Client Service Agreement

Effective Date: August 6, 2026

IMPORTANT NOTICES — PLEASE READ CAREFULLY

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR RIGHTS, INCLUDING AN ARBITRATION AGREEMENT IN SECTION 16 (DISPUTE RESOLUTION). THE ARBITRATION AGREEMENT REQUIRES MOST DISPUTES BETWEEN US TO BE SUBMITTED TO ARBITRATION, ELIMINATES YOUR ABILITY TO PURSUE DISPUTES AS PART OF A CLASS OR GROUP, AND WAIVES YOUR RIGHT TO A TRIAL IN COURT AND BY A JURY.

SOLID CREDIT IS NOT A CREDIT REPAIR ORGANIZATION, CREDIT REPAIR COMPANY, DEBT ADJUSTMENT COMPANY, OR CREDIT COUNSELING AGENCY. WE PROVIDE EDUCATIONAL TOOLS, RESOURCES, AND TECHNOLOGY-ENABLED SERVICES TO HELP YOU UNDERSTAND, MONITOR, AND MANAGE YOUR OWN CREDIT HEALTH. WE DO NOT HELP YOU IMPROVE YOUR CREDIT SCORE NOR DO WE GUARANTEE ANY SPECIFIC OUTCOME, THAT OUR SERVICES WILL IMPROVE YOUR CREDIT SCORE, OR GUARANTEE REMOVAL OF ANY ITEM FROM YOUR CREDIT REPORT AFTER USING OUR SERVICES. ANY ACTIONS TAKEN WITH RESPECT TO YOUR CREDIT ARE INITIATED AND CONTROLLED BY YOU.

1. PARTIES AND AGREEMENT

1.1 The Parties

This Client Service Agreement ("Agreement") is entered into between you ("Client," "you," or "your") and Solid Credit, Inc., a Delaware Corporation ("Solid Credit," "Company," "we," "us," or "our"), with its principal place of business at the mailing address listed in Section 17.

1.2 Acceptance

This Agreement is effective when you affirmatively accept it through the electronic consent mechanism presented during account creation (the "E-Sign Acceptance"). By completing the E-Sign Acceptance, you acknowledge that you have read, understood, and agree to be bound by this Agreement. This Agreement incorporates by reference our Website Terms of Use and our Privacy Policy. If you do not agree to this Agreement, do not complete the E-Sign Acceptance or create an account. Your use of our website and mobile application prior to account creation is governed solely by the Website Terms of Use and Privacy Policy.

1.3 This Agreement and Its Relationship to Other Agreements

This Agreement governs your use of Solid Credit's credit health services described herein (“Services”). The Services are designed and intended only for residents of the United States. Our Website Terms of Use govern your general use of our website and mobile application. Our Privacy Policy governs our collection, use, and disclosure of your personal information. In the event of a conflict, this Agreement controls with respect to the Services.

2. ELIGIBILITY

2.1 Requirements

To create an account and use our Services, you must:

  • Be at least 18 years of age or the age of majority in your jurisdiction;

  • Be a resident of the United States;

  • Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN);

  • Have a valid email address and agree to receive e-mail communications; and

  • Not have previously had an account terminated by Solid Credit for violations of this Agreement.

2.2 Acceptable Use

You agree that you will use your account and our Services for lawful purposes only. You agree that you will not engage in actions including, but not limited to:

  • Using the Services for any unlawful purpose

  • Attempting to access another person's credit information

  • Using the Services on behalf of someone else

  • Uploading falsified or altered documents

  • Interfering with or disrupting the Services

  • Attempting to reverse engineer or exploit the Services or the Solid Credit platform

  • Using automated systems to access the Services without authorization

Should we determine, in our sole discretion, that you are engaging in or attempting to engage in these, or similar, actions, we have the right to terminate your account and your use of our Services. See Section 10.5 for details.

2.3 Accuracy of Information

You represent and warrant that all information you provide during account creation and throughout your use of our Services is truthful, accurate, current, and complete. You agree to promptly update your information if it changes.

2.4 One Account Per Person

You may only create and maintain one (1) Solid Credit account. Multiple accounts for or created by the same individual are prohibited and may result in termination of your use of the Services.

