Terms & Conditions
Effective Date: October 10, 2025
Company: [Thames Legacy LLC d/b/a EquiFix] ("EquiFix," "we," "us," or "our")
Website: https://getequifix.com (the "Site")
Contact: support@getequifix.com | (800) 870‑4715 | 8012 Tyler Street, Merrillville, IN 46410
Plain‑English Summary (not a substitute for the full terms): By using our Site or purchasing services, you agree to these Terms, our Privacy Policy, and any service‑specific agreements we present at checkout or e‑signature. We don’t guarantee specific credit scores, funding amounts, or timelines. Results depend on your profile and your follow‑through.
1) Acceptance of the Terms
These Terms & Conditions (the "Terms") form a binding agreement between you and EquiFix. By accessing or using the Site, creating an account, booking a consultation, or purchasing any products or services (collectively, the "Services"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Site or Services.
2) Eligibility & Accounts
You must be at least 18 years old and capable of forming a binding contract.
You are responsible for safeguarding your account credentials and for all activities under your account.
You agree to provide accurate, current, and complete information and to keep it updated.
3) Services We Provide (Overview)
EquiFix offers educational resources, credit‑related consulting, and business funding guidance. Some Services may involve communications with consumer reporting agencies (CRAs), furnishers, financial institutions, and/or service partners you authorize. Service‑specific terms will be presented for signature (e.g., client agreement, authorization forms, disclosures) before work begins.
Important Limitations
No Guarantee: We do not guarantee any specific credit score improvement, deletion outcome, funding approval, amount, interest rate, or timeline. Outcomes depend on third‑party actions and your cooperation.
Education Only / Not Legal, Tax, or Financial Advice: Information on the Site is for general informational and educational purposes and is not legal, tax, accounting, or investment advice. Consult your attorney, CPA, or advisor.
Timeframes Are Estimates: Any timelines we share are estimates only.
4) Compliance Notes
We strive to operate in accordance with applicable laws and industry standards, including, as relevant, the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Gramm‑Leach‑Bliley Act (GLBA), Equal Credit Opportunity Act (ECOA), and Metro 2® reporting guidelines. Where applicable (and required by law), you will receive separate written disclosures and cancellation rights (e.g., under the Credit Repair Organizations Act (CROA)).
If a law grants you additional rights, those rights are not waived by these Terms.
5) Your Responsibilities
Maintain active credit monitoring as requested (e.g., MyScoreIQ or equivalent) and promptly share documents we need (ID, proof of address, bureau letters, bank statements as applicable, etc.).
Respond to our requests and follow instructions for best results.
Use the Site and Services only for lawful purposes and in accordance with these Terms.
6) Payments, Billing & Promotions
Prices and packages will be shown at checkout or in your client agreement. Taxes may apply.
Certain Services may be offered with paid‑in‑full or payment‑plan options. If you choose a payment plan, work may be delivered in phases; paid‑in‑full may allow faster sequencing, per your service agreement.
Promotions/discount codes may have additional terms and are valid only as stated.
Chargebacks: You agree to contact us first to resolve any billing concerns. Initiating an unwarranted chargeback may result in suspension or termination of Services.
Refunds: Unless expressly stated in a signed service agreement or required by law, fees are non‑refundable once work begins. Any guaranteed‑refund offers must be in writing and will control.
7) Cancellations
How to cancel and what happens after cancellation will be governed by your signed service agreement and applicable law. Where required by law (e.g., CROA in certain contexts), you may have a three‑business‑day right to cancel after signing. Instructions will be included in your agreement or disclosure.
8) Third‑Party Services & Partners
We may reference or link to third‑party sites (e.g., lenders, monitoring providers such as MyScoreIQ). We are not responsible for third‑party content, terms, or privacy practices.
Affiliate Disclosure: We may earn commissions from certain third‑party referrals at no additional cost to you. We only recommend tools we believe are useful, but you should evaluate independently.
9) Intellectual Property
All content on the Site—including text, graphics, logos, icons, images, audio, video, software, and design—is owned by EquiFix or its licensors and protected by IP laws. You may not copy, modify, distribute, perform, display, create derivative works from, or exploit any content without our prior written consent.
10) User Content & License
If you submit content (testimonials, reviews, comments, uploads), you grant EquiFix a worldwide, non‑exclusive, royalty‑free license to use, reproduce, modify, publish, display, and distribute such content in connection with the Site and Services, subject to our Privacy Policy and any written agreements.
