Legal

Terms of Service

Effective Date: May 15, 2026 · Last Updated: May 15, 2026

These Terms of Service (the “Terms”) are a binding legal agreement between you (“you,” “your,” or “User”) and Steil Enterprises LLC, a Texas limited liability company doing business as “The Credit Brothers” (“The Credit Brothers,” “TCB,” “Company,” “we,” “us,” or “our”). These Terms govern your access to and use of the website located at thecreditbrothers.com (the “Site”), our services, and, if you are enrolled as a Partner, your participation in our Partner Program (collectively, the “Services”).

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

These Terms incorporate by reference our Privacy Policy and any service-specific agreement you sign when you enroll in one of our paid programs.

Part A — General Terms

1. Acceptance of Terms

By creating an account, submitting information through the Site, purchasing a service, enrolling in a program, or otherwise using the Services, you confirm that you have read, understood, and agreed to these Terms. We may update these Terms from time to time as described in Section A.16; continued use of the Services after an update constitutes acceptance of the updated Terms.

2. Description of Services

TCB offers the following services. Each service is governed by a separate written service agreement that you sign at enrollment, which controls in the event of any conflict with these Terms for that specific service:

Credit Repair — A 180-day program of credit-report review, analysis, dispute correspondence, progress tracking, and general credit education intended to help clients address inaccurate, unverifiable, or obsolete items on their consumer credit reports. Specific deliverables, obligations, and the Consumer Credit File Rights disclosure required under state and federal law are set out in the separate Client Services Contract you sign at enrollment.
Business Funding — Referrals, education, and support related to obtaining business credit and business financing for qualified business owners.

The descriptions on the Site are summaries. Actual deliverables, fees, timelines, and obligations are set by the individual service agreement.

3. Eligibility

To use the Services, you represent and warrant that you: (a) are at least 18 years old; (b) are a legal resident of the United States; (c) have the legal capacity to enter into a binding agreement; (d) will provide accurate, complete, and current information; and (e) are not barred from using the Services under applicable law.

4. Account Registration & Security

You may need to create an account to access some Services. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at legal@thecreditbrothers.com of any unauthorized use. We are not liable for any loss resulting from your failure to safeguard your credentials.

5. Fees, Billing & Refunds

Fees for each Service are disclosed at the point of enrollment and detailed in the applicable service agreement. By enrolling, you authorize TCB (or our payment processor) to charge the payment method you provide.

Refund eligibility is governed by your service agreement and by applicable law. Work already performed is not refundable. Recurring fees continue until you cancel in accordance with your service agreement. We may suspend or terminate Services for non-payment.

6. Acceptable Use

You agree not to: (a) use the Services for any unlawful purpose; (b) submit false, misleading, or fraudulent information; (c) impersonate any person or entity; (d) interfere with or disrupt the Site or its underlying systems; (e) attempt to gain unauthorized access to any account, system, or data; (f) scrape, harvest, or use automated means to extract data from the Site; (g) reverse engineer or copy any portion of the Services; or (h) use the Services to harass, defame, or harm any person.

7. Intellectual Property

All content on the Site and within the Services — including text, graphics, logos, course materials, videos, scripts, templates, software, and the “The Credit Brothers” name and marks — is owned by TCB or its licensors and is protected by U.S. and international intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use, and (where you have purchased a course) for the personal educational use described in your service agreement. All other rights are reserved. You may not copy, reproduce, distribute, publicly display, modify, or create derivative works of any content without our prior written consent.

8. User Content & License Grant

You may submit testimonials, reviews, photos, success stories, or other content to TCB (“User Content”). You retain ownership of your User Content. By submitting User Content, you grant TCB a worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, modify, publish, and display the User Content in any media for any business purpose, including marketing. You represent that you own or have all necessary rights to the User Content and that it does not violate any third-party rights or applicable law.

9. Third-Party Services & Links

The Services may contain links to, or integrate with, third-party websites, products, or services (including, without limitation, our Partner Program CRM operated by Trulli/“Truly”). TCB does not control and is not responsible for any third-party site or service. Your use of third-party services is at your own risk and subject to the third party's terms.

