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Terms & Conditions
& Privacy Policy

These terms and conditions (“TERMS”) are agreed upon as of date of SERVICES' subscription purchase, by and between AIO Credit Rehab (AIO) and the purchaser (CLIENT) for service (“SERVICES”) described in these TERMS. CLIENT pronouns shall be represented as “they,” “them,” and “their.”

  •  AIO reserves the right to change or update the TERMS without notice. New features, tools, or resources of the SERVICES shall be subject to the TERMS. Continued use of SERVICES shall constitute CLIENT’s consent. 

 

DISCLAIMERS:

  • AIO is not a lender or credit card provider. AIO cannot provide any lending or credit-based accounts on anyone's behalf. AIO cannot create credit on anyone's behalf. AIO provides CLIENTS with the knowledge and guidance so they can build their own good credit and use that new credit to apply for desired accounts.

  • AIO cannot guarantee any results, loan approval or credit card approval on a CLIENT’s case. Results may vary depending on a variety of factors. AIO cannot guarantee a precise time frame for SERVICES to accomplish specific goals because each case is different. 

  • All documentation, including but not limited to credit bureau reports, becomes property of AIO upon receipt.

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CLIENT COMMITMENTS

  • You must be at least 13 years or older and must ask a parent or guardian for permission to receive SERVICES.

  • You must be a living and breathing person. Bot accounts or other automated methods are not allowed and will be removed.

  • CLIENT must provide a full legal name, valid email address, and any other information required to complete the sign-up process and SERVICES.

  • CLIENT is solely responsible for the security of their account and password. AIO cannot and will not be liable for any loss or damage from CLIENT due to failure to comply to these responsibilities.

  • CLIENT must represent oneself and not use or take on the identity of anyone else while using these SERVICES.

  • CLIENT warrants to AIO that it does not currently represent or promote any lines or products or services that compete with AIO’s SERVICES.

  • All CLIENTS agree to acquire a digital method to review credit scores from all 3 credit bureaus and provide their credentials to AIO for the purposes of tracking progress.

  • AIO cannot perform the service provided without obtaining regularly updated credit reports and all correspondence from credit bureaus. CLIENT agrees to forward all correspondence, digital or US mail, from the credit bureaus to AIO, including, but not limited to, letters and credit reports. CLIENT agrees to provide credit information in a timely manner. AIO requests that this information be scanned or photographed and provided digitally within two business days of receipt or as soon as reasonably possible.  AIO will be limited in providing SERVICES without obtaining new bills/statements and any other documentation related to the SERVICES.

  • CLIENT agrees to inform AIO of any changes to contact information, including but not limited to an address, phone number or email within a reasonable time. AIO will be limited in providing SERVICES without contact information.

  • CLIENT understands that AIO has no ability to dictate CLIENT’s decisions or actions regarding financial decisions that may affect CLIENT’s credit score, credit report, or other financial responsibility(s). CLIENT cannot and will not hold AIO accountable or liable for any consequences or actions regarding their past, present, and/or future actions or decisions that could impact their credit score, credit report, standing(s) with companies or institutions and/or their financial situation, or otherwise.

  • CLIENT agrees to pay AIO for SERVICES rendered for the course of one year. A failure to provide payment will lead to suspension or termination of their account and another bad mark on CLIENT's credit score. AIO will work with any CLIENTs seeking to resolve any payment issues as long as the CLIENT contacts AIO as soon as possible.

  • CLIENT may not use SERVICES for any unauthorized or illegal purpose. CLIENT will not use SERVICES to violate any laws (including but not limited to copyright laws). CLIENT understands laws according to their jurisdiction.

  • CLIENT understands that SERVICES' success is reliant on completion of the above mentioned commitments, and a failure to comply to these activities will void the TERMS and lead to a termination of the CLIENT’s account without refund.

  • Violation of the following TERMS will result in the termination of the CLIENT’s account. CLIENT agrees to use the SERVICES at their own risk.

 

ELECTRONIC COMMUNICATION

  • CLIENT agrees, unless otherwise stated, that by entering into transactions with AIO, CLIENT affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from AIO and to also send information in an electronic format unless previously agreed upon in writing with AIO. CLIENT has a right to receive a paper copy of any of these electronic records if applicable law specifically requires AIO to provide such documentation. CLIENT's consent may be withdrawn at any time upon AIO's receipt of such withdrawal. However, CLIENT's withdrawal of CLIENT's consent to conduct business electronically can only occur if applicable law specifically requires AIO to provide a paper copy of electronic documents. Withdrawal of consent will slow the speed at which AIO can complete certain steps in transactions with CLIENT and delivering services to CLIENT. To inform us that CLIENT either withdraws CLIENT’s consent to receive future notices and disclosures in electronic format, AIO would like to receive paper copies, or to update your information CLIENT may send to the address provided at the end of these terms. CLIENT acknowledges and agrees that the internet is considered inherently insecure. Therefore, CLIENT agrees that AIO has no liability to CLIENT whatsoever for any loss, claim, or damages arising or in any way related to AIO's responses to any electronic communication, upon which AIO has in good faith relied.

