Please read these Terms of Service ("Terms") carefully before using the services provided by Capital 2Growth ("Company," "we," "us," or "our"). By enrolling in our program, accessing our website, or using our client portal, you agree to be bound by these Terms. If you do not agree, do not use our services.
Capital 2Growth provides credit repair services, including the preparation and submission of dispute letters to credit bureaus and creditors on behalf of clients. Our services are governed by the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).
We dispute inaccurate, unverifiable, or outdated negative items on your credit report. We do not guarantee the removal of any specific item or a specific credit score increase. Results vary based on individual credit profiles and the responses of credit bureaus and creditors.
To use our services, you must:
By enrolling, you represent and warrant that you meet all eligibility requirements.
In accordance with the Credit Repair Organizations Act (CROA), we are required to inform you of the following:
Our services are offered on a monthly subscription basis. By enrolling, you authorize Capital 2Growth to charge your payment method on a recurring monthly basis until you cancel.
Fees are charged on the same date each month following your enrollment date. All fees are non-refundable except as expressly stated in our Refund Policy or as required by applicable law.
You are responsible for keeping your billing information current. Failed payments may result in suspension of your services.
You may cancel your subscription at any time with no long-term commitment or cancellation fee. To cancel, contact us at [email protected] or call +1 832-383-2343 prior to your next billing date.
Cancellation takes effect at the end of your current billing cycle. You will retain access to your client portal through the end of your paid period. We do not provide prorated refunds for partial months.
Under CROA, you have the right to cancel within 3 business days of signing your service agreement for a full refund of any fees paid.
To receive the full benefit of our services, you agree to:
Providing false information may result in immediate termination of your services without refund and may expose you to legal liability.
Capital 2Growth makes no guarantee, warranty, or representation that our services will result in a specific credit score increase, the removal of any particular item, or approval for any loan, credit card, or housing application.
Credit repair outcomes depend on numerous factors outside our control, including the accuracy of the disputed information, the response of credit bureaus and creditors, and changes to your credit profile during the service period. Any testimonials or case studies displayed on our website represent individual results and are not typical or guaranteed.
All content on our website, including text, graphics, logos, images, and software, is the property of Capital 2Growth and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Upon enrollment, you will receive access to our secure client portal to track dispute progress and view updates. You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized access to your account.
We reserve the right to suspend or terminate portal access for accounts that violate these Terms, have failed payments, or are suspected of fraudulent activity.
To the maximum extent permitted by applicable law, Capital 2Growth and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or loss of goodwill, arising out of or in connection with your use of our services.
Our total cumulative liability to you for any claims arising from or related to these Terms or our services shall not exceed the total amount paid by you to Capital 2Growth in the three (3) months immediately preceding the claim.
You agree to indemnify, defend, and hold harmless Capital 2Growth and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of our services, your violation of these Terms, or your violation of any applicable law.
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or our services that cannot be resolved informally shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association (AAA), conducted in Houston, Texas. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.
We reserve the right to terminate or suspend your account and access to our services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other clients, us, third parties, or the integrity of our services.
Upon termination, your right to use our services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, disclaimer of warranties, indemnification, and limitation of liability.
Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our services will be uninterrupted, error-free, or completely secure.
We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice on our website. Your continued use of our services after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree with the updated Terms, you must cancel your subscription.
If you have any questions about these Terms of Service, please contact us: