TERMS & CONDITIONS
By accessing or using this website and its services, you agree to be bound by the following Terms and Conditions, our Privacy Policy, and our Disclaimers.
1. Services Provided
Quantora International LLC offers a credit builder subscription service designed to help clients establish a positive payment history over time. Once bureau reporting is activated, each timely monthly payment may be eligible to be reported to participating credit bureaus as a primary tradeline.
This service is provided strictly for educational and credit-building purposes. Educational use means this service is designed to help you learn how consistent payments may impact your credit profile over time. It is not intended as financial or legal advice. No specific credit outcome or score improvement is guaranteed.
2. Credit Reporting
We do not guarantee credit score increases or specific outcomes. Reporting is done in compliance with Metro 2 standards and the Fair Credit Reporting Act (FCRA). Credit reporting will only begin after the client has signed a valid agreement, made a successful first payment , and reporting has been activated through our approved data furnisher.
3. Payment Terms
Clients are billed monthly unless they choose an annual plan. By enrolling, you authorize recurring payments unless cancelled. Failure to maintain good payment standing may result in paused or terminated reporting.
4. Refunds
All sales are final. No refunds will be issued for services rendered. Exceptions may be made at the sole discretion of management in cases of fraud or billing error.
5. Cancellations
Clients may cancel at any time via email or support request. Cancellation will stop future billing, but no partial refunds are given for remaining time in the current billing cycle.
6. Not a Credit Repair
Organization
We are not a credit repair company and do not offer dispute services. We do not remove negative items from your credit report. Our service is intended to help you build new positive payment history.
7. Limitation of Liability
Quantora International LLC is not liable for any damages resulting from the use of our services.
Results may vary based on credit profile, payment behavior, and bureau policies.
8. Legal Compliance
We comply with all applicable federal laws including the FCRA, FDCPA, and GLBA. All data is stored securely and handled in accordance with privacy best practices.
By using this site, you agree to these terms.
For any questions, contact us at
Mivospace.com
Quantora International LLC is actively developing a credit-building program designed to help consumers establish a positive payment history. While we are in the process of becoming a certified data furnisher or partnering with a compliant third-party furnisher, no credit reporting is currently being guaranteed. When available, on-time payments may be eligible for reporting to major consumer credit bureaus in accordance with applicable legal and regulatory standards. Late or missed payments may be subject to reporting and could negatively affect your credit profile. Quantora International LLC does not offer credit repair, financial counseling, or loan services.