Legal
Terms of Use
The ground rules for using this website.
Using this website
By using this website you agree to these terms. You agree to use it lawfully, to provide accurate information in our forms, and not to interfere with the website’s security or operation.
Educational content
Articles, guides, tools and calculators on this website are general education, not legal, tax or financial advice. Tools run in your browser and are estimates only. Laws change and apply differently to different facts.
Services
Submitting a form does not create a client relationship. Services begin only after you receive the required disclosures, sign a written service agreement, and your 3-business-day cancellation period has passed. Read your rights and disclosures.
Reviews
Reviews are published only with the reviewer’s permission and after our approval. We do not write, pay for or edit reviews. Individual experiences are not guarantees of similar results.
Partner programs
Referral and outsourcing partners are subject to separate partner agreements. Partners may not make promises or guarantees on our behalf.
Links to other websites
Links to credit bureaus, government agencies and other websites are provided for convenience. We are not affiliated with or endorsed by them, and their own terms and policies apply.
Intellectual property
The content, design and logo of this website belong to Kaironeek Financial LLC. You may share links and print pages for personal use.
Comment guidelines
We welcome comments that add to the conversation. To comment you sign in with your email; only your first name and last initial are shown, never your email. Every comment is reviewed before it appears, and we may decline or remove any comment. Please:
- Be respectful — no harassment, hate speech or personal attacks.
- Don’t share personal or financial details (account numbers, Social Security numbers, addresses) — for help with your own file, contact us privately.
- No advertising, links or spam (links are removed automatically).
- Comments are the opinions of their authors, not legal advice, and don’t represent Kaironeek Financial.
Limitation of liability
To the extent the law allows, Kaironeek Financial LLC is not liable for indirect or consequential damages arising from use of this website. Nothing in these terms limits any rights you have under the Credit Repair Organizations Act or other consumer protection laws, which cannot be waived.