Terms of Services

Credlocity formerly known as Ficostar Credit Services Terms of Services

(Where the words "Ficostar" or "Ficostar Credit Services" appear, it shall be known as and construed as "Credlocity")

Last Updated July 2024

Welcome to Credlocity Business Group LLC, DBA Credlocity and/or Credlocity Credit Repair ("Credlocity"). By accessing or using our website and services, you agree to be bound by the following terms and conditions:

About the Website Terms
The Website is a service made available by Credlocity. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using Credlocity's services, rescind your request that Credlocity contact you about its credit repair services, and/or discontinue your participation in Credlocity's Text Message Program before the changes take effect.

About the Website
The content on our website is provided for general informational purposes only. While we strive to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Case Files
Should you choose to engage Credlocity, you will enter into a separate written agreement with Credlocity. Each legal file we create in conjunction with this separate written agreement is called a “Case File.” Your Case File will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement. Each Case File will be subject to the following:

The terms or instructions appearing on a screen when using the service;
Credlocity's policies and procedures applicable to the Case File and the online service;
Applicable state and federal laws and regulations.
Services Provided
Credlocity provides credit repair services, including but not limited to credit analysis, dispute processing, and credit monitoring. Our services are designed to help you improve your creditworthiness by disputing inaccurate or unverifiable information on your credit reports.

Use of Personal Information
We use a Customer Relationship Management (CRM) system to store and collect your personal identifiable information (PII). This information is used to provide our services effectively and to ensure compliance with legal and regulatory requirements. Your privacy is important to us, and we are committed to protecting your personal information in accordance with our Privacy Policy.

Automated Communications
As part of our credit repair process, we send automated emails to our clients based on their credit repair cycle and/or stage. These emails contain important information about the progress of your credit repair process and may include reminders and updates.

Text Messaging and App Messaging Features
We use text messaging to communicate with our clients. By providing your phone number, you agree to receive text messages from us in accordance with our Text Message Terms. Our app also includes messaging features that enable automated messages, two-way messaging, and app notifications. Notifications may include the results of a dispute, credit score information (including decreases or increases), and other important updates. If you have our app installed, these notifications may or may not appear on your device. We also utilize portal two-way messaging to communicate with clients through our secure online portal.

Use of Financial Application Services
Credlocity's Website will allow you access to third-party provider services (“Provider Services”). Credlocity has no control over the Provider Services or your access to the Provider Services. Credlocity does not guarantee the Provider Services. By using the Provider Services, you acknowledge Credlocity disclaims any and all liability whatsoever for any actions or inactions of Provider Services.

Third-Party Services
Credlocity may use third-party services for notary public services, credit monitoring, and other credit-building services. These third-party services are provided for your convenience and to enhance the effectiveness of our services. However, Credlocity does not control or guarantee the quality, accuracy, or reliability of these third-party services. By using these services, you acknowledge and agree that Credlocity disclaims any and all liability for any actions or inactions of third-party service providers.

Client Responsibilities
By using our services, you agree to provide accurate and complete information and to update us promptly if any information you have provided changes. You are also responsible for maintaining the confidentiality of your account and for all activities that occur under your account.

No Guarantees
While we strive to improve your credit profile, we do not guarantee specific results. Credit repair outcomes can vary based on individual circumstances and the responses of credit bureaus and creditors.

Limitation of Liability
To the maximum extent permitted by law, Credlocity shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our services, even if we have been advised of the possibility of such damages.

Dispute Resolution and Arbitration
Any disputes arising from or related to your use of our website or services will be resolved through binding arbitration, with fees and costs to be borne by the party initiating arbitration. However, Credlocity reserves the right to choose an alternative forum for dispute resolution, including but not limited to small claims court, court of common pleas, federal court, mediation, or any other forum we deem appropriate.

Reporting Fraud or Illegal Services
Credlocity reserves the right to report any suspected fraud or illegal activities to the appropriate authorities. By using our services, you waive any and all rights, statutory (local, state, or federal), constitutional (federal or state constitution), when Credlocity is reporting illegal activity to law enforcement.

Credit Repair Organizations Act (CROA)
Credlocity operates in compliance with the Credit Repair Organizations Act (CROA). Under the CROA, consumers have the right to receive a written contract that outlines their rights and the services to be provided. You also have the right to cancel the contract without penalty within three business days of signing.

Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. As part of our services, we assist clients in disputing inaccurate or unverifiable information on their credit reports in accordance with the FCRA.

Changes to Terms
We reserve the right to update or modify these Terms of Service at any time without prior notice. Your continued use of our website and services following any changes constitutes your acceptance of the new terms.

Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the state of Pennsylvania, without regard to its conflict of law principles.

Contact Us
If you have any questions or concerns about these Terms of Service, please contact us at:

Address: 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102
Email: admin@credlocity.com
Phone: (267) 225-4198
Payment and Fees

No Upfront Fees for Credit Repair Services: Credlocity does not charge any upfront fees for our credit repair services. You will only be charged for the services once they have been fully performed.
Notary Services Fees: We charge a fee for notary services, which may be subject to change. This fee is necessary for notarizing the power of attorney required to conduct our credit repair services.
Credit Report and Credit Monitoring Fees: Fees for obtaining credit reports and credit monitoring services are separate from our credit repair service fees. These fees are charged by the respective service providers and are your responsibility.
Service Fees: Clients are responsible for paying all service fees associated with the services provided by Credlocity as outlined in the separate written agreement you will enter into upon engaging our services. Failure to make timely payments may result in the suspension or termination of services.
Cancellation and Refund Policy
You may cancel your services with Credlocity at any time by providing written notice. Refunds, if applicable, will be issued in accordance with the terms outlined in your separate written agreement with Credlocity. Certain fees may be non-refundable as specified in your agreement.

Intellectual Property
All content included on this site, such as text, graphics, logos, images, and software, is the property of Credlocity or its content suppliers and protected by copyright and other laws. The compilation of all content on this site is the exclusive property of Credlocity and protected by copyright laws. All software used on this site is the property of Credlocity or its software suppliers and protected by copyright and other laws.

Prohibited Activities
You agree not to use our website or services for any unlawful or prohibited activity. You are prohibited from using the site to compromise security, tamper with system resources or accounts, or engage in any other conduct that could damage, disable, or impair our services or networks.

Disclaimer
The services provided by Credlocity are intended to assist you in improving your creditworthiness. However, we do not provide legal advice or legal representation. The information provided on our website and through our services is for general informational purposes only and should not be construed as legal advice.