Legal

Terms & Conditions

Effective Date: 01/01/2026

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Welcome to Crystal Financial By using this website or our services, you agree to the following Terms & Conditions.

1. No Guarantee of Results

We do not guarantee any specific credit score increase, deletion of accurate information, loan approval, or financial outcome. Results vary based on individual credit history and clients doing their part while we fix their credit

2. No Upfront Fees

We do not charge or collect prohibited advance fees for credit repair services. Any fees charged are in compliance with applicable federal and state laws, including the Telemarketing Sales Rule (TSR) and Credit Repair Organizations Act (CROA).

3. Consumer Rights

You have the right to:

  • dispute inaccurate information yourself at no cost,
  • receive a written agreement before services begin,
  • cancel services within three (3) business days without penalty.

4. No Legal or Financial Advice

Our services are for educational and informational purposes only and do not constitute legal, tax, or financial advice.

5. Communications Consent

By submitting your information, you consent to receive communications from us via phone, email, and SMS. Consent is not required to purchase services. You may opt out at any time.

6. Prohibited Activities

We do not encourage or support fraudulent activity, including creating false identities, disputing accurate information falsely, or misrepresenting personal information.