 

PAYMENTS, UPGRADING/DOWNGRADING, CANCELATION & REFUND POLICIES

  • A valid credit card, debit card or bank account is required for paying accounts.

  • CLIENT agrees to pay for SERVICES for 12 months via monthly payments. This is for the purposes of a good credit entry on their credit report. Failure to pay may result in cancellation fees and a poor mark on their credit score.  

  • SERVICES billed on a monthly basis are non-refundable. There are no refunds or credits for partial months of SERVICES. There are also no refunds for upgraded/downgraded accounts or for anytime the account is unused while open.

  • Fees are exclusive of taxes, duties, or levies imposed by taxing authorities, and the CLIENT shall be responsible for paying any such taxes, levies, or duties if applicable.

  • The payment preference chosen for any SERVICES will be used again for any upgrade or downgrade in plan level and will be billed on the first day of the next billing cycle.

  • CLIENT understands they are paying a monthly fee for a minimum number of 12 months based on the selected package and are then automatically paying on a month-to-month basis after the minimum number of months are met.

  • CLIENT understands they can cancel SERVICES at the end of one year without cancellation fees or additional charges.

  • Cancellation must be submitted in writing by email to AIO or received by AIO via US mail within 5 business days of the next payment date in order to not incur that month’s fees. CLIENT is solely responsible for canceling their account.

  • AIO provides a 5 day grace period after payment is not received by the due date before suspending SERVICES.

  • Automatic payments will make multiple process attempts for up to but no longer than 30 days after a declined charge, at which time the CLIENT’s account shall be suspended.

  • Cancellation takes effect immediately even when the CLIENT cancels SERVICES before the end of a paid month, but CLIENT is solely responsible for all charges previously incurred.

  • AIO will not provide SERVICES to CLIENTs who file chargebacks.

  • AIO has the right, in its sole discretion, to terminate or suspend a CLIENT’s account and refuse to provide SERVICES to anyone, for any reason, at any time.

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FORCE MAJURE

Notwithstanding anything to the contrary contained herein, AIO shall not be liable for any delays or failures in performance resulting from acts beyond its reasonable control, including, without limitation, acts of God, terrorist acts, pandemics, shortage of supply, breakdowns or malfunctions, interruptions or malfunction of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage or retrieval systems, labor difficulties, war, or civil unrest.

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LIMITED LIABILITY

  • NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, NEITHER PARTY SHALL BE LIABLE TO THE OTHER PARTY OR ANY OF ITS AFFILIATES FOR (I) ANY SPECIAL, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST REVENUES, OR (II) COST OF PROCUREMENT OF SUBSTITUTE GOODS, TECHNOLOGY OR SERVICES, WHETHER UNDER ANY CONTRACT, WARRANTY, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY.

  • IN THE EVENT OF TERMINATION BY EITHER PARTY IN ACCORDANCE WITH ANY OF THE PROVISIONS OF THESE TERMS, NEITHER PARTY SHALL BE LIABLE TO THE OTHER, BECAUSE OF THE TERMINATION FOR COMPENSATION OR REIMBURSEMENT OR DAMAGES ON ACCOUNT OF THE LOSS OF PROSPECTIVE PROFITS OR ANTICIPATED SALES OR ON ACCOUNT OF EXPENDITURES, INVESTMENTS, LEASES OR COMMITMENTS IN CONNECTION WITH AIO OR GOODWILL OF AIO.

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INDEMNIFICATION

  • CLIENT shall indemnify and hold AIO free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of negligence or malfeasant acts of CLIENT. 

  • CLIENT agrees to indemnify, defend, and hold AIO’s subsidiaries, affiliates, or parent companies harmless from any claims arising out of or relating to the CLIENT’s actions, including, but not limited to, CLIENT’s use of the SERVICES, negligence, malfeasant acts and any information CLIENT submits, posts, transmit, or makes available; failure to safeguard CLIENT’s own information, or other account information; or violating these TERMS or any policy referenced in these TERMS, any applicable law or regulation, or the rights of any third party. 

