Terms and Conditions

Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

  1. Credit Service Agreement
  2. Authorization for Credit Repair Action
  3. Consumer Credit File Rights (CROA Disclosure)
  4. Right Of Cancellation Notice

The services we perform may include

  • PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEB SITE, YOU AGREE TO THESE TERMS AND CONDITIONS.
    Your access to and use of this Web site is subject to the following terms and conditions of use (Terms of Use) and all applicable laws. These Terms of Use apply exclusively to your access to, and use of, this Web site known as www.ACNCredit.com (ACN) which is exclusively owned and operated by ACN Credit Group Inc (ACN) and do not alter in any way the terms or conditions of any other agreement you may have with ACN for services or otherwise. These Terms of Use may be changed by ACN at any time in its sole discretion by posting the changes made to these Terms of Use, as revised, on this Web site. Your use of this Web site following the posting of such changes to the revised Terms of Use shall constitute your acceptance of any such changes. If you do not agree to these Terms of Use, our Privacy Statement, ACN Service Agreement, or any other policy governing your access to or use of our Web site you should immediately terminate your access to and use of the Web site. If you have any question regarding these terms or your access to or use of this Web site, please contact Customer Service at info@acncredit.com.
    PRIVACY
    We respect the privacy of our customers and encourage you to read our Privacy Statement so that you may make an informed decision about using our Web site.
    COPYRIGHT
    Unless otherwise indicated, all Web site materials, including, without limitation, the ACN logo, and all designs, text, graphics, other files, and the selection and arrangement thereof are the proprietary and copyrighted property of ACN or its licensors. You may electronically copy and print to a hard copy portions of this Web site for the sole purpose of using materials it contains for informational and non-commercial, personal use only. Any other use of the materials in this Web site including any commercial use, reproduction for purposes other than described herein, modification, distribution, republication, display or performance without the prior written permission of ACN is strictly prohibited.
    ACCESS TO SERVICES
    The ACN Website allows you to create a unique user name and password to utilize many of our customized online services. Only individuals authorized by the you, who over the age of 18, may access and use our Online Services. You may not access the Online Services from outside the country for which it was issued. Your unique user name may be restricted from accessing certain Materials otherwise available in the Online Services. Materials and features may be added to or withdrawn from the Online Services or otherwise changed without notice and in our sole discretion.
    TRADEMARKS
    The ACN logo, the ACN Logo and any proprietary Service or service names contained in this Web site are either trademarks or registered trademarks of ACN or its licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of ACN. In addition, all page headers, custom graphics, button icons and scripts are service marks, trademarks and/or trade dress of ACN, and may not be copied, imitated or used, in whole or in part, without the prior written permission of ACN. All other trademarks, registered trademarks, Service names and company names or logos mentioned herein are the property of their respective owners.
    UPLOADED CONTENT
    You agree that the content you upload in your personal space belongs to you and is for your personal use. You certify that you own and are responsible for any of the contents uploaded in your personal area and that you are not uploading and storing items that would infringe U.S. Copyright laws. You understand that you may not upload, post, reproduce or distribute in any way material protected by copyright, trademark, trade secret or other proprietary rights or which would violate any right of publicity, right of privacy or other right of any third party without first obtaining permission of the owner of such right.
    SUBMISSIONS
    You agree that any materials, including but not limited to questions, comments, credit bureaus, credit reports, communications from credit reporting agencies, communications from credit bureaus, communications with credit reporting agencies, Communications with credit bureaus, communications with creditor(s), suggestions, ideas, plans, notes, drawings, original or creative materials or other information, provided by you in the form of e-mail or submissions to the ACN Website, or postings on this Web site, are not confidential and that ACN shall have a perpetual, worldwide, non-exclusive license to use such materials as it deems appropriate.
    SERVICES DESCRIPTION
    ACN and its affiliates attempt to describe its Services as accurately as possible. However, ACN does not warrant that Service descriptions or other content on this Web Site is accurate, complete, reliable, current, or error-free. If a Service offered by ACN itself is not as described, your sole remedy is to cancel the service in the manner set forth in the ACN Service Agreement. The prices displayed on the Web Site are in U.S. Dollars and are valid and effective only in the United States.
    TERMS AND CONDITIONS OF THE USE OF THE ACN CREDIT RESTORATION SERVICES:
    All use and/or purchase of ACN`s Credit Restoration services are subject to ACN Service Agreement. Users can cancel their accounts at anytime, subject to the terms and conditions contained in the ACN Service Agreement, however, since we are not able to pro-rate, the account will remain active until the end of the paid monthly cycle. There are no pro-rated refunds. Once your account is cancelled your member access to the site will be revoked upon the expiration of the paid monthly cycle. You agree that fees collected are non-refundable. All cancellation shall also be strictly subject to the terms and conditions of the ACN Service Agreement. In the event of a conflict between the terms and condition contained in this Terms of Use and the ACN Services Agreement, the ACN Services Agreement shall prevail and be deemed the governing document.
    INAPPROPRIATE IMAGES OR WORDS
    ACN reserves the right to remove any text or images uploaded by you that it deems in its sole judgment to be inappropriate or which it believes may subject it to any liability, including without limitation the following:
    images, text or other materials submitted by users that are protected by trademark, copyright, right of publicity or other proprietary right, without the express permission of the owner of those rights;
    profanity or offensive comments including but not limited to expressions of racism, bigotry or hatred, or that are abusive, slanderous or offensive;
    any illegal material such as expressions of abuse, offensive language and imagery, obscenity or any other material that could give rise to any civil or criminal liability under, or otherwise violate, any applicable law.

