Terms of Service

These Terms of Service ("Terms") govern your use of credicoach.com and the forms, resources, and messages provided by Fovere Holdings LLC, doing business as CrediCoach ("CrediCoach," "we," "us"). By using this website or submitting a form, you agree to these Terms. If you do not agree, please do not use the site.

Our services

CrediCoach provides credit repair, credit education, and business funding guidance. Credit repair services are provided only under a separate written agreement, which you will review and sign before any work begins. If anything in these Terms conflicts with your signed service agreement, your service agreement controls.

Our programs are not available to residents of Georgia.

No guarantee of specific results

Information on this website is general and educational. It is not legal, tax, or financial advice. We do not guarantee the removal of any item from your credit report, any change in your credit score, or approval for any loan or credit product. Accurate, current, and verifiable information cannot legally be removed from a credit report. Our 110% money-back guarantee is a refund policy with conditions described in your service agreement.

Your rights under federal law

You have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost. Before signing a credit repair agreement, you will receive the federal Consumer Credit File Rights disclosure, and you may cancel that agreement within 3 business days of signing without penalty.

SMS Terms (CrediCoach text messages)

Program: CrediCoach text messages from Fovere Holdings LLC, doing business as CrediCoach. When you check a consent box on one of our forms, you agree to receive text messages from CrediCoach at the phone number you provided. Messages may include delivery of free resources you request (such as our free guide), follow-ups about our credit services, account updates, and dispute progress updates for clients.

Message frequency: Message frequency varies based on your requests and your use of our services.

Cost: As always, message and data rates may apply for any messages sent to you from us and to us from you.

Opt out: You can cancel the SMS service at any time. Just text "STOP" to (727) 334-2716, or reply STOP to any message from us. After you send STOP, we will send one message to confirm you have been unsubscribed, and you will no longer receive text messages from us. To join again, sign up as you did the first time.

Help: If you are having trouble with our messages, you can reply with the keyword HELP for more assistance, or you can get help directly at thecredicoach@gmail.com or (727) 334-2716.

Consent is optional: Consent to receive text messages is not a condition of any purchase.

Carriers: Carriers are not liable for delayed or undelivered messages.

Privacy: If you have any questions regarding privacy, please read our privacy policy: credicoach.com/privacy.

Free resources

Free guides and other resources we send are for your personal, non-commercial use. Requesting a free resource does not obligate you to buy anything.

Using this website

You agree to provide accurate information on our forms and not to misuse the site, attempt to disrupt it, or access it in ways it was not intended to be used. All content on this site belongs to Fovere Holdings LLC and may not be copied for commercial use without permission.

Third-party links and services

Our site links to sign-up pages, forms, and other services run by third parties. We are not responsible for their content or practices.

Limitation of liability

To the extent permitted by law, CrediCoach and Fovere Holdings LLC are not liable for indirect, incidental, or consequential damages arising from your use of this website. Nothing in these Terms limits any rights you have under the Credit Repair Organizations Act or other laws that cannot be waived.

Governing law

These Terms are governed by the laws of the State of Arizona, except where federal law applies.

Changes

We may update these Terms from time to time. The effective date at the top shows when they were last changed.

Contact us

CrediCoach (Fovere Holdings LLC)
1150 South Jay Street, Chandler, AZ 85286
Email: thecredicoach@gmail.com
Phone: (727) 334-2716