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This website – HTTPS://CREDITMANAGER.IO (the “Site”) is being made available to you free-of-charge. The terms “you”, “your,” and “yours” refer to anyone accessing, viewing, browsing, visiting or using the Site. The terms “CREDITMANAGER.IO,” “we,” “us,” “our,” and “Provider” refer to CREDITMANAGER.IO together with its affiliates. We reserve the right to change the nature of this relationship at any time and to revise these Terms and Conditions from time to time as we see fit.

As such, you should check these Terms and Conditions periodically. Changes will not apply to any orders we have already accepted unless the law requires. If you violate any of the terms of these Terms and Conditions you will have your access canceled and you may be permanently banned from accessing, viewing, browsing and using the Site. Your accessing, viewing, browsing and/or using the Site after we post changes to these Terms and Conditions constitutes your acceptance and agreement to those changes, whether or not you actually reviewed them. At the bottom of this page, we will notify you of the date these Terms and Conditions were last updated.

Submitting a payment through this Site or via invoice through any payment method referencing the Client Nurturing System paid to Credit Manager, Inc. for services as described below will constitute your acceptance of these Terms and Conditions. If you do not agree to abide by these terms, please do not submit payment.

DEFINITIONS

  1. Agreement: The terms of services and conditions set forth herein.
  2. Advocate: The party, or agent of, purchasing a business product and entering into agreement with Credit Manager, Inc.
  3. Provider: Credit Manager, Inc., a company incorporated in Texas and our principal place of business is located at 5900 Balcones Drive # 27712, Austin, TX 78731.
  4. Client Nurturing System (CNS): Automated system designed by Provider to manage and assign Advocate’s financing leads to other credit repair companies for credit repair services nationwide. The CNS objective is to communicate with customers subscribed to the CNS platform on autopilot and return these leads to Advocates when lead’s credit worthiness is more likely to be approved by Advocate’s financial department or partner.

RECITALS

  1. Provider presents a lead management program called the Client Nurturing System (CNS) to help nurture prospective customers denied for financing due to credit report data to connect with credit repair agencies within Provider’s network. This management program requires the continuation of ongoing monthly management fees detailed in this Agreement to continue automated messages, notifications and technical/administrative management. Failure to continue paying for the required monthly management fee upon designated dates will result in the removal from the network and supported services.
  2. Advocate understands that by submitting payment for services by Provider, both Advocate and Provider must operate in full compliance with federal laws such as TSR (Telemarketing Sales Rule), CROA (Credit Repair Organization Act), FCRA (Fair Credit Reporting Act), Consumer Privacy and other local laws as necessary. Advocate’s failure to comply may result in immediate termination of services with no refunds.

TERM

This Agreement will take effect upon its execution by all parties hereto (“Effective Date”) until canceled or terminated pursuant to Termination of Usage hereof.

