Terms of Service
The terms that apply to our website and services.
Last updated: October 18, 2026
Welcome to Stay The Course Society. By accessing this website or using our services, you agree to these Terms of Service.
Services provided
- Credit consulting and credit repair services
- Credit education
- Personal and business funding preparation
- Tax preparation services
- Financial education resources
No guarantee of results
Results vary based on individual circumstances. Except for the 90-Day Money-Back Guarantee described below, Stay The Course Society does not guarantee: specific credit score increases; removal of any particular or all negative accounts; approval for financing or business funding; or specific tax refunds. Past results do not guarantee future outcomes.
90-Day Money-Back Guarantee
All credit consulting programs (Silver, Gold, Platinum) include a 90-Day Money-Back Guarantee. If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports within 90 days of enrollment, you may request a full refund of program fees paid by emailing [email protected] within 30 days after the 90-day period ends. SmartCredit or other third-party subscription fees are paid to those providers and are not refunded by us. This guarantee does not promise any specific score increase or the removal of accurate information. See the full Guarantee Policy.
Credit repair services & your rights
Stay The Course Society provides credit repair consulting in accordance with the Credit Repair Organizations Act (CROA) and applicable state law. Before you sign a contract, you will receive the written Consumer Credit File Rights Under State and Federal Law disclosure. You may cancel your contract without penalty or obligation within 3 business days of signing it (Notice of Cancellation). Your written contract describes the services, total cost, payment terms, and estimated timeline.
Stay The Course Society is not a law firm, does not provide legal advice, and does not represent any credit bureau, creditor, or government agency. We dispute only information believed to be inaccurate, incomplete, outdated, or unverifiable. No one can legally remove accurate, current, and verifiable information. You may dispute inaccurate information with the credit bureaus yourself at no cost.
Client responsibilities
- Provide accurate information
- Submit requested documentation
- Keep your SmartCredit monitoring active while enrolled in a credit program
- Review all tax returns before filing
- Maintain communication throughout the service process
Failure to provide accurate information may affect service outcomes.
Client Responsiveness
Our dispute work depends on up-to-date reports from your SmartCredit account and timely replies from you. When we need you to refresh or reconnect SmartCredit, upload a document, or answer a question, we will contact you by text, email, or phone. If we make three separate attempts over at least 14 days and do not hear back, we will send you a final written notice. If you do not respond within 7 days of that notice, we may close your file and end your program. If your program ends for this reason, the 90-day money-back guarantee no longer applies. You can reply at any time before your file is closed to keep it active.
Tax preparation disclaimer
Clients are responsible for the accuracy of all information provided. Stay The Course Society relies on information submitted by clients when preparing tax returns. The client remains responsible for any tax liability, penalties, or interest resulting from inaccurate or incomplete information. Tax outcomes, refunds, and balances due cannot be guaranteed.
Funding disclaimer
Funding approvals are determined solely by lenders and financial institutions. Stay The Course Society cannot guarantee approval, amounts, interest rates, or lending decisions. Business funding services are offered through our partner, Funding Starts Here.
Intellectual property
All website content, branding, logos, graphics, and materials remain the property of Stay The Course Society. Unauthorized use is prohibited.
Limitation of liability
To the extent permitted by law, Stay The Course Society shall not be liable for indirect, incidental, consequential, or special damages arising from the use of our services or website. Nothing in these terms limits any right you have under the Credit Repair Organizations Act or other consumer protection laws that cannot be waived.
Changes to these terms
We may update these Terms of Service from time to time. The "last updated" date above shows when they were last revised.
Contact
Stay The Course Society
25017 Viking Street, Hayward, CA 94545
Email: [email protected]
Phone: (510) 205-7587