Website Terms of Use

Last Updated: April 21, 2026

INTRODUCTION

Welcome to Solid Credit! These Website Terms of Use ("Terms") govern your access to and use of the website located at www.solidcredit.com (the "Site") and our mobile application (the "App"), operated by Solid Credit, Inc., a Delaware corporation ("Solid Credit," "Company," "we," "us," or "our").

By accessing or using our Site or App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our Site or App. The Services are designed and intended only for residents of the United States.

If you create an account with Solid Credit, you will also be required to agree to our Client Service Agreement, which governs your use of our credit health services (“Services”).

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR RIGHTS, INCLUDING AN ARBITRATION AGREEMENT IN SECTION 11 (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.

1. ELIGIBILITY TO USE THIS SITE

1.1 General Access

To use our Site and App, you must be:

At least 18 years of age
A resident of the United States

You certify that you are at least 18 years or older. If you do not meet these requirements, you may not use our Site or App.

1.2 Account Registration and Security

To access our credit health services, you must create an account and agree to our Client Service Agreement, which is available to you during registration. Additional eligibility requirements apply to account holders. You must provide accurate, current, and complete account registration information and keep it updated. We may suspend or terminate your account if we reasonably believe your information is false or incomplete. You are solely responsible for maintaining the confidentiality of your credentials and for all activity under your account. Do not share your login information with any third party. Notify us immediately of any unauthorized use or security breach. We may disclose account or usage information when required by law or to protect our rights or customers.

2. INFORMATIONAL PURPOSES ONLY

2.1 Educational Content

The content on our Site and App, including articles, guides, calculators, tools, and other materials, is provided for general informational and educational purposes only.

2.2 Not Professional Advice

Nothing on our Site or App constitutes:

Legal advice
Financial advice
Investment advice
Tax advice
Credit counseling
Credit repair services
Any other professional advice

You are encouraged to consult a qualified professional for advice specific to your situation.

2.3 No Guarantees

We do not guarantee that the information on our Site or App is accurate, complete, current, or error-free. We may update content at any time without notice. Any reliance you place on such information is strictly at your own risk.

3. INTELLECTUAL PROPERTY

3.1 Our Ownership

All content on our Site and App, including but not limited to text, graphics, logos, icons, images, audio, video, software, data compilations, and the compilation thereof (collectively, "Content"), is the exclusive property of Solid Credit or our licensors and is protected by trade dress, copyright, trademark, moral rights, all other laws related to intellectual property of the United States and foreign jurisdictions.

All trademarks, service marks, and trade names of Solid Credit used on the Site and App, or in Content (collectively “Marks”) are trademarks or registered trademarks of Solid Credit, Inc. or our affiliates, partners, vendors, or licensors in the United States or You may not use, copy, reproduce, republish, upload, post, transmit, distribute, or modify these Marks without our prior written permission.

3.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Access and use our Site and App for the personal, non-commercial purpose for which we make it available.
Download or print Content for your personal use, provided you keep all copyright and proprietary notices intact.

3.3 Restrictions

You may NOT:

Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, sell, resell, or otherwise exploit any Content or aspect of the Site and App without express written consent;
Make derivative use of the Site, App, or Content;
Remove, alter, or obscure any copyright, trademark, or other proprietary notices;
Use our trademarks, logos, or service marks without permission;
Use any meta tags or other hidden text utilizing our trademarks without permission;
Use any Content for commercial purposes without our express written consent;
Download or copy account information for the benefit of a third party;
Collect and use any content, including product listings, descriptions, or prices;
Use any robot, spider, scraper, or other automated means to access the Service for any purpose without our express written permission;
Take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure;
Interfere or attempt to interfere with the proper working of the Site or App or any activities conducted on the Site or App;
Probe, scan, or test the vulnerability of our systems or networks;
Frame or mirror any part of our Site or App without our prior written consent;
Attempt to gain unauthorized access to systems, servers, or accounts;
Bypass any measures we may use to prevent or restrict access to the Service; or
Use the Service or Content in connection with the training of machine learning or a neural network, deep learning or artificial intelligence system or software.

