Terms & Conditions

Last updated: [1/27/2026]

These Terms & Conditions (“Terms”) govern your access to and use of the PetriCore Solutions website, educational materials, tools, software access, and associated communities, including Credit Rich Academy (collectively, the “Services”).

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

1. Nature of Services

PetriCore Solutions provides educational content, digital tools, resources, and community access designed to help users better understand credit reporting, financial literacy, and capital readiness.

Our Services are educational in nature only and do not constitute legal, financial, tax, or investment advice.

No attorney-client, advisor-client, fiduciary, or consulting relationship is created through use of our Services.

2. No Guarantees

You acknowledge and agree that:

• Credit outcomes vary by individual circumstances
  
  

• No specific results are promised or guaranteed
  
  

• Credit score changes, deletions, approvals, or funding outcomes are not assured
  
  

PetriCore Solutions makes no representations regarding timelines, success rates, or specific financial results.

3. Artificial Intelligence & Technology Tools

PetriCore Solutions may utilize artificial intelligence–powered tools and software systems to assist with organization, education, document generation, workflow support, and general guidance.

You acknowledge that:

• AI-generated or AI-assisted outputs are informational only
  
  

• AI tools do not replace human judgment or professional advice
  
  

• You are responsible for reviewing, understanding, and deciding how to use any information generated
  
  

PetriCore Solutions is not responsible for errors, omissions, or outcomes related to AI-assisted tools.

4. User Responsibilities

By using our Services, you agree to:

• Provide accurate and truthful information when applicable
  
  

• Use educational materials responsibly and lawfully
  
  

• Not misrepresent information to creditors, lenders, or third parties
  
  

• Comply with all applicable laws and regulations
  
  

You are solely responsible for any actions you take based on the information provided.

5. Credit Rich Academy Membership

Credit Rich Academy is an educational membership community operated by PetriCore Solutions.

Membership:

• Does not include one-on-one credit repair services unless explicitly stated
  
  

• Does not include legal or financial representation
  
  

• Does not create a client-service provider relationship
  
  

Community discussions are educational and peer-based. PetriCore Solutions is not responsible for advice, opinions, or statements made by other members.

6. Payments, Subscriptions & Cancellations

If you purchase a subscription, course, or membership:

• Fees are billed as disclosed at checkout
  
  

• All payments are non-refundable unless otherwise stated in writing
  
  

• You are responsible for managing your subscription and cancellation
  
  

Failure to cancel prior to the next billing cycle may result in additional charges.

7. Intellectual Property

All content provided by PetriCore Solutions, including but not limited to:

• Videos
  
  

• Written materials
  
  

• Templates
  
  

• Worksheets
  
  

• Branding and logos
  
  

is the intellectual property of PetriCore Solutions and may not be copied, distributed, resold, or reproduced without written permission.

8. Prohibited Use

You agree not to:

• Use our materials for unlawful or deceptive purposes
  
  

• Represent yourself as an agent, attorney, or advisor based on our content
  
  

• Resell or redistribute content without authorization
  
  

• Use the Services in a way that harms others or violates platform rules
  
  

Violation of these Terms may result in suspension or termination without refund.

9. Limitation of Liability

To the fullest extent permitted by law, PetriCore Solutions shall not be liable for:

• Financial losses or missed opportunities
  
  

• Credit decisions made by lenders or reporting agencies
  
  

• Errors or delays related to third-party tools
  
  

• Actions taken based on educational content
  
  

Use of our Services is at your own risk.

10. Third-Party Links & Services

Our Services may include links to or references to third-party websites, tools, or services.

PetriCore Solutions:

• Does not control third-party providers
  
  

• Is not responsible for their content, policies, or practices
  
  

• Makes no warranties regarding third-party services
  
  

Use of third-party services is subject to their own terms.

11. Modifications to Terms

PetriCore Solutions reserves the right to update or modify these Terms at any time.

Continued use of the Services after changes constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which PetriCore Solutions operates, without regard to conflict of law principles.

13. Contact Information

For questions regarding these Terms, please contact:

PetriCore Solutions
[info@petricore.works]

✅ Final Note

These Terms exist to ensure transparency, clarity, and responsible use of educational resources. If you do not agree with these Terms, please discontinue use of our Services.