Terms & Conditions
Last Updated: September 26, 2026
Welcome to E Credit & Wealth. These Terms & Conditions govern your use of our website, services, forms, and communications. By accessing our website, submitting information, purchasing or using our services, or otherwise interacting with E Credit & Wealth, you agree to these Terms & Conditions.
1. Our Services
E Credit & Wealth provides credit education, credit report analysis, dispute assistance, credit-building guidance, progress monitoring, and related financial education services.
Our services are intended to help consumers better understand their credit information and take appropriate steps regarding information appearing on their credit reports.
We do not guarantee any specific credit score increase, deletion of any particular item, loan approval, financing approval, or specific financial result. Individual results may vary depending on each consumer's circumstances and credit profile.
2. Eligibility and Age Requirement
You must be 18 years of age or older to use our services or participate in the E Credit & Wealth SMS messaging program.
By using our services, providing your mobile phone number, or opting in to receive SMS messages from E Credit & Wealth, you represent and confirm that you are at least 18 years old and have the legal capacity to agree to these Terms & Conditions.
Individuals under the age of 18 are not permitted to enroll in our SMS messaging program.
3. Information You Provide
You agree to provide accurate, current, and complete information when completing forms, requesting services, communicating with us, or creating an account.
You are responsible for keeping your contact information accurate and up to date.
4. SMS Messaging Program
By voluntarily opting in to receive text messages from E Credit & Wealth, you agree to receive SMS/MMS communications at the mobile phone number you provided.
Depending on the type of consent you provide, messages may include:
Appointment confirmations and reminders
Account and service notifications
Customer service communications
Requested service updates
Credit education and informational messages
Promotional offers and marketing communications
Message frequency may vary. Message and data rates may apply.
Your mobile carrier's standard messaging and data rates may apply depending on your wireless plan.
5. Marketing SMS Consent
If you separately opt in to marketing communications, E Credit & Wealth may send you promotional text messages regarding our services, special offers, educational information, promotions, and related updates.
Consent to receive marketing text messages is voluntary and is not a condition of purchasing any goods or services from E Credit & Wealth.
Marketing SMS consent is collected separately from non-marketing messaging consent where applicable.
6. How to Opt Out of SMS Messages
You may cancel SMS communications at any time by replying:
STOP
After you send STOP, you may receive a confirmation message acknowledging your opt-out request. After your opt-out request has been processed, you will no longer receive SMS messages from that messaging program unless you subsequently provide consent again.
7. SMS Help and Support
For assistance with our SMS messaging program, reply:
HELP
You may also contact E Credit & Wealth directly:
Email: [email protected]
Phone: +1 510-660-2400
Website: ecreditandwealth.com
8. Carrier Liability Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Delivery of SMS/MMS messages is subject to effective transmission by your wireless service provider and network availability. E Credit & Wealth cannot guarantee that every message will be received.
9. Privacy and SMS Data
Your use of our website, services, and SMS messaging program is also subject to our Privacy Policy.
E Credit & Wealth takes the privacy of mobile information and SMS consent information seriously.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Please review our Privacy Policy for additional information about how we collect, use, disclose, and protect personal information.
10. Third-Party Services
Our website and services may use or provide links to third-party platforms, payment processors, credit-related services, communication providers, or other external resources.
E Credit & Wealth is not responsible for the content, availability, privacy practices, security, or terms of independent third-party websites or services.
Your use of third-party services may be subject to their own terms and privacy policies.
11. No Guarantee of Results
Credit profiles and financial circumstances vary from person to person. E Credit & Wealth does not promise or guarantee that:
Your credit score will increase by a specific amount;
A specific negative item will be removed from your credit report;
Your credit will improve within a specific period;
You will qualify for a loan, mortgage, credit card, business funding, or other financial product; or
You will achieve any particular financial outcome.
Any examples, educational materials, testimonials, or discussions of potential outcomes should not be interpreted as guarantees of future results.
12. Educational Information
Information provided through our website, communications, SMS messages, educational materials, or services is provided for general informational and educational purposes.
Unless expressly stated otherwise, this information should not be considered legal, tax, accounting, or individualized financial advice.
You should consult an appropriately qualified professional when advice specific to your circumstances is required.
13. Intellectual Property
Unless otherwise stated, content appearing on the E Credit & Wealth website, including text, graphics, branding, designs, educational materials, and other original content, is owned by or licensed to E Credit & Wealth and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or commercially exploit our protected content without prior written permission.
14. Acceptable Use
You agree not to misuse our website or services, attempt to gain unauthorized access to our systems, interfere with website functionality, submit fraudulent information, or use our services for unlawful purposes.
15. Limitation of Liability
To the extent permitted by applicable law, E Credit & Wealth will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our website or services.
Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.
16. Changes to These Terms
E Credit & Wealth may update these Terms & Conditions periodically to reflect changes to our services, business practices, legal requirements, or messaging program.
When changes are made, the updated Terms will be posted on our website with a revised Last Updated date.
Your continued use of our website or services after changes become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.
17. Termination
We reserve the right to suspend or terminate access to our website or services when necessary, including in cases of misuse, fraud, violation of these Terms, or other unlawful activity.
Termination does not affect rights or obligations that accrued before termination.
18. Contact Us
If you have questions regarding these Terms & Conditions, our services, or our SMS messaging program, please contact:
E Credit & Wealth
Website: ecreditandwealth.com
Email: [email protected]
Phone: +1 510-660-2400