Terms of Service

These Terms of Service (“Terms”) govern your use of all websites, products, and services owned by Blackwell Harbor, Inc., including Credit Repair Mastery and CareerSaver.ai.

By accessing or using any of our Services, you agree to these Terms.

1. Eligibility & Use of Services

You must be:

• At least 18 years old, and
• Capable of entering into legally binding agreements.

You agree not to misuse our Services or violate these Terms.

2. No Legal, Financial, or Credit Advice

Blackwell Harbor provides educational information only. We do not:

• Provide legal advice
• Provide financial advice
• Guarantee credit score outcomes
• Guarantee loan approvals
• Guarantee employment results

Results vary by individual situation.

3. Accounts & Security

When creating an account, you agree to:

• Provide accurate information
• Keep your password secure
• Not share your account with others
• Be responsible for all activity under your account

We may suspend or terminate accounts at our discretion.

4. Payments, Billing & Refunds

• You authorize us to charge your selected payment method
• Subscriptions renew automatically unless canceled
• Refund policies are displayed at checkout for each product
• Filing fraudulent chargebacks may result in account termination

5. AI Tools & Digital Services

Our AI-powered tools (including those in CareerSaver.ai and other programs) are:

• Provided “as is”
• For educational and informational purposes
• Not guaranteed to be fully accurate
• Not a substitute for professional advice

You agree not to copy, scrape, or reverse-engineer any AI systems.

6. Intellectual Property

All content, branding, design, AI models, trademarks, and digital materials are the exclusive property of Blackwell Harbor. You may not:

• Reproduce
• Distribute
• Sell
• Modify
• Create derivative works

without written consent.

7. Third-Party Partners

We may connect you with:

• Lenders
• Credit partners
• Insurance providers
• Employment or education partners

Blackwell Harbor is not responsible for decisions, offers, outcomes, or terms provided by third parties.

8. Limitation of Liability

To the fullest extent allowed by law:

• Blackwell Harbor is not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount you paid us in the past 12 months
• Services are provided “as is” and “as available”

9. Indemnification

You agree to indemnify and hold harmless Blackwell Harbor, its officers, employees, and affiliates against any claims arising from:

• Your use of the Services
• Your violation of these Terms
• Your interaction with third-party partners

10. Governing Law

These Terms are governed by the laws of Delaware. Any disputes will be resolved in courts located in that jurisdiction.

11. Termination

We may suspend or terminate your access at any time for:

• Violating these Terms
• Fraudulent behavior
• Chargebacks
• Harassment or abuse
• Misuse of Services

You may cancel your account anytime by contacting support.

12. Amendments

We may update these Terms periodically. Continued use of the Services constitutes acceptance.

Contact Information

For legal questions or support: