Disclaimer

Educational Content Only

All content published on activecred.it — including blog articles, guides, emails, and in-product messaging — is provided strictly for general educational and informational purposes. It is not, and should not be construed as, financial, credit, investment, tax, legal, or professional advice.

A Single-Operator Service

ActiveCred is operated by an individual doing business as ActiveCred under an assumed-name (DBA) filing in the State of Texas, United States. The operator is a single natural person. Plural references in our content ("we," "our team," "our company") are stylistic and do not create any inference of corporate form, co-ownership, partnership, joint venture, employer-employee relationship, or agency relationship.

No Advisor-Client Relationship

Subscribing to the Service, reading our educational content, or contacting us does not create any advisor-client, fiduciary, attorney-client, or other professional relationship. We owe you only the contractual service described in our Terms of Service. Nothing on this site is intended to induce reliance on us for financial, legal, tax, or credit decisions.

Not a Financial Advisor or Credit Counselor

ActiveCred is a subscription software utility that runs small, user-authorized charges on linked credit cards on a schedule you control. ActiveCred is not:

• A financial advisor, broker-dealer, or registered investment adviser
• A credit counselor, credit repair organization, or debt-management firm
• A lender, card issuer, or credit bureau
• An insurance product or credit protection service

We do not review your financial situation, recommend credit products, or make personalized recommendations of any kind.

No Guarantees or Outcomes

We do not — and cannot — guarantee any specific outcome, including but not limited to:

• That your credit score will increase, stay the same, or not decrease
• That a card issuer will keep any account open
• That an issuer will not close, reduce the limit on, or otherwise adversely modify any account
• That any credit decision (loan, mortgage, rental, employment, etc.) will have a particular result
• That any activity charge will successfully authorize, post, or be reported to the credit bureaus in the manner or timeframe you expect

Card issuers may close or restrict accounts for many reasons unrelated to inactivity, including the issuer's own business policies, risk assessments, and regulatory requirements. Our service addresses only the activity-signal component. Your actual experience will differ from any illustrative example shown in our content; individual credit outcomes depend on many variables including the specific issuer, your overall credit profile, your other financial behavior, and macroeconomic conditions outside our control.

Examples Are Not Promises

Any numbers, percentages, score ranges, or timelines shown in our content are illustrative examples drawn from publicly available information about how credit scoring models generally work. Your actual experience will differ.

Consult Licensed Professionals

Before making any decision that affects your credit, finances, investments, debts, taxes, or legal standing, consult a licensed professional appropriate to the matter (certified financial planner, attorney, CPA, HUD-approved housing counselor, etc.). Educational articles — ours or anyone else's — are not a substitute for individualized professional advice.

Third-Party Information and Links

We may reference or link to third-party sources. We do not endorse, control, or take responsibility for their content or accuracy. Regulations, credit bureau practices, and issuer policies change; our articles reflect our understanding at the time of publication and may not reflect current practice.

Not an Insurance or Protection Product

ActiveCred is not insurance. It does not indemnify you against losses, fees, rate increases, account closures, or any other adverse event. Use of ActiveCred does not create any duty on our part to prevent such events.

Your Responsibility

You are solely responsible for any financial decisions you make, including whether to use ActiveCred and how to configure it. By using our site and service, you acknowledge that you have read and understood this disclaimer and agree that you are acting on your own judgment.

Changes

We may update this disclaimer from time to time. The "Last updated" date at the top reflects the latest revision.

Contact

Questions? Email support@activecred.it or visit our contact page.