Credit Manager provides compliance-driven FinTech solutions that connect every part of the credit repair ecosystem — from agency operations to referral partnerships and law firm collaboration. Our technology simplifies workflows, automates compliance, and helps professionals scale confidently.
These Terms of Service (the “Terms”) constitute a legally binding agreement between Credit Manager, Inc. and Rank Above Others, Inc. (collectively, the “Provider”) and any individual or entity (the “Client”) that purchases, subscribes to, accesses, or participates in any program, platform, software, service, training, network, or related offering provided by Provider.
By doing any of the following, Client acknowledges and agrees to be bound by these Terms:
If Client accepts these Terms on behalf of a business or organization, Client represents and warrants that Client has authority to bind that organization.
For purposes of these Terms:
By purchasing, subscribing to, accessing, or participating in any service, program, software platform, membership, or offering provided by Provider, Client agrees to be bound by these Terms of Service, the Privacy Policy, and any additional agreements, authorizations, disclosures, or program-specific documents that apply to the particular services or programs selected by Client.
Certain programs may require Client to execute additional documents as a condition of participation. For example, agencies enrolling in Smart Advantage or Enterprise Advantage may be required to execute the Agency Authorization & Limited Power of Attorney Agreement. Client agrees to review and execute any such required program-specific documents within five (5) calendar days after payment of the applicable setup fee or security deposit.
If Client proceeds with setup, submits the Business Profile Form, uses Provider's systems, or accepts Provider's services before executing a required program-specific document, such conduct shall constitute Client's acknowledgment, acceptance, and authorization under that document to the fullest extent permitted by law.
All incorporated agreements, policies, disclosures, and program-specific documents are deemed part of and incorporated into these Terms of Service by reference.
These Terms govern all Programs and services offered by Provider, including but not limited to:
Program-specific agreements, order forms, disclosures, or supplemental terms are incorporated by reference. If a conflict exists between these Terms and a Program-specific agreement, the Program-specific agreement controls for that specific Program.
Client must:
Client is solely responsible for complying with all laws and regulations applicable to Client's business activities and participation in any Program.
Provider may refuse, suspend, or terminate participation at its sole discretion.
The relationship between Provider and Client is that of independent contractors.
Nothing in these Terms creates:
Client is solely responsible for its own operations, taxes, obligations, and liabilities.
Onboarding means the initial administrative and educational process associated with Client's enrollment in a Program and may include the delivery of account access, instructions, materials, forms, checklists, software access, training resources, and other implementation prerequisites determined by Provider.
If Client purchases Onboarding Services:
Failure to complete onboarding may result in delays, suspension, forfeiture of promotional pricing, or cancellation.
Setup Services means the implementation, configuration, customization, and deployment of systems and business infrastructure.
The setup fee and, where applicable, any security deposit are charged to reserve implementation capacity and authorize Provider to begin preparing Client's business for launch.
The setup fee and any security deposit are non-refundable except as expressly provided in these Terms or in a written agreement signed by Provider.
Payment of the setup fee or security deposit initiates Client's implementation period and any applicable deferred billing, promotional period, installment plan, or delayed subscription start associated with the selected Program.
Any promotional delay of recurring subscription fees or installment payments begins on the date the setup fee or security deposit is paid, regardless of when Client submits business information, required documents, approvals, or other requested materials.
Client delays do not extend any deferred billing period, promotional period, installment schedule, or future billing date.
Setup Services may include websites, CRM systems, automations, branding, content, integrations, templates, software configurations, and other implementation services described in the selected Program.
Application of any security deposit toward future fees is governed solely by the applicable Program offer or written agreement.
Client must submit all required business information, questionnaires, profiles, authorizations, and supporting materials within thirty (30) calendar days after payment of the setup fee or security deposit, unless Provider agrees otherwise in writing.
If Client fails to submit the required materials within such period, Provider may suspend, close, archive, or abandon the implementation project.
If Client fails to submit the required materials within thirty (30) calendar days after payment, the setup fee shall be deemed fully earned and non-refundable, regardless of whether Setup Services have been completed or substantially performed.
Reactivation of an inactive implementation project may require payment of additional setup, reactivation, or administrative fees.
Unless otherwise expressly stated in this Agreement, all deliverables provided by Provider, including but not limited to onboarding deliverables, setup deliverables, system configurations, documents, workflows, websites, branding, content, portals, software access, automations, templates, digital assets, and any other services or materials (collectively, “Deliverables”), shall be deemed delivered and received when transmitted, uploaded, or otherwise made available by Provider to Client via email, portal, dashboard, members area, workspace, CRM, or any other electronic delivery system designated by Provider. Delivery shall be effective on the date such Deliverables are made available, regardless of whether Client accesses, reviews, downloads, or acknowledges them.