11) Testimonials & Results Disclosures
Client stories and testimonials reflect individual experiences. They are not a promise that you will achieve similar results. Many factors affect outcomes, including your credit history, debts, income, lender criteria, and your responsiveness.
12) Communications; E‑Sign; SMS/Email Consent
By providing your email and phone number, you consent to receive informational and marketing emails and text messages from us and our service providers. Message/data rates may apply. Frequency varies. You can opt out of marketing texts by replying STOP; opt out of marketing emails via unsubscribe links.
We use electronic signatures and records. By proceeding, you consent to e‑sign and to receive documents electronically.
13) Prohibited Uses
You agree not to use the Site to:
Violate any law or infringe any IP or privacy rights.
Engage in fraud, identity theft, or misrepresentation.
Upload malicious code or attempt to interfere with the Site’s operation.
Scrape or harvest data without authorization.
14) Disclaimers; Limitation of Liability
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, EQUIFIX WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS/REVENUE/GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR CLAIMS ARISING OUT OF OR RELATED TO THE TERMS, THE SITE, OR SERVICES WILL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE SERVICE(S) AT ISSUE IN THE 3 MONTHS PRECEDING THE CLAIM.
15) Indemnification
You agree to defend, indemnify, and hold harmless EquiFix, our owners, officers, employees, and agents from and against claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your use of the Site/Services; (b) your breach of these Terms; or (c) your violation of any law or third‑party right.
16) Changes to the Site or Terms
We may update the Site and these Terms from time to time. We’ll post the updated Terms with a new Effective Date. Your continued use after changes means you accept the revised Terms.
17) Suspension/Termination
We may suspend or terminate access to the Site/Services for any violation of these Terms or suspected fraud or abuse.
18) Governing Law; Dispute Resolution
These Terms are governed by the laws of the State of Indiana, without regard to conflicts rules.
Arbitration & Class Action Waiver: To the fullest extent permitted by law, any dispute arising out of or relating to these Terms, the Site, or the Services will be resolved by binding arbitration on an individual basis. You and EquiFix waive any right to a jury trial or to participate in a class or representative action. Procedures and venue will be specified in your service agreement or, if none, by the rules of a reputable arbitration provider in Indiana. Some matters may be brought in small claims court.
19) International Use
If you access the Site from outside the United States, you are responsible for compliance with local laws. We do not represent that the Site or Services are appropriate or available in all jurisdictions.
20) Privacy Policy
Your use of the Site is also governed by our Privacy Policy, which explains what data we collect and how we use, share, and protect it. Please review it carefully.
21) Contact Us
Questions about these Terms?
Email: support@getequifix.com
Phone: (800) 870‑4715
Mailing Address: 8012 Tyler Street, Merrillville, IN 46410
Service‑Specific Addenda (Summaries)
These sections summarize common service terms for clarity. Your signed client agreement controls if there is any conflict.
A. Credit Report Review & Dispute Support
We assist you in reviewing credit reports and identifying potential inaccuracies or incomplete information.
We may provide letter templates and guidance; where authorized, we may send disputes on your behalf.
You agree to promptly forward all bureau and furnisher responses.
No guarantee of deletions, corrections, score increases, or lender approvals.
B. Business Funding Guidance
We provide educational guidance on lender criteria, documentation prep, and sequencing.
Approvals and terms are determined solely by lenders and market conditions.
You are responsible for truthful, accurate applications and compliance with lender rules.
C. Payment Plan vs Paid‑in‑Full (if offered)
Payment plan: services may be executed in phases aligned to installments.
Paid‑in‑full: services may be scheduled more rapidly, subject to capacity and your responsiveness.
D. MyScoreIQ & Monitoring Partners
We may recommend or resell monitoring plans. Partner terms apply.
We may earn commissions on referrals. You can use any equivalent monitoring that provides tri‑merge access and history.
Defined Terms
“Client Agreement” means any service contract or e‑sign document you accept for a specific engagement.
“CRAs” means consumer reporting agencies (e.g., Equifax, Experian, TransUnion).
“Furnishers” means entities that report data to CRAs (e.g., creditors, collectors).
“Services” means any offering provided by EquiFix through the Site or separate agreement.
Severability; No Waiver
If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver of our right to do so later.