Terms of Service

1. Agreement to These Website Terms

By accessing or using the JHL Credit Solutions website, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use the website.

These Terms govern use of the public website and related informational materials. They do not replace any separate client agreement, statutory disclosure, authorization, or Notice of Cancellation that may apply if you later choose to proceed with paid services.

2. Informational Purpose of the Website

Website content is provided for general informational and educational purposes. It is not legal advice, tax advice, or a substitute for individualized professional counsel.

Visiting the website or submitting a Credit Assessment does not by itself create a paid credit-restoration engagement. Submission of an assessment is a request for evaluation and consultation. Consumers remain free to decide whether to proceed after consultation.

3. About Our Services

JHL Credit Solutions is a customer-facing credit services business. We help consumers better understand their credit, evaluate their situation, explore appropriate options, and coordinate professional credit-restoration assistance when appropriate.

Consumers typically begin with a Credit Assessment and consultation. Pricing is individualized based on the consumer's credit profile and the scope of services recommended. Applicable services, scope, pricing, payment terms, required disclosures, cancellation rights, and other terms applicable to a paying client will be provided through separate client documentation.

JHL may coordinate technical credit-restoration fulfillment with an experienced credit restoration specialist or other service provider. When appropriate and authorized by the consumer, necessary information may be shared with that specialist. The specialist may communicate directly with the consumer regarding technical credit-file work, document needs, progress, responses, and next steps. JHL remains responsible for its own customer relationship, agreements, billing, and general customer service.

4. No Guarantees

JHL Credit Solutions does not guarantee any particular credit outcome, including:

• A particular credit-score increase
• Deletion of a particular account or tradeline
• Removal of accurate, current, and verifiable negative information
• Approval for a mortgage
• Approval for an automobile loan
• Approval for a credit card
• Approval for any other financing
• A particular interest rate
• A specific completion date
• Any other specific credit outcome

Results vary depending on the individual credit profile, the accuracy and verifiability of reported information, responses from consumer reporting agencies and furnishers, consumer participation, and other circumstances.

5. Pricing

The initial Credit Assessment is free and comes with no obligation. If you choose to proceed after consultation, pricing will be based on your individual credit profile and the scope of services recommended. Applicable pricing and service terms will be explained before you decide whether to proceed.

Detailed consumer payment terms, if any, will be contained in the applicable client agreement provided before services proceed. We do not publish a fixed credit-restoration price on this website, and we do not process consumer payments through the public website at this time.

6. Cancellation Rights

Consumers entering into applicable credit-services agreements have cancellation rights under applicable federal and state law and will receive the required cancellation disclosures with their client documents.

For Florida consumers, Florida law provides a right to cancel an applicable credit-services contract without penalty or obligation within five days from the date the contract is signed. Separately, the federal Credit Repair Organizations Act (CROA) generally provides a three-business-day cancellation right.

This website page is informational only and does not replace the required statutory Notice of Cancellation forms or other client documents that may be provided before services begin.

7. Consumer Rights

You have the right to dispute inaccurate information directly with consumer reporting agencies at no cost. You can perform many credit-related actions yourself without hiring JHL Credit Solutions. Accurate, current, and verifiable information cannot lawfully be removed merely because it is negative.

8. Website Use and Intellectual Property

You agree not to misuse the website, attempt to disrupt its operation, or use it for unlawful purposes. Content on this website, including text, branding, and media, is owned by or licensed to JHL Credit Solutions and may not be copied or used for commercial purposes without permission, except as allowed by law.

9. Limitation of Liability

To the fullest extent permitted by law, JHL Credit Solutions is not liable for indirect, incidental, consequential, special, or punitive damages arising from your use of the website or reliance on website content. Website information is provided on an "as available" basis without warranties of any kind, express or implied, except where such warranties cannot be disclaimed under applicable law.

10. Contact

Questions about these Terms may be directed to hello@jhlcreditsolutions.com.