Legal Disclaimer
Effective Date: September 17, 2025
Business Name: Scars to Stars | RealTalk Credit
Websites: https://www.realtalkcredit.com • https://www.scarstostarspathwaytosuccess.com
Contact: [email protected]
1. Educational & Coaching Disclaimer
RealTalk Credit™ provides educational content and coaching for informational purposes only. We offer credit education, strategic guidance, and tools to help you understand credit reports and make informed decisions. Results are not guaranteed and depend on your individual circumstances and actions. Coaching is not a substitute for professional financial, legal, tax, or credit counseling.
2. Not a Credit Repair Organization (CROA)
We are not a credit repair organization under the Credit Repair Organizations Act (CROA). We do not:
Dispute items with credit bureaus on your behalf
Contact or negotiate with creditors for you
Remove accurate negative information
Prepare, submit, or send letters for you
Clients maintain full control over any actions they take based on our education. We operate consistently with CROA.
3. No Professional Advice or Relationship
Nothing on our sites or in our products/services constitutes legal, tax, accounting, investment, or credit repair advice. No attorney-client, advisor-client, or fiduciary relationship is created by viewing our content, purchasing products, or using coaching/chat services. Always consult licensed professionals for your specific situation.
4. Testimonials & Examples
Testimonials reflect real experiences but are individual and not typical; they do not guarantee that you will achieve the same results.
5. Affiliate Disclosure
Some links on our sites, emails, or programs are affiliate links (e.g., MyScoreIQ, Amazon). If you purchase through these links, we may earn a commission at no extra cost to you. We only recommend products/services we believe are useful. See our Affiliate Disclosure for details.
6. Cookies & Tracking
We use cookies and third-party pixels (e.g., Google Analytics, Meta/Facebook Pixel) to analyze traffic, personalize content, and improve marketing relevance. You can disable cookies in your browser; some features may be limited. See our Privacy Policy for details.
7. Use of AI & Automated Tools
We may use AI tools (e.g., ChatGPT) to clarify explanations, simplify language, or draft educational content. These tools do not make decisions, provide credit repair, or determine financial outcomes. All educational guidance is reviewed before sharing.
8. Third-Party Names & Trademarks
FICO®, VantageScore®, Equifax®, Experian®, TransUnion®, and other third-party names are trademarks of their respective owners. RealTalk Credit is not affiliated with or endorsed by these entities.
9. Errors & Omissions; “As-Is” Content
Content is provided “as is” and “as available.” While we strive for accuracy, we do not warrant that information is complete, current, or error-free. We may update or correct materials at any time without notice.
10. Limitation of Liability; Reference to Terms
To the maximum extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from use of our content or services. For additional terms and liability limits, see our Terms & Conditions.
11. Governing Law
This Legal Disclaimer is governed by the laws specified in our Terms & Conditions.
12. Contact
Questions about this Disclaimer: [email protected]