FINANCIAL TERMS & FEES

  1. Setup Plan. Setup plan purchased by Advocate determines the number of managed locations, the number of user account access, the number of phone numbers provided, the number of tracking forms and number of communication platform access.
  2. Setup Fee. A setup fee paid to Provider for Advocate’s account setup, integration and CNS platform access. Prices and promotions are subject to change.
  3. Deposit. A deposit is not required, but may or may not have been collected. If a deposit was collected, it will be applied towards the Setup Fee.
  4. Lead Management Fee Model. This model defines the available service plans, service cost, leads managed, Twilio credits, allowed calls, allowed messages and allowed notifications. 
LEAD MANAGEMENT FEE MODEL
PLAN
COST
MANAGED
CREDIT
CALLS
MESSAGES
NOTIFICATIONS
Bronze
$199/month
Up to 100
$25/month
Unlimited
Unlimited
Unlimited
Silver
$799/month
Up to 500
$100/month
Unlimited
Unlimited
Unlimited
Gold
$1,299/month
Up to 1,000
$150/month
Unlimited
Unlimited
Unlimited
Platinum
$1,299/m + $1/Lead
1,001+
$150/month
Unlimited
Unlimited
Unlimited
  1. Plan. The required Service Plan is an ongoing monthly subscription service determined by how many leads are actively managed in Advocate’s CRM (Client Requisition Manager) via the platform known as Go High Level (GHL), a 3rd party CRM software, provided by Provider.
  2. Cost. Unless stated otherwise, the monthly service cost is charged automatically in advance based on the Service Plan assigned and subscribed. Changes in Service Plan and cost is dependent on how many leads are being managed at the time of Plan Evaluation Period, described below.
  3. Plan Evaluation Period. All plans are charged continuously each month automatically until a Plan Evaluation Period, conducted by Provider, determines an upgrade or downgrade of Service Plan is necessary. This evaluation period takes place at most 5 days before each Service Plan or Trial period ends.
  4. Managed. Leads Managed are the number of leads that submitted the inquiry form on Advocate’s provided landing page and put into the CNS system. Advocate acknowledges and agrees that the above fee structure should not be considered a financial performance representation.
  5. Credit. Advocate will have a monthly allowance of Twilio Credits assigned based on the service plan subscribed by Advocate. Twilio Credits are deducted based on messages and calls made by Advocate and/or Advocate’s automated system through the GHL platform. Exceeding the default credits for each plan will be billed at the end of each calendar month via a separate invoice and must be paid within 7 days. Failure to clear invoice will result in service hold or termination.
  6. Calls. Advocates can make as many calls as possible dependent on the Twilio Credits allotted.
  7. Messages. Advocates can send as many SMS text messages as possible dependent on the Twilio Credits allotted.
  8. Notifications. Advocates can receive as many notifications as possible with no dependency on the Twilio Credits allotted.
  9. 90-Day Trial. Advocate will receive a 90-day trial of the CNS system after Setup Fee is paid in full. The 90-day trial begins on Advocate’s CNS launch date. Advocate may request a launch date extension of no more than 5 business days. Unless otherwise stated, this 90-Day Trial covers the Lead Management Fee Service Plan’s monthly fees for 90 days at no additional cost to Advocate. Advocate must begin monthly subscription to pay for the assigned Service Plan as described above in 4. Lead Management Fee Model within 3 business days of trial plan expiration date. Failure to pay and/or subscribe to pay monthly plan will result in immediate termination and removal from Provider’s services and network. Access will be revoked and CNS messaging/notification will be halted immediately.
  10. Deferred Setup Plan. This term applies exclusively to Advocates purchasing a Deferred Setup Plan. This plan defers the required Setup Fee to be paid 90 days after CNS launch date at 120% of the default Setup Fee. Advocate will not receive a 90-day free trial. Deferred Setup Plans require an initial payment equivalent to the Bronze Service Plan to begin CNS system setup and access. A paid monthly subscription plan is required to continue services no later than 35 days after CNS launch date. Advocate may request a launch date extension of no more than 5 business days. Failure to pay and/or subscribe to pay for assigned Service Plan will result in immediate termination and removal from Provider’s services and network. Access will be revoked and CNS messaging/notification will be halted immediately. Advocate must submit payment for the Deferred Setup Fee no later than 95 days from Launch Date. Failure to pay for Deferred Setup Fee and/or continuation of payment of monthly plan will result in immediate termination and removal from Provider’s services and network. Access will be revoked and CNS messaging/notification will be halted immediately.

DELIVERABLES

  1. Landing Page Creation. A landing page will be created on the assigned credit repair agency domain or on Provider’s network domain at creditmanager.io as necessary. This landing page will include Advocate’s logo, business address and terms related to the voucher Advocate wishes to provide to qualifying customers. This landing page will have a unique inquiry form referencing Advocate’s GHL sub-account survey form known as the “My-Why Questionnaire” that will initiate the agency assignment and processing of leads who request credit repair services.
  2. CRM Access. Advocate will receive access to a GHL sub-account, a 3rd party CRM platform, to review submitted leads and communication. Advocate may use this platform to communicate with leads via text and/or email.
  3. Lead Management. Advocate is responsible for sharing landing pages with prospects and having prospects submit the form to be added into the CNS system. Provider will not provide leads to Advocate’s CNS system.
  4. Voucher Management. Provider will disperse branded vouchers matching Advocate’s branding upon customer request. Vouchers will have valid dates and matching code sent to both Advocate and corresponding customer via email. Voucher value and redemption is at Advocate’s discretion and responsibility.