10. Disclaimers — Results Not Guaranteed

The Services are provided “as is” and “as available,” without warranties of any kind, express or implied. TCB disclaims all implied warranties including merchantability, fitness for a particular purpose, title, and non-infringement.

TCB does not guarantee any specific outcome, credit score increase, or modification to any credit account or report. Without limitation, TCB does not guarantee: (a) any specific increase in credit score; (b) the removal of any specific item from any credit report; (c) approval for any specific amount of business funding or credit; (d) any specific tax or financial outcome; or (e) the time required to achieve any result. Results vary based on individual circumstances. Statements made on the Site or in marketing materials describing past client outcomes are not promises and should not be interpreted as such.

You acknowledge that neither you nor any “credit repair” company or credit-repair organization has the right to have accurate, current, and verifiable information removed from your credit report. Under federal law, a consumer reporting agency must remove accurate, negative information only if it is over seven (7) years old, except that bankruptcy information may be reported for up to ten (10) years.

TCB is not a law firm, a CPA firm, a lender, a credit bureau, or a financial advisor. Nothing on the Site or in the Services constitutes legal, tax, accounting, or investment advice.

11. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall TCB, its affiliates, officers, employees, agents, or licensors be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, loss of data, loss of goodwill, or business interruption, arising out of or relating to the Services or these Terms, even if advised of the possibility of such damages.

TCB's total aggregate liability to you for all claims arising out of or relating to the Services or these Terms shall not exceed the greater of (a) the total fees you paid to TCB in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

CROA carve-out. Nothing in these Terms limits or waives any right or claim you may have under the federal Credit Repair Organizations Act (15 U.S.C. §§ 1679 et seq.) (“CROA”). Except for claims arising under CROA, your sole remedy against TCB for any claim arising out of the performance of the Services shall be a refund of the fees you paid to TCB for the Service giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.

12. Indemnification

You agree to indemnify, defend, and hold harmless TCB and its affiliates, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any law or any third-party right; or (d) any User Content you submit.

13. Dispute Resolution — Arbitration & Class Action Waiver

Please read this section carefully — it affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a “Dispute”) shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its then-current Consumer Arbitration Rules. The arbitration shall take place in Austin, Texas, or by remote/video hearing if elected by either party. Judgment on the award may be entered in any court of competent jurisdiction.

You and TCB each waive the right to a jury trial and the right to participate in a class action, class arbitration, or representative proceeding. Disputes must be brought in an individual capacity only.

The following are excluded from mandatory arbitration: (a) small-claims-court actions within that court's jurisdictional limits; and (b) actions seeking injunctive relief to protect intellectual property rights.

You may opt out of this arbitration provision by sending written notice to legal@thecreditbrothers.com within 30 days of first accepting these Terms.

14. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Subject to Section A.13, the exclusive jurisdiction and venue for any non-arbitrable Dispute shall be the state and federal courts located in Travis County, Texas.

15. Termination

We may suspend or terminate your access to the Services at any time, with or without cause and with or without notice, including for any violation of these Terms. You may stop using the Services at any time. Sections that by their nature should survive termination (including IP, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law) will survive.

16. Changes to Terms

We may modify these Terms at any time by posting the updated version on the Site and updating the “Last Updated” date. Material changes will be communicated by reasonable means (such as email or an on-Site notice). Your continued use of the Services after the effective date of the updated Terms constitutes your acceptance of those changes.

17. Contact

Questions about these Terms? Contact us at: Steil Enterprises LLC d/b/a The Credit Brothers, 5900 Balcones Drive, Suite 100, Austin, TX 78731. Email: legal@thecreditbrothers.com

Part B — Partner Program Terms

Part B applies in addition to Part A for any individual or entity enrolled in the TCB Partner Program (“Partner”). In the event of a direct conflict between Part A and Part B with respect to the Partner Program, Part B controls.

