Terms and Conditions

Creditsilo provides a proprietary AI-powered dashboard that allows users to monitor personal financial data, simulate "loan readiness," and identify potential inaccuracies in their credit profiles.

All documents generated by the software are for the user's personal use and manual submission.

• ✓
  Right to Dispute: Under the FCRA, you have the right to dispute inaccurate information in your credit report directly with credit bureaus at no cost.
• ✓
  No Legal Representation: Creditsilo does not act as your agent or legal counsel. We provide technology to help you exercise your own rights under the law.
• ✓
  Accuracy: You agree not to use Creditsilo to attempt to remove accurate, verifiable information from your credit history.

We use Stripe for secure payment processing. By subscribing, you agree to the following:

• $
  Recurring Fees: Subscription fees are billed automatically every Month until canceled.
• ✓
  Cancellation: You may cancel at any time via the User Dashboard. Access continues until the end of the paid period.
• ✓
  Refunds: Due to the immediate delivery of digital analytical insights, refunds are granted within 3 days of initial purchase ONLY if no automated documents have been generated.

Creditsilo provides educational analysis. We make no guarantee regarding specific credit score increases, the removal of specific items, or the approval of any loan or credit application by third-party banks.

Your data security is paramount. Creditsilo adheres to the following privacy standards:

• 🔒
  Data Usage: We collect identity and financial data solely to provide the Service. We never sell your data to third-party lenders.
• 🛡
  Security: All data transmissions are protected by AES-256 encryption and SSL technology.
• ⚡
  Third-Party Integration: We utilize secure APIs (e.g., Plaid) to access financial records with your explicit permission.

Creditsilo is not liable for financial decisions made based on software output. Users are encouraged to verify all data with official credit bureau reports.

For support or compliance inquiries, please contact us at:

By providing your mobile phone number and opting in to receive SMS messages from us, you consent to receive recurring text messages related to your account, services, customer support, notifications, and promotional offers where permitted by law.

Message frequency may vary based on your account activity, requests, and communication preferences.

• 💸
  Carrier Charges: Message and data rates may apply according to your wireless carrier's pricing plan. Charges are billed and payable to your mobile service provider.
• ✓
  No Obligation: Consent to receive SMS messages is not a condition of purchasing any goods or services.
• 🛑
  Opt-Out Protocol: You may opt out of receiving SMS messages at any time by replying STOP to any message. Upon receipt of your opt-out request, you may receive a final confirmation message. After opting out, you will no longer receive SMS messages from us except where required for administrative or transactional purposes.
• ❓
  Support: For assistance, reply HELP to any message or contact our customer support team.