Client is responsible for promptly reviewing all Deliverables upon delivery. Client shall have five (5) calendar days from the date of delivery to notify Provider in writing of any missing, incomplete, or inaccessible Deliverables via email, partners@creditmanager.io, or Workspace. This five (5) calendar day period constitutes Client's sole opportunity to report delivery-related deficiencies.
Any such notice shall not constitute rejection of the Deliverables and shall not create any right to refund, chargeback, cancellation, or suspension of this Agreement. Provider shall have a reasonable opportunity to correct or provide any properly reported missing or inaccessible Deliverables, after which the affected Deliverables shall be deemed delivered, complete, and accepted.
If Client does not provide written notice within such five (5) calendar day period, all Deliverables shall be deemed fully delivered, complete, and accepted for all purposes under this Agreement.
Failure by Client to access, review, download, or use any Deliverables shall not delay, invalidate, or otherwise affect delivery or acceptance where such Deliverables have been made available by Provider.
Any payment of a setup fee, activation fee, security deposit, monthly fee, or any subsequent fee made after Deliverables have been made available under this Agreement shall further constitute conclusive evidence that such Deliverables were received, accessible, and accepted as complete.
Operational Readiness occurs when Provider has delivered the systems, infrastructure, and implementation services promised under the selected Program, including any websites, software access, automations, branding, content, integrations, and related Deliverables described in the applicable Program.
Upon Operational Readiness, Provider's setup and implementation obligations are deemed substantially fulfilled, subject to Provider's obligation to correct any properly reported missing, incomplete, or inaccessible Deliverables in accordance with the Acceptance of Deliverables clause.
Upon Operational Readiness:
If Client engages Provider to manage consumer-facing operations, Client may be required to execute a Live Operation Authorization.
By authorizing Live Operation, Client confirms:
If Client requests Live Operation, authorizes Provider to begin consumer-facing operations, or otherwise represents that Client is ready to conduct business using the systems and services provided by Provider, Client represents and warrants that all items assigned to Client in any onboarding checklist, launch checklist, compliance checklist, or similar implementation materials have been completed, including business formation, account configuration, operational requirements, and any applicable licensing, registration, bonding, disclosures, and governmental filings required based on Client's jurisdiction, business activities, and selected Program.
Client further represents and warrants that any additional legal, regulatory, business, operational, or compliance requirements necessary for the lawful operation of Client's business have been completed, whether or not such requirements were specifically identified by Provider.
Client further represents and warrants that Client's business is duly formed, in good standing, and legally authorized to operate in all applicable jurisdictions.
Provider does not provide legal advice and is not responsible for determining whether Client has satisfied all licensing, registration, bonding, disclosure, or other legal and regulatory obligations.
Client is solely responsible for ensuring compliance with all applicable laws and regulations.
If Client engages Provider for services that require Provider to act on Client's behalf, such services require a valid and active Agency Authorization and Limited Power of Attorney (“Agency Authorization”) executed by Client.
The Agency Authorization grants Credit Manager, Inc. limited authority to act on Client's behalf solely for the purposes described in the authorization.
Upon suspension, cancellation, or termination of services for any reason, any prior Agency Authorization is automatically revoked and rendered void, except to the extent necessary for Provider to continue processing customer payments already under Provider's administration, apply prorated fees and other amounts earned through the effective date of suspension, cancellation, or termination, apply funds pursuant to the Right of Offset clause, and complete accounting, reconciliation, and related wind-down activities.
Except for the limited post-termination authority described above, Provider shall have no authority to act on Client's behalf after such suspension, cancellation, or termination unless and until Client executes a new Agency Authorization.
If Client enrolls in a recurring subscription:
All invoices are due by the deadline shown on the invoice.
Failure to pay timely may result in:
Provider may deduct, withhold, and offset any amounts owed by Client to Provider against any commissions, customer payments, disbursements, refunds, credits, reserves, or other amounts otherwise payable to Client.
Amounts subject to offset may include, without limitation:
Provider may, but is not required to, notify Client before applying an offset. Client authorizes Provider to apply funds otherwise payable to Client toward any outstanding obligations owed to Provider.
Provider's decision to refrain from exercising this right on any occasion does not waive Provider's right to exercise it at any time thereafter.
If amounts available for offset are insufficient to satisfy Client's obligations, Client remains responsible for all remaining balances.
If Client participates in a program that requires Provider's Invoice Management Service (IMS):
If Client opts out of IMS:
Unless otherwise expressly stated in the applicable Agency Advantage Program description, order form, pricing table, or written agreement, Provider is entitled to retain fifty-five percent (55%) of all gross amounts invoiced to or collected from Client’s customers for credit repair and related customer management services performed by Provider on Client’s behalf (the “Management Fee”).
