Terms and Conditions
Updated Effective Date: May 27, 2025
Scars to Stars Pathway to Success | RealTalk Credit
📧 Email: [email protected]
Welcome to Scars to Stars Pathway to Success / RealTalk Credit
("we," "our," "us"). By accessing, purchasing, or using our services through our website, blog, or any other online platforms we operate — including but not limited to Automate and Elevate, RealTalkCredit.com, and any future platforms where we host or deliver our products, services, or educational content — you agree to these Terms and Conditions.
We offer digital products and educational resources, including but not limited to:
✔ Online Courses
✔ Workbooks
✔ Guides
✔ Templates
✔ eBooks
✔ Credit Education & Strategy Coaching
These materials are for informational and educational purposes only and do not constitute financial, legal, or professional advice.
✔ All purchases must be completed with valid payment information
✔ Prices are subject to change at any time. Promotions and discounts cannot be applied retroactively.
✔ We do not store or process payment information; payments are handled by secure third-party payment processors.
🚨 All Sales Are Final. Due to the nature of digital products, purchases are non-refundable and non-exchangeable.
Refunds will only be considered in the following cases:
✔ Technical issues preventing access to the purchased product (must be reported within 7 days of purchase).
✔ Incorrect product delivery or product defects , as required by applicable consumer protection laws.
✔ Duplicate purchases , with proof of duplicate charge.
🚫 No other refunds will be issued under any circumstances.
Unauthorized chargebacks for valid purchases may result in:
✔ Account suspension and refusal of future service.
✔ A formal dispute with our payment processor.
✔ Potential legal action for fraudulent claims.
Before disputing a charge, customers must contact [email protected] to resolve any issues.
✔ All content, including text, images, logos, and digital products, is protected under copyright and intellectual property laws.
✔ Unauthorized reproduction, resale, or distribution without written permission is strictly prohibited.
For Master Resell Rights (MRR) or Private Label Rights (PLR) products, specific resale and modification terms will be outlined upon purchase.
Unauthorized use exceeding granted rights may result in account termination or legal action.
By using our services, you agree to:
✔ Engage respectfully and professionally.
✔ Not engage in spamming, hacking, or unauthorized access.
✔ Not distribute or copy personal data without consent.
✔ Not share false, misleading, or fraudulent information.
🚨Violations may result in account suspension, termination, or legal action.
By purchasing or participating in coaching, Q&A sessions, or credit rebuilding strategy sessions, you acknowledge and agree that:
✔ Results vary based on individual financial situations.
✔ We do not guarantee specific credit score improvements, loan approvals, or financial outcomes.
✔ Coaching and education services are for informational purposes only and should not be considered financial, legal, or credit repair advice.
We are not a credit repair organization and do not:
🚫Dispute items with credit bureaus on your behalf.
🚫 Negotiate with creditors.
🚫 Remove accurate negative credit information from credit reports.
We operate in compliance with the Credit Repair Organizations Act (CROA). If you require credit repair services , seek assistance from a licensed professional or onprofit credit counseling agency.
We respect your privacy. Personal information is collected only for:
✔ Product fulfillment
✔ Legal compliance
✔ Email marketing (only if you opt-in)
🚫We do not sell or rent personal data.
For full details, review our [Privacy Policy] (Insert Link).
By providing your email, you consent to receive communications from us, including:
✔ Promotional emails
✔ Educational updates
✔ Product announcementsYour Rights:
✔ Opt-Out: Unsubscribe at any time via the “unsubscribe” link or by emailing [email protected].
✔ No Spam Policy: We do not send unsolicited emails or share data with third parties.
✔ Legal Compliance: We adhere to the CAN-SPAM Act (U.S.), GDPR (Europe), and CCPA (California).
✔ Data Deletion Requests: Under GDPR and CCPA, you may request data deletion by contacting us.
Some links on our platform may be affiliate links, meaning we may earn a commission at no extra cost to you.
✔ We only recommend products we genuinely believe in
✔ Sponsored content is clearly labeled. For full details, review our [Affiliate Disclosure] (Insert Link).
🚨 In no event shall Scars to Stars Pathway to Success / RealTalk Credit, its affiliates, employees, or representatives be liable for any direct, indirect, incidental, or consequential damages arising from the use of our products or services.
🚨 We are not responsible for lost revenue, business interruptions, or data loss resulting from the use of our website or digital products.
These Terms are governed by the laws of the State of New York
.
✔ Step 1 – Contact Us First: Email [email protected] to attempt resolution.
✔Step 2 – Binding Arbitration: If unresolved, disputes will be resolved via binding arbitration rather than court.
🚫No Class Actions: You waive the right to file or join a class-action lawsuit.
📌 Arbitration Details:
✔ Arbitration will take place in New York, NY under the rules of the American Arbitration Association (AAA).
✔ Each party will bear its own arbitration costs unless otherwise determined by the arbitrator.
✔ The arbitrator’s decision will be binding and enforceable in a court of law.
Cookies & Tracking: We may use cookies and tracking technologies (e.g., Google Analytics, Facebook Pixel) to personalize content, measure usage, and enhance your experience. See our Privacy Policy and Legal Disclaimers for details.
We may update these Terms at any time.
Continued use of our services means acceptance of the updated Terms.
📧 For questions or concerns, contact: [email protected]
We may use retargeting tools, such as Facebook Pixel, Google Ads Remarketing, and others, to deliver personalized advertisements based on your activity on our site.
📌 [Privacy Policy] (Insert Link)
📌 (Legal Disclaimer) (Insert Link)