LAUNCH DATE

The Launch Date for Advocate’s landing page and GHL access will be 3-5 business days after a CNS Onboarding Submission form is submitted by Advocate. Advocate will not hold Provider accountable to the estimated Launch Date due to circumstances such as additional requests, changes/implementation or delays caused by Advocate response or payment.

CANCELLATION

Advocate may cancel services with Provider at any time by submitting a request via email to advocate@creditmanager.io without penalty. There are no cancellation fees or minimum monthly subscription requirements.

REFUND POLICY

Upon cancellation request, if CNS setup has not begun for Advocate, a full refund of setup fee and/or deposit will be issued. If work was initiated before cancellation request is received, a partial refund of setup fee and/or deposit may be issued at Provider’s discretion dependent on work completed up to the point of cancellation. There are no refunds for a setup fee and/or deposit after Advocate’s CNS launch date and CNS system is complete. There are no refunds or partial refunds for any paid service plans.

GUARANTEES

Provider makes no guarantees that leads provided by Advocate will return and/or will be more qualified for financing. Provider cannot force customers to return to Advocate nor can Provider guarantee to improve the credit report and scores for any customers. Such an act is illegal and against the FTC’s Credit Repair Organization Act.

OWNERSHIP

Advocate will own all provided lead data submitted into the CNS system originating from Advocate’s provided landing page at all times, such as customer name, phone, and email, but will not have any ownership of the CNS system or assets provided by Provider. Provider will retain ownership of all trade secrets, procedures, software integrations, programs and systems built to manage or setup integrations within Advocate’s website, landing page or other software and digital platforms. Provider agrees to not share, sell, trade, transfer, and/or disclose any of Advocate’s customer data to any party or individual outside of Provider’s direct staff or associated partner or resource in the assistance of providing credit repair services such as, but not limited to disputing, mailing, and/or auditing of credit reports.

MARKETING RIGHTS

Advocate agrees and understands that Provider may share information about Advocate to the general public relating to services rendered such as branding, website design, sales, development, marketing and management for Advocate. Advocate agrees to allow Provider to display Advocate’s logos, company name, website, monthly revenue, and personal name as a reference in marketing materials such as, but not limited to, Provider’s website, videos, images, social media profiles, case studies, brochures, business cards, banners, television, radio, presentations, and for federal and state-law compliance purposes and disclosure documents.