2.5 Your Account Security

You are solely responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately at support@solidcredit.com if you suspect any unauthorized access to your account credentials or use of your account. You are responsible for all activity that occurs under your account.

3. DESCRIPTION OF SERVICES

3.1 Overview

Solid Credit provides technology-enabled and AI tools, resources, and educational services designed to help you understand, monitor, and manage your credit health (collectively, the "Services"). Solid Credit does not provide credit repair services. The Services are organized into tiers as described in Sections 3.2 through 3.4. All Services are subject to the disclaimers in Section 14 and the limitations described in Section 3.6. The tier-specific service description, price, billing frequency, automatic-renewal terms, and other material terms displayed and affirmatively accepted when you enroll or change tiers are incorporated into this Agreement and define the terms applicable to your selected tier. Later feature changes are governed by Section 3.5.

3.2 Free Tier Services

The free tier (“Free Tier”) is available at no charge and does not require a paid subscription. Services available with the Free Tier are described on our website at www.solidcredit.com/pricing.

3.3 Paid Subscription Services

Solid Credit may offer paid subscription tiers, bundles, or other paid subscription options (collectively, “Paid Subscriptions”). Paid Subscriptions require enrollment as described in Sections 4 and 5.

3.4 Current Paid Subscription Offerings

The Paid Subscriptions currently offered, including their names, Services, prices, billing frequencies, and free-trial availability and terms, are described on our Pricing Page at www.solidcredit.com/pricing and at subscription checkout.

3.5 Service Modifications

We reserve the right to modify, add, or remove features from any service tier at any time. If we make material changes that reduce the features or scope of features available with your selected tier, we will provide you with at least thirty (30) days' advance notice. If you have a paid subscription, you may cancel it without penalty before the changes take effect.

3.6 No Guarantee of Results; Important Limitations

YOU UNDERSTAND AND AGREE THAT:

  • Solid Credit is not a credit repair organization, credit repair company, debt adjustment company, credit counseling agency, or financial advisor. We provide educational tools and technology to assist you in understanding your own credit health.

  • Solid Credit does not advise you to dispute any specific item, how to dispute such an item, and does not determine whether any item should be disputed. Any decision to dispute information is made solely by you based on your own judgment.

  • Solid Credit does not guarantee any specific result, including any improvement to your credit score, removal of any item from your credit report, or any particular outcome from any action you take using the Services. This applies to all Services.

  • Credit scores and reports are maintained by third-party credit bureaus. We are not a credit reporting agency. We do not control the content of your credit reports or the calculation of your credit scores.

  • The accuracy and timeliness of credit information displayed through our Services depends on data provided by third-party credit bureaus, other data sources, or information you provide. Credit bureau data may contain errors or delays and such errors and delays are outside our control.

  • Any educational guidance, analysis, or recommendations provided by our Services are generated by automated technology for educational and informational purposes only. They do not constitute professional legal, financial, or credit counseling advice. You should independently verify any such information with qualified legal, financial, or credit counseling professionals before relying on it.

  • Solid Credit does not provide legal advice and does not act as a law firm. Nothing in the Services should be interpreted as legal advice.

  • Past results achieved by you or other users are not a guarantee of your results.

4. Fees and Pricing

4.1 Current Pricing

Current pricing is available on our Pricing Page at www.solidcredit.com/pricing and at subscription checkout. If the subscription fee for your selected Paid Subscription is set to increase, we will provide you with at least thirty (30) days' advance notice, and you may cancel your subscription without penalty before the changes take effect. The increased fee will apply no earlier than the first renewal occurring at least thirty (30) days after we provide notice.

4.2 Paid Subscription Enrollment

You may use the Free Tier without purchasing a Paid Subscription. To access a Paid Subscription, you must complete subscription checkout. Our Pricing Page and subscription checkout will display the selected Paid Subscription, subscription price, billing frequency, automatic-renewal terms, whether a free trial is offered and, if so, its material terms, whether and when a payment method is required, and any applicable taxes before you complete checkout.