Any unauthorized use automatically terminates the permissions and licenses granted to you by us.

3.4 User Feedback and Submissions

If you provide us with any feedback, suggestions, ideas, or other submissions, including without limitation ideas for new products, technologies, promotions, product names, product feedback, and product improvements, regarding our Site, App, or services ("Feedback"), you agree that: (a) such Feedback is non-confidential and non-proprietary; (b) we are free to use, reproduce, modify, share, distribute, and commercialize such Feedback without restriction and without any obligation or compensation to you; and (c) you irrevocably assign to us all right, title, and interest in such Feedback.

4. USER CONDUCT

4.1 Acceptable Use

You agree to use our Site and App only for lawful purposes and in accordance with these Terms.

4.2 Prohibited Activities

You agree NOT to:

Use the Site or App for any illegal, unauthorized, or fraudulent purposes;
Violate the rights of others, including privacy rights, such as through unlawful tracking, monitoring, or identification of other users;
Introduce viruses, trojans, worms, malware, or other harmful code

Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity
Collect or harvest information about other users without their consent
Interfere with any other user's use and enjoyment of our Site or App
Use our Site or App to distribute, publish, or facilitate unsolicited communications, promotions, spam, chain letters;
Intentionally spread disinformation or engage in deception;
Use our Site or App to advertise or solicit without our prior written consent.

You are responsible for any breach of these Terms by any user accessing the Site or App through your account.

5. THIRD-PARTY LINKS AND CONTENT

5.1 Third-Party Links

Our Site and App may contain links to third-party websites, services, or resources. If you use these links, you will leave the Site or App. These links are provided for your convenience only. We do not control, endorse, or assume any responsibility for the content, products, privacy policies, or practices of linked sites.

5.2 Third-Party Content

We may display content from third parties, including advertisements, partner offers, and educational resources. We are not responsible for the accuracy, reliability, or completeness of third-party content, nor for any transactions you enter into with third parties.

5.3 Your Responsibility

Your interactions with third parties found on or through our Site or App are solely between you and the third party. You should review the applicable third-party terms, conditions, and privacy policies before engaging with them. We are not liable for any loss or damage arising from any such interactions. If you access any other websites linked to or from the Site or App, you do so entirely at your own risk.

6. Suspension and Termination

You or we may suspend or terminate your account or your use of the Site and App at any time, for any reason or for no reason, with or without prior notice. You are personally liable for any charges incurred through your account prior to termination. We may also block your access to the Site and App in the event that you (a) breach these Terms; (b) we are unable to verify or authenticate any information you provide us; (c) we believe your actions may cause financial loss or legal liability for you, our users, or us. If your account is terminated we may delete data (unless we are required by law to keep it, return it, or transfer it to you or a third party identified by you). As a result, you may no longer be able to access any part of the Site and App.

We reserve the right, in our sole discretion, to:

Monitor use of our Site and App for compliance with these Terms;
Remove or refuse to post any content for any or no reason;
Take any action we deem necessary to protect our Site, App, users, or the public.

7.1 When You Provide Your Contact Information

If you provide us with your email address, phone number, or other contact information through our Site or App (for example, by signing up for a newsletter, submitting a contact form, or requesting information), you consent to receive electronic communications from us at the contact information you provide. These communications may include responses to your inquiries, informational content, and promotional messages about our services which you may receive through email, SMS, or push notifications.

7.2 Marketing Communications

You may opt out of promotional emails at any time by clicking the "unsubscribe" link in any marketing email. If you provide your mobile phone number and consent to receive marketing text messages, you may opt out at any time by replying STOP. Opting out of marketing communications does not affect any transactional or service-related messages for which you have separately consented.

7.3 Account Holders

If you create a Solid Credit account, your consent to electronic communications will be governed by the E-Sign Consent and Client Service Agreement, which contain more detailed terms regarding electronic delivery of agreements, disclosures, and account communications.