CONFIDENTIALITY AND COVENANTS NOT TO COMPETE

  1. Proprietary Information. Advocate recognizes and acknowledges that the software systems, including specifications, programs and documentation, the methods, and data which Provider owns, plans, or develops, whether for its own use or for use by its clients, developments, designs, inventions and improvements, trade secrets and works of authorship are confidential and are the property of Provider. Provider recognizes that Advocate’s customer lists, leads, supplier lists, proposals, procedures and all web-related content or assets built on Advocate’s behalf are confidential and are the property of Advocate. Advocate further recognizes and acknowledges that to enable Provider to perform services for its clients, those clients may furnish to Provider confidential information concerning their business affairs, property, methods of operation or other data; that the goodwill afforded to Provider depends upon, among other things, Advocate and its Providers keeping such services and information confidential. All of the aforementioned materials and information including that relating to Client’s systems and Advocate’s clients, will be referred to as “Proprietary Information.”
  2. Confidentiality. As used in this Agreement, “Confidential Information” refers to any information which has commercial value and is either (i) technical, creative, and artistic information, including but not limited to patent, copyright, trade secret, and other proprietary information, techniques, sketches, drawings, models, inventions, know-how, processes, apparatus, equipment, pitch materials, written content, concepts, original IP, scripts, and formulae related to the current, future and proposed products and services of Provider, or (ii) non-technical information relating to Provider’s products, including without limitation pricing, margins, merchandising plans and strategies, finances, financial and accounting data and information, suppliers, customers, customer lists, purchasing data, sales and marketing plans, future business plans and any other information which is proprietary and confidential to Provider. All content found on Advocate’s landing page designed and built by Provider is not considered confidential.
  3. In-Term and Post-Term Non-Compete. Advocate covenants that during and no less than two (2) years after the term of this Agreement that it will not divert or attempt to divert any business, client or potential client of the Business to any competitor, by direct or indirect inducement or otherwise, or to do or perform, directly or indirectly, any other act injurious or prejudicial to the goodwill associated with Provider’s services.
  4. Non-Disclosure. Advocate will maintain in confidence and will not disclose, disseminate or use any Confidential Information belonging to Provider, whether or not in written form. Advocate agrees that Advocate shall treat all Confidential Information of Provider with the utmost care and complete privacy. Advocate may only disclose Confidential Information when directly authorized by Provider.

CAVEAT

Advocate acknowledges that it is entering into this Agreement as a result of its own independent investigation and not as a result of any representations about Provider made by its shareholders, officers, directors, employees, agents, representatives, independent contractors, or other buyers that are contrary to the terms set forth in this Agreement, or in any disclosure document, prospectus, or other similar document required or permitted to be given to Advocate pursuant to applicable law.

EFFECTIVE DATE

This Agreement will take effect upon payment by Advocate hereto (“Effective Date”) and its term will extend until cancellation by Advocate or Term expires.

Privacy

Please review our Privacy Policy, which also governs your visit to the Site. To the extent there is a conflict between the terms of the Privacy and Security Policy and the Terms and Conditions, the Terms and Conditions shall govern.

Copyright

You acknowledge that the Site contains information, data, software, photographs, graphs, videos, typefaces, graphics, music, sounds, and other material (collectively “Content”) that are protected by copyrights, trademarks, trade secrets, rights in databases and/or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or hereinafter developed. All Content is copyrighted as a collective work under the U.S. copyright laws, and we own a copyright and/or database right in the selection, coordination, arrangement, presentment and enhancement of such Content. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from or adaptations of, or in any way exploit any of the Content, in whole or in part.

If no specific restrictions are displayed, you may make copies of select portions of the Content, provided that the copies are made only for your personal use and that you maintain any notices contained in the Content, such as all copyright notices, trademark legends, or other proprietary rights notices. Except as provided in the preceding sentence or as permitted by the fair use privilege under the U.S. copyright laws (see, e.g., 17 U.S.C. Section 107), or your legal rights under any other copyright law, you may not upload, post, reproduce, or distribute in any way Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other proprietary right.

Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Site or any information displayed on the Site, through the use of framing, deep linking or otherwise, except: (a) as expressly permitted by these Terms and Conditions; or (b) with our prior written permission or the prior written permission from such third party that may own the trademark or copyright of information displayed on the Site.

INTELLECTUAL PROPERTY INFRINGEMENT

We rely on a network of independent affiliates, subsidiaries, agents, third-party product providers, third-party Content providers, vendors, suppliers, designers, contractors, distributors, merchants, sponsors, licensors and the like (collectively, “Associates”) who supply some of the services advertised on the Site. In accordance with the Digital Millennium Copyright Act, we are not liable for any infringement of copyrights, trademarks, trade dress or other proprietary or intellectual property rights arising out of Content posted on or transmitted through the Site, or items advertised on the Site, by our Associates.