B.1 Partner Program Overview & Eligibility

The TCB Partner Program (the “Program”) allows approved Partners to refer prospective clients to TCB in exchange for a referral fee for each Closed Client (defined below), calculated according to Section B.5. To be eligible, you must: (a) be at least 18 years old; (b) be a legal resident of the United States; (c) provide accurate registration information; (d) complete and return a Form W-9 before any payout; and (e) not be on any U.S. government sanctions or denied-parties list.

B.2 Enrollment & Approval

Enrollment is subject to TCB's approval in TCB's sole discretion. TCB may approve, deny, suspend, or terminate any Partner application or account at any time, with or without cause. Partners track referrals, leads, and payouts through TCB's designated Partner CRM (currently operated on the Trulli “Truly” platform). Partners are responsible for maintaining accurate contact and payment information in the CRM.

B.3 Qualifying Services for Referrals

Partners may refer prospective clients only for the following TCB services: Credit Repair and Business Funding. TCB may add, remove, or modify Qualifying Services at any time on a prospective basis under Section B.13.

B.4 Closed Client / Qualified Referral

A “Closed Client” means a prospective client who:

Is properly attributed to the Partner through the Partner CRM (see Section B.6);
Is new to TCB (not an existing or former TCB client, not previously contacted or already in TCB's pipeline, and not referred by another Partner first);
Enrolls in a Qualifying Service and signs the applicable service agreement; and
Makes the first successful payment for that service and remains a paying client through the end of any applicable refund or cancellation window.

A referral that does not meet all of the above conditions is not a Closed Client and does not earn a referral fee.

B.5 Compensation

TCB pays Partners a referral fee for each Closed Client, calculated as follows:

Credit Repair: $250 flat fee per Closed Client
Business Funding: 20% of the net invoice amount actually paid by the Closed Client to TCB for the Business Funding engagement

For Business Funding, the referral fee is calculated only on amounts actually received and retained by TCB from the Closed Client (i.e., after any refunds, chargebacks, or fee reversals). If TCB receives the invoice amount in installments, the Partner's commission accrues proportionally as each installment clears and the refund/cancellation window for that installment expires.

Payment terms: Net 30 days following the end of the applicable refund/cancellation window for the Closed Client. Payment by ACH transfer to the U.S. bank account designated by the Partner in the Partner CRM; alternative methods (e.g., Wise) may be offered at TCB's discretion for non-U.S. Partners. Minimum payout threshold: $50 — earnings below the threshold roll forward to the next pay cycle.

No fee is payable on: (a) referrals that are charged back, refunded, or canceled within the refund window; (b) fraudulent, self-, or family-member referrals; (c) referrals already in TCB's pipeline or previously contacted by TCB; (d) referrals to services outside Section B.3; or (e) referrals where the Partner has materially breached these Terms. TCB reserves the right to claw back or offset any referral fee paid on a referral later determined to be ineligible, fraudulent, or charged back.

B.6 Attribution & Tracking

The Partner CRM (Trulli “Truly”) is the system of record for all referral attribution. A referral is attributed to the Partner who is recorded as the first-touch referrer in the CRM. In the event of an attribution conflict, TCB's records and good-faith determination control. Partners must not manipulate, falsify, or circumvent attribution mechanisms.

B.7 Partner Conduct & Marketing Restrictions

Partners must promote TCB lawfully, accurately, and professionally. Partners shall not:

Make any false, misleading, or unsubstantiated claim about TCB, its Services, or potential results;
Promise or guarantee any specific credit score increase, removal of any specific tradeline, funding approval, dollar amount of funding, or timeline to any prospective client;
Suggest that TCB is a law firm, lender, government agency, or credit bureau, or that TCB has any special relationship with the credit bureaus;
Send unsolicited commercial communications (including SMS, calls, faxes, or email) in violation of the TCPA, CAN-SPAM Act, Telemarketing Sales Rule, or any other applicable law;
Use purchased, scraped, or rented contact lists;
Bid on TCB trademarks, brand names, or close variants in paid search, or use TCB marks in misleading display URLs or ad copy;
Impersonate TCB, register domains or social-media accounts that include TCB marks, or otherwise create confusion about the source of any communication;
Omit a clear and conspicuous disclosure of the material referral relationship with TCB (as required by the FTC's Endorsement Guides, 16 C.F.R. Part 255) whenever promoting TCB publicly;
Operate in any U.S. state or jurisdiction where the Partner's referral activity would require a license the Partner does not hold; or
Engage in any activity that, in TCB's reasonable judgment, harms or could harm TCB's reputation, clients, or business.