If you provide a payment method in connection with a Paid Subscription, you authorize us to charge that payment method according to the timing and other terms displayed and affirmatively accepted at subscription checkout. Those terms may provide for an immediate first charge or a first charge after a free trial. Current free-trial availability is described on our Pricing Page. Any free trial, including its duration, conversion to a paid subscription, cancellation deadline, and first charge date, is governed by the terms displayed and affirmatively accepted at subscription checkout.

4.3 Subscription Term

Paid Subscriptions are offered on a monthly basis. Your Paid Subscription begins on the date stated at subscription checkout and continues for successive monthly renewal periods until you or we cancel it. If you cancel during a paid billing period, your Paid Subscription will remain active through the end of that billing period and will not renew. We provide no refunds for cancellations in the middle of a paid billing period, except as described in Sections 5.5 and 10.5.

4.4 Promotional Pricing

We may offer promotional pricing from time to time. Promotional pricing is temporary and will revert to standard pricing at the end of the promotional period, as disclosed at the time of the offer. Promotional pricing may be subject to additional terms and limitations stated on our website at the time you enroll in the promotion. Review the terms of the promotion for more information.

5. BILLING AND PAYMENT

5.1 Payment Authorization

The Free Tier does not carry a subscription fee. When you provide a payment method for a Paid Subscription, you authorize Solid Credit to charge that payment method for: (a) the subscription fee for your selected Paid Subscription and billing period; and (b) any applicable taxes.

5.2 Automatic Renewal

If you enroll in a subscription to access or use the Services, you are subscribing to an automatically renewing subscription requiring recurring payments at the stated frequency until you cancel. You can cancel using any method described in Section 10.2. If you provide a payment method, you authorize us to charge it for your first subscription fee and any applicable taxes on the date displayed and affirmatively accepted at subscription checkout, which may be immediately or after a free trial, and to charge subsequent subscription fees and applicable taxes when your subscription renews. Your subscription will automatically renew until you cancel your subscription or we terminate it. You can review your current subscription by visiting app.solidcredit.com/settings/subscription. We may change subscription terms or subscription fees at any time on a go forward basis at our sole discretion. In the event of an error, we reserve the right to correct the error and revise your purchase accordingly (which includes charging the correct price) or to cancel the purchase and refund any amount charged. Except as provided in Sections 5.5 and 10.5, to the extent required by law, or in our sole discretion, payments are nonrefundable.

5.3 Payment Methods

We accept major credit cards, debit cards, and other payment methods as displayed during checkout. You are responsible for keeping your payment information current.

5.4 Failed Payments

If a payment fails, we may:

  • Attempt to charge your payment method again

  • Notify you and request updated payment information

  • Suspend or downgrade your account to the Free Tier

  • Charge any past-due amounts when a valid payment method is provided

If you are enrolled in a Paid Subscription and you would like to switch to the Free Tier, your enrollment will update at the end of the current paid billing period. If you cancel during a free trial, the timing of your switch to the Free Tier is governed by the trial terms displayed and affirmatively accepted at subscription checkout.

5.5 No Refunds (With Limited Exceptions)

The cost of your subscription is generally non-refundable. However:

  • If we materially breach this Agreement or if the Services under your Paid Subscription are unavailable for an extended period, you may be entitled to a prorated refund for the unused portion of your current billing period

  • We may, in our sole discretion, offer refunds or credits on a case-by-case basis. Our provision of a refund in one case does not require us to do so in a subsequent case.

6.1 Social Security Number / ITIN

You authorize us to collect and use your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) solely for the purposes of verifying your identity and providing the Services. Your SSN or ITIN is encrypted and stored in accordance with industry security standards as described in our Privacy Policy.

6.2 Bank Account Access

Certain features may require you to link your bank account(s) through a third-party service provider (e.g., Plaid). By linking your bank account, you authorize the applicable third-party provider to access your bank account information in accordance with its terms and privacy policy. Solid Credit does not store your bank account login credentials. Details on the services that require access to your bank account are available in our app, on our website, and in our Account Data Usage Authorization and our Privacy Policy.

By creating an account, you consent to receive electronic communications from Solid Credit, including:

  • Account notifications and alerts

  • Credit monitoring alerts

  • Updates and announcements regarding the Services

  • Marketing and promotional communications (from which you may opt-out)

  • Legal notices and disclosures

You agree that electronic communications satisfy any legal requirement for written communications.