If you believe that your rights under intellectual property laws are being violated by any Content posted on or transmitted through the Site, or services advertised on the Site, please contact us promptly so that we may investigate the situation and, if appropriate, block or remove the offending Content and/or advertisements. It is our policy to disable access to infringing materials, and to terminate access of repeat infringers to the Site. In order for us to investigate your claim of infringement, you must provide us with the following information:

  1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  2. A description of the copyrighted work or other intellectual property that you believe has been infringed;
  3. A description of where the material that you claim is infringing is located or identified on the Site;
    Your name, address, telephone number, and e-mail address;
  4. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and
  5. A statement by you, made under penalty of perjury, that the information submitted to us is accurate and that you are the owner of the copyright or intellectual property or authorized to act on behalf of the owner of the copyright or intellectual property.
  6. The above information should be provided to our agent for notice of claims of copyright or other intellectual property infringement, who can be reached as follows: By Mail: Copyright Agent c/o Credit Manager 5900 Balcones Drive # 27712, Austin, TX 78731 By Phone: 888-986-9879 By E-Mail: info@creditmanager.io

SITE ACCESS

You may not download (other than page caching) or modify the Site or any portion of it without our express, prior written consent. This includes: a prohibition on any resale or commercial use of the Site or its Content; any collection and use of any product listings, descriptions, or prices; any derivative use or making adaptations of the Site or its Content; any downloading or copying of account information for the benefit of another merchant; and any use of data mining, screen-scraping, robots, or similar data gathering and extraction tools. The Site or any portion of the Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without our express, prior written consent. You may not use any meta tags or any other “hidden text” utilizing our name or trademarks without our express, prior written consent.

YOUR ACCOUNT

If you use the Site, you are responsible for maintaining the confidentiality of the information you submit through “My Account” and the corresponding password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under “My Account” or password. We reserve the right to refuse service, terminate accounts, and remove or edit content submitted by you in the “My Account” area of the Site.

DISCLAIMERS & LIMITATIONS OF LIABILITY

The Site is provided on an “AS IS,” “as available” basis. Neither Credit Manager, nor its Associates warrant that use of the Site will be uninterrupted or error-free. Neither CreditManager.io, nor its Associates warrant the accuracy, integrity, or completeness of the Content provided on the Site, or the products or services offered for sale on the Site. Further, CreditManager.io makes no representation that Content provided on the Site is applicable or appropriate for use in locations outside of the United States. CreditManager.io specifically disclaims warranties of any kind, whether expressed or implied, including but not limited to warranties of title, implied warranties of merchantability or warranties of fitness for a particular purpose. No oral advice or written information given by CreditManager.io shall create a warranty. You expressly agree that your access to, viewing of, browsing, visiting or use of the Site is at your sole risk.

Under no circumstances shall CreditManager.io or its Associates be liable for any direct, indirect, incidental, special, or consequential damages that result from the use of or inability to use the Site, including but not limited to reliance by a user on any information obtained at the Site, or that result from mistakes, omissions, interruptions, deletion of files or e-mail, errors, defects, viruses, delays in operation or transmission, or any failure of performance, whether or not resulting from acts of God, communications failure, theft, destruction or unauthorized access to CreditManager.io records, programs or services. The foregoing limitation of liability shall apply whether in an action at law, including but not limited to contract, negligence, or other tortious action; or an action in equity, even if an authorized representative of CreditManager.io has been advised of or should have knowledge of the possibility of such damages. You hereby acknowledge that this paragraph shall apply to all Content, merchandise and services available through the Site. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, in such states liability is limited to the fullest extent permitted by law.

ONLINE CONDUCT

You agree to use the Site only for lawful purposes. You are prohibited from posting on or transmitting through the Site any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racial, ethnic, or otherwise objectionable material of any kind, including but not limited to any material that is or that encourages fraudulent activity or encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, federal, or international law. You agree not to harass, advocate harassment, or to engage in any conduct that is abusive to any person or entity. You are prohibited from sending or otherwise posting unauthorized commercial communications (such as spam) through the Site. If we are notified of or suspect allegedly infringing, defamatory, damaging, illegal, or offensive User Content provided by you (e.g., through an author chat, online review), we may (but without any obligation) investigate the allegation and determine in our sole discretion whether to remove or request the removal of such User Content from the Site. We may disclose any User Content or electronic communication of any kind (i) to satisfy any law, regulation, or government request; (ii) if such disclosure is necessary or appropriate to operate the Site; or (iii) to protect the rights or property of CreditManager.io, its Associates, our users and customers and/or you.