8 DISCLAIMERS

8.1 "AS IS" Basis

OUR SITE AND APP, AND ALL CONTENT, INFORMATION, MATERIALS, AND SERVICES PROVIDED ON OR THROUGH THEM, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. NEITHER SOLID CREDIT NOR ANY OF ITS AFFILIATES WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT, INFORMATION, MATERIALS, OR SERVICES PROVIDED ON OR THROUGH THE SITE OR APP, AND NEITHER SOLID CREDIT NOR ANY OF ITS AFFILIATES ASSUMES ANY DUTY TO UPDATE SUCH CONTENT, INFORMATION, MATERIALS, OR SERVICES. THE FOREGOING EXCLUSIONS OF IMPLIED WARRANTIES DO NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW. PLEASE REFER TO YOUR LOCAL LAWS FOR ANY SUCH PROHIBITIONS.

8.2 No Warranty of Availability

YOU ACKNOWLEDGE THAT COMPUTER AND TELECOMMUNICATIONS SYSTEMS ARE NOT FAULT-FREE AND THAT OCCASIONAL PERIODS OF DOWNTIME OCCUR. WE DO NOT WARRANT THAT OUR SITE OR APP WILL BE: (A) UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) FREE OF VIRUSES, WORMS, OR OTHER HARMFUL COMPONENTS; (C) ACCURATE, COMPLETE, RELIABLE, OR CURRENT; (D) FREE FROM RISK OF CONTENT LOSS; OR (E) COMPATIBLE WITH YOUR DEVICE, BROWSER, OR OPERATING SYSTEM. WE DO NOT GUARANTEE ANY CONNECTION TO OR TRANSMISSION FROM ANY COMPUTER NETWORK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM SOLID CREDIT OR THROUGH THE SITE OR APP WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

8.3 No Credit Repair

Solid Credit is not a credit repair organization, credit repair company, debt adjustment company, or credit counseling agency. Any educational content, tools, or resources provided through our Site or App are for informational purposes only and should not be construed as credit repair services.

8.4 Your Assumption of Risk

YOUR USE OF OUR SITE AND APP IS AT YOUR SOLE RISK. YOU ARE SOLELY RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND SAFEGUARDS TO PROTECT YOUR DEVICES AND DATA, AND FOR ANY COSTS ASSOCIATED WITH SERVICING YOUR EQUIPMENT.

9. LIMITATION OF LIABILITY

9.1 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.

9.2 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.

9.3 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.

9.4 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.

9.5 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.

10. 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.

11. 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.

11.1 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.

11.2 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.

11.3 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 11.6 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.

11.4 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.

11.5 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.

11.6 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.

11.7 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.

11.8 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.

11.9 Interpretation and Enforcement

With the exception of Section 11.6 (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 11.6 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.

11.10 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.

12. CALIFORNIA RESIDENTS

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other California consumer protection laws. Please see our Privacy Policy for information about how we collect, use, and disclose your personal information and how to exercise your rights.

Under California Civil Code Section 1789.3, California users of the Site and App are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.

13. ACCESSIBILITY

Solid Credit is committed to ensuring that our Site and App are accessible to individuals with disabilities. If you experience difficulty accessing any part of our Site or App, please contact us at support@solidcredit.com, and we will work with you to provide the information or service you need in an accessible format.

14. PRIVACY

Your privacy is important to us. Please review our Privacy Policy, which describes how we collect, use, disclose, and protect your personal information. By using our Site or App, you consent to our collection and use of information as described in our Privacy Policy.

15. MODIFICATIONS

15.1 Changes to Terms

We may modify these Terms at any time at our sole discretion. When we make material changes:

We will post the updated Terms on our Site and App;
We will update the "Last Updated" date at the top of these Terms;

15.2 Your Acceptance

Your continued use of our Site or App after any changes become effective constitutes your binding acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using our Site and App and delete your account.

15.3 Changes to Site and App

We reserve the right to modify, suspend, or discontinue any feature, functionality, or part of our Site or App at any time, with or without notice, at our sole discretion. We shall not be liable to you or any third party for any such modification, suspension, or discontinuance. We encourage you to review the Terms from time to time to ensure you understand the terms and conditions that apply to your access to, and use of, the Site and App.

