ScoreEdge.com
Last Updated on October 25, 2024
These Terms and Conditions (the “Terms”) represent an agreement between you and ScoreEdge, an assumed name under the stewardship of Philo Council/Philo Ministries, a 501(c)(3) nonprofit organization based in Tennessee and Florida. By accessing or using the services provided by ScoreEdge (“we” or “us”) through ScoreEdge.com (the “Site”) and related applications or platforms (collectively, “Sites”), you agree to abide by these Terms.
By using the Sites, engaging with ScoreEdge services, and/or requesting information, you indicate your agreement to these Terms.
Please read these Terms carefully, as they govern your use of the Site and services provided by ScoreEdge.
1. About ScoreEdge
ScoreEdge is a service offered by Philo Ministries to provide credit education and self-help resources to individuals looking to improve their credit standing. ScoreEdge is not a credit repair company. We do not offer direct credit repair services or guarantee specific credit score results. Instead, we provide access to tools, educational resources, and optional expert virtual assistant (VA) guidance to support you in managing and disputing errors on your credit report.
2. Privacy Policy
ScoreEdge values your privacy and handles personal information responsibly. Our Privacy Policy describes how we collect, use, and share your information and is incorporated by reference into these Terms. By using the Sites or engaging with our services, you agree to the terms outlined in our Privacy Policy.
3. Service Overview
Our services include:
- Access to credit improvement tools and educational resources.
- VA guidance to support self-managed credit improvement efforts.
- Optional DIY training modules for credit report management.
4. Membership and Fees
ScoreEdge operates as a membership service. By becoming a member for $39.95 per month, you receive:
- Access to our credit repair software.
- Free hands-on guidance from trained VAs.
- Optional one-on-one personalized coaching for an additional fee.
The membership fee does not cover credit monitoring services, which are required and may be purchased separately. Payment is due monthly and is non-refundable once the membership term begins.
5. How ScoreEdge Works
The process for using ScoreEdge services includes:
- Becoming a Member: Accessing the tools and guidance by joining for a monthly fee.
- Obtaining Credit Monitoring: Required for real-time access to credit reports.
- DIY Training Modules: Optional educational tools to guide you in understanding and addressing credit report issues.
- Importing Credit Reports: Streamlined access to necessary data for dispute management.
- Expert VA Assistance: Available at any point for guidance or hands-on help in using the software and tools.
6. Dispute Resolution and Arbitration
By agreeing to these Terms, you consent to resolve any disputes with ScoreEdge through binding individual arbitration rather than in court, waiving your right to participate in a class action. Arbitration will be conducted by the American Arbitration Association (AAA) under its rules, as modified by these Terms.
You agree to:
- Waive the right to trial by jury.
- Waive the right to participate in class actions.
- Resolve disputes individually through arbitration.
7. Access to Sites and Member Files
Your membership grants you access to our online services and your personal member files, where you can track your progress and update your account information. Access to these resources is available 24/7, subject to maintenance or technical issues beyond our control.
8. Use of the Sites and Content
ScoreEdge grants you a personal, non-commercial license to access and use the Site’s materials. You may not:
- Modify, redistribute, or resell Site content.
- Use Site resources for telemarketing or commercial bulk email.
- Reverse engineer or tamper with the software.
- Use the Sites for illegal purposes or to transmit offensive content.
9. Intellectual Property
All content on the Site, including but not limited to text, images, graphics, and software, is the property of ScoreEdge, Philo Ministries, or third parties who have granted ScoreEdge permission to use their materials. Unauthorized use of any content on the Sites is prohibited.
10. Limited Liability and Disclaimer
ScoreEdge makes no guarantee regarding the accuracy or completeness of the information provided on the Sites. Our services are offered “as-is,” without any warranties, express or implied, including warranties of accuracy, merchantability, or fitness for a particular purpose.
ScoreEdge is not liable for any damages arising from your use of the Sites, including data loss, loss of profits, or incidental or consequential damages. Some jurisdictions may not allow limitations on implied warranties or the exclusion of certain damages; in such cases, our liability will be limited to the fullest extent permitted by law.
11. Termination of Service
ScoreEdge reserves the right to suspend, restrict, or terminate your membership and access to services if you violate these Terms or engage in conduct inconsistent with the intended use of our services.
12. Confidentiality
Any information shared on our Sites should not be considered confidential, and we do not guarantee the privacy of communications transmitted via the Sites. While we make every effort to secure your data, communications over the internet are not fully secure, and we are not responsible for unauthorized interception of data.
13. Electronic Communications
By using the Site, you agree to receive electronic communications from us. These communications may include notices related to your membership, updates to our Terms, and other relevant information. You are responsible for ensuring that your email address is up-to-date and that emails from ScoreEdge are not filtered.
14. Territorial Restrictions
Our services are available only in the United States. We make no representation that our services or content are appropriate or available for use in other locations, and accessing our Sites from outside the U.S. is done at your own risk.
15. Miscellaneous
ScoreEdge reserves the right to update or modify these Terms at any time. Your continued use of the Sites or services after such changes indicates your acceptance of the updated Terms.
Governing Law: These Terms are governed by and interpreted according to the laws of the State of Tennessee, except where federal law applies.
16. Contact Information
For questions, please contact us at:
- Philo Ministries / ScoreEdge
- Email: support@scoreedge.com