By subscribing, you agree to receive periodic communications. You can unsubscribe at any time and your contact details will not be disclosed to third parties without explicit consent. Terms & Conditions Effective Date: July 2026 Welcome to Credit Shift Society. By accessing this website or purchasing any of our services, you agree to the following Terms and Conditions. 1. Services Credit Shift Society provides: Credit education Credit monitoring enrollment assistance Credit dispute assistance DIY credit repair education Financial literacy resources Our services are designed to help consumers understand and improve their credit profiles. 2. No Guarantee of Results Every credit profile is different. Credit Shift Society does not guarantee: Specific credit score increases Removal of every negative account Loan approvals Credit card approvals Funding approvals Results depend on each individual's credit history, creditor responses, and reporting accuracy. 3. Client Responsibilities Clients agree to: Provide accurate information Maintain an active credit monitoring account when required Respond promptly to requests for documents Keep payment information current Failure to do so may delay or suspend services. 4. Credit Monitoring Requirement Our Done-for-You Credit Repair service requires an active credit monitoring account through our recommended monitoring provider. If monitoring is canceled, dispute services may be paused until monitoring is reactivated. 5. DIY Community Membership in the Credit Shift Society Community provides access to educational materials and training only. Members are responsible for applying the information provided. 6. Payments All membership fees and service fees are billed according to the selected plan. Unless otherwise stated, fees are non-refundable once services or digital products have been delivered. 7. Intellectual Property All content on this website, including: Videos Templates Dispute letters Guides Downloads Logos Graphics is the property of Credit Shift Society and may not be copied, shared, reproduced, or resold without written permission. 8. Limitation of Liability Credit Shift Society shall not be liable for: Credit bureau decisions Creditor decisions Loan denials Financial losses Delays caused by third parties 9. Privacy We respect your privacy. Any personal information collected is used solely to provide requested services and improve the customer experience. We do not sell your personal information. 10. Changes Credit Shift Society reserves the right to update these Terms and Conditions at any time without prior notice. Continued use of this website constitutes acceptance of any changes. 11. Contact Credit Shift Society Email: creditshiftsociety@gmail.com Website: (your website URL) Phone: 6625423461