Partners are responsible for understanding and complying with all laws applicable to their referral activities, including those governing advertising, telemarketing, consumer credit, and consumer protection.

B.8 Use of TCB Brand Assets

TCB grants Partners a limited, revocable, non-exclusive, non-transferable, royalty-free license to use TCB's name, logos, and approved marketing assets solely for the purpose of promoting TCB under the Program. Partners must use only the assets and copy provided or approved by TCB, must not modify them, and must comply with any brand guidelines TCB provides. This license terminates automatically upon termination of the Partner's participation in the Program, and Partners must promptly cease all use of TCB brand assets thereafter.

B.9 Independent Contractor Status

The relationship between TCB and Partner is that of independent contractors. Nothing in these Terms creates an employment, agency, partnership, joint venture, or franchise relationship. Partners have no authority to bind TCB, make representations on TCB's behalf, accept payments from prospective clients on TCB's behalf, or enter into agreements with prospective clients on TCB's behalf.

B.10 Confidentiality

In the course of participating in the Program, Partners may receive non-public information about TCB, its clients, leads, pricing, processes, and business operations (“Confidential Information”). Partners shall: (a) use Confidential Information solely to perform under the Program; (b) protect it with at least the same care they use for their own confidential information (and no less than a reasonable standard of care); and (c) not disclose it to any third party. Lead and client personal information shall be treated with strict confidentiality and used only as permitted under applicable privacy laws and TCB's Privacy Policy.

B.11 Tax Reporting

Partners are responsible for all taxes owed on referral fees received. Partners must submit a completed IRS Form W-9 (or applicable equivalent) before TCB will issue any payment. TCB will issue an IRS Form 1099-NEC (or other applicable form) when required by law. Partners outside the United States may be required to provide additional documentation.

B.12 Term & Termination of Partner Status

The Program is at-will. Either TCB or the Partner may terminate the Partner's participation in the Program at any time, with or without cause, and with or without notice.

Effect of termination: (a) the Partner's license to use TCB brand assets terminates immediately; (b) referrals submitted before termination remain eligible for fees if and when they meet the definition of a Closed Client under Section B.4, provided termination was not for the Partner's breach of these Terms or for fraudulent activity; and (c) if termination was for breach or fraud, TCB may forfeit any pending, unpaid referral fees.

B.13 Modification of Program Terms

TCB may modify the Program — including referral-fee amounts, qualifying services, payment terms, conduct rules, and eligibility — at any time on a prospective basis by posting the updated terms or notifying Partners through the Partner CRM. Changes will not retroactively reduce a referral fee already earned on a Closed Client whose first successful payment occurred before the change.

B.14 Survival

Sections B.4 (with respect to pending qualifying referrals), B.5 (with respect to fees earned before termination), B.6, B.7 (with respect to ongoing conduct), B.9, B.10, B.11, and B.14, together with all surviving provisions of Part A, survive any termination or expiration of the Partner's participation in the Program.

General Provisions (apply to all Parts)

Entire Agreement. These Terms (together with the Privacy Policy and any applicable service agreement) are the entire agreement between you and TCB regarding the Services and supersede all prior or contemporaneous agreements on that subject.
Severability. If any provision is held unenforceable, the remaining provisions remain in full force.
No Waiver. Failure to enforce any provision is not a waiver of the right to enforce it later.
Assignment. You may not assign these Terms without TCB's prior written consent. TCB may assign these Terms freely, including in connection with a sale, merger, or reorganization.
Force Majeure. Neither party is liable for any failure or delay caused by events beyond reasonable control.
Notices. Notices to TCB must be sent to legal@thecreditbrothers.com and (for legal notices) to Steil Enterprises LLC, 5900 Balcones Drive, Suite 100, Austin, TX 78731. Notices to you may be sent to the email address associated with your account or posted on the Site.