Course Agreement: ACE-1
Effective Date: March 11th, 2016 THE AGREEMENT:
TERMS AND CONDITIONS
**Western Credit Institute**
**www.westerncreditinstitute.com**
⸻
1. ACCEPTANCE OF TERMS
By accessing and using the Western Credit Institute website (www.westerncreditinstitute.com) and enrolling in our credit repair class, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.
2. EDUCATIONAL PURPOSE DISCLAIMER
The credit repair class and all information provided on this website are for **educational purposes only**. The content is not intended to constitute legal, financial, or professional advice. Western Credit Institute does not provide legal or financial advisory services. Users should consult with qualified legal or financial professionals before making any decisions based on the information provided in our educational materials.
3. DISCLAIMER OF LIABILITY
Western Credit Institute, its officers, directors, employees, and affiliates **disclaim all liability** for any damages, losses, or injuries of any kind arising from:
• Use of this website or its content
• Participation in the credit repair class
• Application of information learned from our educational materials
• Any technical issues, interruptions, or errors on the website
Users acknowledge that they participate in the credit repair class and use this website **at their own risk**.
4. LIMITATION OF LIABILITY
To the maximum extent permitted by law, Western Credit Institute's total liability for any claims arising from your use of our website or credit repair class shall not exceed the amount you paid for the class. Under no circumstances shall Western Credit Institute be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, data, or business opportunities.
5. INDEMNIFICATION
You agree to **indemnify, defend, and hold harmless** Western Credit Institute, its officers, directors, employees, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorney's fees) arising from:
• Your use of the website or credit repair class
• Your violation of these Terms and Conditions
• Your violation of any third-party rights
• Any actions taken based on information from our educational materials
6. REFUND POLICY
**ALL SALES ARE FINAL.** Western Credit Institute does not offer refunds, exchanges, or credits for the credit repair class or any other services purchased through our website. By completing your purchase, you acknowledge and agree to this no-refund policy.
7. INTELLECTUAL PROPERTY RIGHTS
All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, and software, is the exclusive property of Western Credit Institute and is protected by copyright, trademark, and other intellectual property laws. The credit repair class materials, curriculum, and methodology are proprietary to Western Credit Institute.
**You may not:**
• Reproduce, distribute, or transmit any content without written permission
• Use our materials for commercial purposes
• Share login credentials or class access with others
• Record, screenshot, or copy class materials
8. GOVERNING LAW AND JURISDICTION
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes arising from these terms or your use of our website shall be resolved exclusively in the state or federal courts located in Orange County, CA.
9. MODIFICATIONS
Western Credit Institute reserves the right to modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting on our website. Your continued use of the website after modifications constitutes acceptance of the updated terms.
10. SEVERABILITY
If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.
11. CONTACT INFORMATION
For questions regarding these Terms and Conditions, please contact Western Credit Institute through the contact information provided on our website.
**Last Updated:** [07/25/2025]
⸻
*By using this website and enrolling in our credit repair class, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.*
