TERMS OF USE

Effective Date: July 30, 2026

Welcome to the Masters Credit Consultants website (“Website”). These Terms of Use (“Terms”) govern your access to and use of the Website and any online services, tools, client portals, forms, applications, or other digital resources provided by Masters Credit Consultants (“Masters Credit Consultants,” “MCC,” “we,” “our,” or “us”).

By accessing or using our Website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you should discontinue use of the Website.

1. Eligibility

You must be at least eighteen (18) years of age or otherwise legally authorized to enter into binding agreements to use this Website or request our services.

By using this Website, you represent that you meet these eligibility requirements.

2. Purpose of the Website

The Website is provided to:

• Provide information about Masters Credit Consultants and our services;
• Allow visitors to request consultations or contact our team;
• Deliver educational content relating to credit, financial literacy, and related topics;
• Provide access to client resources, portals, and communication tools; and
• Facilitate the delivery of services requested by our clients.

Nothing on this Website creates a client relationship until both parties have agreed to the applicable service terms.

3. No Guarantee of Results

Every person’s financial and credit situation is unique.

Masters Credit Consultants does not guarantee any specific outcome, including but not limited to:

• Credit score increases;
• Approval for loans or credit;
• Removal of information from a credit report;
• Mortgage approval;
• Vehicle financing approval;
• Employment opportunities;
• Business funding;
• Any particular financial result.

Past performance or client testimonials do not guarantee future results.

4. Educational Information Only

The information available on this Website is provided for general educational and informational purposes only.

Nothing on this Website should be interpreted as legal, tax, accounting, investment, lending, or financial advice.

Visitors should consult qualified professionals regarding their individual circumstances before making financial or legal decisions.

5. AI-Assisted Services

Masters Credit Consultants may utilize artificial intelligence (“AI”), automation, and other advanced technologies to improve customer service, scheduling, educational resources, communications, workflow efficiency, and internal operations.

AI-assisted features are intended to support—not replace—the professional judgment of Masters Credit Consultants.

Any AI-generated content is provided for general informational purposes and may not reflect your individual circumstances. While we strive for accuracy, AI-generated responses may occasionally contain errors or incomplete information.

Clients should contact Masters Credit Consultants directly regarding account-specific questions, important decisions, or clarification of any AI-assisted communication.

Masters Credit Consultants reserves the right to modify, suspend, or discontinue AI-powered features at any time.

6. Client Responsibilities

When requesting services, you agree to:

• Provide accurate and truthful information;
• Promptly notify us of material changes to your information;
• Cooperate in providing documents reasonably requested;
• Maintain the confidentiality of your client portal credentials;
• Use the Website and services only for lawful purposes; and
• Refrain from submitting false, misleading, fraudulent, or unauthorized information.

You remain responsible for the accuracy of the information you provide.

7. Acceptable Use

You agree not to:

• Violate any applicable law or regulation;
• Attempt unauthorized access to our systems or client accounts;
• Introduce malware, viruses, or harmful code;
• Interfere with the operation or security of the Website;
• Misrepresent your identity;
• Harvest or collect information from other users;
• Use automated tools to scrape or copy Website content without written permission;
• Use the Website in any manner that could damage Masters Credit Consultants or interfere with other users.

We reserve the right to suspend or terminate access for violations of these Terms.

8. Electronic Communications

By providing your contact information, you consent to receive communications relating to your inquiry, account, or requested services through methods permitted by applicable law, including email, telephone, text message, secure messaging, or client portal notifications.

Your consent to receive communications does not waive any rights you may have under applicable consumer protection laws.

9. Intellectual Property

All Website content, including but not limited to:

• Text;
• Graphics;
• Logos;
• Branding;
• Images;
• Videos;
• Software;
• Documents;
• Website design;
• Layout;
• Educational materials; and
• Other proprietary content,

is owned by or licensed to Masters Credit Consultants and is protected by applicable intellectual property laws.

No content may be copied, reproduced, modified, distributed, published, or used for commercial purposes without prior written permission from Masters Credit Consultants.

10. Third-Party Services

The Website may contain links to third-party websites, products, or services.

Masters Credit Consultants does not control or endorse third-party websites and is not responsible for their content, availability, privacy practices, or terms of use.

Your interactions with third-party providers are governed solely by their respective terms and policies.

11. Payments

If you purchase services through Masters Credit Consultants, you agree to pay all applicable fees in accordance with your service agreement.

Payment processing may be handled by secure third-party payment providers.

Pricing, billing schedules, cancellation rights, and refund policies are governed by your signed client agreement or service contract.

12. Disclaimer of Warranties

The Website and its contents are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Masters Credit Consultants disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, uninterrupted service, and non-infringement.

We do not warrant that the Website will operate without interruption, errors, delays, or security vulnerabilities.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Masters Credit Consultants, its owners, officers, employees, contractors, affiliates, and representatives shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to:

• Your use of the Website;
• Your inability to access the Website;
• Reliance upon Website content;
• AI-generated information;
• Third-party services;
• Internet interruptions;
• Cybersecurity incidents beyond our reasonable control; or
• Any other matter relating to the Website or its use.

Nothing in these Terms limits liability where such limitation is prohibited by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless Masters Credit Consultants and its owners, officers, employees, contractors, affiliates, successors, and agents from any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from:

• Your violation of these Terms;
• Your misuse of the Website;
• Your violation of applicable law; or
• Your infringement of another person’s rights.

15. Suspension or Termination

Masters Credit Consultants reserves the right to suspend, restrict, or terminate access to the Website or any online services, with or without notice, if we reasonably believe a user has violated these Terms, engaged in fraudulent or unlawful conduct, or otherwise poses a risk to our systems, clients, or business operations.

16. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of South Carolina, without regard to its conflict of law principles.

Any legal action arising from these Terms or the use of the Website shall be brought in a court of competent jurisdiction located within South Carolina, unless otherwise required by applicable law.

17. Changes to These Terms

Masters Credit Consultants may update these Terms from time to time to reflect changes in our services, technology, legal requirements, or business practices.

Updated Terms become effective upon posting to the Website with a revised Effective Date.

Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

18. Contact Information

If you have questions regarding these Terms of Use, please contact:

Masters Credit Consultants

Website: www.masterscredit.com

Email: info@masterscredit.com

Phone: (844) 620-8796

Entire Agreement

These Terms of Use, together with our Privacy Policy and any applicable client agreement or service contract, constitute the entire understanding between you and Masters Credit Consultants regarding your use of the Website and supersede any prior website-related understandings or communications to the extent permitted by law.