If you gave us your mobile phone number, you expressly:

  • Verify that the mobile phone number you provided is true and accurate, and that you are the current subscriber or owner of the mobile phone number

  • Agree to receive from or on behalf of Solid Credit at the provided mobile phone number recurring autodialed SMS (text) messages concerning your relationship with Solid Credit, including, but not limited to, Service notifications and an SMS message to verify your identity before registering your mobile phone number.

Your consent is not required to use the Services or to interact with Solid Credit. While you consent to receive messages sent using an autodialer, the foregoing shall not be interpreted to suggest or imply that any or all of Solid Credit’s SMS messages are sent using an autodialer. Data or messaging rates may apply. If you have any questions about your SMS messaging or data plan, it is best to contact your mobile phone carrier. Not all mobile devices, handsets, or carriers may be supported and our SMS messages may not be deliverable in all areas. Solid Credit and the mobile phone carriers are not liable for delayed or undelivered SMS messages.

If you do not wish to continue receiving SMS messages or no longer agree to the terms of this Section, you agree to reply “STOP”, “QUIT”, “END”, “REVOKE”, “OPT-OUT”, “CANCEL”, or “UNSUBSCRIBE” to any SMS message from Solid Credit to opt out of receiving SMS messages. You may receive an additional mobile message confirming your decision to opt out, as well as instructions on how to reactivate receiving SMS messages.

For support or to request additional information regarding SMS messages, text “HELP” to (815) 765-4327 or email support@solidcredit.com.

By receiving SMS messages, you acknowledge and agree that you are not under the age of 18. Any mobile phone number that you provide us and/or consent you provide to receive recurring autodialed SMS messages related to the SMS messages will not be shared with or transferred to any third parties for marketing or promotional purposes. If you have any questions regarding how Solid Credit collects, uses, shares, and protects your mobile phone number and other information, please refer to our Privacy Policy.

7. YOUR RIGHTS UNDER FEDERAL LAW

7.1 Fair Credit Reporting Act (FCRA)

Under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), you have the right to:

  • Obtain a free copy of your credit report annually from each of the three major credit bureaus by visiting www.annualcreditreport.com

  • Dispute inaccurate or incomplete information directly with the credit bureaus or the furnisher of the information

  • Have inaccurate information corrected or deleted from your credit report

  • Be notified if information in your credit file has been used against you

  • Place a fraud alert or security freeze on your credit file

You may exercise these rights on your own, free of charge, without any third-party assistance. The credit bureaus can be contacted directly:

8. AI-POWERED FEATURES

8.1 AI Assistant

We may use artificial intelligence (“AI”), machine learning, or automated tools to assist in providing, analyzing, or improving the Services. These tools may be used to generate or support certain outputs, recommendations, or content provided through the Services.

AI-assisted outputs are generated through automated processes and may not always be accurate, complete, or error-free. We do not guarantee the accuracy or reliability of AI-generated outputs, and users remain responsible for reviewing and evaluating any such outputs before relying on them.

We will use commercially reasonable measures to ensure that the use of AI tools is consistent with applicable privacy, confidentiality, and data protection obligations.

9. THIRD-PARTY SERVICES AND PARTNERS

9.1 Credit Data Providers

Our Services rely on credit data obtained from the three major credit bureaus (Equifax, Experian, and TransUnion) either directly or through authorized resellers and data intermediaries. We are not responsible for the accuracy, completeness, or timeliness of data provided by credit bureaus or their authorized resellers and data intermediaries. Credit data may be delayed, incomplete, or may differ from data you obtain directly from the credit bureaus.

9.2 Third-Party Service Providers

We use third-party service providers for various functions, including payment processing, identity verification, bank account linking, and data analytics. Your use of our Services may be subject to the terms and policies of these providers, as applicable.

9.3 AI Service Providers

We use third-party artificial intelligence service providers to power the AI-powered features described in Section 8. These providers process your data solely to deliver Services to you on our behalf. We select and oversee our AI service providers, but we do not control the underlying models or their outputs. See Section 8 for applicable limitations and disclosures, and our Privacy Policy for information about how your data is handled.

