Agreement to Terms
These Terms and Conditions ("Terms") govern your use of the Hi Score Financial website located at hiscorefinancial.com and any related services provided by Hi Score Financial ("Company," "we," "us," or "our").
By accessing our website and engaging our services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our website or use our services.
Services
Hi Score Financial provides credit repair, credit optimization, business credit building, tradeline services, LLC formation, tax assistance, trust assistance, and related financial services. Our services are designed to help clients improve their credit profiles and achieve their financial goals.
We operate in compliance with the Credit Repair Organizations Act (CROA) and all applicable federal and state laws. As required by law, we inform you of the following:
You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly.
You have the right to obtain a copy of your credit report from a credit reporting agency.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
No one can legally remove accurate and timely negative information from a credit report.
Client Responsibilities
As a client of Hi Score Financial, you agree to:
- Provide accurate, complete, and truthful information as required for our services
- Respond to communications from Hi Score Financial in a timely manner
- Refrain from opening new derogatory accounts or taking actions that negatively impact your credit during the repair process
- Make all agreed-upon payments on time according to your service agreement
- Provide updated credit reports and documentation as requested
Payment Terms
Hi Score Financial offers monthly payment plans for our credit repair and financial services. Specific pricing and payment schedules are outlined in your individual service agreement. By enrolling in our services, you agree to the payment terms specified in your agreement.
Payments are due on the dates specified in your service agreement. Late or missed payments may result in a pause or suspension of services until the account is brought current.
Additional charges may apply if new negative items appear on your credit report during the repair process that require additional work beyond the original scope of services.
No Guarantees
While Hi Score Financial is committed to delivering results and will work diligently on your behalf, we cannot and do not guarantee specific outcomes. Credit repair results vary based on individual circumstances, the nature of the items being disputed, and the responses of creditors and credit bureaus.
No credit repair company can guarantee the removal of accurate, timely, and verifiable information from your credit report. Any company that makes such guarantees is in violation of federal law.
Commitment to Completion
Hi Score Financial is committed to remaining engaged with your case until the agreed-upon objectives have been achieved. Our team will continue to work on your credit repair and optimization for the duration of your service agreement, and we do not intentionally prolong timelines.
Intellectual Property
All content on the Hi Score Financial website, including text, graphics, logos, images, and software, is the property of Hi Score Financial and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent.
Limitation of Liability
To the fullest extent permitted by law, Hi Score Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of our services or website. Our total liability to you for any claim arising from or related to our services shall not exceed the total amount you paid to Hi Score Financial for the services giving rise to the claim.
Dispute Resolution
Any disputes arising out of or relating to these Terms or our services shall first be attempted to be resolved through good-faith negotiation. If a resolution cannot be reached, the dispute shall be submitted to binding arbitration in Orange County, California, in accordance with the rules of the American Arbitration Association. The laws of the State of California shall govern these Terms.
Termination
Either party may terminate the service agreement in accordance with the terms outlined in the individual service contract. Hi Score Financial reserves the right to suspend or terminate services if the client fails to meet their responsibilities, including timely payment and providing required documentation. Please refer to our Refund Policy for information regarding refunds upon termination.
Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any modifications constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.
Contact Us
If you have any questions about these Terms & Conditions, please contact us: