Read and download our terms and conditions. Please choose your product below to view the appropriate Terms & Conditions.
Remember, you are the first line of defense in protecting yourself against theft and consumer fraud. But if you need us, we are always here. Please contact Support via email with concerns, comments or questions.
Protect Yourself from Scams
At Creditcare, we’re committed to your financial security. We believe the success of the marketplace is tied to your financial safety and strive to exceed industry standards for privacy and security. You also play a crucial role in safeguarding your information.
Scammers often try to trick consumers by pretending to be employees of financial companies like Creditcare. If someone contacts you asking for information or offering a service, be aware that:
- We will never email you to collect your bank account number, credit card information, Social Security number, or date of birth.
- We will never ask you to download software in an email.
- We will never call or email you to confirm or change your password.
- We will never call you and ask for your credit card or debit card information.
- We will never call or email you to ask for an advance fee in exchange for a loan or payment plan.
If you have concerns about whether an email or phone call that seems like it’s from Creditcare is legitimate, you can always contact us to make sure. To learn more about how we protect your financial information, review our Privacy Policy.
Advance fee scams, a type of consumer fraud, are becoming increasingly common. Scammers ask for money up front, in exchange for the “promise” of a loan that they never deliver.
- Don’t pay money for the “promise” of a loan. Ignore any advertisement or hang up on any cold caller who “guarantees” a loan in exchange for a fee paid in advance.
- Remember that it is very uncommon for a lender to guarantee that you will receive a loan before you apply, especially if you have bad credit or no credit history at all. Lenders will almost always check your credit status before offering you a loan.
- Beware of anyone who pressures you to “act immediately” by sending money or personal information.
- Never send money, whether by prepaid debit card, wire or money order, before you receive the actual proceeds of the loan. Most lenders won’t ask you to send funds in advance, and you will have little to no protection if you do.
- Always make sure you are dealing with a reputable company before you give out sensitive financial information. If you have any suspicions, get the company’s contact information directly from their website and call them to make sure you’re dealing with the company you think you’re dealing with.
Terms of Use
CUSTOMER COMMUNICATIONS: By accepting these Terms of Use, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.
You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your numbers and not someone else’s. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number.
Creditcare and other Company graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks, trademarks or trade dress of the Company in the U.S. and/or other countries. The Company’s trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of the Company.
None of Company’s, its parent, any of its affiliates, subsidiaries, providers or their respective officers, directors, employees, agents, independent contractors or licensors (collectively the “Creditcare Parties”) guarantees the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of any of the Content and the Creditcare Parties disclaim liability for errors or omissions in the Content.
This Site and all of the Content is provided “as is” and “as available,” without any warranty, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement or title. Additionally, there are no warranties as to the results of your use of the Content. The Creditcare Parties do not warrant that the Site is free of viruses or other harmful components. This does not affect those warranties which are incapable of exclusion, restriction or modification under the laws applicable to this Agreement.
The Company does not guarantee the accuracy of any User Content or Third Party Content. Although we provide rules for User conduct and postings, we do not control and are not responsible for what Users post on the Site and are not responsible for any offensive, inappropriate, obscene, unlawful or otherwise objectionable content you may encounter on the Site or in connection with any User Content or Third Party Content. The Company is not responsible for the conduct, whether online or offline, of any User of the Site or Service. The Company cannot guarantee and does not promise any specific results from use of the Site and/or the Service to obtain a loan.
The Site and the Service may be temporarily unavailable from time to time for maintenance or other reasons. The Company assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, User communications. The Company is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or on the Site or combination thereof, including injury or damage to Users or to any other person’s computer related to or resulting from participating or downloading materials in connection with the Web and/or in connection with the Service. Under no circumstances will the Company be responsible for any loss or damage, including any loss or damage to any User Content, financial damages or lost profits, loss of business, or personal injury or death, resulting from anyone’s use of the Site or the Service, any User Content or Third Party Content posted on or through the Site or the Service or transmitted to Users, or any interactions between Users of the Site, whether online or offline.
The Company reserves the right to change any and all content contained in the Site and any Services offered through the Site at any time without notice. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Company.
By visiting or using the Site and/or the Service, you agree that the laws of the State of California, without regard to any principles of conflict of laws that would require or permit the application of the laws of any other jurisdiction, will govern these Terms of Use. If you obtain a loan, the terms of the loan will be governed by federal laws and the laws of the state of Utah to the extent not preempted, without regard to any principle of conflicts of laws that would require or permit the application of the laws of any other jurisdiction.
Your privacy is protected. Creditcare strongly protects your personal and financial information. We’re committed to transparency.
This policy describes how Creditcare collects, aggregates, and uses the information provided by you through our website, www.creditcaretech.com, as well as information collected offline. We take your privacy and the security of your information seriously. This policy explains:
- What information we collect and aggregate, and how we use it
- Choices you can make about the way your information is collected, aggregated, and used
- How we protect personal information electronically and physically
This policy is incorporated into and a material term of your registration and/or use of Creditcare products and services, including our website, www.creditcaretech.com.
You agree to indemnify and hold the Company, its subsidiaries and affiliates, and each of their directors, officers, agents, contractors, partners and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney’s fees, arising out of or in connection with your User Content, any Third Party Content you post or share on or through the Site, your use of the Service or the Site, your conduct in connection with the Service or the Site or with other Users of the Service or the Site, or any violation of these Terms of Use or of any law or the rights of any third party. The previous sentence shall not apply to any extent to Users while acting as an investor member or while registering as an investor member in connection with their (i) posting of User Content or (ii) use of the Site or Service.
The failure of the Company to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision in that or any other instance. If any provision of these Terms of Use is held invalid, the remainder of these Terms of Use shall continue in full force and effect. If any provision of these Terms of Use shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.