ThryveCredit.com - Terms and Conditions of Service

Last Updated: June 15, 2025

Please read these Terms and Conditions ("Terms", "Terms of Service") carefully before accessing, purchasing, and using the ThryveCredit.com website and its associated products and services ("Service") operated by Thryve Credit Solutions LLC ("us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.

1. Nature of Service

ThryveCredit.com provides various products and services ("Service"), which may include, but are not limited to, educational content, digital tools, guides, templates, and AI-powered assistants. These offerings are designed to assist individuals in understanding credit repair principles and strategies.

THE SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL LEGAL OR FINANCIAL ADVICE. We are not a law firm, financial advisor, or credit counseling agency. No information provided through the Service, including AI-generated content or templates, should be construed as legal, financial, accounting, or tax advice. You are solely responsible for ensuring the accuracy, completeness, and applicability of any information you use or act upon, and for seeking professional advice when necessary.

2. Lifetime Access Definition & Conditions

For any product or offering on ThryveCredit.com designated as having "Lifetime Access", this refers to access for the operational lifetime of that specific product or offering as provided by Thryve Credit Solutions LLC.

• Operational Lifetime: This means access for as long as Thryve Credit Solutions LLC continues to own, operate, and make that specific product or offering available to its users.
• No Guarantee of Perpetual Availability: While we intend to provide continuous access to products designated with "Lifetime Access," we do not guarantee their perpetual availability. The "lifetime" of such a product may end if, for example, the product is discontinued, sold, or if technological advancements make its continued operation commercially or technically unfeasible.
• Changes to Service Features: We reserve the right to modify, add, or remove features, content, or functionalities of any part of the Service, including AI components, at any time without prior notice. These changes may occur due to technological advancements, changes in laws or regulations, market conditions, or other operational reasons. While we strive to enhance the Service, some features may evolve or be replaced.
• Platform Changes: The underlying platform or technology used to deliver any part of the Service (e.g., Lovable.ai, Supabase, AI providers) may change. We reserve the right to migrate the Service to different platforms or technologies, which may result in changes to the user interface or technical requirements.
• No Refunds for Service Discontinuation: In the event a product or the Service itself is discontinued or becomes unavailable, you understand and agree that no refunds will be provided for your purchase, as access is defined by the operational life of the product or the Service.

3. AI-Powered Assistant & Content Disclaimer

• Assistive Tool: The AI-powered assistant and AI-generated letters are assistive tools designed to help you prepare documents based on your input and our reference templates.
• Not Human Review: AI-generated content is not reviewed by a human legal professional or financial advisor before presentation to you.
• Potential for Inaccuracies: While the AI strives for accuracy and leverages legal citations from our templates, generative AI can produce errors, inaccuracies, or information that is not current with the latest laws or your specific circumstances.
• User Responsibility for Verification: You are solely responsible for reviewing, verifying the accuracy, and editing any AI-generated letter or advice before use. You must ensure that all details, factual statements, legal citations, and addresses are correct and applicable to your situation.
• No Liability for AI Output: We are not liable for any damages, losses, or negative outcomes resulting from the use or reliance on AI-generated content or advice.

4. User Responsibilities

• Accurate Information: You are responsible for providing accurate and complete information when creating your profile and using the Service.
• Compliance with Laws: You are solely responsible for ensuring that your actions, including the letters you send, comply with all applicable local, state, and federal laws.
• Security: You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
• Prohibited Uses: You agree not to use the Service:
  • In any way that violates any applicable national or international law or regulation.
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way.
  • To transmit any unsolicited or unauthorized advertising or promotional material.
  • To impersonate or attempt to impersonate Thryve Credit Solutions LLC, a Thryve Credit Solutions LLC employee, another user, or any other person or entity.
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which, as determined by us, may harm Thryve Credit Solutions LLC or users of the Service or expose them to liability.
  • To introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
  • To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service.

5. Intellectual Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Thryve Credit Solutions LLC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Thryve Credit Solutions LLC.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service, except as generally permitted for personal use within the scope of the Service offerings.

6. Limitation of Liability

In no event shall Thryve Credit Solutions LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

This includes, but is not limited to, any damages or negative impacts on your credit score, financial standing, or legal situation that may arise from your use of the Service, reliance on its content, or the performance (or non-performance) of the AI assistant or its generated outputs.

7. Disclaimer of Warranties

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Thryve Credit Solutions LLC does not warrant that a) the Service will function uninterrupted, secure, or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements or achieve any specific credit repair outcome.

We are not responsible for any failures, interruptions, or delays in the Service caused by factors beyond our reasonable control, including but not limited to internet outages, hosting provider issues, or acts of nature (Force Majeure).

8. Indemnification

You agree to defend, indemnify, and hold harmless Thryve Credit Solutions LLC and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms; or c) your violation of any law or the rights of a third party.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of Arizona, United States, without regard to its conflict of law provisions.

10. Dispute Resolution

Any dispute arising from these Terms or your use of the Service shall be subject to binding arbitration in Phoenix, Arizona, in accordance with the rules of the American Arbitration Association, unless otherwise agreed by both parties.

11. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

12. Contact Us

If you have any questions about these Terms, please contact us at:

• Email: [email protected]
• Phone: 888-448-4798
• Address: 13236 N 7th Street, Suite 4 #619 Phoenix, AZ 85022