Terms of Service

Last Updated: July 24, 2026

Welcome to Grace Credit Systems Inc. (“Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, services, and digital tools (collectively, the “Services”).

By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Description of Services

Grace Credit Systems Inc. provides educational resources, credit consultation, credit repair assistance, and debt relief tools.

Educational Tools: Information provided on this website is for educational and informational purposes only.
Formal Services: Any professional credit repair or debt relief services provided directly to a client will be governed by a separate, formal Client Service Agreement in compliance with applicable federal and state laws.

2. Important Disclosures & Legal Rights

Right to Self-Repair: Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit report yourself, directly with the credit bureaus, for free. You are not required to hire a third party to perform this service.
No Upfront Fees: In compliance with the Credit Repair Organizations Act (CROA) and federal telemarketing rules, we do not charge or collect fees before performing promised credit repair services or reaching required debt resolution milestones.
Guarantees: We do not guarantee specific outcomes, credit score increases, or debt settlement percentages. Results vary based on individual financial profiles, creditor policies, and credit bureau evaluations.

3. User Responsibilities & Representations

By using this website, you represent and warrant that:

You are at least 18 years of age.
All information you provide to us is accurate, current, and complete.
You will not use our website for any illegal, unauthorized, or fraudulent purpose.

4. Intellectual Property

All content on this website—including logos, text, graphics, graphics, software, and tools—is the exclusive property of Grace Credit Systems Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, or distribute any content without our prior written consent.

5. Third-Party Links & Services

Our website may contain links to third-party websites, tools, or resources (such as credit monitoring services or payment processors). We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party services.

6. Limitation of Liability

To the fullest extent permitted by law, Grace Credit Systems Inc., its officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of (or inability to use) our website or services.

7. Indemnification

You agree to indemnify, defend, and hold harmless Grace Credit Systems Inc. from any claims, damages, liabilities, costs, or expenses (including reasonable attorney fees) arising from your breach of these Terms or your misuse of our website.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado without regard to its conflict of law principles.

9. Changes to These Terms

We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting to this page with an updated “Last Updated” date. Continued use of the website after changes are posted constitutes acceptance of the modified Terms.

10. Contact Information

If you have questions or concerns regarding these Terms of Service, please contact us at:

Company Name: Grace Credit Systems Inc.
Email: support@gracecreditsystems.com
Phone: Please email us first RE: The Telephone Sales Rule (TSR)
Mailing Address: 110 16th Street, Ste. 1460, Denver, CO, 80202