Welcome to Credit Chica, a brand of Emivera Financial LLC (“Company,” “we,” “our,” or “us”).

 

By accessing this website or purchasing any of our services, you agree to these Terms & Conditions.

 

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1. Services

 

Credit Chica provides credit consulting, credit education, and financial education services. Future tax preparation services will be offered separately when available.

 

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2. No Guarantee of Results

 

Every client’s situation is unique. While we strive to provide quality services, we do not guarantee:

 

Credit score increases

Deletion of accurate information

Loan approvals

Mortgage approvals

Specific financial outcomes

 

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3. Client Responsibilities

 

Clients agree to:

 

Provide accurate information

Submit requested documentation promptly

Communicate honestly

Follow recommendations provided

 

Failure to cooperate may delay services.

 

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4. Payment

 

Payment is due before services begin unless otherwise agreed in writing.

 

Monthly services must remain current to continue receiving services.

 

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5. Intellectual Property

 

All website content, educational materials, logos, graphics, downloads, and documents are the property of Emivera Financial LLC and may not be copied or reproduced without written permission.

 

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6. Educational Purposes

 

The information provided on this website is for educational purposes only and should not be considered legal, tax, accounting, or financial advice.

 

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7. Limitation of Liability

 

Emivera Financial LLC shall not be liable for credit bureau decisions, creditor actions, lender decisions, or any financial losses resulting from the use of our services.

 

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8. Third-Party Services

 

Our website may contain links to third-party websites. We are not responsible for their content or privacy practices.

 

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9. Changes to These Terms

 

We reserve the right to update these Terms & Conditions at any time.

 

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10. CROA Compliance

 

Credit Chica complies with the federal Credit Repair Organizations Act (CROA) and all applicable federal and state laws governing credit consulting services.

 

All required disclosures and agreements will be provided before services begin.

 

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11. Contact

 

Questions regarding these Terms & Conditions may be directed to:

 

Emivera Financial LLC

 

mailto:info@creditchica.com