These Terms and Conditions (“Terms”) govern your use of our website and your engagement of services provided by The Credit Clinic Caribbean Limited (“Credit Clinic”, “we”, “us”, “our”). By using our website or purchasing/using our services, you agree to these Terms.
Who We Are
The Credit Clinic Caribbean Limited
47–49 Trinidad Terrace, New Kingston, Kingston 5, Jamaica, West Indies
Telephone: 876-534-8330
Privacy Email: creditclinccl@gmail.com
Who We Are
The Credit Clinic Caribbean Limited
47–49 Trinidad Terrace, New Kingston, Kingston 5, Jamaica, West Indies
Telephone: 876-534-8330
Privacy Email: creditclinccl@gmail.com
The services we perform may include
Credit Clinic provides credit education and credit-support services which may include:
- credit education and coaching;
- intake and assessment based on information you provide;
- preparation of documentation and draft correspondence for credit-report disputes or clarification requests, based on your instructions;
- support in tracking responses and identifying next steps;
- monitoring and progress updates via meetings, webinars, telephone, email, and/or secure client portal.
Key Terms of Service (Rights, Responsibilities & Limitations)
1. No Legal Advice
Credit Clinic does not provide legal advice. Our services are educational and administrative support services. For legal advice, you should consult an attorney.
2. No Guaranteed Outcomes
Credit Clinic does not guarantee deletions, approvals, specific credit score increases, or any particular outcome. Outcomes depend on third parties, the accuracy of records, and your circumstances and follow-through.
3. Client Responsibilities
You agree to:
3. Authorization and Consent
Where required, you will sign an authorization allowing Credit Clinic to prepare documentation and provide support services on your behalf. You may withdraw consent at any time; however, withdrawal may limit our ability to continue services.
4. Fees and Payments
Fees are set out in your service agreement, invoice, or pricing schedule. Unless otherwise stated, fees are payable in accordance with the terms provided at the time of purchase.
5. Cancellation
Any applicable cancellation rights will be set out in your service agreement and/or required notices issued to you at onboarding. Where a statutory or contractual cooling-off period applies, it will be honoured in accordance with the terms provided.
6. Deliverables Guarantee and Refunds
Credit Clinic stands behind its service deliverables (for example: assessment, action plan, and/or documentation package as applicable to the service purchased). If Credit Clinic does not provide the agreed deliverables for the service purchased, you may request a review by emailing creditclinccl@gmail.com within fourteen (14) calendar days of the deliverable due date stated in your service agreement, invoice, or client portal. Where no deliverable due date is stated, the request must be made within fourteen (14) calendar days of delivery of the final deliverable.
Refunds are not provided solely because a desired outcome was not achieved, where deliverables were provided and services were performed as agreed.
7. Communications and Marketing
Service communications (e.g., appointment confirmations, administrative updates, and case-related messages) may be sent as necessary to deliver services.
Marketing messages will be sent only where you have opted in or where otherwise permitted by law. You may opt out at any time by using the unsubscribe option (where available) or emailing creditclinccl@gmail.com.
8. Privacy and Data Protection
We handle personal data in accordance with our Privacy Policy. We do not sell personal data and do not share personal data with third parties for their independent marketing. We may share limited personal data only with vetted service providers supporting our operations, professional advisers, or where required by law.
9. Third-Party Links and Services
Our website may contain links to third-party sites (e.g., secure client portal). We are not responsible for the privacy practices or content of third-party websites. Your use of third-party sites is at your own risk.
10. Intellectual Property
All website content, branding, templates, and educational materials are owned by or licensed to Credit Clinic and may not be copied, redistributed, or used commercially without written permission.
11. Limitation of Liability
To the fullest extent permitted by law, Credit Clinic is not liable for indirect or consequential losses arising from your use of the website or services, including losses resulting from third-party decisions, bureau/creditor processing timelines, or reliance on incomplete information provided by the client.
12. Complaints
If you have concerns about our services, contact us at creditclinccl@gmail.com and we will address the matter promptly and professionally.
13. Governing Law
These Terms are governed by the laws of Jamaica, and the courts of Jamaica shall have jurisdiction.
14. Changes to These Terms
We may update these Terms from time to time. Updates will be posted on our website with a revised Effective Date.
1. No Legal Advice
Credit Clinic does not provide legal advice. Our services are educational and administrative support services. For legal advice, you should consult an attorney.
2. No Guaranteed Outcomes
Credit Clinic does not guarantee deletions, approvals, specific credit score increases, or any particular outcome. Outcomes depend on third parties, the accuracy of records, and your circumstances and follow-through.
3. Client Responsibilities
You agree to:
- provide accurate and complete information and documents;
- review drafts and documents provided by Credit Clinic before submission;
- follow the agreed action plan and timelines where applicable;
- promptly share responses received from credit bureaus/creditors relevant to your case; and
- keep your contact details up to date.
3. Authorization and Consent
Where required, you will sign an authorization allowing Credit Clinic to prepare documentation and provide support services on your behalf. You may withdraw consent at any time; however, withdrawal may limit our ability to continue services.
4. Fees and Payments
Fees are set out in your service agreement, invoice, or pricing schedule. Unless otherwise stated, fees are payable in accordance with the terms provided at the time of purchase.
5. Cancellation
Any applicable cancellation rights will be set out in your service agreement and/or required notices issued to you at onboarding. Where a statutory or contractual cooling-off period applies, it will be honoured in accordance with the terms provided.
6. Deliverables Guarantee and Refunds
Credit Clinic stands behind its service deliverables (for example: assessment, action plan, and/or documentation package as applicable to the service purchased). If Credit Clinic does not provide the agreed deliverables for the service purchased, you may request a review by emailing creditclinccl@gmail.com within fourteen (14) calendar days of the deliverable due date stated in your service agreement, invoice, or client portal. Where no deliverable due date is stated, the request must be made within fourteen (14) calendar days of delivery of the final deliverable.
Refunds are not provided solely because a desired outcome was not achieved, where deliverables were provided and services were performed as agreed.
7. Communications and Marketing
Service communications (e.g., appointment confirmations, administrative updates, and case-related messages) may be sent as necessary to deliver services.
Marketing messages will be sent only where you have opted in or where otherwise permitted by law. You may opt out at any time by using the unsubscribe option (where available) or emailing creditclinccl@gmail.com.
8. Privacy and Data Protection
We handle personal data in accordance with our Privacy Policy. We do not sell personal data and do not share personal data with third parties for their independent marketing. We may share limited personal data only with vetted service providers supporting our operations, professional advisers, or where required by law.
9. Third-Party Links and Services
Our website may contain links to third-party sites (e.g., secure client portal). We are not responsible for the privacy practices or content of third-party websites. Your use of third-party sites is at your own risk.
10. Intellectual Property
All website content, branding, templates, and educational materials are owned by or licensed to Credit Clinic and may not be copied, redistributed, or used commercially without written permission.
11. Limitation of Liability
To the fullest extent permitted by law, Credit Clinic is not liable for indirect or consequential losses arising from your use of the website or services, including losses resulting from third-party decisions, bureau/creditor processing timelines, or reliance on incomplete information provided by the client.
12. Complaints
If you have concerns about our services, contact us at creditclinccl@gmail.com and we will address the matter promptly and professionally.
13. Governing Law
These Terms are governed by the laws of Jamaica, and the courts of Jamaica shall have jurisdiction.
14. Changes to These Terms
We may update these Terms from time to time. Updates will be posted on our website with a revised Effective Date.