We reserve the right to prohibit conduct, communication, or Content that we deem in our sole discretion to be unlawful or harmful to you, the Site, Site users, our customers or any rights of CreditManager.io or any third party. Notwithstanding the foregoing, neither CreditManager.io nor its Associates can ensure prompt removal of questionable Content after online posting. Accordingly, neither CreditManager.io, nor its Associates assume any liability for any action or inaction with respect to conduct, communication, or Content on the Site.

YOUR CONSENT FOR NOTICES

You agree that we have the right to send you certain information in connection with the Site. We may send you this and any other information in the electronic form to the e-mail address you specified when you created an account through the Site or with any subdivisions of the Site. You may have the right to withdraw this consent under applicable law, but if you do, we may cancel your rights to the Site. Notices provided to you via e-mail will be deemed given and received on the transmission date of the e-mail. As long as you access and use the Site, you agree that you will have, or have access to, the necessary software and hardware to receive such notices. If you do not consent to receive any notices electronically, you agree to stop using or accessing the Site.

TERMINATION OF USAGE

We may terminate your access or suspend your right to access to all or part of the Site, without notice, for any conduct that we, in our sole discretion, believe is in violation of any applicable law, is in breach of these Terms and Conditions or is harmful to the interests of other users, Associates, or us. In addition, we reserve the right to refuse an order from any customer in our sole discretion.

APPLICABLE LAW

If you access the Site from anywhere in the United States or Canada, you agree that the laws of the State of Texas, USA, without regard to principles of conflict of laws, will govern these Terms and Conditions and any dispute of any sort that might arise between you and CreditManager.io and/or its Associates.

NOTICE OF TAX

Because of the new economic Nexus policies adopted by the Supreme Court, we are required to collect sales tax in the following states: FL, GA, CO, PA, OK, IL, IN, LA, MD, MI, MN, NC, NJ, SC, WI, WA, and UT. However, many states require that their residents file a sales or use tax return for items purchased on this Site. You should consult your state and local tax laws to determine compliance with tax laws and regulations in your area. In some states, we collect and remit sales tax.

ACKNOWLEDGEMENTS

Advocate acknowledges that Advocate has read this Agreement and agrees to the terms set forth herein. This Agreement remains enforced until Agreement cancellation or termination. If for any reason, one part of this Agreement becomes invalid, or unenforceable, the remaining parts of the Agreement still remain in place. This Agreement is a legal document under the exclusive jurisdiction of the courts seated in the State Of Texas. Failure to enforce these Terms and Conditions and related Policies in every instance does not amount to a waiver of Company rights. In case of failure to review this Agreement, as stated in this Agreement, Agreement will be acknowledged as accepted by both parties even if no signature is provided by Advocate upon purchase of services described in this Agreement.

ENTIRE AGREEMENT

This Agreement and the document(s) referred to herein, shall be construed together and constitute the entire, full and complete agreement between Provider and any parent company, subsidiary or affiliate of Provider, and Advocate concerning the subject matter and supersede all prior agreements. No other representation has induced Advocate to execute this Agreement, and there are no representations, inducements, promises or agreements, oral or otherwise, between the parties not embodied herein, which are of any force or effect with reference to this Agreement or otherwise. This Agreement may be modified only by a writing signed by Provider and Advocate. The provisions of this Agreement relating to confidentiality and non-competition shall survive any termination of service no less than two years from the date of termination.

These Terms and Conditions were last revised and made effective as of July 15, 2024.