Terms Of Service

Terms and Conditions

Effective Date: January 1, 2026

Welcome to The WealthyLab. These Terms and Conditions ("Terms") govern your use of our website, services, and client portal. By accessing or using our website or services, you agree to be bound by these Terms.

If you do not agree, you must not use our services.

1. Company Information

The WealthyLab
2001 L St NW Ste 500
Washington, DC 20036
United States

Email: [email protected]
Website: https://www.thewealthylab.com

2. Description of Services

The WealthyLab provides credit repair and credit education services, including but not limited to:

Credit report reviews
Credit dispute services
Credit education
Credit monitoring assistance
Credit profile improvement strategies
Client portal access
Consultations

We work to dispute inaccurate, unverifiable, outdated, or misleading information on your credit reports in accordance with applicable laws.

We do not provide legal services.

3. No Guarantee of Results

You understand and agree that:

We do not guarantee specific credit score increases.

We do not guarantee removal of any particular item.

Results vary based on your individual credit profile.

Credit bureaus and creditors make the final decision regarding disputes.

4. Credit Repair Organizations Act (CROA) Compliance

You have the right under federal law to:

Dispute inaccurate information yourself at no cost.

Use another credit repair organization.

Cancel your contract within three (3) business days without charge.

You are not required to purchase our services to improve your credit.

5. Client Responsibilities

By using our services, you agree to:

Provide accurate and truthful information

Provide required identification and documentation

Respond to requests in a timely manner

Not provide false, misleading, or fraudulent information

Maintain communication with our team

Failure to cooperate may affect your results.

6. Payments and Fees

By purchasing our services, you agree to pay all applicable fees.

Fees may include:

Setup fees
Monthly service fees
One-time service fees

All payments are earned for services rendered.

Failure to make payments may result in suspension or termination of services.

7. Refund Policy

Refund eligibility is governed by your specific service agreement.

If your plan includes a money-back guarantee, it will be honored according to the terms stated in your agreement.

Refunds will not be issued for services already performed unless required by law.

8. Cancellation Policy

You may cancel services at any time by contacting:

[email protected]

Cancellation does not guarantee a refund for prior services performed.

Your legal right to cancel within three (3) business days of enrollment remains protected.

9. Client Portal

You may receive access to a secure client portal.

You agree to:

Keep login credentials confidential

Not share your account

Accept responsibility for all activity under your account

We are not liable for unauthorized access caused by your actions.

10. Communication Consent

By using our services, you consent to receive:

Emails
Phone calls
SMS messages
Service notifications

Message and data rates may apply.

You may opt out at any time.

11. Intellectual Property

All website content, including:

Text
Graphics
Logos
Design
Videos

Are the property of The WealthyLab.

You may not copy, reproduce, or distribute without written permission.

12. No Legal or Financial Advice

Our services are for educational and informational purposes only.

We do not provide legal, tax, or financial advice.

You should consult licensed professionals when needed.

13. Limitation of Liability

To the fullest extent permitted by law, The WealthyLab is not liable for:

Credit score changes
Credit denials
Financial losses
Decisions made by credit bureaus
Decisions made by lenders

You use our services at your own risk.

14. Indemnification

You agree to indemnify and hold harmless The WealthyLab from any claims, damages, or expenses resulting from:

Your use of our services
Your violation of these Terms
Your misuse of our services

15. Termination

We reserve the right to terminate services if you:

Provide false information
Abuse our staff
Violate these Terms
Fail to make payments

16. Third-Party Services

We may use third-party providers to deliver services.

We are not responsible for their actions.

17. Privacy

Your use of our services is also governed by our Privacy Policy.

18. Changes to Terms

We may update these Terms at any time.

Updates will be posted on our website.

Your continued use of services constitutes acceptance.

19. Governing Law

These Terms are governed by the laws of the United States and the District of Columbia.

20. Contact Information

The WealthyLab
2001 L St NW Ste 500
Washington, DC 20036

Email: [email protected]

21. Agreement

By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

© 2026 The WealthyLab. All Rights Reserved.