Terms of Service

Effective Date: September 26, 2026

These Terms of Service (“Terms”) govern your use of BetterQualified.net and any related online forms, communications, educational materials, assessments, and services made available by Better Qualified, LLC (“Better Qualified,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms.

1. About Better Qualified

Better Qualified provides credit education and credit-related services designed to help consumers better understand and work toward their credit and financial goals. Certain paid services may be governed by a separate written service agreement. If a separate agreement conflicts with these website Terms, the separate agreement will control for those services.

2. No Guarantee of Results

Credit profiles, creditor responses, credit bureau actions, scoring models, lender requirements, and individual circumstances vary. Better Qualified does not guarantee a specific credit score increase, deletion of any particular item, approval for financing, interest rate, funding amount, or other financial outcome.

3. Educational Information

Content on this website is provided for general informational and educational purposes. It is not legal, tax, investment, accounting, or individualized financial advice. You should consult an appropriate licensed professional when you need advice specific to your situation.

4. Your Information and Responsibilities

You agree that information you submit to Better Qualified is accurate and belongs to you or that you are authorized to provide it. You are responsible for reviewing information, documents, and account activity related to your services and for notifying us if your contact information changes.

5. Communications Consent

When you provide your phone number or email address and affirmatively consent to communications, you authorize Better Qualified to contact you regarding your inquiry, assessment, account, requested services, appointments, follow-up, and related customer service by phone, text message, and email.

Message and data rates may apply. Message frequency may vary. You may opt out of marketing text messages at any time by replying STOP. You may request help by replying HELP or by contacting Better Qualified directly. Consent to receive marketing communications is not a condition of purchasing services where prohibited by applicable law.

6. Credit Reports and Third-Party Information

Information obtained from credit bureaus, creditors, lenders, data providers, or other third parties is controlled by those third parties. Better Qualified is not responsible for errors, delays, outages, or decisions made by third-party providers.

7. Third-Party Services and Links

This website may use or link to third-party services, including communications platforms, customer relationship management systems, analytics providers, payment processors, credit-related providers, Google services, and other technology vendors. Your use of those services may also be subject to their own terms and privacy policies.

8. Acceptable Use

You may not use this website to violate any law, impersonate another person, submit fraudulent information, interfere with site security or operation, attempt unauthorized access, distribute malicious code, scrape or misuse website content, or use our systems for unlawful or abusive activity.

9. Intellectual Property

The Better Qualified name, branding, website design, written content, graphics, videos, software, and other materials are owned by or licensed to Better Qualified unless otherwise stated. You may not reproduce, distribute, modify, or commercially exploit our materials without written permission.

10. Website Availability

We work to keep our website and systems available and accurate, but we do not guarantee uninterrupted access. We may update, suspend, restrict, or discontinue portions of the website or services when reasonably necessary.

11. Limitation of Liability

To the fullest extent permitted by law, Better Qualified will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website or reliance on website content. Nothing in these Terms limits rights or remedies that cannot lawfully be limited.

12. Indemnification

To the extent permitted by law, you agree to be responsible for losses or claims arising from your unlawful misuse of the website, violation of these Terms, or infringement of another person’s rights.

13. Privacy

Our collection and use of personal information is governed by our Privacy Policy. Please review the Privacy Policy together with these Terms.

14. Changes to These Terms

We may update these Terms from time to time. The current version will be posted on this page with an updated effective date. Continued use of the website after an update constitutes acceptance of the revised Terms to the extent permitted by law.

15. Governing Law

These Terms are governed by applicable federal law and the laws of the State of New Jersey, without regard to conflict-of-law principles, except where another law must apply.

16. Contact Us

If you have questions about these Terms, contact Better Qualified, LLC through BetterQualified.net or using the contact information provided on our website.