Effective Date: July 1, 2025

Welcome to UrTime Financial Services. By accessing our website [www.urtimecreditservices.com], using our services, or scheduling an appointment with us, you agree to be bound by the following Terms & Services. Please read them carefully.

1. Acceptance of Terms

By using our website and services, you agree to comply with and be legally bound by these Terms. If you do not agree to these Terms, please refrain from using our services.

2. Services Offered

UrTime Financial Services provides credit repair services, credit audits, business credit development, and credit education. Our services involve:

Reviewing your credit reports from major credit bureaus

Identifying errors and disputing inaccurate, outdated, or unverifiable information

Advising on financial management and credit improvement strategies

We do not guarantee specific outcomes or credit score improvements. Results vary based on individual credit history and bureau reporting policies.

3. Eligibility

To use our services, you must be:

At least 18 years old

A resident of the United States

The legal owner of the credit report information being disputed

4. Payment & Billing

Service fees, pricing, and payment terms will be disclosed prior to engagement. By purchasing our services, you agree to:

Pay all applicable fees as outlined in your service agreement

Authorize us to charge your preferred payment method for services rendered

Note: Late payments or unpaid balances may result in the suspension of services.

5. Refund Policy

We strive to deliver excellent service. However, due to the nature of credit repair and audit services, fees for completed services are non-refundable. Refund requests will be considered on a case-by-case basis if services were not performed as agreed.

Please see our Refund Policy for full details.

6. No Legal Advice

UrTime Financial Services is not a law firm and does not provide legal, tax, or financial advice. All information and services provided are for educational and informational purposes only. Clients are encouraged to seek independent legal or financial advice for specific issues.

7. Limitation of Liability

To the maximum extent permitted by law, UrTime Financial Services shall not be liable for any indirect, incidental, or consequential damages arising out of:

Service delays or disruptions

Inaccurate or incomplete credit report data

Client misuse of financial advice or materials provided

Our total liability for any claims relating to our services is limited to the amount you paid for those services.

8. User Responsibilities

You agree to:

Provide accurate, current, and complete information during sign-up and throughout our engagement

Regularly check your credit reports and report any new inaccuracies

Follow the guidance and instructions provided for optimal results

Failure to cooperate may affect your service outcomes.

9. Intellectual Property

All content, logos, text, graphics, and materials on our website are the property of UrTime Financial Services and may not be copied, distributed, or used without prior written consent.

10. Termination of Services

We reserve the right to terminate services at our discretion, including but not limited to cases of:

Fraudulent activity

Non-payment

Violation of these Terms & Services

You may also cancel services by providing written notice via email to [email protected].

11. Modifications to Terms

We may update these Terms & Services at any time without prior notice. Changes will be posted on this page with a revised effective date. Continued use of our services after updates indicates acceptance of the revised terms.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Commonwealth of Virginia, USA.

13. Contact Us

For any questions regarding these Terms & Services, please contact:

UrTime Financial Services
100 7th Street, Portsmouth, Virginia 23704
Email: [email protected]