Terms & Conditions

Last Updated: November 5, 2025

2.1 Introduction

Welcome to Clear Credit Solutions (“Company,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your use of our website, online portals, and any services we offer through this site (collectively, the “Website”). By accessing or using our Website at theclearcredit.com, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

2.2 Company Information & Compliance

Clear Credit Solutions

100 7th St, Suite 104
Portsmouth, VA 23704
Phone: 888-771-8889
Email: clientcare@theclearcredit.com

We operate in compliance with all applicable federal and state laws and regulations, including but not limited to:

Credit Repair Organizations Act (CROA)

Fair Credit Reporting Act (FCRA)

Telemarketing Sales Rule (TSR)

State-specific credit services and consumer protection laws

Any other applicable federal and Virginia state rules and guidelines

We are required to follow these rules in how we advertise, communicate, charge for services, and provide disclosures.

2.3 Telemarketing Sales Rule (TSR)

We comply with the Telemarketing Sales Rule (TSR), a federal regulation enforced by the Federal Trade Commission (FTC). The TSR governs how businesses conduct telemarketing and sales calls and is designed to protect consumers from deceptive or abusive practices. The TSR:

Sets rules for how and when telemarketing calls can be made

Prohibits deceptive or misleading telemarketing practices

Requires certain disclosures during telemarketing calls

Restricts calls to certain hours of the day

Works in coordination with the National Do Not Call Registry

Prohibits calling consumers who have placed their numbers on the Do Not Call list (with limited exceptions)

Because of the TSR and related state and federal regulations:

We may be limited in when and how we can call you, even if you contact us first.

In many cases, we cannot call or return calls unless we have the appropriate documentation and/or an established business relationship.

We may require a signed client agreement on file before engaging in certain outbound phone communications.

For these reasons, we frequently communicate by email, secure client portal, or text message (with your consent), especially prior to establishing a formal client relationship and in situations where telemarketing rules restrict our ability to call.

2.4 Eligibility

By using this Website, you represent and warrant that:

You are at least 18 years old;

You have the legal authority to enter into a binding agreement with us; and

You will use the Website in accordance with these Terms and all applicable laws and regulations.

If you do not meet these requirements, you may not use the Website.

2.5 No Legal, Tax, or Financial Advice

The content on this Website is for informational and educational purposes only and does not constitute legal, tax, financial, or investment advice. You should consult an attorney, tax professional, financial advisor, lender, or other qualified professional before making decisions based on information found on this Website. Your use of the Website does not create an attorney-client, tax adviser-client, or fiduciary relationship with us.

2.6 No Guarantees

Our goal is to assist you with your credit and financial profile, but we do not guarantee:

Any specific increase in your credit scores

Removal of any particular item from your credit report

Approval for any credit, loan, mortgage, or other financial product

Any specific timing of credit improvements

Credit outcomes depend on many factors beyond our control, including your credit history, your creditors, the credit bureaus, and your ongoing financial behavior. Testimonials or examples provided on the Website represent individual experiences and do not guarantee similar outcomes for you.

2.7 Website Content & Intellectual Property

All content on this Website, including text, graphics, logos, images, videos, icons, and software, is the property of Clear Credit Solutions or its content providers and is protected by intellectual property laws. You agree that you will:

Use the Website and its content solely for your personal, non-commercial use

Not copy, reproduce, distribute, modify, or create derivative works from any content without our prior written consent

Not remove or alter any copyright, trademark, or other proprietary notices

2.8 User Responsibilities

When using our Website, you agree that you will not:

Use the Website for any unlawful or fraudulent purpose

Attempt to gain unauthorized access to any systems, accounts, or networks

Provide false, inaccurate, or misleading information

Interfere with the operation or security of the Website

Upload or transmit viruses, malware, or any other harmful code

If you create an account or client portal login, you are responsible for maintaining the confidentiality of your username and password and for all activities that occur under your account. You agree to notify us promptly of any unauthorized use of your account or credentials.

2.9 Privacy & Data Retention

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your information.
To comply with applicable laws and regulations, including telemarketing and consumer protection rules, we retain certain information—such as phone call records, emails, text messages, client agreements, and related documentation—for a minimum of three (3) years from the date of creation or last activity, or longer where required by law.

2.10 Third-Party Services & Links

Our Website may contain links to third-party websites, tools, or services (such as payment processors, credit monitoring services, or partner sites). These third parties are not controlled by Clear Credit Solutions. We are not responsible for:

The content, policies, or practices of third-party websites

Any loss or damage arising from your use of third-party websites or services

We encourage you to review the terms and privacy policies of any third-party websites you visit.

2.11 Payments & Billing (If Applicable Through the Website)

If you purchase services or make payments through the Website:

You agree to provide accurate, current, and complete payment information

You authorize Clear Credit Solutions and our payment processor to charge your selected payment method for any services you purchase

Fees, payment terms, refunds, and any ongoing billing arrangements will be governed by the specific client agreement you sign with us

Failure to make timely payments, or initiating chargebacks or disputed payments, may result in suspension or termination of services in accordance with your client agreement.

2.12 Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Clear Credit Solutions disclaims all warranties, express or implied, including but not limited to:

Warranties of merchantability

Fitness for a particular purpose

Non-infringement

We do not warrant that:

The Website will be uninterrupted, timely, secure, or error-free

Any defects or errors will be corrected

The Website or the servers that make it available are free from viruses or harmful components

The information on the Website is complete, accurate, or current at all times

You use the Website at your own risk.

2.13 Limitation of Liability

To the fullest extent permitted by law, Clear Credit Solutions and its owners, officers, employees, contractors, and agents shall not be liable for any:

Indirect, incidental, consequential, special, or punitive damages
Loss of profits, revenue, data, or goodwill

arising from or related to your use of, or inability to use, the Website or any services accessed through it, even if we have been advised of the possibility of such damages. To the extent permitted by law, our total liability to you for any claim relating to the Website or these Terms shall not exceed the amount you have paid to us, if any, for services accessed through the Website in the three (3) months preceding the event giving rise to the claim.

2.14 Indemnification

You agree to indemnify, defend, and hold harmless Clear Credit Solutions, its owners, officers, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

Your use of the Website

Your violation of these Terms

Your violation of any third-party rights

Any content or information you submit through the Website

2.15 Changes to the Website & Terms

We reserve the right to:

Modify, suspend, or discontinue any part of the Website at any time, with or without notice

Update or revise these Terms from time to time

When we make changes, we will update the “Last Updated” date at the top of this section. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

2.16 Governing Law & Jurisdiction

These Terms and your use of the Website are governed by the laws of the Commonwealth of Virginia, without regard to its conflict of law principles. Any disputes arising out of or related to these Terms or your use of the Website shall be brought exclusively in the state or federal courts located in or serving Portsmouth, Virginia, and you consent to the jurisdiction and venue of such courts.

2.17 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.

2.18 Entire Agreement

These Terms, together with our Privacy Policy and any separate written client agreement you sign with Clear Credit Solutions, constitute the entire agreement between you and us regarding your use of the Website and our services, and supersede any prior or contemporaneous understandings or agreements.

2.19 Contact Information

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

Clear Credit Solutions
100 7th St, Suite 104
Portsmouth, VA 23704
Phone: 888-771-8889
Email: clientcare@theclearcredit.com
Website: theclearcredit.com