10. TERM AND TERMINATION

10.1 Term

This Agreement begins when you create your Solid Credit account and continues until terminated by either party as described herein.

10.2 How to Cancel Your Subscription

You may cancel your subscription at any time by:

  • Canceling through your account settings on our website or mobile application

  • Emailing support@solidcredit.com

  • Calling (815) 765-4327

  • Mailing written notice to the mailing address listed in Section 17

If you cancel during a paid billing period, your Paid Subscription will remain active through the end of that billing period, after which your account will be downgraded to the Free Tier. You will not be charged for subsequent billing periods. If you cancel during a free trial, the timing of your downgrade and any charge are governed by the trial terms displayed and affirmatively accepted at subscription checkout. Canceling your Paid Subscription does not close your account or terminate this Agreement.

10.3 Account Closure

You may close your account entirely at any time through your account settings or by sending written notice to Solid Credit at support@solidcredit.com. Closing your account constitutes termination of this Agreement. Upon account closure:

  • All Services will cease immediately

  • We will delete your data in accordance with our Privacy Policy and applicable law (certain data may be retained as required by law)

Survival of obligations upon termination is governed by Section 10.6.

10.4 Inactive Accounts

If your account is inactive for an extended period, as determined by Solid Credit in its sole discretion, we may, with or without prior notice: (a) suspend or limit access to some or all features and Services associated with your account; or (b) terminate your account as described in Section 10.5. We will attempt to notify you at the email address associated with your account before taking action under this Section, but failure to provide notice shall not affect our right to do so. You may reactivate a suspended account by logging in and, if applicable, re-verifying your identity. Reactivation of a closed account is not guaranteed and may require you to create a new account subject to the then-current version of this Agreement.

10.5 Termination by Solid Credit

We may suspend or terminate your account and access to the Services at any time with cause, including if:

  • You violate this Agreement

  • You provide inaccurate, fraudulent, or misleading information

  • You engage in an action that we find to be illegal or otherwise unacceptable per Section 2.2

  • We are required to do so by law

  • We discontinue the Services or any feature thereof

  • Your account is inactive for an extended period

We may also suspend or terminate access to specific features while investigating potential violations.

Additionally, we reserve the right to suspend, withdraw, amend or terminate your account and access to the Services in our sole discretion and at any time without cause. We will not be liable if for any reason all or any part of your account or the Services is terminated or unavailable at any time or for any period.

Termination of your account by Solid Credit constitutes termination of this Agreement.

If we terminate your paid subscription without cause, you will receive a prorated refund for the unused portion of your current billing period. If we terminate your account for cause, or if you voluntarily cancel your subscription or close your account, no prorated refund will be issued for the unused portion of your current billing period. You are personally liable for any charges incurred through your account prior to termination.

10.6 Effect of Termination

Upon termination, Sections 1, 3.6, 5.5, 7, 10, 11-17 shall survive, together with any other provisions that by their nature are intended to survive termination.

11. GOVERNING LAW

This Agreement and any claim, controversy, dispute, or cause of action (whether in contract or tort or otherwise) based upon, arising out of, or relating to this Agreement and the transactions contemplated hereby shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles, except to the extent preempted by federal law (including the Federal Arbitration Act).

12. INTELLECTUAL PROPERTY

12.1 Our Ownership

All intellectual property in and relating to the Services, including but not limited to, software, algorithms, user interfaces, Content, trademarks, and trade secrets, is the exclusive property of Solid Credit or its licensors and is protected by the United States copyright, trademark, patent, trade secret, and other intellectual property and proprietary rights laws.

12.2 Limited License

Subject to this Agreement, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial credit health management purposes. No right, title, or interest in or to the Services is transferred to you, and all rights are reserved by us. Any use of the Services not expressly permitted by this Agreement is a breach of this Agreement and may violate copyright, trademark, and other laws.

12.3 Restrictions

You may not: (a) copy, modify, distribute, sell, or lease any part of the Services; (b) reverse engineer or attempt to extract the source code of the Services; (c) use the Services to build a competing product; or (d) use automated means to access the Services.

