Welcome to Credit Mentor AI! These Terms and Conditions ("Terms") govern your use of the Credit Mentor AI mobile application (the "App") and related services provided by Credit Mentor AI ("we," "us," or "our"). By accessing or using the App, you agree to be bound by these Terms. If you do not agree, do not use our services.

1. Eligibility

You must be at least 18 years old to use the App. By using our services, you represent that you meet this requirement.

2. Services Provided

Credit Mentor AI is an AI-powered financial tool designed to help you monitor and improve your credit. Our services include, but are not limited to:

• Credit analysis and insights
• Personalized financial recommendations
• Credit monitoring (if applicable)
• Financial education content

We do not provide financial, legal, or tax advice. All information is for educational purposes only. You should consult a financial professional before making any credit-related decisions.

3. User Account

Registration

To access certain features, you must create an account. You agree to provide accurate and complete information and to update it as needed.

Security

You are responsible for maintaining the confidentiality of your login credentials. If you suspect unauthorized access to your account, you must notify us immediately.

4. User Responsibilities

By using the App, you agree to:

• Use the App only for lawful purposes.
• Not engage in fraudulent, misleading, or harmful activities.
• Not attempt to interfere with the App’s functionality or security.
• Not copy, modify, distribute, or sell any part of the App without permission.

5. Third-Party Services

The App may integrate with third-party services, such as financial institutions and credit bureaus. We are not responsible for their content, privacy policies, or practices. Your use of third-party services is subject to their respective terms and conditions.

6. Fees and Payments

Some features of the App may require payment. If applicable, you agree to pay all fees as described within the App. All payments are non-refundable unless required by law.

7. No Guarantee of Credit Improvement

While Credit Mentor AI provides tools and insights to help you improve your credit, we do not guarantee specific results. Your credit score is influenced by multiple factors beyond our control.

8. Intellectual Property

All content, trademarks, and technology within the App are owned by Credit Mentor AI or licensed to us. You may not use, copy, or distribute our intellectual property without permission.

9. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages arising from your use of the App.
• We do not guarantee the accuracy, reliability, or completeness of any information provided.
• We are not responsible for any financial decisions you make based on the App’s recommendations.

10. Termination

We may suspend or terminate your account if you violate these Terms. You may also delete your account at any time. Upon termination, you lose access to the App’s services.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes, but it is your responsibility to review them periodically. Continued use of the App after updates constitutes acceptance of the new Terms.

12.  Governing Law

These Terms are governed by the laws of USA, without regard to conflict of law principles.

13. Contact Information

For questions or concerns, contact us at:

Credit Mentor AI  
[Company Address]  
[Support Email]
[Support Phone Number]

By using Credit Mentor AI, you acknowledge that you have read, understood, and agreed to these Terms.