Terms of Use

Effective Date: [Effective Date]  •  Last Updated: [Effective Date]

These Terms govern your use of MySpikeScore’s website, tools, and credit-related services. Please read them carefully. By using the Service, you agree to these Terms.

1) Eligibility & Account Registration

  • You must be at least 18 years old (or the legal age in your jurisdiction) to use the Service.
  • Provide accurate, current, and complete information during registration and keep it updated.
  • You’re responsible for safeguarding your credentials and for all activities under your account.
  • Notify us promptly of any unauthorized access or suspected security breach.

2) Authorization to Access Credit Information

  • By using the Service, you authorize MySpikeScore and its agents to obtain your credit report(s), score(s), and related data from credit bureaus or agencies to deliver the Service.
  • This authorization remains in effect while your account is active unless withdrawn (see Withdrawing Consent).
  • Credit-bureau data originates from third parties; we are not responsible for third-party inaccuracies.

3) Nature of Credit Scores & Tools

  • Scores, insights, and simulations are provided for educational and informational purposes only and do not constitute financial, legal, or other professional advice.
  • Results vary and are not guaranteed; simulations may not predict actual score changes.
  • Consult qualified advisors before making significant financial decisions.

4) Acceptable Use

  • Use the Service for personal, non-commercial purposes unless otherwise permitted in writing.
  • Do not reverse engineer, decompile, scrape, or otherwise misuse the Service or violate applicable laws and rights.
  • Avoid actions that degrade or overload our infrastructure (e.g., spam, automated bots without permission).

5) Communications & Notifications

  • You consent to receive notices and updates electronically (email, in-app, or site postings).
  • We may send important service or policy updates; check your notifications and keep your email current.
  • You can manage marketing preferences in your account or via unsubscribe links.

6) Intellectual Property

  • All site/software content, design, and trademarks are owned by or licensed to MySpikeScore.
  • We grant a limited, revocable, non-transferable license to access and use the Service for personal use.
  • Do not reproduce, distribute, or create derivative works without express written consent.

7) Disclaimers & No Warranties

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted operation. We do not warrant the Service will be error-free, secure, or continuously available. Some jurisdictions do not allow disclaimers of certain warranties—parts of this section may not apply.

8) Termination

  • You may close your account or withdraw authorization to access credit data at any time (see Withdrawing Consent).
  • We may suspend or terminate access for violations of these Terms or for operational/security reasons.
  • Sections that by nature should survive termination (e.g., IP, disclaimers, liability limits) continue to apply.

9) Limitation of Liability

To the maximum extent permitted by law, MySpikeScore and its affiliates will not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages (including lost profits) arising from your use of the Service. Our aggregate liability will not exceed the amounts you paid to use the Service (if any). Some jurisdictions do not allow certain limitations—parts may not apply.

10) Indemnification

You agree to indemnify and hold harmless MySpikeScore, its officers, employees, and agents from claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of your breach of these Terms, misuse of the Service, violation of law, or infringement of third-party rights.

11) Changes to Terms & Service

  • We may update these Terms by posting a revised version with a new Effective Date.
  • Continued use after changes constitutes acceptance of the updated Terms.
  • We may modify or discontinue features at our discretion.

12) Governing Law & Dispute Resolution

  • These Terms are governed by the laws of [State/Country], without regard to conflict-of-law rules.
  • Exclusive jurisdiction and venue lie in the courts of [City/Region].
  • If any provision is deemed unenforceable, the remainder remains in effect.

14) Miscellaneous

  • These Terms constitute the entire agreement between you and MySpikeScore regarding the Service.
  • No waiver will be effective unless in writing, and a waiver on one occasion is not a waiver on others.
  • Headings are for convenience only and have no legal effect.
  • You may not assign these Terms without our prior written consent.

15) Contact

If you have questions about these Terms, contact us at:

  • Email: support@myspikescore.com
  • Address: [Company Legal Address]