    CLAIMS OF COPYRIGHT INFRINGEMENT; DESIGNATED AGENT
    If you believe that any material on this Web site infringes upon any copyright that you own or control, or that any link on this Web site directs users to another Web site that contains material that infringes upon any copyright which you own or control, you may file a notification of such infringement to the email or address stated below.
    ONLINE CONDUCT; REPEAT INFRINGER POLICY
    You agree to use ACN Website only for lawful purposes. You are prohibited from posting on or transmitting through ACN Website any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically or otherwise objectionable material of any kind that infringes the intellectual property rights or is otherwise injurious to third parties, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law. ACN may, at its discretion, terminate the accounts of any registered User who violate this policy.
    ACN respects the intellectual property of others, and we ask our Users to do the same. ACN may, in appropriate circumstances and at its discretion, terminate the accounts of any User who infringe upon the intellectual property rights of others or who violate this policy.
    CONTENT REVIEW
    ACN may elect to electronically monitor areas of this Website and may disclose any content, records or electronic communication of any kind to satisfy any law, regulation or government request, if such disclosure is necessary or appropriate to operate this Website, or to protect the rights or property of ACN, its independent contractors, service providers, consultants, sponsors, licensors or the public. ACN retains the right, but not the obligation, to monitor and edit or remove any activity or content that it deems in its sole discretion to be harmful to its users, ACN or the rights of any third party, or to violate any applicable law.
    USE BY CHILDREN
    ACN and the ACN Website do not offer products and services for sale to children under 18. We sell products and services for purchase by adults only. By using this Web site, you are representing to us that you are 18 years of age or older. ACN will not be liable for any damages that may result from misrepresentation of age by a user of our Web site.
    INDEMNITY
    You agree to defend, indemnify and hold harmless ACN, its Managers, it employees, its independent contractors, service providers and consultants, and their respective directors, employees and agents, from and against any third party claim, damages, costs and expenses (including, but not limited to, reasonable attorneys fees) arising out of your use of the ACN Web site or the use of any photographs, images or materials you provide, including without limitation any actual or threatened suit, demand, or claim made against ACN and/or its independent contractors, service providers, or consultants, that use of the photographs, images or material provided infringes, misappropriates or otherwise violates any copyright, trademark, right of publicity or other proprietary right of any third party. You agree to pay any judgment or reasonable settlement offer resulting from any such suit, demand or claim.
    DISCLAIMER
    EXCEPT IF EXPLICITLY STATED IN WRITING OTHERWISE BY ACN, THE PRODUCTS AND/OR MATERIALS AND/OR SERVICES CONTAINED AND SOLD ON THE ACN WEB SITE ARE PROVIDED ON AN AS IS BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ACN AND THE ACN WEBSITE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. ACN AND THE ACN WEBSITE DOES NOT REPRESENT OR WARRANT THAT ANY PRODUCTS AND/OR MATERIALS AND/OR SERVICES ON THE ACN WEB SITE, INCLUDING WITHOUT LIMITATION ANY INFORMATION ABOUT ACN AND THE ACN WEBSITE PROVIDED BY THIRD PARTIES, ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. ACN DOES NOT REPRESENT OR WARRANT THAT THE ACN WEB SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
    ACN reserves the right to change any and all content contained on the ACN Web site at any time without notice. Reference to any products, services, materials, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by ACN and/or the ACN Website.
    If you rely on the ACN website and any materials available on it, you do so solely at your own risk.
    LIMITATION OF LIABILITY
    IN NO EVENT SHALL ACN OR ITS OFFICER(S), MANAGER(S), DIRECTOR(S),MEMBER(S) OR EMPLOYEE(S) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR INABILITY TO USE THIS WEB SITE OR THE MATERIALS CONTAINED IN AND/OR SERVICES SOLD ON AND/OR PRODUCTS SOLD ON, OR ACCESSED THROUGH, THE ACN WEB SITE, INCLUDING WITHOUT LIMITATION ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE BY USER ON ANY INFORMATION OBTAINED FROM ACN, OR THAT RESULTS FROM MISTAKES, OMMISSIONS, INTERRUPTIONS, DELETION OF FILES OR E-MAILS, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, ACTS OF TERRORISM, THEFT, DESTRUCTION, OR UNAUTHORIZED ACESS TO THE ACN RECORDS, PROGRAMS OR SERVICES.
    IN NO EVENT SHALL THE AGGREGATE LIABILITY OF ACN (WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY) ARISING OUT OF OR RELATING TO THE USE OF ACN WEB SITE EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO ACN AND/OR THE ACN WEBSITE FOR ACCESS TO OR USE OR FOR SERVICES SOLD ON AND/OR PRODUCTS SOLD ON THE ACN WEB SITE.
    LINKING TO OUR WEB SITE
