- Credit denials
- Decisions made by lenders
Our total liability shall not exceed the amount paid by you for the specific service in dispute.
9. Indemnification
You agree to indemnify and hold harmless 850 Club Credit and its affiliates from any claims, damages, liabilities, or expenses arising from:
Your misuse of our Services
Your violation of these Terms
Your violation of any law or third-party rights
10. Third-Party Links & Services
Our Services may contain links to third-party websites or services. We are not responsible for their content, policies, or practices.
Use of third-party services is at your own risk.
11. Privacy
Your use of our Services is also governed by our Privacy Policy. By using our Services, you agree to the collection and use of information as described in that policy.
12. Termination
We reserve the right to suspend or terminate your access to Services at our discretion, without notice, if you violate these Terms.
13. Governing Law
These Terms shall be governed by the laws of the State of Illinois, without regard to conflict of law principles.
Any disputes shall be resolved in the appropriate courts located in Illinois.
14. Changes to These Terms
We may update these Terms at any time. Continued use of the Services after updates constitutes acceptance of the revised Terms.
15. Contact Information
850 Club Credit
Email: [email protected]