Terms & Conditions

The Product offered by MyHouseGram LLC is strictly an educational resource designed to provide information, tools, and guidance related to credit repair and consumer rights under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).

By purchasing this Product, you acknowledge that you are solely responsible for how you use the information and tools provided. You are encouraged to consult with a qualified attorney, certified financial planner, or licensed credit counselor for advice specific to your individual circumstances.

The information, strategies, and AI prompts provided in this Product are based on legal frameworks, consumer rights, and best practices related to credit reporting and dispute processes. However, individual results may vary based on numerous factors, including but not limited to:

• The accuracy and verifiability of the information on your credit reports
• The responsiveness of credit bureaus and creditors to dispute requests
• Your individual credit history and financial circumstances
• How accurately and consistently you apply the strategies provided

We make no guarantees, promises, or warranties regarding specific outcomes, credit score improvements, or the removal of items from your credit reports. Any testimonials, case studies, or examples shared are for illustrative purposes only and do not represent typical results.

The Product is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Product will meet your specific needs or expectations
• Warranties regarding the accuracy, completeness, or reliability of the information
• Guarantees of specific credit score improvements or outcomes

MyHouseGram LLC expressly disclaims all liability for any errors, omissions, or inaccuracies in the Product. You use the Product at your own risk and are solely responsible for any consequences arising from your use of the information provided.

All content included in the Product, including but not limited to text, graphics, logos, AI prompts, templates, workflows, and other materials (collectively, the "Content"), is the exclusive property of MyHouseGram LLC and is protected by United States and international copyright, trademark, and intellectual property laws.

Violations of these restrictions may result in legal action, including claims for copyright infringement, breach of contract, and other remedies available under applicable law.

By purchasing the Product, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Product solely for your own personal, non-commercial use.

Each purchase of the Product is for one individual user only. If multiple people wish to use the Product, each person must purchase their own separate license.

Because the Product is a digital product delivered electronically with instant access upon purchase, all sales are final.

If you experience technical issues accessing your Product after purchase, please contact us at [email protected], and we will work to resolve the issue.

To the fullest extent permitted by law, MyHouseGram LLC, its owners, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use or inability to use the Product
• Any errors, omissions, or inaccuracies in the Product
• Any credit score changes, denials, or outcomes resulting from your use of the Product
• Any loss of profits, data, or business opportunities

In no event shall MyHouseGram LLC's total liability to you exceed the amount you paid for the Product.

By purchasing and using the Product, you agree to:

• Use the information provided responsibly and ethically
• Comply with all applicable federal, state, and local laws, including the FCRA and FDCPA
• Not use the Product to engage in fraudulent, deceptive, or illegal activity
• Seek professional legal or financial advice when needed

You acknowledge that you are fully responsible for any actions you take based on the information in the Product and any consequences that may result.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New Jersey, United States of America, without regard to its conflict of law principles.

Any disputes, claims, or controversies arising out of or related to these Terms or the Product shall be resolved exclusively in the state or federal courts located in New Jersey. By purchasing the Product, you consent to the personal jurisdiction and venue of these courts.

We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting the revised Terms on our website with a new "Effective Date."

Your continued use of the Product after any changes indicates your acceptance of the updated Terms. It is your responsibility to review these Terms periodically.

If you have any questions or concerns regarding these Terms and Conditions, please contact us at: