These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("you,"
"your," or "User") and Credit Success Guide Inc., together with its subsidiaries,
affiliates, and assigns ("we," "us," or "our"), governing your access to and use
of our website located at www.Credit Success Guidecapital.com, our mobile applications, client portals,
and any related products, services, content, features, or applications offered by Credit Success Guide
(collectively, the "Services"). By accessing or using our Services, you acknowledge that you
have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms,
please discontinue use of the Services immediately.
1. Acceptance of Terms
By accessing, browsing, or using any part of our Services, you represent that you are at least 18
years of age (or the age of majority in your state of residence), have the legal capacity to
enter into a binding agreement, and agree to comply with all applicable federal, state, and
local laws and regulations in connection with your use. If you are accessing or using the
Services on behalf of a business entity, you represent and warrant that you are authorized to
bind that entity to these Terms.
2. Description of Services
Credit Success Guide is a diversified financial services holding company. Through its operating
subsidiaries, it provides: (a) loan origination and brokerage services for personal, home,
mortgage, education, business, and auto loans; (b) insurance agency services for property,
casualty, life, health, and specialty lines; (c) investment advisory services through Domain
Name
Securities, LLC, an SEC-registered investment adviser and Member FINRA/SIPC; (d) wealth
management, financial planning, and retirement planning services; (e) digital banking, credit
card, debit card, and payment processing services through partner banks; and (f) debt relief,
home warranty, and auto warranty products. All loans are subject to credit approval, income
verification, collateral valuation, and acceptable appraisal/title/insurance reports. Insurance
products are issued by third-party insurance carriers; we act as an independent agent and do not
underwrite policies. Investment advisory services are provided pursuant to a separate written
investment advisory agreement and Form ADV Part 2A brochure.
3. No Offer or Solicitation; No Fiduciary Duty Absent Agreement
All content on our website is provided for general informational purposes only and does not
constitute an offer to sell, a solicitation of an offer to buy, or a recommendation to buy,
sell, or hold any security, loan, insurance policy, or other financial product. Nothing on this
website constitutes investment, legal, tax, accounting, or other professional advice. No
fiduciary, advisory, agency, or client relationship is created merely by visiting our website or
completing a contact form. Such relationships arise only upon the signing of a definitive
written agreement (e.g., an investment advisory agreement, loan closing documents, or insurance
binder) and/or our delivery of a Form ADV brochure.
4. User Accounts and Registration
Certain features of the Services require you to register for an account. You agree to: (a)
provide accurate, current, and complete information during registration; (b) maintain and
promptly update your account information; (c) maintain the security of your password and account
credentials; (d) accept responsibility for all activities that occur under your account; (e)
notify us immediately of any suspected unauthorized use or security breach; and (f) not share
your account access with any third party without our prior written consent. We reserve the right
to suspend or terminate accounts at our discretion if information provided proves inaccurate,
false, fraudulent, or incomplete.
5. Acceptable Use Policy
You agree not to use the Services to: (a) violate any applicable local, state, federal, or
international law or regulation; (b) submit false, fraudulent, misleading, or inaccurate
information on applications, forms, or registrations; (c) impersonate any person or entity or
misrepresent your affiliation with any person or entity; (d) interfere with, disrupt, or
compromise the security or integrity of our servers, networks, or equipment; (e) attempt to gain
unauthorized access to portions of the website not intended for your use; (f) use automated
tools (bots, scrapers, crawlers) to access, collect, or harvest data from the Services without
our prior written consent; (g) upload or transmit viruses, malware, ransomware, or other
malicious code; (h) engage in any activity that could impair, disable, or overburden our
infrastructure; (i) infringe upon our intellectual property rights or the rights of any third
party; or (j) engage in any harassing, defamatory, obscene, discriminatory, or otherwise
objectionable conduct in communications with our staff.
6. Intellectual Property Rights
All content, features, and functionality on the Services — including text, graphics, logos,
icons, images, video clips, audio clips, data compilations, software, calculators, whitepapers,
market commentary, and the overall design, look and feel, arrangement, and "trade dress" of the
website — are the exclusive property of Credit Success Guide or our licensors and are protected by United
States and international copyright, trademark, trade dress, patent, trade secret, and other
intellectual property laws. You may not reproduce, distribute, modify, create derivative works
of, publicly display, publicly perform, republish, download, store, transmit, or otherwise use
any of our copyrighted content without our prior written consent. "Credit Success Guide" and our
logo are registered trademarks of Credit Success Guide .
7. Third-Party Links and Content
Our Services may contain links to third-party websites, social media platforms, advertisers, or
services that are not owned or controlled by Credit Success Guide. We do not endorse, warrant, or assume
responsibility for the content, privacy policies, terms, practices, accuracy, or reliability of
such third-party sites. Your interactions with third-party sites, including transactions and
purchase of products or services, are solely between you and the third party. We are not liable
for any damages or losses caused by or related to your use of any third-party content, products,
or services.
8. Indemnification
You agree to defend, indemnify, and hold harmless Credit Success Guide and its officers, directors,
employees, agents, affiliates, licensors, and service providers from and against any and all
claims, damages, obligations, losses, liabilities, costs, debts, and expenses (including
reasonable attorneys' fees) arising from: (a) your access to, use of, or alleged misuse of the
Services; (b) your violation of these Terms or any applicable law or regulation; (c) your
violation of any third-party right, including without limitation any intellectual property
right, privacy right, property right, or confidentiality obligation; (d) any information or
content you submit through the Services (including UGC, messages, posts, applications, or
forms); (e) any dispute between you and another user of the Services or any third party; or (f)
any fraud, intentional misconduct, or criminal act committed by you.
9. Loan and Credit Disclosures
All loan products shown on our website are for illustrative purposes only and do not constitute a
commitment to lend. Actual rates, APRs, terms, loan amounts, fees, and approval depend on your
creditworthiness, income, debt-to-income ratio, collateral value (where applicable), loan
purpose, lender program guidelines, and state of residence. Advertised APRs may include rate
discounts for autopay and/or existing client relationship discounts. Home loan programs are
subject to underwriting, appraisal, title, flood certification, and private mortgage insurance
requirements where applicable. Loans are not available in
all states; contact us for state-specific licensing information.
10. Investment and Insurance Disclosures
Investing involves risk, including the possible loss of principal. Past performance does not
guarantee future results. Asset allocation and diversification do not guarantee a profit or
protect against loss in declining markets. Insurance products are not FDIC insured, are not
deposits or obligations of any bank, are not guaranteed by any bank, and are subject to
investment risk including possible loss of principal if investment-linked. Insurance products
are issued by the underwriting insurance company indicated on the policy; policy guarantees are
backed solely by the financial strength and claims-paying ability of the issuing carrier, not by
Credit Success Guide.
11. Termination
We reserve the right, in our sole discretion, to suspend, terminate, or restrict your access to
the Services, with or without notice, for any reason including, without limitation, breach of
these Terms, suspected fraud or misuse, request by law enforcement, for inactivity, or for any
other reason we deem necessary. You may terminate your account by contacting us in writing. All
provisions of these Terms that by their nature should survive termination shall survive,
including intellectual property provisions, disclaimers of warranty, limitations of liability,
indemnification obligations, and governing law provisions.
12. Governing Law and Dispute Resolution
These Terms, and any dispute arising out of or relating to them, shall be governed by and
construed in accordance with the laws of the State of New York, without regard to its conflict
of laws principles. ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS
OR THE SERVICES SHALL BE RESOLVED FINALLY BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN
ARBITRATION ASSOCIATION (AAA) UNDER ITS COMMERCIAL ARBITRATION RULES, WITH THE ARBITRATION VENUE
IN USA. YOU HEREBY WAIVE ANY RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A
CLASS ACTION AGAINST US. Notwithstanding the foregoing, we retain the right to seek injunctive
or other equitable relief in any court of competent jurisdiction.
13. Modifications to the Services or Terms
We reserve the right, at our sole discretion, to modify, update, suspend, discontinue, or
restrict access to all or any portion of the Services at any time, with or without notice. We
may also update these Terms from time to time. Material changes will be posted to this page with
a revised "Last Updated" date. Your continued use of the Services after changes become effective
constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must
discontinue use of the Services.