The Management Fee is separate from and in addition to any applicable Invoice Management Service (IMS) fees.
This fee compensates Provider for customer-specific operational services performed in connection with Client’s customers, which may include lead processing, customer onboarding, project management, compliance processing, dispute preparation and administration, document management, customer communications, and other customer management activities.
Client is entitled to the remaining forty-five percent (45%) of collected customer revenue, subject to any applicable Invoice Management Service (IMS) fees, chargebacks, refunds, offsets, reserves, taxes, and any other amounts owed to Provider under these Terms or any related agreement.
Provider’s Management Fee and all applicable deductions may be withheld from customer payments before any disbursement to Client.
Net amounts, if any, will be disbursed to Client in accordance with Provider’s payout schedule and operational policies, as established and modified by Provider from time to time.
Different revenue-sharing percentages may apply under specific Agency Advantage Programs, promotional offers, custom agreements, affiliate arrangements, or written amendments approved by Provider.
All payments are final and non-refundable unless expressly stated otherwise. Customized services begin immediately upon enrollment. Client acknowledges that fees compensate Provider for:
Client agrees not to initiate a chargeback before first seeking resolution directly with Provider.
If Client initiates a chargeback:
Provider may place Client in Pending Cure status for:
Unless otherwise specified, Client has ten (10) days to cure.
Each Pending Cure event may be subject to a $100 administrative fee, or such other amount listed in Provider's current fee schedule.
Services resume only after:
If Client seeks to resume participation in any Program after suspension, termination, cancellation, abandonment, expiration, or any other interruption or cessation of services, reinstatement is subject to Provider's sole discretion.
As a condition of reinstatement, Provider may require:
Illustrative reinstatement fees may include:
Current reinstatement fees may be published in Provider's fee schedule or communicated to Client in writing. Provider may modify reinstatement requirements and fees at any time.
During the five (5) calendar day review period described in the Acceptance of Incorporated Agreements clause, Client may notify Provider in writing by email to partners@creditmanager.io or through Workspace of Client's intent to cancel. Upon Provider's written confirmation of cancellation, Client will have no further obligation for future services; however, all non-refundable fees, onboarding fees, setup fees, security deposits, administrative costs, and charges for services already rendered shall remain due, earned where applicable, and non-refundable .
If Client cancels during the five (5) calendar day review period before submitting any required business information, questionnaires, profiles, authorizations, and/or supporting materials, and before Provider has materially begun Setup Services, Provider may retain an administrative fee equal to ten percent (10%) of the applicable setup fee, in addition to any onboarding fees, security deposits, and other non-refundable amounts, to compensate Provider for reserved implementation capacity, administrative processing, and opportunity costs.
After Provider has materially begun Setup Services, any setup fee and security deposit designated as non-refundable shall remain fully non-refundable.
After the expiration of the five (5) day review period, any request for cancellation is governed by the remaining provisions of these Terms, and all fees previously designated as non-refundable shall remain non-refundable.
A cancellation request is effective only when Provider confirms the cancellation in writing. Verbal statements, informal messages, or a failure to use the services do not constitute cancellation.
If Client participates in lead distribution programs:
If a lead must be reassigned due to Client's inability to service the lead lawfully, Provider may transfer the lead. If permitted by Provider policy, the originating Client may receive a transfer commission.
If Client participates in any Program requiring state-specific licensing, registration, or legal authorization, Client may operate only in jurisdictions where Client is legally authorized to conduct business.
If Client participates in any Program under which Provider communicates with leads, customers, clients, or other third parties on Client's behalf, the scope and methods of such communications will be determined by the selected Program, applicable agreements, and Provider's operational procedures.
For Agency Advantage participants:
If Client elects to communicate directly with any lead, customer, client, or other third party regarding matters that also require Provider's action, and Client ceases communication or fails to provide Provider with clear written instructions for more than forty-eight (48) hours while a response or action is pending, Provider may take reasonable actions on Client's behalf that Provider believes are in the best interests of the affected parties, Client, and Provider.
Provider shall not be liable for actions taken in good faith while administering communications and related services on Client's behalf.
Unless expressly stated otherwise in writing, all leads and customers serviced under any Program remain the responsibility of Client. Provider acts solely as a technology provider, administrative service provider, and operational support provider. Client remains solely responsible for all representations made to customers and for all legal obligations arising from Client's business activities.
If Client requests advertising, lead generation, or marketing services:
Provider does not guarantee any particular outcome, including without limitation lead volume, sales, revenue, profitability, customer retention, funding approval, regulatory approval, credit score improvement, deletion rates, dispute outcomes, business growth, or any other specific result.
Any examples, projections, estimates, case studies, testimonials, or illustrations provided by Provider are for informational and educational purposes only and do not constitute guarantees or promises of future performance.
