Terms and Conditions

Agreement between User and www.backtoskyehighcredit.com

Welcome to www.backtoskyehighcredit.com. The www.backtoskyehighcredit.com website (the "Site") is comprised of various web pages operated by Back To Skye High Credit LLC ("Back To Skye High Credit"). www.backtoskyehighcredit.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.backtoskyehighcredit.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.

The parties to this agreement, in consideration of the mutual covenants and stipulations set out, agree as follows: 

Back To Skye High Credit (BTSHC) will provide professional advice on how to improve and maintain your credit report. BTSHC will review all credit related information provided by you, our customer, to prepare letters and challenge/correct inaccurate, incomplete, obsolete or unverifiable items as per the Fair Credit Reporting Act.  
 

When BTSHC receives your credit reports BTSHC will draft, sign and submit transmittals of challenge/correction letters within 3-7 business days. BTSHC will submit these letters on your behalf and in your name. BTSHC will complete monthly reviews of your credit file and keep you fully informed of all progress.  
 

BTSHC cannot guarantee specific outcomes or a timeframe for the results desired, as both depend on many factors that are beyond our control. We do however offer a full or partial refund depending on if enough items are not corrected. (See our Refund Policy Disclosure.)  

This contract is valid for one (1) year from date signed. You may cancel these services at any time without penalty or fees.  

1. We will help you obtain all of your credit reports from the 3 major reporting agencies (Experian, Equifax and Transunion) if necessary. 
2. We will do a complete Audit of your credit reports with you either by phone or in person to determine inaccurate, outdated and/or unverifiable information contained on your credit reports. 
3. We will prepare the appropriate documentation to submit to CRA’s to initiate a disputes of inaccurate, outdated and unverifiable items appearing on your credit report. 
4. We will also prepare the appropriate documentation to submit disputes and validation request directly to listed creditors/debt collectors on your credit report that you believe to be inaccurate, outdated and/or unverifiable. You will be able to log-in and check the status of all documentation sent on your behalf to the CRA’s. 
5. Your information is maintained in a secure password protected server system. Your information will only be released too authorized CRA’s, Creditors and organizations necessary to complete the services described in this contract. 

ESTIMATED TIME FOR COMPLETION OF DISPUTE LETTERS: 

The estimated length of time required to complete the above services is 3-5 WORKING BUSINESS days. 

Customer Will Agree To: 

1. Provide BTSHC with credit related information, such as credit reports, credit bureau correspondence, changes made to account and any changes of address. 
2. Immediately forward all correspondence received from Credit Agencies, Creditors or Collection Agencies to BTSHC. Failure to not communicate with BTSHC and forward correspondence will result in delay or non-completion of service. 
3. Identify in writing any accurately reported negative information on your credit file to assure that we do not dispute such items as per the Fair Credit Reporting Act of 1970. 
4. Not apply for new credit while BTSHC is in the process of resolving disputed items with the Credit Bureaus as this could negate the progress made. BTSHC will make recommendations and discuss with the Customer the best moment to possibly apply for new credit.  
5.  You must agree to obtain a copy of your credit report from the CRA’s and provide that to BTSHC to start services explained in this agreement. 
6. You must provide proof of your ID, Social Security Number, Mailing Address as required by the CRA’s to validate your identity. 
7. You agree to pay the fee to obtain your credit reports from the CRA’s if applicable. 
8. If your account requires debt settlement negotiation’s you are required to call your creditors/debt collectors to set up a payment arangement. 
9. You agree to provide all documentation sent to you from the CRA’s in a timely manner. 

Privacy

Your use of www.backtoskyehighcredit.com is subject to Back To Skye High Credit's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting www.backtoskyehighcredit.com or sending emails to Back To Skye High Credit constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Cancellation/Refund Policy

Back To Skye High Credit LLC strives to provide excellent service, satisfied customers and significant results. BTSHC will only accept new customers that can benefit from our services. The service provided by BTSHC is backed by a refund policy that entitles Customers to a full refund.  
 

If BTSHC is not successful in deleting/correcting a combined total of 3 inaccurate items from Customer’s credit report in 180 days, a full refund will be made. The 180 days will begin upon receipt of initial credit reports.  
 

NOTICE: All documentation from the Credit Reporting Agency will be sent directly to the Customer. It is the Customer’s responsibility to forward to BTSHC all documentation promptly or this refund may be considered null and void. This is required to obtain the best possible results.

Links to Third Party Sites/Third Party Services

Certain services made available via www.backtoskyehighcredit.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.backtoskyehighcredit.com domain, you hereby acknowledge and consent that Back To Skye High Credit may share such information and data with any third party with whom Back To Skye High Credit has a contractual relationship to provide the requested product, service or functionality on behalf of www.backtoskyehighcredit.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property 

You are granted a non-exclusive, non-transferable, revocable license to access and use www.backtoskyehighcredit.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Back To Skye High Credit that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Back To Skye High Credit or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Back To Skye High Credit content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Back To Skye High Credit and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Back To Skye High Credit or our licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by Back To Skye High Credit from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Back To Skye High Credit Content accessed through www.backtoskyehighcredit.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless Back To Skye High Credit, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Back To Skye High Credit reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Back To Skye High Credit in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Back To Skye High Credit agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. BACK TO SKYE HIGH CREDIT LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

BACK TO SKYE HIGH CREDIT LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. BACK TO SKYE HIGH CREDIT LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BACK TO SKYE HIGH CREDIT LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF BACK TO SKYE HIGH CREDIT LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction 

Back To Skye High Credit reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Colorado and you hereby consent to the exclusive jurisdiction and venue of courts in Colorado in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Back To Skye High Credit as a result of this agreement or use of the Site. Back To Skye High Credit's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Back To Skye High Credit's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Back To Skye High Credit with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Back To Skye High Credit with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Back To Skye High Credit with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

Back To Skye High Credit reserves the right, in its sole discretion, to change the Terms under which www.backtoskyehighcredit.com is offered. The most current version of the Terms will supersede all previous versions. Back To Skye High Credit encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

Back To Skye High Credit welcomes your questions or comments regarding the Terms:

Back To Skye High Credit LLC

1942 Broadway St. STE 314C

Boulder, Colorado 80302

Email Address:

support@backtoskyehighcredit.com

Telephone number:

+1 (415) 580-2654