12.4 Your Content

You retain ownership of information and content you provide to us. By providing content, you grant us a license to use it as necessary to provide the Services.

13. GENERAL PROVISIONS

13.1 Entire Agreement

This Agreement incorporates by reference the Website Terms of Use and Privacy Policy as though fully set forth herein, including but not limited to any terms governing limitations of liability, warranties and representations, indemnification, dispute resolution, arbitration, and class action. This Agreement, together with the Website Terms of Use and Privacy Policy, constitutes the entire agreement between you and Solid Credit regarding the Services and supersedes all prior agreements and understandings. In the event of a disagreement between this Agreement and the Website Terms of Use, this Agreement shall govern with regard to the Services.

13.2 Severability

If any term or provision of this Agreement is found invalid, illegal, or unenforceable in any jurisdiction, it shall be modified to the minimum extent necessary. Such invalidity, illegality, or unenforceability shall not affect any other term or provision hereof and all remaining provisions shall remain in full force and effect.

13.3 Waiver

No failure or delay by Solid Credit in exercising any right shall constitute a waiver of that right.

13.4 Assignment

You may not assign this Agreement without our advance written consent. Solid Credit shall not be restricted in its ability to assign its rights under this Agreement. For example, we may assign this Agreement freely in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets. The provisions of this Agreement shall be binding upon and inure to the benefit of us and you and respective successors and assigns.

13.5 Notices

All legal notices to Solid Credit must be sent to legal@solidcredit.com or mailed to Solid Credit, Inc. at the mailing address listed in Section 17. Notices to you will be sent to the email address associated with your account. All notices and other communications under this Agreement shall be deemed given upon the first to occur of (i) transmittal by electronic means, including email, properly addressed; or (ii) actual receipt by a Solid Credit employee or agent of the other party.

13.6 Force Majeure

We are not liable for delays or failures caused by circumstances beyond our reasonable control, including natural disasters, war, terrorism, pandemics, government orders, labor disputes, infrastructure failures, internet outages, or cyberattacks.

13.7 No Third-Party Beneficiaries

This Agreement does not confer any third-party beneficiary rights.

13.8 Headings

Section headings are for convenience only and do not affect interpretation of this Agreement.

13.9 Construction

This Agreement shall not be construed against either party as the drafter.

14. LIMITATION OF LIABILITY

14.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SOLID CREDIT AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, SUCCESSORS, ASSIGNS AND ANY PARTY INVOLVED IN THE CREATION, PRODUCTION OR TRANSMISSION OF THE SITE OR APP SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR:

  • ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;

  • ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES;

  • ANY DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES, OUR SITE, OR APP;

  • ANY DAMAGES TO YOUR COMPUTER, TELECOMMUNICATIONS EQUIPMENT, OR OTHER PROPERTY ARISING FROM YOUR ACCESS TO, USE OF, OR BROWSING OF OUR SITE OR APP, OR YOUR DOWNLOADING OF ANY CONTENT FROM OUR SITE OR APP;

  • ANY DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA;

  • ANY DAMAGES ARISING FROM ANY CONTENT, CONDUCT, OR SERVICES PROVIDED BY ANY THIRD PARTIES INCLUDING THIRD-PARTY SERVICERS, THIRD-PARTY PARTNERS, CREDIT DATA PROVIDERS, AND AI SERVICE PROVIDERS;

  • ANY DAMAGES ARISING FROM ANY AI-GENERATED CONTENT OR RECOMMENDATIONS;

  • ANY DAMAGES ARISING FROM ANY CONTENT OBTAINED THROUGH OUR SITE OR APP;

  • ANY DAMAGES ARISING FROM ACCURACY OR INACCURACY OF CREDIT DATA OR CREDIT INFORMATION;

  • OTHER DAMAGES ARISING FROM OUR PERFORMANCE OF THE OBLIGATIONS OF THIS AGREEMENT.

WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THE FOREGOING LIMITATIONS OF LIABILITY DO NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW. PLEASE REFER TO YOUR LOCAL LAWS FOR ANY SUCH PROHIBITIONS.

