Last Updated: September 9, 2025

These Terms & Conditions (“Terms”) govern your use of Absolute Protection’s website and services. By using our services, you agree to these Terms.

Scope of Services

• We provide credit education, monitoring, consulting, and funding guidance.
• We do not guarantee specific results, credit score increases, or removal of particular items from your credit history.
• Outcomes vary by individual circumstances.

Payments & Fees

• Certain services require fees, which will be clearly communicated before work begins.
• Collection negotiation services may involve a success-based fee (15% of verified savings or deleted collections).
• You remain in full control of your payments to creditors; Absolute Protection never accepts or handles creditor payments on your behalf.

Cancellations & Refunds

• You may cancel ongoing services at any time.
• Refunds are provided only in accordance with our stated service agreements.

Limitation of Liability

• Our services are educational and consulting in nature.
• We are not responsible for credit bureau policies, creditor decisions, or lender approvals.
• To the fullest extent permitted by law, we disclaim all liability for indirect, incidental, or consequential damages.

Governing Law

• These Terms are governed by the laws of the State of Washington.

Changes to Terms

• We may update these Terms from time to time. Continued use of our services means you accept the updated Terms.