Legal
Terms of Use
Platform terms for use of DIY Credit Repair.
1. About the service
DIY Credit Repair is a self-service education, document, case-management and credit-data platform. It provides tools that help members understand information, prepare their own correspondence and organise follow-up activity. It does not guarantee a particular credit result and does not itself make credit-bureau or credit-provider decisions.
2. Account eligibility and security
You must provide accurate account information and keep your login credentials secure. You are responsible for activity performed through your account unless you promptly report suspected unauthorised access. The service is intended for adult consumers managing their own credit-related information.
3. Fixed access periods
Membership access is sold for the stated fixed period selected at checkout. The current plans are 3, 6 and 12 months and are paid once-off. A purchase does not create a recurring monthly membership debit order. Access is activated only after the payment workflow records a successful verified payment or another authorised activation event.
4. Payments and refunds
Payments may be processed by third-party payment providers. Their terms, security controls and transaction rules may also apply. Refund requests are considered in accordance with applicable law, the circumstances of the transaction and the extent to which digital access or services have already been supplied. Nothing in these Terms is intended to exclude a consumer right that cannot lawfully be excluded.
5. Document tools
Generated documents are based on the facts and selections supplied by the member. You remain responsible for checking that names, account references, dates, recipient details and factual statements are accurate before sending a document. The tools do not create an attorney-client relationship or make DIY Credit Repair your legal representative.
6. Credit bureau and provider data
DIY Credit Repair is not a credit bureau. Live report, score, monitoring or alert functions are available only where a relevant provider has approved and enabled the integration. Separate consent or identity steps may be required. Bureau information can differ between providers and can change over time.
7. Acceptable use
You may use the platform for lawful personal self-service purposes. You may not use it to impersonate another person, submit information you know is false, interfere with the service, attempt to access another member’s records, bypass security controls, or reproduce and resell protected platform content or document systems without permission.
8. Intellectual property
The platform software, branding, original educational content, workflows and original document-system content remain protected by applicable intellectual-property rights. Your own factual information and uploaded supporting material remain yours, subject to the permissions required to operate the service.
9. Service availability and changes
We may maintain, improve, replace or retire platform features. Third-party services may also change independently. We aim to keep the service available and secure, but uninterrupted or error-free availability cannot be guaranteed.
10. Third-party services
The platform may connect to payment providers, email/SMS services, hosting infrastructure and, where approved, credit-data providers. Those organisations operate their own systems and may have separate terms or privacy notices.
11. Limitation and professional advice
To the extent permitted by law, DIY Credit Repair is not responsible for decisions made by credit bureaux, credit providers, collectors, courts or other third parties. Educational material and document tools are not a substitute for personalised legal, debt-counselling, tax or financial advice. Obtain appropriate professional help where your matter requires it.
12. Suspension or termination
Access may be restricted where reasonably necessary to protect the service, investigate misuse, comply with law, address security risk or enforce these Terms. Expiry of a fixed access period is not the same as deletion of records; retention and deletion are handled under the Privacy Policy and applicable obligations.
13. Changes to these Terms
These Terms may be updated as the platform or applicable requirements change. Material changes will be published on this page and, where appropriate, communicated through the service.
14. Governing law and contact
These Terms are governed by the laws applicable in the Republic of South Africa. For support or questions about these Terms, use the Contact page.