14.2 Sole Remedy

IN THE EVENT OF ANY PROBLEM WITH OUR SITE, APP, OR ANY CONTENT, MATERIALS, INFORMATION, OR SERVICES PROVIDED THROUGH THEM, YOUR SOLE AND EXCLUSIVE REMEDY IS TO CEASE USING THE SITE AND APP.

14.3 Cap on Liability

UNLESS OTHERWISE REQUIRED BY LAW, IN NO EVENT SHALL SOLID CREDIT'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EXCEED ONE HUNDRED DOLLARS ($100). THESE LIMITATIONS APPLY EVEN IF ANY REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR IF WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF THE DAMAGES.

14.4 Basis of the Bargain

The limitations of liability set forth in this Section reflect a reasonable allocation of risk and are a fundamental element of the basis of the bargain between you and Solid Credit. Our Site and App would not be provided without such limitations.

14.5 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by applicable law.

15. INDEMNIFICATION

Unless prohibited by law, you agree to indemnify, defend, and hold harmless Solid Credit, its officers, directors, employees, agents, affiliates, subsidiaries, partners, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, demands, and expenses (including reasonable attorneys' fees and court costs) arising from, related to, or in connection with:

  • Your access to or use of our Services, Site or App;

  • Your violation of these Terms or any other agreement with Solid Credit;

  • Your violation of any third-party rights, including without limitation any right of privacy, publicity rights, or intellectual property rights;

  • Your violation of any applicable law, rule, or regulation of the United States or any other jurisdiction;

  • Any content, information, or materials you submit, transmit, or otherwise provide through our Service, Site, or App, including the content or accuracy of any dispute correspondence;

  • Any dispute or claim between you and a credit bureau, creditor, or other third party;

  • Any misrepresentation made by you;

  • Your breach of any representations or warranties set forth in these Terms or any other agreement with Solid Credit; or

  • Any other party’s access and use of the Services, Site or App with your unique username, password, or other appropriate security code.

Notwithstanding the foregoing, Solid Credit reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. Solid Credit will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

16. DISPUTE RESOLUTION BY BINDING ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND HOW CLAIMS THAT YOU AND SOLID CREDIT HAVE AGAINST EACH OTHER ARE RESOLVED. THIS SECTION IS DEEMED TO BE A "WRITTEN AGREEMENT TO ARBITRATE" PURSUANT TO THE FEDERAL ARBITRATION ACT. YOU AND SOLID CREDIT AGREE THAT THIS SECTION SATISFIES THE "WRITING" REQUIREMENT OF THE FEDERAL ARBITRATION ACT.

YOU ACKNOWLEDGE YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED BELOW.

16.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

16.2 Informal Resolution

If a claim arises, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Before initiating any legal or arbitral proceeding, you agree to contact us at legal@solidcredit.com to attempt an informal resolution. You must describe your concern and the specific relief you seek. We will endeavor to resolve the matter within sixty (60) days. Neither party may initiate a proceeding until the informal resolution process is complete.

16.3 Binding Arbitration

IF INFORMAL RESOLUTION FAILS, YOU AND SOLID CREDIT AGREE THAT ANY AND ALL DISPUTES, CLAIMS, OR CONTROVERSIES ARISING FROM OR RELATING TO THIS AGREEMENT, THE SERVICES, OR THE RELATIONSHIP BETWEEN YOU AND SOLID CREDIT AND THE REMEDY FOR RESOLUTION OF SUCH DISPUTES, CLAIMS, OR CONTROVERSIES SHALL BE RESOLVED SOLELY AND EXCLUSIVELY THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION, RATHER THAN IN COURT, PURSUANT TO THIS SECTION (the “ARBITRATION PROVISION”).

As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, including (except to the extent provided otherwise in Section 16.6 below) the validity or enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract, tort (intentional or otherwise); a constitution, statute, common law, or principles of equity, or otherwise. Claims include matters arising as initial claims, counter-claims, cross-claims, third-party claims, or otherwise. Please note that you may continue to assert Claims in small claims court if your Claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.

16.4 Applicability of the Federal Arbitration Act; Arbitrator’s Powers

This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act (the “FAA”). The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably protect confidential information.

16.5 Arbitration Procedures

Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by this Agreement.