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CONSUMER CREDIT FILE UNDER STATE AND FEDERAL LAW

  • CLIENT understands they have the right to dispute items on their credit report by contacting credit bureaus directly. However, no one and no “credit repair” company or organization has the right to have accurate, negative information removed from a credit report before it is 7 years old. Bankruptcy information can be reported up to 10 years. CLIENT understands that credit bureaus are required to conduct procedures meant to ensure report accuracy but, mistakes happen.

  • CLIENT understands they have the right to request a credit report from a credit bureau and that the credit bureau must provide assistance interpreting the credit file information. All US Citizens are entitled to receive a free copy of their credit report if they are unemployed and intend to apply for employment in the next 60 days, if they receive public welfare assistance, or if they have reason to believe that there is fraudulent inaccuracies in their credit report. CLIENT understands they have a right to sue any credit organization that violates the Credit Repair Organization Act, which prohibits deceptive practices by credit repair organizations.

  • CLIENT understands they have the ability to notify a credit bureau in writing to dispute the accuracy of information in their credit file. Credit bureaus are required to re-investigate and modify or remove inaccurate or incomplete information. Credit bureaus are not permitted to remove items for a fee. CLIENT understand any information or documentation related to errors must be provided to the credit bureau.

  • CLIENT understands that they have the right to submit a brief statement to the credit bureau to be kept in their file explaining why they think the information is inaccurate. Credit bureaus are required to include a summary of their statement about disputed items with any report it issues about them.

  • The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington D.C. 20580.

 

DEROGATORY or DEFAMATION

  • By partaking in the SERVICES, CLIENT agrees that they want AIO to aid them with disputing information on the CLIENT’s credit report that could indicate misleading information except for the information disclosed to AIO separately. AIO will consider any information that is not disclosed to be inaccurate, unverifiable, or obsolete.

  • Right to Suspend or Terminate Services: AIO can, without notice, suspend or terminate any SERVICES at any time for any reason. For example, we can suspend or terminate any Service for the following: (a) late payment; (b) denied payment transaction;(harassing/threatening/abusing/offending our employees or agents; (d) providing false or inaccurate information; (e) interfering with our operations; (f) using/suspicion of using SERVICES in any manner restricted by or inconsistent with the TERMS; (g) breaching, failing to follow, or abusing the TERMS; (h) providing false, inaccurate, dated, or unverifiable identification or credit information or becoming insolvent or bankrupt.

 

PRIVACY POLICY.

  • Protecting the CLIENT’s private information is a priority. This Statement of Privacy applies to AIO and governs data collection and usage. By purchasing SERVICES, CLIENT consents to the data practices described in this policy.

  • Collection of your Personal Information: AIO may collect personally identifiable information, such as your name, date of birth, current and previous addresses, and other relevant information related to the restoration of your credit report and creation of new credit via loan, credit or other accounts. AIO may also collect anonymous demographic information, which is not unique to you, such as your age, city and state. AIO may gather additional personal or non-personal information in the future.  Information about CLIENT’s computer hardware and software may be automatically collected by AIO. This may include: IP address, browser type, domain names, access times and referring website addresses. Information collected is used for SERVICES and operation to ensure quality SERVICES.

  • AIO is not responsible for the privacy statements or other content on websites outside of the AIO website.

  • AIO may also use CLIENT’s personally identifiable information to inform CLIENT of other products or services available from AIO and its affiliates. AIO may also contact you to ask questions about your opinion of SERVICES or of potential new SERVICES.

  • AIO does not sell, rent or lease its customer lists to third parties. AIO may share data with trusted partners to help perform SERVICES, send you email or postal mail, conduct statistical analysis, arrange for deliveries, sign up for accounts and provide customer support. All such third parties are prohibited from using personal information except to provide relevant services to AIO, and they are required to maintain the confidentiality of CLIENT information.

  • AIO will disclose personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served by AIO; (b) protect and defend the rights or property of AIO; and, (c) act under exigent circumstances to protect the personal safety of AIO CLIENTS, or the public.

  • Security of your Personal Information: AIO secures your personal information from unauthorized access, use or disclosure. 

  • Changes to this Statement: AIO will occasionally update this Statement of Privacy to reflect company and customer feedback. AIO encourages CLIENT to periodically review this Statement to be informed of how AIO is protecting CLIENT's information.

 

ARBITRATION AND MEDIATION

  • In the event a dispute shall arise between the parties to this contract, agreement, and/or services, it is hereby agreed that the dispute shall be resolved by arbitration in accordance with the applicable United States Arbitration and Mediation Rules of Arbitration. The arbitrator’s decision shall be final and legally binding and judgment may be entered thereon. Each party shall be responsible for its share of the arbitration fees in accordance with the applicable Rules of Arbitration. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator’s award, or fails to comply with the arbitrator’s award, the other party is entitled to costs of suit, including a reasonable attorney’s fee for having to compel arbitration or defend or enforce the award.

