Terms of Service

Welcome to Higher Vision Credit Inc ("Higher Vision Credit," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website [www.hvcreditinc.com] (the "Site") and our services. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site.

Services

Higher Vision Credit provides credit repair services to help individuals improve their credit scores. Our services may include, but are not limited to, credit analysis, dispute resolution, and credit counseling.

Use of the Site

You may use the Site and our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates any applicable law or regulation
• Use the Site to engage in any fraudulent activity or to impersonate any person or entity
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site
• Interfere with or disrupt the operation of the Site or any servers or networks connected to the Site
• Use any data mining, robots, or similar data gathering or extraction methods in connection with the Site

Intellectual Property

All content and materials on the Site, including text, graphics, logos, images, and software, are the property of Higher Vision Credit or its licensors and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content on the Site without our prior written consent.

Privacy

Your use of the Site is subject to our Privacy Policy, which describes how we collect, use, and disclose your personal information. By using the Site, you consent to the collection, use, and disclosure of your information as described in the Privacy Policy.

**Disclaimer of Warranties**

The information and materials provided on the Site are provided "as is" and without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted or error-free, or that any defects will be corrected.

Limitation of Liability

In no event will Higher Vision Credit or its affiliates, licensors, or service providers be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of or inability to use the Site or our services.

Changes to the Terms

We reserve the right to modify these Terms at any time, in our sole discretion. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site after the posting of revised Terms means that you accept and agree to the changes.

Governing Law

These Terms are governed by and construed in accordance with the laws of [insert governing jurisdiction], without giving effect to any principles of conflicts of law.

Contact Us

If you have any questions or concerns about these Terms, please contact us at [info@hvcreditinc.com].