Terms of Service
Last updated: April 2026
Welcome to ScoreZero. By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
1. Service Description
ScoreZero is a free AI-powered credit rebuilding tool designed to help users understand and improve their credit after bankruptcy or other financial setbacks. Our platform provides personalized guidance, educational content, and product recommendations to support your credit rebuilding journey.
2. Eligibility
You must be at least 18 years of age and a resident of the United States to use ScoreZero. By using our services, you represent and warrant that you meet these eligibility requirements. We reserve the right to verify your eligibility at any time and to refuse service to anyone who does not meet these criteria.
3. User Responsibilities
You are responsible for providing accurate and complete information when using ScoreZero. You agree not to misuse the service, including but not limited to: attempting to gain unauthorized access to our systems, using the service for any unlawful purpose, interfering with other users' use of the service, or submitting false or misleading information. You are solely responsible for any actions taken based on the information provided through our platform.
4. Disclaimers
ScoreZero is not a financial advisor, credit counselor, or credit repair organization. The information and recommendations provided through our platform are for educational and informational purposes only and do not constitute financial, legal, or credit repair advice. ScoreZero is not a credit repair organization as defined under the Credit Repair Organizations Act (CROA), and we do not provide credit repair services.
We do not guarantee any specific outcomes, including improvements to your credit score, approval for credit products, or the resolution of any financial issues. You should consult with a qualified financial professional before making any financial decisions.
Our services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
5. Limitation of Liability
To the fullest extent permitted by applicable law, ScoreZero and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of or inability to use our services. In no event shall our total liability exceed one hundred dollars ($100).
6. Affiliate Relationships
ScoreZero may recommend third-party financial products and services. Some of these recommendations contain affiliate links, meaning we may earn a commission if you apply for or purchase a product through our links. These affiliate relationships do not influence the personalized guidance we provide, and we strive to recommend products that genuinely align with your credit rebuilding goals. You are under no obligation to use any affiliate link or purchase any recommended product.
7. Intellectual Property
All content, features, and functionality on ScoreZero, including but not limited to text, graphics, logos, icons, images, software, and the overall design of the platform, are the exclusive property of ScoreZero and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or publicly display any content from ScoreZero without our prior written consent.
8. Email Communications
By providing your email address, you consent to receive emails from ScoreZero, including service-related notices, product recommendations, educational content, and promotional materials. You may opt out of promotional emails at any time by clicking the unsubscribe link included in each email. Please note that even after opting out, you may still receive transactional or service-related communications.
9. Termination
We reserve the right to suspend or terminate your access to ScoreZero at any time, with or without cause and with or without notice. Upon termination, your right to use the service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, and limitations of liability.
10. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms shall be brought exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of such courts.
11. Changes to These Terms
We may update these Terms of Service from time to time. When we make changes, we will revise the “last updated” date at the top of this page. Your continued use of ScoreZero after any changes constitutes your acceptance of the updated terms. We encourage you to review these terms periodically.
12. Contact
If you have any questions about these Terms of Service, please contact us at hello@scorezero.com.