Terms of Service
These Terms of Service ("Terms") govern your access to and use of the website and services provided by BSG Credit Solutions, a division of Bender Strategic Group LLC ("BSG," "we," "us," or "our"). By using our site or engaging our services, you agree to these Terms.
Important: Clients who sign up for credit repair services will also receive a separate, signed Client Services Agreement that includes specific CROA disclosures, fee schedules, and the federally required three-day right of cancellation. That signed agreement is the binding contract for services. These Terms govern your general use of the website.
1. Use of the Website
You may use this site only for lawful purposes. You agree not to:
- Copy, reproduce, or distribute site content without written permission
- Submit false or misleading information through any form
- Use automated tools, scrapers, or bots to access the site
- Interfere with the site's security or functionality
- Impersonate any person or entity
2. No Guarantee of Results
Credit repair is not a guaranteed outcome. Results depend on your individual credit profile, the accuracy of reported information, and the cooperation of credit bureaus and furnishers. BSG makes no promise of specific score increases, specific deletions, or specific timelines. Anyone who guarantees a specific outcome is violating federal law (CROA § 1679b). Statements on this site regarding potential outcomes are illustrative industry ranges, not guarantees of performance.
3. Services & Fees
Our services are delivered in two phases, as described on our Pricing page and detailed in the signed Client Services Agreement:
- Phase 1 — Credit Audit & Action Plan: $249 one-time fee, billed after your Action Plan is delivered.
- Phase 2 — Monthly Dispute & Monitoring: $99/month, billed monthly after each service cycle. Phase 2 auto-renews every 180 days unless you opt out (see Section 4 below).
Pricing may change; any change applies only to new engagements and will not retroactively affect existing clients without written notice.
Under federal law (CROA), no fee is charged until a service is performed. You will not be billed until your Credit Audit & Action Plan has been prepared and delivered.
4. Cancellation & Auto-Renewal
You may cancel your services at any time, for any reason. Federal law gives you three (3) business days after signing a credit repair contract to cancel without any obligation. After that, you may cancel on a go-forward basis by notifying us in writing (email is acceptable) at info@bsgcreditsolutions.com. No refunds are due for services already rendered. There are no early termination fees.
180-Day Auto-Renewal (Phase 2)
Your Phase 2 Monthly Dispute & Monitoring agreement automatically renews every 180 days unless you opt out. BSG will send a written renewal notice at least 30 days before each renewal date. To opt out of renewal, notify us in writing (email is acceptable) at info@bsgcreditsolutions.com before the renewal date. If you do not opt out, your agreement will renew for an additional 180-day period at the then-current monthly rate. You may still cancel at any time during a renewed period on a go-forward basis.
5. Your Responsibilities
- Provide accurate, truthful information
- Supply required identity documents (ID, proof of address) necessary for bureau disputes
- Forward correspondence you receive from credit bureaus, creditors, or collectors
- Not apply for new credit during active dispute rounds unless coordinated with us
- Keep your contact information current
6. Your Rights Under Federal Law
You have the right to dispute inaccurate information on your credit report directly, at no cost, with the credit bureaus. You are not required to hire a credit repair company. A summary of your federal rights under the Credit Repair Organizations Act is available on our CROA Disclosure page and your rights under the Fair Credit Reporting Act are on our FCRA Rights page.
7. Intellectual Property
All content on this site — including text, logos, graphics, and the BSG brand — is owned by Bender Strategic Group LLC or its licensors. You may not copy or use it without written permission.
8. Third-Party Services
We use third-party tools (Credit Repair Cloud, Secure Client Access, Credit Hero, payment processors, SMS/email providers) to operate the business. Your use of those services is governed by their own terms. We are not responsible for third-party downtime, errors, or data handling.
9. Communication & Consent
By submitting a form, providing your phone number, or engaging our services, you consent to receive calls, text messages, and emails from BSG related to your inquiry or services. Standard carrier rates may apply. You can opt out of marketing communications at any time by replying STOP to texts or unsubscribing from emails. Service-related communications will continue as long as you are a client.
10. Disclaimer of Warranties
The site and services are provided "as is" and "as available." To the maximum extent permitted by law, BSG disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
11. Limitation of Liability
To the maximum extent permitted by law, BSG, Bender Strategic Group LLC, and their owners, employees, and agents are not liable for indirect, incidental, consequential, or punitive damages arising from your use of the site or services. Our total liability for any claim is limited to the fees you paid us in the 12 months before the claim arose. Nothing in these Terms limits any right you have that cannot be waived under applicable consumer protection laws.
12. Indemnification
You agree to indemnify and hold BSG harmless from claims arising out of your misuse of the site, breach of these Terms, or violation of applicable law.
13. Dispute Resolution
Step 1: Pre-Dispute Mediation
Before either party may initiate arbitration, the parties agree to participate in a live Zoom mediation lasting a minimum of 20 minutes, with all costs paid by BSG Credit Solutions. The mediation must occur within 30 days of either party providing written notice of a dispute.
Step 2: Binding Arbitration via JAMS
If pre-dispute mediation fails to resolve the dispute, any claim, dispute, or controversy arising out of or relating to this Agreement shall be resolved through binding arbitration administered by JAMS pursuant to JAMS' Streamlined Arbitration Rules and Procedures. The arbitration shall be conducted in the Texas county where the consumer resides, or by mutual agreement at another location. Each party shall bear its own attorneys' fees, and the consumer's share of arbitration fees shall be capped at $2,000.
Class Action Waiver
The parties agree that arbitration shall be conducted on an individual basis only. Class actions, class arbitrations, and consolidated proceedings are waived to the maximum extent permitted by law.
Survival
This arbitration provision shall survive termination of any service agreement between the parties.
14. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. Any dispute not subject to arbitration or small claims jurisdiction will be heard in the state or federal courts of Tarrant County, Texas.
15. Changes to These Terms
We may update these Terms from time to time. Material changes will be posted on this page with a new "Last updated" date. Continued use of the site after changes are posted constitutes acceptance.
16. Contact
BSG Credit Solutions
A division of Bender Strategic Group LLC
295 E Renfro St, Suite 300
Burleson, TX 76028
Email: info@bsgcreditsolutions.com