Terms of Use

1. Acceptance of these terms

These Terms of Use govern your access to and use of the Clearline Credit website and client platform (the "Service"). By creating an account, submitting an intake, uploading documents, or otherwise using the Service, you agree to these terms.

If you purchase a Clearline service, you also sign a separate service agreement at checkout. That signed agreement governs the specific service you purchased. Where the signed agreement and these terms conflict for that service, the signed agreement controls.

2. Eligibility

You must be at least 18 years old and able to enter into a binding contract to use the Service. You may use the Service only for your own consumer credit information, or for information you are lawfully authorized to act on.

You may not use the Service on behalf of another consumer without that consumer's authorization, and you may not resell Clearline services without written permission.

3. Your account and security

You are responsible for maintaining the confidentiality of your password and for activity that occurs under your account. Use a unique password and notify Clearline promptly if you believe your account has been accessed without your permission.

Clearline does not request or store your Social Security number, credit bureau login credentials, bank login credentials, or creditor account passwords. Never send those to anyone claiming to represent Clearline.

4. What Clearline provides

Clearline provides consumer credit analysis, education and advisory work, and consumer-directed dispute workflow assistance. Credit Analysis produces a written review of the report data you provide, including findings and a prioritized action plan. Dispute Automation prepares consumer-directed dispute materials, round by round, at your direction and under your final review.

Clearline is not a lender, bank, credit bureau or consumer reporting agency, debt collector, or law firm, and does not provide legal, tax, or investment advice. Nothing in the Service creates an attorney-client relationship.

5. No guaranteed outcomes

Credit outcomes depend on the bureaus, furnishers, and lenders that control your file — not on Clearline. Clearline does not guarantee any score increase, deletion of any item, credit approval, financing, interest rate, or other specific result.

Clearline will not promise the removal of information that is accurate, current and verifiable, and will not advise or assist you in making a statement you know to be false.

6. Information and documents you provide

You are responsible for the accuracy and completeness of the information, credit reports, and supporting evidence you submit, and for confirming that the documents belong to you or that you are authorized to submit them.

You retain final control of dispute materials. You are responsible for reviewing anything prepared for you before it is used or sent.

You grant Clearline permission to process the documents and information you upload for the purpose of delivering the services you requested and supporting your account.

7. Acceptable use

• Do not submit information you know to be false, or documents that belong to someone else without authorization.
• Do not attempt to access other users' accounts, files, or data.
• Do not probe, scan, overload, or interfere with the Service or its infrastructure.
• Do not copy, scrape, or redistribute Clearline analysis, templates, or materials for commercial use.
• Do not use the Service to create a new or separate credit identity.

8. Intellectual property

The Clearline platform, its content, analysis frameworks, templates, and branding are owned by Clearline and are protected by intellectual property laws. You receive a limited, personal, non-transferable right to use the materials Clearline delivers to you for your own credit matters.

Your own documents and information remain yours.

9. Third-party services

Clearline relies on third-party infrastructure and service providers to host the platform, store files, send email, and support account security. Clearline does not control credit bureaus, furnishers, or lenders, and is not responsible for their decisions, timelines, or accuracy.

Links to third-party websites are provided for convenience and do not imply affiliation or endorsement.

10. Availability and changes

Clearline may modify, suspend, or discontinue features of the Service, and may update pricing for future purchases. Changes to pricing do not alter the price stated in a service agreement you have already signed.

Clearline may update these terms. Material changes will be reflected by a new effective date on this page, and continued use of the Service after that date constitutes acceptance.

11. Disclaimers

Except as expressly stated in a signed service agreement, the Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Clearline does not warrant that the Service will be uninterrupted or error-free, or that credit report data supplied by third parties is complete or accurate.

12. Limitation of liability

To the maximum extent permitted by law, Clearline is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost credit opportunities, or lost data arising from your use of the Service.

To the maximum extent permitted by law, Clearline's total liability for any claim relating to a service is limited to the amount you paid Clearline for that service. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing here limits rights that cannot be limited by law.

13. Termination

You may stop using the Service at any time, and you may cancel a purchased service as described in the Cancellation Policy and in your signed service agreement.

Clearline may suspend or close an account that violates these terms, is used for fraudulent purposes, or creates risk to other users or to the platform. Amounts already owed for delivered services remain payable.

14. Governing law and disputes

These terms are governed by the laws of the state in which Clearline is organized, without regard to conflict-of-laws rules, and by applicable United States federal law. The legal entity name and address that apply to your purchase are stated in the service agreement you sign at checkout.

Before filing any formal claim, you agree to contact Clearline so that we can attempt to resolve the issue directly.

15. Contact

Questions about these terms can be sent to support@clearlinecredit.net. Clients can also message Clearline from inside their account.