Last updated: December 5, 2025

Welcome to Credzu’s Legal Center. This page provides an overview of the terms, policies, and disclosures that govern your use of the Credzu platform.
By creating an account, accessing our site, or using Credzu in any way, you agree to all of the documents listed below.

For additional information or questions, please contact info@credzu.com.

Our Terms & Policies

Below is a list of all binding legal documents that apply when you use Credzu. Each page provides a short summary of what it covers.

Terms of Use

Rules for using our website and platform, including acceptable use, prohibited behavior, intellectual property, and account restrictions.

User Agreement

The primary contract between you and Credzu. This agreement applies to Consumers, Service Providers, and Partners, and includes responsibilities, payment rules, the $5-per-point-per-bureau pricing model, non-circumvention rules, dispute processes, limitations of liability, and arbitration terms.

Escrow Instructions

Explains how escrow deposits work, how funds are held, how the $5-per-point-per-bureau earnings are calculated, when funds are released, and how disputes over score changes are handled.

Fees & ACH Authorization Agreement

Describes the pricing model, the $999 total cap, how ACH payments are authorized, how deposits and withdrawals occur, and what happens in cases of payment failures or chargebacks.

Credit Repair Disclaimer

Clarifies that Credzu is not a credit repair company and does not perform credit repair services. Outlines the distinction between Credzu’s role and that of independent Service Providers.

Privacy Policy

Explains what information Credzu collects, how we use it, who can see it, and how we protect user data. Includes details about AWS, Google Cloud, Kinsta, credit reports, API referrals, and shared chat permissions.

Security, Data Retention & Document Destruction Policy

Describes how Credzu secures data, how long different types of data are retained, and the standards used for secure destruction (including NIST-compliant digital sanitization).

Referral Partner Data Addendum

Covers the special handling, retention, and destruction rules for NPI (name, email, phone) sent to Credzu by Partners through referral APIs. Includes the 90-day deletion rule for non-converted leads.

Cookies Policy

Explains how cookies and similar technologies are used for site functionality, analytics, and session security.

Acceptance of Terms

By using Credzu, you acknowledge that you have read, understand, and agree to all of the documents linked above.
If you do not agree, please discontinue use of the platform.

Contact

Credzu, LLC
1980 N. Atlantic Avenue, Second Floor
Cocoa Beach, FL 32931
Email: info@credzu.com