Welcome to Manage Credit Wisely. These Terms and Conditions govern your use of our website and financial services. By accessing or using our services, you agree to be bound by these terms.
1. Acceptance of Terms
By creating an account, applying for services, or using our website, you confirm that you are at least 18 years old, a US resident or citizen, and have the legal capacity to enter into binding agreements.
2. Services Description
Manage Credit Wisely provides financial advisory, loan brokering, insurance comparison, and investment management services. We act as an intermediary between clients and licensed financial institutions. Specific loan terms, insurance coverage, and investment returns are subject to approval by our partner institutions.
3. User Accounts
You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must notify us immediately of any unauthorized access.
4. No Guarantee of Approval
While we strive to secure the best terms for our clients, we do not guarantee loan approval, specific interest rates, insurance coverage acceptance, or investment returns. All financial products are subject to underwriting and eligibility requirements.
5. Fees and Payments
Advisory fees are billed monthly in advance. Loan and insurance services may be compensated through commissions paid by partner institutions. All fees are disclosed upfront before service commencement.
6. Investment Risks
All investments carry risk, including potential loss of principal. Past performance does not guarantee future results. We provide guidance but final investment decisions are yours. We recommend consulting with a tax professional regarding investment-related tax implications.
7. Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Manage Credit Wisely and protected by copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.
8. Prohibited Conduct
You agree not to: provide false information, attempt to gain unauthorized access, use our services for illegal purposes, interfere with our systems, or misrepresent your identity or financial situation.
9. Limitation of Liability
To the maximum extent permitted by law, Manage Credit Wisely shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
10. Indemnification
You agree to indemnify and hold harmless Manage Credit Wisely, its officers, directors, and employees from any claims, damages, or expenses arising from your violation of these terms or misuse of our services.
11. Termination
We reserve the right to suspend or terminate your account at our discretion for violation of these terms. Advisory plans can be canceled by either party with 30 days' written notice.
12. Governing Law
These terms are governed by the laws of the State of Hawaii, USA, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Hawaii.
13. Dispute Resolution
Any disputes arising from these terms shall first be attempted to be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association.
14. Changes to Terms
We reserve the right to modify these terms at any time. Material changes will be communicated via email or prominent notice on our website. Continued use after changes constitutes acceptance.
15. Contact Information
For questions about these Terms & Conditions:
Email: info@managecreditwisely.com
Phone: (904) 8565-3523
Address: P-106 Palahia St #12, Kapolei, Hawaii 96707, USA