Client acknowledges that results depend on numerous factors beyond Provider's control, including Client's compliance, responsiveness, marketing efforts, business practices, financial condition, and market conditions.
If Client requests major changes, including:
additional fees may apply.
Client grants Provider the right to display Client's:
Provider may use such materials in marketing and educational materials.
Each party shall maintain the confidentiality of non-public information disclosed by the other.
Client may not disclose Provider's proprietary methods, systems, pricing, workflows, or business strategies.
All Provider systems, software, templates, content, and methodologies remain Provider's exclusive property. No ownership rights transfer except where expressly stated in writing.
Client may not:
During Client's participation in any Program and for two (2) years after suspension, cancellation, or termination, Client shall not knowingly:
Nothing in this section prohibits Client from using publicly available third-party software, platforms, or service providers that are generally available to the public.
Nothing in this section prohibits Client from operating an independently developed lawful business that does not rely upon Provider's confidential information, Provider-owned customer relationships, or proprietary business relationships.
Unless expressly transferred:
Provider may require payment of:
before releasing domains, websites, or related digital assets.
Provider may suspend or terminate participation immediately for:
Client is deemed to have abandoned participation if Client fails to respond to Provider communications for thirty (30) consecutive days without prior written approval.
Upon termination:
Provider may retain records, communications, payment information, operational data, and other information maintained within Provider's systems for as long as required by law, internal policy, or legitimate business purposes.
Client may request data exports within fourteen (14) days after termination, subject to Provider approval and any applicable administrative or export fees.
Client may not manipulate, falsify, delete, corrupt, or otherwise interfere with information maintained within Provider's systems.
Unauthorized imports, spam, payment record manipulation, data tampering, or other misuse of Provider's systems constitute material breaches of these Terms and may result in immediate suspension or termination.
Client must maintain respectful communication.
Threatening, abusive, harassing, or deceptive conduct constitutes a material breach.
Client agrees not to publish false or misleading statements that damage Provider's reputation.
Nothing prohibits truthful statements required by law.
Client may not make false or unauthorized claims regarding:
Neither party is liable for delays caused by events beyond reasonable control, including:
Payment obligations are not excused.
Provider shall not be liable for indirect, incidental, special, or consequential damages. Provider's aggregate liability shall not exceed the total amount paid by Client during the thirty (30) days preceding the event giving rise to the claim.
Client shall indemnify and hold Provider harmless from all claims, damages, liabilities, costs, and attorneys' fees arising from:
Client acknowledges that unauthorized disclosure or misuse of Provider's confidential information may cause irreparable harm.
Provider may seek injunctive relief in addition to all other remedies.
These Terms are governed by the laws of the State of Texas.
Any legal action shall be brought in the state or federal courts located in Travis County, Texas, unless Provider elects otherwise.
The prevailing party in any dispute arising from these Terms is entitled to recover reasonable attorneys' fees and costs.
Provider may modify, expand, discontinue, or replace:
Continued participation constitutes acceptance.
Provider may update these Terms at any time. Material updates may be posted in the members area or other designated locations. Continued participation constitutes acceptance of the revised Terms.
Provider may provide notices by:
Notices are deemed received upon transmission.
Client may not transfer or assign any rights or obligations under these Terms without Provider's prior written consent, which may be granted or withheld in Provider's sole discretion.
Provider may require completion of transfer documents, updated business information, onboarding materials, consultations, and payment of applicable transfer, administrative, onboarding, or other fees as a condition of approving any requested transfer or assignment.
Provider may transfer or assign these Terms and all related rights and obligations to any affiliate, successor, acquirer, or purchaser of all or substantially all of Provider's business operations or assets related to the Programs and services governed by these Terms.
If any provision is deemed unenforceable, the remaining provisions remain in full force and effect.
Failure to enforce any provision does not constitute a waiver.
These Terms, together with all incorporated agreements, disclosures, authorizations, order forms, and written amendments executed or accepted by the parties, constitute the entire agreement between Provider and Client and supersede all prior or contemporaneous discussions, proposals, representations, understandings, and agreements, whether oral or written, relating to the subject matter of these Terms.
Electronic signatures, checkbox acknowledgments, clicks, form submissions, online applications, digital authorizations, payments, and other electronic actions or records by Client are legally binding and shall have the same force and effect as original handwritten signatures and paper documents.
Client agrees that Provider may rely on such electronic actions as evidence of Client's acceptance of these Terms, any incorporated agreements, authorizations, disclosures, applications, and other documents relating to Client's participation in any Program.
The following provisions survive suspension, cancellation, and termination of these Terms and any related Program participation:
Effective Date: March 01, 2021
Edited Date: May 14, 2026
