Last updated January 2024

This Website Terms of Use Agreement (“Website Terms”) is between you and CreditNexus 360, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“CreditNexus 360,” “we” or “us”), with a principal place of business at 5719 Raleigh Lagrange Rd Ste 8, Memphis, TN 38134, USA. Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the “Website”), your engagement of CreditNexus 360’s services, your request that CreditNexus 360 contact you about its credit repair services, and/or your participation in CreditNexus 360’s Text Message Program. CreditNexus 360’s “Text Message Program” includes sending text message(s) to CreditNexus 360 and/or receiving text message(s) from CreditNexus 360.

BY USING THE WEBSITE, ENGAGING CREDITNEXUS 360’S SERVICES, REQUESTING THAT CREDITNEXUS 360 CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN CREDITNEXUS 360’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

CreditNexus 360’s Privacy Policy applies to your use of CreditNexus 360’s website, all services provided by us, your request that CreditNexus 360 contact you about its credit repair services, and/or your participation in CreditNexus 360’s Text Message Program, and its terms are made a part of the Website Terms. By using CreditNexus 360’s website, engaging our services, requesting that CreditNexus 360 contact you about its credit repair services, and/or participating in CreditNexus 360’s Text Message Program, you acknowledge you have reviewed CreditNexus 360’s Privacy Policy and agree to its terms.

BY USING CREDITNEXUS 360’S WEBSITE, ENGAGING CREDITNEXUS 360’S SERVICES, REQUESTING THAT CREDITNEXUS 360 CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN CREDITNEXUS 360’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND CREDITNEXUS 360 ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A “CLAIM” IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND CREDITNEXUS 360, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH CREDITNEXUS 360. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST CREDITNEXUS 360 IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST CREDITNEXUS 360 IN ANY JURISDICTION IN THE UNITED STATES. CREDITNEXUS 360 WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have authority to interpret the Website Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Website Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Website Terms. You agree that the Website Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the state of Tennessee, as provided in Section 17 below.

About the Website TermsThe Website is a service made available by CreditNexus 360. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time