Welcome to Take Off Credit Inc. ("Take Off Credit," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website, mobile app, and services (collectively, the "Services"). By creating an account or using the Services, you agree to these Terms and our Privacy Policy.

If you do not agree, do not use the Services.

1. About Take Off Credit

• Take Off Credit Inc. is a financial technology company that provides consumers with tools to help build or improve their credit through credit builder subscription plans ("Booster Plans").
• Take Off Credit is not a bank, credit bureau, or lender.
• Banking and reporting services are provided by our third-party financial partners and credit bureaus.

2. Eligibility

To use the Services, you must:

• Be at least 18 years of age (or the age of majority in your state);
• Be a U.S. resident with a valid address;
• Have a valid Social Security Number or ITIN;
• Have a U.S.-based checking or savings account; and
• Provide accurate and verifiable personal information.

You agree that all information you provide will be truthful and up to date.

3. Account Registration

To access Take Off Credit, you must create an account. You agree to:

• Provide accurate, current, and complete information;
• Keep your credentials secure; and
• Notify us immediately of unauthorized access.

You are responsible for any activity under your account.

4. Credit Builder Plans ("Booster Plans")

Take Off Credit offers subscription-based Booster Plans that report your on-time payments to one or more credit bureaus to help build your credit profile.

4.1 Plan Details

• Each Booster Plan includes a fixed monthly subscription fee and credit builder account limit, as described in the plan you select.
• Payments are made monthly by debit or credit card, or via ACH authorization.

4.2 Plan Duration

Your subscription continues month to month until canceled by you or terminated by Take Off Credit.

4.3 Late or Missed Payments

Missed or late payments may result in suspension or cancellation of your plan and could negatively impact your credit profile.

5. Subscription Payment Authorization Agreement

By enrolling in a Booster Plan, you authorize Take Off Credit Inc. to:

• Initiate electronic payments (ACH or debit/credit card) from the payment method you provide;
• Process recurring payments for your plan fees; and
• Charge applicable fees, including late payment or add-on service fees.

You understand and agree that:

• Payments will be automatically charged on the billing date shown in your dashboard.
• If a payment fails, Take Off Credit may reattempt the charge or contact you for an alternate payment method.
• You may cancel auto-pay at any time by disabling it in your account settings or by contacting us at support@takeoffcredit.com.

This authorization remains in effect until your plan is canceled and all outstanding balances are paid.

6. Credit Reporting Disclosure Notice

Take Off Credit may report your account activity to one or more of the major credit bureaus, including TransUnion, and may expand to Equifax and Experian.

By using our Services, you acknowledge and agree that:

• Take Off Credit will share information about your account, including payment history and plan status, with credit bureaus.
• Reporting may take up to 30–60 days to appear on your credit report.
• Results may vary — we do not guarantee a specific credit score increase.
• Late or missed payments may negatively impact your credit score.
• You may dispute inaccurate information reported by Take Off Credit directly with the applicable credit bureau or by contacting disputes@takeoffcredit.com.

7. Fees and Charges

• All plan fees, add-on services, and optional features (such as backdated credit history) are disclosed before purchase.
• Fees are non-refundable except as required by law.
• We may update pricing at any time with reasonable notice.

8. Cancellation

You may cancel your Booster Plan at any time:

• In your Dashboard or Settings; or
• By emailing support@takeoffcredit.com.

After cancellation:

• No further payments will be processed;
• Credit reporting will stop; and
• Any remaining balance must be paid in full.

Take Off Credit reserves the right to suspend or cancel your plan for nonpayment, fraud, or misuse.

9. Affiliate Program

• Users may join our Affiliate Program to earn $10 for each new user who signs up using their unique referral link.
• Affiliate activity is tracked in your affiliate dashboard.
• Self-referrals, fraudulent activity, or spam will result in forfeited earnings and account removal.

10. Privacy and Data Security

• Your privacy is important to us. Personal data is handled in accordance with our Privacy Policy.
• We implement reasonable security measures but cannot guarantee complete protection from unauthorized access or cyberattacks.

11. Prohibited Conduct

You agree not to:

• Use the Services for illegal, fraudulent, or deceptive purposes;
• Attempt to gain unauthorized access; or
• Modify, copy, or reverse-engineer our software.

Violation may result in immediate termination and potential legal action.

12. Electronic Communications

• By using our Services, you consent to receive communications electronically, including agreements, notices, and updates.
• You may opt out of marketing communications but will continue to receive essential account notifications.

13. Limitation of Liability

To the fullest extent permitted by law, Take Off Credit Inc. and its affiliates shall not be liable for any:

• Indirect or consequential damages;
• Loss of credit score points, data, or income;
• Delays or failures caused by third parties or technical issues.

14. Disclaimer of Warranties

• The Services are provided "as is" and "as available."
• We make no guarantees regarding credit improvement, score outcomes, or uninterrupted availability of the app.

15. Arbitration and Dispute Resolution

• All disputes arising from these Terms shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
• By agreeing, you waive the right to a jury trial or class action.

16. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law provisions.

17. Changes to These Terms

• We may modify these Terms at any time. Updates will be posted in-app or on our website.
• Continued use of the Services indicates acceptance of the updated Terms.

18. Contact Information