16. GENERAL PROVISIONS

16.1 Entire Agreement

These Terms, together with our Privacy Policy and (if applicable) Client Service Agreement, constitute the entire agreement between you and Solid Credit regarding your use of our Site and App and supersede all prior and contemporaneous agreements, proposals, and communications, whether oral or written.

16.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

16.3 Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision shall not constitute a waiver of such right or provision.

16.4 Assignment

You may not assign, transfer, or delegate these Terms or any of your rights or obligations hereunder without our prior written consent. We may assign these Terms or any rights or obligations hereunder without restriction and without notice to you.

16.5 No Third-Party Beneficiaries

These Terms do not confer any third-party beneficiary rights upon any person or entity except those described in Section 18 of these Terms.

16.6 Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, pandemics, government orders, labor disputes, infrastructure failures, internet or telecommunications outages, or cyberattacks.

16.7 Headings

Section headings are for convenience of reference only and shall not affect the interpretation of these Terms.

16.8 Survival

Sections 2, 3, 8, 9, 10, 11 and 16, along with any other terms which by their context ought to survive these Terms, shall survive any termination or expiration of these Terms.

17. DMCA Notice

If you believe content on our Site or App infringes your copyright, please send a notice to legal@solidcredit.com containing:

Your physical or electronic signature
Identification of the copyrighted work claimed to be infringed
Identification of the material claimed to be infringing and its location on the Site or App
Your contact information (address, telephone number, email)
A statement of good faith belief that the use is not authorized by the copyright owner, its agent, or the law
A statement under penalty of perjury that the information is accurate and you are authorized to act on behalf of the copyright owner

18. Apple Disclaimer

The following applies to any part of the Site or App you acquire from an electronic store branded, owned, or controlled by Apple or any affiliate of Apple (“App Store-Sourced Software”):

You acknowledge and agree that these Terms are solely between you and Solid Credit, not Apple, and that Apple has no responsibility for the App Store-Sourced Software or content thereof. Your use of the App Store-Sourced Software must comply with the Apple Media Services Terms and Conditions and the Volume Content Terms. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App Store-Sourced Software. In the event of any failure of the App Store-Sourced Software to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App Store-Sourced Software to you; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App Store-Sourced Software, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be solely governed by these Terms and any law applicable to Solid Credit as provider of the software. You acknowledge that Apple is not responsible for addressing any claims of you or any third party relating to the App Store-Sourced Software or your possession and/or use of the App Store-Sourced Software, including, but not limited to: (a) product liability claims; (b) any claim that the App Store-Sourced Software fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation; and all such claims are governed solely by these Terms and any law applicable to Solid Credit as provider of the software. You acknowledge that, in the event of any third-party claim that the App Store-Sourced Software or your possession and use of that App Store-Sourced Software infringes that third party’s intellectual property rights, Apple will not be responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim. You and Solid Credit acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these Terms as relates to your license of the App Store-Sourced Software, and that, upon your acceptance of the terms and conditions of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms as relates to your license of the App Store-Sourced Software against you as a third-party beneficiary thereof. You must comply with applicable third party terms of agreement when using the App Store-Sourced Software. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

19. Google Play Disclaimer

The following applies to any part of the Service you acquire from an electronic store branded, owned, or controlled by Google or any affiliate of Google (“Google Play-Sourced Software”):

You acknowledge and agree that these Terms are solely between you and Solid Credit, not Google Play, and that Google Play has no responsibility for the Google Play-Sourced Software or content thereof, nor liability whatsoever under these Terms. You acknowledge that Google Play has no obligation whatsoever to furnish any maintenance and support services with respect to the Google Play-Sourced Software. You must contact Solid Credit concerning any defects or performance issues in the Google Play-Sourced Software.

20. CONTACT US

If you have questions about these Terms, please contact us:

Solid Credit, Inc.

Email: legal@solidcredit.com

Mailing Address: Solid Credit, Inc. 234 Fifth Ave., Suite 505, New York, NY 10001