    You are granted a limited non-exclusive right to create a hyperlink to the ACN Web site provided such link does not portray ACN or any of its materials or products or services in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time. You may not use, frame or utilize framing techniques to enclose any ACN and/or ACN trademark, logo or other proprietary information, including the images found on the ACN Web site, the content of any text or the layout/design of any page or form contained on a page without ACN`s express written consent. Furthermore, you may not use any meta tags or any other hidden text utilizing a ACN and ACN name, trademark or Service name without ACN`s express written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel or otherwise in or under any patent, trademark, copyright or proprietary right of ACN or any third party. ACN makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of Web sites linking to the ACN Web site.
    THIRD PARTY LINKS
    The ACN Website may provide links to Web pages and content of third parties (Third Party Content) as a service to those interested in this information. ACN does not monitor, nor does it have any control over, any Third Party Content. ACN does not endorse or adopt any Third Party Content and can make no guarantee as to its accuracy or completeness. ACN makes no representations or warranties of any kind regarding such Third Party Content, or any information contained therein, and undertakes no responsibility to update or review any Third Party Content. When leaving the ACN Website, you should be aware that the ACN Website`s terms and policies no longer govern, and, therefore, you should review the applicable terms and policies, including privacy and data gathering practices, of that site. Users use these links and Third Party Content contained therein at their own risk.
    SEVERABILITY AND NONWAIVER
    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. The failure of ACN to insist upon or enforce strict performance of any of the provisions of these Terms of Use or to exercise any rights or remedies under these Terms of Use will not be construed as a waiver or relinquishment to any extent of ACN right to assert or rely upon any such provisions, rights, or remedies in that or any other instance; rather, the same will be and remain in full force and effect.
    APPLICABLE LAW
    The internal laws of the State of New Jersey will govern and construe these Terms of Use without giving effect to any conflict of laws provisions to the contrary. By use of this Web site, you irrevocably consent to the jurisdiction of the courts of the State of New Jersey and agree that all disputes with ACN venue shall be in the state or federal courts located in the State of New Jersey. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
    TERMINATION
    Notwithstanding anything to the contrary herein, ACN reserves the right, without notice and in its sole discretion, to terminate your use of this Web site and to block or prevent future access to and use of this Web site.
    MISCELLANEOUS
    These General Terms and Conditions of Use may be changed from time to time without notice by ACN in its sole discretion. Continued use of the ACN Website`s Online Services following any change constitutes acceptance of the change.
    ACN may suspend or discontinue providing Online Services to you without notice and pursue any other remedy legally available to it if you fail to comply with any of your obligations hereunder.
    Except as otherwise provided herein, all notices and other communications hereunder by ACN shall be in writing or displayed electronically on the ACN web site. Notices shall be deemed to have been properly given on the date deposited in the U.S. mails, if mailed; on the date ACN transmitted it to you electronically to the email address you have provided us, if sent via electronic mail; on the date first made available, if displayed ACN web site; or on the date received, if delivered in any other manner.
    The failure of ACN or any third party supplier of Materials to enforce any provision hereof shall not constitute or be construed as a waiver of such provision or of the right to enforce it at a later time.
    Each third party supplier of Materials has the right to assert and enforce these provisions directly on its own behalf as a third party beneficiary.
    90 DAY REFUND POLICY
    The ACN Money back guarantee will be strictly subject to you complying with the following terms and conditions:
    That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins;
    You make all payments due and owing to ACN per this agreement in a timely manner.
    You mail, fax or email ACN all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.
    You mail, fax or email to ACN proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.
    You agree to give ACN thirty (“30”) days from the date you have requested a refund to allow ACN adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.
    Refunds limited to payments made for 90 days of service only. (ex. If client is in service for 150 days, with no change made to their history, they can request a refund, but that refund will be limited to 90 days of service).
    COMMUNICATIONS TO YOU
    You agree that ACN may send electronic mail to you for the purpose of advising you of changes or additions to this Site, about any of ACN Services or services, or for such other purpose(s) as ACN deems appropriate.
    QUESTIONS AND CONTACT INFORMATION
    General questions or comments about ACN Web site may be directed to ACN Website`s Customer Service Department at info@acncredit.com
    ADDRESS OF RECORD
    Advanced Credit Network Inc
    6303 Owensmouth Ave, Suite 1067, Woodland Hills, California  91367
  • Questions regarding this statement should be directed to info@acncredit.com

In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.

It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney. ​

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