BY AGREEING TO ARBITRATION, YOU AND SOLID CREDIT EACH WAIVE THE RIGHT TO A TRIAL BY JURY.

Arbitration will be conducted by a single neutral arbitrator selected in accordance with AAA Consumer Arbitration Rules, except to the extent the rules conflict with this Arbitration Provision or any countervailing law;

  • The arbitrator shall have the exclusive authority to resolve all disputes;

  • The arbitrator, and not any court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this arbitration agreement is void or voidable;

  • The arbitrator shall apply New York substantive law consistent with the Federal Arbitration Act (9 U.S.C. §§ 1-16);

  • The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction;

  • Payment of arbitration fees will be governed by the AAA Consumer Arbitration Rules; Solid Credit will pay all arbitration administration fees and arbitrator fees in excess of the amount you would pay to file in court if we elect arbitration. If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the AAA Consumer Arbitration Rules, or in accordance with countervailing law if contrary. We shall pay the administrator’s hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one (1) day will be paid by the party requesting the hearing, unless the AAA Consumer Arbitration Rules or applicable law require otherwise, or you request that we pay them and we agree to do so. Each party shall bear the expense of its own attorneys’ fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein;

  • Arbitration may be conducted in person in New York County, New York (or in the county of your primary residence if you prefer), by telephone, by video conference, or based on written submissions;

  • If you have any questions concerning the AAA or would like to obtain a copy of the AAA Consumer Arbitration Rules, you may call 1(800) 352-5267 or visit the AAA’s website at www.adr.org;

  • In the case of a conflict between the AAA Consumer Arbitration Rules and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the AAA Consumer Arbitration Rules apply.

16.6 Class Action Waiver

YOU AND SOLID CREDIT AGREE THAT NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT.

Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring Claims for or on behalf of more than one person or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the Claims in arbitration and shall not (a) determine the rights, obligations, or interest of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this Section, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. ANY CHALLENGE TO THE VALIDITY OF THIS CLASS ACTION WAIVER SHALL BE DETERMINED EXCLUSIVELY BY A COURT AND NOT BY THE ADMINISTRATOR OR ANY ARBITRATOR. IF THIS CLASS ACTION WAIVER IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION SHALL BE NULL AND VOID, AND ALL DISPUTES SHALL PROCEED IN COURT.

16.7 Batch Arbitration

If twenty-five (25) or more similar arbitration demands are filed against Solid Credit by the same law firm or coordinated group of law firms, the parties agree that the AAA Consumer Mass Arbitration Supplementary Rules shall apply, or if those rules do not apply, the arbitrator shall implement procedures to ensure the efficient resolution of claims, including the use of staged proceedings or bellwether cases.

16.8 Exceptions

Notwithstanding the foregoing, either party may:

  • Bring an individual action in small claims court for disputes within the court's jurisdictional limits, provided that such court does not have authority to entertain any claims on a class or representative basis;

  • Bring any dispute, cause of action, claim, or controversy relating to either party's intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents) in any court of competent jurisdiction;

  • Seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or to prevent imminent, irreparable harm pending arbitration.

16.9 Interpretation and Enforcement

With the exception of Section 16.6 (Class Action Waiver), if any part of this arbitration provision is deemed invalid, unenforceable, or illegal, or otherwise conflicts with the Applicable Rules, the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal, or conflicting provision were not contained herein. If, however, Section 16.6 is found to be invalid, unenforceable, or illegal, then the entirety of this arbitration provision shall be null and void, and neither you nor Solid Credit shall be entitled to arbitrate their dispute, and must instead bring any claims in a court of competent jurisdiction.

16.10 Survival

This arbitration agreement and class action waiver shall survive termination of these Terms and any other agreement between you and Solid Credit, and your use of our Site or App.

17. CONTACT US

If you have questions about this Agreement or our Services, please contact us:

Solid Credit, Inc.

General Support: support@solidcredit.com Legal/Privacy: legal@solidcredit.com

Principal Place of Business/Mailing Address: Solid Credit, Inc. 234 Fifth Ave., Suite 505, New York, NY 10001

© 2026 Solid Credit, Inc. All rights reserved.