Legal & Compliance
Please read the following disclosures carefully.
About CreditBuilderAI
CreditBuilderAI is a customer onboarding, tracking, and educational platform. It is not a credit repair organization, law firm, or financial advisory service. CreditBuilderAI does not dispute credit items, negotiate debts, or provide legal or financial advice of any kind.
Credit Monitoring Services
Credit monitoring, credit reports, identity monitoring, and related credit services are provided through third-party providers including IDIQ (Identity Intelligence Group). CreditBuilderAI is not affiliated with IDIQ and does not control the services, pricing, or terms offered by IDIQ or any other third-party provider.
No Guarantee of Results
CreditBuilderAI does not guarantee credit score increases, financing approvals, loan approvals, or specific lending terms. Results vary by customer based on individual credit history, account activity, and other personal financial factors. Any educational guidance provided through the platform is informational only.
Educational Platform Only
All content provided through CreditBuilderAI — including AI-generated analyses, action plans, progress tracking, and credit-building strategies — is for educational and informational purposes only. Nothing provided by CreditBuilderAI constitutes legal advice, financial advice, or credit repair services as defined under the Credit Repair Organizations Act (CROA).
Data & Privacy
CreditBuilderAI collects limited personal information (name, email, phone) for the purpose of manager-assisted customer onboarding and tracking. This information is not sold to third parties. Customer data is maintained securely and used only to support the onboarding and monitoring process.
Manager & Dealership Use
CreditBuilderAI is intended to be used by authorized dealership personnel and finance managers to assist customers through the credit monitoring enrollment process. Any misuse, unauthorized access, or fraudulent enrollment activity is strictly prohibited.
Third-Party Services
By clicking 'Start Credit Monitoring' or completing the enrollment form, customers are directed to third-party enrollment pages (including IDIQ) that have their own terms of service, privacy policies, and billing terms. CreditBuilderAI is not responsible for the content, availability, or accuracy of those third-party services.
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