Terms of Service

Welcome to the JBRI Credit Group website. By accessing or using our website, client portal, partner portal, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms and Conditions"). If you do not agree to these terms, please do not use our Services.

JBRI Credit Group ("Company," "we," "us," or "our") provides credit repair and credit education services in compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. §1679 et seq. We help consumers understand and improve their credit profiles by identifying inaccurate, incomplete, or unverifiable information on credit reports and disputing such items with the credit bureaus on your behalf.

As required by the Credit Repair Organizations Act:

• You have the right to dispute inaccurate information in your credit report directly with the credit bureaus at no charge.
• No one can legally remove accurate and verifiable information from your credit report.
• You have the right to obtain a copy of your credit report from each of the three major credit bureaus once every 12 months at no charge through annualcreditreport.com.
• You have the right to cancel your contract with JBRI Credit Group within three (3) business days of signing without incurring any charges.
• We do not charge any fees until the promised services have been fully performed.

Client Portal

If you are an active client, you may access our client portal to view your account status, track dispute progress, and communicate with our team. You are responsible for:

• Maintaining the confidentiality of your login credentials.
• All activity that occurs under your account.
• Notifying us immediately of any unauthorized use of your account.

Partner Portal

If you are an approved referral partner, you may access our partner portal to submit referrals, track referral status, and view commission information. Partner accounts are subject to:

• Administrative approval before activation.
• Ongoing compliance with our partner agreement and referral guidelines.
• Our right to suspend or terminate partner accounts for any violation of these terms.

Account Security

We offer passwordless authentication options (magic links and one-time passcodes) in addition to traditional password login. Regardless of your login method, you are responsible for maintaining the security of your account. Do not share your login credentials, magic links, or one-time passcodes with others.

When using our Services, you agree not to:

• Use any robot, spider, or other automatic device, or any manual process, to monitor or copy our web pages or the content contained therein without our prior express written permission.
• Use automated tools (bots, scrapers, crawlers) to access, collect data from, or interact with our website or portals.
• Use any device, software, or routine to interfere with the proper working of our website or any listings, offers, or transactions.
• Take any action that imposes an unreasonable or disproportionately large load on our infrastructure.
• Attempt to gain unauthorized access to any part of our systems, servers, or databases.
• Interfere with or disrupt the operation of our website or services.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Submit false, misleading, or fraudulent information through any form or portal.
• Use our Services for any illegal purpose or in violation of any applicable laws, statutes, ordinances, or regulations.
• Reverse engineer, decompile, or disassemble any part of our website or software.
• Transmit any viruses, malware, or other harmful code.

All content on this website — including text, graphics, logos, designs, images, sounds, information, videos, software, and documents — is the property of JBRI Credit Group or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and view the content on this website for your personal, non-commercial use, provided that: (1) materials are used solely for personal, non-commercial purposes; (2) materials are not modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted, or transmitted in any form without prior express written consent; and (3) all copyright, trademark, and other proprietary notices are retained as they appear in the original materials.

All trademarks, trade names, and service marks displayed on this website are the property of JBRI Credit Group or their respective third-party owners. You may not copy or use any trademark without the prior written consent of JBRI Credit Group or the applicable owner.

Software, documentation, and technical data available through this website may be subject to United States export control laws. You agree not to export or re-export any such materials to any country subject to United States export restrictions.

By providing your mobile phone number on our website, you agree that JBRI Credit Group may send you periodic SMS or MMS text messages containing information, updates, deals, and specials. If you opt in to receive SMS/text messages from JBRI Credit Group:

• You consent to receive text messages at the phone number you provide, including messages sent by automated systems.
• You will receive up to 4 messages per month.
• Message and data rates may apply depending on your mobile carrier and plan.
• You may opt out at any time by replying STOP to any message.
• You may request help by replying HELP to any message.
• Opting in to text messages is not a condition of purchasing any services.
• You agree to notify us promptly of any changes to your mobile number and to update your account accordingly.

Data obtained from you in connection with this SMS service may include your cell phone number, your carrier's name, and the date, time, and content of your messages, as well as other information you provide. We may use this information to contact you and to provide the services you have requested.

Our client and partner portals offer optional browser push notifications:

• Push notifications require your explicit opt-in through the portal interface; they are never enabled automatically.
• Notifications contain account-related information only (login activity, referral updates, account alerts).
• You may manage your notification preferences and registered devices from your portal account settings.
• You may unsubscribe at any time by disabling notifications in your portal account settings or by revoking notification permissions in your browser settings.
• Push notifications are delivered via the standard Web Push protocol directly to your browser — no third-party notification services are used.

Opting in to push notifications is not a condition of using any of our services.

Our website may contain links to third-party websites or services. JBRI Credit Group does not control or endorse these third-party sites and is not responsible for their content, privacy practices, or terms of service. Inclusion of any hyperlink does not imply endorsement of or association with the linked site. Accessing third-party links is entirely at your own risk.

Although JBRI Credit Group has attempted to provide accurate information on this website, it assumes no responsibility for the accuracy of the information. All information provided on this website is provided "as is" with all faults, without warranty of any kind, either express or implied.

To the fullest extent permitted by law, JBRI Credit Group disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that:

• Our Services will be uninterrupted, error-free, or completely secure.
• Information on this website is accurate, complete, or free of errors, omissions, or misrepresentations.
• Any specific results will be achieved through our credit repair services.
• Any particular items will be removed from your credit report.

You acknowledge and agree that: (A) JBRI Credit Group is not responsible for third-party website content and does not endorse such sites; (B) JBRI Credit Group does not guarantee the accuracy of any information and is not responsible for any errors, omissions, or misrepresentations therein; and (C) JBRI Credit Group may change its products, services, and the website at any time without notice or your consent.

To the fullest extent permitted by applicable law, neither JBRI Credit Group nor any of its officers, directors, employees, agents, vendors, or suppliers shall be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including, without limitation, lost profits or revenues, costs of replacement goods, loss of data, loss of revenue, or loss of business opportunities — arising from or related to your use of or inability to use our Services, even if JBRI Credit Group has been advised of the possibility of such damages.

You agree to indemnify, defend, and hold harmless JBRI Credit Group, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of our Services, your violation of these Terms, or your violation of any rights of a third party.

Either party may terminate the use of Services at any time. We reserve the right to suspend or terminate your access to our website, portals, or services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Upon termination, your right to use our Services will immediately cease. Provisions of these Terms that by their nature should survive termination shall remain in effect.

JBRI Credit Group reserves the right to improve, modify, add, or remove any information, features, or content on this website at any time. We may also discontinue or revise any or all other aspects of the website in our sole discretion and without prior notice.

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our Services shall be resolved exclusively in the state or federal courts located in Sheridan County, Wyoming.

Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including this paragraph.

We may update these Terms of Use from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Modifications will become effective upon publication on this website and will affect subsequent actions, communications, or transactions by visitors. Your continued use of our Services after any changes constitutes your acceptance of the updated Terms. You are responsible for reviewing these Terms each time you use the Services.

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the invalid provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision. The remaining provisions shall continue in full force and effect.

JBRI Credit Group does not render legal advice or legal services.