    • (a) “Disputes” are any claims or controversies against each other related in any way to or arising out of in any way AIO's SERVICES or these TERMS, including, but not limited to, billing services and practices, policies, contract practices (including enforceable), service claims, privacy, or advertising, even if it arises after SERVICES have terminated. Disputes include claims that CLIENT brings against AIO's employees, agents, affiliates, or other representatives or that AIO brings against CLIENT. It also includes but is not limited to claims related in any way to or arising out of in any way any aspect of the relationship between AIO and CLIENT, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory.

    • (b) If AIO or CLIENT wants to initiate a claim to arbitrate a Dispute, each party agrees to send written notice to the other providing a description of the dispute, a description of previous efforts to resolve the dispute, all relevant documents and supporting information, and the proposed resolution. AIO’s address is listed at the end of these TERMS. Both parties agree to make attempts to resolve the dispute prior to filing a claim for arbitration. If parties cannot resolve the dispute within forty-five (45) days of receipt of the notice to arbitrate, then either party may submit the dispute to formal arbitration.

    • (c) Unless agreed otherwise, the Arbitration will be conducted by a single, neutral arbitrator and will take place in the county of the last billing address of SERVICES.

    • (d) The arbitration will be governed and conducted by

      • (a) a neutral third-party arbitrator selected by both parties and based upon rules mutually agreed to by both parties

      • (b) JAMS. The JAMS rules, including rules about the selection of an arbitrator, filing, administration, discovery, and arbitrator fees, will be conducted under JAMS Comprehensive Arbitration Rules & Procedures. The JAMS rules are available on its website at www.jamsadr.com. To the extent that this “Dispute Resolution” section conflicts with JAMS’s minimum standards for procedural fairness, the JAMS’s rules or minimum standards for arbitration procedures in that regard will apply. However, nothing in this paragraph will require or allow AIO or CLIENT to arbitrate on a class-wide or consolidated basis.

    • (e) BOTH PARTIES AGREE THAT THEY WILL ONLY PURSUE ARBITRATION ON AN INDIVIDUAL BASIS AND WILL NOT PURSUE ARBITRATION ON A CLASS-WIDE OR CONSOLIDATED BASIS. Both parties agree that any arbitration will be solely between CLIENT and AIO (not brought on behalf of or together with another individual’s claim). If for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn’t apply and the dispute must be brought in court.

    • (f) Both Parties are responsible for their respective costs relating to counsel, experts, and witnesses, as well as any other costs relating to arbitration. However, AIO will pay for the arbitration administrative or filing fees, including the arbitrator fees. Otherwise, the JAMS Comprehensive Arbitration Rules & Procedures and the JAMS Policy on Consumer Arbitration Pursuant to Pre-Dispute Clauses, Minimum Standards of Procedural Fairness regarding costs and payment apply.

    • Exceptions To The Agreement To Arbitrate Disputes: Either party may bring qualifying claims in small claims court. In addition, this arbitration provision does not prevent AIO or CLIENT from bringing the dispute to the attention of any federal, state, or local government agency that can, if the law allows, seek relief against the other party.

 

NO CLASS ACTIONS:

  • TO THE EXTENT ALLOWED BY LAW, BOTH PARTIES WAIVE ANY RIGHT TO PURSUE DISPUTES ON A CLASS WIDE BASIS; THAT IS, TO EITHER JOIN A CLAIM WITH THE CLAIM OF ANY OTHER PERSON OR ENTITY OR ASSERT A CLAIM IN A REPRESENTATIVE CAPACITY ON BEHALF OF ANYONE ELSE IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING.

  • No Trial By Jury: TO THE EXTENT ALLOWED BY LAW, BOTH PARTIES WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING.

 

GOVERNING LAW

  • These TERMS shall be governed by and construed in accordance with the laws of the state where the SERVICES are provided.

  • SEVERABILITY: If a court decision, statute or rule shall hold or make any provision of these TERMS invalid, or shall be otherwise rendered invalid, the remainder of these TERMS shall not be affected and the remainder of these TERMS shall continue to be in force.

 

QUESTIONS OR COMMENTS?

  • If you have questions or comments about AIO’s TERMS send email to contact@aiocreditcreation.com or directly message via the Contact page on the AIO website.

  • Thank you for choosing AIO!

 

AIO Credit Rehab

1239 120th Ave NE

Ste A

Bellevue, WA 98005

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