Terms of Use

Welcome to Cornerstone. By accessing this website and using our services, you agree to the following Terms of Use. Please read them carefully.

1. Acceptance of Terms

By using this website or enrolling in our services, you agree to be bound by these Terms of Use. If you do not agree, please do not use this site or our services.

2. Services Overview

Cornerstone provides credit education, credit repair assistance, and financial strategy services designed to help individuals improve their credit profiles and position themselves for financial opportunities.

Our services are educational and strategic in nature. We assist clients in understanding and navigating the credit system, but we do not act as a lender, creditor, or financial institution.

3. No Guarantee of Results

Cornerstone does not guarantee any specific outcomes, including but not limited to:

Credit score increases
Approval for loans, credit cards, housing, or financing
Removal of specific items from credit reports

Results vary based on individual circumstances, credit history, and client participation.

4. Client Responsibilities

By using our services, you agree to:

Provide accurate and truthful information
Maintain active credit monitoring as required
Follow recommended strategies and guidance
Make timely payments on all existing obligations

Failure to follow recommendations may impact your results.

5. Payment Terms

All services are billed according to the selected plan.

Payments are recurring unless otherwise stated
By enrolling, you authorize automatic billing (autopay)
Payment must be made in full and on time to maintain active service

Cornerstone reserves the right to suspend or terminate services for non-payment.

6. Cancellation Policy

You may cancel your service at any time.

Cancellation requests must be submitted prior to your next billing date
No partial refunds are provided for unused time within a billing cycle unless otherwise stated

7. Refund Policy

Due to the nature of our services, all payments are non-refundable once services have been rendered, unless otherwise stated in writing.

8. Intellectual Property

All content on this website, including but not limited to:

Text
Graphics
Logos
Processes
Strategies

It is the property of Cornerstone and may not be copied, reproduced, or distributed without written permission.

9. Third-Party Services

Cornerstone may recommend or require the use of third-party services, including credit monitoring providers.

We are not responsible for:

The actions, policies, or performance of third-party services
Any issues arising from their platforms

Clients are responsible for reviewing and agreeing to those providers’ terms.

10. Limitation of Liability

Cornerstone is not liable for any direct or indirect damages resulting from:

Use of our services
Financial decisions made by the client
Credit-related outcomes

You acknowledge that all financial decisions are made at your own discretion.

11. Credit Repair Disclosure

Under federal law, you have the right to dispute inaccurate information on your credit report at no cost.

You are not required to purchase services from Cornerstone to exercise these rights. Our services are designed to assist and guide you through the process.