Terms of Service

Last updated: 2026

By using CreditFlowAI.app (“Site”), you agree to these Terms of Service. If you do not agree, do not use the Site.

Acceptance of Terms

Use of the Site constitutes acceptance of these Terms and our Privacy Policy. We may update these Terms from time to time; the “Last updated” date will reflect changes. Continued use after changes means you accept the updated Terms.

Educational Content Disclaimer

All content on the Site—including articles, guides, and the AI Debt-to-Wealth Simulator—is for educational and informational purposes only. It does not constitute financial, legal, tax, or credit repair advice. We are not a licensed financial advisor, credit repair organization, or lender. You should consult a qualified professional before making financial decisions. Results from our tools are estimates only and are not guaranteed.

Limitation of Liability

To the fullest extent permitted by law, CreditFlowAI, VacaWeb, and their affiliates and contributors are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on its content or tools. Use of the Site is at your own risk.

Intellectual Property

Content, design, logos, and materials on the Site are owned by CreditFlowAI or its licensors and are protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without permission, except for personal, non-commercial use (e.g., reading or using the simulator for yourself).

Third-Party Links

The Site may link to third-party websites or services. We are not responsible for their content, privacy practices, or terms. Links do not imply endorsement.

Governing Law

These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles. Any dispute shall be resolved in the courts of the State of Delaware.

Contact

Questions about these Terms: contact@creditflowai.app or our Contact page.