Terms and Conditions for Platinum Credit & Financial Services

Last Updated: April 8, 2026

Welcome to Platinum Credit & Financial Services (“Platinum Credit,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our credit and financial services. By subscribing to or using our services, you (“Client,” “you,” or “your”) acknowledge that you have read, understood, and agreed to be bound by these Terms.

1. Services Overview

Platinum Credit & Financial Services provides subscription-based credit and financial solutions, including credit repair, financial consulting, and related services. All services are provided on a best-effort basis. Results may vary based on individual credit history, financial behavior, and external factors. We do not guarantee specific credit score improvements or financial outcomes.

2. Subscription Terms

Auto-Renewal:

All subscription plans operate on a recurring billing cycle and automatically renew unless canceled in writing at least 30 days prior to the next billing date.

Billing Authorization:

By subscribing, you authorize Platinum Credit to automatically charge your designated payment method until cancellation. You agree to maintain a valid payment method at all times.

Failure to Pay:

If payment fails, services may be paused or terminated immediately. We reserve the right to recover unpaid amounts through collection efforts, including administrative or legal fees.

3. Cancellation Policy

To cancel, provide written notice to [email protected]

or call +1 855-916-3555 at least 30 days prior to your next billing cycle.

Cancellations made after this period apply to the following cycle.

No cancellations via text, social media, or verbal request will be accepted.

No pro-rated refunds will be issued.

4. Refund Policy

No Refunds:

All payments are non-refundable, including for partially used periods or after service commencement.

Chargebacks Prohibited:

Unauthorized chargebacks are considered a breach of contract. We reserve the right to pursue recovery, including legal fees and interest.

5. Client Responsibilities

You agree to:

Provide accurate and up-to-date personal and financial information.

Maintain access to accounts, credit reports, or documentation required for service performance.

Avoid actions that may compromise credit repair efforts or violate applicable laws.

Failure to comply may delay results and does not entitle you to refunds or credits.

6. Intellectual Property & Confidentiality

All materials, strategies, reports, and methods provided by Platinum Credit remain our property unless explicitly transferred in writing. Clients receive a limited, non-transferable license for internal business or personal use. You agree not to share, copy, or replicate proprietary content.

7. Limitation of Liability

Platinum Credit is not liable for:

Indirect, incidental, or consequential damages, including lost opportunity or financial loss.

Changes in credit bureau reporting or policies.

Actions by third parties affecting your results.

Our total liability will not exceed the total amount paid in the 90 days preceding a claim.

8. Performance Disclaimer

Credit improvements and financial results vary. No specific guarantee is made regarding:

Credit score increases

Loan approvals

Debt resolution timelines

All services are provided “as is” and “as available.”

9. Indemnification

You agree to indemnify Platinum Credit, its employees, and affiliates from any claims or expenses arising from:

Breach of these Terms

Misuse of services

Violation of laws or third-party rights

10. SMS Communications

By providing your phone number through our website or opt-in forms, you consent to receive SMS messages from Platinum Credit & Financial Services regarding:

Service updates

Credit alerts or reminders

Marketing messages

Opt-Out: Reply STOP to any message to unsubscribe. Message and data rates may apply. Message frequency varies.

11. Age Requirement

By using our website and services, you confirm that you are at least 18 years old.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Florida. Disputes will be resolved through binding arbitration administered by the American Arbitration Association. You waive rights to class actions or jury trials.

12: Opt-Out Instructions

You can stop receiving SMS messages from Platinum Credit & Financial Services at any time by replying STOP to any message you receive.

After sending STOP, you will receive a confirmation message.

Once confirmed, you will no longer receive marketing or service messages unless you opt in again.

For further assistance, you may contact us at [email protected]

or call +1 855-916-3555.

Note: Standard message and data rates may apply depending on your carrier and plan.

13: SMS Program Description and Messaging Use Cases

Program Overview:
Platinum Credit & Financial Services operates an SMS messaging program to communicate important service updates, reminders, and promotional content to clients who have opted in. This program is intended to provide timely, relevant, and secure information regarding credit and financial services, helping clients manage accounts, track progress, and stay informed about offers.

Messaging Use Cases:

Service Updates: Notifications about account activity, credit report progress, or financial consultations. Reminders for upcoming appointments or required documentation.

Credit Alerts and Reminders: Notifications regarding credit score updates or milestones. Payment or action reminders related to credit repair or financial plans.

Marketing and Promotions: Updates about new products, services, or special offers. Educational content, tips, or announcements relevant to credit and financial management.

Opt-In and Consent:

Clients provide their phone number through website forms, phone calls, or other opt-in methods.

By opting in, clients consent to receive SMS messages related to the above use cases.

Opt-Out:

Clients may stop receiving messages at any time by replying STOP.

After confirmation, no further messages will be sent unless the client opts back in.

Message Frequency:

Varies depending on service usage, account activity, and marketing campaigns.

Message and data rates may apply based on carrier and mobile plan.

Carrier Liability Disclaimer:

Mobile carriers are not responsible for delayed or undelivered messages.

14. Contact Information

Platinum Credit & Financial Services

Phone number: 662-889-5282

Email: [email protected]