Terms of Service

1. Educational products only

Behnke Credit Co. sells digital educational materials, templates, and self-guided tools. We are not a credit repair organization, law firm, or financial advisor, and we do not perform disputes on your behalf.

2. Your account

Portal access is a one-time purchase tied to the email you use at checkout. You are responsible for keeping your login credentials secure and for all activity under your account.

3. License and use

Purchases grant you a personal, non-transferable license to use the materials for your own credit file. You may not:

• resell, redistribute, or publish the materials;
• use them to provide credit repair services to others;
• share portal access with anyone else.

4. No guarantees

Outcomes depend on your individual credit file and on how bureaus and furnishers respond. Accurate and verifiable information cannot be removed. We make no promise of any specific score change or deletion.

5. Payments

Payments are processed by Stripe. Prices are in U.S. dollars and may change at any time.

6. Credit repair billing cycle and late fees

For clients enrolled in a one-on-one credit repair agreement, the billing cycle closes on the 5th of every month. Payment is due on or before the 5th.

• Accounts not paid in full by the 5th are considered late beginning the 6th.
• A $35 late fee is automatically applied to any account late as of the 6th.
• Continued non-payment may move your account to past due, payment plan, collections, or written-off status as described in your service agreement.

These billing terms are part of your contract with Behnke Credit Co. and apply to all active and legacy credit repair accounts.

7. Legacy client accounts

Previous one-on-one credit repair clients now access their account through the new client portal. The legacy portal remains viewable during the transition and will be retired permanently after August 31, at which point all account history, balances, and status updates live in the new portal only.

8. Limitation of liability

To the fullest extent permitted by law, Behnke Credit Co. is not liable for indirect or consequential damages arising from your use of the materials. Our total liability is limited to the amount you paid.

9. Contact

Questions about these terms: hello@behnkecredit.com